Westervelt, IL
How exposed is Westervelt to wildfire?
Westervelt sits at the 4th percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 123 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Westervelt at the 4th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Westervelt's building exposure, zone by zone
Westervelt rates 84.6% Minimal exposure against just 15.5% Direct and 0% Indirect — of 123 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Westervelt ranks
Within Illinois, Westervelt ranks higher (25th percentile) than it does nationally (4th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Westervelt ranks 30,126 for wildfire risk (1 is highest) and 28,018 by building count (1 is largest). Within Illinois alone, it ranks 1,081 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Westervelt and the insurance market
Westervelt's low wildfire rating (4th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
Even with 84.6% of Westervelt outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 123 counted buildings into the percentiles shown above for Westervelt. For more on what minimal exposure implies beyond Westervelt, see the exposure-zones guide.