Albert City, IA
Albert City wildfire risk explained
Albert City's 419 buildings earn a 2nd-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Albert City at the 1st percentile, close to its 2nd-percentile risk score.
Albert City's building exposure, zone by zone
Most of Albert City's buildings (91.4% of 419) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Albert City against the rest of the country
Albert City scores 2nd nationally and 2nd within Iowa — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Albert City ranks 31,048 for wildfire risk (1 is highest) and 18,834 by building count (1 is largest). Within Iowa alone, it ranks 1,001 of 1,017 places by risk. See the full county-by-county picture for Iowa on its state page.
Albert City and the insurance market
Albert City's low wildfire rating (2nd 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
With 91.4% of buildings rated Minimal exposure, Albert City gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Albert City's figures come from
Every one of the two percentiles behind Albert City's 31,048-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Albert City's dominant minimal exposure actually means, with real examples from across the dataset.