Andover, IA
Andover, IA's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Andover lands at the 21st percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 68 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Andover at the 21st national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Andover's building exposure, zone by zone
Most of Andover's buildings (98.5% of 68) 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.
How Andover compares
Andover scores 21st nationally and 35th 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, Andover ranks 24,800 for wildfire risk (1 is highest) and 30,347 by building count (1 is largest). Within Iowa alone, it ranks 665 of 1,017 places by risk. See the full county-by-county picture for Iowa on its state page.
What this risk score means for insurance
At the 21st national percentile, Andover rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Even with 98.5% of Andover 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
Andover's 21st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Andover, see the exposure-zones guide.