Arthur, IA
Arthur wildfire risk explained
Arthur sits at the 14th 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 165 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Arthur's burn probability — fire likelihood with no building count factored in — sits at the 12th percentile nationally.
What "at risk" means for the buildings here
USFS classifies 89.7% of Arthur's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 10.3% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Arthur against the rest of the country
Arthur's risk sits at a similar level relative to Iowa (24th percentile statewide) as it does nationally (14th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Arthur ranks 27,160 for wildfire risk (1 is highest) and 26,213 by building count (1 is largest). Within Iowa alone, it ranks 776 of 1,017 places by risk. See the full county-by-county picture for Iowa on its state page.
Arthur and the insurance market
At the 14th national percentile, Arthur rates low 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 89.7% of Arthur 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
Every one of the two percentiles behind Arthur's 27,160-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Arthur, see the exposure-zones guide.