Bradford, IA
Bradford, IA's wildfire risk, in USFS's own numbers
Bradford's 118 buildings earn a 19th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Bradford's burn probability — fire likelihood with no building count factored in — sits at the 18th percentile nationally.
What "at risk" means for the buildings here
84.8% of Bradford's 118 buildings sit in USFS's Minimal exposure zone, with only 15.3% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Bradford against the rest of the country
There's little gap between Bradford's 19th national percentile and its 30th percentile inside Iowa, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Bradford ranks 25,681 for wildfire risk (1 is highest) and 28,239 by building count (1 is largest). Within Iowa alone, it ranks 709 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
Bradford's low wildfire rating (19th 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.
What would actually reduce this score
With 84.8% of buildings rated Minimal exposure, Bradford gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
The methodology guide shows exactly how USFS turned 118 counted buildings into the percentiles shown above for Bradford. For more on what minimal exposure implies beyond Bradford, see the exposure-zones guide.