Calmar, IA
How exposed is Calmar to wildfire?
USFS's Wildfire Risk to Communities model puts Calmar at the 21st national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 598 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Calmar at the 22nd national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Most of Calmar's buildings (97.3% of 598) 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.
Calmar against the rest of the country
There's little gap between Calmar's 21st national percentile and its 34th percentile inside Iowa, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Calmar ranks 24,829 for wildfire risk (1 is highest) and 15,860 by building count (1 is largest). Within Iowa alone, it ranks 668 of 1,017 places by risk. See the full county-by-county picture for Iowa on its state page.
Shopping for coverage in Calmar
Calmar's moderate rating (21st percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Calmar
Even with 97.3% of Calmar 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 598 counted buildings into the percentiles shown above for Calmar. For more on what minimal exposure implies beyond Calmar, see the exposure-zones guide.