Cambridge, IA
Cambridge, IA's wildfire risk, in USFS's own numbers
USFS scores Cambridge at the 32nd national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 525 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Cambridge at the 32nd percentile, close to its 32nd-percentile risk score.
What "at risk" means for the buildings here
73% of Cambridge's 525 buildings sit in USFS's Minimal exposure zone, with only 27.1% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Cambridge against the rest of the country
There's little gap between Cambridge's 32nd national percentile and its 47th percentile inside Iowa, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Cambridge ranks 21,424 for wildfire risk (1 is highest) and 16,937 by building count (1 is largest). Within Iowa alone, it ranks 540 of 1,017 places by risk. See the full county-by-county picture for Iowa on its state page.
Shopping for coverage in Cambridge
Cambridge's moderate rating (32nd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Cambridge's 73% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
Cambridge's 32nd-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 Cambridge, see the exposure-zones guide.