Carpenter, IA
How exposed is Carpenter to wildfire?
Carpenter's 114 buildings earn a 9th-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, Carpenter's burn probability — fire likelihood with no building count factored in — sits at the 9th percentile nationally.
Where Carpenter's buildings actually sit
Only 12.3% of Carpenter's 114 buildings carry Direct exposure and 0% carry Indirect; the remaining 87.7% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
How Carpenter compares
There's little gap between Carpenter's 9th national percentile and its 18th percentile inside Iowa, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Carpenter ranks 28,679 for wildfire risk (1 is highest) and 28,449 by building count (1 is largest). Within Iowa alone, it ranks 833 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
Carpenter's low wildfire rating (9th 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.
Lowering exposure, not just insuring around it
Carpenter's 87.7% 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
The methodology guide shows exactly how USFS turned 114 counted buildings into the percentiles shown above for Carpenter. For more on what minimal exposure implies beyond Carpenter, see the exposure-zones guide.