Center Point, IA
Center Point wildfire risk explained
USFS's Wildfire Risk to Communities model puts Center Point at the 37th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 1,330 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Center Point's burn probability — fire likelihood with no building count factored in — sits at the 37th percentile nationally.
Where Center Point's buildings actually sit
Most of Center Point's buildings (81.4% of 1,330) 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.
Center Point against the rest of the country
Compare Center Point's two percentiles: 52nd within Iowa, only 37th nationally — a gap of 15 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Center Point ranks 19,942 for wildfire risk (1 is highest) and 9,927 by building count (1 is largest). Within Iowa alone, it ranks 490 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
Center Point's moderate wildfire rating (37th 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
Center Point's 81.4% 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 1,330 counted buildings into the percentiles shown above for Center Point. For more on what minimal exposure implies beyond Center Point, see the exposure-zones guide.