Charter Oak, IA
Charter Oak wildfire risk explained
Charter Oak's 377 buildings earn a 35th-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Charter Oak at the 32nd percentile, close to its 35th-percentile risk score.
Charter Oak's building exposure, zone by zone
Only 15.1% of Charter Oak's 377 buildings carry Direct exposure and 0% carry Indirect; the remaining 84.9% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
How Charter Oak compares
Charter Oak's risk sits at a similar level relative to Iowa (50th percentile statewide) as it does nationally (35th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Charter Oak ranks 20,479 for wildfire risk (1 is highest) and 19,716 by building count (1 is largest). Within Iowa alone, it ranks 509 of 1,017 places by risk. See the full county-by-county picture for Iowa on its state page.
Shopping for coverage in Charter Oak
Charter Oak's moderate rating (35th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
With 84.9% of buildings rated Minimal exposure, Charter Oak 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
Every one of the two percentiles behind Charter Oak's 20,479-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Charter Oak, see the exposure-zones guide.