Clearfield, IA
Clearfield, IA's wildfire risk, in USFS's own numbers
Clearfield's 339 buildings earn a 46th-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Clearfield at the 46th percentile, close to its 46th-percentile risk score.
Where Clearfield's buildings actually sit
Most of Clearfield's buildings (63.1% of 339) 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.
Clearfield against the rest of the country
Compare Clearfield's two percentiles: 62nd within Iowa, only 46th nationally — a gap of 17 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Clearfield ranks 17,078 for wildfire risk (1 is highest) and 20,591 by building count (1 is largest). Within Iowa alone, it ranks 383 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
At the 46th national percentile, Clearfield rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Even with 63.1% of Clearfield 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.
Where Clearfield's figures come from
Every one of the two percentiles behind Clearfield's 17,078-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Clearfield's dominant minimal exposure actually means, with real examples from across the dataset.