Clio, IA
Clio wildfire risk explained
USFS scores Clio at the 64th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 113 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 Clio at the 65th percentile, close to its 64th-percentile risk score.
What "at risk" means for the buildings here
USFS classifies 73.5% of Clio's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 26.6% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Where Clio ranks
Compare Clio's two percentiles: 88th within Iowa, only 64th nationally — a gap of 24 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Clio ranks 11,402 for wildfire risk (1 is highest) and 28,499 by building count (1 is largest). Within Iowa alone, it ranks 123 of 1,017 places by risk. See the full county-by-county picture for Iowa on its state page.
Clio and the insurance market
At the 64th percentile nationally, Clio carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
What would actually reduce this score
With 73.5% of buildings rated Minimal exposure, Clio gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Clio's figures come from
The methodology guide shows exactly how USFS turned 113 counted buildings into the percentiles shown above for Clio. The exposure-zones guide covers what Clio's dominant minimal exposure actually means, with real examples from across the dataset.