Clutier, IA
Clutier wildfire risk explained
Clutier's 234 buildings earn a 58th-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 Clutier at the 59th percentile, close to its 58th-percentile risk score.
Clutier's building exposure, zone by zone
Most of Clutier's buildings (91.9% of 234) 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.
Clutier against the rest of the country
Within Iowa, Clutier ranks higher (80th percentile) than it does nationally (58th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Clutier ranks 13,297 for wildfire risk (1 is highest) and 23,661 by building count (1 is largest). Within Iowa alone, it ranks 203 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
Clutier's elevated wildfire rating (58th 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.
Hardening a home in Clutier
Clutier's 91.9% 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.
Where Clutier's figures come from
Clutier's 58th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Clutier's dominant minimal exposure actually means, with real examples from across the dataset.