Cumberland, IA
How exposed is Cumberland to wildfire?
USFS scores Cumberland at the 49th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 259 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Cumberland's burn probability — fire likelihood with no building count factored in — sits at the 50th percentile nationally.
What "at risk" means for the buildings here
Most of Cumberland's buildings (69.9% of 259) 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.
Where Cumberland ranks
Cumberland's 68th-percentile standing inside Iowa outpaces its 49th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Cumberland ranks 15,939 for wildfire risk (1 is highest) and 22,851 by building count (1 is largest). Within Iowa alone, it ranks 325 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
Cumberland's elevated rating (49th 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
Cumberland's 69.9% 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 Cumberland's figures come from
Cumberland's 49th-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 Cumberland's dominant minimal exposure actually means, with real examples from across the dataset.