Diamondhead Lake, IA
How exposed is Diamondhead Lake to wildfire?
Diamondhead Lake's 326 buildings earn a 64th-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Diamondhead Lake at the 65th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
58.6% of Diamondhead Lake's 326 buildings sit in USFS's Direct exposure zone, roughly 191 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 41.4% are Minimal.
Diamondhead Lake against the rest of the country
Diamondhead Lake's 87th-percentile standing inside Iowa outpaces its 64th 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, Diamondhead Lake ranks 11,499 for wildfire risk (1 is highest) and 20,919 by building count (1 is largest). Within Iowa alone, it ranks 132 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 64th percentile nationally, Diamondhead Lake 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.
Lowering exposure, not just insuring around it
With 58.6% of Diamondhead Lake in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
Diamondhead Lake's 64th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Diamondhead Lake, see the exposure-zones guide.