Dolliver, IA
How exposed is Dolliver to wildfire?
USFS's Wildfire Risk to Communities model puts Dolliver at the 12th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 80 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Dolliver at the 9th national percentile — 3 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Most of Dolliver's buildings (76.3% of 80) 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.
Dolliver against the rest of the country
Dolliver scores 12th nationally and 21st within Iowa — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Dolliver ranks 27,826 for wildfire risk (1 is highest) and 29,876 by building count (1 is largest). Within Iowa alone, it ranks 800 of 1,017 places by risk. See the full county-by-county picture for Iowa on its state page.
Dolliver and the insurance market
Dolliver's low wildfire rating (12th 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.
Lowering exposure, not just insuring around it
Even with 76.3% of Dolliver 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 Dolliver's figures come from
Dolliver's 12th-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 Dolliver's dominant minimal exposure actually means, with real examples from across the dataset.