Earlville, IA
How exposed is Earlville to wildfire?
USFS scores Earlville at the 8th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 507 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Earlville at the 8th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Earlville's buildings actually sit
Most of Earlville's buildings (82.5% of 507) 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.
How Earlville compares
Earlville scores 8th nationally and 17th 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, Earlville ranks 28,901 for wildfire risk (1 is highest) and 17,224 by building count (1 is largest). Within Iowa alone, it ranks 846 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 8th national percentile, Earlville rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Earlville
Earlville's 82.5% 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.
More on how this number was built
Earlville's 8th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Earlville, see the exposure-zones guide.