Farley, IA
Farley, IA's wildfire risk, in USFS's own numbers
Farley's 848 buildings earn a 5th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Farley's burn probability — fire likelihood with no building count factored in — sits at the 5th percentile nationally.
Where Farley's buildings actually sit
Farley rates 90.6% Minimal exposure against just 8.8% Direct and 0.6% Indirect — of 848 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Farley compares
There's little gap between Farley's 5th national percentile and its 10th percentile inside Iowa, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Farley ranks 30,043 for wildfire risk (1 is highest) and 13,178 by building count (1 is largest). Within Iowa alone, it ranks 912 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 5th national percentile, Farley rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
With 90.6% of buildings rated Minimal exposure, Farley gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Farley's figures come from
The methodology guide shows exactly how USFS turned 848 counted buildings into the percentiles shown above for Farley. The exposure-zones guide covers what Farley's dominant minimal exposure actually means, with real examples from across the dataset.