Floyd, IA
Floyd wildfire risk explained
Floyd's 249 buildings earn a 39th-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Floyd at the 39th percentile, close to its 39th-percentile risk score.
What "at risk" means for the buildings here
Most of Floyd's buildings (84.7% of 249) 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 Floyd ranks
Floyd's risk sits at a similar level relative to Iowa (54th percentile statewide) as it does nationally (39th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Floyd ranks 19,250 for wildfire risk (1 is highest) and 23,165 by building count (1 is largest). Within Iowa alone, it ranks 469 of 1,017 places by risk. See the full county-by-county picture for Iowa on its state page.
Floyd and the insurance market
Floyd's moderate rating (39th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Even with 84.7% of Floyd 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.
More on how this number was built
Every one of the two percentiles behind Floyd's 19,250-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Floyd, see the exposure-zones guide.