Fostoria, IA
Fostoria, IA's wildfire risk, in USFS's own numbers
Fostoria's 195 buildings earn a 14th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Fostoria at the 11th national percentile — 3 points below its risk-to-structures score, a gap driven by how much is actually built there.
Fostoria's building exposure, zone by zone
Fostoria rates 58.5% Minimal exposure against just 41.5% Direct and 0% Indirect — of 195 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Fostoria against the rest of the country
Fostoria scores 14th nationally and 24th 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, Fostoria ranks 26,973 for wildfire risk (1 is highest) and 25,024 by building count (1 is largest). Within Iowa alone, it ranks 770 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
Fostoria's low wildfire rating (14th 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.
What would actually reduce this score
Even with 58.5% of Fostoria 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 Fostoria's figures come from
The methodology guide shows exactly how USFS turned 195 counted buildings into the percentiles shown above for Fostoria. The exposure-zones guide covers what Fostoria's dominant minimal exposure actually means, with real examples from across the dataset.