Fruitland, IA
Fruitland wildfire risk explained
Fruitland sits at the 43rd percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 514 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Fruitland's burn probability — fire likelihood with no building count factored in — sits at the 41st percentile nationally.
What "at risk" means for the buildings here
Most of Fruitland's buildings (83.1% of 514) 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 Fruitland ranks
Within Iowa, Fruitland ranks higher (59th percentile) than it does nationally (43rd) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Fruitland ranks 18,054 for wildfire risk (1 is highest) and 17,118 by building count (1 is largest). Within Iowa alone, it ranks 419 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 43rd national percentile, Fruitland rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
With 83.1% of buildings rated Minimal exposure, Fruitland gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Fruitland's figures come from
Fruitland's 43rd-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 Fruitland's dominant minimal exposure actually means, with real examples from across the dataset.