Garber, IA
Garber wildfire risk explained
Garber's 78 buildings earn a 32nd-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 Garber at the 34th percentile, close to its 32nd-percentile risk score.
Where Garber's buildings actually sit
69.2% of Garber's 78 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 30.8% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Where Garber ranks
Garber scores 32nd nationally and 47th 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, Garber ranks 21,327 for wildfire risk (1 is highest) and 29,962 by building count (1 is largest). Within Iowa alone, it ranks 538 of 1,017 places by risk. See the full county-by-county picture for Iowa on its state page.
Shopping for coverage in Garber
Garber's moderate wildfire rating (32nd 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.
Lowering exposure, not just insuring around it
Garber's 69.2% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 78 counted buildings into the percentiles shown above for Garber. For more on what indirect exposure implies beyond Garber, see the exposure-zones guide.