Graettinger, IA
Graettinger wildfire risk explained
USFS scores Graettinger at the 48th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 560 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Graettinger's burn probability — fire likelihood with no building count factored in — sits at the 47th percentile nationally.
Where Graettinger's buildings actually sit
USFS classifies 78.2% of Graettinger's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 21.8% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Where Graettinger ranks
Graettinger's 66th-percentile standing inside Iowa outpaces its 48th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Graettinger ranks 16,504 for wildfire risk (1 is highest) and 16,406 by building count (1 is largest). Within Iowa alone, it ranks 350 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
Graettinger's elevated wildfire rating (48th 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
With 78.2% of buildings rated Minimal exposure, Graettinger gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Every one of the two percentiles behind Graettinger's 16,504-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Graettinger, see the exposure-zones guide.