Graf, IA
Graf wildfire risk explained
Graf sits at the 25th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 54 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Graf at the 26th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Graf's building exposure, zone by zone
USFS classifies 81.5% of Graf's buildings as Direct exposure, higher than its 18.5% Indirect share and far above its 0% Minimal share — a profile where 44 structures sit close enough to vegetation that lot clearing matters most.
How Graf compares
Graf's risk sits at a similar level relative to Iowa (39th percentile statewide) as it does nationally (25th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Graf ranks 23,600 for wildfire risk (1 is highest) and 30,810 by building count (1 is largest). Within Iowa alone, it ranks 624 of 1,017 places by risk. See the full county-by-county picture for Iowa on its state page.
Shopping for coverage in Graf
At the 25th national percentile, Graf rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
Because Direct exposure dominates in Graf (81.5%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Graf's figures come from
Graf's 25th-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 Graf's dominant direct exposure actually means, with real examples from across the dataset.