Grafton, IA
Grafton, IA's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Grafton at the 2nd national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 231 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Grafton at the 2nd national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Grafton rates 87.9% Minimal exposure against just 12.1% Direct and 0% Indirect — of 231 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Grafton ranks
Grafton scores 2nd nationally and 3rd 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, Grafton ranks 30,920 for wildfire risk (1 is highest) and 23,763 by building count (1 is largest). Within Iowa alone, it ranks 991 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
Grafton's low rating (2nd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Grafton
Grafton's 87.9% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Grafton's figures come from
The methodology guide shows exactly how USFS turned 231 counted buildings into the percentiles shown above for Grafton. The exposure-zones guide covers what Grafton's dominant minimal exposure actually means, with real examples from across the dataset.