Gray, IA
Gray, IA's wildfire risk, in USFS's own numbers
Gray's 85 buildings earn a 7th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Gray at the 6th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Gray's buildings actually sit
Gray rates 88.2% Minimal exposure against just 11.8% Direct and 0% Indirect — of 85 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Gray against the rest of the country
Gray's risk sits at a similar level relative to Iowa (15th percentile statewide) as it does nationally (7th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Gray ranks 29,403 for wildfire risk (1 is highest) and 29,685 by building count (1 is largest). Within Iowa alone, it ranks 868 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 7th national percentile, Gray rates low 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
With 88.2% of buildings rated Minimal exposure, Gray gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Gray's figures come from
The methodology guide shows exactly how USFS turned 85 counted buildings into the percentiles shown above for Gray. The exposure-zones guide covers what Gray's dominant minimal exposure actually means, with real examples from across the dataset.