Gruver, IA
How exposed is Gruver to wildfire?
USFS scores Gruver at the 2nd national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 89 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Gruver at the 2nd percentile, close to its 2nd-percentile risk score.
Gruver's building exposure, zone by zone
77.5% of Gruver's 89 buildings sit in USFS's Minimal exposure zone, with only 22.5% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Gruver against the rest of the country
Gruver's risk sits at a similar level relative to Iowa (2nd percentile statewide) as it does nationally (2nd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Gruver ranks 30,950 for wildfire risk (1 is highest) and 29,531 by building count (1 is largest). Within Iowa alone, it ranks 993 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
Gruver'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 Gruver
With 77.5% of buildings rated Minimal exposure, Gruver 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
The methodology guide shows exactly how USFS turned 89 counted buildings into the percentiles shown above for Gruver. For more on what minimal exposure implies beyond Gruver, see the exposure-zones guide.