Harcourt, IA
How exposed is Harcourt to wildfire?
Harcourt's 211 buildings earn a 4th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Harcourt's burn probability — fire likelihood with no building count factored in — sits at the 3rd percentile nationally.
Harcourt's building exposure, zone by zone
USFS classifies 79.2% of Harcourt's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 20.9% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
How Harcourt compares
Harcourt scores 4th nationally and 8th 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, Harcourt ranks 30,289 for wildfire risk (1 is highest) and 24,434 by building count (1 is largest). Within Iowa alone, it ranks 940 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
Harcourt's low wildfire rating (4th 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.
Lowering exposure, not just insuring around it
Even with 79.2% of Harcourt outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Harcourt's 30,289-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Harcourt, see the exposure-zones guide.