Hartwick, IA
Hartwick, IA's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Hartwick lands at the 42nd percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 90 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Hartwick at the 42nd national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Hartwick's buildings actually sit
Most of Hartwick's buildings (93.3% of 90) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Where Hartwick ranks
Hartwick's 58th-percentile standing inside Iowa outpaces its 42nd national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Hartwick ranks 18,303 for wildfire risk (1 is highest) and 29,489 by building count (1 is largest). Within Iowa alone, it ranks 431 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
Hartwick's elevated rating (42nd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Even with 93.3% of Hartwick 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.
Where Hartwick's figures come from
Every one of the two percentiles behind Hartwick's 18,303-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Hartwick's dominant minimal exposure actually means, with real examples from across the dataset.