Havelock, IA
Havelock wildfire risk explained
USFS's Wildfire Risk to Communities model puts Havelock at the 2nd national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 155 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Havelock's burn probability — fire likelihood with no building count factored in — sits at the 2nd percentile nationally.
Where Havelock's buildings actually sit
84.5% of Havelock's 155 buildings sit in USFS's Minimal exposure zone, with only 15.5% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
How Havelock compares
Havelock 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, Havelock ranks 30,859 for wildfire risk (1 is highest) and 26,651 by building count (1 is largest). Within Iowa alone, it ranks 986 of 1,017 places by risk. See the full county-by-county picture for Iowa on its state page.
Havelock and the insurance market
Havelock's low wildfire rating (2nd 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.
What would actually reduce this score
Havelock's 84.5% 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.
More on how this number was built
Havelock's 2nd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Havelock, see the exposure-zones guide.