Haverhill, IA
Haverhill, IA's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Haverhill lands at the 41st percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 111 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Haverhill at the 42nd percentile, close to its 41st-percentile risk score.
Haverhill's building exposure, zone by zone
73% of Haverhill's 111 buildings sit in USFS's Minimal exposure zone, with only 27% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Where Haverhill ranks
Within Iowa, Haverhill ranks higher (57th percentile) than it does nationally (41st) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Haverhill ranks 18,460 for wildfire risk (1 is highest) and 28,582 by building count (1 is largest). Within Iowa alone, it ranks 437 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
Haverhill's elevated wildfire rating (41st 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.
Hardening a home in Haverhill
With 73% of buildings rated Minimal exposure, Haverhill 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 111 counted buildings into the percentiles shown above for Haverhill. For more on what minimal exposure implies beyond Haverhill, see the exposure-zones guide.