Henderson, IA
How exposed is Henderson to wildfire?
Henderson sits at the 24th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 167 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Henderson at the 22nd national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
USFS classifies 85% of Henderson's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 15% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Henderson against the rest of the country
There's little gap between Henderson's 24th national percentile and its 38th percentile inside Iowa, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Henderson ranks 23,825 for wildfire risk (1 is highest) and 26,131 by building count (1 is largest). Within Iowa alone, it ranks 635 of 1,017 places by risk. See the full county-by-county picture for Iowa on its state page.
Henderson and the insurance market
Henderson's moderate rating (24th 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
With 85% of buildings rated Minimal exposure, Henderson gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Henderson's figures come from
Every one of the two percentiles behind Henderson's 23,825-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Henderson's dominant minimal exposure actually means, with real examples from across the dataset.