Holstein, IA
Holstein wildfire risk explained
USFS scores Holstein at the 6th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 958 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Holstein at the 6th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Holstein's building exposure, zone by zone
Holstein rates 84.5% Minimal exposure against just 15.6% Direct and 0% Indirect — of 958 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Holstein compares
Holstein scores 6th nationally and 13th 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, Holstein ranks 29,629 for wildfire risk (1 is highest) and 12,243 by building count (1 is largest). Within Iowa alone, it ranks 881 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
At the 6th national percentile, Holstein rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
Holstein'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.
Where Holstein's figures come from
The methodology guide shows exactly how USFS turned 958 counted buildings into the percentiles shown above for Holstein. The exposure-zones guide covers what Holstein's dominant minimal exposure actually means, with real examples from across the dataset.