Hornick, IA
Hornick wildfire risk explained
Hornick's 220 buildings earn a 42nd-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Hornick's burn probability — fire likelihood with no building count factored in — sits at the 38th percentile nationally.
Hornick's building exposure, zone by zone
Only 18.2% of Hornick's 220 buildings carry Direct exposure and 0% carry Indirect; the remaining 81.8% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Where Hornick ranks
Within Iowa, Hornick ranks higher (57th percentile) than it does nationally (42nd) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Hornick ranks 18,428 for wildfire risk (1 is highest) and 24,119 by building count (1 is largest). Within Iowa alone, it ranks 436 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
Hornick's elevated wildfire rating (42nd 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.
Lowering exposure, not just insuring around it
Hornick's 81.8% 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
The methodology guide shows exactly how USFS turned 220 counted buildings into the percentiles shown above for Hornick. For more on what minimal exposure implies beyond Hornick, see the exposure-zones guide.