Hubbard, IA
Hubbard, IA's wildfire risk, in USFS's own numbers
USFS scores Hubbard at the 20th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 543 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Hubbard's burn probability — fire likelihood with no building count factored in — sits at the 19th percentile nationally.
Where Hubbard's buildings actually sit
Only 18.2% of Hubbard's 543 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.
Hubbard against the rest of the country
There's little gap between Hubbard's 20th national percentile and its 32nd percentile inside Iowa, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Hubbard ranks 25,273 for wildfire risk (1 is highest) and 16,666 by building count (1 is largest). Within Iowa alone, it ranks 688 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
Hubbard's low rating (20th 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
Hubbard'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.
Where Hubbard's figures come from
Hubbard's 20th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Hubbard's dominant minimal exposure actually means, with real examples from across the dataset.