Hull, IA
Hull wildfire risk explained
Hull's 1,173 buildings earn a 16th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Hull at the 16th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Hull's buildings actually sit
Hull rates 80.1% Minimal exposure against just 19.9% Direct and 0% Indirect — of 1,173 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Hull against the rest of the country
Hull's risk sits at a similar level relative to Iowa (26th percentile statewide) as it does nationally (16th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Hull ranks 26,561 for wildfire risk (1 is highest) and 10,806 by building count (1 is largest). Within Iowa alone, it ranks 756 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
Hull's low rating (16th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Even with 80.1% of Hull outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Hull's figures come from
Hull's 16th-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 Hull's dominant minimal exposure actually means, with real examples from across the dataset.