Humeston, IA
How exposed is Humeston to wildfire?
Humeston's 483 buildings earn a 40th-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, Humeston's burn probability — fire likelihood with no building count factored in — sits at the 41st percentile nationally.
Humeston's building exposure, zone by zone
Humeston rates 64.8% Minimal exposure against just 35.2% Direct and 0% Indirect — of 483 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Humeston against the rest of the country
Humeston's 56th-percentile standing inside Iowa outpaces its 40th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Humeston ranks 18,808 for wildfire risk (1 is highest) and 17,645 by building count (1 is largest). Within Iowa alone, it ranks 453 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
Humeston's elevated wildfire rating (40th 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.
What would actually reduce this score
Humeston's 64.8% 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 Humeston's figures come from
The methodology guide shows exactly how USFS turned 483 counted buildings into the percentiles shown above for Humeston. The exposure-zones guide covers what Humeston's dominant minimal exposure actually means, with real examples from across the dataset.