Jolley, IA
Jolley wildfire risk explained
USFS's Wildfire Risk to Communities model puts Jolley at the 2nd national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 61 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Jolley at the 2nd percentile, close to its 2nd-percentile risk score.
Where Jolley's buildings actually sit
Jolley rates 82% Minimal exposure against just 18% Direct and 0% Indirect — of 61 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Jolley ranks
Jolley's risk sits at a similar level relative to Iowa (3rd percentile statewide) as it does nationally (2nd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Jolley ranks 30,799 for wildfire risk (1 is highest) and 30,616 by building count (1 is largest). Within Iowa alone, it ranks 984 of 1,017 places by risk. See the full county-by-county picture for Iowa on its state page.
Jolley and the insurance market
Jolley's low wildfire rating (2nd 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
Jolley's 82% 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 Jolley's figures come from
Jolley's 2nd-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 Jolley's dominant minimal exposure actually means, with real examples from across the dataset.