Kelley, IA
How exposed is Kelley to wildfire?
USFS's Wildfire Risk to Communities model puts Kelley at the 4th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 214 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 Kelley at the 4th percentile, close to its 4th-percentile risk score.
Where Kelley's buildings actually sit
USFS classifies 77.6% of Kelley's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 22.4% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Where Kelley ranks
There's little gap between Kelley's 4th national percentile and its 9th percentile inside Iowa, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Kelley ranks 30,161 for wildfire risk (1 is highest) and 24,333 by building count (1 is largest). Within Iowa alone, it ranks 922 of 1,017 places by risk. See the full county-by-county picture for Iowa on its state page.
Kelley and the insurance market
At the 4th national percentile, Kelley rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Kelley
Kelley's 77.6% 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 Kelley's figures come from
The methodology guide shows exactly how USFS turned 214 counted buildings into the percentiles shown above for Kelley. The exposure-zones guide covers what Kelley's dominant minimal exposure actually means, with real examples from across the dataset.