Keystone, IA
Keystone, IA's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Keystone lands at the 8th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 416 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Keystone's burn probability — fire likelihood with no building count factored in — sits at the 7th percentile nationally.
What "at risk" means for the buildings here
USFS classifies 97.1% of Keystone's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 2.9% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Keystone against the rest of the country
There's little gap between Keystone's 8th national percentile and its 16th percentile inside Iowa, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Keystone ranks 29,085 for wildfire risk (1 is highest) and 18,907 by building count (1 is largest). Within Iowa alone, it ranks 856 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
At the 8th national percentile, Keystone rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Even with 97.1% of Keystone 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.
More on how this number was built
Keystone's 8th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Keystone, see the exposure-zones guide.