Klemme, IA
Klemme wildfire risk explained
Klemme's 384 buildings earn a 6th-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 Klemme at the 5th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Klemme's building exposure, zone by zone
USFS classifies 89.8% of Klemme's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 10.2% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
How Klemme compares
Klemme's risk sits at a similar level relative to Iowa (12th percentile statewide) as it does nationally (6th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Klemme ranks 29,780 for wildfire risk (1 is highest) and 19,543 by building count (1 is largest). Within Iowa alone, it ranks 893 of 1,017 places by risk. See the full county-by-county picture for Iowa on its state page.
Klemme and the insurance market
Klemme's low rating (6th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
With 89.8% of buildings rated Minimal exposure, Klemme gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Klemme's figures come from
The methodology guide shows exactly how USFS turned 384 counted buildings into the percentiles shown above for Klemme. The exposure-zones guide covers what Klemme's dominant minimal exposure actually means, with real examples from across the dataset.