Ladora, IA
How exposed is Ladora to wildfire?
USFS's Wildfire Risk to Communities model puts Ladora at the 42nd national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 210 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Ladora's burn probability — fire likelihood with no building count factored in — sits at the 42nd percentile nationally.
Where Ladora's buildings actually sit
87.6% of Ladora's 210 buildings sit in USFS's Minimal exposure zone, with only 12.4% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Ladora against the rest of the country
Within Iowa, Ladora ranks higher (57th percentile) than it does nationally (42nd) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Ladora ranks 18,334 for wildfire risk (1 is highest) and 24,476 by building count (1 is largest). Within Iowa alone, it ranks 433 of 1,017 places by risk. See the full county-by-county picture for Iowa on its state page.
Shopping for coverage in Ladora
At the 42nd national percentile, Ladora rates elevated 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 87.6% of Ladora 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
Ladora's 42nd-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 Ladora, see the exposure-zones guide.