Lamoni, IA
Lamoni wildfire risk explained
USFS scores Lamoni at the 68th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 1,005 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Lamoni's burn probability — fire likelihood with no building count factored in — sits at the 70th percentile nationally.
What "at risk" means for the buildings here
Most of Lamoni's buildings (58.8% of 1,005) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Where Lamoni ranks
Lamoni's 92nd-percentile standing inside Iowa outpaces its 68th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Lamoni ranks 10,016 for wildfire risk (1 is highest) and 11,895 by building count (1 is largest). Within Iowa alone, it ranks 81 of 1,017 places by risk. See the full county-by-county picture for Iowa on its state page.
Shopping for coverage in Lamoni
At the 68th percentile nationally, Lamoni carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Hardening a home in Lamoni
With 58.8% of buildings rated Minimal exposure, Lamoni gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Lamoni's figures come from
The methodology guide shows exactly how USFS turned 1,005 counted buildings into the percentiles shown above for Lamoni. The exposure-zones guide covers what Lamoni's dominant minimal exposure actually means, with real examples from across the dataset.