Larchwood, IA
Larchwood wildfire risk explained
USFS's Wildfire Risk to Communities model puts Larchwood at the 23rd national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 521 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 Larchwood at the 22nd percentile, close to its 23rd-percentile risk score.
Where Larchwood's buildings actually sit
65.5% of Larchwood's 521 buildings sit in USFS's Minimal exposure zone, with only 34.6% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
How Larchwood compares
Larchwood scores 23rd nationally and 37th within Iowa — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Larchwood ranks 24,172 for wildfire risk (1 is highest) and 17,006 by building count (1 is largest). Within Iowa alone, it ranks 645 of 1,017 places by risk. See the full county-by-county picture for Iowa on its state page.
Larchwood and the insurance market
Larchwood's moderate wildfire rating (23rd percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Hardening a home in Larchwood
With 65.5% of buildings rated Minimal exposure, Larchwood gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Larchwood's 23rd-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 Larchwood, see the exposure-zones guide.