Ledyard, IA
How exposed is Ledyard to wildfire?
Ledyard sits at the 2nd percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 153 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Ledyard's burn probability — fire likelihood with no building count factored in — sits at the 2nd percentile nationally.
Where Ledyard's buildings actually sit
Most of Ledyard's buildings (84.3% of 153) 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.
Ledyard against the rest of the country
There's little gap between Ledyard's 2nd national percentile and its 3rd percentile inside Iowa, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Ledyard ranks 30,763 for wildfire risk (1 is highest) and 26,746 by building count (1 is largest). Within Iowa alone, it ranks 982 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
Ledyard's low rating (2nd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Ledyard's 84.3% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 153 counted buildings into the percentiles shown above for Ledyard. For more on what minimal exposure implies beyond Ledyard, see the exposure-zones guide.