Loveland, IA
Loveland, IA's wildfire risk, in USFS's own numbers
Loveland's 28 buildings earn a 71st-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Loveland's burn probability — fire likelihood with no building count factored in — sits at the 70th percentile nationally.
Loveland's building exposure, zone by zone
USFS puts 53.6% of Loveland's 28 buildings in the Indirect exposure zone, versus 46.4% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
How Loveland compares
Loveland's 95th-percentile standing inside Iowa outpaces its 71st 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, Loveland ranks 9,048 for wildfire risk (1 is highest) and 31,379 by building count (1 is largest). Within Iowa alone, it ranks 54 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
Loveland's high rating (71st percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
What would actually reduce this score
Because 53.6% of Loveland's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Loveland's 9,048-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Loveland, see the exposure-zones guide.