Lovilia, IA
Lovilia, IA's wildfire risk, in USFS's own numbers
USFS scores Lovilia at the 69th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 396 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Lovilia at the 71st percentile, close to its 69th-percentile risk score.
Lovilia's building exposure, zone by zone
USFS puts 63.1% of Lovilia's 396 buildings in the Indirect exposure zone, versus 36.9% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
How Lovilia compares
Within Iowa, Lovilia ranks higher (93rd percentile) than it does nationally (69th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Lovilia ranks 9,861 for wildfire risk (1 is highest) and 19,299 by building count (1 is largest). Within Iowa alone, it ranks 74 of 1,017 places by risk. See the full county-by-county picture for Iowa on its state page.
Lovilia and the insurance market
At the 69th percentile nationally, Lovilia 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.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Lovilia (63.1% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Lovilia's figures come from
Every one of the two percentiles behind Lovilia's 9,861-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Lovilia's dominant indirect exposure actually means, with real examples from across the dataset.