Lu Verne, IA
How exposed is Lu Verne to wildfire?
Lu Verne's 278 buildings earn a 3rd-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Lu Verne at the 3rd national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Lu Verne's building exposure, zone by zone
77% of Lu Verne's 278 buildings sit in USFS's Minimal exposure zone, with only 23% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Where Lu Verne ranks
Lu Verne's risk sits at a similar level relative to Iowa (6th percentile statewide) as it does nationally (3rd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Lu Verne ranks 30,452 for wildfire risk (1 is highest) and 22,258 by building count (1 is largest). Within Iowa alone, it ranks 954 of 1,017 places by risk. See the full county-by-county picture for Iowa on its state page.
Lu Verne and the insurance market
Lu Verne's low rating (3rd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Even with 77% of Lu Verne outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Lu Verne's figures come from
The methodology guide shows exactly how USFS turned 278 counted buildings into the percentiles shown above for Lu Verne. The exposure-zones guide covers what Lu Verne's dominant minimal exposure actually means, with real examples from across the dataset.