Luther, IA
Luther, IA's wildfire risk, in USFS's own numbers
Luther sits at the 8th 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 142 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Luther at the 7th percentile, close to its 8th-percentile risk score.
What "at risk" means for the buildings here
USFS classifies 76.8% of Luther's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 23.2% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Where Luther ranks
Luther scores 8th nationally and 16th 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, Luther ranks 29,149 for wildfire risk (1 is highest) and 27,206 by building count (1 is largest). Within Iowa alone, it ranks 858 of 1,017 places by risk. See the full county-by-county picture for Iowa on its state page.
Luther and the insurance market
Luther's low wildfire rating (8th 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 Luther
With 76.8% of buildings rated Minimal exposure, Luther gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Luther's figures come from
The methodology guide shows exactly how USFS turned 142 counted buildings into the percentiles shown above for Luther. The exposure-zones guide covers what Luther's dominant minimal exposure actually means, with real examples from across the dataset.