Maloy, IA
Maloy, IA's wildfire risk, in USFS's own numbers
Maloy's 38 buildings earn a 63rd-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.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Maloy at the 64th percentile, close to its 63rd-percentile risk score.
Maloy's building exposure, zone by zone
USFS classifies 52.6% of Maloy's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 47.4% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Where Maloy ranks
Maloy's 87th-percentile standing inside Iowa outpaces its 63rd 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, Maloy ranks 11,531 for wildfire risk (1 is highest) and 31,204 by building count (1 is largest). Within Iowa alone, it ranks 135 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
Maloy's high rating (63rd 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.
Lowering exposure, not just insuring around it
With 52.6% of buildings rated Minimal exposure, Maloy gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
The methodology guide shows exactly how USFS turned 38 counted buildings into the percentiles shown above for Maloy. For more on what minimal exposure implies beyond Maloy, see the exposure-zones guide.