Malvern, IA
Malvern, IA's wildfire risk, in USFS's own numbers
USFS scores Malvern at the 34th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 704 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Malvern at the 33rd national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Only 11.1% of Malvern's 704 buildings carry Direct exposure and 0% carry Indirect; the remaining 88.9% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Malvern against the rest of the country
There's little gap between Malvern's 34th national percentile and its 49th percentile inside Iowa, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Malvern ranks 20,669 for wildfire risk (1 is highest) and 14,609 by building count (1 is largest). Within Iowa alone, it ranks 520 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
Malvern's moderate wildfire rating (34th 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.
What would actually reduce this score
With 88.9% of buildings rated Minimal exposure, Malvern gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Malvern's figures come from
Every one of the two percentiles behind Malvern's 20,669-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Malvern's dominant minimal exposure actually means, with real examples from across the dataset.