Marble Rock, IA
Marble Rock wildfire risk explained
USFS's Wildfire Risk to Communities model puts Marble Rock at the 23rd national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 270 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Marble Rock's burn probability — fire likelihood with no building count factored in — sits at the 22nd percentile nationally.
Where Marble Rock's buildings actually sit
USFS puts 78.9% of Marble Rock's 270 buildings in the Indirect exposure zone, versus 21.1% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Marble Rock against the rest of the country
Marble Rock scores 23rd nationally and 36th 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, Marble Rock ranks 24,261 for wildfire risk (1 is highest) and 22,502 by building count (1 is largest). Within Iowa alone, it ranks 646 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
Marble Rock's moderate rating (23rd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Marble Rock
Marble Rock's 78.9% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Marble Rock's figures come from
Marble Rock's 23rd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Marble Rock's dominant indirect exposure actually means, with real examples from across the dataset.