Masonville, IA
Masonville wildfire risk explained
USFS scores Masonville at the 5th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 102 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Masonville at the 4th percentile, close to its 5th-percentile risk score.
What "at risk" means for the buildings here
59.8% of Masonville's 102 buildings sit in USFS's Minimal exposure zone, with only 40.2% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Masonville against the rest of the country
Masonville's risk sits at a similar level relative to Iowa (10th percentile statewide) as it does nationally (5th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Masonville ranks 30,071 for wildfire risk (1 is highest) and 28,949 by building count (1 is largest). Within Iowa alone, it ranks 914 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
Masonville's low wildfire rating (5th 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 Masonville
Masonville's 59.8% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Masonville's 30,071-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Masonville, see the exposure-zones guide.