Matlock, IA
Matlock, IA's wildfire risk, in USFS's own numbers
USFS scores Matlock at the 28th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 86 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 Matlock at the 23rd percentile, close to its 28th-percentile risk score.
What "at risk" means for the buildings here
USFS classifies 72.1% of Matlock's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 27.9% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Where Matlock ranks
Matlock's risk sits at a similar level relative to Iowa (42nd percentile statewide) as it does nationally (28th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Matlock ranks 22,847 for wildfire risk (1 is highest) and 29,647 by building count (1 is largest). Within Iowa alone, it ranks 591 of 1,017 places by risk. See the full county-by-county picture for Iowa on its state page.
Shopping for coverage in Matlock
Matlock's moderate rating (28th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Matlock's 72.1% 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.
Where Matlock's figures come from
Matlock's 28th-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 Matlock's dominant minimal exposure actually means, with real examples from across the dataset.