Milford, IA
Milford wildfire risk explained
USFS scores Milford at the 58th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 1,745 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Milford at the 54th national percentile — 4 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Milford's buildings actually sit
Only 22% of Milford's 1,745 buildings carry Direct exposure and 0% carry Indirect; the remaining 78.1% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Where Milford ranks
Milford's 80th-percentile standing inside Iowa outpaces its 58th 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, Milford ranks 13,326 for wildfire risk (1 is highest) and 8,244 by building count (1 is largest). Within Iowa alone, it ranks 207 of 1,017 places by risk. See the full county-by-county picture for Iowa on its state page.
Shopping for coverage in Milford
Milford's elevated rating (58th 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 Milford
Even with 78.1% of Milford outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Milford's figures come from
Milford's 58th-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 Milford's dominant minimal exposure actually means, with real examples from across the dataset.