Mooar, IA
Mooar, IA's wildfire risk, in USFS's own numbers
Mooar sits at the 62nd percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 233 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Mooar at the 65th percentile, close to its 62nd-percentile risk score.
Mooar's building exposure, zone by zone
82% of Mooar's 233 buildings sit in USFS's Direct exposure zone, roughly 191 structures close enough to burnable vegetation for flame contact, not just embers — 18% fall in the Indirect, ember-only zone and 0% are Minimal.
How Mooar compares
Within Iowa, Mooar ranks higher (86th percentile) than it does nationally (62nd) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Mooar ranks 11,849 for wildfire risk (1 is highest) and 23,699 by building count (1 is largest). Within Iowa alone, it ranks 141 of 1,017 places by risk. See the full county-by-county picture for Iowa on its state page.
Mooar and the insurance market
Mooar's 62nd-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
What would actually reduce this score
Mooar's 82% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Mooar's figures come from
Mooar's 62nd-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 Mooar's dominant direct exposure actually means, with real examples from across the dataset.