Moravia, IA
Moravia wildfire risk explained
USFS scores Moravia at the 70th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 499 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 Moravia at the 72nd percentile, close to its 70th-percentile risk score.
Moravia's building exposure, zone by zone
66.9% of Moravia's 499 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 29.3% Direct and 3.8% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Moravia against the rest of the country
Within Iowa, Moravia ranks higher (94th percentile) than it does nationally (70th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Moravia ranks 9,359 for wildfire risk (1 is highest) and 17,378 by building count (1 is largest). Within Iowa alone, it ranks 65 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
Moravia's high rating (70th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
What would actually reduce this score
Moravia's 66.9% 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.
More on how this number was built
Moravia's 70th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Moravia, see the exposure-zones guide.