Morley, IA
Morley wildfire risk explained
Morley's 79 buildings earn a 28th-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Morley at the 28th percentile, close to its 28th-percentile risk score.
Morley's building exposure, zone by zone
Morley rates 87.3% Minimal exposure against just 12.7% Direct and 0% Indirect — of 79 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Morley against the rest of the country
There's little gap between Morley's 28th national percentile and its 43rd percentile inside Iowa, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Morley ranks 22,528 for wildfire risk (1 is highest) and 29,918 by building count (1 is largest). Within Iowa alone, it ranks 580 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
At the 28th national percentile, Morley rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Morley
With 87.3% of buildings rated Minimal exposure, Morley gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
The methodology guide shows exactly how USFS turned 79 counted buildings into the percentiles shown above for Morley. For more on what minimal exposure implies beyond Morley, see the exposure-zones guide.