Morning Sun, IA
Morning Sun, IA's wildfire risk, in USFS's own numbers
Morning Sun sits at the 58th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 543 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 Morning Sun at the 59th percentile, close to its 58th-percentile risk score.
What "at risk" means for the buildings here
94.1% of Morning Sun's 543 buildings sit in USFS's Minimal exposure zone, with only 5.9% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
How Morning Sun compares
Compare Morning Sun's two percentiles: 81st within Iowa, only 58th nationally — a gap of 23 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Morning Sun ranks 13,140 for wildfire risk (1 is highest) and 16,668 by building count (1 is largest). Within Iowa alone, it ranks 193 of 1,017 places by risk. See the full county-by-county picture for Iowa on its state page.
Shopping for coverage in Morning Sun
Morning Sun'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.
What would actually reduce this score
With 94.1% of buildings rated Minimal exposure, Morning Sun 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 543 counted buildings into the percentiles shown above for Morning Sun. For more on what minimal exposure implies beyond Morning Sun, see the exposure-zones guide.