Morrison, IA
Morrison wildfire risk explained
USFS scores Morrison at the 23rd national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 101 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Morrison's burn probability — fire likelihood with no building count factored in — sits at the 21st percentile nationally.
Morrison's building exposure, zone by zone
USFS classifies 75.3% of Morrison's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 24.8% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
How Morrison compares
Morrison scores 23rd nationally and 36th within Iowa — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Morrison ranks 24,354 for wildfire risk (1 is highest) and 28,992 by building count (1 is largest). Within Iowa alone, it ranks 653 of 1,017 places by risk. See the full county-by-county picture for Iowa on its state page.
Morrison and the insurance market
Morrison's moderate wildfire rating (23rd percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
What would actually reduce this score
Even with 75.3% of Morrison 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 Morrison's figures come from
Every one of the two percentiles behind Morrison's 24,354-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Morrison's dominant minimal exposure actually means, with real examples from across the dataset.