Oak Hills, IA
Oak Hills wildfire risk explained
Oak Hills sits at the 53rd 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 113 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Oak Hills's burn probability — fire likelihood with no building count factored in — sits at the 55th percentile nationally.
Oak Hills's building exposure, zone by zone
Of Oak Hills's 113 counted buildings, 55.8% carry Direct exposure and only 10.6% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
How Oak Hills compares
Compare Oak Hills's two percentiles: 72nd within Iowa, only 53rd nationally — a gap of 20 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Oak Hills ranks 14,969 for wildfire risk (1 is highest) and 28,500 by building count (1 is largest). Within Iowa alone, it ranks 283 of 1,017 places by risk. See the full county-by-county picture for Iowa on its state page.
Shopping for coverage in Oak Hills
Oak Hills's elevated rating (53rd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Oak Hills's 55.8% 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 Oak Hills's figures come from
Every one of the two percentiles behind Oak Hills's 14,969-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Oak Hills's dominant direct exposure actually means, with real examples from across the dataset.