Oakland Acres, IA
Oakland Acres, IA's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Oakland Acres at the 74th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 77 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Oakland Acres at the 76th percentile, close to its 74th-percentile risk score.
What "at risk" means for the buildings here
100% of Oakland Acres's 77 buildings sit in USFS's Direct exposure zone, roughly 77 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 0% are Minimal.
Oakland Acres against the rest of the country
Within Iowa, Oakland Acres ranks higher (97th percentile) than it does nationally (74th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Oakland Acres ranks 8,224 for wildfire risk (1 is highest) and 30,008 by building count (1 is largest). Within Iowa alone, it ranks 31 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
Oakland Acres's 74th-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
What would actually reduce this score
With 100% of Oakland Acres in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Oakland Acres's figures come from
Oakland Acres's 74th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Oakland Acres's dominant direct exposure actually means, with real examples from across the dataset.