Oakville, IA
Oakville, IA's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Oakville at the 41st national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 181 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Oakville at the 41st national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Oakville's buildings actually sit
181 buildings are counted in Oakville, and 91.2% of them are Indirect exposure — ember-driven risk rather than the 8.8% in Direct exposure or the 0% rated Minimal.
Oakville against the rest of the country
Oakville's 56th-percentile standing inside Iowa outpaces its 41st national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Oakville ranks 18,679 for wildfire risk (1 is highest) and 25,583 by building count (1 is largest). Within Iowa alone, it ranks 446 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
Oakville's elevated wildfire rating (41st 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.
Hardening a home in Oakville
Oakville's 91.2% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
Oakville's 41st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Oakville, see the exposure-zones guide.