Okoboji, IA
Okoboji wildfire risk explained
Okoboji's 760 buildings earn a 67th-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Okoboji at the 64th percentile, close to its 67th-percentile risk score.
What "at risk" means for the buildings here
Most of Okoboji's buildings (52.1% of 760) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Where Okoboji ranks
Okoboji's 91st-percentile standing inside Iowa outpaces its 67th 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, Okoboji ranks 10,300 for wildfire risk (1 is highest) and 14,014 by building count (1 is largest). Within Iowa alone, it ranks 90 of 1,017 places by risk. See the full county-by-county picture for Iowa on its state page.
Okoboji and the insurance market
At the 67th percentile nationally, Okoboji carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
What would actually reduce this score
Even with 52.1% of Okoboji 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 Okoboji's figures come from
The methodology guide shows exactly how USFS turned 760 counted buildings into the percentiles shown above for Okoboji. The exposure-zones guide covers what Okoboji's dominant minimal exposure actually means, with real examples from across the dataset.