Osterdock, IA
How exposed is Osterdock to wildfire?
Osterdock's 44 buildings earn a 28th-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Osterdock at the 29th percentile, close to its 28th-percentile risk score.
Where Osterdock's buildings actually sit
63.6% of Osterdock's 44 buildings sit in USFS's Direct exposure zone, roughly 28 structures close enough to burnable vegetation for flame contact, not just embers — 36.4% fall in the Indirect, ember-only zone and 0% are Minimal.
How Osterdock compares
There's little gap between Osterdock's 28th national percentile and its 43rd percentile inside Iowa, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Osterdock ranks 22,559 for wildfire risk (1 is highest) and 31,071 by building count (1 is largest). Within Iowa alone, it ranks 583 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
Osterdock's moderate wildfire rating (28th 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.
Lowering exposure, not just insuring around it
With 63.6% of Osterdock 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 44 counted buildings into the percentiles shown above for Osterdock. For more on what direct exposure implies beyond Osterdock, see the exposure-zones guide.