Richland, IA
How exposed is Richland to wildfire?
Richland sits at the 55th 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 450 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Richland at the 56th percentile, close to its 55th-percentile risk score.
What "at risk" means for the buildings here
Richland rates 87.6% Minimal exposure against just 12.4% Direct and 0% Indirect — of 450 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Richland ranks
Richland's 75th-percentile standing inside Iowa outpaces its 55th 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, Richland ranks 14,300 for wildfire risk (1 is highest) and 18,277 by building count (1 is largest). Within Iowa alone, it ranks 260 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
Richland's elevated wildfire rating (55th 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.
What would actually reduce this score
With 87.6% of buildings rated Minimal exposure, Richland gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Richland's figures come from
Every one of the two percentiles behind Richland's 14,300-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Richland's dominant minimal exposure actually means, with real examples from across the dataset.