Rinard, IA
How exposed is Rinard to wildfire?
USFS's Wildfire Risk to Communities model puts Rinard at the 4th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 76 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 Rinard at the 4th percentile, close to its 4th-percentile risk score.
Rinard's building exposure, zone by zone
Only 38.2% of Rinard's 76 buildings carry Direct exposure and 0% carry Indirect; the remaining 61.8% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
How Rinard compares
There's little gap between Rinard's 4th national percentile and its 10th percentile inside Iowa, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Rinard ranks 30,136 for wildfire risk (1 is highest) and 30,044 by building count (1 is largest). Within Iowa alone, it ranks 921 of 1,017 places by risk. See the full county-by-county picture for Iowa on its state page.
Rinard and the insurance market
Rinard's low wildfire rating (4th 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 Rinard
Even with 61.8% of Rinard 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 Rinard's figures come from
Rinard's 4th-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 Rinard's dominant minimal exposure actually means, with real examples from across the dataset.