Shelby, IA
Shelby, IA's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Shelby at the 27th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 486 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 Shelby at the 25th percentile, close to its 27th-percentile risk score.
Where Shelby's buildings actually sit
Shelby rates 75.5% Minimal exposure against just 24.5% Direct and 0% Indirect — of 486 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Shelby against the rest of the country
Shelby scores 27th nationally and 41st within Iowa — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Shelby ranks 23,097 for wildfire risk (1 is highest) and 17,600 by building count (1 is largest). Within Iowa alone, it ranks 602 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
Shelby's moderate rating (27th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Shelby
With 75.5% of buildings rated Minimal exposure, Shelby gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
The methodology guide shows exactly how USFS turned 486 counted buildings into the percentiles shown above for Shelby. For more on what minimal exposure implies beyond Shelby, see the exposure-zones guide.