Silver City, IA
Silver City wildfire risk explained
USFS's Wildfire Risk to Communities model puts Silver City at the 33rd national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 186 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Silver City's burn probability — fire likelihood with no building count factored in — sits at the 31st percentile nationally.
Silver City's building exposure, zone by zone
74.7% of Silver City's 186 buildings sit in USFS's Minimal exposure zone, with only 25.3% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Silver City against the rest of the country
There's little gap between Silver City's 33rd national percentile and its 48th percentile inside Iowa, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Silver City ranks 21,079 for wildfire risk (1 is highest) and 25,389 by building count (1 is largest). Within Iowa alone, it ranks 529 of 1,017 places by risk. See the full county-by-county picture for Iowa on its state page.
Shopping for coverage in Silver City
Silver City's moderate rating (33rd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Even with 74.7% of Silver City 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 Silver City's figures come from
Every one of the two percentiles behind Silver City's 21,079-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Silver City's dominant minimal exposure actually means, with real examples from across the dataset.