Spillville, IA
Spillville, IA's wildfire risk, in USFS's own numbers
Spillville's 315 buildings earn a 35th-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.)
Fire likelihood alone (USFS's burn-probability figure) ranks Spillville at the 37th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Spillville's building exposure, zone by zone
Spillville rates 81% Minimal exposure against just 19.1% Direct and 0% Indirect — of 315 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Spillville compares
Spillville scores 35th nationally and 50th 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, Spillville ranks 20,350 for wildfire risk (1 is highest) and 21,227 by building count (1 is largest). Within Iowa alone, it ranks 506 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
Spillville's moderate wildfire rating (35th 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
Even with 81% of Spillville 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 Spillville's figures come from
The methodology guide shows exactly how USFS turned 315 counted buildings into the percentiles shown above for Spillville. The exposure-zones guide covers what Spillville's dominant minimal exposure actually means, with real examples from across the dataset.