St. Ansgar, IA
St. Ansgar, IA's wildfire risk, in USFS's own numbers
USFS scores St. Ansgar at the 25th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 814 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, St. Ansgar's burn probability — fire likelihood with no building count factored in — sits at the 24th percentile nationally.
Where St. Ansgar's buildings actually sit
St. Ansgar rates 92.6% Minimal exposure against just 7.4% Direct and 0% Indirect — of 814 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where St. Ansgar ranks
St. Ansgar's risk sits at a similar level relative to Iowa (38th percentile statewide) as it does nationally (25th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, St. Ansgar ranks 23,630 for wildfire risk (1 is highest) and 13,511 by building count (1 is largest). Within Iowa alone, it ranks 626 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
St. Ansgar's moderate wildfire rating (25th 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 92.6% of St. Ansgar 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.
More on how this number was built
St. Ansgar's 25th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond St. Ansgar, see the exposure-zones guide.