St. Olaf, IA
How exposed is St. Olaf to wildfire?
St. Olaf sits at the 22nd percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 79 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks St. Olaf at the 22nd national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
St. Olaf's building exposure, zone by zone
USFS classifies 51.9% of St. Olaf's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 48.1% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Where St. Olaf ranks
There's little gap between St. Olaf's 22nd national percentile and its 35th percentile inside Iowa, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, St. Olaf ranks 24,740 for wildfire risk (1 is highest) and 29,920 by building count (1 is largest). Within Iowa alone, it ranks 663 of 1,017 places by risk. See the full county-by-county picture for Iowa on its state page.
Shopping for coverage in St. Olaf
St. Olaf's moderate rating (22nd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
St. Olaf's 51.9% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 79 counted buildings into the percentiles shown above for St. Olaf. For more on what minimal exposure implies beyond St. Olaf, see the exposure-zones guide.