Stanwood, IA
Stanwood, IA's wildfire risk, in USFS's own numbers
USFS scores Stanwood at the 4th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 460 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Stanwood at the 4th percentile, close to its 4th-percentile risk score.
Stanwood's building exposure, zone by zone
Stanwood rates 84.6% Minimal exposure against just 15.4% Direct and 0% Indirect — of 460 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Stanwood ranks
Stanwood scores 4th nationally and 8th 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, Stanwood ranks 30,263 for wildfire risk (1 is highest) and 18,054 by building count (1 is largest). Within Iowa alone, it ranks 938 of 1,017 places by risk. See the full county-by-county picture for Iowa on its state page.
Stanwood and the insurance market
Stanwood's low wildfire rating (4th 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.
Hardening a home in Stanwood
With 84.6% of buildings rated Minimal exposure, Stanwood gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Stanwood's figures come from
Stanwood's 4th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Stanwood's dominant minimal exposure actually means, with real examples from across the dataset.