Steamboat Rock, IA
Steamboat Rock, IA's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Steamboat Rock at the 58th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 218 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Steamboat Rock at the 60th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Steamboat Rock rates 68.4% Minimal exposure against just 31.7% Direct and 0% Indirect — of 218 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Steamboat Rock ranks
Compare Steamboat Rock's two percentiles: 81st within Iowa, only 58th nationally — a gap of 23 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Steamboat Rock ranks 13,202 for wildfire risk (1 is highest) and 24,197 by building count (1 is largest). Within Iowa alone, it ranks 197 of 1,017 places by risk. See the full county-by-county picture for Iowa on its state page.
Steamboat Rock and the insurance market
Steamboat Rock's elevated wildfire rating (58th 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 Steamboat Rock
With 68.4% of buildings rated Minimal exposure, Steamboat Rock gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Steamboat Rock's figures come from
The methodology guide shows exactly how USFS turned 218 counted buildings into the percentiles shown above for Steamboat Rock. The exposure-zones guide covers what Steamboat Rock's dominant minimal exposure actually means, with real examples from across the dataset.