Stuart, IA
Stuart wildfire risk explained
Stuart sits at the 51st percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 1,093 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Stuart's burn probability — fire likelihood with no building count factored in — sits at the 51st percentile nationally.
Stuart's building exposure, zone by zone
Stuart rates 46.8% Minimal exposure against just 24.7% Direct and 28.6% Indirect — of 1,093 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Stuart compares
Within Iowa, Stuart ranks higher (69th percentile) than it does nationally (51st) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Stuart ranks 15,593 for wildfire risk (1 is highest) and 11,320 by building count (1 is largest). Within Iowa alone, it ranks 312 of 1,017 places by risk. See the full county-by-county picture for Iowa on its state page.
Stuart and the insurance market
Stuart's elevated rating (51st percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
With 46.8% of buildings rated Minimal exposure, Stuart gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,093 counted buildings into the percentiles shown above for Stuart. For more on what minimal exposure implies beyond Stuart, see the exposure-zones guide.