Terril, IA
How exposed is Terril to wildfire?
Out of every US place USFS scores, Terril lands at the 7th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 271 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Terril's burn probability — fire likelihood with no building count factored in — sits at the 5th percentile nationally.
Where Terril's buildings actually sit
Only 22.5% of Terril's 271 buildings carry Direct exposure and 0% carry Indirect; the remaining 77.5% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Where Terril ranks
There's little gap between Terril's 7th national percentile and its 14th percentile inside Iowa, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Terril ranks 29,466 for wildfire risk (1 is highest) and 22,468 by building count (1 is largest). Within Iowa alone, it ranks 873 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
At the 7th national percentile, Terril rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
With 77.5% of buildings rated Minimal exposure, Terril gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Terril's figures come from
The methodology guide shows exactly how USFS turned 271 counted buildings into the percentiles shown above for Terril. The exposure-zones guide covers what Terril's dominant minimal exposure actually means, with real examples from across the dataset.