Thayer, IA
Thayer wildfire risk explained
Thayer sits at the 71st percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 47 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Thayer at the 73rd national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Thayer's building exposure, zone by zone
Of Thayer's 47 counted buildings, 59.6% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Thayer against the rest of the country
Within Iowa, Thayer ranks higher (95th percentile) than it does nationally (71st) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Thayer ranks 9,049 for wildfire risk (1 is highest) and 30,994 by building count (1 is largest). Within Iowa alone, it ranks 55 of 1,017 places by risk. See the full county-by-county picture for Iowa on its state page.
Thayer and the insurance market
At the 71st percentile nationally, Thayer carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
What would actually reduce this score
With 59.6% of Thayer in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Thayer's 9,049-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Thayer, see the exposure-zones guide.