Tipton, IA
How exposed is Tipton to wildfire?
Tipton sits at the 35th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 2,014 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Tipton at the 36th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Tipton's building exposure, zone by zone
USFS classifies 94.1% of Tipton's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 5.9% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
How Tipton compares
There's little gap between Tipton's 35th national percentile and its 50th percentile inside Iowa, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Tipton ranks 20,482 for wildfire risk (1 is highest) and 7,433 by building count (1 is largest). Within Iowa alone, it ranks 512 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
Tipton's moderate rating (35th 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
Even with 94.1% of Tipton outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 2,014 counted buildings into the percentiles shown above for Tipton. For more on what minimal exposure implies beyond Tipton, see the exposure-zones guide.