Toronto, IA
Toronto, IA's wildfire risk, in USFS's own numbers
USFS scores Toronto at the 49th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 99 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Toronto's burn probability — fire likelihood with no building count factored in — sits at the 51st percentile nationally.
Toronto's building exposure, zone by zone
Indirect exposure is dominant in Toronto (51.5% of 99 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 48.5% sit in the Direct zone.
How Toronto compares
Compare Toronto's two percentiles: 68th within Iowa, only 49th nationally — a gap of 19 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Toronto ranks 15,941 for wildfire risk (1 is highest) and 29,078 by building count (1 is largest). Within Iowa alone, it ranks 327 of 1,017 places by risk. See the full county-by-county picture for Iowa on its state page.
Shopping for coverage in Toronto
Toronto's elevated rating (49th 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
Toronto's 51.5% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Toronto's figures come from
Toronto's 49th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Toronto's dominant indirect exposure actually means, with real examples from across the dataset.