Traer, IA
Traer wildfire risk explained
Traer's 995 buildings earn a 33rd-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Traer at the 33rd percentile, close to its 33rd-percentile risk score.
Where Traer's buildings actually sit
Traer rates 93.1% Minimal exposure against just 6.9% Direct and 0% Indirect — of 995 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Traer against the rest of the country
Traer scores 33rd nationally and 48th within Iowa — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Traer ranks 21,107 for wildfire risk (1 is highest) and 11,971 by building count (1 is largest). Within Iowa alone, it ranks 532 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
Traer's moderate wildfire rating (33rd percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Hardening a home in Traer
Even with 93.1% of Traer 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
Every one of the two percentiles behind Traer's 21,107-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Traer, see the exposure-zones guide.