Urbana, IA
Urbana wildfire risk explained
Out of every US place USFS scores, Urbana lands at the 31st percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 770 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Urbana at the 32nd percentile, close to its 31st-percentile risk score.
What "at risk" means for the buildings here
Only 17.5% of Urbana's 770 buildings carry Direct exposure and 0% carry Indirect; the remaining 82.5% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
How Urbana compares
Urbana scores 31st nationally and 46th 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, Urbana ranks 21,645 for wildfire risk (1 is highest) and 13,915 by building count (1 is largest). Within Iowa alone, it ranks 549 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
Urbana's moderate rating (31st percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Urbana's 82.5% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
Urbana's 31st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Urbana, see the exposure-zones guide.