Waverly, IA
How exposed is Waverly to wildfire?
Waverly's 4,475 buildings earn a 36th-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.)
Separately from the risk score above, Waverly's burn probability — fire likelihood with no building count factored in — sits at the 37th percentile nationally.
Where Waverly's buildings actually sit
Waverly rates 59.7% Minimal exposure against just 17.7% Direct and 22.6% Indirect — of 4,475 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Waverly against the rest of the country
Compare Waverly's two percentiles: 51st within Iowa, only 36th nationally — a gap of 15 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Waverly ranks 20,197 for wildfire risk (1 is highest) and 3,813 by building count (1 is largest). Within Iowa alone, it ranks 501 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
Waverly's moderate wildfire rating (36th 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.
What would actually reduce this score
Waverly's 59.7% 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
Waverly's 36th-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 Waverly, see the exposure-zones guide.