Webster City, IA
Webster City wildfire risk explained
USFS's Wildfire Risk to Communities model puts Webster City at the 22nd national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 4,085 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Webster City at the 21st percentile, close to its 22nd-percentile risk score.
Webster City's building exposure, zone by zone
Webster City rates 89.7% Minimal exposure against just 10.3% Direct and 0% Indirect — of 4,085 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Webster City ranks
Webster City's risk sits at a similar level relative to Iowa (35th percentile statewide) as it does nationally (22nd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Webster City ranks 24,741 for wildfire risk (1 is highest) and 4,156 by building count (1 is largest). Within Iowa alone, it ranks 664 of 1,017 places by risk. See the full county-by-county picture for Iowa on its state page.
Webster City and the insurance market
At the 22nd national percentile, Webster City rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
Webster City's 89.7% 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.
Where Webster City's figures come from
Every one of the two percentiles behind Webster City's 24,741-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Webster City's dominant minimal exposure actually means, with real examples from across the dataset.