West Okoboji, IA
West Okoboji, IA's wildfire risk, in USFS's own numbers
West Okoboji sits at the 58th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 343 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks West Okoboji at the 55th national percentile — 3 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Only 44.9% of West Okoboji's 343 buildings carry Direct exposure and 0% carry Indirect; the remaining 55.1% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Where West Okoboji ranks
Within Iowa, West Okoboji ranks higher (81st percentile) than it does nationally (58th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, West Okoboji ranks 13,106 for wildfire risk (1 is highest) and 20,484 by building count (1 is largest). Within Iowa alone, it ranks 190 of 1,017 places by risk. See the full county-by-county picture for Iowa on its state page.
Shopping for coverage in West Okoboji
At the 58th national percentile, West Okoboji rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in West Okoboji
Even with 55.1% of West Okoboji 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.
Where West Okoboji's figures come from
The methodology guide shows exactly how USFS turned 343 counted buildings into the percentiles shown above for West Okoboji. The exposure-zones guide covers what West Okoboji's dominant minimal exposure actually means, with real examples from across the dataset.