Westfield, IA
How exposed is Westfield to wildfire?
Westfield's 116 buildings earn a 83rd-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Westfield at the 77th percentile, close to its 83rd-percentile risk score.
Where Westfield's buildings actually sit
77.6% of Westfield's 116 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 22.4% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
How Westfield compares
Compare Westfield's two percentiles: 99th within Iowa, only 83rd nationally — a gap of 17 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Westfield ranks 5,419 for wildfire risk (1 is highest) and 28,358 by building count (1 is largest). Within Iowa alone, it ranks 7 of 1,017 places by risk. See the full county-by-county picture for Iowa on its state page.
Shopping for coverage in Westfield
Westfield's very high rating (83rd percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Lowering exposure, not just insuring around it
Westfield's 77.6% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Westfield's figures come from
The methodology guide shows exactly how USFS turned 116 counted buildings into the percentiles shown above for Westfield. The exposure-zones guide covers what Westfield's dominant indirect exposure actually means, with real examples from across the dataset.