Westphalia, IA
How exposed is Westphalia to wildfire?
Westphalia sits at the 10th percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 99 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Westphalia at the 9th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Westphalia's building exposure, zone by zone
Westphalia rates 89.9% Minimal exposure against just 10.1% Direct and 0% Indirect — of 99 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Westphalia compares
Westphalia's risk sits at a similar level relative to Iowa (20th percentile statewide) as it does nationally (10th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Westphalia ranks 28,299 for wildfire risk (1 is highest) and 29,079 by building count (1 is largest). Within Iowa alone, it ranks 817 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
At the 10th national percentile, Westphalia rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Westphalia's 89.9% 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 Westphalia's figures come from
The methodology guide shows exactly how USFS turned 99 counted buildings into the percentiles shown above for Westphalia. The exposure-zones guide covers what Westphalia's dominant minimal exposure actually means, with real examples from across the dataset.