Yarmouth, IA
Yarmouth wildfire risk explained
Out of every US place USFS scores, Yarmouth lands at the 5th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 118 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Yarmouth at the 5th national percentile — 0 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
Most of Yarmouth's buildings (88.1% of 118) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Where Yarmouth ranks
Yarmouth scores 5th nationally and 11th within Iowa — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Yarmouth ranks 30,007 for wildfire risk (1 is highest) and 28,241 by building count (1 is largest). Within Iowa alone, it ranks 911 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
Yarmouth's low rating (5th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Yarmouth
Even with 88.1% of Yarmouth 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 Yarmouth's figures come from
The methodology guide shows exactly how USFS turned 118 counted buildings into the percentiles shown above for Yarmouth. The exposure-zones guide covers what Yarmouth's dominant minimal exposure actually means, with real examples from across the dataset.