The honest schedule comes straight from the fire-safety standard: inspect every chimney once a year, and clean whenever the inspection finds real buildup or debris. The interesting question is how fast your particular use reaches that point — and an Iowa heating season gets there quicker than most.
Why yearly holds even for light use

A dozen fires a winter may not build much creosote, but the annual check is not only about creosote. Storm-damaged caps, cracked crowns, and spring bird nests happen to unused chimneys too — Des Moines had whole neighborhoods learn that after the 2020 derecho.
What you burn also counts more than how often. A few evenings of wet wood and holiday wrapping paper can deposit more than a month of dry oak.
Daily stove users are a different schedule
A stove heating through an Iowa winter can run a cord or more of hardwood, much of it on choked-down overnight burns — the exact recipe for fast buildup. Heavy burners often need a mid-season cleaning on top of the fall one.
The five-minute habit that protects you: first of every month, flashlight up the stovepipe connector. Blackening glass and lazy draft are the same warning delivered daily.
Symptoms that override the calendar
Tar smell in humid weather, soot raining into the firebox, fires suddenly hard to light, smoke entering the room — any of these means inspect now, not in October.
An early cleaning costs the same as a scheduled one. The expensive version is the one the flue schedules for you.
A rhythm that works here
Book the inspection in August or early September before the rush; if buildup is found, it is cleaned in the same visit. Heavy burners add the monthly connector glance and a January check-in. That is the whole system.
Setting your own schedule
Occasional burner: annual fall inspection, cleaning when it finds something. Daily stove burner: the same, plus a monthly connector glance and an honest look at whether your wood is truly dry.
Either way, let symptoms overrule the calendar — the flue always tells you when it is ready early.