Ashland, NE
How exposed is Ashland to wildfire?
Ashland sits at the 66th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 1,361 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Ashland at the 64th national percentile — 3 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Ashland's buildings actually sit
Most of Ashland's buildings (79.6% of 1,361) 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.
Ashland against the rest of the country
Ashland's risk sits at a similar level relative to Nebraska (62nd percentile statewide) as it does nationally (66th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Ashland ranks 10,598 for wildfire risk (1 is highest) and 9,780 by building count (1 is largest). Within Nebraska alone, it ranks 224 of 583 places by risk. See the full county-by-county picture for Nebraska on its state page.
Shopping for coverage in Ashland
At the 66th percentile nationally, Ashland carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Lowering exposure, not just insuring around it
Even with 79.6% of Ashland 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,361 counted buildings into the percentiles shown above for Ashland. For more on what minimal exposure implies beyond Ashland, see the exposure-zones guide.