Avoca, NE
How exposed is Avoca to wildfire?
Out of every US place USFS scores, Avoca lands at the 32nd percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 167 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Avoca's burn probability — fire likelihood with no building count factored in — sits at the 30th percentile nationally.
Avoca's building exposure, zone by zone
Most of Avoca's buildings (84.4% of 167) 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 Avoca ranks
Avoca's 32nd national percentile looks worse in isolation than its 17th ranking inside Nebraska does — this place is on the milder end for its own state, by 15 points. Among the 31,521 US communities USFS scores, Avoca ranks 21,303 for wildfire risk (1 is highest) and 26,139 by building count (1 is largest). Within Nebraska alone, it ranks 483 of 583 places by risk. See the full county-by-county picture for Nebraska on its state page.
What this risk score means for insurance
Avoca's moderate wildfire rating (32nd percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
What would actually reduce this score
With 84.4% of buildings rated Minimal exposure, Avoca gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Avoca's figures come from
Avoca's 32nd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Avoca's dominant minimal exposure actually means, with real examples from across the dataset.