Beaver City, NE
Beaver City wildfire risk explained
Out of every US place USFS scores, Beaver City lands at the 38th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 602 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Beaver City's burn probability — fire likelihood with no building count factored in — sits at the 35th percentile nationally.
Beaver City's building exposure, zone by zone
USFS puts 90.5% of Beaver City's 602 buildings in the Indirect exposure zone, versus 9.5% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Beaver City ranks
Beaver City's 38th national percentile looks worse in isolation than its 21st ranking inside Nebraska does — this place is on the milder end for its own state, by 16 points. Among the 31,521 US communities USFS scores, Beaver City ranks 19,695 for wildfire risk (1 is highest) and 15,815 by building count (1 is largest). Within Nebraska alone, it ranks 459 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
Beaver City's moderate wildfire rating (38th 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.
Lowering exposure, not just insuring around it
Beaver City's 90.5% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Beaver City's figures come from
The methodology guide shows exactly how USFS turned 602 counted buildings into the percentiles shown above for Beaver City. The exposure-zones guide covers what Beaver City's dominant indirect exposure actually means, with real examples from across the dataset.