Beaver Lake, NE
How exposed is Beaver Lake to wildfire?
USFS scores Beaver Lake at the 57th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 1,129 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Beaver Lake at the 56th national percentile — 1 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
Beaver Lake rates 56.3% Minimal exposure against just 43.7% Direct and 0% Indirect — of 1,129 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Beaver Lake compares
Beaver Lake scores 57th nationally and 45th within Nebraska — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Beaver Lake ranks 13,655 for wildfire risk (1 is highest) and 11,086 by building count (1 is largest). Within Nebraska alone, it ranks 322 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 Lake's elevated wildfire rating (57th 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
Even with 56.3% of Beaver Lake 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
Every one of the two percentiles behind Beaver Lake's 13,655-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Beaver Lake, see the exposure-zones guide.