Brewster, NE
Brewster wildfire risk explained
USFS's Wildfire Risk to Communities model puts Brewster at the 79th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 54 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Brewster's burn probability — fire likelihood with no building count factored in — sits at the 78th percentile nationally.
Brewster's building exposure, zone by zone
Most of Brewster's buildings (68.5%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
Brewster against the rest of the country
Brewster's risk sits at a similar level relative to Nebraska (85th percentile statewide) as it does nationally (79th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Brewster ranks 6,592 for wildfire risk (1 is highest) and 30,824 by building count (1 is largest). Within Nebraska alone, it ranks 90 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
Brewster's high rating (79th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Lowering exposure, not just insuring around it
Brewster's 68.5% 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.
More on how this number was built
Brewster's 79th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Brewster, see the exposure-zones guide.