Broadwater, NE
Broadwater, NE's wildfire risk, in USFS's own numbers
Broadwater's 130 buildings earn a 69th-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Broadwater's burn probability — fire likelihood with no building count factored in — sits at the 68th percentile nationally.
Broadwater's building exposure, zone by zone
Most of Broadwater's buildings (90%) 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.
Broadwater against the rest of the country
Broadwater scores 69th nationally and 66th 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, Broadwater ranks 9,903 for wildfire risk (1 is highest) and 27,723 by building count (1 is largest). Within Nebraska alone, it ranks 199 of 583 places by risk. See the full county-by-county picture for Nebraska on its state page.
Broadwater and the insurance market
Broadwater's 69th-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Broadwater (90% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Broadwater's figures come from
The methodology guide shows exactly how USFS turned 130 counted buildings into the percentiles shown above for Broadwater. The exposure-zones guide covers what Broadwater's dominant indirect exposure actually means, with real examples from across the dataset.