Cedar Bluffs, NE
Cedar Bluffs wildfire risk explained
Cedar Bluffs's 390 buildings earn a 24th-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Cedar Bluffs's burn probability — fire likelihood with no building count factored in — sits at the 21st percentile nationally.
What "at risk" means for the buildings here
USFS classifies 90.3% of Cedar Bluffs's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 9.7% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Where Cedar Bluffs ranks
There's little gap between Cedar Bluffs's 24th national percentile and its 11th percentile inside Nebraska, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Cedar Bluffs ranks 24,051 for wildfire risk (1 is highest) and 19,411 by building count (1 is largest). Within Nebraska alone, it ranks 517 of 583 places by risk. See the full county-by-county picture for Nebraska on its state page.
Cedar Bluffs and the insurance market
At the 24th national percentile, Cedar Bluffs rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Even with 90.3% of Cedar Bluffs 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
The methodology guide shows exactly how USFS turned 390 counted buildings into the percentiles shown above for Cedar Bluffs. For more on what minimal exposure implies beyond Cedar Bluffs, see the exposure-zones guide.