Clearwater, NE
How exposed is Clearwater to wildfire?
Clearwater's 324 buildings earn a 73rd-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, Clearwater's burn probability — fire likelihood with no building count factored in — sits at the 68th percentile nationally.
Clearwater's building exposure, zone by zone
84.6% of Clearwater's 324 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 15.4% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
How Clearwater compares
Clearwater's risk sits at a similar level relative to Nebraska (74th percentile statewide) as it does nationally (73rd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Clearwater ranks 8,668 for wildfire risk (1 is highest) and 20,985 by building count (1 is largest). Within Nebraska alone, it ranks 154 of 583 places by risk. See the full county-by-county picture for Nebraska on its state page.
Shopping for coverage in Clearwater
Clearwater's high rating (73rd 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.
What would actually reduce this score
Because 84.6% of Clearwater's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 324 counted buildings into the percentiles shown above for Clearwater. For more on what indirect exposure implies beyond Clearwater, see the exposure-zones guide.