Craig, NE
Craig wildfire risk explained
Out of every US place USFS scores, Craig lands at the 75th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 175 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Craig at the 65th national percentile — 10 points below its risk-to-structures score, a gap driven by how much is actually built there.
Craig's building exposure, zone by zone
USFS classifies 81.1% of Craig's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 18.9% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Where Craig ranks
Craig's risk sits at a similar level relative to Nebraska (77th percentile statewide) as it does nationally (75th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Craig ranks 8,006 for wildfire risk (1 is highest) and 25,825 by building count (1 is largest). Within Nebraska alone, it ranks 136 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
Craig's 75th-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
Craig's 81.1% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Craig's figures come from
Craig's 75th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Craig's dominant minimal exposure actually means, with real examples from across the dataset.