Crete, NE
Crete wildfire risk explained
USFS's Wildfire Risk to Communities model puts Crete at the 64th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 2,942 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Crete's burn probability — fire likelihood with no building count factored in — sits at the 58th percentile nationally.
Crete's building exposure, zone by zone
USFS classifies 90.7% of Crete's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 9.3% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Crete against the rest of the country
Crete's risk sits at a similar level relative to Nebraska (57th percentile statewide) as it does nationally (64th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Crete ranks 11,285 for wildfire risk (1 is highest) and 5,527 by building count (1 is largest). Within Nebraska alone, it ranks 253 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
Crete's high rating (64th 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
With 90.7% of buildings rated Minimal exposure, Crete gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
The methodology guide shows exactly how USFS turned 2,942 counted buildings into the percentiles shown above for Crete. For more on what minimal exposure implies beyond Crete, see the exposure-zones guide.