Culbertson, NE
Culbertson wildfire risk explained
USFS's Wildfire Risk to Communities model puts Culbertson at the 46th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 501 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Culbertson's burn probability — fire likelihood with no building count factored in — sits at the 46th percentile nationally.
Culbertson's building exposure, zone by zone
USFS puts 93.4% of Culbertson's 501 buildings in the Indirect exposure zone, versus 6.6% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Culbertson against the rest of the country
Culbertson scores 46th nationally and 31st 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, Culbertson ranks 16,990 for wildfire risk (1 is highest) and 17,338 by building count (1 is largest). Within Nebraska alone, it ranks 399 of 583 places by risk. See the full county-by-county picture for Nebraska on its state page.
Culbertson and the insurance market
Culbertson's elevated wildfire rating (46th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Hardening a home in Culbertson
Culbertson's 93.4% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 501 counted buildings into the percentiles shown above for Culbertson. For more on what indirect exposure implies beyond Culbertson, see the exposure-zones guide.