David City, NE
David City wildfire risk explained
USFS scores David City at the 39th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 1,701 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts David City at the 32nd percentile, close to its 39th-percentile risk score.
What "at risk" means for the buildings here
90.3% of David City's 1,701 buildings sit in USFS's Minimal exposure zone, with only 9.7% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
How David City compares
Inside Nebraska, David City sits at just the 24th percentile even though it scores 39th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, David City ranks 19,100 for wildfire risk (1 is highest) and 8,417 by building count (1 is largest). Within Nebraska alone, it ranks 446 of 583 places by risk. See the full county-by-county picture for Nebraska on its state page.
Shopping for coverage in David City
David City's moderate rating (39th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in David City
David City's 90.3% 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.
More on how this number was built
Every one of the two percentiles behind David City's 19,100-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond David City, see the exposure-zones guide.