Dunbar, NE
Dunbar wildfire risk explained
Dunbar sits at the 49th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 120 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Dunbar at the 46th percentile, close to its 49th-percentile risk score.
Where Dunbar's buildings actually sit
Dunbar rates 71.7% Minimal exposure against just 28.3% Direct and 0% Indirect — of 120 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Dunbar against the rest of the country
There's little gap between Dunbar's 49th national percentile and its 35th percentile inside Nebraska, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Dunbar ranks 16,174 for wildfire risk (1 is highest) and 28,153 by building count (1 is largest). Within Nebraska alone, it ranks 379 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
Dunbar's elevated wildfire rating (49th 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 Dunbar
Even with 71.7% of Dunbar outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 120 counted buildings into the percentiles shown above for Dunbar. For more on what minimal exposure implies beyond Dunbar, see the exposure-zones guide.