Gibbon, NE
Gibbon wildfire risk explained
USFS scores Gibbon at the 5th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 934 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 Gibbon at the 5th percentile, close to its 5th-percentile risk score.
Gibbon's building exposure, zone by zone
Most of Gibbon's buildings (97.4% of 934) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Where Gibbon ranks
Gibbon scores 5th nationally and 2nd 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, Gibbon ranks 29,916 for wildfire risk (1 is highest) and 12,433 by building count (1 is largest). Within Nebraska alone, it ranks 571 of 583 places by risk. See the full county-by-county picture for Nebraska on its state page.
Gibbon and the insurance market
Gibbon's low wildfire rating (5th 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 Gibbon
Even with 97.4% of Gibbon 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.
Where Gibbon's figures come from
The methodology guide shows exactly how USFS turned 934 counted buildings into the percentiles shown above for Gibbon. The exposure-zones guide covers what Gibbon's dominant minimal exposure actually means, with real examples from across the dataset.