Harvard, NE
How exposed is Harvard to wildfire?
Out of every US place USFS scores, Harvard lands at the 13th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 594 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Harvard at the 13th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Harvard's building exposure, zone by zone
Most of Harvard's buildings (94.1% of 594) 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.
Harvard against the rest of the country
Harvard scores 13th nationally and 6th 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, Harvard ranks 27,391 for wildfire risk (1 is highest) and 15,915 by building count (1 is largest). Within Nebraska alone, it ranks 550 of 583 places by risk. See the full county-by-county picture for Nebraska on its state page.
Shopping for coverage in Harvard
Harvard's low rating (13th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Harvard's 94.1% 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.
Where Harvard's figures come from
Harvard's 13th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Harvard's dominant minimal exposure actually means, with real examples from across the dataset.