Henderson, NE
Henderson wildfire risk explained
USFS scores Henderson at the 7th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 633 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Henderson's burn probability — fire likelihood with no building count factored in — sits at the 6th percentile nationally.
Where Henderson's buildings actually sit
Most of Henderson's buildings (93.2% of 633) 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.
How Henderson compares
Henderson scores 7th nationally and 3rd 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, Henderson ranks 29,441 for wildfire risk (1 is highest) and 15,431 by building count (1 is largest). Within Nebraska alone, it ranks 565 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
Henderson's low rating (7th 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
Henderson's 93.2% 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 Henderson's 29,441-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Henderson, see the exposure-zones guide.