Holbrook, NE
Holbrook wildfire risk explained
USFS scores Holbrook at the 30th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 239 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 Holbrook at the 28th percentile, close to its 30th-percentile risk score.
Holbrook's building exposure, zone by zone
USFS classifies 91.2% of Holbrook's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 4.2% Direct and 4.6% Indirect — a landscape-level risk rather than a building-by-building one.
Holbrook against the rest of the country
Holbrook scores 30th nationally and 16th 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, Holbrook ranks 21,968 for wildfire risk (1 is highest) and 23,501 by building count (1 is largest). Within Nebraska alone, it ranks 492 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
Holbrook's moderate wildfire rating (30th 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 Holbrook
Even with 91.2% of Holbrook 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 Holbrook's figures come from
Holbrook's 30th-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 Holbrook's dominant minimal exposure actually means, with real examples from across the dataset.