Holstein, NE
How exposed is Holstein to wildfire?
Holstein's 184 buildings earn a 44th-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Holstein at the 40th percentile, close to its 44th-percentile risk score.
Holstein's building exposure, zone by zone
Most of Holstein's buildings (60.3%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
How Holstein compares
Holstein ranks lower within Nebraska (29th percentile statewide) than its 44th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Holstein ranks 17,590 for wildfire risk (1 is highest) and 25,473 by building count (1 is largest). Within Nebraska alone, it ranks 417 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
Holstein's elevated rating (44th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Holstein
With ember exposure the dominant pattern in Holstein (60.3% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
The methodology guide shows exactly how USFS turned 184 counted buildings into the percentiles shown above for Holstein. For more on what indirect exposure implies beyond Holstein, see the exposure-zones guide.