Homer, NE
Homer, NE's wildfire risk, in USFS's own numbers
Homer sits at the 91st percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 279 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Homer at the 90th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Homer's building exposure, zone by zone
79.9% of Homer's 279 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 20.1% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
How Homer compares
There's little gap between Homer's 91st national percentile and its 99th percentile inside Nebraska, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Homer ranks 2,709 for wildfire risk (1 is highest) and 22,226 by building count (1 is largest). Within Nebraska alone, it ranks 9 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
Homer's 91st-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
Because 79.9% of Homer's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Homer's figures come from
Every one of the two percentiles behind Homer's 2,709-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Homer's dominant indirect exposure actually means, with real examples from across the dataset.