Hubbard, NE
How exposed is Hubbard to wildfire?
Hubbard's 116 buildings earn a 74th-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Hubbard's burn probability — fire likelihood with no building count factored in — sits at the 68th percentile nationally.
What "at risk" means for the buildings here
Most of Hubbard's buildings (94% of 116) 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.
Hubbard against the rest of the country
Hubbard's risk sits at a similar level relative to Nebraska (75th percentile statewide) as it does nationally (74th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Hubbard ranks 8,327 for wildfire risk (1 is highest) and 28,370 by building count (1 is largest). Within Nebraska alone, it ranks 149 of 583 places by risk. See the full county-by-county picture for Nebraska on its state page.
Hubbard and the insurance market
Hubbard's high rating (74th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Hardening a home in Hubbard
Even with 94% of Hubbard 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 116 counted buildings into the percentiles shown above for Hubbard. For more on what minimal exposure implies beyond Hubbard, see the exposure-zones guide.