Humboldt, NE
Humboldt, NE's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Humboldt lands at the 80th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 665 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Humboldt's burn probability — fire likelihood with no building count factored in — sits at the 80th percentile nationally.
What "at risk" means for the buildings here
87.7% of Humboldt's 665 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 12.2% Direct and 0.2% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Where Humboldt ranks
Humboldt's risk sits at a similar level relative to Nebraska (86th percentile statewide) as it does nationally (80th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Humboldt ranks 6,242 for wildfire risk (1 is highest) and 15,011 by building count (1 is largest). Within Nebraska alone, it ranks 81 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
Humboldt's very high rating (80th 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.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Humboldt (87.7% 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
Every one of the two percentiles behind Humboldt's 6,242-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Humboldt, see the exposure-zones guide.