Inavale, NE
How exposed is Inavale to wildfire?
USFS's Wildfire Risk to Communities model puts Inavale at the 61st national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 100 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Inavale at the 57th national percentile — 4 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Inavale's buildings actually sit
Inavale rates 50% Minimal exposure against just 28% Direct and 22% Indirect — of 100 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Inavale against the rest of the country
There's little gap between Inavale's 61st national percentile and its 53rd percentile inside Nebraska, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Inavale ranks 12,268 for wildfire risk (1 is highest) and 29,040 by building count (1 is largest). Within Nebraska alone, it ranks 275 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
Inavale's high rating (61st 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
Even with 50% of Inavale 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 Inavale's figures come from
Inavale's 61st-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 Inavale's dominant minimal exposure actually means, with real examples from across the dataset.