Lynch, NE
Lynch wildfire risk explained
USFS's Wildfire Risk to Communities model puts Lynch at the 81st national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 281 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Lynch at the 78th percentile, close to its 81st-percentile risk score.
Lynch's building exposure, zone by zone
60.9% of Lynch's 281 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 39.2% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Where Lynch ranks
Lynch scores 81st nationally and 88th within Nebraska — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Lynch ranks 6,019 for wildfire risk (1 is highest) and 22,155 by building count (1 is largest). Within Nebraska alone, it ranks 73 of 583 places by risk. See the full county-by-county picture for Nebraska on its state page.
Shopping for coverage in Lynch
Lynch's 81st-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
Lynch's 60.9% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Lynch's figures come from
The methodology guide shows exactly how USFS turned 281 counted buildings into the percentiles shown above for Lynch. The exposure-zones guide covers what Lynch's dominant indirect exposure actually means, with real examples from across the dataset.