Naper, NE
Naper, NE's wildfire risk, in USFS's own numbers
USFS scores Naper at the 65th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 125 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Naper at the 59th percentile, close to its 65th-percentile risk score.
Where Naper's buildings actually sit
USFS puts 72.8% of Naper's 125 buildings in the Indirect exposure zone, versus 27.2% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
How Naper compares
There's little gap between Naper's 65th national percentile and its 58th percentile inside Nebraska, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Naper ranks 11,064 for wildfire risk (1 is highest) and 27,952 by building count (1 is largest). Within Nebraska alone, it ranks 246 of 583 places by risk. See the full county-by-county picture for Nebraska on its state page.
Naper and the insurance market
At the 65th percentile nationally, Naper carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Lowering exposure, not just insuring around it
Naper's 72.8% 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.
More on how this number was built
Naper's 65th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Naper, see the exposure-zones guide.