Nebraska City, NE
How exposed is Nebraska City to wildfire?
USFS's Wildfire Risk to Communities model puts Nebraska City at the 72nd national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 3,835 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Nebraska City at the 70th national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Nebraska City's buildings actually sit
65.4% of Nebraska City's 3,835 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 10.3% Direct and 24.3% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
How Nebraska City compares
There's little gap between Nebraska City's 72nd national percentile and its 72nd percentile inside Nebraska, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Nebraska City ranks 8,922 for wildfire risk (1 is highest) and 4,392 by building count (1 is largest). Within Nebraska alone, it ranks 165 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
Nebraska City's 72nd-percentile, 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
Because 65.4% of Nebraska City's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Nebraska City's 8,922-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Nebraska City, see the exposure-zones guide.