North Loup, NE
North Loup, NE's wildfire risk, in USFS's own numbers
North Loup's 296 buildings earn a 60th-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, North Loup's burn probability — fire likelihood with no building count factored in — sits at the 52nd percentile nationally.
North Loup's building exposure, zone by zone
USFS puts 90.2% of North Loup's 296 buildings in the Indirect exposure zone, versus 8.5% Direct and 1.4% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
How North Loup compares
North Loup scores 60th nationally and 52nd 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, North Loup ranks 12,518 for wildfire risk (1 is highest) and 21,734 by building count (1 is largest). Within Nebraska alone, it ranks 283 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
North Loup's 60th-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.
Hardening a home in North Loup
With ember exposure the dominant pattern in North Loup (90.2% 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
The methodology guide shows exactly how USFS turned 296 counted buildings into the percentiles shown above for North Loup. For more on what indirect exposure implies beyond North Loup, see the exposure-zones guide.