Obert, NE
How exposed is Obert to wildfire?
Obert sits at the 87th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 32 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Obert's burn probability — fire likelihood with no building count factored in — sits at the 82nd percentile nationally.
Where Obert's buildings actually sit
Indirect exposure is dominant in Obert (53.1% of 32 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 46.9% sit in the Direct zone.
How Obert compares
Obert scores 87th nationally and 95th 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, Obert ranks 4,134 for wildfire risk (1 is highest) and 31,329 by building count (1 is largest). Within Nebraska alone, it ranks 33 of 583 places by risk. See the full county-by-county picture for Nebraska on its state page.
Obert and the insurance market
At the 87th percentile nationally, Obert carries the very 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.
Hardening a home in Obert
Obert's 53.1% 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 Obert's figures come from
The methodology guide shows exactly how USFS turned 32 counted buildings into the percentiles shown above for Obert. The exposure-zones guide covers what Obert's dominant indirect exposure actually means, with real examples from across the dataset.