Orchard, NE
Orchard, NE's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Orchard at the 34th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 348 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Orchard's burn probability — fire likelihood with no building count factored in — sits at the 27th percentile nationally.
Where Orchard's buildings actually sit
USFS classifies 87.4% of Orchard's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 12.6% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Orchard against the rest of the country
Orchard ranks lower within Nebraska (19th percentile statewide) than its 34th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Orchard ranks 20,709 for wildfire risk (1 is highest) and 20,369 by building count (1 is largest). Within Nebraska alone, it ranks 474 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
Orchard's moderate rating (34th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
With 87.4% of buildings rated Minimal exposure, Orchard gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Orchard's figures come from
Every one of the two percentiles behind Orchard's 20,709-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Orchard's dominant minimal exposure actually means, with real examples from across the dataset.