Otoe, NE
Otoe wildfire risk explained
Otoe's 146 buildings earn a 52nd-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Otoe's burn probability — fire likelihood with no building count factored in — sits at the 47th percentile nationally.
Otoe's building exposure, zone by zone
Otoe rates 71.2% Minimal exposure against just 28.8% Direct and 0% Indirect — of 146 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Otoe ranks
Otoe's risk sits at a similar level relative to Nebraska (39th percentile statewide) as it does nationally (52nd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Otoe ranks 15,161 for wildfire risk (1 is highest) and 27,033 by building count (1 is largest). Within Nebraska alone, it ranks 358 of 583 places by risk. See the full county-by-county picture for Nebraska on its state page.
Otoe and the insurance market
Otoe's elevated wildfire rating (52nd percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Hardening a home in Otoe
Even with 71.2% of Otoe outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Otoe's figures come from
Every one of the two percentiles behind Otoe's 15,161-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Otoe's dominant minimal exposure actually means, with real examples from across the dataset.