Overland, NE
How exposed is Overland to wildfire?
USFS scores Overland at the 50th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 202 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Overland at the 47th percentile, close to its 50th-percentile risk score.
What "at risk" means for the buildings here
Direct exposure dominates in Overland: 51.5% of its 202 buildings, versus 7.9% Indirect and 40.6% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Overland compares
There's little gap between Overland's 50th national percentile and its 37th percentile inside Nebraska, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Overland ranks 15,698 for wildfire risk (1 is highest) and 24,773 by building count (1 is largest). Within Nebraska alone, it ranks 366 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
At the 50th national percentile, Overland rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
With 51.5% of Overland in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Overland's figures come from
Overland's 50th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Overland's dominant direct exposure actually means, with real examples from across the dataset.