Scotia, NE
How exposed is Scotia to wildfire?
USFS's Wildfire Risk to Communities model puts Scotia at the 68th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 263 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Scotia at the 60th percentile, close to its 68th-percentile risk score.
Where Scotia's buildings actually sit
USFS puts 87.1% of Scotia's 263 buildings in the Indirect exposure zone, versus 12.9% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
How Scotia compares
Scotia's risk sits at a similar level relative to Nebraska (65th percentile statewide) as it does nationally (68th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Scotia ranks 10,219 for wildfire risk (1 is highest) and 22,741 by building count (1 is largest). Within Nebraska alone, it ranks 207 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 68th percentile nationally, Scotia carries the 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.
What would actually reduce this score
Because 87.1% of Scotia's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Scotia's figures come from
Scotia's 68th-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 Scotia's dominant indirect exposure actually means, with real examples from across the dataset.