Shubert, NE
How exposed is Shubert to wildfire?
Shubert's 180 buildings earn a 43rd-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, Shubert's burn probability — fire likelihood with no building count factored in — sits at the 44th percentile nationally.
What "at risk" means for the buildings here
78.9% of Shubert's 180 buildings sit in USFS's Minimal exposure zone, with only 21.1% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
How Shubert compares
Shubert ranks lower within Nebraska (28th percentile statewide) than its 43rd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Shubert ranks 17,842 for wildfire risk (1 is highest) and 25,635 by building count (1 is largest). Within Nebraska alone, it ranks 422 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
Shubert's elevated wildfire rating (43rd 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.
Lowering exposure, not just insuring around it
With 78.9% of buildings rated Minimal exposure, Shubert gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
The methodology guide shows exactly how USFS turned 180 counted buildings into the percentiles shown above for Shubert. For more on what minimal exposure implies beyond Shubert, see the exposure-zones guide.