Silver Creek, NE
Silver Creek wildfire risk explained
Out of every US place USFS scores, Silver Creek lands at the 69th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 299 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Silver Creek at the 63rd national percentile — 5 points below its risk-to-structures score, a gap driven by how much is actually built there.
Silver Creek's building exposure, zone by zone
299 buildings are counted in Silver Creek, and 93% of them are Indirect exposure — ember-driven risk rather than the 7% in Direct exposure or the 0% rated Minimal.
Silver Creek against the rest of the country
There's little gap between Silver Creek's 69th national percentile and its 66th percentile inside Nebraska, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Silver Creek ranks 9,867 for wildfire risk (1 is highest) and 21,657 by building count (1 is largest). Within Nebraska alone, it ranks 198 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
Silver Creek's high rating (69th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Silver Creek (93% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Silver Creek's figures come from
The methodology guide shows exactly how USFS turned 299 counted buildings into the percentiles shown above for Silver Creek. The exposure-zones guide covers what Silver Creek's dominant indirect exposure actually means, with real examples from across the dataset.