St. Edward, NE
How exposed is St. Edward to wildfire?
Out of every US place USFS scores, St. Edward lands at the 26th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 529 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks St. Edward at the 21st national percentile — 5 points below its risk-to-structures score, a gap driven by how much is actually built there.
St. Edward's building exposure, zone by zone
St. Edward rates 88.5% Minimal exposure against just 11.5% Direct and 0% Indirect — of 529 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
St. Edward against the rest of the country
There's little gap between St. Edward's 26th national percentile and its 13th percentile inside Nebraska, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, St. Edward ranks 23,489 for wildfire risk (1 is highest) and 16,881 by building count (1 is largest). Within Nebraska alone, it ranks 505 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
St. Edward's moderate wildfire rating (26th 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 St. Edward
Even with 88.5% of St. Edward 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 St. Edward's figures come from
The methodology guide shows exactly how USFS turned 529 counted buildings into the percentiles shown above for St. Edward. The exposure-zones guide covers what St. Edward's dominant minimal exposure actually means, with real examples from across the dataset.