Steinauer, NE
How exposed is Steinauer to wildfire?
Steinauer's 71 buildings earn a 94th-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Steinauer at the 90th percentile, close to its 94th-percentile risk score.
What "at risk" means for the buildings here
USFS puts 57.8% of Steinauer's 71 buildings in the Indirect exposure zone, versus 42.3% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Steinauer against the rest of the country
Steinauer's risk sits at a similar level relative to Nebraska (100th percentile statewide) as it does nationally (94th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Steinauer ranks 2,016 for wildfire risk (1 is highest) and 30,251 by building count (1 is largest). Within Nebraska alone, it ranks 3 of 583 places by risk. See the full county-by-county picture for Nebraska on its state page.
Steinauer and the insurance market
At the 94th percentile nationally, Steinauer carries the very 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
Steinauer's 57.8% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Steinauer's figures come from
The methodology guide shows exactly how USFS turned 71 counted buildings into the percentiles shown above for Steinauer. The exposure-zones guide covers what Steinauer's dominant indirect exposure actually means, with real examples from across the dataset.