Stuart, NE
Stuart wildfire risk explained
USFS scores Stuart at the 60th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 525 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Stuart's burn probability — fire likelihood with no building count factored in — sits at the 56th percentile nationally.
What "at risk" means for the buildings here
71.6% of Stuart's 525 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 28.4% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Where Stuart ranks
Stuart scores 60th nationally and 51st within Nebraska — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Stuart ranks 12,642 for wildfire risk (1 is highest) and 16,943 by building count (1 is largest). Within Nebraska alone, it ranks 289 of 583 places by risk. See the full county-by-county picture for Nebraska on its state page.
Stuart and the insurance market
At the 60th national percentile, Stuart rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Because 71.6% of Stuart'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.
More on how this number was built
Stuart's 60th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Stuart, see the exposure-zones guide.