Sumner, NE
How exposed is Sumner to wildfire?
USFS's Wildfire Risk to Communities model puts Sumner at the 87th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 212 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Sumner at the 81st percentile, close to its 87th-percentile risk score.
What "at risk" means for the buildings here
75% of Sumner's 212 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 25% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
How Sumner compares
There's little gap between Sumner's 87th national percentile and its 94th percentile inside Nebraska, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Sumner ranks 4,196 for wildfire risk (1 is highest) and 24,405 by building count (1 is largest). Within Nebraska alone, it ranks 34 of 583 places by risk. See the full county-by-county picture for Nebraska on its state page.
Shopping for coverage in Sumner
Sumner's very high rating (87th 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.
Hardening a home in Sumner
With ember exposure the dominant pattern in Sumner (75% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Sumner's figures come from
The methodology guide shows exactly how USFS turned 212 counted buildings into the percentiles shown above for Sumner. The exposure-zones guide covers what Sumner's dominant indirect exposure actually means, with real examples from across the dataset.