Tarnov, NE
Tarnov, NE's wildfire risk, in USFS's own numbers
USFS scores Tarnov at the 21st national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 50 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Tarnov at the 12th national percentile — 8 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Most of Tarnov's buildings (96% of 50) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
How Tarnov compares
Tarnov's risk sits at a similar level relative to Nebraska (10th percentile statewide) as it does nationally (21st) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Tarnov ranks 25,064 for wildfire risk (1 is highest) and 30,936 by building count (1 is largest). Within Nebraska alone, it ranks 523 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
Tarnov's moderate rating (21st percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Tarnov
With 96% of buildings rated Minimal exposure, Tarnov gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Tarnov's figures come from
The methodology guide shows exactly how USFS turned 50 counted buildings into the percentiles shown above for Tarnov. The exposure-zones guide covers what Tarnov's dominant minimal exposure actually means, with real examples from across the dataset.