Tobias, NE
How exposed is Tobias to wildfire?
Tobias's 159 buildings earn a 45th-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Tobias at the 38th percentile, close to its 45th-percentile risk score.
What "at risk" means for the buildings here
Most of Tobias's buildings (69.2% of 159) 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 Tobias compares
Tobias scores 45th nationally and 31st 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, Tobias ranks 17,240 for wildfire risk (1 is highest) and 26,486 by building count (1 is largest). Within Nebraska alone, it ranks 406 of 583 places by risk. See the full county-by-county picture for Nebraska on its state page.
Shopping for coverage in Tobias
At the 45th national percentile, Tobias 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
Tobias's 69.2% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
Tobias's 45th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Tobias, see the exposure-zones guide.