Utica, NE
How exposed is Utica to wildfire?
Utica sits at the 28th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 531 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Utica's burn probability — fire likelihood with no building count factored in — sits at the 21st percentile nationally.
Utica's building exposure, zone by zone
Utica rates 96.1% Minimal exposure against just 4% Direct and 0% Indirect — of 531 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Utica compares
Utica's risk sits at a similar level relative to Nebraska (14th percentile statewide) as it does nationally (28th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Utica ranks 22,568 for wildfire risk (1 is highest) and 16,850 by building count (1 is largest). Within Nebraska alone, it ranks 500 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
At the 28th national percentile, Utica rates moderate 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
Utica's 96.1% 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
Utica's 28th-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 Utica, see the exposure-zones guide.