Westerville, NE
How exposed is Westerville to wildfire?
Westerville sits at the 75th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 41 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Westerville's burn probability — fire likelihood with no building count factored in — sits at the 66th percentile nationally.
What "at risk" means for the buildings here
Direct exposure dominates in Westerville: 75.6% of its 41 buildings, versus 24.4% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Westerville ranks
There's little gap between Westerville's 75th national percentile and its 78th percentile inside Nebraska, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Westerville ranks 7,759 for wildfire risk (1 is highest) and 31,146 by building count (1 is largest). Within Nebraska alone, it ranks 127 of 583 places by risk. See the full county-by-county picture for Nebraska on its state page.
Westerville and the insurance market
Westerville's high rating (75th 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.
Lowering exposure, not just insuring around it
Westerville's 75.6% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Westerville's figures come from
Every one of the two percentiles behind Westerville's 7,759-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Westerville's dominant direct exposure actually means, with real examples from across the dataset.