Winnebago, NE
How exposed is Winnebago to wildfire?
USFS scores Winnebago at the 91st national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 266 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Winnebago at the 90th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Winnebago's buildings actually sit
Most of Winnebago's buildings (80.1% of 266) 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.
Where Winnebago ranks
There's little gap between Winnebago's 91st national percentile and its 99th percentile inside Nebraska, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Winnebago ranks 2,775 for wildfire risk (1 is highest) and 22,636 by building count (1 is largest). Within Nebraska alone, it ranks 10 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
Winnebago's 91st-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Hardening a home in Winnebago
Winnebago's 80.1% 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
Winnebago's 91st-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 Winnebago, see the exposure-zones guide.