Winnetoon, NE
How exposed is Winnetoon to wildfire?
Winnetoon sits at the 65th 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 94 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Winnetoon at the 55th percentile, close to its 65th-percentile risk score.
Winnetoon's building exposure, zone by zone
78.7% of Winnetoon's 94 buildings sit in USFS's Minimal exposure zone, with only 21.3% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Where Winnetoon ranks
Winnetoon's risk sits at a similar level relative to Nebraska (57th percentile statewide) as it does nationally (65th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Winnetoon ranks 11,194 for wildfire risk (1 is highest) and 29,324 by building count (1 is largest). Within Nebraska alone, it ranks 252 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
Winnetoon's 65th-percentile, 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.
Lowering exposure, not just insuring around it
Even with 78.7% of Winnetoon outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 94 counted buildings into the percentiles shown above for Winnetoon. For more on what minimal exposure implies beyond Winnetoon, see the exposure-zones guide.