Wood River, NE
How exposed is Wood River to wildfire?
USFS's Wildfire Risk to Communities model puts Wood River at the 3rd national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 756 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Wood River at the 3rd national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Wood River's building exposure, zone by zone
Wood River rates 97.5% Minimal exposure against just 2.5% Direct and 0% Indirect — of 756 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Wood River ranks
Wood River's risk sits at a similar level relative to Nebraska (0th percentile statewide) as it does nationally (3rd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Wood River ranks 30,584 for wildfire risk (1 is highest) and 14,051 by building count (1 is largest). Within Nebraska alone, it ranks 583 of 583 places by risk. See the full county-by-county picture for Nebraska on its state page.
Shopping for coverage in Wood River
Wood River's low wildfire rating (3rd percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
Even with 97.5% of Wood River 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
Wood River's 3rd-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 Wood River, see the exposure-zones guide.