Adams, NE
Adams wildfire risk explained
Adams's 369 buildings earn a 67th-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Adams at the 62nd national percentile — 6 points below its risk-to-structures score, a gap driven by how much is actually built there.
Adams's building exposure, zone by zone
Adams rates 77.2% Minimal exposure against just 22.8% Direct and 0% Indirect — of 369 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Adams ranks
There's little gap between Adams's 67th national percentile and its 64th percentile inside Nebraska, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Adams ranks 10,276 for wildfire risk (1 is highest) and 19,888 by building count (1 is largest). Within Nebraska alone, it ranks 208 of 583 places by risk. See the full county-by-county picture for Nebraska on its state page.
Adams and the insurance market
At the 67th percentile nationally, Adams carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Lowering exposure, not just insuring around it
Even with 77.2% of Adams 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
Adams's 67th-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 Adams, see the exposure-zones guide.