Allen, NE
How exposed is Allen to wildfire?
Allen's 293 buildings earn a 57th-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Allen at the 50th percentile, close to its 57th-percentile risk score.
Allen's building exposure, zone by zone
Allen rates 89.1% Minimal exposure against just 10.9% Direct and 0% Indirect — of 293 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Allen compares
Allen scores 57th nationally and 46th within Nebraska — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Allen ranks 13,427 for wildfire risk (1 is highest) and 21,825 by building count (1 is largest). Within Nebraska alone, it ranks 316 of 583 places by risk. See the full county-by-county picture for Nebraska on its state page.
Allen and the insurance market
Allen's elevated wildfire rating (57th 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
With 89.1% of buildings rated Minimal exposure, Allen gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Allen's figures come from
Every one of the two percentiles behind Allen's 13,427-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Allen's dominant minimal exposure actually means, with real examples from across the dataset.