Beemer, NE
Beemer wildfire risk explained
USFS scores Beemer at the 76th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 439 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Beemer at the 70th national percentile — 6 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Beemer's buildings actually sit
95.9% of Beemer's 439 buildings sit in USFS's Minimal exposure zone, with only 4.1% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Where Beemer ranks
Beemer scores 76th nationally and 80th 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, Beemer ranks 7,569 for wildfire risk (1 is highest) and 18,483 by building count (1 is largest). Within Nebraska alone, it ranks 120 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
At the 76th percentile nationally, Beemer 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
Beemer's 95.9% 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.
Where Beemer's figures come from
Beemer's 76th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Beemer's dominant minimal exposure actually means, with real examples from across the dataset.