Bellwood, NE
Bellwood, NE's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Bellwood lands at the 5th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 308 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Bellwood at the 5th percentile, close to its 5th-percentile risk score.
What "at risk" means for the buildings here
USFS classifies 92.9% of Bellwood's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 7.1% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Bellwood against the rest of the country
Bellwood scores 5th nationally and 3rd 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, Bellwood ranks 29,854 for wildfire risk (1 is highest) and 21,422 by building count (1 is largest). Within Nebraska alone, it ranks 568 of 583 places by risk. See the full county-by-county picture for Nebraska on its state page.
Bellwood and the insurance market
Bellwood's low wildfire rating (5th 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.
What would actually reduce this score
With 92.9% of buildings rated Minimal exposure, Bellwood gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
The methodology guide shows exactly how USFS turned 308 counted buildings into the percentiles shown above for Bellwood. For more on what minimal exposure implies beyond Bellwood, see the exposure-zones guide.