Belvidere, NE
Belvidere, NE's wildfire risk, in USFS's own numbers
Belvidere sits at the 46th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 92 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Belvidere's burn probability — fire likelihood with no building count factored in — sits at the 39th percentile nationally.
What "at risk" means for the buildings here
Most of Belvidere's buildings (58.7% of 92) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Belvidere against the rest of the country
There's little gap between Belvidere's 46th national percentile and its 31st percentile inside Nebraska, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Belvidere ranks 17,052 for wildfire risk (1 is highest) and 29,412 by building count (1 is largest). Within Nebraska alone, it ranks 402 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
Belvidere's elevated wildfire rating (46th 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 58.7% of Belvidere 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.
Where Belvidere's figures come from
The methodology guide shows exactly how USFS turned 92 counted buildings into the percentiles shown above for Belvidere. The exposure-zones guide covers what Belvidere's dominant minimal exposure actually means, with real examples from across the dataset.