Chapman, NE
How exposed is Chapman to wildfire?
Out of every US place USFS scores, Chapman lands at the 17th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 235 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Chapman at the 13th national percentile — 3 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Chapman rates 89.8% Minimal exposure against just 10.2% Direct and 0% Indirect — of 235 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Chapman compares
Chapman scores 17th nationally and 8th 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, Chapman ranks 26,318 for wildfire risk (1 is highest) and 23,633 by building count (1 is largest). Within Nebraska alone, it ranks 538 of 583 places by risk. See the full county-by-county picture for Nebraska on its state page.
Chapman and the insurance market
Chapman's low rating (17th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Chapman
Even with 89.8% of Chapman 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 Chapman's figures come from
The methodology guide shows exactly how USFS turned 235 counted buildings into the percentiles shown above for Chapman. The exposure-zones guide covers what Chapman's dominant minimal exposure actually means, with real examples from across the dataset.