Chappell, NE
Chappell, NE's wildfire risk, in USFS's own numbers
Chappell sits at the 72nd percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 742 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Chappell's burn probability — fire likelihood with no building count factored in — sits at the 71st percentile nationally.
What "at risk" means for the buildings here
742 buildings are counted in Chappell, and 94.6% of them are Indirect exposure — ember-driven risk rather than the 5.4% in Direct exposure or the 0% rated Minimal.
How Chappell compares
Chappell's risk sits at a similar level relative to Nebraska (73rd percentile statewide) as it does nationally (72nd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Chappell ranks 8,770 for wildfire risk (1 is highest) and 14,206 by building count (1 is largest). Within Nebraska alone, it ranks 157 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 72nd percentile nationally, Chappell 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.
What would actually reduce this score
With ember exposure the dominant pattern in Chappell (94.6% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Chappell's figures come from
Every one of the two percentiles behind Chappell's 8,770-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Chappell's dominant indirect exposure actually means, with real examples from across the dataset.