Coleridge, NE
Coleridge wildfire risk explained
USFS's Wildfire Risk to Communities model puts Coleridge at the 20th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 359 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Coleridge at the 13th percentile, close to its 20th-percentile risk score.
What "at risk" means for the buildings here
83.6% of Coleridge's 359 buildings sit in USFS's Minimal exposure zone, with only 16.4% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Coleridge against the rest of the country
There's little gap between Coleridge's 20th national percentile and its 10th percentile inside Nebraska, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Coleridge ranks 25,156 for wildfire risk (1 is highest) and 20,091 by building count (1 is largest). Within Nebraska alone, it ranks 525 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
Coleridge's moderate rating (20th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Even with 83.6% of Coleridge 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.
More on how this number was built
Every one of the two percentiles behind Coleridge's 25,156-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Coleridge, see the exposure-zones guide.