Cotesfield, NE
Cotesfield wildfire risk explained
Cotesfield's 65 buildings earn a 71st-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Cotesfield at the 64th national percentile — 7 points below its risk-to-structures score, a gap driven by how much is actually built there.
Cotesfield's building exposure, zone by zone
65 buildings are counted in Cotesfield, and 75.4% of them are Indirect exposure — ember-driven risk rather than the 16.9% in Direct exposure or the 7.7% rated Minimal.
Where Cotesfield ranks
There's little gap between Cotesfield's 71st national percentile and its 72nd percentile inside Nebraska, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Cotesfield ranks 9,018 for wildfire risk (1 is highest) and 30,464 by building count (1 is largest). Within Nebraska alone, it ranks 166 of 583 places by risk. See the full county-by-county picture for Nebraska on its state page.
Shopping for coverage in Cotesfield
Cotesfield's 71st-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
Because 75.4% of Cotesfield's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 65 counted buildings into the percentiles shown above for Cotesfield. For more on what indirect exposure implies beyond Cotesfield, see the exposure-zones guide.