Elgin, NE
Elgin wildfire risk explained
Elgin's 616 buildings earn a 4th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Elgin at the 3rd percentile, close to its 4th-percentile risk score.
Elgin's building exposure, zone by zone
89.1% of Elgin's 616 buildings sit in USFS's Minimal exposure zone, with only 10.9% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Elgin against the rest of the country
Elgin scores 4th nationally and 1st 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, Elgin ranks 30,232 for wildfire risk (1 is highest) and 15,621 by building count (1 is largest). Within Nebraska alone, it ranks 579 of 583 places by risk. See the full county-by-county picture for Nebraska on its state page.
Shopping for coverage in Elgin
Elgin's low wildfire rating (4th 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
Elgin's 89.1% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Elgin's figures come from
Every one of the two percentiles behind Elgin's 30,232-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Elgin's dominant minimal exposure actually means, with real examples from across the dataset.