Elmwood, NE
How exposed is Elmwood to wildfire?
Out of every US place USFS scores, Elmwood lands at the 42nd percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 437 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Elmwood's burn probability — fire likelihood with no building count factored in — sits at the 38th percentile nationally.
Where Elmwood's buildings actually sit
USFS classifies 88.1% of Elmwood's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 11.9% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
How Elmwood compares
Inside Nebraska, Elmwood sits at just the 26th percentile even though it scores 42nd nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Elmwood ranks 18,341 for wildfire risk (1 is highest) and 18,519 by building count (1 is largest). Within Nebraska alone, it ranks 434 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
Elmwood's elevated wildfire rating (42nd 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.
What would actually reduce this score
With 88.1% of buildings rated Minimal exposure, Elmwood gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Elmwood's figures come from
Every one of the two percentiles behind Elmwood's 18,341-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Elmwood's dominant minimal exposure actually means, with real examples from across the dataset.