Fairmont, NE
How exposed is Fairmont to wildfire?
Out of every US place USFS scores, Fairmont lands at the 15th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 437 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Fairmont at the 12th national percentile — 3 points below its risk-to-structures score, a gap driven by how much is actually built there.
Fairmont's building exposure, zone by zone
Fairmont rates 92% Minimal exposure against just 8% Direct and 0% Indirect — of 437 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Fairmont against the rest of the country
There's little gap between Fairmont's 15th national percentile and its 7th percentile inside Nebraska, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Fairmont ranks 26,918 for wildfire risk (1 is highest) and 18,520 by building count (1 is largest). Within Nebraska alone, it ranks 544 of 583 places by risk. See the full county-by-county picture for Nebraska on its state page.
Fairmont and the insurance market
At the 15th national percentile, Fairmont rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
With 92% of buildings rated Minimal exposure, Fairmont gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Fairmont's figures come from
Fairmont's 15th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Fairmont's dominant minimal exposure actually means, with real examples from across the dataset.