Farnam, NE
Farnam, NE's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Farnam at the 47th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 195 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Farnam at the 44th national percentile — 3 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Farnam's buildings actually sit
USFS puts 76.9% of Farnam's 195 buildings in the Indirect exposure zone, versus 23.1% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Farnam ranks
Farnam's risk sits at a similar level relative to Nebraska (32nd percentile statewide) as it does nationally (47th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Farnam ranks 16,832 for wildfire risk (1 is highest) and 25,037 by building count (1 is largest). Within Nebraska alone, it ranks 397 of 583 places by risk. See the full county-by-county picture for Nebraska on its state page.
Shopping for coverage in Farnam
At the 47th national percentile, Farnam rates elevated 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
Farnam's 76.9% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Farnam's figures come from
The methodology guide shows exactly how USFS turned 195 counted buildings into the percentiles shown above for Farnam. The exposure-zones guide covers what Farnam's dominant indirect exposure actually means, with real examples from across the dataset.