Fort Calhoun, NE
Fort Calhoun, NE's wildfire risk, in USFS's own numbers
Fort Calhoun's 574 buildings earn a 83rd-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band 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 Fort Calhoun at the 79th percentile, close to its 83rd-percentile risk score.
Where Fort Calhoun's buildings actually sit
574 buildings are counted in Fort Calhoun, and 65.2% of them are Indirect exposure — ember-driven risk rather than the 34.8% in Direct exposure or the 0% rated Minimal.
Fort Calhoun against the rest of the country
There's little gap between Fort Calhoun's 83rd national percentile and its 91st percentile inside Nebraska, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Fort Calhoun ranks 5,329 for wildfire risk (1 is highest) and 16,186 by building count (1 is largest). Within Nebraska alone, it ranks 53 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
Fort Calhoun's 83rd-percentile, very 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.
What would actually reduce this score
Because 65.2% of Fort Calhoun'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
Every one of the two percentiles behind Fort Calhoun's 5,329-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Fort Calhoun, see the exposure-zones guide.