Franklin, NE
How exposed is Franklin to wildfire?
Franklin's 804 buildings earn a 58th-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Franklin at the 56th percentile, close to its 58th-percentile risk score.
What "at risk" means for the buildings here
93.3% of Franklin's 804 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 6.7% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Where Franklin ranks
Franklin's risk sits at a similar level relative to Nebraska (46th percentile statewide) as it does nationally (58th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Franklin ranks 13,182 for wildfire risk (1 is highest) and 13,600 by building count (1 is largest). Within Nebraska alone, it ranks 313 of 583 places by risk. See the full county-by-county picture for Nebraska on its state page.
Franklin and the insurance market
Franklin's elevated wildfire rating (58th 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
Franklin's 93.3% 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 804 counted buildings into the percentiles shown above for Franklin. For more on what indirect exposure implies beyond Franklin, see the exposure-zones guide.