Hallam, NE
Hallam wildfire risk explained
Hallam sits at the 60th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 153 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Hallam at the 51st percentile, close to its 60th-percentile risk score.
Where Hallam's buildings actually sit
USFS classifies 85.6% of Hallam's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 14.4% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
How Hallam compares
Hallam's risk sits at a similar level relative to Nebraska (50th percentile statewide) as it does nationally (60th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Hallam ranks 12,679 for wildfire risk (1 is highest) and 26,763 by building count (1 is largest). Within Nebraska alone, it ranks 291 of 583 places by risk. See the full county-by-county picture for Nebraska on its state page.
Hallam and the insurance market
Hallam's elevated rating (60th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Hallam's 85.6% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Hallam's figures come from
Hallam's 60th-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 Hallam's dominant minimal exposure actually means, with real examples from across the dataset.