Harrison, NE
Harrison, NE's wildfire risk, in USFS's own numbers
Harrison's 330 buildings earn a 92nd-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.)
Separately from the risk score above, Harrison's burn probability — fire likelihood with no building count factored in — sits at the 90th percentile nationally.
Where Harrison's buildings actually sit
USFS puts 84.9% of Harrison's 330 buildings in the Indirect exposure zone, versus 15.2% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Harrison against the rest of the country
Harrison's risk sits at a similar level relative to Nebraska (99th percentile statewide) as it does nationally (92nd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Harrison ranks 2,584 for wildfire risk (1 is highest) and 20,825 by building count (1 is largest). Within Nebraska alone, it ranks 8 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
Harrison's very high rating (92nd percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
What would actually reduce this score
Harrison's 84.9% 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 Harrison's figures come from
The methodology guide shows exactly how USFS turned 330 counted buildings into the percentiles shown above for Harrison. The exposure-zones guide covers what Harrison's dominant indirect exposure actually means, with real examples from across the dataset.