Herman, NE
Herman wildfire risk explained
Out of every US place USFS scores, Herman lands at the 60th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 184 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Herman at the 54th national percentile — 7 points below its risk-to-structures score, a gap driven by how much is actually built there.
Herman's building exposure, zone by zone
81% of Herman's 184 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 9.8% Direct and 9.2% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Herman against the rest of the country
Herman's risk sits at a similar level relative to Nebraska (52nd 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, Herman ranks 12,517 for wildfire risk (1 is highest) and 25,472 by building count (1 is largest). Within Nebraska alone, it ranks 282 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
Herman's high rating (60th 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
Because 81% of Herman'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
Herman's 60th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Herman, see the exposure-zones guide.