Holdrege, NE
Holdrege wildfire risk explained
USFS scores Holdrege at the 12th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 3,460 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Holdrege at the 9th national percentile — 3 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
96.6% of Holdrege's 3,460 buildings sit in USFS's Minimal exposure zone, with only 3.4% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
How Holdrege compares
Holdrege's risk sits at a similar level relative to Nebraska (5th percentile statewide) as it does nationally (12th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Holdrege ranks 27,742 for wildfire risk (1 is highest) and 4,830 by building count (1 is largest). Within Nebraska alone, it ranks 553 of 583 places by risk. See the full county-by-county picture for Nebraska on its state page.
Holdrege and the insurance market
Holdrege's low wildfire rating (12th 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
With 96.6% of buildings rated Minimal exposure, Holdrege gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Every one of the two percentiles behind Holdrege's 27,742-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Holdrege, see the exposure-zones guide.