Humphrey, NE
How exposed is Humphrey to wildfire?
Humphrey sits at the 32nd percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 497 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Humphrey's burn probability — fire likelihood with no building count factored in — sits at the 25th percentile nationally.
What "at risk" means for the buildings here
Most of Humphrey's buildings (93.8% of 497) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
How Humphrey compares
There's little gap between Humphrey's 32nd national percentile and its 17th percentile inside Nebraska, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Humphrey ranks 21,588 for wildfire risk (1 is highest) and 17,408 by building count (1 is largest). Within Nebraska alone, it ranks 486 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
Humphrey's moderate rating (32nd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Humphrey
With 93.8% of buildings rated Minimal exposure, Humphrey gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Humphrey's figures come from
Humphrey's 32nd-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 Humphrey's dominant minimal exposure actually means, with real examples from across the dataset.