Kramer, NE
Kramer, NE's wildfire risk, in USFS's own numbers
Kramer sits at the 67th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 61 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 Kramer at the 62nd percentile, close to its 67th-percentile risk score.
What "at risk" means for the buildings here
Direct exposure dominates in Kramer: 50.8% of its 61 buildings, versus 0% Indirect and 49.2% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Kramer against the rest of the country
There's little gap between Kramer's 67th national percentile and its 63rd percentile inside Nebraska, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Kramer ranks 10,374 for wildfire risk (1 is highest) and 30,632 by building count (1 is largest). Within Nebraska alone, it ranks 215 of 583 places by risk. See the full county-by-county picture for Nebraska on its state page.
Kramer and the insurance market
Kramer's 67th-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
Kramer's 50.8% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
The methodology guide shows exactly how USFS turned 61 counted buildings into the percentiles shown above for Kramer. For more on what direct exposure implies beyond Kramer, see the exposure-zones guide.