Lamar, NE
How exposed is Lamar to wildfire?
USFS's Wildfire Risk to Communities model puts Lamar at the 4th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 45 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Lamar's burn probability — fire likelihood with no building count factored in — sits at the 3rd percentile nationally.
Lamar's building exposure, zone by zone
Lamar rates 62.2% Minimal exposure against just 37.8% Direct and 0% Indirect — of 45 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Lamar against the rest of the country
Lamar's risk sits at a similar level relative to Nebraska (1st percentile statewide) as it does nationally (4th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Lamar ranks 30,365 for wildfire risk (1 is highest) and 31,050 by building count (1 is largest). Within Nebraska alone, it ranks 580 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
Lamar's low wildfire rating (4th 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.
Hardening a home in Lamar
Even with 62.2% of Lamar outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Lamar's figures come from
The methodology guide shows exactly how USFS turned 45 counted buildings into the percentiles shown above for Lamar. The exposure-zones guide covers what Lamar's dominant minimal exposure actually means, with real examples from across the dataset.