Liberty, NE
Liberty wildfire risk explained
USFS's Wildfire Risk to Communities model puts Liberty at the 86th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 88 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Liberty's burn probability — fire likelihood with no building count factored in — sits at the 80th percentile nationally.
What "at risk" means for the buildings here
Liberty rates 58% Minimal exposure against just 42.1% Direct and 0% Indirect — of 88 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Liberty compares
Liberty's risk sits at a similar level relative to Nebraska (93rd percentile statewide) as it does nationally (86th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Liberty ranks 4,474 for wildfire risk (1 is highest) and 29,583 by building count (1 is largest). Within Nebraska alone, it ranks 40 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
At the 86th percentile nationally, Liberty carries the very high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Lowering exposure, not just insuring around it
Even with 58% of Liberty 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 Liberty's figures come from
Liberty's 86th-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 Liberty's dominant minimal exposure actually means, with real examples from across the dataset.