Linoma Beach, NE
Linoma Beach, NE's wildfire risk, in USFS's own numbers
Linoma Beach sits at the 74th 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 55 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Linoma Beach's burn probability — fire likelihood with no building count factored in — sits at the 72nd percentile nationally.
Where Linoma Beach's buildings actually sit
Linoma Beach rates 76.4% Minimal exposure against just 20% Direct and 3.6% Indirect — of 55 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Linoma Beach against the rest of the country
Linoma Beach's risk sits at a similar level relative to Nebraska (75th percentile statewide) as it does nationally (74th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Linoma Beach ranks 8,256 for wildfire risk (1 is highest) and 30,793 by building count (1 is largest). Within Nebraska alone, it ranks 145 of 583 places by risk. See the full county-by-county picture for Nebraska on its state page.
Linoma Beach and the insurance market
At the 74th percentile nationally, Linoma Beach carries the 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 76.4% of Linoma Beach 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.
More on how this number was built
Linoma Beach's 74th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Linoma Beach, see the exposure-zones guide.