Loretto, NE
Loretto wildfire risk explained
Loretto sits at the 62nd 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.)
Fire likelihood alone (USFS's burn-probability figure) ranks Loretto at the 57th national percentile — 5 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Loretto's buildings actually sit
USFS puts 58.2% of Loretto's 55 buildings in the Indirect exposure zone, versus 41.8% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Loretto against the rest of the country
Loretto scores 62nd nationally and 54th within Nebraska — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Loretto ranks 11,950 for wildfire risk (1 is highest) and 30,794 by building count (1 is largest). Within Nebraska alone, it ranks 267 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 62nd percentile nationally, Loretto 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
Because 58.2% of Loretto's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
Loretto's 62nd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Loretto, see the exposure-zones guide.