Melia, NE
Melia, NE's wildfire risk, in USFS's own numbers
Melia sits at the 55th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 114 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 Melia at the 50th percentile, close to its 55th-percentile risk score.
Where Melia's buildings actually sit
55.3% of Melia's 114 buildings sit in USFS's Direct exposure zone, roughly 63 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 44.7% are Minimal.
How Melia compares
There's little gap between Melia's 55th national percentile and its 43rd percentile inside Nebraska, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Melia ranks 14,121 for wildfire risk (1 is highest) and 28,461 by building count (1 is largest). Within Nebraska alone, it ranks 335 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
Melia's elevated wildfire rating (55th 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.
What would actually reduce this score
Melia's 55.3% 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.
Where Melia's figures come from
Every one of the two percentiles behind Melia's 14,121-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Melia's dominant direct exposure actually means, with real examples from across the dataset.