Memphis, NE
Memphis wildfire risk explained
Memphis's 77 buildings earn a 59th-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Memphis at the 56th national percentile — 3 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Memphis's buildings actually sit
Memphis rates 76.6% Minimal exposure against just 23.4% Direct and 0% Indirect — of 77 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Memphis ranks
Memphis's risk sits at a similar level relative to Nebraska (49th percentile statewide) as it does nationally (59th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Memphis ranks 12,806 for wildfire risk (1 is highest) and 30,019 by building count (1 is largest). Within Nebraska alone, it ranks 297 of 583 places by risk. See the full county-by-county picture for Nebraska on its state page.
Shopping for coverage in Memphis
Memphis's elevated wildfire rating (59th 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.
Lowering exposure, not just insuring around it
With 76.6% of buildings rated Minimal exposure, Memphis gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Memphis's 59th-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 Memphis, see the exposure-zones guide.