Monroe, NE
Monroe wildfire risk explained
USFS scores Monroe at the 51st national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 240 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Monroe at the 47th percentile, close to its 51st-percentile risk score.
Monroe's building exposure, zone by zone
240 buildings are counted in Monroe, and 94.2% of them are Indirect exposure — ember-driven risk rather than the 5.8% in Direct exposure or the 0% rated Minimal.
Monroe against the rest of the country
There's little gap between Monroe's 51st national percentile and its 39th percentile inside Nebraska, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Monroe ranks 15,318 for wildfire risk (1 is highest) and 23,469 by building count (1 is largest). Within Nebraska alone, it ranks 359 of 583 places by risk. See the full county-by-county picture for Nebraska on its state page.
Monroe and the insurance market
Monroe's elevated rating (51st percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Monroe's 94.2% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Monroe's figures come from
The methodology guide shows exactly how USFS turned 240 counted buildings into the percentiles shown above for Monroe. The exposure-zones guide covers what Monroe's dominant indirect exposure actually means, with real examples from across the dataset.