Morse Bluff, NE
How exposed is Morse Bluff to wildfire?
Morse Bluff's 120 buildings earn a 76th-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Morse Bluff at the 67th national percentile — 9 points below its risk-to-structures score, a gap driven by how much is actually built there.
Morse Bluff's building exposure, zone by zone
76.7% of Morse Bluff's 120 buildings sit in USFS's Minimal exposure zone, with only 23.3% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Where Morse Bluff ranks
There's little gap between Morse Bluff's 76th national percentile and its 80th percentile inside Nebraska, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Morse Bluff ranks 7,534 for wildfire risk (1 is highest) and 28,154 by building count (1 is largest). Within Nebraska alone, it ranks 119 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 76th percentile nationally, Morse Bluff 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.
What would actually reduce this score
Even with 76.7% of Morse Bluff 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
The methodology guide shows exactly how USFS turned 120 counted buildings into the percentiles shown above for Morse Bluff. For more on what minimal exposure implies beyond Morse Bluff, see the exposure-zones guide.