Murray, NE
Murray, NE's wildfire risk, in USFS's own numbers
USFS scores Murray at the 47th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 296 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Murray at the 46th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Murray's buildings actually sit
84.5% of Murray's 296 buildings sit in USFS's Minimal exposure zone, with only 15.5% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Murray against the rest of the country
Murray's risk sits at a similar level relative to Nebraska (33rd percentile statewide) as it does nationally (47th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Murray ranks 16,643 for wildfire risk (1 is highest) and 21,733 by building count (1 is largest). Within Nebraska alone, it ranks 389 of 583 places by risk. See the full county-by-county picture for Nebraska on its state page.
Murray and the insurance market
Murray's elevated wildfire rating (47th 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
Murray's 84.5% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Murray's figures come from
Every one of the two percentiles behind Murray's 16,643-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Murray's dominant minimal exposure actually means, with real examples from across the dataset.