Nemaha, NE
How exposed is Nemaha to wildfire?
Nemaha's 164 buildings earn a 65th-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 Nemaha at the 63rd national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
USFS classifies 66.5% of Nemaha's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 22.6% Direct and 11% Indirect — a landscape-level risk rather than a building-by-building one.
Where Nemaha ranks
There's little gap between Nemaha's 65th national percentile and its 58th percentile inside Nebraska, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Nemaha ranks 11,026 for wildfire risk (1 is highest) and 26,255 by building count (1 is largest). Within Nebraska alone, it ranks 245 of 583 places by risk. See the full county-by-county picture for Nebraska on its state page.
Nemaha and the insurance market
Nemaha's high rating (65th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Lowering exposure, not just insuring around it
Even with 66.5% of Nemaha 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 164 counted buildings into the percentiles shown above for Nemaha. For more on what minimal exposure implies beyond Nemaha, see the exposure-zones guide.