Papillion, NE
How exposed is Papillion to wildfire?
USFS scores Papillion at the 57th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 8,786 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Papillion's burn probability — fire likelihood with no building count factored in — sits at the 56th percentile nationally.
Papillion's building exposure, zone by zone
Papillion rates 94.3% Minimal exposure against just 5.7% Direct and 0% Indirect — of 8,786 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually. At 8,786 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Papillion against the rest of the country
There's little gap between Papillion's 57th national percentile and its 45th percentile inside Nebraska, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Papillion ranks 13,588 for wildfire risk (1 is highest) and 1,900 by building count (1 is largest). Within Nebraska alone, it ranks 320 of 583 places by risk. See the full county-by-county picture for Nebraska on its state page.
Papillion and the insurance market
Papillion's elevated wildfire rating (57th 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.
Hardening a home in Papillion
Papillion's 94.3% 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 Papillion's figures come from
The methodology guide shows exactly how USFS turned 8,786 counted buildings into the percentiles shown above for Papillion. The exposure-zones guide covers what Papillion's dominant minimal exposure actually means, with real examples from across the dataset.