Peru, NE
How exposed is Peru to wildfire?
USFS's Wildfire Risk to Communities model puts Peru at the 75th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 348 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Peru at the 74th percentile, close to its 75th-percentile risk score.
What "at risk" means for the buildings here
Only 38.5% of Peru's 348 buildings carry Direct exposure and 0% carry Indirect; the remaining 61.5% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Where Peru ranks
There's little gap between Peru's 75th national percentile and its 77th percentile inside Nebraska, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Peru ranks 7,983 for wildfire risk (1 is highest) and 20,370 by building count (1 is largest). Within Nebraska alone, it ranks 135 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
Peru's high rating (75th 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 61.5% of Peru 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
Every one of the two percentiles behind Peru's 7,983-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Peru, see the exposure-zones guide.