Richfield, NE
Richfield, NE's wildfire risk, in USFS's own numbers
Richfield's 95 buildings earn a 51st-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Richfield's burn probability — fire likelihood with no building count factored in — sits at the 49th percentile nationally.
Richfield's building exposure, zone by zone
USFS classifies 65.3% of Richfield's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 34.7% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Richfield against the rest of the country
Richfield scores 51st nationally and 38th within Nebraska — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Richfield ranks 15,385 for wildfire risk (1 is highest) and 29,279 by building count (1 is largest). Within Nebraska alone, it ranks 361 of 583 places by risk. See the full county-by-county picture for Nebraska on its state page.
Richfield and the insurance market
Richfield's elevated wildfire rating (51st 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.
Lowering exposure, not just insuring around it
Even with 65.3% of Richfield 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
Richfield's 51st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Richfield, see the exposure-zones guide.