Richland, NE
Richland, NE's wildfire risk, in USFS's own numbers
Richland's 106 buildings earn a 71st-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.)
Separately from the risk score above, Richland's burn probability — fire likelihood with no building count factored in — sits at the 60th percentile nationally.
Where Richland's buildings actually sit
Only 5.7% of Richland's 106 buildings carry Direct exposure and 0% carry Indirect; the remaining 94.3% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
How Richland compares
Richland scores 71st nationally and 71st 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, Richland ranks 9,236 for wildfire risk (1 is highest) and 28,778 by building count (1 is largest). Within Nebraska alone, it ranks 171 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
At the 71st percentile nationally, Richland carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Lowering exposure, not just insuring around it
Even with 94.3% of Richland 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 106 counted buildings into the percentiles shown above for Richland. For more on what minimal exposure implies beyond Richland, see the exposure-zones guide.