Smithfield, NE
How exposed is Smithfield to wildfire?
Smithfield's 91 buildings earn a 46th-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.)
Fire likelihood alone (USFS's burn-probability figure) ranks Smithfield at the 44th national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Smithfield's buildings actually sit
USFS puts 73.6% of Smithfield's 91 buildings in the Indirect exposure zone, versus 26.4% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Smithfield against the rest of the country
Smithfield's risk sits at a similar level relative to Nebraska (31st percentile statewide) as it does nationally (46th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Smithfield ranks 17,179 for wildfire risk (1 is highest) and 29,457 by building count (1 is largest). Within Nebraska alone, it ranks 404 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 46th national percentile, Smithfield rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Because 73.6% of Smithfield's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
Smithfield's 46th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Smithfield, see the exposure-zones guide.