Tamora, NE
Tamora wildfire risk explained
Tamora's 93 buildings earn a 21st-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Tamora at the 16th percentile, close to its 21st-percentile risk score.
What "at risk" means for the buildings here
Tamora rates 77.4% Minimal exposure against just 22.6% Direct and 0% Indirect — of 93 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Tamora ranks
Tamora's risk sits at a similar level relative to Nebraska (11th percentile statewide) as it does nationally (21st) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Tamora ranks 24,868 for wildfire risk (1 is highest) and 29,366 by building count (1 is largest). Within Nebraska alone, it ranks 522 of 583 places by risk. See the full county-by-county picture for Nebraska on its state page.
Tamora and the insurance market
Tamora's moderate wildfire rating (21st 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 77.4% of Tamora 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.
Where Tamora's figures come from
The methodology guide shows exactly how USFS turned 93 counted buildings into the percentiles shown above for Tamora. The exposure-zones guide covers what Tamora's dominant minimal exposure actually means, with real examples from across the dataset.