Calcium, NY
Calcium wildfire risk explained
USFS's Wildfire Risk to Communities model puts Calcium at the 7th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 1,001 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Calcium's burn probability — fire likelihood with no building count factored in — sits at the 8th percentile nationally.
Calcium's building exposure, zone by zone
Calcium rates 54.2% Minimal exposure against just 39.2% Direct and 6.7% Indirect — of 1,001 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Calcium ranks
Calcium's risk sits at a similar level relative to New York (14th percentile statewide) as it does nationally (7th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Calcium ranks 29,258 for wildfire risk (1 is highest) and 11,926 by building count (1 is largest). Within New York alone, it ranks 1,110 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Calcium and the insurance market
Calcium's low wildfire rating (7th 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 54.2% of Calcium 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 Calcium's figures come from
The methodology guide shows exactly how USFS turned 1,001 counted buildings into the percentiles shown above for Calcium. The exposure-zones guide covers what Calcium's dominant minimal exposure actually means, with real examples from across the dataset.