Caldwell, ID
Caldwell wildfire risk explained
Caldwell sits at the 69th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 21,459 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Caldwell's burn probability — fire likelihood with no building count factored in — sits at the 70th percentile nationally.
Caldwell's building exposure, zone by zone
65% of Caldwell's 21,459 buildings sit in USFS's Minimal exposure zone, with only 24.6% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself. At 21,459 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Caldwell ranks
Caldwell ranks lower within Idaho (35th percentile statewide) than its 69th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Caldwell ranks 9,832 for wildfire risk (1 is highest) and 647 by building count (1 is largest). Within Idaho alone, it ranks 151 of 232 places by risk. See the full county-by-county picture for Idaho on its state page.
What this risk score means for insurance
Caldwell's high rating (69th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Hardening a home in Caldwell
Caldwell's 65% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Caldwell's figures come from
Caldwell's 69th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Caldwell's dominant minimal exposure actually means, with real examples from across the dataset.