Calio, ND
Calio wildfire risk explained
Calio sits at the 51st percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 87 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Calio at the 48th national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Calio rates 58.6% Minimal exposure against just 41.4% Direct and 0% Indirect — of 87 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Calio ranks
There's little gap between Calio's 51st national percentile and its 54th percentile inside North Dakota, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Calio ranks 15,604 for wildfire risk (1 is highest) and 29,627 by building count (1 is largest). Within North Dakota alone, it ranks 185 of 402 places by risk. See the full county-by-county picture for North Dakota on its state page.
Calio and the insurance market
Calio's elevated rating (51st percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Calio's 58.6% 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.
More on how this number was built
Calio's 51st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Calio, see the exposure-zones guide.