Callaghan, VA
How exposed is Callaghan to wildfire?
Callaghan 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 193 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Callaghan's burn probability — fire likelihood with no building count factored in — sits at the 68th percentile nationally.
Callaghan's building exposure, zone by zone
USFS classifies 65.3% of Callaghan's buildings as Direct exposure, higher than its 34.7% Indirect share and far above its 0% Minimal share — a profile where 126 structures sit close enough to vegetation that lot clearing matters most.
Callaghan against the rest of the country
There's little gap between Callaghan's 69th national percentile and its 81st percentile inside Virginia, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Callaghan ranks 9,817 for wildfire risk (1 is highest) and 25,141 by building count (1 is largest). Within Virginia alone, it ranks 129 of 681 places by risk. See the full county-by-county picture for Virginia on its state page.
Callaghan and the insurance market
Callaghan'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.
What would actually reduce this score
With 65.3% of Callaghan in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Callaghan's figures come from
Every one of the two percentiles behind Callaghan's 9,817-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Callaghan's dominant direct exposure actually means, with real examples from across the dataset.