Callahan, FL
Callahan wildfire risk explained
USFS scores Callahan at the 81st national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 743 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Callahan at the 82nd percentile, close to its 81st-percentile risk score.
What "at risk" means for the buildings here
Most of Callahan's buildings (58%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
Where Callahan ranks
Callahan ranks lower within Florida (50th percentile statewide) than its 81st national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Callahan ranks 6,138 for wildfire risk (1 is highest) and 14,191 by building count (1 is largest). Within Florida alone, it ranks 479 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in Callahan
At the 81st percentile nationally, Callahan carries the very high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
What would actually reduce this score
Because 58% of Callahan's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Callahan's figures come from
The methodology guide shows exactly how USFS turned 743 counted buildings into the percentiles shown above for Callahan. The exposure-zones guide covers what Callahan's dominant indirect exposure actually means, with real examples from across the dataset.