Callaway, FL
How exposed is Callaway to wildfire?
USFS's Wildfire Risk to Communities model puts Callaway at the 88th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 6,592 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Callaway's burn probability — fire likelihood with no building count factored in — sits at the 88th percentile nationally.
Callaway's building exposure, zone by zone
56.7% of Callaway's 6,592 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 16.8% Direct and 26.5% Minimal. Vent screens and roofing material matter more here than lot clearing alone. At 6,592 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Callaway ranks
Callaway scores 88th nationally and 74th within Florida — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Callaway ranks 3,901 for wildfire risk (1 is highest) and 2,631 by building count (1 is largest). Within Florida alone, it ranks 254 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in Callaway
Callaway's very high rating (88th 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 Callaway
Because 56.7% of Callaway'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.
More on how this number was built
The methodology guide shows exactly how USFS turned 6,592 counted buildings into the percentiles shown above for Callaway. For more on what indirect exposure implies beyond Callaway, see the exposure-zones guide.