Callaway, MN
Callaway wildfire risk explained
USFS scores Callaway at the 28th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 154 real buildings rather than raw vegetation cover. (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 25th percentile nationally.
What "at risk" means for the buildings here
Only 17.5% of Callaway's 154 buildings carry Direct exposure and 0% carry Indirect; the remaining 82.5% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
How Callaway compares
Callaway's risk sits at a similar level relative to Minnesota (35th percentile statewide) as it does nationally (28th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Callaway ranks 22,538 for wildfire risk (1 is highest) and 26,704 by building count (1 is largest). Within Minnesota alone, it ranks 598 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Callaway and the insurance market
Callaway's moderate wildfire rating (28th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
Even with 82.5% of Callaway outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Callaway's 22,538-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Callaway, see the exposure-zones guide.