Calumet, MN
Calumet, MN's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Calumet at the 38th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 296 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Calumet at the 37th percentile, close to its 38th-percentile risk score.
What "at risk" means for the buildings here
296 buildings are counted in Calumet, and 83.5% of them are Indirect exposure — ember-driven risk rather than the 16.6% in Direct exposure or the 0% rated Minimal.
Where Calumet ranks
There's little gap between Calumet's 38th national percentile and its 51st percentile inside Minnesota, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Calumet ranks 19,474 for wildfire risk (1 is highest) and 21,732 by building count (1 is largest). Within Minnesota alone, it ranks 451 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
What this risk score means for insurance
Calumet's moderate rating (38th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Calumet
Because 83.5% of Calumet'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
Calumet's 38th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Calumet, see the exposure-zones guide.