Calumet, PA
How exposed is Calumet to wildfire?
Calumet sits at the 30th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 755 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Calumet's burn probability — fire likelihood with no building count factored in — sits at the 31st percentile nationally.
What "at risk" means for the buildings here
Of Calumet's 755 counted buildings, 54.6% carry Direct exposure and only 1.2% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Where Calumet ranks
There's little gap between Calumet's 30th national percentile and its 38th percentile inside Pennsylvania, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Calumet ranks 22,104 for wildfire risk (1 is highest) and 14,068 by building count (1 is largest). Within Pennsylvania alone, it ranks 1,234 of 1,991 places by risk. See the full county-by-county picture for Pennsylvania on its state page.
What this risk score means for insurance
At the 30th national percentile, Calumet rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
Calumet's 54.6% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
Calumet's 30th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Calumet, see the exposure-zones guide.