McCammon, ID
How exposed is McCammon to wildfire?
USFS's Wildfire Risk to Communities model puts McCammon at the 99th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 488 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 McCammon at the 99th percentile, close to its 99th-percentile risk score.
Where McCammon's buildings actually sit
63.9% of McCammon's 488 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 35% Direct and 1% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
How McCammon compares
McCammon scores 99th nationally and 95th within Idaho — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, McCammon ranks 445 for wildfire risk (1 is highest) and 17,563 by building count (1 is largest). Within Idaho alone, it ranks 13 of 232 places by risk. See the full county-by-county picture for Idaho on its state page.
Shopping for coverage in McCammon
McCammon's very high rating (99th 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.
Lowering exposure, not just insuring around it
McCammon's 63.9% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where McCammon's figures come from
The methodology guide shows exactly how USFS turned 488 counted buildings into the percentiles shown above for McCammon. The exposure-zones guide covers what McCammon's dominant indirect exposure actually means, with real examples from across the dataset.