Holden, MO
Holden wildfire risk explained
Out of every US place USFS scores, Holden lands at the 49th percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 1,381 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Holden at the 50th percentile, close to its 49th-percentile risk score.
Holden's building exposure, zone by zone
Holden rates 71.8% Minimal exposure against just 28.2% Direct and 0% Indirect — of 1,381 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Holden ranks
Inside Missouri, Holden sits at just the 31st percentile even though it scores 49th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Holden ranks 16,133 for wildfire risk (1 is highest) and 9,712 by building count (1 is largest). Within Missouri alone, it ranks 739 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
What this risk score means for insurance
Holden's elevated wildfire rating (49th 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
With 71.8% of buildings rated Minimal exposure, Holden gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Holden's 49th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Holden, see the exposure-zones guide.