Holdingford, MN
Holdingford wildfire risk explained
USFS scores Holdingford at the 50th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 508 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Holdingford at the 51st national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
USFS puts 77% of Holdingford's 508 buildings in the Indirect exposure zone, versus 23% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
How Holdingford compares
Within Minnesota, Holdingford ranks higher (74th percentile) than it does nationally (50th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Holdingford ranks 15,786 for wildfire risk (1 is highest) and 17,209 by building count (1 is largest). Within Minnesota alone, it ranks 238 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
Holdingford's elevated rating (50th 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 Holdingford
Because 77% of Holdingford'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.
Where Holdingford's figures come from
Every one of the two percentiles behind Holdingford's 15,786-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Holdingford's dominant indirect exposure actually means, with real examples from across the dataset.