Holland, MI
How exposed is Holland to wildfire?
Holland sits at the 7th percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 12,173 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Holland at the 7th percentile, close to its 7th-percentile risk score.
What "at risk" means for the buildings here
Only 8.6% of Holland's 12,173 buildings carry Direct exposure and 1.3% carry Indirect; the remaining 90.1% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure. At 12,173 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Holland against the rest of the country
There's little gap between Holland's 7th national percentile and its 18th percentile inside Michigan, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Holland ranks 29,471 for wildfire risk (1 is highest) and 1,276 by building count (1 is largest). Within Michigan alone, it ranks 612 of 745 places by risk. See the full county-by-county picture for Michigan on its state page.
Holland and the insurance market
Holland's low rating (7th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Even with 90.1% of Holland outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Holland's figures come from
Holland's 7th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Holland's dominant minimal exposure actually means, with real examples from across the dataset.