Holland, MN
Holland wildfire risk explained
Holland's 209 buildings earn a 53rd-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Holland at the 44th national percentile — 8 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Holland's buildings actually sit
84.7% of Holland's 209 buildings sit in USFS's Minimal exposure zone, with only 15.3% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Holland against the rest of the country
Within Minnesota, Holland ranks higher (78th percentile) than it does nationally (53rd) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Holland ranks 14,874 for wildfire risk (1 is highest) and 24,516 by building count (1 is largest). Within Minnesota alone, it ranks 203 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Holland and the insurance market
Holland's elevated rating (53rd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
With 84.7% of buildings rated Minimal exposure, Holland gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Holland's figures come from
Holland's 53rd-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.