Holland, MO
Holland wildfire risk explained
Holland's 151 buildings earn a 1st-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Holland at the 1st national percentile — 0 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
70.2% of Holland's 151 buildings sit in USFS's Minimal exposure zone, with only 29.8% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
How Holland compares
Holland's risk sits at a similar level relative to Missouri (1st percentile statewide) as it does nationally (1st) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Holland ranks 31,341 for wildfire risk (1 is highest) and 26,846 by building count (1 is largest). Within Missouri alone, it ranks 1,055 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Holland and the insurance market
Holland's low wildfire rating (1st 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.
What would actually reduce this score
With 70.2% 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.
More on how this number was built
Holland's 1st-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 Holland, see the exposure-zones guide.