Holly, MI
How exposed is Holly to wildfire?
Holly's 2,723 buildings earn a 19th-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 Holly at the 20th 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
Indirect exposure is dominant in Holly (77.2% of 2,723 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 22.6% sit in the Direct zone.
How Holly compares
Compare Holly's two percentiles: 63rd within Michigan, only 19th nationally — a gap of 44 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Holly ranks 25,654 for wildfire risk (1 is highest) and 5,892 by building count (1 is largest). Within Michigan alone, it ranks 280 of 745 places by risk. See the full county-by-county picture for Michigan on its state page.
Holly and the insurance market
Holly's low rating (19th 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
Because 77.2% of Holly'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.
More on how this number was built
Every one of the two percentiles behind Holly's 25,654-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Holly, see the exposure-zones guide.