Holt, AL
How exposed is Holt to wildfire?
Holt sits at the 60th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 1,980 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Holt's burn probability — fire likelihood with no building count factored in — sits at the 63rd percentile nationally.
Holt's building exposure, zone by zone
USFS classifies 58.1% of Holt's buildings as Direct exposure, higher than its 41.9% Indirect share and far above its 0% Minimal share — a profile where 1,150 structures sit close enough to vegetation that lot clearing matters most.
How Holt compares
Holt ranks lower within Alabama (27th percentile statewide) than its 60th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Holt ranks 12,563 for wildfire risk (1 is highest) and 7,532 by building count (1 is largest). Within Alabama alone, it ranks 435 of 592 places by risk. See the full county-by-county picture for Alabama on its state page.
Holt and the insurance market
Holt's 60th-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Hardening a home in Holt
Holt's 58.1% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
Holt's 60th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Holt, see the exposure-zones guide.