Holt, MI
Holt, MI's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Holt at the 15th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 10,393 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Holt at the 17th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Holt's building exposure, zone by zone
Only 19.8% of Holt's 10,393 buildings carry Direct exposure and 6.9% carry Indirect; the remaining 73.3% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure. At 10,393 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Holt compares
Holt's 53rd-percentile standing inside Michigan outpaces its 15th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Holt ranks 26,691 for wildfire risk (1 is highest) and 1,532 by building count (1 is largest). Within Michigan alone, it ranks 353 of 745 places by risk. See the full county-by-county picture for Michigan on its state page.
Shopping for coverage in Holt
At the 15th national percentile, Holt rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
Even with 73.3% of Holt 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.
More on how this number was built
Holt's 15th-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 Holt, see the exposure-zones guide.