Holt, MN
How exposed is Holt to wildfire?
USFS scores Holt at the 91st national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 98 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Holt at the 92nd national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Holt's buildings actually sit
67.4% of Holt's 98 buildings sit in USFS's Direct exposure zone, roughly 66 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 32.7% are Minimal.
Holt against the rest of the country
Holt scores 91st nationally and 100th within Minnesota — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Holt ranks 2,805 for wildfire risk (1 is highest) and 29,127 by building count (1 is largest). Within Minnesota alone, it ranks 3 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
What this risk score means for insurance
Holt's 91st-percentile, very 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.
Lowering exposure, not just insuring around it
With 67.4% of Holt in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Holt's figures come from
Every one of the two percentiles behind Holt's 2,805-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Holt's dominant direct exposure actually means, with real examples from across the dataset.