Holt, MO
Holt, MO's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Holt lands at the 67th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 263 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Holt at the 69th percentile, close to its 67th-percentile risk score.
Where Holt's buildings actually sit
Holt rates 60.5% Minimal exposure against just 33.5% Direct and 6.1% Indirect — of 263 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Holt ranks
There's little gap between Holt's 67th national percentile and its 75th percentile inside Missouri, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Holt ranks 10,270 for wildfire risk (1 is highest) and 22,736 by building count (1 is largest). Within Missouri alone, it ranks 261 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
What this risk score means for insurance
At the 67th percentile nationally, Holt carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
What would actually reduce this score
Even with 60.5% 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 67th-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.