Holton, IN
How exposed is Holton to wildfire?
Holton's 317 buildings earn a 22nd-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Holton at the 23rd national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Holton's buildings actually sit
Direct exposure dominates in Holton: 50.5% of its 317 buildings, versus 49.5% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Holton compares
Holton's 85th-percentile standing inside Indiana outpaces its 22nd 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, Holton ranks 24,672 for wildfire risk (1 is highest) and 21,176 by building count (1 is largest). Within Indiana alone, it ranks 146 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
What this risk score means for insurance
Holton's moderate wildfire rating (22nd percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
What would actually reduce this score
Holton's 50.5% 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.
Where Holton's figures come from
Holton's 22nd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Holton's dominant direct exposure actually means, with real examples from across the dataset.