Holtville, CA
How exposed is Holtville to wildfire?
Holtville sits at the 32nd percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 1,795 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Holtville at the 33rd percentile, close to its 32nd-percentile risk score.
Where Holtville's buildings actually sit
Most of Holtville's buildings (98.4% of 1,795) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Where Holtville ranks
Holtville ranks lower within California (3rd percentile statewide) than its 32nd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Holtville ranks 21,515 for wildfire risk (1 is highest) and 8,082 by building count (1 is largest). Within California alone, it ranks 1,520 of 1,570 places by risk. See the full county-by-county picture for California on its state page.
What this risk score means for insurance
Holtville's 32nd-percentile score lands in California, the only two states requiring a wildfire disclosure at sale. California's surplus-lines homeowners market passed 300,000 policies for the first time in 2025, driven by carriers pulling back from wildfire-exposed areas statewide. The disclosure-law guide covers what it requires.
What would actually reduce this score
Holtville's 98.4% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Holtville's figures come from
Every one of the two percentiles behind Holtville's 21,515-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Holtville's dominant minimal exposure actually means, with real examples from across the dataset.