Holyoke, CO
Holyoke wildfire risk explained
USFS scores Holyoke at the 43rd national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 1,535 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Holyoke at the 42nd percentile, close to its 43rd-percentile risk score.
Where Holyoke's buildings actually sit
Most of Holyoke's buildings (89.9% of 1,535) 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.
How Holyoke compares
Holyoke's 43rd national percentile looks worse in isolation than its 10th ranking inside Colorado does — this place is on the milder end for its own state, by 33 points. Among the 31,521 US communities USFS scores, Holyoke ranks 17,892 for wildfire risk (1 is highest) and 9,008 by building count (1 is largest). Within Colorado alone, it ranks 425 of 472 places by risk. See the full county-by-county picture for Colorado on its state page.
Holyoke and the insurance market
At the 43rd national percentile, Holyoke rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Holyoke
Even with 89.9% of Holyoke 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.
Where Holyoke's figures come from
The methodology guide shows exactly how USFS turned 1,535 counted buildings into the percentiles shown above for Holyoke. The exposure-zones guide covers what Holyoke's dominant minimal exposure actually means, with real examples from across the dataset.