Highland Holiday, OH
How exposed is Highland Holiday to wildfire?
USFS's Wildfire Risk to Communities model puts Highland Holiday at the 29th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 396 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Highland Holiday's burn probability — fire likelihood with no building count factored in — sits at the 32nd percentile nationally.
Highland Holiday's building exposure, zone by zone
Of Highland Holiday's 396 counted buildings, 63.6% carry Direct exposure and only 2.8% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
How Highland Holiday compares
Compare Highland Holiday's two percentiles: 63rd within Ohio, only 29th nationally — a gap of 34 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Highland Holiday ranks 22,411 for wildfire risk (1 is highest) and 19,307 by building count (1 is largest). Within Ohio alone, it ranks 465 of 1,264 places by risk. See the full county-by-county picture for Ohio on its state page.
Highland Holiday and the insurance market
At the 29th national percentile, Highland Holiday rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Highland Holiday (63.6%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Highland Holiday's figures come from
The methodology guide shows exactly how USFS turned 396 counted buildings into the percentiles shown above for Highland Holiday. The exposure-zones guide covers what Highland Holiday's dominant direct exposure actually means, with real examples from across the dataset.