Holden Lakes, FL
Holden Lakes, FL's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Holden Lakes at the 57th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 1,402 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Holden Lakes at the 60th national percentile — 4 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Only 24.1% of Holden Lakes's 1,402 buildings carry Direct exposure and 0% carry Indirect; the remaining 75.9% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Holden Lakes against the rest of the country
Holden Lakes ranks lower within Florida (10th percentile statewide) than its 57th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Holden Lakes ranks 13,638 for wildfire risk (1 is highest) and 9,620 by building count (1 is largest). Within Florida alone, it ranks 858 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
What this risk score means for insurance
Holden Lakes's elevated wildfire rating (57th 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.
Lowering exposure, not just insuring around it
Even with 75.9% of Holden Lakes 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
Every one of the two percentiles behind Holden Lakes's 13,638-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Holden Lakes, see the exposure-zones guide.