Holiday Beach, TX
How exposed is Holiday Beach to wildfire?
Holiday Beach sits at the 85th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 956 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 Holiday Beach at the 85th percentile, close to its 85th-percentile risk score.
Where Holiday Beach's buildings actually sit
Indirect exposure is dominant in Holiday Beach (71.9% of 956 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 22.6% sit in the Direct zone.
Where Holiday Beach ranks
Holiday Beach scores 85th nationally and 74th within Texas — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Holiday Beach ranks 4,710 for wildfire risk (1 is highest) and 12,268 by building count (1 is largest). Within Texas alone, it ranks 472 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
What this risk score means for insurance
At the 85th percentile nationally, Holiday Beach carries the very high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Hardening a home in Holiday Beach
Holiday Beach's 71.9% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
Holiday Beach's 85th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Holiday Beach, see the exposure-zones guide.