Holiday City, OH
Holiday City, OH's wildfire risk, in USFS's own numbers
USFS scores Holiday City at the 4th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 137 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Holiday City's burn probability — fire likelihood with no building count factored in — sits at the 4th percentile nationally.
What "at risk" means for the buildings here
Holiday City rates 86.9% Minimal exposure against just 13.1% Direct and 0% Indirect — of 137 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Holiday City against the rest of the country
Within Ohio, Holiday City ranks higher (22nd percentile) than it does nationally (4th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Holiday City ranks 30,239 for wildfire risk (1 is highest) and 27,412 by building count (1 is largest). Within Ohio alone, it ranks 993 of 1,264 places by risk. See the full county-by-county picture for Ohio on its state page.
Holiday City and the insurance market
Holiday City's low rating (4th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Even with 86.9% of Holiday City 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 Holiday City's 30,239-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Holiday City, see the exposure-zones guide.