Holiday, FL
How exposed is Holiday to wildfire?
USFS's Wildfire Risk to Communities model puts Holiday at the 77th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 12,034 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Holiday at the 75th national percentile — 3 points below its risk-to-structures score, a gap driven by how much is actually built there.
Holiday's building exposure, zone by zone
Most of Holiday's buildings (99.2% of 12,034) 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. At 12,034 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Holiday against the rest of the country
Holiday ranks lower within Florida (42nd percentile statewide) than its 77th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Holiday ranks 7,111 for wildfire risk (1 is highest) and 1,297 by building count (1 is largest). Within Florida alone, it ranks 556 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
Holiday's 77th-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Hardening a home in Holiday
Holiday's 99.2% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Holiday's figures come from
Holiday's 77th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Holiday's dominant minimal exposure actually means, with real examples from across the dataset.