Holiday Hills, IL
Holiday Hills wildfire risk explained
Out of every US place USFS scores, Holiday Hills lands at the 40th percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 390 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Holiday Hills at the 41st national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Holiday Hills's building exposure, zone by zone
83.1% of Holiday Hills's 390 buildings sit in USFS's Minimal exposure zone, with only 16.9% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Holiday Hills against the rest of the country
Holiday Hills's 93rd-percentile standing inside Illinois outpaces its 40th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Holiday Hills ranks 18,838 for wildfire risk (1 is highest) and 19,405 by building count (1 is largest). Within Illinois alone, it ranks 107 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
What this risk score means for insurance
Holiday Hills's elevated wildfire rating (40th 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
With 83.1% of buildings rated Minimal exposure, Holiday Hills gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Holiday Hills's figures come from
Every one of the two percentiles behind Holiday Hills's 18,838-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Holiday Hills's dominant minimal exposure actually means, with real examples from across the dataset.