Holiday Lake, IA
How exposed is Holiday Lake to wildfire?
Out of every US place USFS scores, Holiday Lake lands at the 55th percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 726 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Holiday Lake at the 56th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Holiday Lake's building exposure, zone by zone
Only 46.1% of Holiday Lake's 726 buildings carry Direct exposure and 0% carry Indirect; the remaining 53.9% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
How Holiday Lake compares
Holiday Lake's 75th-percentile standing inside Iowa outpaces its 55th 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 Lake ranks 14,299 for wildfire risk (1 is highest) and 14,381 by building count (1 is largest). Within Iowa alone, it ranks 259 of 1,017 places by risk. See the full county-by-county picture for Iowa on its state page.
Shopping for coverage in Holiday Lake
Holiday Lake's elevated rating (55th 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 53.9% of Holiday Lake 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.
Where Holiday Lake's figures come from
The methodology guide shows exactly how USFS turned 726 counted buildings into the percentiles shown above for Holiday Lake. The exposure-zones guide covers what Holiday Lake's dominant minimal exposure actually means, with real examples from across the dataset.