Holiday Lakes, OH
Holiday Lakes, OH's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Holiday Lakes lands at the 6th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 678 buildings, not the land around them. (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 Lakes at the 6th percentile, close to its 6th-percentile risk score.
Holiday Lakes's building exposure, zone by zone
USFS classifies 69.3% of Holiday Lakes's buildings as Direct exposure, higher than its 0% Indirect share and far above its 30.7% Minimal share — a profile where 470 structures sit close enough to vegetation that lot clearing matters most.
Where Holiday Lakes ranks
Holiday Lakes's 25th-percentile standing inside Ohio outpaces its 6th 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 Lakes ranks 29,737 for wildfire risk (1 is highest) and 14,885 by building count (1 is largest). Within Ohio alone, it ranks 942 of 1,264 places by risk. See the full county-by-county picture for Ohio on its state page.
What this risk score means for insurance
Holiday Lakes's low wildfire rating (6th 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.
What would actually reduce this score
Holiday Lakes's 69.3% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
The methodology guide shows exactly how USFS turned 678 counted buildings into the percentiles shown above for Holiday Lakes. For more on what direct exposure implies beyond Holiday Lakes, see the exposure-zones guide.