Holiday Lakes, TX
Holiday Lakes, TX's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Holiday Lakes lands at the 84th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 464 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Holiday Lakes's burn probability — fire likelihood with no building count factored in — sits at the 87th percentile nationally.
Where Holiday Lakes's buildings actually sit
Direct exposure dominates in Holiday Lakes: 95.3% of its 464 buildings, versus 4.7% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Holiday Lakes against the rest of the country
Holiday Lakes scores 84th nationally and 71st within Texas — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Holiday Lakes ranks 5,212 for wildfire risk (1 is highest) and 17,998 by building count (1 is largest). Within Texas alone, it ranks 531 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Holiday Lakes and the insurance market
Holiday Lakes's 84th-percentile, very 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.
Lowering exposure, not just insuring around it
Holiday Lakes's 95.3% 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
Holiday Lakes's 84th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Holiday Lakes, see the exposure-zones guide.