Holiday Shores, IL
How exposed is Holiday Shores to wildfire?
Out of every US place USFS scores, Holiday Shores lands at the 14th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 1,343 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 Shores at the 15th percentile, close to its 14th-percentile risk score.
Where Holiday Shores's buildings actually sit
43.3% of Holiday Shores's 1,343 buildings sit in USFS's Minimal exposure zone, with only 24.3% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
How Holiday Shores compares
Within Illinois, Holiday Shores ranks higher (51st percentile) than it does nationally (14th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Holiday Shores ranks 27,093 for wildfire risk (1 is highest) and 9,859 by building count (1 is largest). Within Illinois alone, it ranks 705 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
At the 14th national percentile, Holiday Shores rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
With 43.3% of buildings rated Minimal exposure, Holiday Shores gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,343 counted buildings into the percentiles shown above for Holiday Shores. For more on what minimal exposure implies beyond Holiday Shores, see the exposure-zones guide.