Holiday Woods, IN
Holiday Woods wildfire risk explained
USFS scores Holiday Woods at the 17th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 143 real buildings rather than raw vegetation cover. (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 Woods at the 18th percentile, close to its 17th-percentile risk score.
Holiday Woods's building exposure, zone by zone
89.5% of Holiday Woods's 143 buildings sit in USFS's Direct exposure zone, roughly 128 structures close enough to burnable vegetation for flame contact, not just embers — 10.5% fall in the Indirect, ember-only zone and 0% are Minimal.
Holiday Woods against the rest of the country
Within Indiana, Holiday Woods ranks higher (73rd percentile) than it does nationally (17th) — 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 Woods ranks 26,121 for wildfire risk (1 is highest) and 27,150 by building count (1 is largest). Within Indiana alone, it ranks 265 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Shopping for coverage in Holiday Woods
Holiday Woods's low wildfire rating (17th 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
Because Direct exposure dominates in Holiday Woods (89.5%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Holiday Woods's 17th-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 Woods, see the exposure-zones guide.