Holladay, TN
Holladay wildfire risk explained
Out of every US place USFS scores, Holladay lands at the 50th percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 102 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Holladay at the 52nd national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
98% of Holladay's 102 buildings sit in USFS's Direct exposure zone, roughly 100 structures close enough to burnable vegetation for flame contact, not just embers — 2% fall in the Indirect, ember-only zone and 0% are Minimal.
Where Holladay ranks
Holladay scores 50th nationally and 43rd within Tennessee — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Holladay ranks 15,865 for wildfire risk (1 is highest) and 28,975 by building count (1 is largest). Within Tennessee alone, it ranks 287 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
Holladay and the insurance market
At the 50th national percentile, Holladay rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Holladay (98%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Holladay's figures come from
The methodology guide shows exactly how USFS turned 102 counted buildings into the percentiles shown above for Holladay. The exposure-zones guide covers what Holladay's dominant direct exposure actually means, with real examples from across the dataset.