Holland, TX
Holland, TX's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Holland at the 65th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 584 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Holland at the 64th percentile, close to its 65th-percentile risk score.
Where Holland's buildings actually sit
51.5% of Holland's 584 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 48.5% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
How Holland compares
Inside Texas, Holland sits at just the 22nd percentile even though it scores 65th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Holland ranks 10,950 for wildfire risk (1 is highest) and 16,052 by building count (1 is largest). Within Texas alone, it ranks 1,408 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
What this risk score means for insurance
At the 65th percentile nationally, Holland carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
What would actually reduce this score
Holland's 51.5% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Holland's 10,950-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Holland, see the exposure-zones guide.