Holley, FL
How exposed is Holley to wildfire?
Holley sits at the 87th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 965 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Holley at the 86th percentile, close to its 87th-percentile risk score.
Holley's building exposure, zone by zone
965 buildings are counted in Holley, and 84.2% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 1.8% rated Minimal.
How Holley compares
Inside Florida, Holley sits at just the 70th percentile even though it scores 87th 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, Holley ranks 4,189 for wildfire risk (1 is highest) and 12,182 by building count (1 is largest). Within Florida alone, it ranks 289 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
What this risk score means for insurance
At the 87th percentile nationally, Holley carries the very 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
With 84.2% of Holley in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Holley's figures come from
The methodology guide shows exactly how USFS turned 965 counted buildings into the percentiles shown above for Holley. The exposure-zones guide covers what Holley's dominant direct exposure actually means, with real examples from across the dataset.