Holliday, TX
Holliday wildfire risk explained
Holliday sits at the 97th 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 1,124 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Holliday at the 97th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Holliday's building exposure, zone by zone
Most of Holliday's buildings (68.3%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
Holliday against the rest of the country
There's little gap between Holliday's 97th national percentile and its 98th percentile inside Texas, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Holliday ranks 832 for wildfire risk (1 is highest) and 11,125 by building count (1 is largest). Within Texas alone, it ranks 39 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in Holliday
At the 97th percentile nationally, Holliday 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
Holliday's 68.3% 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.
Where Holliday's figures come from
The methodology guide shows exactly how USFS turned 1,124 counted buildings into the percentiles shown above for Holliday. The exposure-zones guide covers what Holliday's dominant indirect exposure actually means, with real examples from across the dataset.