Holly, CO
How exposed is Holly to wildfire?
USFS's Wildfire Risk to Communities model puts Holly at the 61st national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 550 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 Holly at the 60th percentile, close to its 61st-percentile risk score.
What "at risk" means for the buildings here
92.4% of Holly's 550 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 7.6% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Where Holly ranks
Holly's 61st national percentile looks worse in isolation than its 28th ranking inside Colorado does — this place is on the milder end for its own state, by 33 points. Among the 31,521 US communities USFS scores, Holly ranks 12,250 for wildfire risk (1 is highest) and 16,565 by building count (1 is largest). Within Colorado alone, it ranks 337 of 472 places by risk. See the full county-by-county picture for Colorado on its state page.
What this risk score means for insurance
Holly's 61st-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
What would actually reduce this score
Holly's 92.4% 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
The methodology guide shows exactly how USFS turned 550 counted buildings into the percentiles shown above for Holly. For more on what indirect exposure implies beyond Holly, see the exposure-zones guide.