Holly Hill, FL
Holly Hill, FL's wildfire risk, in USFS's own numbers
Holly Hill sits at the 77th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 5,939 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Holly Hill's burn probability — fire likelihood with no building count factored in — sits at the 77th percentile nationally.
Where Holly Hill's buildings actually sit
Most of Holly Hill's buildings (83.5% of 5,939) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure. At 5,939 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Holly Hill compares
Holly Hill ranks lower within Florida (41st percentile statewide) than its 77th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Holly Hill ranks 7,211 for wildfire risk (1 is highest) and 2,901 by building count (1 is largest). Within Florida alone, it ranks 563 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Holly Hill and the insurance market
Holly Hill's 77th-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
Even with 83.5% of Holly Hill outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Holly Hill's figures come from
Holly Hill's 77th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Holly Hill's dominant minimal exposure actually means, with real examples from across the dataset.