Holly Lake Ranch, TX
Holly Lake Ranch wildfire risk explained
USFS scores Holly Lake Ranch at the 71st national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 1,484 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Holly Lake Ranch at the 71st national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Holly Lake Ranch's building exposure, zone by zone
USFS classifies 62.5% of Holly Lake Ranch's buildings as Direct exposure, higher than its 37.3% Indirect share and far above its 0.3% Minimal share — a profile where 927 structures sit close enough to vegetation that lot clearing matters most.
Where Holly Lake Ranch ranks
Inside Texas, Holly Lake Ranch sits at just the 33rd percentile even though it scores 71st 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, Holly Lake Ranch ranks 9,215 for wildfire risk (1 is highest) and 9,231 by building count (1 is largest). Within Texas alone, it ranks 1,198 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 71st percentile nationally, Holly Lake Ranch 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.
Hardening a home in Holly Lake Ranch
With 62.5% of Holly Lake Ranch 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.
More on how this number was built
Every one of the two percentiles behind Holly Lake Ranch's 9,215-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Holly Lake Ranch, see the exposure-zones guide.