Holy Cross, AK
Holy Cross, AK's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Holy Cross lands at the 67th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 119 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Holy Cross's burn probability — fire likelihood with no building count factored in — sits at the 64th percentile nationally.
What "at risk" means for the buildings here
60.5% of Holy Cross's 119 buildings sit in USFS's Direct exposure zone, roughly 72 structures close enough to burnable vegetation for flame contact, not just embers — 39.5% fall in the Indirect, ember-only zone and 0% are Minimal.
Where Holy Cross ranks
Holy Cross's 67th national percentile looks worse in isolation than its 50th ranking inside Alaska does — this place is on the milder end for its own state, by 17 points. Among the 31,521 US communities USFS scores, Holy Cross ranks 10,451 for wildfire risk (1 is highest) and 28,176 by building count (1 is largest). Within Alaska alone, it ranks 162 of 322 places by risk. See the full county-by-county picture for Alaska on its state page.
What this risk score means for insurance
At the 67th percentile nationally, Holy Cross 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.
What would actually reduce this score
Holy Cross's 60.5% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Holy Cross's figures come from
Holy Cross's 67th-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 Holy Cross's dominant direct exposure actually means, with real examples from across the dataset.