Lake Holiday, IL
How exposed is Lake Holiday to wildfire?
USFS scores Lake Holiday at the 7th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 2,848 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Lake Holiday at the 7th percentile, close to its 7th-percentile risk score.
Lake Holiday's building exposure, zone by zone
Most of Lake Holiday's buildings (83.4% of 2,848) 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.
Lake Holiday against the rest of the country
Within Illinois, Lake Holiday ranks higher (34th percentile) than it does nationally (7th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Lake Holiday ranks 29,427 for wildfire risk (1 is highest) and 5,667 by building count (1 is largest). Within Illinois alone, it ranks 960 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
What this risk score means for insurance
At the 7th national percentile, Lake Holiday rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
With 83.4% of buildings rated Minimal exposure, Lake Holiday gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Lake Holiday's 7th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Lake Holiday, see the exposure-zones guide.