Lake Holiday, VA
How exposed is Lake Holiday to wildfire?
Lake Holiday's 895 buildings earn a 58th-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (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 58th percentile, close to its 58th-percentile risk score.
What "at risk" means for the buildings here
Of Lake Holiday's 895 counted buildings, 97% carry Direct exposure and only 2.1% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Lake Holiday against the rest of the country
Lake Holiday scores 58th nationally and 65th within Virginia — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Lake Holiday ranks 13,191 for wildfire risk (1 is highest) and 12,773 by building count (1 is largest). Within Virginia alone, it ranks 242 of 681 places by risk. See the full county-by-county picture for Virginia on its state page.
Lake Holiday and the insurance market
Lake Holiday's elevated wildfire rating (58th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Hardening a home in Lake Holiday
Lake Holiday's 97% 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 Lake Holiday's figures come from
Every one of the two percentiles behind Lake Holiday's 13,191-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Lake Holiday's dominant direct exposure actually means, with real examples from across the dataset.