Aiea, HI
Aiea wildfire risk explained
USFS's Wildfire Risk to Communities model puts Aiea at the 96th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 2,967 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Aiea's burn probability — fire likelihood with no building count factored in — sits at the 95th percentile nationally.
Where Aiea's buildings actually sit
Most of Aiea's buildings (97.4%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
How Aiea compares
Aiea scores 96th nationally and 86th within Hawaii — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Aiea ranks 1,231 for wildfire risk (1 is highest) and 5,488 by building count (1 is largest). Within Hawaii alone, it ranks 23 of 163 places by risk. See the full county-by-county picture for Hawaii on its state page.
Aiea and the insurance market
At the 96th percentile nationally, Aiea carries the very 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.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Aiea (97.4% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
Every one of the two percentiles behind Aiea's 1,231-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Aiea, see the exposure-zones guide.