Ainaloa, HI
Ainaloa, HI's wildfire risk, in USFS's own numbers
USFS scores Ainaloa at the 92nd national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 1,412 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Ainaloa's burn probability — fire likelihood with no building count factored in — sits at the 89th percentile nationally.
What "at risk" means for the buildings here
1,412 buildings are counted in Ainaloa, and 59.9% of them are Indirect exposure — ember-driven risk rather than the 40.1% in Direct exposure or the 0% rated Minimal.
Where Ainaloa ranks
Ainaloa's 92nd national percentile looks worse in isolation than its 59th ranking inside Hawaii does — this place is on the milder end for its own state, by 34 points. Among the 31,521 US communities USFS scores, Ainaloa ranks 2,417 for wildfire risk (1 is highest) and 9,577 by building count (1 is largest). Within Hawaii alone, it ranks 68 of 163 places by risk. See the full county-by-county picture for Hawaii on its state page.
What this risk score means for insurance
Ainaloa's very high rating (92nd percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Ainaloa (59.9% 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
Ainaloa's 92nd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Ainaloa, see the exposure-zones guide.