Captain Cook, HI
How exposed is Captain Cook to wildfire?
USFS scores Captain Cook at the 88th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 1,682 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 Captain Cook at the 84th percentile, close to its 88th-percentile risk score.
Captain Cook's building exposure, zone by zone
1,682 buildings are counted in Captain Cook, and 74.3% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
How Captain Cook compares
Captain Cook's 88th national percentile looks worse in isolation than its 35th ranking inside Hawaii does — this place is on the milder end for its own state, by 53 points. Among the 31,521 US communities USFS scores, Captain Cook ranks 3,780 for wildfire risk (1 is highest) and 8,486 by building count (1 is largest). Within Hawaii alone, it ranks 105 of 163 places by risk. See the full county-by-county picture for Hawaii on its state page.
Shopping for coverage in Captain Cook
Captain Cook's very high rating (88th 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
Captain Cook's 74.3% 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,682 counted buildings into the percentiles shown above for Captain Cook. For more on what direct exposure implies beyond Captain Cook, see the exposure-zones guide.