Discovery Harbour, HI
Discovery Harbour wildfire risk explained
Discovery Harbour sits at the 94th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 753 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Discovery Harbour's burn probability — fire likelihood with no building count factored in — sits at the 92nd percentile nationally.
What "at risk" means for the buildings here
Of Discovery Harbour's 753 counted buildings, 90.6% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Where Discovery Harbour ranks
Inside Hawaii, Discovery Harbour sits at just the 69th percentile even though it scores 94th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Discovery Harbour ranks 1,826 for wildfire risk (1 is highest) and 14,089 by building count (1 is largest). Within Hawaii alone, it ranks 49 of 163 places by risk. See the full county-by-county picture for Hawaii on its state page.
Discovery Harbour and the insurance market
Discovery Harbour's very high rating (94th 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 90.6% of Discovery Harbour in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
Discovery Harbour's 94th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Discovery Harbour, see the exposure-zones guide.