East Kapolei, HI
How exposed is East Kapolei to wildfire?
USFS scores East Kapolei at the 94th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 555 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, East Kapolei's burn probability — fire likelihood with no building count factored in — sits at the 91st percentile nationally.
East Kapolei's building exposure, zone by zone
56.4% of East Kapolei's 555 buildings sit in USFS's Minimal exposure zone, with only 33.5% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
How East Kapolei compares
East Kapolei's 94th national percentile looks worse in isolation than its 69th ranking inside Hawaii does — this place is on the milder end for its own state, by 26 points. Among the 31,521 US communities USFS scores, East Kapolei ranks 1,856 for wildfire risk (1 is highest) and 16,492 by building count (1 is largest). Within Hawaii alone, it ranks 52 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
East Kapolei'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.
What would actually reduce this score
With 56.4% of buildings rated Minimal exposure, East Kapolei gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where East Kapolei's figures come from
The methodology guide shows exactly how USFS turned 555 counted buildings into the percentiles shown above for East Kapolei. The exposure-zones guide covers what East Kapolei's dominant minimal exposure actually means, with real examples from across the dataset.