Eleele, HI
Eleele wildfire risk explained
Eleele's 822 buildings earn a 86th-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Eleele at the 81st national percentile — 5 points below its risk-to-structures score, a gap driven by how much is actually built there.
Eleele's building exposure, zone by zone
USFS puts 91.5% of Eleele's 822 buildings in the Indirect exposure zone, versus 8.4% Direct and 0.1% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Eleele against the rest of the country
Eleele ranks lower within Hawaii (22nd percentile statewide) than its 86th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Eleele ranks 4,436 for wildfire risk (1 is highest) and 13,422 by building count (1 is largest). Within Hawaii alone, it ranks 126 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
Eleele's very high rating (86th 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.
Hardening a home in Eleele
Because 91.5% of Eleele's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Eleele's figures come from
The methodology guide shows exactly how USFS turned 822 counted buildings into the percentiles shown above for Eleele. The exposure-zones guide covers what Eleele's dominant indirect exposure actually means, with real examples from across the dataset.