Ewa Villages, HI
How exposed is Ewa Villages to wildfire?
Ewa Villages sits at the 81st 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 1,639 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Ewa Villages at the 79th national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
Ewa Villages's building exposure, zone by zone
Ewa Villages rates 89.4% Minimal exposure against just 10.6% Direct and 0% Indirect — of 1,639 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Ewa Villages compares
Ewa Villages's 81st national percentile looks worse in isolation than its 10th ranking inside Hawaii does — this place is on the milder end for its own state, by 71 points. Among the 31,521 US communities USFS scores, Ewa Villages ranks 6,081 for wildfire risk (1 is highest) and 8,624 by building count (1 is largest). Within Hawaii alone, it ranks 145 of 163 places by risk. See the full county-by-county picture for Hawaii on its state page.
Shopping for coverage in Ewa Villages
Ewa Villages's 81st-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
Even with 89.4% of Ewa Villages outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,639 counted buildings into the percentiles shown above for Ewa Villages. For more on what minimal exposure implies beyond Ewa Villages, see the exposure-zones guide.