Fern Acres, HI
Fern Acres wildfire risk explained
Fern Acres's 1,213 buildings earn a 89th-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.)
Separately from the risk score above, Fern Acres's burn probability — fire likelihood with no building count factored in — sits at the 86th percentile nationally.
Fern Acres's building exposure, zone by zone
Of Fern Acres's 1,213 counted buildings, 100% 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.
Fern Acres against the rest of the country
Fern Acres ranks lower within Hawaii (40th percentile statewide) than its 89th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Fern Acres ranks 3,562 for wildfire risk (1 is highest) and 10,576 by building count (1 is largest). Within Hawaii alone, it ranks 99 of 163 places by risk. See the full county-by-county picture for Hawaii on its state page.
Fern Acres and the insurance market
Fern Acres's 89th-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.
What would actually reduce this score
With 100% of Fern Acres 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
Fern Acres's 89th-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 Fern Acres, see the exposure-zones guide.