Hana, HI
Hana, HI's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Hana at the 87th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 743 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Hana at the 83rd percentile, close to its 87th-percentile risk score.
What "at risk" means for the buildings here
USFS classifies 66.4% of Hana's buildings as Direct exposure, higher than its 33.5% Indirect share and far above its 0.1% Minimal share — a profile where 493 structures sit close enough to vegetation that lot clearing matters most.
How Hana compares
Hana ranks lower within Hawaii (30th percentile statewide) than its 87th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Hana ranks 4,033 for wildfire risk (1 is highest) and 14,193 by building count (1 is largest). Within Hawaii alone, it ranks 114 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
At the 87th percentile nationally, Hana carries the very high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Hardening a home in Hana
Because Direct exposure dominates in Hana (66.4%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 743 counted buildings into the percentiles shown above for Hana. For more on what direct exposure implies beyond Hana, see the exposure-zones guide.