Hanamaulu, HI
Hanamaulu wildfire risk explained
USFS scores Hanamaulu at the 86th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 831 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Hanamaulu at the 82nd national percentile — 4 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Hanamaulu's buildings actually sit
Indirect exposure is dominant in Hanamaulu (91.5% of 831 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 8.5% sit in the Direct zone.
How Hanamaulu compares
Hanamaulu's 86th national percentile looks worse in isolation than its 20th ranking inside Hawaii does — this place is on the milder end for its own state, by 66 points. Among the 31,521 US communities USFS scores, Hanamaulu ranks 4,537 for wildfire risk (1 is highest) and 13,333 by building count (1 is largest). Within Hawaii alone, it ranks 131 of 163 places by risk. See the full county-by-county picture for Hawaii on its state page.
Shopping for coverage in Hanamaulu
Hanamaulu'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 Hanamaulu
With ember exposure the dominant pattern in Hanamaulu (91.5% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Hanamaulu's figures come from
The methodology guide shows exactly how USFS turned 831 counted buildings into the percentiles shown above for Hanamaulu. The exposure-zones guide covers what Hanamaulu's dominant indirect exposure actually means, with real examples from across the dataset.