Hawaiian Acres, HI
Hawaiian Acres wildfire risk explained
Out of every US place USFS scores, Hawaiian Acres lands at the 90th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 2,690 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Hawaiian Acres's burn probability — fire likelihood with no building count factored in — sits at the 87th percentile nationally.
Where Hawaiian Acres's buildings actually sit
Direct exposure dominates in Hawaiian Acres: 100% of its 2,690 buildings, versus 0% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Hawaiian Acres compares
Hawaiian Acres's 90th national percentile looks worse in isolation than its 43rd ranking inside Hawaii does — this place is on the milder end for its own state, by 46 points. Among the 31,521 US communities USFS scores, Hawaiian Acres ranks 3,274 for wildfire risk (1 is highest) and 5,944 by building count (1 is largest). Within Hawaii alone, it ranks 93 of 163 places by risk. See the full county-by-county picture for Hawaii on its state page.
Hawaiian Acres and the insurance market
At the 90th percentile nationally, Hawaiian Acres 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 Hawaiian Acres
Hawaiian Acres's 100% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
Hawaiian Acres's 90th-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 Hawaiian Acres, see the exposure-zones guide.