Hawaiian Beaches, HI
Hawaiian Beaches, HI's wildfire risk, in USFS's own numbers
Hawaiian Beaches's 2,153 buildings earn a 91st-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.)
Fire likelihood alone (USFS's burn-probability figure) ranks Hawaiian Beaches at the 87th national percentile — 4 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Indirect exposure is dominant in Hawaiian Beaches (60.8% of 2,153 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 38.9% sit in the Direct zone.
How Hawaiian Beaches compares
Hawaiian Beaches ranks lower within Hawaii (48th percentile statewide) than its 91st national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Hawaiian Beaches ranks 2,892 for wildfire risk (1 is highest) and 7,062 by building count (1 is largest). Within Hawaii alone, it ranks 85 of 163 places by risk. See the full county-by-county picture for Hawaii on its state page.
Shopping for coverage in Hawaiian Beaches
Hawaiian Beaches's very high rating (91st 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.
Lowering exposure, not just insuring around it
Because 60.8% of Hawaiian Beaches's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 2,153 counted buildings into the percentiles shown above for Hawaiian Beaches. For more on what indirect exposure implies beyond Hawaiian Beaches, see the exposure-zones guide.