Hawi, HI
Hawi, HI's wildfire risk, in USFS's own numbers
USFS scores Hawi at the 92nd national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 1,084 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Hawi at the 89th percentile, close to its 92nd-percentile risk score.
What "at risk" means for the buildings here
79.4% of Hawi's 1,084 buildings sit in USFS's Direct exposure zone, roughly 861 structures close enough to burnable vegetation for flame contact, not just embers — 20.6% fall in the Indirect, ember-only zone and 0% are Minimal.
Hawi against the rest of the country
Hawi ranks lower within Hawaii (53rd percentile statewide) than its 92nd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Hawi ranks 2,579 for wildfire risk (1 is highest) and 11,380 by building count (1 is largest). Within Hawaii alone, it ranks 78 of 163 places by risk. See the full county-by-county picture for Hawaii on its state page.
Hawi and the insurance market
At the 92nd percentile nationally, Hawi 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.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Hawi (79.4%), 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
Every one of the two percentiles behind Hawi's 2,579-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Hawi, see the exposure-zones guide.