Heeia, HI
How exposed is Heeia to wildfire?
Out of every US place USFS scores, Heeia lands at the 96th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 1,720 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Heeia at the 94th national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Heeia's buildings actually sit
USFS puts 78.7% of Heeia's 1,720 buildings in the Indirect exposure zone, versus 7% Direct and 14.4% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Heeia ranks
Heeia ranks lower within Hawaii (79th percentile statewide) than its 96th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Heeia ranks 1,355 for wildfire risk (1 is highest) and 8,339 by building count (1 is largest). Within Hawaii alone, it ranks 33 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
Heeia's 96th-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Hardening a home in Heeia
Because 78.7% of Heeia'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.
Where Heeia's figures come from
Heeia's 96th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Heeia's dominant indirect exposure actually means, with real examples from across the dataset.