Holualoa, HI
How exposed is Holualoa to wildfire?
USFS's Wildfire Risk to Communities model puts Holualoa at the 90th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 1,793 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Holualoa's burn probability — fire likelihood with no building count factored in — sits at the 87th percentile nationally.
Where Holualoa's buildings actually sit
80.4% of Holualoa's 1,793 buildings sit in USFS's Direct exposure zone, roughly 1,441 structures close enough to burnable vegetation for flame contact, not just embers — 19.6% fall in the Indirect, ember-only zone and 0% are Minimal.
Holualoa against the rest of the country
Inside Hawaii, Holualoa sits at just the 44th percentile even though it scores 90th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Holualoa ranks 3,214 for wildfire risk (1 is highest) and 8,088 by building count (1 is largest). Within Hawaii alone, it ranks 91 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
Holualoa's very high rating (90th 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.
What would actually reduce this score
Because Direct exposure dominates in Holualoa (80.4%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Holualoa's figures come from
The methodology guide shows exactly how USFS turned 1,793 counted buildings into the percentiles shown above for Holualoa. The exposure-zones guide covers what Holualoa's dominant direct exposure actually means, with real examples from across the dataset.