Honaunau-Napoopoo, HI
Honaunau-Napoopoo, HI's wildfire risk, in USFS's own numbers
Honaunau-Napoopoo's 1,634 buildings earn a 87th-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 Honaunau-Napoopoo at the 84th national percentile — 3 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
1,634 buildings are counted in Honaunau-Napoopoo, and 87.5% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 1.4% rated Minimal.
Where Honaunau-Napoopoo ranks
Honaunau-Napoopoo's 87th national percentile looks worse in isolation than its 28th ranking inside Hawaii does — this place is on the milder end for its own state, by 59 points. Among the 31,521 US communities USFS scores, Honaunau-Napoopoo ranks 4,089 for wildfire risk (1 is highest) and 8,633 by building count (1 is largest). Within Hawaii alone, it ranks 116 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
Honaunau-Napoopoo's 87th-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.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Honaunau-Napoopoo (87.5%), 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 Honaunau-Napoopoo's 4,089-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Honaunau-Napoopoo, see the exposure-zones guide.