Kaanapali, HI
Kaanapali, HI's wildfire risk, in USFS's own numbers
Kaanapali sits at the 94th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 871 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Kaanapali at the 93rd percentile, close to its 94th-percentile risk score.
Where Kaanapali's buildings actually sit
Indirect exposure is dominant in Kaanapali (69.8% of 871 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 29.9% sit in the Direct zone.
Kaanapali against the rest of the country
Kaanapali's 94th national percentile looks worse in isolation than its 71st ranking inside Hawaii does — this place is on the milder end for its own state, by 23 points. Among the 31,521 US communities USFS scores, Kaanapali ranks 1,791 for wildfire risk (1 is highest) and 12,971 by building count (1 is largest). Within Hawaii alone, it ranks 47 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
Kaanapali's 94th-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
With ember exposure the dominant pattern in Kaanapali (69.8% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
The methodology guide shows exactly how USFS turned 871 counted buildings into the percentiles shown above for Kaanapali. For more on what indirect exposure implies beyond Kaanapali, see the exposure-zones guide.