Kaloko, HI
Kaloko, HI's wildfire risk, in USFS's own numbers
Kaloko sits at the 90th 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 597 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 Kaloko at the 87th percentile, close to its 90th-percentile risk score.
Where Kaloko's buildings actually sit
93.6% of Kaloko's 597 buildings sit in USFS's Direct exposure zone, roughly 559 structures close enough to burnable vegetation for flame contact, not just embers — 6.4% fall in the Indirect, ember-only zone and 0% are Minimal.
Kaloko against the rest of the country
Kaloko's 90th national percentile looks worse in isolation than its 46th ranking inside Hawaii does — this place is on the milder end for its own state, by 44 points. Among the 31,521 US communities USFS scores, Kaloko ranks 3,116 for wildfire risk (1 is highest) and 15,882 by building count (1 is largest). Within Hawaii alone, it ranks 88 of 163 places by risk. See the full county-by-county picture for Hawaii on its state page.
Shopping for coverage in Kaloko
Kaloko's 90th-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.
What would actually reduce this score
With 93.6% of Kaloko in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Kaloko's figures come from
Kaloko's 90th-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 Kaloko's dominant direct exposure actually means, with real examples from across the dataset.