Kaneohe, HI
Kaneohe, HI's wildfire risk, in USFS's own numbers
Kaneohe 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 9,714 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Kaneohe at the 91st 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
USFS puts 52.2% of Kaneohe's 9,714 buildings in the Indirect exposure zone, versus 3.3% Direct and 44.5% Minimal — a place where the fire doesn't need to reach the structure directly for embers to. At 9,714 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Kaneohe compares
Kaneohe ranks lower within Hawaii (64th percentile statewide) than its 94th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Kaneohe ranks 2,042 for wildfire risk (1 is highest) and 1,685 by building count (1 is largest). Within Hawaii alone, it ranks 57 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
At the 94th percentile nationally, Kaneohe carries the very high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
What would actually reduce this score
Kaneohe's 52.2% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Kaneohe's figures come from
Kaneohe's 94th-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 Kaneohe's dominant indirect exposure actually means, with real examples from across the dataset.