Kapolei, HI
Kapolei wildfire risk explained
USFS scores Kapolei at the 97th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 4,534 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Kapolei's burn probability — fire likelihood with no building count factored in — sits at the 96th percentile nationally.
What "at risk" means for the buildings here
Indirect exposure is dominant in Kapolei (45.9% of 4,534 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 18.7% sit in the Direct zone.
Kapolei against the rest of the country
There's little gap between Kapolei's 97th national percentile and its 92nd percentile inside Hawaii, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Kapolei ranks 814 for wildfire risk (1 is highest) and 3,764 by building count (1 is largest). Within Hawaii alone, it ranks 14 of 163 places by risk. See the full county-by-county picture for Hawaii on its state page.
Shopping for coverage in Kapolei
At the 97th percentile nationally, Kapolei 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.
Hardening a home in Kapolei
With ember exposure the dominant pattern in Kapolei (45.9% 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
Kapolei's 97th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Kapolei, see the exposure-zones guide.