Kaumakani, HI
Kaumakani, HI's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Kaumakani lands at the 51st percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 219 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Kaumakani at the 49th national percentile — 2 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 classifies 95.9% of Kaumakani's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 4.1% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Where Kaumakani ranks
Kaumakani ranks lower within Hawaii (0th percentile statewide) than its 51st national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Kaumakani ranks 15,404 for wildfire risk (1 is highest) and 24,150 by building count (1 is largest). Within Hawaii alone, it ranks 163 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
Kaumakani's elevated wildfire rating (51st percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
Even with 95.9% of Kaumakani outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Kaumakani's 15,404-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Kaumakani, see the exposure-zones guide.