Kualapuu, HI
How exposed is Kualapuu to wildfire?
Kualapuu sits at the 92nd 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 944 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Kualapuu's burn probability — fire likelihood with no building count factored in — sits at the 89th percentile nationally.
Where Kualapuu's buildings actually sit
Direct exposure dominates in Kualapuu: 73.4% of its 944 buildings, versus 26.3% Indirect and 0.3% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Kualapuu against the rest of the country
Inside Hawaii, Kualapuu sits at just the 51st percentile even though it scores 92nd nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Kualapuu ranks 2,674 for wildfire risk (1 is highest) and 12,351 by building count (1 is largest). Within Hawaii alone, it ranks 81 of 163 places by risk. See the full county-by-county picture for Hawaii on its state page.
Shopping for coverage in Kualapuu
Kualapuu's very high rating (92nd percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Lowering exposure, not just insuring around it
Kualapuu's 73.4% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Kualapuu's figures come from
The methodology guide shows exactly how USFS turned 944 counted buildings into the percentiles shown above for Kualapuu. The exposure-zones guide covers what Kualapuu's dominant direct exposure actually means, with real examples from across the dataset.