Lahaina, HI
Lahaina wildfire risk explained
USFS's Wildfire Risk to Communities model puts Lahaina at the 98th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 3,168 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Lahaina at the 97th percentile, close to its 98th-percentile risk score.
Where Lahaina's buildings actually sit
3,168 buildings are counted in Lahaina, and 86.1% of them are Indirect exposure — ember-driven risk rather than the 13.2% in Direct exposure or the 0.8% rated Minimal.
Lahaina against the rest of the country
Lahaina's risk sits at a similar level relative to Hawaii (93rd percentile statewide) as it does nationally (98th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Lahaina ranks 721 for wildfire risk (1 is highest) and 5,205 by building count (1 is largest). Within Hawaii alone, it ranks 12 of 163 places by risk. See the full county-by-county picture for Hawaii on its state page.
Lahaina and the insurance market
At the 98th percentile nationally, Lahaina 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 Lahaina
Lahaina's 86.1% 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.
More on how this number was built
Every one of the two percentiles behind Lahaina's 721-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Lahaina, see the exposure-zones guide.