Mahinahina, HI
Mahinahina wildfire risk explained
USFS's Wildfire Risk to Communities model puts Mahinahina at the 93rd national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 235 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Mahinahina at the 92nd national percentile — 1 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
80.4% of Mahinahina's 235 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 19.6% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Mahinahina against the rest of the country
Mahinahina ranks lower within Hawaii (62nd percentile statewide) than its 93rd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Mahinahina ranks 2,206 for wildfire risk (1 is highest) and 23,624 by building count (1 is largest). Within Hawaii alone, it ranks 63 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
Mahinahina's very high rating (93rd 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.
What would actually reduce this score
Mahinahina's 80.4% 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
Mahinahina's 93rd-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 Mahinahina, see the exposure-zones guide.