Maili, HI
How exposed is Maili to wildfire?
USFS scores Maili at the 99th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 2,895 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Maili at the 99th percentile, close to its 99th-percentile risk score.
What "at risk" means for the buildings here
USFS puts 56% of Maili's 2,895 buildings in the Indirect exposure zone, versus 18.3% Direct and 25.8% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Maili ranks
Maili scores 99th nationally and 96th within Hawaii — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Maili ranks 478 for wildfire risk (1 is highest) and 5,593 by building count (1 is largest). Within Hawaii alone, it ranks 8 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
Maili's 99th-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Hardening a home in Maili
Because 56% of Maili's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Maili's 478-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Maili, see the exposure-zones guide.