Makaha Valley, HI
Makaha Valley, HI's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Makaha Valley at the 100th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 143 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Makaha Valley's burn probability — fire likelihood with no building count factored in — sits at the 100th percentile nationally.
Where Makaha Valley's buildings actually sit
Of Makaha Valley's 143 counted buildings, 76.9% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Makaha Valley against the rest of the country
There's little gap between Makaha Valley's 100th national percentile and its 100th percentile inside Hawaii, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Makaha Valley ranks 40 for wildfire risk (1 is highest) and 27,145 by building count (1 is largest). Within Hawaii alone, it ranks 1 of 163 places by risk. See the full county-by-county picture for Hawaii on its state page.
Makaha Valley and the insurance market
Makaha Valley's 100th-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 Makaha Valley
Makaha Valley's 76.9% 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.
More on how this number was built
Makaha Valley's 100th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Makaha Valley, see the exposure-zones guide.