Makena, HI
Makena, HI's wildfire risk, in USFS's own numbers
Makena sits at the 96th 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 186 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Makena's burn probability — fire likelihood with no building count factored in — sits at the 93rd percentile nationally.
What "at risk" means for the buildings here
USFS classifies 65.6% of Makena's buildings as Direct exposure, higher than its 24.2% Indirect share and far above its 10.2% Minimal share — a profile where 122 structures sit close enough to vegetation that lot clearing matters most.
Where Makena ranks
Makena's risk sits at a similar level relative to Hawaii (87th percentile statewide) as it does nationally (96th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Makena ranks 1,197 for wildfire risk (1 is highest) and 25,381 by building count (1 is largest). Within Hawaii alone, it ranks 22 of 163 places by risk. See the full county-by-county picture for Hawaii on its state page.
Makena and the insurance market
Makena's very high rating (96th 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
Makena's 65.6% 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
Makena's 96th-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 Makena, see the exposure-zones guide.