Mauna Loa Estates, HI
Mauna Loa Estates wildfire risk explained
Mauna Loa Estates sits at the 82nd 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 603 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Mauna Loa Estates at the 80th percentile, close to its 82nd-percentile risk score.
Mauna Loa Estates's building exposure, zone by zone
Of Mauna Loa Estates's 603 counted buildings, 50.1% 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.
Where Mauna Loa Estates ranks
Inside Hawaii, Mauna Loa Estates sits at just the 12th percentile even though it scores 82nd nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Mauna Loa Estates ranks 5,547 for wildfire risk (1 is highest) and 15,797 by building count (1 is largest). Within Hawaii alone, it ranks 143 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
At the 82nd percentile nationally, Mauna Loa Estates 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.
What would actually reduce this score
Mauna Loa Estates's 50.1% 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
Every one of the two percentiles behind Mauna Loa Estates's 5,547-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Mauna Loa Estates, see the exposure-zones guide.