Maunawili, HI
Maunawili, HI's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Maunawili at the 96th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 807 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Maunawili at the 95th percentile, close to its 96th-percentile risk score.
Maunawili's building exposure, zone by zone
807 buildings are counted in Maunawili, and 77.3% of them are Indirect exposure — ember-driven risk rather than the 22.7% in Direct exposure or the 0% rated Minimal.
Where Maunawili ranks
There's little gap between Maunawili's 96th national percentile and its 86th percentile inside Hawaii, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Maunawili ranks 1,232 for wildfire risk (1 is highest) and 13,574 by building count (1 is largest). Within Hawaii alone, it ranks 24 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 96th percentile nationally, Maunawili 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.
Hardening a home in Maunawili
With ember exposure the dominant pattern in Maunawili (77.3% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Maunawili's figures come from
Every one of the two percentiles behind Maunawili's 1,232-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Maunawili's dominant indirect exposure actually means, with real examples from across the dataset.