Mokuleia, HI
Mokuleia, HI's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Mokuleia lands at the 99th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 748 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Mokuleia at the 99th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
53.3% of Mokuleia's 748 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 21% Direct and 25.7% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Mokuleia against the rest of the country
There's little gap between Mokuleia's 99th national percentile and its 96th percentile inside Hawaii, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Mokuleia ranks 320 for wildfire risk (1 is highest) and 14,137 by building count (1 is largest). Within Hawaii alone, it ranks 7 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 99th percentile nationally, Mokuleia 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
Mokuleia's 53.3% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Mokuleia's figures come from
Every one of the two percentiles behind Mokuleia's 320-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Mokuleia's dominant indirect exposure actually means, with real examples from across the dataset.