Nanawale Estates, HI
How exposed is Nanawale Estates to wildfire?
Nanawale Estates's 839 buildings earn a 86th-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Nanawale Estates's burn probability — fire likelihood with no building count factored in — sits at the 84th percentile nationally.
Where Nanawale Estates's buildings actually sit
Indirect exposure is dominant in Nanawale Estates (62.1% of 839 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 37.9% sit in the Direct zone.
Nanawale Estates against the rest of the country
Nanawale Estates ranks lower within Hawaii (23rd percentile statewide) than its 86th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Nanawale Estates ranks 4,437 for wildfire risk (1 is highest) and 13,257 by building count (1 is largest). Within Hawaii alone, it ranks 127 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
Nanawale Estates's 86th-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.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Nanawale Estates (62.1% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Nanawale Estates's figures come from
The methodology guide shows exactly how USFS turned 839 counted buildings into the percentiles shown above for Nanawale Estates. The exposure-zones guide covers what Nanawale Estates's dominant indirect exposure actually means, with real examples from across the dataset.