Napili-Honokowai, HI
How exposed is Napili-Honokowai to wildfire?
USFS scores Napili-Honokowai at the 90th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 1,237 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Napili-Honokowai at the 89th percentile, close to its 90th-percentile risk score.
What "at risk" means for the buildings here
USFS puts 91.2% of Napili-Honokowai's 1,237 buildings in the Indirect exposure zone, versus 7% Direct and 1.9% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Napili-Honokowai ranks
Napili-Honokowai's 90th national percentile looks worse in isolation than its 48th ranking inside Hawaii does — this place is on the milder end for its own state, by 43 points. Among the 31,521 US communities USFS scores, Napili-Honokowai ranks 3,049 for wildfire risk (1 is highest) and 10,427 by building count (1 is largest). Within Hawaii alone, it ranks 86 of 163 places by risk. See the full county-by-county picture for Hawaii on its state page.
Shopping for coverage in Napili-Honokowai
At the 90th percentile nationally, Napili-Honokowai 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 Napili-Honokowai
Because 91.2% of Napili-Honokowai's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,237 counted buildings into the percentiles shown above for Napili-Honokowai. For more on what indirect exposure implies beyond Napili-Honokowai, see the exposure-zones guide.