Ocean Pointe, HI
Ocean Pointe, HI's wildfire risk, in USFS's own numbers
Ocean Pointe 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 5,442 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 Ocean Pointe at the 81st percentile, close to its 82nd-percentile risk score.
What "at risk" means for the buildings here
68.4% of Ocean Pointe's 5,442 buildings sit in USFS's Minimal exposure zone, with only 31.6% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself. At 5,442 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Ocean Pointe ranks
Inside Hawaii, Ocean Pointe 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, Ocean Pointe ranks 5,828 for wildfire risk (1 is highest) and 3,173 by building count (1 is largest). Within Hawaii alone, it ranks 144 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
Ocean Pointe's 82nd-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.
What would actually reduce this score
Ocean Pointe's 68.4% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
Ocean Pointe's 82nd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Ocean Pointe, see the exposure-zones guide.