Olinda, HI
How exposed is Olinda to wildfire?
USFS scores Olinda at the 92nd national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 573 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Olinda's burn probability — fire likelihood with no building count factored in — sits at the 89th percentile nationally.
What "at risk" means for the buildings here
573 buildings are counted in Olinda, and 93.4% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Where Olinda ranks
Olinda ranks lower within Hawaii (52nd percentile statewide) than its 92nd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Olinda ranks 2,610 for wildfire risk (1 is highest) and 16,192 by building count (1 is largest). Within Hawaii alone, it ranks 79 of 163 places by risk. See the full county-by-county picture for Hawaii on its state page.
Olinda and the insurance market
At the 92nd percentile nationally, Olinda 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.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Olinda (93.4%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Olinda's 2,610-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Olinda, see the exposure-zones guide.