Omao, HI
How exposed is Omao to wildfire?
USFS scores Omao at the 96th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 499 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Omao's burn probability — fire likelihood with no building count factored in — sits at the 94th percentile nationally.
What "at risk" means for the buildings here
Direct exposure dominates in Omao: 53.5% of its 499 buildings, versus 46.5% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Omao compares
Omao's risk sits at a similar level relative to Hawaii (83rd percentile statewide) as it does nationally (96th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Omao ranks 1,318 for wildfire risk (1 is highest) and 17,374 by building count (1 is largest). Within Hawaii alone, it ranks 30 of 163 places by risk. See the full county-by-county picture for Hawaii on its state page.
Shopping for coverage in Omao
At the 96th percentile nationally, Omao 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 Omao (53.5%), 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
Omao's 96th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Omao, see the exposure-zones guide.