Pakala Village, HI
Pakala Village wildfire risk explained
USFS scores Pakala Village at the 81st national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 159 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Pakala Village's burn probability — fire likelihood with no building count factored in — sits at the 76th percentile nationally.
Where Pakala Village's buildings actually sit
Indirect exposure is dominant in Pakala Village (79.9% of 159 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 18.2% sit in the Direct zone.
Where Pakala Village ranks
Inside Hawaii, Pakala Village sits at just the 9th percentile even though it scores 81st 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, Pakala Village ranks 6,139 for wildfire risk (1 is highest) and 26,475 by building count (1 is largest). Within Hawaii alone, it ranks 148 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
Pakala Village's very high rating (81st percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
What would actually reduce this score
With ember exposure the dominant pattern in Pakala Village (79.9% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
Pakala Village's 81st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Pakala Village, see the exposure-zones guide.