Royal Kunia, HI
How exposed is Royal Kunia to wildfire?
USFS scores Royal Kunia at the 86th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 3,604 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 Royal Kunia at the 81st percentile, close to its 86th-percentile risk score.
Royal Kunia's building exposure, zone by zone
Indirect exposure is dominant in Royal Kunia (96.9% of 3,604 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 3.1% sit in the Direct zone.
Where Royal Kunia ranks
Inside Hawaii, Royal Kunia sits at just the 22nd percentile even though it scores 86th 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, Royal Kunia ranks 4,470 for wildfire risk (1 is highest) and 4,645 by building count (1 is largest). Within Hawaii alone, it ranks 128 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
At the 86th percentile nationally, Royal Kunia 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.
What would actually reduce this score
Royal Kunia's 96.9% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Royal Kunia's 4,470-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Royal Kunia, see the exposure-zones guide.