Tiki Gardens, HI
Tiki Gardens, HI's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Tiki Gardens lands at the 90th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 256 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Tiki Gardens's burn probability — fire likelihood with no building count factored in — sits at the 87th percentile nationally.
Where Tiki Gardens's buildings actually sit
256 buildings are counted in Tiki Gardens, and 55.5% of them are Indirect exposure — ember-driven risk rather than the 44.5% in Direct exposure or the 0% rated Minimal.
How Tiki Gardens compares
Tiki Gardens ranks lower within Hawaii (43rd percentile statewide) than its 90th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Tiki Gardens ranks 3,275 for wildfire risk (1 is highest) and 22,935 by building count (1 is largest). Within Hawaii alone, it ranks 94 of 163 places by risk. See the full county-by-county picture for Hawaii on its state page.
Tiki Gardens and the insurance market
At the 90th percentile nationally, Tiki Gardens 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
With ember exposure the dominant pattern in Tiki Gardens (55.5% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Tiki Gardens's figures come from
Every one of the two percentiles behind Tiki Gardens's 3,275-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Tiki Gardens's dominant indirect exposure actually means, with real examples from across the dataset.