Volcano Golf Course, HI
How exposed is Volcano Golf Course to wildfire?
Volcano Golf Course sits at the 85th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 307 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Volcano Golf Course at the 81st national percentile — 4 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Volcano Golf Course's buildings actually sit
79.2% of Volcano Golf Course's 307 buildings sit in USFS's Direct exposure zone, roughly 243 structures close enough to burnable vegetation for flame contact, not just embers — 20.9% fall in the Indirect, ember-only zone and 0% are Minimal.
Where Volcano Golf Course ranks
Inside Hawaii, Volcano Golf Course sits at just the 15th percentile even though it scores 85th 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, Volcano Golf Course ranks 4,890 for wildfire risk (1 is highest) and 21,439 by building count (1 is largest). Within Hawaii alone, it ranks 139 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 85th percentile nationally, Volcano Golf Course 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 Volcano Golf Course (79.2%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Volcano Golf Course's figures come from
Every one of the two percentiles behind Volcano Golf Course's 4,890-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Volcano Golf Course's dominant direct exposure actually means, with real examples from across the dataset.