Volcano, HI
Volcano wildfire risk explained
Volcano 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 822 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Volcano at the 81st percentile, close to its 85th-percentile risk score.
What "at risk" means for the buildings here
Of Volcano's 822 counted buildings, 91.5% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Volcano against the rest of the country
Volcano's 85th national percentile looks worse in isolation than its 15th ranking inside Hawaii does — this place is on the milder end for its own state, by 70 points. Among the 31,521 US communities USFS scores, Volcano ranks 4,889 for wildfire risk (1 is highest) and 13,423 by building count (1 is largest). Within Hawaii alone, it ranks 138 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
Volcano's very high rating (85th 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.
Hardening a home in Volcano
With 91.5% of Volcano in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Volcano's figures come from
The methodology guide shows exactly how USFS turned 822 counted buildings into the percentiles shown above for Volcano. The exposure-zones guide covers what Volcano's dominant direct exposure actually means, with real examples from across the dataset.