Waiahole-Waikane, HI
How exposed is Waiahole-Waikane to wildfire?
Out of every US place USFS scores, Waiahole-Waikane lands at the 97th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 444 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Waiahole-Waikane at the 96th percentile, close to its 97th-percentile risk score.
What "at risk" means for the buildings here
59.9% of Waiahole-Waikane's 444 buildings sit in USFS's Direct exposure zone, roughly 266 structures close enough to burnable vegetation for flame contact, not just embers — 39.2% fall in the Indirect, ember-only zone and 0.9% are Minimal.
Waiahole-Waikane against the rest of the country
Waiahole-Waikane scores 97th nationally and 90th within Hawaii — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Waiahole-Waikane ranks 945 for wildfire risk (1 is highest) and 18,375 by building count (1 is largest). Within Hawaii alone, it ranks 17 of 163 places by risk. See the full county-by-county picture for Hawaii on its state page.
Waiahole-Waikane and the insurance market
At the 97th percentile nationally, Waiahole-Waikane 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
Waiahole-Waikane's 59.9% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
Waiahole-Waikane's 97th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Waiahole-Waikane, see the exposure-zones guide.