Waikoloa Village, HI
How exposed is Waikoloa Village to wildfire?
USFS scores Waikoloa Village at the 92nd national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 2,366 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Waikoloa Village's burn probability — fire likelihood with no building count factored in — sits at the 90th percentile nationally.
What "at risk" means for the buildings here
74.5% of Waikoloa Village's 2,366 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 25.5% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
How Waikoloa Village compares
Inside Hawaii, Waikoloa Village sits at just the 54th percentile even though it scores 92nd 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, Waikoloa Village ranks 2,522 for wildfire risk (1 is highest) and 6,576 by building count (1 is largest). Within Hawaii alone, it ranks 75 of 163 places by risk. See the full county-by-county picture for Hawaii on its state page.
Waikoloa Village and the insurance market
At the 92nd percentile nationally, Waikoloa Village 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
Waikoloa Village's 74.5% 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.
Where Waikoloa Village's figures come from
The methodology guide shows exactly how USFS turned 2,366 counted buildings into the percentiles shown above for Waikoloa Village. The exposure-zones guide covers what Waikoloa Village's dominant indirect exposure actually means, with real examples from across the dataset.