Wailuku, HI
Wailuku, HI's wildfire risk, in USFS's own numbers
Wailuku's 5,081 buildings earn a 94th-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Wailuku's burn probability — fire likelihood with no building count factored in — sits at the 91st percentile nationally.
Wailuku's building exposure, zone by zone
Indirect exposure is dominant in Wailuku (63.3% of 5,081 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 16.2% sit in the Direct zone. At 5,081 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Wailuku against the rest of the country
Wailuku's 94th national percentile looks worse in isolation than its 72nd ranking inside Hawaii does — this place is on the milder end for its own state, by 22 points. Among the 31,521 US communities USFS scores, Wailuku ranks 1,758 for wildfire risk (1 is highest) and 3,391 by building count (1 is largest). Within Hawaii alone, it ranks 46 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 94th percentile nationally, Wailuku 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.
Hardening a home in Wailuku
Because 63.3% of Wailuku's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Wailuku's figures come from
Wailuku's 94th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Wailuku's dominant indirect exposure actually means, with real examples from across the dataset.