Waiohinu, HI
Waiohinu wildfire risk explained
USFS scores Waiohinu at the 94th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 141 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Waiohinu's burn probability — fire likelihood with no building count factored in — sits at the 92nd percentile nationally.
Where Waiohinu's buildings actually sit
Direct exposure dominates in Waiohinu: 95.7% of its 141 buildings, versus 4.3% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Waiohinu compares
Waiohinu ranks lower within Hawaii (70th percentile statewide) than its 94th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Waiohinu ranks 1,828 for wildfire risk (1 is highest) and 27,239 by building count (1 is largest). Within Hawaii alone, it ranks 51 of 163 places by risk. See the full county-by-county picture for Hawaii on its state page.
Shopping for coverage in Waiohinu
At the 94th percentile nationally, Waiohinu 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
Waiohinu's 95.7% 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
Waiohinu's 94th-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 Waiohinu, see the exposure-zones guide.