Waipio Acres, HI
How exposed is Waipio Acres to wildfire?
Waipio Acres sits at the 86th 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 980 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 Waipio Acres at the 84th percentile, close to its 86th-percentile risk score.
Where Waipio Acres's buildings actually sit
91.6% of Waipio Acres's 980 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 8.4% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
How Waipio Acres compares
Waipio Acres's 86th national percentile looks worse in isolation than its 24th ranking inside Hawaii does — this place is on the milder end for its own state, by 63 points. Among the 31,521 US communities USFS scores, Waipio Acres ranks 4,412 for wildfire risk (1 is highest) and 12,070 by building count (1 is largest). Within Hawaii alone, it ranks 125 of 163 places by risk. See the full county-by-county picture for Hawaii on its state page.
Waipio Acres and the insurance market
At the 86th percentile nationally, Waipio Acres 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 Waipio Acres
With ember exposure the dominant pattern in Waipio Acres (91.6% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
Waipio Acres's 86th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Waipio Acres, see the exposure-zones guide.