West Loch Estate, HI
West Loch Estate, HI's wildfire risk, in USFS's own numbers
USFS scores West Loch Estate at the 71st national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 1,347 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts West Loch Estate at the 69th percentile, close to its 71st-percentile risk score.
West Loch Estate's building exposure, zone by zone
Most of West Loch Estate's buildings (99.8% of 1,347) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Where West Loch Estate ranks
West Loch Estate's 71st national percentile looks worse in isolation than its 4th ranking inside Hawaii does — this place is on the milder end for its own state, by 67 points. Among the 31,521 US communities USFS scores, West Loch Estate ranks 9,011 for wildfire risk (1 is highest) and 9,846 by building count (1 is largest). Within Hawaii alone, it ranks 156 of 163 places by risk. See the full county-by-county picture for Hawaii on its state page.
Shopping for coverage in West Loch Estate
West Loch Estate's 71st-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
What would actually reduce this score
West Loch Estate's 99.8% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where West Loch Estate's figures come from
Every one of the two percentiles behind West Loch Estate's 9,011-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what West Loch Estate's dominant minimal exposure actually means, with real examples from across the dataset.