Whitmore Village, HI
Whitmore Village wildfire risk explained
Whitmore Village sits at the 92nd 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 833 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Whitmore Village at the 91st national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
USFS puts 96.4% of Whitmore Village's 833 buildings in the Indirect exposure zone, versus 3.6% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
How Whitmore Village compares
Whitmore Village's 92nd national percentile looks worse in isolation than its 55th ranking inside Hawaii does — this place is on the milder end for its own state, by 37 points. Among the 31,521 US communities USFS scores, Whitmore Village ranks 2,486 for wildfire risk (1 is highest) and 13,313 by building count (1 is largest). Within Hawaii alone, it ranks 74 of 163 places by risk. See the full county-by-county picture for Hawaii on its state page.
Shopping for coverage in Whitmore Village
Whitmore Village's very high rating (92nd percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
What would actually reduce this score
Whitmore Village's 96.4% 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 Whitmore Village's figures come from
Whitmore Village's 92nd-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 Whitmore Village's dominant indirect exposure actually means, with real examples from across the dataset.