Twisted and charred aluminum combined with shards of glass nonetheless traces the ground of the commercial warehouse the place Victoria Martocci as soon as operated her scuba diving enterprise. After a wildfire tore via West Maui, all that remained of her 36-foot boat, the Prolonged Horizons II, had been a pair of engines.

That was six months in the past, however Ms. Martocci and her husband, Erik Stein, who’re weighing whether or not to rebuild the enterprise, which he began in 1983, stated the identical questions stuffed their ideas. “What’s going to this island appear to be?” Ms. Martocci requested. “Will issues ever be near being the identical?”

In early August, what started as a brush fireplace burst into the city of Lahaina, a well-liked vacationer vacation spot, all however leveling it, destroying massive swaths of West Maui and killing at the least 100 individuals within the nation’s deadliest wildfire in additional than a century.

The native financial system stays in disaster.

Rebuilding the city, in line with some estimates, will value greater than $5 billion and take a number of years. And tense divisions nonetheless stay over whether or not Lahaina, whose financial system lengthy relied virtually totally on tourism, ought to contemplate a brand new method ahead.

Debates concerning the ethics of touring to decimated vacationer locations performed out on social media after an earthquake in Morocco and wildfires in Greece final 12 months. However the state of affairs is especially dire for Maui.

State and federal officers scrambled final summer time to seek out shelter for hundreds of residents who had misplaced their properties, relocating individuals to native inns and short-term leases the place many nonetheless stay, usually sharing a wall with vacationing households whose realities really feel removed from their very own. Different displaced residents stay in tents on the seaside, and a few restaurant house owners pivoted to figuring out of meals vehicles.

About 600 small companies — half the quantity registered in Lahaina earlier than the fires — are nonetheless not operational, in line with the Hawaii Small Enterprise Improvement Heart.

A latest report from the College of Hawaii Financial Analysis Group predicted that statewide customer spending this 12 months would decline about 5 p.c, or $1 billion, from 2023. The decline in tourism is sort of fully confined to Maui, in line with the report.

Carl Bonham, the group’s government director, stated the scope and pace of Maui’s restoration remained an open query. It relies upon, Mr. Bonham stated, on a number of elements, together with how briskly “displaced residents may be moved from inns to extra everlasting housing, the pace of ongoing cleanup work, the extent and period of help applications.”

Within the weeks after the fires, politicians, Hollywood film stars, native activists and even the state’s tourism authority urged vacationers to keep away from parts of the devastated island.

“Maui isn’t the place to have your trip proper now,” the actor Jason Momoa, a local of Hawaii, wrote on Instagram. “Don’t persuade your self that your presence is required on an island that’s struggling this deeply.”

These messages, some right here imagine, have had a lingering impact on tourism.

A month after the fires, Gov. Josh Inexperienced, a Democrat, introduced that West Maui communities round Lahaina would formally reopen in October. It was an try, he stated in an interview, to avoid wasting the native financial system.

“If we weren’t clear and really direct about after we had been going to reopen, then the lingering results of uncertainty would destroy your entire financial system on Maui,” Mr. Inexperienced stated. “Folks weren’t coming again.”

Regardless of the proclamation, the return has been gradual. Many enterprise house owners have not too long ago obtained approval for reconstruction loans from the U.S. Small Enterprise Administration. The company has authorised roughly $290 million in loans — about $101 million for companies and practically $189 million for properties. The state and a number of other nonprofit teams have additionally rolled out grant cash to assist small-business house owners.

However life in Lahaina nonetheless seems like limbo.

Tanna Swanson, an in depth buddy of Ms. Martocci and Mr. Stein, spends a number of time on the couple’s home north of Lahaina, doing 2,000-piece puzzles to assist move time and distract herself. She owned the Maui Visitor Home, a five-bedroom bed-and-breakfast that burned within the fires. It was her residence as nicely.

She has stayed, since then, in a stream of inns and couch-surfed at mates’ properties, transferring eight instances. In December, Ms. Swanson, 66, obtained a Small Enterprise Administration mortgage for $270,000.

She wouldn’t have obtained it — the mountains of paperwork and emotional toll of the method had lengthy deterred her, she stated — if she had not met in individual with a Small Enterprise Administration consultant who got here to Maui to satisfy with enterprise house owners.

She hopes to see extra such direct outreach, she stated, to scale back bureaucratic delays.

On a latest afternoon, Ms. Swanson used her customer’s move to get into her neighborhood, which the native authorities have blocked off to forestall looting of burned properties.

The desolate swimming pool and some melted metal deal with numbers on a concrete wall are all that stay of the bed-and-breakfast, the place, since 1988, she had welcomed visitors from around the globe, who took in ocean views from the highest deck.

She seemed on the scorched palm timber and considered her former staff — 5 on the time of the fires — and the way, like her, that they had misplaced their livelihoods in a single day.

“My all the things — gone in a matter of moments,” she stated. “It’s not simply me. It’s the entire group, the entire island.”

An hour away, alongside two-lane roads the place a number of vacationers nonetheless pull over to glimpse humpback whales within the waters beneath, Britney Alejo-Fishell owns Haku Maui.

Her store in Makawao, a rural stretch of Maui removed from Lahaina, sells conventional Hawaiian leis and holds workshops to create them. A lot of her enterprise comes from celebrations amongst vacationers, who previously flocked to the island. That has all however dried up, stated Ms. Alejo-Fishell, who stated her income dropped 80 p.c final fall after the fires. Since then, she has seen a slight uptick.

Earlier than instructing a lei-making class on a latest morning, she mentioned the troubles her family-owned enterprise had confronted lately. She was compelled to shutter her enterprise for a 12 months in the course of the Covid-19 pandemic, after which, only some months after enterprise started to select as much as prepandemic ranges, the fires engulfed West Maui. She has been residing off a diminished earnings and is hesitant to tackle authorities loans.

“The telephone began ringing with cancellations of orders, and it’s been ongoing,” she stated. “We had survived Covid, however now this is sort of a second Covid state of affairs yet again.”

A Native Hawaiian, Ms. Alejo-Fishell stated the wildfires had affected many acquaintances, together with mates who misplaced family members and their properties.

“They’re grieving and might be for a while,” she stated. However, she added, “tourism is our financial system, and we want it to outlive.”

Again in Lahaina, the tragedy of Aug. 8 performs on repeat for Ms. Martocci. She had a scuba expedition scheduled for that day however canceled it due to excessive winds. Hoping to test on the warehouse, she and Mr. Stein rushed down the Honoapiʻilani Freeway, which was choked with visitors due to downed energy traces and the rising rush of evacuees. The couple rotated, however they spoke on the telephone with Ms. Swanson, who informed them she had evacuated and seen thick black smoke, which signifies a structural fireplace, within the path of their warehouse.

“We didn’t know if it was gone, however we had a sense,” Ms. Martocci stated.

In latest months, she and Mr. Stein have began salvaging their enterprise. They thought-about whether or not it made sense to maneuver, however Ms. Martocci had by no means felt extra at peace than within the clear blue waters off Maui.

Not too long ago, they’ve labored with the Small Enterprise Administration and have obtained a $700,000 mortgage. However at 64, Mr. Stein is uneasy about taking up the debt he would wish to rebuild, particularly contemplating how a lot uncertainty stays.

He wants a renewed allow with the state’s boating division to run his enterprise, however to get one he wants a ship — and for now, the marine facility they’ve used for the previous 40 years stays partly closed.

“We’re in such a holding sample,” he stated. “There is no such thing as a sense of when it should loosen up.”

Ms. Martocci stated she had come to consider their group as a painful Venn diagram, through which everybody is aware of somebody who misplaced a beloved one, a house or a enterprise. Some misplaced all three.

“The place all of us knew and beloved is eternally modified,” she stated. “We simply know we’ve to maintain transferring ahead and discover some sense of normalcy.”