Property Atlas

County hazard profile

Hawaii, HI

Hawaii · pop. 200,469 · FIPS 15001

Relatively High
FEMA risk rating · RATING
Volcanic Activity
dominant hazard
$365M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

among the highest nationally

national median $15M/yr Hawaii $365M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

FEMA national percentile scores

FEMA/CDC score each county 0–100 against all others — the score is the national rank (RATING). Higher risk and vulnerability are worse; higher resilience is better.

FEMA risk indexRelatively High 98.51/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively Moderate 56.77/100
national median ~50 near the national middle (57th percentile)
Community resilienceRelatively Moderate 56.68/100
national median ~50 near the national middle (57th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Hawaii

The National Flood Insurance Program has paid 796 flood-insurance claims totaling $22.4M in Hawaii since 1978. The costliest year was 2011 ($10.5M paid).

Flood-insurance dollars paid by year of loss

1978: $80,413 paid 1979: $77,014 paid 1980: $747,583 paid 1981: $28,369 paid 1982: $212,766 paid 1983: $121,277 paid 1985: $90,416 paid 1986: $1,053,121 paid 1987: $23,180 paid 1988: $10,720 paid 1989: $5,343 paid 1990: $0 paid 1991: $49,532 paid 1992: $776,706 paid 1993: $44,569 paid 1994: $352,906 paid 1995: $272,909 paid 1996: $27,571 paid 1998: $25,470 paid 1999: $0 paid 2000: $1,797,173 paid 2001: $26,734 paid 2002: $366,857 paid 2003: $338,549 paid 2004: $113,646 paid 2005: $37,138 paid 2006: $30,099 paid 2007: $68,829 paid 2008: $299,787 paid 2009: $0 paid 2010: $9,628 paid 2011: $10,495,791 paid 2013: $89,104 paid 2014: $825,025 paid 2015: $94,718 paid 2016: $4,856 paid 2017: $0 paid 2018: $623,038 paid 2019: $101,825 paid 2020: $94,191 paid 2021: $63,934 paid 2022: $1,902,353 paid 2023: $0 paid 2024: $383,104 paid 2025: $348,158 paid 2026: $256,379 paid 2011 · $10.5M 1978 2026
$22.4M
total paid
$28,104
average claim
$700K
largest single claim
71%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

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What this is — and is not

This is FEMA/CDC modeled hazard exposure for Hawaii, HI and where it ranks among U.S. counties. It is not a verdict on whether Hawaii is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.