Property Atlas

County hazard profile

Honolulu, HI

Hawaii · pop. 1,013,620 · FIPS 15003

Relatively High
FEMA risk rating · RATING
Lightning
dominant hazard
$517M
modeled expected annual loss/yr

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

among the highest nationally

national median $15M/yr Honolulu $517M

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 98.76/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively Low 25.89/100
national median ~50 lower than most counties (26th percentile)
Community resilienceRelatively High 62.63/100
national median ~50 near the national middle (63rd percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Honolulu

The National Flood Insurance Program has paid 3,045 flood-insurance claims totaling $68.2M in Honolulu since 1978. The costliest year was 2018 ($22.1M paid).

Flood-insurance dollars paid by year of loss

1978: $48,301 paid 1979: $84,943 paid 1980: $242,979 paid 1981: $56,703 paid 1982: $1,766,741 paid 1983: $185,083 paid 1984: $211,810 paid 1985: $107,516 paid 1986: $143,320 paid 1987: $1,012,183 paid 1988: $1,420,237 paid 1989: $77,735 paid 1990: $91,984 paid 1991: $1,018,216 paid 1992: $3,811,570 paid 1993: $38,797 paid 1994: $109,326 paid 1995: $417,004 paid 1996: $758,475 paid 1997: $15,634 paid 1998: $64,222 paid 1999: $52,077 paid 2000: $31,611 paid 2001: $11,222 paid 2002: $36,027 paid 2003: $1,053,069 paid 2004: $551,511 paid 2005: $66,766 paid 2006: $3,395,412 paid 2007: $11,785 paid 2008: $4,726,226 paid 2009: $62,195 paid 2010: $211,703 paid 2011: $482,022 paid 2012: $889,541 paid 2013: $76,576 paid 2014: $777,531 paid 2015: $910,832 paid 2016: $3,819,284 paid 2017: $557,776 paid 2018: $22,072,244 paid 2019: $95,526 paid 2020: $118,052 paid 2021: $4,977,014 paid 2022: $82,431 paid 2023: $698,319 paid 2024: $116,347 paid 2025: $121,693 paid 2026: $10,514,972 paid 2018 · $22.1M 1978 2026
$68.2M
total paid
$22,398
average claim
$721K
largest single claim
65%
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 Honolulu, HI and where it ranks among U.S. counties. It is not a verdict on whether Honolulu 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.