Property Atlas

County hazard profile

Kauai, HI

Hawaii · pop. 73,136 · FIPS 15007

Relatively Moderate
FEMA risk rating · RATING
Landslide
dominant hazard
$61M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Kauai $61M

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 Moderate 84.45/100
national median ~50 higher than 84% of counties
Social vulnerabilityRelatively Low 22.58/100
national median ~50 among the lowest nationally
Community resilienceVery High 85.08/100
national median ~50 higher than 85% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in Kauai

The National Flood Insurance Program has paid 1,495 flood-insurance claims totaling $47.7M in Kauai since 1978. The costliest year was 1992 ($30.9M paid).

Flood-insurance dollars paid by year of loss

1978: $0 paid 1980: $0 paid 1981: $808 paid 1982: $1,355,330 paid 1983: $7,981 paid 1984: $14,061 paid 1985: $13,102 paid 1986: $9,899 paid 1987: $2,054 paid 1988: $74,215 paid 1989: $5,151 paid 1990: $3,590 paid 1991: $855,281 paid 1992: $30,870,882 paid 1993: $1,625 paid 1994: $26,183 paid 1995: $381,254 paid 1996: $35,087 paid 1997: $38,208 paid 1999: $93 paid 2000: $0 paid 2001: $26,931 paid 2002: $38,282 paid 2003: $0 paid 2004: $27,925 paid 2005: $89,701 paid 2006: $196,237 paid 2007: $2,328 paid 2008: $98,102 paid 2009: $228,309 paid 2010: $0 paid 2011: $9,456 paid 2012: $1,006,907 paid 2014: $0 paid 2016: $1,865 paid 2017: $33,329 paid 2018: $7,842,032 paid 2019: $143,174 paid 2020: $845,518 paid 2021: $109,936 paid 2022: $0 paid 2023: $0 paid 2024: $3,234,140 paid 2025: $35,049 paid 2026: $11,447 paid 1992 · $30.9M 1978 2026
$47.7M
total paid
$31,890
average claim
$1.4M
largest single claim
61%
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 Kauai, HI and where it ranks among U.S. counties. It is not a verdict on whether Kauai 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.