Property Atlas

County hazard profile

Maui, HI

Hawaii · pop. 164,632 · FIPS 15009

Relatively Moderate
FEMA risk rating · RATING
Volcanic Activity
dominant hazard
$132M
modeled expected annual loss/yr

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

near the national middle (41st percentile)

national median $15M/yr Maui $132M

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 93.13/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively Moderate 41.28/100
national median ~50 near the national middle (41st percentile)
Community resilienceVery High 86.42/100
national median ~50 higher than 86% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in Maui

The National Flood Insurance Program has paid 812 flood-insurance claims totaling $18.4M in Maui since 1978. The costliest year was 2023 ($3.8M paid).

Flood-insurance dollars paid by year of loss

1978: $1,217 paid 1979: $4,090 paid 1980: $30,547 paid 1981: $0 paid 1982: $336,996 paid 1983: $130 paid 1984: $0 paid 1985: $32,305 paid 1986: $3,669 paid 1987: $0 paid 1988: $87,295 paid 1989: $26,356 paid 1990: $4,109 paid 1992: $343,148 paid 1993: $189,831 paid 1995: $41,137 paid 1996: $29,860 paid 1997: $424,748 paid 1998: $15,025 paid 1999: $20,155 paid 2000: $79,667 paid 2001: $120,594 paid 2002: $176,667 paid 2003: $370,018 paid 2004: $156,939 paid 2005: $35,001 paid 2006: $129,260 paid 2007: $1,486,369 paid 2008: $0 paid 2010: $516,192 paid 2011: $1,453,025 paid 2012: $33,395 paid 2013: $13,589 paid 2014: $3,853 paid 2015: $0 paid 2016: $301,656 paid 2017: $435,132 paid 2018: $188,760 paid 2019: $0 paid 2020: $0 paid 2021: $2,482,209 paid 2022: $25,482 paid 2023: $3,797,508 paid 2024: $121,032 paid 2025: $1,592,981 paid 2026: $3,305,399 paid 2023 · $3.8M 1978 2026
$18.4M
total paid
$22,679
average claim
$972K
largest single claim
72%
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 Maui, HI and where it ranks among U.S. counties. It is not a verdict on whether Maui 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.