Hawaii natural disaster risk
Ratings for all 5 counties, the federal disaster record and flood insurance across the state.
39major disasters since 1953 (36th most)
$1.1Bexpected losses a year
4%of homes with flood insurance
Hawaii has had 39 major federal disaster declarations for natural events since 1953. FEMA expects about $1.1 billion a year in losses from natural hazards across the state. Inland flooding is the costliest hazard in 5 of its 5 counties. None is rated Very High overall. About 4% of homes carry federal flood insurance, and the program has paid $167 million on 6,183 claims here since 1978.
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Top hazards
Inland floodingtop risk in 5 counties
Recent federal declarations
All states ›Oct 7, 2026Hurricane LalaMajor disaster
Oct 7, 2026Hurricane LowellMajor disaster
Sep 25, 2026Tropical Storm NoloEmergency
Sep 1, 2026EarthquakeMajor disaster
Aug 25, 2026Hurricane LalaEmergency
All 5 counties
| Name | People | Overall risk | Top hazard | Declarations | Homes insured |
|---|---|---|---|---|---|
| Hawaii County | 200,469 | Inland flooding | 33 | 1.8% | |
| Honolulu County | 1,013,620 | Inland flooding | 23 | 4.1% | |
| Kalawao County | 82 | Inland flooding | 1 | 0% | |
| Kauai County | 73,136 | Inland flooding | 17 | 7% | |
| Maui County | 164,632 | Inland flooding | 31 | 4.8% |
Linked names have a full page. Overall risk from the FEMA National Risk Index (December 2025); declarations are federal disaster and emergency declarations for natural events since 1953 (OpenFEMA); homes insured is the share with NFIP flood policies.