Hawaii natural disaster risk
Hawaii ranks #48 of 51 from the lowest population-weighted county-score mean in our state comparison. Its highest hazard-score means are riverine flooding, wildfire, lightning.
RelocateMath computes these state means by weighting FEMA county scores by population. A mean of county percentiles is not a national state percentile or an official FEMA state rating.
The vertical line marks county-score scale midpoint (50).
Find your county's risk in Hawaii
All 5 county rows with a FEMA score are available below, initially ordered by population.
| County | Population | Risk score | FEMA rating |
|---|---|---|---|
| Honolulu County | 1,001,146 | 98.8 | Relatively High |
| Hawaii County | 205,769 | 98.5 | Relatively High |
| Maui County | 164,522 | 93.1 | Relatively Moderate |
| Kauai County | 73,731 | 84.4 | Relatively Moderate |
| Kalawao County | 67 | 0.1 | Very Low |
The county rows show FEMA's own county percentile scores and rating categories; the state figures above are our weighted means. County data cannot establish a property's safety. Expected loss is modeled annual loss per resident, not a premium quote. The insurance figure is what owners with a mortgage reported paying in 2024 (Census American Community Survey), not a current quote. For a specific home, check the address on FEMA's flood map and get insurance quotes before you commit. Our guide explains how to check natural disaster risk before you move.
Lowest FEMA county risk scores in Hawaii
- Kauai County 84.4
- Maui County 93.1
- Hawaii County 98.5
- Honolulu County 98.8
Cities in Hawaii
- Honolulu, HI county-score mean 98.8
Frequently asked questions
Is Hawaii safe from natural disasters?
Hawaii's population-weighted county-score mean is 97.4 out of 100 (very high county-score mean), #48 of 51 from the lowest mean in our state comparison. A state average cannot show whether an individual home is safe. About 84% of residents live in counties FEMA rates relatively high or very high.
What natural disasters happen in Hawaii?
The highest population-weighted county hazard-score means in Hawaii are riverine flooding, wildfire, lightning (means 98, 98, 98 on the 0–100 county-score scale). These are not national state percentiles.
Which counties have the lowest modeled risk scores in Hawaii?
Among counties with at least 20,000 people, the lowest FEMA county risk scores are in Kauai County, Maui County, Hawaii County. Conditions vary within each county; check an individual address separately.