STATE RISK ROLL-UP

Hawaii

Across 5 counties, FEMA rates 2 elevated or higher for overall natural-hazard risk. Here's what drives it — and where it concentrates.

How the counties rate

Low1

Moderate2

Elevated2

High0

Dominant hazards

The hazards most often rated elevated or higher across Hawaii's counties:

Flooding — 3 counties
Earthquake — 2 counties
Wildfire — 2 counties

Highest-risk counties

County	FEMA composite	Score
Hawaii County	Relatively High	99
Honolulu County	Relatively High	99
Maui County	Relatively Moderate	93
Kauai County	Relatively Moderate	84
Kalawao County	Very Low	0

State figures are a roll-up of FEMA National Risk Index county data (counts and rankings), not an official FEMA state rating. Risk is an estimate from a public model, not a guarantee — verify your specific insurance needs with a licensed professional. See the methodology.

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FEMA National Risk Index · as of 2026-07-08