Does Honolulu have its own hazard scores?

No. Honolulu inherits Hawaii’s statewide ratings. Use this page to see which peril matters most locally (Hurricanes), then verify the exact address — two streets in Honolulu County can differ.

What should I check first in Honolulu?

Start with Hurricanes in Hawaii, then a ZIP lookup and the FEMA or USGS map that matches that hazard.

Honolulu, Hawaii home risk profile

What this page is

Honolulu sits in Honolulu County, Hawaii. This is a local briefing: it names the hazard that usually matters most here (Hurricanes), then shows the statewide ratings Hawaii homeowners use to decide what official map to open. It is not a flood-zone letter or an insurance quote.

Confirm the neighborhood with a ZIP lookup.
Open Hurricanes in Hawaii.
Verify the address on the official maps in the sidebar, then read a matching guide.

Honolulu is in Honolulu County, Hawaii. Hurricanes, coastal flooding, tsunami and occasional wildfire in dry leeward areas are the hazards Honolulu homeowners plan for.

The ratings below are state-level summaries used across Hawaii. Actual risk varies by neighborhood — always verify your address on FEMA flood maps, your county emergency management site and the official sources linked from each hazard page.

How to read the Honolulu snapshot

Honolulu is in Honolulu County, Hawaii. This page does not score individual streets. It tells you which statewide hazards matter most here, then points you to the official map for the address you care about.

The local focus is Hurricanes in Hawaii. Wind and flood are often different policies. A hurricane can trigger both. Check whether you have a percentage hurricane deductible.

Highest statewide ratings that apply in Honolulu

Flooding — Major. Hawaii's statewide flood risk is a 4 out of 5, and that number comes from real events — not just hurricane season. If…
Hurricanes — Moderate. If you're buying a home in Hawaii, hurricane risk is not zero—it's a 3 out of 5 statewide. The bigger everyday threat…
Wildfires — Moderate. If you're buying a home in Hawaii, don't assume wildfire is only a Big Island problem. The state gets a level 3 out of…

What to do before you buy or renew in Honolulu

Look up the ZIP on our ZIP tool so you land on this city or the Hawaii profile.
Open the Hurricanes page and follow the official map links in the sidebar.
Confirm preparedness guidance with Hawaii Emergency Management Agency.

Hazard ratings for Hawaii

These are state-level scores used across Honolulu. Use them as a starting point, then verify your exact address with the official maps linked on each hazard page.

Flooding Hawaii's statewide flood risk is a 4 out of 5, and that number comes from real events — not just hurricane season. If you're buying or… Major Hurricanes If you're buying a home in Hawaii, hurricane risk is not zero—it's a 3 out of 5 statewide. The bigger everyday threat is often flooding… Moderate Wildfires If you're buying a home in Hawaii, don't assume wildfire is only a Big Island problem. The state gets a level 3 out of 5 for wildfire risk,… Moderate Earthquakes Hawaii gets a level 3 out of 5 for earthquake risk, which is moderate but not nothing. Most of the action is on the Big Island, but quakes… Moderate Landslides Hawaii's steep volcanic slopes and heavy rain make landslides a real risk, and the state rates it a 3 out of 5. The tricky part is that… Moderate Extreme Heat Hawaii's extreme heat risk is moderate statewide, but leeward areas like Kona and Waianae get hit harder. Your homeowners insurance won't… Minor Drought Drought in Hawaii usually isn't a statewide emergency — it shows up as dry leeward slopes, low catchment tanks, and nervous ranchers in… Minor Severe Storms Hawaii's severe storm risk is a 2 out of 5, which means you're less likely to get a tornado than in the Plains, but you still get Kona… Minor Tornadoes Hawaii's tornado risk is low—level 1 out of 5—but rare storms do touch down here, mostly in winter and spring. If you own a home in… Minimal Winter Storms In Hawaii, winter storms are a level 1 risk, so most homes will never see snow or ice. But if you live up on Mauna Kea or Haleakala, a cold… Minimal

What the ratings mean

"MinimalMinorModerateMajorExtreme

Each rating is a statewide starting point, framed for a typical 30-year stay — the length of a standard mortgage. A neighborhood can look different from the state average. Always verify your address with official FEMA, NOAA or USGS maps.

Save this profile as a PDF for your records or insurance file.

Using the Honolulu profile

Does Honolulu have its own hazard scores?: No. Honolulu inherits Hawaii’s statewide ratings. Use this page to see which peril matters most locally (Hurricanes), then verify the exact address — two streets in Honolulu County can differ.
What should I check first in Honolulu?: Start with Hurricanes in Hawaii, then a ZIP lookup and the FEMA or USGS map that matches that hazard.
Will homeowners insurance cover Hurricanes here?: Wind and flood are often different policies. A hurricane can trigger both. Check whether you have a percentage hurricane deductible.

Last updated: October 8, 2026. Ratings are state-wide estimates — always verify your specific address with official sources.

Guides for Hawaii homeowners

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