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Natural hazards · Captain Cook

Captain Cook, HI natural hazards

Most of the natural-hazard damage FEMA expects in Captain Cook comes from inland flooding, and overall the risk is very high for a U.S. community. 5 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations
Expected damage

How exposed is Captain Cook?

100
Very high
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Captain Cook to be higher than in 100% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding57%Earthquakes27%Volcanic activity12%Everything else4%
By hazard

What Captain Cook faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

57% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about 6 times a year in the area

Earthquakes

27% of expected damage
Well above average · higher than 98% of U.S. places

Volcanic activity

12% of expected damage
Well above average · among the top 1% of U.S. places

Lower here

Coastal floodingHurricanesTornadoesHailCold wavesWildfireLandslidesStrong windLightningDroughtTsunamis

Not a risk here

Ice stormsWinter weatherHeat wavesAvalanches
Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Flood insurance claims

Does Captain Cook flood?

FEMA's records show no paid flood insurance claims in Captain Cook.

of all homes
are insured
No community discount. Captain Cook isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Hawaii County.
Disasters that hit Captain Cook

5 federal disasters brought FEMA money here

Disasters the President declared that paid out in Captain Cook itself: aid to households, or repair grants to Captain Cook.

Brought FEMA money into Captain CookDeclared for Hawaii County only
2026

Earthquake

182 households applied for aid $1.0M aid approved
2026

Severe Storms, Flooding, Landslides, and Mudslides

45 households applied for aid $303K aid approved
2023

Wildfires and High Winds

1 household applied for aid $700 aid approved
2018

Kilauea Volcanic Eruption and Earthquakes

5 households applied for aid
2006

Earthquake

84 households applied for aid $136K aid approved
Hawaii County has had 29 natural disasters declared since 1953, most often fires and hurricanes.
Around Captain Cook

Captain Cook and the towns around it

Honaunau-Napoopoo: Very high, mostly inland floodingKealakekua: Very high, mostly earthquakesHonalo: Very high, mostly inland floodingKahaluu-Keauhou: Very high, mostly earthquakesCaptain Cook: Very high, mostly inland flooding Captain CookHonaunau-NapoopooKealakekua
Very lowLowModerateHighVery high
Captain Cookmostly inland floodingVery high
Honaunau-Napoopoomostly inland floodingVery high
Kealakekuamostly earthquakesVery high
About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.
Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Captain Cook is smaller than a census tract, so it shares the figures of the tract around its center.
Money that reached townFlood claims are matched to Captain Cook’s own flood-insurance community; household aid to the registrant’s city; repair grants to Captain Cook. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/19 · 2025-01-01
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