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Natural hazards · Discovery Harbour

Discovery Harbour, HI natural hazards

Most of the natural-hazard damage FEMA expects in Discovery Harbour comes from earthquakes, and overall the risk is very high for a U.S. community.

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

How exposed is Discovery Harbour?

100
Very high
vs. U.S. communities

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

Earthquakes48%Inland flooding37%Volcanic activity10%Everything else5%
By hazard

What Discovery Harbour faces

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

Earthquakes

48% of expected damage
Well above average · among the top 1% of U.S. places

Inland flooding

37% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about 6 times a year in the area

Volcanic activity

10% of expected damage
Well above average · among the top 1% of U.S. places

Lower here

Coastal floodingHurricanesTornadoesHailWildfireLandslidesStrong windLightningDroughtTsunamis

Not a risk here

Ice stormsWinter weatherCold wavesHeat 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 Discovery Harbour flood?

FEMA's records show no paid flood insurance claims in Discovery Harbour.

of all homes
are insured
No community discount. Discovery Harbour 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 Discovery Harbour

Federal disasters declared here

None of the disasters declared for Hawaii County shows FEMA aid or repair money reaching Discovery Harbour itself in FEMA’s records.

Brought FEMA money into Discovery HarbourDeclared for Hawaii County only
Hawaii County has had 29 natural disasters declared since 1953, most often fires and hurricanes.
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. Discovery Harbour 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 Discovery Harbour’s own flood-insurance community; household aid to the registrant’s city; repair grants to Discovery Harbour. 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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