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Natural hazards · Fern Forest

Fern Forest, HI natural hazards

Most of the natural-hazard damage FEMA expects in Fern Forest comes from inland flooding, 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 Fern Forest?

100
Very high
vs. U.S. communities

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

Inland flooding45%Earthquakes40%Volcanic activity10%Everything else5%
By hazard

What Fern Forest faces

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

Inland flooding

45% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about 6 times a year in the area

Earthquakes

40% of expected damage
Well above average · among the top 1% of U.S. places

Volcanic activity

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

Lower here

HurricanesTornadoesHailWildfireLandslidesStrong windLightning

Not a risk here

Coastal floodingIce stormsWinter weatherCold wavesHeat wavesDroughtAvalanchesTsunamis
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 Fern Forest flood?

FEMA's records show no paid flood insurance claims in Fern Forest.

of all homes
are insured
No community discount. Fern Forest 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 Fern Forest

Federal disasters declared here

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

Brought FEMA money into Fern ForestDeclared for Hawaii County only
Hawaii County has had 29 natural disasters declared since 1953, most often fires and hurricanes.
Around Fern Forest

Fern Forest and the towns around it

Mountain View: Very high, mostly inland floodingEden Roc: Very high, mostly inland floodingRoyal Hawaiian Estates: Very high, mostly inland floodingKurtistown: Very high, mostly inland floodingFern Acres: Very high, mostly inland floodingHawaiian Acres: Very high, mostly inland floodingVolcano: Very high, mostly inland floodingFern Forest: Very high, mostly inland flooding Fern ForestMountain ViewEden RocRoyal Hawaiian Estates
Very lowLowModerateHighVery high
Fern Forestmostly inland floodingVery high
Mountain Viewmostly inland floodingVery high
Eden Rocmostly inland floodingVery high
Royal Hawaiian Estatesmostly inland floodingVery 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. Fern Forest covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Fern Forest’s own flood-insurance community; household aid to the registrant’s city; repair grants to Fern Forest. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Fern Forest total about $5.2M a year, counting buildings, people and crops.

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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