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Natural hazards · Holualoa

Holualoa, HI natural hazards

Most of the natural-hazard damage FEMA expects in Holualoa comes from inland flooding, and overall the risk is very high for a U.S. community. 4 federal disasters brought FEMA money into town.

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

How exposed is Holualoa?

97
Very high
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Holualoa to be higher than in 97% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding48%Earthquakes41%Wildfire8%Everything else4%
By hazard

What Holualoa faces

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

Inland flooding

48% of expected damage
Well above average · higher than 96% of U.S. places
Recorded about 6 times a year in the area

Earthquakes

41% of expected damage
Well above average · higher than 96% of U.S. places

Wildfire

8% of expected damage
Well above average · higher than 97% of U.S. places

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesLandslidesStrong windLightningDroughtVolcanic activity

Not a risk here

Coastal floodingHeat wavesAvalanchesTsunamis
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 Holualoa flood?

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

of all homes
are insured
No community discount. Holualoa 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 Holualoa

4 federal disasters brought FEMA money here

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

Brought FEMA money into HolualoaDeclared for Hawaii County only
2026

Earthquake

6 households applied for aid $32K aid approved
2026

Severe Storms, Flooding, Landslides, and Mudslides

13 households applied for aid $38K aid approved
2018

Kilauea Volcanic Eruption and Earthquakes

2 households applied for aid
2006

Earthquake

136 households applied for aid $337K aid approved
Hawaii County has had 29 natural disasters declared since 1953, most often fires and hurricanes.
Around Holualoa

Holualoa and the towns around it

Kailua: Very high, mostly earthquakesKaloko: Very high, mostly inland floodingHonalo: Very high, mostly inland floodingKaiminani: Very high, mostly inland floodingKahaluu-Keauhou: Very high, mostly earthquakesKealakekua: Very high, mostly earthquakesHolualoa: Very high, mostly inland flooding HolualoaKailuaKalokoHonaloKaiminaniKahaluu-Keauhou
Very lowLowModerateHighVery high
Holualoamostly inland floodingVery high
Kalokomostly inland floodingVery high
Honalomostly inland floodingVery high
Kailuamostly earthquakesVery high
Kaiminanimostly inland floodingVery high
Kahaluu-Keauhoumostly 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. Holualoa 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 Holualoa’s own flood-insurance community; household aid to the registrant’s city; repair grants to Holualoa. 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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