Kaloko’s biggest natural hazard is inland flooding
Most of the natural-hazard damage FEMA expects in Kaloko comes from inland flooding, and overall the risk is very high for a U.S. community.
What stands out about Kaloko’s weather risks
Read from FEMA’s records below. The page puts what stands out first.
Does Kaloko flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Kaloko. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Kaloko 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.How exposed is Kaloko?
FEMA expects yearly storm and flood damage to homes and buildings here to be higher than in 97% of U.S. communities, mostly from inland flooding and earthquakes.
Rated higher than 95 of the 163 Hawaii towns we cover.
Kaloko is smaller than a census tract, so it shares the figures of the tract around its center.
What Kaloko faces
Each hazard’s share of the damage FEMA expects here, and how it compares with the rest of the country.
Inland flooding
Earthquakes
Wildfire
Federal disasters declared here
None of the disasters declared for Hawaii County shows FEMA aid or repair money reaching Kaloko itself in FEMA’s records.
Hawaii County has had 29 natural disasters declared since 1953, most often fires and hurricanes.
Get ready for what Kaloko actually faces
A short kit for its top hazards, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- Clear dead leaves and brush within 5 feet of the house.
- Sign up for local alerts and know two ways out.
- Keep N95 masks for smoky days.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Kaloko and its neighbors
Kaloko ranks 2nd calmest of 3 towns around it. Tap a town to see its hazards.
Rating = expected yearly storm and flood damage as a share of what’s there, vs. U.S. communities. Flood claims = paid federal flood insurance claims on record.
Most disasters here begin in August–October
The month each of Hawaii County’s 29 declared disasters began, since 1953.
What these numbers can and can’t tell you
- An average, not a forecast. FEMA’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 there, so a big city isn’t rated riskier just for having more buildings.
- Money that reached town. Flood claims are matched to Kaloko’s own flood-insurance community; household aid to the registrant’s city; repair grants to Kaloko.
- It follows property value. FEMA’s model weighs damage to buildings, so a place that recently lost many homes can rate lower than it feels.
Storm stories
Memories, warnings and help from neighbors in Kaloko.
Your answer becomes a post in Town Square.
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. Weather alerts: National Weather Service. Preparedness tips: Ready.gov. An average of past damage, not a forecast.