Natural hazards · Kamaili

Kamaili, HI natural hazards

Most of the natural-hazard damage FEMA expects in Kamaili comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 15 claims here since 1986.

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

Expected damage

How exposed is Kamaili?

Very high

vs. U.S. communities

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

Inland flooding48%Earthquakes39%Volcanic activity9%Everything else5%

By hazard

What Kamaili 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 · among the top 1% of U.S. places

Recorded about 6 times a year in the area

Earthquakes

39% of expected damage

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

Volcanic activity

9% of expected damage

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

Lower here

Coastal floodingHurricanesTornadoesHailWildfireLandslidesStrong windLightningTsunamis

Not a risk here

Ice stormsWinter weatherCold wavesHeat wavesDroughtAvalanches

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 Kamaili flood?

Every paid claim on a federal flood insurance policy in Kamaili, from FEMA’s records.

15paid claims since 1986

$880Kpaid to owners

0homes flooded more than once

19862026

Biggest named events

Hurricane Iselle: 5 claims, $315K

of all homes
are insured

No community discount. Kamaili 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 Kamaili

Federal disasters declared here

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

Brought FEMA money into KamailiDeclared 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. Kamaili covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Kamaili’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Kamaili. 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 Kamaili total about $7.6M 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.

Kamaili, HI natural hazards

How exposed is Kamaili?

What Kamaili faces

Inland flooding

Earthquakes

Volcanic activity

Lower here

Not a risk here

Does Kamaili flood?

Biggest named events

Federal disasters declared here

How to read this page

Where to, neighbor?

Matches

Nearby