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Natural hazards · Kapolei

Kapolei, HI natural hazards

Most of the natural-hazard damage FEMA expects in Kapolei 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 Kapolei?

94
Very high
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Kapolei to be higher than in 94% of U.S. communities, mostly from inland flooding.

Inland flooding73%Wildfire13%Earthquakes12%Everything else2%
By hazard

What Kapolei faces

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

Inland flooding

73% of expected damage
Well above average · higher than 98% of U.S. places
Recorded about 6 times a year in the area

Wildfire

13% of expected damage
Well above average · higher than 98% of U.S. places

Earthquakes

12% of expected damage
Well above average · higher than 82% of U.S. places

Lower here

HurricanesTornadoesHailIce stormsLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingWinter weatherCold wavesHeat wavesAvalanchesTsunamisVolcanic activity
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 Kapolei flood?

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

of homes in flood zones
are insured
of all homes
are insured
No community discount. Kapolei isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Honolulu County.
Disasters that hit Kapolei

4 federal disasters brought FEMA money here

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

Brought FEMA money into KapoleiDeclared for Honolulu County only
2026

Severe Storms, Flooding, Landslides, and Mudslides

27 households applied for aid $37K aid approved
2018

Severe Storms, Flooding, Landslides, and Mudslides

1 household applied for aid
2008

Severe Storms and Flooding

6 households applied for aid
2006

Severe Storms, Flooding, Landslides, and Mudslides

3 households applied for aid
Honolulu County has had 22 natural disasters declared since 1953, most often floods and hurricanes.
Around Kapolei

Kapolei and the towns around it

East Kapolei: Very high, mostly inland floodingMakakilo: Very high, mostly inland floodingKalaeloa: Very high, mostly inland floodingEwa Villages: Very high, mostly inland floodingWest Loch Estate: Very high, mostly inland floodingWaipahu: Very high, mostly inland floodingEwa Gentry: Very high, mostly inland floodingOcean Pointe: Very high, mostly inland floodingKapolei: Very high, mostly inland flooding KapoleiEast KapoleiMakakiloKalaeloaEwa Villages
Very lowLowModerateHighVery high
East Kapoleimostly inland floodingVery high
Ewa Villagesmostly inland floodingVery high
Kapoleimostly inland floodingVery high
Makakilomostly inland floodingVery high
Kalaeloamostly 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. Kapolei covers 4 census tracts, combined by population.
Money that reached townFlood claims are matched to Kapolei’s own flood-insurance community; household aid to the registrant’s city; repair grants to Kapolei. 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 Kapolei total about $13.3M 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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