Natural hazards · Laie

Laie, HI natural hazards

Most of the natural-hazard damage FEMA expects in Laie comes from tsunamis, 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 Laie?

Very high

vs. U.S. communities

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

Tsunamis56%Inland flooding35%Everything else9%

By hazard

What Laie faces

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

Tsunamis

56% of expected damage

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

Inland flooding

35% of expected damage

Above average · higher than 69% of U.S. places

Recorded about 6 times a year in the area

Lower here

Coastal floodingHurricanesTornadoesHailWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Ice stormsWinter weatherCold wavesHeat wavesDroughtAvalanchesVolcanic 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 Laie flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Laie 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 Laie

4 federal disasters brought FEMA money here

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

Brought FEMA money into LaieDeclared for Honolulu County only

2026

Severe Storms, Flooding, Landslides, and Mudslides

174 households applied for aid $2.0M aid approved

2018

Severe Storms, Flooding, Landslides, and Mudslides

2 households applied for aid $5K aid approved

2008

Severe Storms and Flooding

137 households applied for aid $504K aid approved

2006

Severe Storms, Flooding, Landslides, and Mudslides

15 households applied for aid $41K aid approved

Honolulu County has had 22 natural disasters declared since 1953, most often floods 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. Laie 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 Laie’s own flood-insurance community; household aid to the registrant’s city; repair grants to Laie. 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.

Laie, HI natural hazards

How exposed is Laie?

What Laie faces

Tsunamis

Inland flooding

Lower here

Not a risk here

Does Laie flood?

4 federal disasters brought FEMA money here

Severe Storms, Flooding, Landslides, and Mudslides

Severe Storms, Flooding, Landslides, and Mudslides

Severe Storms and Flooding

Severe Storms, Flooding, Landslides, and Mudslides

How to read this page

Where to, neighbor?

Matches

Nearby