Risk Index · Honolulu County · 2026-06-13
Honolulu, HI real-estate risk
- Risk score
- 98.8/100
- Relatively High
- Expected annual loss
- $517M
- all hazards, county-wide
- Buildings-only loss
- $449M
- what owners and insurers carry
- Population
- 1.0M
- Honolulu County
Honolulu, HI (Honolulu County) carries a FEMA National Risk Index score of 98.8/100, rated "Relatively High" and driven mainly by riverine flood and wildfire, with roughly $517M in expected natural-hazard losses per year (FEMA NRI, 2025).
Exhibit 1 · Hazard scores, national percentile
95th percentile- Riverine flood99.3
- Wildfire99
- Earthquake98.6
- Coastal flood75.6
- Hurricane73.3
- Tornado33.2
- Drought13.5
- Hail10.9
- Strong wind7.9
Each score is the county's percentile against every US county for that hazard (0-100).
What it means for insurance
Riverine flood is the line to verify: an SFHA designation triggers mandatory NFIP coverage and a hard line-item most pro formas understate.
Honolulu risk questions
Is Honolulu, HI a high-risk area for real estate?
Honolulu scores 98.8/100 on FEMA's National Risk Index, rated "Relatively High" versus all US counties. Its expected natural-hazard loss is about $517M per year.
What is the biggest natural hazard in Honolulu?
The highest-rated hazard is riverine flood (99.3/100), followed by wildfire (99/100).
How does hazard risk affect property insurance in Honolulu?
Riverine flood is the line to verify: an SFHA designation triggers mandatory NFIP coverage and a hard line-item most pro formas understate.
Source: FEMA National Risk Index (Counties), v1.20 (2026-06-13). Scores are national percentiles (0-100). Insurance commentary is PropHunt's interpretation of the hazard data, not an insurance quote.