Honolulu, HI real-estate risk
Honolulu, HI (Honolulu County) carries a FEMA National Risk Index score of 98.8/100 — rated "Relatively High" — driven mainly by riverine flood and wildfire, with roughly $517M in expected natural-hazard losses per year (FEMA NRI, 2025).
Hazard scores (0–100)
Expected annual loss
$517M/yr
all natural hazards, county-wide
Buildings-only loss
$449M/yr
the part that hits owners + insurers
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 — FAQ
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.
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Drop in any Honoluluaddress and PropHunt's AI pulls the cap rate, comps, permit history and the full hazard/insurance read — no card required.
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.
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