Climate Risk Summary

Kaiminani, HI Risk Profile

The primary drivers of climate-related financial risk in Kaiminani, HI are Inland Flooding, Earthquake, and Volcanic Activity. This area also faces an unusually high intensity for Wildfire and Lightning compared to national averages.

City-Wide Aggregation

These scores represent the population-weighted average across all residential blocks in Kaiminani.

Primary Risks

Inland Flooding

$5,254,229

Expected Annual Loss for Kaiminani

92.9Score

Very High compared to US average

Kaiminani
Minimal Estimated LossMax Estimated Loss

Earthquake

$3,139,062

Expected Annual Loss for Kaiminani

94.8Score

Relatively High compared to US average

Kaiminani
Minimal Estimated LossMax Estimated Loss

Volcanic Activity

$335,794

Expected Annual Loss for Kaiminani

99.3Score

Relatively High compared to US average

Kaiminani (OUTLIER)
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$5,254,229
Score: 92.9
MAJOR DRIVER
Earthquake
$3,139,062
Score: 94.8
MAJOR DRIVER
Volcanic Activity
$335,794
Score: 99.3
UNUSUALLY HIGH
Wildfire
$222,598
Score: 95.0
UNUSUALLY HIGH
Lightning
$90,827
Score: 92.5
Hurricane
$21,191
Score: 53.4
Tornado
$2,342
Score: 3.6
Coastal Flooding
$1,752
Score: 35.9
Strong Wind
$549
Score: 4.4
Hail
$459
Score: 7.2
Landslide
$262
Score: 71.2
Drought
$108
Score: 71.8

Recommended investments to protect your property value and reduce insurance liability based on your local risk profile.

💧Medium Investment

Inland Flooding Mitigation

Install a smart sump pump with battery backup and extend downspouts 10ft from foundation.

Risk Score: 92.9
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 94.8
🏠Low Investment

Volcanic Activity Mitigation

General property maintenance and insurance review recommended.

Risk Score: 99.3
🔥Low Investment

Wildfire Mitigation

Create a 5ft 'non-combustible' zone around your home using gravel or pavers instead of mulch.

Risk Score: 95.0
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 92.5
🌀High Investment

Hurricane Mitigation

Install permanent hurricane shutters or upgrade to impact-resistant windows.

Risk Score: 53.4
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 71.2
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 71.8

Sources and Methodology

Spatial Aggregation

Our "Atlas" risk scores are derived using a population-weighted spatial join. Because US Zip Codes and Census Tracts do not share perfectly aligned boundaries, a simple geographic average would be misleading. We utilize US Census Block Group population statistics to identify where residents actually live within a Zip Code. We then intersect these points with FEMA National Risk Index (NRI) hazard data to calculate a weighted exposure score.

Financial Projections (EAL)

Expected Annual Loss (EAL) estimates the average economic impact of natural hazards in dollars per year. This calculation incorporates three components: Exposure (the value of structures and agriculture), Annualized Frequency (historical probability), and Historic Loss Ratio (vulnerability of the area).

Primary Data Sources

  • FEMA National Risk IndexHazard frequency and loss data (v1.20.0)
  • U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population

Nearby Cities

Captain CookHolualoaHonaunau-NapoopooKahaluu-KeauhouKailua

Zip Codes in Kaiminani