Climate Risk Summary

Kapalua, HI Risk Profile

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

City-Wide Aggregation

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

Primary Risks

Inland Flooding

$403,818

Expected Annual Loss for Kapalua

57.8Score

Relatively Moderate compared to US average

Kapalua
Minimal Estimated LossMax Estimated Loss

Earthquake

$363,143

Expected Annual Loss for Kapalua

87.3Score

Relatively Moderate compared to US average

Kapalua
Minimal Estimated LossMax Estimated Loss

Tsunami

$146,785

Expected Annual Loss for Kapalua

80.8Score

Relatively Moderate compared to US average

Kapalua
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$403,818
Score: 57.8
MAJOR DRIVER
Earthquake
$363,143
Score: 87.3
MAJOR DRIVER
Tsunami
$146,785
Score: 80.8
Lightning
$7,400
Score: 52.2
Hurricane
$4,787
Score: 50.8
UNUSUALLY HIGH
Coastal Flooding
$3,037
Score: 83.8
Wildfire
$969
Score: 71.3
Tornado
$487
Score: 2.6
Hail
$25
Score: 1.3
Strong Wind
$23
Score: 0.5
UNUSUALLY HIGH
Volcanic Activity
$3
Score: 80.0
Landslide
$0
Score: 20.0
Drought
$0
Score: 66.8

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: 57.8
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 87.3
🏠Low Investment

Tsunami Mitigation

General property maintenance and insurance review recommended.

Risk Score: 80.8
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 52.2
🌀High Investment

Hurricane Mitigation

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

Risk Score: 50.8
🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 83.8
🔥Low Investment

Wildfire Mitigation

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

Risk Score: 71.3
🏠Low Investment

Volcanic Activity Mitigation

General property maintenance and insurance review recommended.

Risk Score: 80.0
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 66.8

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

KaanapaliKahuluiLahainaMahinahinaNapili-Honokowai

Zip Codes in Kapalua

96761