Climate Risk Summary

Urban Honolulu, HI Risk Profile

The primary drivers of climate-related financial risk in Urban Honolulu, HI are Inland Flooding, Earthquake, and Lightning.

City-Wide Aggregation

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

Primary Risks

Inland Flooding

$101,557,544

Expected Annual Loss for Urban Honolulu

62.0Score

Very High compared to US average

Urban Honolulu
Minimal Estimated LossMax Estimated Loss

Earthquake

$55,650,172

Expected Annual Loss for Urban Honolulu

80.1Score

Very High compared to US average

Urban Honolulu
Minimal Estimated LossMax Estimated Loss

Lightning

$4,610,937

Expected Annual Loss for Urban Honolulu

85.5Score

Very High compared to US average

Urban Honolulu
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$101,557,544
Score: 62.0
MAJOR DRIVER
Earthquake
$55,650,172
Score: 80.1
MAJOR DRIVER
Lightning
$4,610,937
Score: 85.5
Wildfire
$2,037,638
Score: 30.3
Landslide
$1,191,367
Score: 54.6
Coastal Flooding
$1,362,468
Score: 28.8
Hurricane
$452,658
Score: 43.6
Tornado
$270,857
Score: 6.1
Strong Wind
$23,489
Score: 3.1
Hail
$15,851
Score: 3.6
Drought
$0
Score: 0.6

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: 62.0
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 80.1
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 85.5
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 54.6

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

AieaEast HonoluluHalawaHeeiaHickam Housing

Zip Codes in Urban Honolulu

96813968149681596816968179681896819968219682296826968509685396859