Climate Risk Summary

Waipahu, HI Risk Profile

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

City-Wide Aggregation

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

Primary Risks

Inland Flooding

$17,752,780

Expected Annual Loss for Waipahu

85.3Score

Very High compared to US average

Waipahu
Minimal Estimated LossMax Estimated Loss

Earthquake

$1,895,065

Expected Annual Loss for Waipahu

77.5Score

Relatively Moderate compared to US average

Waipahu
Minimal Estimated LossMax Estimated Loss

Lightning

$537,942

Expected Annual Loss for Waipahu

91.2Score

Very High compared to US average

Waipahu
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$17,752,780
Score: 85.3
MAJOR DRIVER
Earthquake
$1,895,065
Score: 77.5
MAJOR DRIVER
Lightning
$537,942
Score: 91.2
Coastal Flooding
$19,570
Score: 46.9
Tornado
$21,008
Score: 5.5
Hurricane
$11,198
Score: 35.4
Wildfire
$2,371
Score: 13.3
Strong Wind
$2,298
Score: 3.5
Hail
$1,077
Score: 2.7
Landslide
$287
Score: 52.8

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: 85.3
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 77.5
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 91.2
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 52.8

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

East KapoleiEwa GentryEwa VillagesPearl CityRoyal Kunia

Zip Codes in Waipahu

9670696797