Natural Disaster Risk in Kahului
Hawaii
Risk Summary for Kahului
Kahului scores 5.3/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Tsunami.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
π What this means for insurance
Average risk β standard coverage usually sufficient
This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: Kahului, Hawaii
Kahului, in Maui County, is a city of approximately 27,444 residents situated in the Hawaiian archipelago in the central Pacific. Its tropical climate brings warm temperatures moderated by trade winds and high volcanic terrain, and in particular elevated rainfall from November through March. These conditions collectively define the natural hazard environment that Kahului residents and property owners must navigate.
Kahului's overall natural disaster risk is rated 5.3/10 (Moderate) by FEMA's National Risk Index. The threat of tsunami inundation tops the local coastal risk profile, requiring residents in low-lying areas to maintain awareness of evacuation routes and warning systems. Secondary hazards include volcano and earthquake.
Within Hawaii, Kahului's risk is, near the 5.0/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Maui County identifies tsunami as the foremost hazard, followed by volcano and earthquake. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
With a moderate risk rating, Kahului residents are well-served by maintaining standard preparedness practices β an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for tsunami is recommended.
What this means for Kahului: Tsunami preparedness
- Standard homeowners insurance excludes tsunami flooding; flood coverage may be needed.
- If you feel strong shaking near the coast, move to high ground immediately β do not wait for an official warning.
- Learn your community evacuation routes and the location of designated assembly areas.
Local Factors for Kahului
These city-level factors differentiate Kahului from other communities in Maui County and provide geographic context for its hazard exposure.
Population
27,444
SuburbanGeographic Zone
Island / Pacific
High coastal + tsunami exposure
Climate Band
Tropical (Hawaii)
Latitude 20.9Β°
Flood Terrain
Minimal β county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate β seasonal fire risk
Fire score: 9.6/10
Coordinates
20.8759Β° N, 156.4609Β° W
Maui County
Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.
Recent Climate Data for Kahului
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Kahului
Other cities in Hawaii
Data source: FEMA National Risk Index (NRI). Scores normalized to 1β10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.