Natural Disaster Risk in Kailua
Hawaii
Risk Summary for Kailua
Kailua scores 5.8/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Landslide.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Average risk — 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: Kailua, Hawaii
Kailua, in Honolulu County, is a city of 50,670 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 Kailua residents and property owners must navigate.
According to FEMA's National Risk Index, Kailua carries an overall risk score of 5.8/10, placing it in the moderate category. Landslide and debris flow risk tops the local hazard profile, with steep terrain and periodic heavy rainfall creating conditions for rapid slope failure in vulnerable areas. The area also faces notable exposure to lightning and tsunami.
Within Hawaii, Kailua's risk is, slightly above the 5.0/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Honolulu County identifies landslide as the foremost hazard, followed by lightning and tsunami. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
With a moderate risk rating, Kailua residents are well-served by maintaining standard preparedness practices — an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for landslide is recommended.
What this means for Kailua: Landslide preparedness
- Have an evacuation plan ready during periods of intense or prolonged rainfall.
- Watch for warning signs such as new cracks, tilting trees, or changes in water drainage on slopes.
- Standard insurance generally excludes landslide and earth-movement damage — ask about specialized coverage.
Local Factors for Kailua
These city-level factors differentiate Kailua from other communities in Honolulu County and provide geographic context for its hazard exposure.
Population
50,670
UrbanGeographic Zone
Island / Pacific
High coastal + tsunami exposure
Climate Band
Tropical (Hawaii)
Latitude 21.4°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 9.9/10
Coordinates
21.3900° N, 157.7539° W
Honolulu 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 Kailua
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Kailua
Other cities in Hawaii
Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.