🌍 ClimateRiskCheck

Natural Disaster Risk in Kailua Kona

Hawaii

5.6out of 10
Moderate Risk

Risk Summary for Kailua Kona

Kailua Kona scores 5.6/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Tsunami.

Top Hazards

Tsunami Volcanic Activity Earthquake

All 18 Hazard Scores

Tsunami
10.0
Volcanic Activity
10.0
Earthquake
9.9
Wildfire
9.8
Lightning
9.8
Coastal Flooding
9.3
Landslide
8.6
Hurricane
7.9
Avalanche
4.5
Drought
3.7
Ice Storm
2.3
Tornado
1.9
Hail
1.6
Strong Wind
1.5
Cold Wave
1.5
Winter Weather
1.4
Extreme Heat
1.2
Riverine Flooding
1.0

How it compares

Kailua Kona
5.6
Hawaii avg.
5.0
US national avg.
4.5

Live Conditions

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🏠 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: Kailua Kona, Hawaii

Located in the Hawaiian archipelago in the central Pacific in Hawaii County, Kailua Kona is a city of approximately 39,338 residents. The tropical climate that characterizes this part of Hawaii β€” marked by warm temperatures moderated by trade winds and high volcanic terrain β€” directly influences the types and severity of natural hazards present, making Kailua Kona a community where hazard awareness has real practical value.

Kailua Kona's overall natural disaster risk is rated 5.6/10 (Moderate) by FEMA's National Risk Index. Coastal tsunami exposure is the dominant hazard concern, with the regional tectonic environment capable of generating both local and distant-source tsunami waves. Secondary hazards include volcano and earthquake.

Relative to other U.S. communities, Kailua Kona's natural disaster risk is above the U.S. national average of 4.5/10, slightly above the 5.0/10 state average. The hazard distribution here is led by tsunami and volcano, as measured by FEMA across Hawaii County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

With a moderate risk rating, Kailua Kona 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 Kailua Kona: Tsunami preparedness

  • Learn your community evacuation routes and the location of designated assembly areas.
  • 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.

Local Factors for Kailua Kona

These city-level factors differentiate Kailua Kona from other communities in Hawaii County and provide geographic context for its hazard exposure.

Population

39,338

Suburban

Geographic Zone

Island / Pacific

High coastal + tsunami exposure

Climate Band

Tropical (Hawaii)

Latitude 19.7Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 9.8/10

Coordinates

19.7442Β° N, 155.8995Β° W

Hawaii 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 Kona

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Kailua Kona

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.