🌍 ClimateRiskCheck

Natural Disaster Risk in Kealakekua

Hawaii

5.6out of 10
Moderate Risk

Risk Summary for Kealakekua

Kealakekua 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

Kealakekua
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: Kealakekua, Hawaii

Kealakekua is a town of roughly 3,203 residents in Hawaii County, in the Hawaiian archipelago in the central Pacific. The area experiences warm temperatures moderated by trade winds and high volcanic terrain, with elevated rainfall from November through March shaping the pattern of natural hazards that residents encounter. Understanding the local risk profile is essential for anyone living in, moving to, or owning property in Kealakekua.

According to FEMA's National Risk Index, Kealakekua carries an overall risk score of 5.6/10, placing it in the moderate category. Coastal tsunami exposure is the dominant hazard concern, with the regional tectonic environment capable of generating both local and distant-source tsunami waves. The area also faces notable exposure to volcano and earthquake.

Kealakekua's risk score, slightly above the 5.0/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Hawaii County, the highest-scoring are tsunami, volcano, and earthquake. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

With a moderate risk rating, Kealakekua 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 Kealakekua: Tsunami preparedness

  • 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.
  • Standard homeowners insurance excludes tsunami flooding; flood coverage may be needed.

Local Factors for Kealakekua

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

Population

3,203

Small Town

Geographic Zone

Island / Pacific

High coastal + tsunami exposure

Climate Band

Tropical (Hawaii)

Latitude 19.5Β°

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

19.5240Β° N, 155.9146Β° 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 Kealakekua

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Kealakekua

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.