🌍 ClimateRiskCheck

Natural Disaster Risk in Kula

Hawaii

5.3out of 10
Moderate Risk

Risk Summary for Kula

Kula scores 5.3/10 (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
9.7
Wildfire
9.6
Lightning
9.4
Coastal Flooding
9.4
Hurricane
8.0
Landslide
6.1
Avalanche
4.5
Drought
2.9
Ice Storm
1.9
Tornado
1.8
Hail
1.4
Winter Weather
1.4
Strong Wind
1.3
Extreme Heat
1.2
Cold Wave
1.2
Riverine Flooding
1.0

How it compares

Kula
5.3
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: Kula, Hawaii

Located in the Hawaiian archipelago in the central Pacific in Maui County, Kula is a town of roughly 9,756 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 Kula a community where hazard awareness has real practical value.

FEMA rates Kula's composite natural disaster risk at 5.3 out of 10 β€” moderate risk. Tsunami risk is the primary coastal hazard, driven by the area's proximity to seismically active offshore zones capable of generating ocean waves that inundate low-lying coastlines. Residents should also account for volcano and earthquake risk in their preparedness planning.

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

With a moderate risk rating, Kula 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 Kula: 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 Kula

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

Population

9,756

Small Town

Geographic Zone

Island / Pacific

High coastal + tsunami exposure

Climate Band

Tropical (Hawaii)

Latitude 20.7Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 9.6/10

Coordinates

20.6975Β° N, 156.3112Β° 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 Kula

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Kula

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.