Natural Disaster Risk in Pearl City
Hawaii
Risk Summary for Pearl City
Pearl City 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: Pearl City, Hawaii
Located in the Hawaiian archipelago in the central Pacific in Honolulu County, Pearl City is a city of approximately 37,475 residents. The tropical climate that characterizes this part of Hawaii — marked by warm temperatures moderated by trade winds and high volcanic terrain — directly influences the types and severity of natural hazards present, making Pearl City a community where hazard awareness has real practical value.
FEMA rates Pearl City's composite natural disaster risk at 5.8 out of 10 — moderate risk. 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. Residents should also account for lightning and tsunami risk in their preparedness planning.
Relative to other U.S. communities, Pearl City'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 landslide and lightning, as measured by FEMA across Honolulu County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
Pearl City's moderate risk profile means that while catastrophic events are less frequent, they do occur. Standard homeowners insurance typically covers many common hazards here, but confirming that landslide exposure is adequately protected is a worthwhile step for property owners.
What this means for Pearl City: Landslide preparedness
- Standard insurance generally excludes landslide and earth-movement damage — ask about specialized coverage.
- 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.
Local Factors for Pearl City
These city-level factors differentiate Pearl City from other communities in Honolulu County and provide geographic context for its hazard exposure.
Population
37,475
SuburbanGeographic 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
21.4347° N, 157.9469° 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 Pearl City
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Pearl City
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.