Natural Disaster Risk — ZIP Code 96719

Natural Hazard Profile: ZIP 96719, Hawaii

ZIP 96719 in Hawi sits in the Hawaiian archipelago in the central Pacific. Its tropical climate produces warm temperatures moderated by trade winds and high volcanic terrain, and notably elevated rainfall from November through March. These conditions define the natural disaster environment for households across this ZIP code.

According to FEMA's National Risk Index, ZIP 96719 carries an overall risk score of 5.6/10, placing it in the moderate category. 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. The area also faces notable exposure to volcano and earthquake.

Within Hawaii, ZIP 96719'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 Hawaii identifies tsunami as the foremost hazard, followed by volcano and earthquake. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

ZIP 96719'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 tsunami exposure is adequately protected is a worthwhile step for property owners.