Natural Disaster Risk — ZIP Code 96746

Natural Hazard Profile: ZIP 96746, Hawaii

ZIP 96746 in Kapaa 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 96746 carries an overall risk score of 4.8/10, 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 landslide and wildfire.

Within Hawaii, ZIP 96746's risk is, near the 5.0/10 state average. Nationally, it ranks near the U.S. national average of 4.5/10. FEMA's analysis of Hawaii identifies tsunami as the foremost hazard, followed by landslide and wildfire. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

ZIP 96746'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.