Natural Disaster Risk — ZIP Code 96751
Kealia, Hawaii
Risk Summary for ZIP 96751
ZIP 96751 scores 4.8/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Tsunami.
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: ZIP 96751, Hawaii
Located in the Hawaiian archipelago in the central Pacific, ZIP 96751 serves the Kealia community. The tropical climate of this part of Hawaii — bringing warm temperatures moderated by trade winds and high volcanic terrain — directly shapes the hazard exposure for properties in this postal area.
ZIP 96751's overall natural disaster risk is rated 4.8/10 (Moderate) by FEMA's National Risk Index. Coastal tsunami exposure is the dominant hazard concern, with the regional tectonic environment capable of generating both local and distant-source tsunami waves. Secondary hazards include landslide and wildfire.
Relative to other U.S. communities, ZIP 96751's natural disaster risk is near 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 landslide, as measured by FEMA across Hawaii. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
ZIP 96751'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.
What this means for ZIP 96751: 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 — do not wait for an official warning.
Risk for the surrounding area
Local Factors for ZIP 96751
These city-level factors differentiate ZIP 96751 from other communities in Hawaii County and provide geographic context for its hazard exposure.
Population
N/A
RuralGeographic Zone
Island / Pacific
High coastal + tsunami exposure
Climate Band
Tropical (Hawaii)
Latitude 22.1°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 9.4/10
Coordinates
22.1067° N, 159.3052° W
Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.
Recent Climate Data for ZIP 96751
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
Nearby ZIP codes
Other cities in Hawaii
Data source: FEMA National Risk Index (NRI). County-level data applied to ZIP codes within each county. Scores are normalized to 1–10 across all US counties. This information is for general awareness only — consult official emergency management resources and a licensed insurer for property-specific advice.