🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 96752

Kekaha, Hawaii

4.8out of 10
Moderate Risk

Risk Summary for ZIP 96752

ZIP 96752 scores 4.8/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Tsunami.

Top Hazards

Tsunami Landslide Wildfire

All 18 Hazard Scores

Tsunami
10.0
Landslide
9.6
Wildfire
9.4
Coastal Flooding
9.3
Lightning
8.6
Hurricane
7.7
Volcanic Activity
5.1
Earthquake
5.0
Avalanche
4.5
Drought
3.6
Tornado
1.5
Strong Wind
1.4
Ice Storm
1.3
Extreme Heat
1.2
Winter Weather
1.2
Cold Wave
1.2
Hail
1.1
Riverine Flooding
1.0

How it compares

ZIP 96752
4.8
Hawaii avg.
5.0
US national avg.
4.5

Live Conditions

Checking live alerts…

🏠 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: ZIP 96752, Hawaii

ZIP 96752 in Kekaha 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 96752 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 96752'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.

With a moderate risk rating, ZIP 96752 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 ZIP 96752: Tsunami preparedness

  • 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.
  • Learn your community evacuation routes and the location of designated assembly areas.

Risk for the surrounding area

Local Factors for ZIP 96752

These city-level factors differentiate ZIP 96752 from other communities in Hawaii County and provide geographic context for its hazard exposure.

Population

3,809

Small Town

Geographic Zone

Island / Pacific

High coastal + tsunami exposure

Climate Band

Tropical (Hawaii)

Latitude 22.1Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 9.4/10

Coordinates

22.0782Β° N, 159.7208Β° 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 96752

Last 12 months Β· Source: Open-Meteo archive

Loading climate data…

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 β€” consult official emergency management resources and a licensed insurer for property-specific advice.