Natural Disaster Risk — ZIP Code 96780

Natural Hazard Profile: ZIP 96780, Hawaii

ZIP 96780 covers part of the Papaaloa area, in the Hawaiian archipelago in the central Pacific. The surrounding region experiences warm temperatures moderated by trade winds and high volcanic terrain, with elevated rainfall from November through March shaping the natural hazards that residents of this ZIP code face. Risk scores here are derived from FEMA data for the encompassing county.

FEMA rates ZIP 96780's composite natural disaster risk at 5.6 out of 10 — moderate risk. The threat of tsunami inundation tops the local coastal risk profile, requiring residents in low-lying areas to maintain awareness of evacuation routes and warning systems. Residents should also account for volcano and earthquake risk in their preparedness planning.

ZIP 96780's risk score, slightly above the 5.0/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA, the highest-scoring are tsunami, volcano, and earthquake. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

ZIP 96780'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.