Natural Disaster Risk — ZIP Code 96795

Waimanalo, Hawaii

5.8out of 10

Moderate Risk

Risk Summary for ZIP 96795

Average natural disaster risk for the United States. Standard homeowners insurance typically covers common hazards here.

Top Hazards

Landslide Lightning Tsunami

All 18 Hazard Scores

Lightning

10.0

Landslide

10.0

Tsunami

10.0

Wildfire

9.9

Earthquake

9.9

Coastal Flooding

9.7

Hurricane

8.2

Ice Storm

6.8

Volcanic Activity

5.1

Avalanche

4.5

Tornado

4.2

Drought

2.4

Hail

2.2

Strong Wind

1.9

Extreme Heat

1.2

Winter Weather

1.2

Cold Wave

1.2

Riverine Flooding

1.0

How it compares

ZIP 96795

5.8

Hawaii avg.

5.0

US national avg.

4.5

Live Conditions

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🏠 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.

Other cities in Hawaii

Ewa Beach5.8/10 Waipahu5.8/10 Kaneohe5.8/10 Honolulu5.8/10 Mililani5.8/10 Hilo5.6/10 Kailua5.8/10 Waianae5.8/10

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.