Natural Disaster Risk — ZIP Code 96817
Honolulu, Hawaii
Risk Summary for ZIP 96817
ZIP 96817 scores 5.8/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Landslide.
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 96817, Hawaii
Located in the Hawaiian archipelago in the central Pacific, ZIP 96817 serves the Honolulu 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 96817's overall natural disaster risk is rated 5.8/10 (Moderate) by FEMA's National Risk Index. Slope instability and debris flows are the primary natural hazard, driven by a combination of local geology, precipitation intensity, and terrain that creates susceptibility to failure. Secondary hazards include lightning and tsunami.
Relative to other U.S. communities, ZIP 96817's natural disaster risk is above the U.S. national average of 4.5/10, slightly above the 5.0/10 state average. The hazard distribution here is led by landslide and lightning, as measured by FEMA across Hawaii. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
With a moderate risk rating, ZIP 96817 residents are well-served by maintaining standard preparedness practices — an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for landslide is recommended.
What this means for ZIP 96817: Landslide preparedness
- Standard insurance generally excludes landslide and earth-movement damage — ask about specialized coverage.
- Have an evacuation plan ready during periods of intense or prolonged rainfall.
- Watch for warning signs such as new cracks, tilting trees, or changes in water drainage on slopes.
Risk for the surrounding area
Local Factors for ZIP 96817
These city-level factors differentiate ZIP 96817 from other communities in Hawaii County and provide geographic context for its hazard exposure.
Population
55,492
UrbanGeographic Zone
Island / Pacific
High coastal + tsunami exposure
Climate Band
Tropical (Hawaii)
Latitude 21.3°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 9.9/10
Coordinates
21.3402° N, 157.8375° 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 96817
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.