Natural Disaster Risk — ZIP Code 96818
Honolulu, Hawaii
Risk Summary for ZIP 96818
ZIP 96818 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 96818, Hawaii
ZIP 96818 in Honolulu 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 96818 carries an overall risk score of 5.8/10, placing it in the moderate category. Landslide and debris flow risk tops the local hazard profile, with steep terrain and periodic heavy rainfall creating conditions for rapid slope failure in vulnerable areas. The area also faces notable exposure to lightning and tsunami.
Within Hawaii, ZIP 96818's risk is, slightly above the 5.0/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Hawaii identifies landslide as the foremost hazard, followed by lightning and tsunami. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
ZIP 96818'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 landslide exposure is adequately protected is a worthwhile step for property owners.
What this means for ZIP 96818: Landslide preparedness
- 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.
- Standard insurance generally excludes landslide and earth-movement damage — ask about specialized coverage.
Risk for the surrounding area
Local Factors for ZIP 96818
These city-level factors differentiate ZIP 96818 from other communities in Hawaii County and provide geographic context for its hazard exposure.
Population
54,822
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
21.3464° N, 157.9370° 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 96818
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.