Highest climate-risk ZIP codes in Hawaii

Top 4 highest FEMA NRI climate-risk counties in Hawaii (one representative ZIP per county). #1 is 96706 (East Kapolei) at score 98.8. Compare hazard exposure on US5.

FEMA’s National Risk Index is published at the county level on US5, so every ZIP in the same county shares the same composite score. This board shows one representative ZIP per county (the most populous code in that county) ranked by NRI — a relative signal of natural-hazard exposure for planning and insurance context.

Highest county scores on this board: Honolulu County (96706) at 98.8; Hawaii County (96720) at 98.5; Maui County (96793) at 93.1.

Open a representative ZIP for flood, wildfire, and hurricane component scores, plus a plain-language risk summary.

Open any ZIP for a full demographics, income, and housing profile, or return to the Hawaii state page for the complete ZIP table.

Ranked counties (representative ZIP)

FEMA NRI is county-level data. Each row shows the most populous ZIP in that county as a representative entry.

#	ZIP	City	County	NRI risk score	Population	Income	Home value
1	96706	East Kapolei	Honolulu County	98.8	83,467	$125,879	$796,600
2	96720	Hilo	Hawaii County	98.5	50,971	$78,537	$458,100
3	96793	Waikapu	Maui County	93.1	32,647	$104,220	$776,100
4	96746	Kapaa	Kauai County	84.4	20,566	$89,681	$830,500

Frequently asked questions

Which areas in Hawaii have the highest climate or disaster risk?

FEMA NRI scores are county-level on US5. Honolulu County ranks near the top at 98.8 (representative ZIP 96706). Higher scores indicate greater relative natural-hazard exposure.

How does US5 rank ZIP codes in Hawaii?

We rank one representative ZIP per county (highest population in the county) by FEMA NRI composite score from high to low. NRI is county-level data, so all ZIPs in a county share the same score.

Where can I explore all ZIP codes in Hawaii?

Visit the Hawaii state page for the full ZIP table, demographics summary, and sortable income/housing columns.