On FEMA’s figures, few U.S. towns expect more hazard damage per building than Ainaloa, mostly from river and rain flooding
On FEMA’s National Risk Index, Ainaloa gets a D− for hazard risk: among the highest expected damage per building of U.S. towns, #84 of 93 in Hawaii. Most of that expected damage is river and rain flooding (64%), then earthquakes (24%). FEMA’s files show no paid flood insurance claims here.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Ainaloa faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Earthquakes
Volcanic activity
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind Ainaloa’s grade
River and rain flooding is 64% of the building damage FEMA expects in Ainaloa, and Ainaloa’s rate of river and rain flooding damage is in the top 1% of U.S. census tracts. Earthquakes add 24%, at a rate in the top 1% of U.S. census tracts.
D− #84 of 93 in Hawaii; among the highest expected damage per building of U.S. towns (21,298).
All of Ainaloa’s residents live in one census tract; the figures are that tract’s.
The typical Hawaii town has higher expected damage than 96% of U.S. towns; within the state, Ainaloa has more expected damage per building than 90% of Hawaii towns.
In dollars, FEMA expects about $3.9M a year in losses across Ainaloa: $3.4M to buildings, the rest to people and crops.
Does Ainaloa flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Ainaloa. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Ainaloa isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Hawaii County.The storms Ainaloa remembers
None of the 20 disasters declared for Hawaii County shows FEMA aid or repair money reaching Ainaloa itself in FEMA’s records, so these are its biggest flood-claim years.
Hawaii County has had 20 natural disasters declared by the President since 1953, most often severe storms, then hurricanes and tropical storms.
Also 11 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Hawaii County, 2000–2026.
Ainaloa and its neighbors
Ainaloa is 3rd of the 4 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Hawaiian Paradise Park | D−among the highest damage | river and rain flooding | — |
| Orchidlands Estates | D−among the highest damage | river and rain flooding | — |
| Ainaloa | D−among the highest damage | river and rain flooding | 0 |
| Hawaiian Acres | D−among the highest damage | river and rain flooding | — |
| Tiki Gardens | — | 245 residents; we grade 1,000+ | |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Ainaloa faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- Keep N95 masks and goggles for ash.
- Know the evacuation routes.
- Keep ash out of the house and car vents.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Ainaloa
Is Ainaloa at risk for natural disasters?
On FEMA’s National Risk Index, Ainaloa has among the highest expected damage per building of U.S. towns: D− for hazard risk, #84 of 93 in Hawaii. Most of the expected damage is river and rain flooding (64%) and earthquakes (24%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Ainaloa in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Hawaii County, 1.8% of all homes carry federal flood insurance.
How much is flood insurance in Ainaloa?
FEMA’s Community Rating System list shows no discount for Ainaloa’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Ainaloa at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (64%), and Ainaloa’s rate for it is in the top 1% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Ainaloa.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Ainaloa’s residents lived in the 2020 census; OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.