Photo: 293.xx.xxx.xx · CC BY-SA 3.0FEMA puts Haliimaile’s expected hazard damage per building above that of 87% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Haliimaile gets a D for hazard risk: higher expected damage per building than 87% of U.S. towns. Most of that expected damage is river and rain flooding (69%), then earthquakes (25%). Flood insurance has paid 3 claims here since 1982.
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 Haliimaile 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
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 Haliimaile’s grade
River and rain flooding is 69% of the building damage FEMA expects in Haliimaile, and Haliimaile’s rate of river and rain flooding damage is higher than 87% of U.S. census tracts. Volcanic activity adds 5%, at a rate in the top 1% of U.S. census tracts.
D higher expected damage per building than 87% of U.S. towns (21,298).
All of Haliimaile’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $365K a year in losses across Haliimaile: $304K to buildings, the rest to people and crops.
Does Haliimaile flood? Rarely: 3 flood claims since 1982
Every paid claim on a federal flood insurance policy in Haliimaile, from FEMA’s records: 9.2 per 1,000 homes, more than 72% of the 13,809 U.S. towns with a flood insurance record.
Haliimaile isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Maui County.The storms Haliimaile remembers
None of the 19 disasters declared for Maui County shows FEMA aid or repair money reaching Haliimaile itself in FEMA’s records, so these are its biggest flood-claim years.
- 19823 flood claims paidThe year of Heavy Rains and Flooding, declared for Maui County
Maui County has had 19 natural disasters declared by the President since 1953, most often severe storms, then hurricanes and tropical storms.
Also 9 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Maui County, 2006–2025.
Old photos of Haliimaile after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Haliimaile archive →Haliimaile and its neighbors
Haliimaile is 2nd of the 3 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
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 Haliimaile 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.
- 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 Haliimaile
Is Haliimaile at risk for natural disasters?
On FEMA’s National Risk Index, Haliimaile has higher expected damage per building than 87% of U.S. towns: D for hazard risk. Most of the expected damage is river and rain flooding (69%) and earthquakes (25%). 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.
Does Haliimaile flood?
Flood insurance has paid 3 claims in Haliimaile since 1982, $153K in all, or 9.2 per 1,000 homes, more than 72% of U.S. towns with a flood insurance record.
Is Haliimaile 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 Maui County, 4.8% of all homes carry federal flood insurance.
How much is flood insurance in Haliimaile?
FEMA’s Community Rating System list shows no discount for Haliimaile’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Haliimaile at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (69%), and Haliimaile’s rate for it is higher than 87% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Haliimaile.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Haliimaile’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.