More hazard damage per building is expected in Kaloko than in 98% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Kaloko gets a D− for hazard risk: higher expected damage per building than 98% of U.S. towns. Most of that expected damage is river and rain flooding (52%), then earthquakes (37%). 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 Kaloko 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
Wildfire
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 Kaloko’s grade
River and rain flooding is 52% of the building damage FEMA expects in Kaloko, and Kaloko’s rate of river and rain flooding damage is in the top 4% of U.S. census tracts. Earthquakes add 37%, at a rate in the top 4% of U.S. census tracts.
D− higher expected damage per building than 98% of U.S. towns (21,298).
All of Kaloko’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $1.2M a year in losses across Kaloko: $1.1M to buildings, the rest to people and crops.
Does Kaloko flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Kaloko. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Kaloko 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 Kaloko remembers
None of the 20 disasters declared for Hawaii County shows FEMA aid or repair money reaching Kaloko 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.
Kaloko and its neighbors
Kaloko is 3rd 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 Kaloko 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.
- Clear dead leaves and brush within 5 feet of the house.
- Sign up for local alerts and know two ways out.
- Keep N95 masks for smoky days.
- 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 Kaloko
Is Kaloko at risk for natural disasters?
On FEMA’s National Risk Index, Kaloko has higher expected damage per building than 98% of U.S. towns: D− for hazard risk. Most of the expected damage is river and rain flooding (52%) and earthquakes (37%). 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 Kaloko 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 Kaloko?
FEMA’s Community Rating System list shows no discount for Kaloko’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Kaloko at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (52%), and Kaloko’s rate for it is in the top 4% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Kaloko.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Kaloko’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.