Photo: Travisthurston · CC BY-SA 3.0Storms, floods and disasters in Makena
Makena isn’t graded for hazard risk: Makena has 90 residents; we grade towns of 1,000 or more. Flood insurance has paid 4 claims here since 2016.
What Makena 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
Tsunamis
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.
Does Makena flood? Rarely: 4 flood claims since 2016
Every paid claim on a federal flood insurance policy in Makena, from FEMA’s records.
- The 2026-03-KonaStorm2 claims · $87K
Makena 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 Makena remembers
None of the 19 disasters declared for Maui County shows FEMA aid or repair money reaching Makena itself in FEMA’s records, so these are its biggest flood-claim years.
- 20262 flood claims paidThe year of Tropical Storm Nolo, declared for Maui County
- 20161 flood claims paidThe year of Severe Storms, Flooding, Landslides, and Mudslides, declared for Maui County
- 20171 flood claims paidNo declaration for the county that year
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 Makena after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Makena archive →Makena and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Wailea | Dmore damage than 90% | river and rain flooding | 1 |
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 Makena 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.
- Strong shaking or a sudden drop in the sea means head for high ground now.
- Learn the tsunami route signs near the shore.
- Stay away until officials say it’s safe.
- 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 Makena
Does Makena flood?
Flood insurance has paid 4 claims in Makena since 2016, $120K in all. The most claims came from 2026-03-KonaStorm (2).
Is Makena 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 Makena?
FEMA’s Community Rating System list shows no discount for Makena’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Makena?
By flood claims, 2026-03-KonaStorm: 2 paid, $87K.
Storm stories
Memories, warnings and help from neighbors in Makena.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Makena’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.