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–Not graded
Natural hazards in Maunaloa · FEMA

Storms, floods and disasters in Maunaloa

Maunaloa isn’t graded for hazard risk: Maunaloa has 293 residents; we grade towns of 1,000 or more.

Flood claims
0
paid since 1978 · $0
Disasters paid out here
1
of 19 declared for Maui County
By hazard

What Maunaloa 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

68%of expected building damage
Well above average · in the top 6% of U.S. census tracts
Recorded about 4 times a year in the area

Wildfire

14%of expected building damage
Well above average · in the top 2% of U.S. census tracts

Earthquakes

12%of expected building damage
Well above average · higher than 84% of U.S. census tracts

Tsunamis

6%of expected building damage
Well above average · in the top 1% of U.S. census tracts
Smaller shares here
 Hurricanes Tornadoes Lightning Coastal flooding Hail Strong wind Landslides Volcanic activity top 4%
FEMA models no building damage here
Winter stormsIce stormsCold wavesHeat wavesAvalanches

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Flood insurance claims

Does Maunaloa flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Maunaloa. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of all homes are insured
No community discount

Maunaloa 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.
Disasters

1 federal disaster brought FEMA money to Maunaloa

Disasters that paid out in Maunaloa itself (aid to households or repair grants to Maunaloa), newest first, with that year’s flood claims.

  1. 2026Severe Storms, Flooding, Landslides, and Mudslides10 households applied for aid$76K aid approved
Disasters declared, by decade
Paid out in MaunaloaMaui County only

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.

Were you here?

Old photos of Maunaloa after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Maunaloa archive →
Be ready

Get ready for what Maunaloa faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • 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.
More from Ready.gov ↗
Wildfire
  • 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.
More from Ready.gov ↗
Earthquakes
  • Drop, cover and hold on.
  • Strap tall furniture and the water heater to the wall.
  • Know how to shut off the gas.
More from Ready.gov ↗
Tsunamis
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Maunaloa

Is Maunaloa 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 Maunaloa?

FEMA’s Community Rating System list shows no discount for Maunaloa’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 Maunaloa?

By FEMA money that reached Maunaloa, Severe Storms, Flooding, Landslides, and Mudslides (2026): 10 households applied for aid, $76K approved.

Storm stories

Memories, warnings and help from neighbors in Maunaloa.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Maunaloa’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.