More hazard damage per building is expected in Napili-Honokowai than in 92% of U.S. towns, led by tsunamis
On FEMA’s National Risk Index, Napili-Honokowai gets a D for hazard risk: higher expected damage per building than 92% of U.S. towns, #30 of 93 in Hawaii. Most of that expected damage is tsunamis (45%), then river and rain flooding (35%). 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 Napili-Honokowai faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Tsunamis
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 Napili-Honokowai’s grade
Tsunamis are 45% of the building damage FEMA expects in Napili-Honokowai, and Napili-Honokowai’s rate of tsunamis damage is in the top 1% of U.S. census tracts. Next is river and rain flooding at 35% (higher than 72% of U.S. census tracts).
D #30 of 93 in Hawaii; higher expected damage per building than 92% of U.S. towns (21,298).
Napili-Honokowai’s residents live in 4 census tracts; FEMA’s figures are combined by where they live.
The typical Hawaii town has higher expected damage than 96% of U.S. towns; within the state, Napili-Honokowai has less expected damage per building than 68% of Hawaii towns.
In dollars, FEMA expects about $9.4M a year in losses across Napili-Honokowai: $8.9M to buildings, the rest to people and crops.
Does Napili-Honokowai flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Napili-Honokowai. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Napili-Honokowai 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 Napili-Honokowai remembers
None of the 21 disasters declared for Maui County shows FEMA aid or repair money reaching Napili-Honokowai itself in FEMA’s records, so these are its biggest flood-claim years.
Maui County has had 21 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.
Napili-Honokowai and its neighbors
Napili-Honokowai has the lowest expected damage per building of the 3 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Napili-Honokowai | Dmore damage than 92% | tsunamis | 0 |
| Mahinahina | Dmore damage than 94% | tsunamis | 2 |
| Kaanapali | Dmore damage than 94% | tsunamis | — |
| Kapalua | — | 469 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 Napili-Honokowai faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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.
- 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 Napili-Honokowai
Is Napili-Honokowai at risk for natural disasters?
On FEMA’s National Risk Index, Napili-Honokowai has higher expected damage per building than 92% of U.S. towns: D for hazard risk, #30 of 93 in Hawaii. Most of the expected damage is tsunamis (45%) and river and rain flooding (35%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Napili-Honokowai 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 Napili-Honokowai?
FEMA’s Community Rating System list shows no discount for Napili-Honokowai’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Napili-Honokowai at risk from tsunamis?
It is the largest share of the building damage FEMA expects here (45%), and Napili-Honokowai’s rate for it is in the top 1% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Napili-Honokowai.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Napili-Honokowai’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.