On FEMA’s figures, Wailea faces more hazard damage per building than 90% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Wailea gets a D for hazard risk: higher expected damage per building than 90% of U.S. towns, #24 of 93 in Hawaii. Most of that expected damage is river and rain flooding (60%), then earthquakes (26%). Flood insurance has paid 1 claim 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 Wailea 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
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 Wailea’s grade
River and rain flooding is 60% of the building damage FEMA expects in Wailea, and Wailea’s rate of river and rain flooding damage is in the top 9% of U.S. census tracts. Tsunamis add 7%, at a rate in the top 1% of U.S. census tracts.
D #24 of 93 in Hawaii; higher expected damage per building than 90% of U.S. towns (21,298).
Wailea’s residents live in 3 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, Wailea has less expected damage per building than 75% of Hawaii towns.
In dollars, FEMA expects about $7.2M a year in losses across Wailea: $6.9M to buildings, the rest to people and crops.
Does Wailea flood? Rarely: 1 flood claim since 1982
Every paid claim on a federal flood insurance policy in Wailea, from FEMA’s records: 0.2 per 1,000 homes, fewer than 98% of the 13,809 U.S. towns with a flood insurance record.
Wailea 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 Wailea remembers
None of the 19 disasters declared for Maui County shows FEMA aid or repair money reaching Wailea itself in FEMA’s records, so these are its biggest flood-claim years.
- 19821 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 Wailea after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Wailea archive →Wailea and its neighbors
Wailea has the lowest expected damage per building of the 2 graded towns here. 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 Wailea 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.
- 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 Wailea
Is Wailea at risk for natural disasters?
On FEMA’s National Risk Index, Wailea has higher expected damage per building than 90% of U.S. towns: D for hazard risk, #24 of 93 in Hawaii. Most of the expected damage is river and rain flooding (60%) and earthquakes (26%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Wailea flood?
Flood insurance has paid 1 claim in Wailea since 1982, $5K in all, or 0.2 per 1,000 homes, fewer than 98% of U.S. towns with a flood insurance record.
Is Wailea 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 Wailea?
FEMA’s Community Rating System list shows no discount for Wailea’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Wailea at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (60%), and Wailea’s rate for it is in the top 9% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Wailea.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Wailea’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.