Hickam Housing, HI Flooding & Climate Risk Profile

The primary drivers of climate-related financial risk in Hickam Housing, HI are Inland Flooding, Earthquake, and Lightning.

City Risk Scorecard

Physical Resilience44/100

Based on FEMA EAL and hazard intensity.

Spatial Analysis

Flood Plain Analysis

Localized Flood Dynamics in Hickam Housing

FEMA Flood Maps for Hickam Housing identify the "100-year" and "500-year" floodplains (1% and 0.2% annual chance), but modern climate risk analysis suggests that nearly 25% of flood insurance claims originate from properties outside of these designated high-risk zones.

Use the map above to better understand risk by looking at both the FEMA flood plain maps and FEMA Risk Inventory maps by census tract. Standard FEMA maps may not account for 'flash flooding' from intense rain events.

FEMA Designation vs. Reality

Relatively Moderate

Relative Vulnerability

$2,197,810

Annualized Property Exposure

Primary Risks

Inland Flooding

$2,197,810

Expected Annual Loss for Hickam Housing

56.2Score

Relatively Moderate compared to US average

Earthquake

$807,963

Expected Annual Loss for Hickam Housing

80.7Score

Relatively Moderate compared to US average

Lightning

$75,837

Expected Annual Loss for Hickam Housing

72.1Score

Relatively High compared to US average

Financial Risk Inventory

MAJOR DRIVER

Inland Flooding

$2,197,810

Score: 56.2

MAJOR DRIVER

Earthquake

$807,963

Score: 80.7

MAJOR DRIVER

Lightning

$75,837

Score: 72.1

Tsunami

$56,661

Score: 42.0

Tornado

$5,647

Score: 4.2

Hurricane

$5,247

Score: 37.1

Coastal Flooding

$2,229

Score: 44.4

Strong Wind

$495

Score: 2.2

Hail

$329

Score: 2.1

Wildfire

$279

Score: 3.0

Landslide

Score: 16.5

Recommended Mitigation Strategies

Recommended investments to protect your property value and reduce insurance liability based on your local risk profile.

💧Medium Investment

Inland Flooding Mitigation

Install a smart sump pump with battery backup and extend downspouts 10ft from foundation.

Risk Score: 56.2

🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 80.7

🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 72.1

Sources and Methodology

Spatial Climate Risk Modeling

The Expected Annual Loss (EAL) and hazard risk scores are derived from the FEMA NRI zip code dataset using a population-weighted spatial join. Because Zip Codes and Census Tracts do not share perfectly aligned boundaries, we utilize US Census Block Group population centroids to identify where residents actually live.

Financial & Insurance Metrics

The pysical resilence score is calculated by synthesizing Expected Annual Loss (EAL) against the total building replacement value within a jurisdiction. This creates a "Loss Ratio" that measures physical resilience. We supplement this with ZIP-code level data from the U.S. Treasury's Federal Insurance Office (FIO), monitoring trends in premium growth, loss ratios, and policy non-renewals to identify emerging "Insurance Deserts."

Primary Data Sources

FEMA National Flood Hazard LayerHigh-resolution vector data for 100-year and 500-year flood zones.
U.S. Department of the TreasuryFIO ZIP-code level insurance data (2018–2022 Historical Set).
FEMA National Risk IndexBaseline hazard frequency and economic loss data (v1.20.0).
U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population Statistics.

Nearby Cities

Aiea Ewa Beach Ewa Gentry Halawa Iroquois Point

Zip Codes in Hickam Housing

96818 96853