Climate Risk Atlas/HI/Papaikou/96781

Papaikou, HI (96781) Flooding & Climate Risk Profile

The primary drivers of climate-related financial risk in Papaikou, HI (96781) are Inland Flooding, Earthquake, and Wildfire. This area also faces an unusually high intensity for Lightning, Volcanic Activity, and Landslide compared to national averages.

Understanding the Dollars

Expected Annual Loss (EAL) is a statistical average of property damage for this entire zip code over a standard year across all properties.

  • / It represents the "average cost" rather than a guaranteed yearly bill.
  • / It can be used to compare the relative risk from different hazards and across different neighborhoods.

Zip Code Risk Map

Flood Plain Analysis

Significant Flood Exposure in 96781

FEMA Flood Maps for 96781 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
Very High
Relative Vulnerability
$2,504,723
Annualized Property Exposure

Primary Risks

Inland Flooding

$2,504,723

Expected Annual Loss for Zip Code 96781

99.5Score

Very High compared to US average

Earthquake

$1,057,588

Expected Annual Loss for Zip Code 96781

95.9Score

Relatively High compared to US average

Wildfire

$90,424

Expected Annual Loss for Zip Code 96781

96.1Score

Relatively Moderate compared to US average

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$2,504,723
Score: 99.5
MAJOR DRIVER
Earthquake
$1,057,588
Score: 95.9
MAJOR DRIVER
Wildfire
$90,424
Score: 96.1
UNUSUALLY HIGH
Lightning
$41,149
Score: 96.8
UNUSUALLY HIGH
Volcanic Activity
$10,903
Score: 98.4
Tsunami
$7,673
Score: 49.8
Hurricane
$4,837
Score: 51.6
Coastal Flooding
$585
Score: 78.5
UNUSUALLY HIGH
Landslide
$395
Score: 91.3
Tornado
$135
Score: 1.6
Strong Wind
$122
Score: 3.2
Hail
$67
Score: 2.8

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: 99.5
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 95.9
🔥Low Investment

Wildfire Mitigation

Create a 5ft 'non-combustible' zone around your home using gravel or pavers instead of mulch.

Risk Score: 96.1
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 96.8
🏠Low Investment

Volcanic Activity Mitigation

General property maintenance and insurance review recommended.

Risk Score: 98.4
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 91.3

Methodology and Sources

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

Nearby Locations

Zip Code 96720Zip Code 96783