What's actually likely where you live.

HI hazard profile

Primary hazards. Ranked.

Hawaii faces tsunami risk from earthquakes across the entire Pacific Rim. The 1946 Aleutian earthquake tsunami killed 159 people and destroyed Hilo. The 1960 Chilean earthquake tsunami killed 61 more. A local Big Island earthquake could produce a tsunami reaching Honolulu in under 20 minutes. All coastal residents and visitors must know Hawaii's tsunami evacuation zones and siren system. When sirens sound, move immediately to high ground — do not wait for instructions. Kīlauea on the Big Island is the world's most continuously active volcano. The 2018 Lower East Rift Zone eruption in Leilani Estates and Lanipuna Gardens destroyed 716 homes and buried 13.7 square miles under lava. Volcanic smog (vog) from ongoing eruptions affects air quality across all islands. Mauna Loa — the world's largest volcano by volume — erupted in November 2022 for the first time since 1984, threatening Hilo before lava flow stopped. The August 8, 2023 Lahaina fire on Maui was the deadliest US wildfire in more than 100 years — 100 people died, and historic Lahaina town was almost entirely destroyed by a wind-driven fire during a hurricane event. Hawaii's dry leeward slopes and introduced grasses create serious fire risk statewide. West Maui, the Kohala Coast, and Oahu's Waianae Range have significant wildfire exposure every dry season.

Insurance gaps

What your homeowner's policy doesn't cover.