Flood history / Hawaii
Hawaii
flood claim history.
Across the 20 Hawaii ZIP codes with at least 100 paid claims on file, the National Flood Insurance Program has paid $151.1M on 5,029 claims between 1978 and 2026. ZIP 96756 in Kauai County carries the most at 472, 9.4% of the state total shown here.
The events driving the most paid claims across these ZIPs are Hurricane Iniki (843 claims), 2026-03-KonaStorm (353 claims) and Hurricane Lane (19 claims).
27.7% of the claims here that record a rated flood zone were on properties outside the mapped high-risk area — the zone where flood insurance is optional and most owners go without it.
Claim volume tracks how many properties carried flood insurance as much as how often the water came up. A ZIP with a long insured history will out-file a comparable one where few owners were covered, so read each ZIP's own record rather than ranking them against each other.
Every Hawaii ZIP code on file
| ZIP | County | Paid claims | Total paid | Heaviest year |
|---|---|---|---|---|
| 96756 | Kauai County | 472 | $27.5M | 1992 326 |
| 96740 | Hawaii County | 416 | $16.3M | 2011 94 |
| 96821 | Honolulu County | 414 | $23.0M | 2018 201 |
| 96714 | Kauai County | 395 | $7.4M | 2018 159 |
| 96753 | Maui County | 382 | $20.8M | 2026 120 |
| 96734 | Honolulu County | 369 | $7.2M | 1987 70 |
| 96712 | Honolulu County | 316 | $6.7M | 2026 50 |
| 96746 | Kauai County | 239 | $4.2M | 1992 106 |
| 96792 | Honolulu County | 235 | $5.2M | 1992 76 |
| 96762 | Honolulu County | 223 | $7.2M | 2026 56 |
| 96720 | Hawaii County | 214 | $3.3M | 2000 68 |
| 96761 | Maui County | 201 | $2.7M | 1993 23 |
| 96717 | Honolulu County | 199 | $2.8M | 2006 25 |
| 96816 | Honolulu County | 162 | $2.9M | 2006 30 |
| 96815 | Honolulu County | 161 | $1.8M | 1992 30 |
| 96730 | Honolulu County | 141 | $1.1M | 2006 32 |
| 96819 | Honolulu County | 135 | $5.2M | 2016 35 |
| 96791 | Honolulu County | 130 | $3.0M | 2026 48 |
| 96744 | Honolulu County | 117 | $1.6M | 2026 21 |
| 96793 | Maui County | 108 | $1.2M | 1992 50 |
Only ZIP codes with at least 100 paid claims on file appear here. A ZIP missing from this table has a shorter record, not a clean one.