Flood history / Hawaii / ZIP 96734
ZIP 96734
Honolulu County, HI
Property owners in ZIP 96734 have been paid $7.2M on 369 National Flood Insurance Program claims between 1978 and 2026 — an average of $20K a claim, across 36 separate years in which someone here filed and was paid.
The heaviest year
1987 is the heaviest year on file: 70 paid claims, 19.0% of the ZIP's total. The rest is spread across the other 35 years on file. The largest named event in the record is Hurricane Iniki, with 25 claims.
31 of those claims — 8.4% — were filed since 2017. The bulk of this ZIP's record is older than that.
| Named event | Paid claims | Share of record |
|---|---|---|
| Hurricane Iniki | 25 | 6.8% |
| 2026-03-KonaStorm | 11 | 3.0% |
Where the claims sat on the map
Of the 350 claims here that record a rated flood zone, 196 — 56.0% — were on properties rated outside the mapped high-risk area, in a B, C or X zone. Most of the paid flooding in this ZIP happened to properties the maps did not treat as high risk. Flood insurance is not required outside the high-risk zone, and most properties there do not carry it — so these counts come from the minority who did.
The water near this ZIP
The closest gauges publishing official flood thresholds are Kawainui Marsh near Levee - 15 (0.6 mi), Kawa Stream near Kaneohe (2.2 mi) and Makawao Stream near Kailua (2.5 mi). A gauge describes one point on one river — it will not see street drainage, sewer backup, storm surge or flash flooding.
Read current gauge conditions for 96734 →
What this does not say
These are paid National Flood Insurance Program claims, nothing more. They count insured properties whose owners filed and were paid, so they are a floor on how often this ZIP has flooded — never a measure of how likely it is to flood next. Uninsured flooding leaves no trace here at all.
The figures are aggregates published by FEMA. No individual claim, address or policyholder appears on this page or in the data behind it. Nothing here is a forecast, a warning, or advice about insurance.