Flood Claims Map

Hawaii

Flood insurance claims in Kauai County, Hawaii

FEMA records 1,495 National Flood Insurance Program claims in Kauai County, Hawaii, since 1978, with $47.7 million paid in total. The year with the most claims was 1992, with 729. As of 3 August 2026, 7.0% of homes here had an NFIP policy.

NFIP claims on record1,495
Total paid$47.7 million
Claims with a payment871
Homes with NFIP policy7.0%
High-risk zone homes insuredn/a
Residential policies in force1,647

Claims by year of loss

1978: 119781979: 01980: 21981: 11982: 3319821983: 271984: 21985: 21986: 2119861987: 11988: 111989: 101990: 619901991: 741992: 7291993: 21994: 219941995: 511996: 161997: 81998: 019981999: 32000: 12001: 62002: 520022003: 22004: 52005: 182006: 2020062007: 42008: 182009: 192010: 120102011: 22012: 392013: 02014: 220142015: 02016: 12017: 32018: 20620182019: 132020: 382021: 112022: 220222023: 12024: 672025: 42026: 52026729

NFIP claims by year of loss, Kauai County, Hawaii

1978: $019781979: $01980: $01981: $8081982: $1.4 million19821983: $7,9811984: $14,0611985: $13,1021986: $9,89919861987: $2,0541988: $74,2151989: $5,1511990: $3,59019901991: $855,2811992: $30.9 million1993: $1,6251994: $26,18319941995: $381,2541996: $35,0871997: $38,2081998: $019981999: $932000: $02001: $26,9312002: $38,28220022003: $02004: $27,9252005: $89,7012006: $196,23720062007: $2,3282008: $98,1022009: $228,3092010: $020102011: $9,4562012: $1.0 million2013: $02014: $020142015: $02016: $1,8652017: $33,3292018: $7.8 million20182019: $143,1742020: $845,5182021: $109,9362022: $020222023: $02024: $3.2 million2025: $35,0492026: $22,8612026$30.9 million

Paid on claims by year of loss (building, contents and increased cost of compliance), Kauai County, Hawaii

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Iniki720
Flooding31
Hurricane Lane8
2026-03-KonaStorm4
2025 July West Coast Tsunami1

ZIP codes with the most claims

ZIP code (as reported)Claims
96756472
96714391
96746239
9675272
9670369
9676665
9679648
9671632
9675430
9673423

912 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $38.6 million, contents $9.1 million, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone01,128n/a
All homes23,4901,6477.0%

FEMA counts residential structures and NFIP residential policies in force as of 3 August 2026. Private flood policies are not counted. A share is shown as n/a where FEMA counts no homes or more policies than homes.

Flood insurance basics. Most standard homeowners policies do not cover flood damage. NFIP policies are sold through insurance agents and through FEMA's FloodSmart site, which also explains waiting periods (usually 30 days before cover starts). Check your property's flood zone on the FEMA Flood Map Service Center.

Sources

  1. FEMA, OpenFEMA FIMA NFIP Redacted Claims (v2 dataset, API v3 NfipClaims), 2,725,989 claim records, retrieved 29 October 2026
  2. FEMA, OpenFEMA NFIP Residential Penetration Rates, as of 3 August 2026

Checked 29 October 2026. Claims are NFIP claims only. Private flood insurance claims and uninsured losses are not included. Recent events can take months to be fully reflected.