Kahului, HI Flood Zone Map
Last updated: August 2026
Kahului on Maui faces coastal flooding, tsunami risk, and flash flooding from the West Maui Mountains. The flat isthmus terrain between Maui's two volcanic peaks creates drainage challenges.
Maui County has recorded 818 NFIP flood insurance claims since 1978, totaling $26.0M in payouts. Explore the full NFIP claims data by state and county to see how this area compares nationally.
FEMA Region
Region 9
NFIP Policies
12,826
Maui County
Avg. Premium
$894/yr
Maui County
NFIP Flood Insurance Claims: Maui County
Properties in Maui County have filed 818 NFIP flood insurance claims totaling $26.0M in payouts since 1978. The average claim payout is $32K.
Highest-Claim Years
2026
157 claims - $10.0M
2011
75 claims - $1.4M
1992
68 claims - $343K
Claims by Flood Zone
Source: OpenFEMA NFIP Claims API. Data sourced August 2026. See national claims data.
Flood Insurance Coverage: Maui County
Only roughly 1 in 5 households in Maui County carries NFIP flood insurance (20% of estimated households).
Penetration Rate
20%
roughly 1 in 5 households
Historical Claims Ratio
1 in 17
818 claims over 45+ years across 12,826 current policies
Avg. Claim Payout
$31,751
Per claim, county-wide since 1978
Historically, Maui County has averaged 1 claim for every 17 active policies (since 1978). This compares cumulative claims against today's policy count and does not predict future claim likelihood.
Coverage data: NFIP policies as of August 2026, claims since 1978 (August 2026), population from FEMA NRI. All figures are county-wide and include Kahului.
Not sure whether you're required to carry it? See do I need flood insurance?, or compare NFIP vs. private flood insurance.
Repetitive Loss Properties: Maui County
Maui County has 57 properties with multiple flood insurance losses, including 9 severe repetitive loss properties. 3 properties have received FEMA mitigation funding. Severe repetitive loss is a subset of multiple loss, not a separate count. Data sourced August 2026.
Multiple Loss
57
2+ claims within 10 years
Severe Repetitive Loss
9
4+ claims or 2 exceeding value
Mitigated
3
Received FEMA mitigation
By Flood Zone
Zone data available for 55 of 57 properties.
Source: OpenFEMA NFIP Multiple Loss Properties. Data sourced August 2026.
Flood Insurance Discount: Kahului
Kahului has no CRS rating of its own, but it sits in Maui County, which participates in FEMA's Community Rating System (CRS), a voluntary program that rewards communities for flood mitigation efforts beyond minimum NFIP requirements. Residents in the Special Flood Hazard Area may qualify for reduced flood insurance premiums.
CRS Class
Class 7
SFHA Premium Discount
15% off
CRS classes range from 1 (best) to 10 (no discount). Maui County's Class 7 rating means NFIP policyholders in the SFHA can receive up to a 15% discount on their flood insurance premiums. Properties outside the SFHA may receive a 5% discount.
Source: FEMA Community Rating System, April 2026. Discounts apply to NFIP policies only.
Federal Flood Disaster History: Maui County
Maui County has been included in 10 federal flood-related disaster declarations.
...and 2 earlier declarations since 1968.
These declarations affected communities across Maui County, including Kahului.
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced August 2026.
Recorded Flood Events: Maui County
NOAA has recorded 189 flood events in Maui County since 1996, causing $49.2M in damage and 3 deaths.
Costliest Events
Events by Type
Source: NOAA Storm Events Database, 1996-2026. Data sourced August 2026.
Flood Mitigation: Maui County
FEMA has funded mitigation for 27 properties in Maui County, investing $869K in flood risk reduction. Common mitigation actions include acquisition (buying and demolishing flood-prone structures), elevation (raising buildings above flood level), and safe rooms (wind/storm shelters for tornado and hurricane protection).
By Action Type
Source: OpenFEMA Hazard Mitigation Assistance. Data sourced August 2026. FEMA records a total payment per grant rather than per property, so the dollar figure is an estimate that splits each grant across the properties it covers; the property count is exact.
FEMA Flood Risk Profile: Maui County
Based on FEMA's National Risk Index, which evaluates flood risk at the county level using historical loss data, exposure, and vulnerability.
Inland Flood Risk
Relatively HighEst. annual loss: $59.4M
Coastal Flood Risk
Relatively LowEst. annual loss: $246K
Hurricane Risk
Relatively LowEst. annual loss: $553K
Source: FEMA National Risk Index, county-level assessment. Individual property risk may vary.
What Your Flood Zone Means in Kahului
Kahului faces a combination of coastal and inland flood risks. Storm surge from hurricanes and tropical storms pushes seawater inland, while heavy rainfall simultaneously overwhelms rivers, bayous, and drainage infrastructure. This dual threat means flooding can come from multiple directions at once. The most common FEMA flood zone designations in Kahului are Zone AE, Zone VE, Zone X. FEMA's National Risk Index estimates the county's annual expected loss from inland flooding at over $59.4M. Properties in Kahului's VE zones face additional wave action risk beyond still-water flooding, which typically results in higher insurance premiums and stricter building requirements.
Combined coastal and inland flood exposure in Kahului means properties may face higher premiums than areas with only one flood source. FEMA's Risk Rating 2.0 accounts for multiple flood sources, including coastal surge distance, river proximity, and rainfall-driven flooding. If your property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance.
Flood maps in areas with combined coastal and inland risk are among the most complex in the FEMA system. Major storms often trigger FEMA restudies that can significantly shift zone boundaries. Letters of Map Revision (LOMR) after hurricanes may expand SFHA coverage as new storm data is incorporated. Use our free lookup tool to check the current flood zone for any Kahului address.
Kahului, HI Flood Zone FAQ
What flood zones are in Kahului, HI?
The most common FEMA flood zones in Kahului are Zone AE, Zone VE, Zone X. Properties in these high-risk zones (SFHA) may require flood insurance with a federally regulated or government-backed mortgage.
Is flood insurance required in Kahului?
If your Kahului property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance. Properties in Zone X are not federally required to carry flood insurance, though coverage is still recommended since about a quarter of all NFIP flood claims come from properties outside high-risk zones.
How do I check my flood zone in Kahului?
Enter your Kahului address in the search tool above for an instant flood zone determination. Results include your FEMA flood zone, SFHA status, base flood elevation (if available), and FIRM panel information, pulled directly from FEMA's National Flood Hazard Layer.
Does Kahului offer flood insurance discounts?
Kahului itself has no CRS rating, but it sits in Maui County, which participates in FEMA's Community Rating System (CRS) with a Class 7 rating. Residents in the Special Flood Hazard Area qualify for up to a 15% discount on NFIP flood insurance premiums. Properties outside the SFHA may receive a 5% discount.
Has Kahului experienced major flooding events?
Maui County, where Kahului is located, has been part of 10 federal disaster declarations for flooding, hurricanes, or severe storms. The most recent was Severe Storms, Flooding, Landslides, and Mudslides in 2026. Federal disaster declarations are issued when flooding overwhelms local resources and triggers FEMA assistance programs.
How many flood insurance claims have been filed in Kahului?
Maui County has recorded 818 NFIP flood insurance claims totaling $26.0M in payouts since 1978. The year with the most claims was 2026, with 157 claims and $10.0M in payouts. These figures cover all NFIP claims in the county, including Kahului.
How many flood insurance policies are there in Kahului?
Maui County had 12,826 NFIP flood insurance policies written or renewed over the trailing 13 months, with an average annual premium of $894. The most policies are in Zone X (5,452 policies). These are county-level counts of policies written or renewed in the trailing 13 months, not a point-in-time count of policies in force - a policy renewed inside that window is counted twice.
How many Kahului properties have flooded repeatedly?
Maui County has 57 properties with multiple flood losses on record, including 9 severe repetitive loss properties. These are properties that have experienced four or more NFIP claims of $5,000+ or two claims exceeding the building value.
Can my Kahului property be removed from a high-risk flood zone?
Yes, if your property's natural ground elevation is above the Base Flood Elevation and FEMA inadvertently mapped it in a high-risk zone, you can apply for a Letter of Map Amendment (LOMA). A successful LOMA removes the property from the Special Flood Hazard Area, generally eliminating the federal mandatory flood insurance requirement. You will need an elevation certificate from a licensed surveyor. If a property was raised above the BFE with fill material, the process is a LOMR-F rather than a LOMA.
What is Base Flood Elevation in Kahului?
Base Flood Elevation (BFE) is the predicted height of floodwaters during a 1% annual chance (100-year) flood, shown on FEMA maps as an elevation number in feet above sea level. In Kahului's Zone AE and Zone VE areas, BFE lines appear on the FIRM as wavy contours labeled with elevation values. Properties with a lowest floor at or above the BFE typically qualify for significantly lower NFIP flood insurance premiums.
Understanding Flood Zones
See the Flood Map for Any Kahului, HI Address
Enter a Kahului, HI address to view its FEMA flood map, zone designation, SFHA status, and insurance requirements.
Disclaimer: Flood risk data on this page is sourced from FEMA datasets including the National Risk Index, NFIP claims and policy records, disaster declarations, and the Community Rating System. These datasets were last extracted on August 2026 and may not reflect the most recent changes. Always verify current flood zone status through FEMA or a licensed determination provider before making property, insurance, or lending decisions.