If your home was damaged in the May 22 earthquake, the deadline to apply for federal assistance is November 1, 2026. Details below.
Aloha kākou. What a year on Hawaiʻi Island.
Two back-to-back Kona lows in March. A magnitude 6.0 earthquake under South Kona in May. Hurricane Lala in August, with Tropical Storm Moke right behind it. And this week, Hurricane Lowell swinging past the western end of the island chain.
Even for those of us who grew up here, it's been a lot. My heart is with everyone still cleaning up — especially our ʻohana in Kaʻū and South Kona, who have taken hit after hit.
This issue is a little different. Below is a plain-language recap of each event, what it revealed about how land and homes hold up on this island, and a short checklist for owners, buyers, and families caring for land.
2026 at a Glance
- Mar 10–24Back-to-back Kona lows
- May 22Magnitude 6.0 Hōnaunau–Nāpōʻopoʻo earthquake
- Aug 15–16Hurricane Lala, followed days later by Tropical Storm Moke
- Sep 7–8Hurricane Lowell passes west of the main islands
MarchThe Kona Lows
Kona lows come at us from the south and west — the "wrong" direction — which means the leeward side that's usually dry takes the hit.
The first storm arrived March 10 and lingered for days, pushing rainfall past a foot on every island. A second Kona low followed about a week later and dropped more rain onto ground that was already saturated.
Here at home, flash flooding sent water rushing downslope through Kealakekua near Kona Community Hospital and into homes. Greenwell Farms, one of Kona's oldest coffee farms, lost its water supply and saw floodwater run through the farmhouse. Wind tore the roof off a restaurant on Aliʻi Drive, Highway 11 through Waiʻōhinu turned into a river, and thousands lost power across the island. (A federal disaster declaration followed in April; that FEMA application window has since closed.)
What it showed us: Kona's "dry side" reputation is about averages, not guarantees. Water follows the slope — and on our mauka-to-makai lots, what sits uphill of your property matters as much as the property itself.
MayThe Kona Earthquake
At 9:46 p.m. on Friday, May 22, a magnitude 6.0 earthquake struck about 7 miles south of Hōnaunau and Nāpōʻopoʻo, roughly 14 miles deep. It was felt across the state.
USGS says this one wasn't volcanic. It was caused by the sheer weight of the islands bending the ocean plate beneath us — a reminder that seismic risk here isn't limited to the areas near Kīlauea.
At least five homes were destroyed and more than 140 residential properties were damaged. Some post-and-pier homes in South Kona shifted or dropped off their foundations. Rockslides — some boulders five feet across — closed Highway 11, Nāpōʻopoʻo Road and Miloliʻi Road overnight, and many families found cracked or damaged water catchment systems. A magnitude 4.1 aftershock rattled the same area in August.
Federal help is now available — deadline Nov. 1
On September 1, a federal major disaster declaration (FEMA-4936-DR) was approved for the Kona earthquake. Eligible Hawaiʻi County residents may qualify for:
- Temporary housing if you can't stay in your home
- Basic repairs to make a primary residence safe and livable
- Repair or replacement of damaged residential water catchment systems
- Help with other essential disaster-related expenses
SBA low-interest physical damage loans are also available, with the same Nov. 1 deadline.
File with your insurance company first — FEMA can't pay for losses your policy already covers, but it may help with what insurance doesn't. State officials are encouraging people to apply even if you're unsure you qualify. This declaration covers the earthquake only, not Lala or Lowell.
What it showed us: foundation type and water systems are the two things I now look at first on any rural property.
AugustHurricane Lala
On August 15–16, Hurricane Lala's eyewall brushed the southern tip of the island. It's been widely reported as the first hurricane to directly strike Hawaiʻi Island since 1871.
The rain was historic. Laupāhoehoe recorded more than 43 inches, over 20 inches fell at 15 different spots around the island, and Nāʻālehu saw 4.4 inches in a single hour. Flash floods swept homes off their foundations in Nāʻālehu and Waiʻōhinu. Highway 11 washed out in front of Pāhala Hospital and near Nāʻālehu, cutting Pāhala off completely — no power, no running water, no sewer. Power lines came down along the Hāmākua coast, and it even snowed on Mauna Kea.
Damage on our island neared $50 million, and Kaʻū lost neighbors. Tropical Storm Moke brought more rain just days later.
Where things stand: the state rebuilt the Highway 11 washouts by August 24, with finish work continuing into September. Temporary housing help is still available for those affected by Lala and Moke (see Resources).
What it showed us: the state's transportation director made a point that stuck with me — flood problems often start far upstream, when debris blocks a stream and water carves a new path. Sometimes the stream simply wants to move. If you own or are buying rural land, the gulches and drainages above your parcel are part of your homework.
SeptemberHurricane Lowell
After peaking as a powerful major hurricane, Lowell tracked west of Kauaʻi and Niʻihau on September 7–8. Kauaʻi took the brunt.
For Hawaiʻi Island, Lowell's winds never reached us. Forecasters had warned of up to a foot of rain, but we stayed on the outer edge of the moisture, and Civil Defense reported no flood damage as of September 9.
What we did get was big surf. A high surf warning covered our south- and west-facing shores, and conditions off Kona were rough enough that a cruise ship couldn't run its tenders and stayed an extra day in Hilo instead. Leftover tropical moisture is still hanging around: as of this writing, a flood advisory covered parts of South Kona and Kaʻū, including Ocean View, Nāʻālehu, Kāwā Flats and Miloliʻi.
Hurricane season runs through November 30. We're not done yet.
LandWhat I'm Now Asking About Every Property
These events didn't change the fundamentals of buying land here — they underlined them. On every rural, ag, or off-grid property, I'm digging into four things:
- The water system. Catchment tanks, liners, pumps and lines can crack in an earthquake or fill with sediment after a flood. Ask when the tank was last inspected, whether it was affected by the May quake, and test the water after major storms.
- The foundation. Post-and-pier is common and practical here, but ask about bracing and connections. On older homes or anything that moved in May, a structural engineer is money well spent.
- Where the water goes. A flood zone map is a starting point, not the whole story. If you can, walk the land after a heavy rain. Look uphill. Find the gulches, culverts and drainage paths.
- Access. Pāhala showed how quickly a community can be cut off when one road fails. Know your routes in and out — and whether your road is county, state, or private, and who's responsible for fixing it.
→ Go deeper: Lava Zones & Water · Off-Grid Living
LifeInsurance, Timing & Paperwork
Read your policy now, not during the next warning. Standard homeowners policies generally exclude flood and earthquake, and many Hawaiʻi policies handle hurricane coverage separately or with its own deductible. Know what you have.
Buying during hurricane season? When a hurricane watch or warning is posted, insurers typically pause writing new policies — and no binder can mean no closing. Build a little cushion into your timeline.
Document everything. Photos, receipts, contractor invoices, permits. If you're selling, past damage and repairs are the kind of material facts that belong in your disclosures. Good records protect you and give buyers confidence.
LegacyCheck on the Family Land
If your ʻohana holds land that nobody lives on day to day — an inherited lot in Kaʻū, pasture mauka, a kuleana parcel — take a drive out or send a cousin.
Downed trees, washed-out access roads, cracked tanks and broken fences can sit unnoticed for months, and every rain makes it worse. Photograph what you find and call your insurance agent. And if a kupuna or family member's home was damaged in the May earthquake, help them get their application in before November 1.
→ More on caring for family property: Family Land & Kuleana · Inherited Property
Resources
- Kona Earthquake — FEMA Assistance (deadline Nov. 1, 2026)
- DisasterAssistance.gov · 1-800-621-3362 (7 a.m.–10 p.m. daily)
- SBA Disaster Loans (deadline Nov. 1, 2026)
- sba.gov/disaster · 1-800-659-2955
- Hurricane Lala & Tropical Storm Moke — Temporary Housing Help
- 808-818-7587 (9 a.m.–6 p.m. daily)
- Hawaiʻi Insurance Division — Claims Help
- cca.hawaii.gov/ins · 1-844-808-3222 ext. 4
- Hawaiʻi County Civil Defense
- 808-935-0031
- Recovery Center Locations & Updates
- ready.hawaii.gov
Let's Talk Story
Wondering how this year's events affect a property you own, one you're eyeing, or family land that took a hit? I'm happy to talk it through — no pressure, no scripts, just honest local answers.
Talk Story with Keala →Mālama pono, and take care of each other out there.
Keala
Keala M. Wall, REALTOR® · License RS-82797. The Agency Team Hawaiʻi, brokered by eXp Realty · Brokerage License RB-21841 · 6600 Kalanianaʻole Hwy #114, Honolulu, HI 96825.
Information in this post is current as of September 10, 2026, and conditions change quickly. Always follow Hawaiʻi County Civil Defense and the National Weather Service for current alerts. This post is for general information and is not legal, insurance, or financial advice.