Climate change is reshaping how buyers and investors evaluate real estate on Oahu. Rising sea levels, increased flooding risks, and changing weather patterns are important factors to consider when purchasing property on the island.

Sea level rise is the most visible threat. Scientific projections suggest that sea levels around Hawaii could rise by one to three feet by the end of the century. Coastal properties in areas like Waikiki, North Shore, and parts of Kailua are most vulnerable. The Hawaii Climate Change Mitigation and Adaptation Commission has mapped projected sea level rise scenarios that buyers should review.

Flooding risks extend beyond coastal areas. Increased rainfall intensity can cause flash flooding in valleys and low-lying areas across Oahu. Properties near streams, in flood zones, or in areas with poor drainage should be carefully evaluated. Check FEMA flood maps and understand whether flood insurance will be required for your property.

Insurance implications are significant. Properties in high-risk flood zones require flood insurance, which can add substantial costs to your monthly expenses. Some insurers are also increasing premiums or reducing coverage for coastal properties as climate risks grow. Understanding insurance availability and costs before purchasing is essential.

Despite these challenges, Oahu real estate remains a strong long-term investment. Properties at higher elevations, away from the coast, and in areas with good drainage face lower climate risks while still offering the Hawaii lifestyle. Areas like Mililani, Pacific Palisades, and parts of Hawaii Kai are well-positioned.

Kristy and Austin Home Group helps buyers evaluate climate risks as part of our comprehensive property analysis. We provide honest guidance about location-specific risks and help you find properties that offer both the lifestyle you want and long-term resilience.