Climate change is reshaping how we think about real estate, and nowhere is this more relevant than in Hawaii. As an island state surrounded by rising seas, Oahu faces unique challenges that every homebuyer and investor should understand before making a purchase decision.

Sea level rise is the most visible climate change concern for Oahu real estate. Scientists project that sea levels around Hawaii could rise significantly over the coming decades, potentially affecting coastal properties, infrastructure, and beach access. The Hawaii Climate Change Mitigation and Adaptation Commission has published maps showing areas that could be affected by various sea level rise scenarios.

Coastal erosion, which is already a concern on Oahu, is expected to accelerate with rising seas and changing storm patterns. Properties along the shoreline may face increased risk of structural damage, loss of land, and reduced property values over time. Buyers should carefully evaluate the erosion history and future projections for any coastal property.

Flooding risk is increasing on Oahu, both from coastal inundation and from more intense rainfall events. Low-lying areas near the coast and properties in flood-prone valleys may see increased flooding frequency. Understanding FEMA flood zone designations and the potential for future flood zone expansions is important for both insurance costs and property value.

Insurance availability and costs are directly affected by climate change risks. Some insurers are already adjusting their coverage and pricing for coastal properties in Hawaii. Buyers should factor in the potential for rising insurance costs when evaluating the long-term affordability of a property, particularly those in high-risk areas.

Hawaii is taking proactive steps to address climate change impacts on real estate. The state requires sellers to disclose whether a property is in a sea level rise exposure area. The City and County of Honolulu has updated building codes and setback requirements for coastal development, and there are ongoing discussions about managed retreat from the most vulnerable areas.

For investors, climate risk assessment is becoming an increasingly important part of due diligence. Properties in areas with lower climate risk may see stronger long-term appreciation, while those in high-risk areas could face declining values and increasing costs over time.

The good news is that much of Oahu's developed area is at higher elevations and relatively protected from the most severe climate change impacts. Understanding which neighborhoods offer the best combination of lifestyle, value, and climate resilience can help you make a smart long-term investment.

At Kristy and Austin Home Group, we stay informed about climate change impacts on Oahu real estate and help our clients make decisions that consider both current and future conditions. Contact us today for guidance on finding properties that offer long-term value and resilience.