Understanding Volcanic Hazard Zones on the Big Island of Hawaii
Hawaii’s Big Island is home to incredible natural beauty, but its landscape is shaped by ongoing volcanic activity. The island is divided into volcanic hazard zones, primarily numbered 1 through 9, based on the likelihood of lava flows and volcanic risks. In this blog, we’ll focus on zones 1, 2, and 3, which represent the areas of greatest risk.
What Are Volcanic Hazard Zones?
The volcanic hazard zones on the Big Island are established by the United States Geological Survey (USGS) to assess and communicate the risks posed by lava flows. These zones help homeowners, buyers, and developers understand potential hazards in specific areas.


Zone 1: The Highest Risk Area
Volcanic Hazard Zone 1 includes areas where lava flows are most likely to occur. These zones are directly on or near active volcanoes, such as Kīlauea and Mauna Loa. Key features of Zone 1 include:
- Active Lava Flows: The region is closest to the most recent eruptions.
- Frequent Volcanic Activity: Historically, lava flows in Zone 1 are frequent and can occur with little warning.
- Limited Development: Due to the high risk, development is minimal, and insurance premiums can be expensive or unavailable.
Notable Areas in Zone 1:
- Kīlauea’s East Rift Zone
- Parts of Puna district
Homebuyers should carefully consider the risks of living in Zone 1, as the threat of lava flows is constant.
Zone 2: High Risk but More Stable
Zone 2 areas are adjacent to Zone 1 and include regions where lava flows are less frequent but still a significant concern. Lava can flow into Zone 2 from eruptions originating in Zone 1 or from other nearby sources.
Key characteristics of Zone 2 include:
- Proximity to Active Volcanoes: While slightly removed from direct volcanic activity, Zone 2 remains vulnerable.
- Historical Lava Flows: This zone has experienced eruptions in the past and continues to be monitored closely.
- Development Considerations: Homeowners may find more options for insurance, but premiums are often higher than in lower-risk zones.
Notable Areas in Zone 2:
- Parts of the Puna and Ka‘ū districts
- Certain slopes of Mauna Loa
Zone 3: Moderate Risk with Increased Development Opportunities
Volcanic Hazard Zone 3 is considered moderately risky. While lava flows can still reach these areas, they are less frequent than in Zones 1 and 2. This zone is often more attractive for homeowners and developers due to its balance of natural beauty and reduced volcanic risk.
Key characteristics of Zone 3 include:
- Occasional Lava Flows: While rare, lava flows have occurred historically in Zone 3.
- Greater Development Potential: Zone 3 is home to more residential and commercial developments.
- More Affordable Insurance: Insurance rates in this zone are generally more manageable compared to Zones 1 and 2.
Notable Areas in Zone 3:
- Hilo outskirts
- Southern Kona slopes
Considerations for Homebuyers in Lava Zones
When considering property on the Big Island, it’s essential to understand the implications of the volcanic hazard zones:
- Insurance: Lava zones 1 and 2 can make obtaining insurance difficult or costly. Be sure to explore your options before purchasing.
- Risk Assessment: Research the property’s history and proximity to active volcanoes.
- Building Requirements: Some areas may have stricter building codes or require specific measures to mitigate volcanic risks.
How to Stay Safe in Volcanic Zones
Living near an active volcano requires preparation and awareness. Here are a few tips:
- Monitor Updates: Stay informed with USGS updates and alerts for volcanic activity.
- Have a Plan: Ensure your household has an evacuation plan in place.
- Understand the Risks: Know how your property’s location impacts your exposure to lava flows and other hazards.
For more information or guidance on purchasing property in Hawaii’s volcanic zones, feel free to contact me. Let’s navigate these unique challenges together!

Renee H. Kraft Luxury Top performing Hawaii State Broker born and raised on the island of Oahu named one of Hawaii State’s very best Realtors. She brings exceptional service to her clientele. Licensed professional Realtor in Hawaii Real Estate since 1992. She has the experience and tenacity to market effectively, negotiate, and focus with attention to detail every step of the way. Educated 7th – 12th grades at the La Pietra Hawaii School for Girls and the University of Hawaii Manoa campus with a B.A. in Psychology. She strives to continually keep up on the Hawaii economic forecasts and daily market activity. Technology driven Renee understands the importance of keeping her clientele in the loop on current market availablility and knowing the market inventory is 100% key to get her clients what they want. Extraordinary exceptional homes, estates, condominiums, and vacant land are her specialty. Integrity and honesty are just a fraction of what Renee shares with her clients and a very strong work ethic. Putting the client’s needs first utilizing the range of experience and knowledge, combined with a a huge amount of Aloha gives her great satisfaction that she can help her clients make sound and profitable real estate investments. Member Rotary Club of Kona -Accredited Buyers Representative (ABR) -Sellers Representation Specialist (SRS) -Graduate Realtors Instutute (GRI) -Resort and Second Home Property Specialist RSPS).


























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