Local providers covering 1 city across Hawaii.
Hawaii's water damage risk is shaped by its volcanic terrain and tropical climate. The islands' steep, short watersheds mean heavy rainfall can turn into flash flooding within a very short time, often before residents have much warning. Tropical storms and hurricanes, while less frequent than in mainland coastal states, can bring extreme rainfall totals, as seen when Hurricane Lane in 2018 dropped record amounts of rain on parts of the state. Coastal areas also face periodic flooding from high surf and king tide events.
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