How many Lava zones does the island of Hawaii have?

The island of Hawaii has nine lava zones, which are designated areas that indicate the level of risk from volcanic activity. These zones are determined based on the history of lava flows and volcanic eruptions, where lower-numbered zones are at greater risk due to proximity to active volcanoes. Each zone plays a crucial role in planning for land use and development, particularly in terms of insurance, real estate, and emergency preparedness.

Understanding the lava zones is essential for mortgage loan originators, especially in Hawaii, as they must assess the implications of these zones on property values and the potential risks faced by homeowners. This knowledge helps gauge the overall safety and investment potential for properties located within these zones. The distinction between the zones can also affect lending practices and ensure that borrowers are fully informed about the risks associated with properties in different areas.