ZIP 96765 Property Distress & Foreclosure Data

In Kauai County, Hawaii, ZIP 96765 scores 32 of 100 for composite distress, a moderate level on DLRadar's public-record index. It additionally carries heavy environmental risk: flood (NFIP) exposure (93/100), climate & FEMA risk (85/100), FEMA disaster exposure (64/100). On the structural side it scores 71/100, with 7/100 of stress already active. Its standout signals are structural risk (71/100), construction/permit lag (58/100), institutional ownership (55/100). By contrast, mortgage stress (24/100) register low.

The market reads expansion — home values rose 7.1% year on year (phase confidence 66/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Around 36% of adults hold a bachelor's degree or higher. The demographic-stress sub-score lands at 47/100. The poverty rate is 2.7% — low. Around 51% of renters are cost-burdened. 64% of housing is owner-occupied. The ZIP holds roughly 247 housing units. At $83,641, median income runs near typical U.S. levels. The vacancy rate is 20.2% — elevated. The typical home is worth about $864,600 (8.7× income, severely stretched). About 516 people live here, median age 38.

Net-net, 96765 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.