Pacific Storm by Linda Nagata

Ava Arnett is a Honolulu cop, captain of the night shift in the autonomous Waikiki District. Nine years ago a massive hurricane hit the island. Ava remains haunted by the mistakes she made and the lives she failed to save during that disaster. Since then, she relies on HADAFA, an AI designed to observe, analyze, and predict human behavior. HADAFA monitors her actions, and its assessments guide her decisions.

Now, another Category 5 hurricane is approaching Honolulu… In the hectic hours before landfall, Ava stumbles into a terrorist conspiracy – and HADAFA begins to glitch. She can no longer rely on the AI. She must decide on her own whether or not to trust a mysterious federal agent named Lyric Jones – knowing the wrong choice could lead to greater devastation… and a war no one will win.