The island is remarkably safe. Respect the local culture and you'll be OK.
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The regional language of Pohnpei is Pohnpeian. However, most people learn English as well. Outside of the capital and the college, most people only have rudimentary English skills, and once you get into the villages, only Pohnpeian is spoken, by and large. The older population has more proficiency in Japanese, the language of the occupation during their childhood.