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Home insurance costs & natural hazards in Hawaii

Plain facts for Hawaii homeowners: what coverage has cost across the state, what flood insurance runs, and which natural hazards matter in each county.

See the numbers

Historical averages, not a quote. Updated Oct 2026.

Illustration of a house on a hill in front of a large shield

Hawaii at a glance

Four numbers most homeowners ask about first.

$2,136
Typical home premium

Median ZIP code, per policy per year in 2022 (inflation-adjusted).

$2,002
Avg. flood policy

Single-family NFIP policies that took effect in 2025.

0.28%
Nonrenewal rate

Median ZIP in 2022. Typical U.S. ZIP: 0.81%.

2 of 5
Counties rated high

Counties FEMA rates relatively high or very high on its overall National Risk Index.

Hawaii in numbers
1.5M
residents (2020 Census)
2.1%
of policies had a paid claim (2022, median ZIP)
$16,238
average paid claim (2022, median ZIP)
8,821
single-family NFIP flood policies (2025)

What homeowners in Hawaii pay

Each block pairs a short explanation with the data behind it.

Homeowners insurance

U.S. Treasury FIO, HO-3/HO-5 policies, 2018–2022

The typical Hawaii ZIP code saw homeowners premiums of $2,136 per policy in 2022, 38% above the typical U.S. ZIP code ($1,551). After adjusting for inflation, that figure rose 9% between 2018 and 2022. The figures come from 25 Hawaii ZIP codes in Treasury's data.

Premiums by county

Typical premium per policy

Inflation-adjusted dollars, median across ZIP codes
HawaiiU.S. typical ZIP

Flood insurance

FEMA NFIP single-family policies, 2022–2025

Standard home policies don't cover floods. 8,821 single-family NFIP policies took effect in Hawaii in 2025, at an average full cost of $2,002, compared with $1,609 in 2022. About 62% of those policies are for homes in high-risk A or V zones.

Flood costs by county

Average flood policy cost

Full cost incl. fees, by year the policy took effect

Policies by flood zone, 2025

8,821 policies
A zones 53%X/B/C zones 35%V zones 9%Other/unrated 3%

Natural hazards

FEMA National Risk Index, December 2025

Bars count how many of Hawaii's 5 counties FEMA rates relatively high or very high for each hazard. The most widespread are lightning, inland flooding and earthquake. Open any county for its full hazard profile.

How the ratings work

Hazards across Hawaii's counties

Counties FEMA rates relatively high or very high

Hawaii counties

All 5 counties: typical premium (2022), average flood policy (2025) and FEMA's overall risk rating.

Typical home premium by county, 2022

Tap a county to open its page. White = not enough data.
Hawaii County: $2,023Honolulu County: $2,068Kalawao County: no dataKauai County: $2,293Maui County: $2,121
under $2,023$2,023–$2,068$2,068–$2,121$2,121–$2,293$2,293+
CountyPremiumFloodFEMA rating
Hawaii County$2,023$1,891Relatively High
Honolulu County$2,068$2,071Relatively High
Kalawao County——Very Low
Kauai County$2,293$2,052Relatively Moderate
Maui County$2,121$1,707Relatively Moderate

ZIP codes with the most flood policies

96734 Kailua96821 Honolulu96753 Kihei96816 Honolulu96720 Hilo96712 Haleiwa96752 Kekaha96744 Kaneohe96825 Honolulu96791 Waialua96793 Wailuku96701 Aiea

Practical next steps

Simple things Hawaii homeowners can do with this information.

Check your flood zone. Look up your address on FEMA's Flood Map Service Center (msc.fema.gov). Standard home policies don't cover flood damage, and flood insurance usually has a 30-day waiting period, so it's worth sorting out before storm season.
Create defensible space. Clearing dry brush and debris within 30 feet of the house and using ember-resistant vents can lower wildfire exposure. Some insurers and states recognize mitigation work with discounts.
Know that earthquake damage is separate. Standard homeowners policies exclude earthquakes. If shaking is a concern where you live, ask about a separate earthquake policy or endorsement and its deductible.
Compare at renewal. Premiums vary widely by ZIP code, home and insurer. Use these averages as a reference point, not a price, and compare a few quotes at renewal.

Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer.

Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.

This product uses the FEMA OpenFEMA API and National Risk Index data, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.