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Home insurance & natural hazards in Hawaii County, HI

Calm, plain facts for homeowners in Hawaii County: what neighbors have paid for coverage, what flood insurance costs, and which weather hazards matter most here.

  • Typical premiums from U.S. Treasury insurance data
  • Flood insurance costs from 887 FEMA NFIP policies
  • 16 natural hazards rated by the FEMA National Risk Index
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.

$2,023
Typical home premium

Per policy per year in 2022, median of 4 ZIP codes (inflation-adjusted).

$1,891
Avg. flood policy

Average full cost of a single-family NFIP policy that took effect in 2025.

0.23%
Nonrenewal rate

Share of policies insurers chose not to renew in 2022, median ZIP. Typical U.S. ZIP: 0.81%.

Rel. high
FEMA risk rating

Overall National Risk Index rating, higher than 98.5% of U.S. counties.

Hawaii County in numbers
200,469
residents (2020 Census)
1.5%
of policies had a paid claim (2022, median ZIP)
$24,160
average paid claim (2022, median ZIP)
887
single-family NFIP flood policies (2025)

What homeowners here 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

Typical premiums in Hawaii County were $2,023 per policy in 2022, 5% below the typical Hawaii ZIP code ($2,136) and 30% above the typical U.S. ZIP code ($1,551). After adjusting for inflation, local premiums rose 8% between 2018 and 2022.

Premiums by ZIP

Typical premium per policy

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

Flood insurance

FEMA NFIP single-family policies, 2022–2025

Standard home policies don't cover floods. The average single-family NFIP policy that took effect here in 2025 cost $1,891, compared with $1,268 in 2022. About 50% of local policies are for homes in high-risk A or V zones and 50% in moderate- to lower-risk zones.

Flood costs by ZIP

Average flood policy cost

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

Policies by flood zone, 2025

887 policies
A zones 43%X/B/C zones 50%V zones 7%Other/unrated 0%

Natural hazards

FEMA National Risk Index, December 2025

Bars show how Hawaii compares with every U.S. county for each hazard (100 = highest). Volcanic activity, earthquake and inland flooding rank highest here. A high rank doesn't mean an event is likely in any given year. It shows where preparation and the right coverage matter most.

How the ratings work

Hazard risk, national percentile

Higher than X% of U.S. counties

Compare nearby

Neighboring counties

Typical premium 2022 (Treasury FIO), nonrenewal 2022, avg. flood policy 2025 (NFIP)
CountyPremiumNonrenewalFlood
Hawaii County$2,0230.23%$1,891

Flood insurance by ZIP, 2025

FEMA NFIP, single-family homes, ZIPs with the most policies
ZIPPoliciesAvg. cost
96720 Hilo385$1,744
96740 Kailua Kona182$2,069
96743 Kamuela157$2,500
96704 Captain Cook38$1,535
96727 Honokaa20$1,863
96749 Keaau20$1,181
96750 Kealakekua20$1,411
96725 Holualoa13$1,187

ZIP code pages in Hawaii County

96720 Hilo96740 Kailua Kona96743 Kamuela

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.
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.
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.
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.