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Home insurance & flood costs in ZIP 96740 (Kailua Kona, HI)

Plain facts for homeowners in Kailua Kona: what insurance cost here in recent years, how often claims were paid, and what flood coverage runs.

See the numbers

Historical averages, not a quote. Updated Oct 2026.

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ZIP 96740 at a glance

Four numbers most homeowners ask about first.

$2,719
Avg. home premium

Per policy in 2022 (inflation-adjusted), HO-3/HO-5 policies.

$2,069
Avg. flood policy

Single-family NFIP policies that took effect in 2025.

0.14%
Nonrenewal rate

Share of policies not renewed by insurers in 2022. Typical U.S. ZIP: 0.81%.

1.8%
Claim frequency

Share of policies with a paid claim in 2022. Typical U.S. ZIP: 4.0%.

ZIP 96740 in numbers
$19,510
average paid claim (2022)
+16%
premium change 2018–2022, after inflation
0.90%
cancelled by insurers mid-term (2022)
182
single-family NFIP 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

The average premium per policy in ZIP 96740 was $2,719 in 2022, 34% above the Hawaii County typical ZIP ($2,023) and 75% above the typical U.S. ZIP code ($1,551). After adjusting for inflation, it rose 16% between 2018 and 2022. About 1.8% of policies here had a paid claim in 2022, and insurers chose not to renew 0.14% of policies.

Hawaii County overview

Average premium per policy

Inflation-adjusted dollars, Treasury FIO
ZIP 96740HawaiiU.S. typical ZIP

Flood insurance

FEMA NFIP single-family policies, 2022–2025

The average single-family NFIP flood policy that took effect in ZIP 96740 in 2025 cost $2,069, based on 182 policies, compared with $1,370 in 2022. About 33% of them are for homes in high-risk A or V zones.

Average flood policy cost

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

Policies by flood zone, 2025

182 policies
A zones 18%X/B/C zones 66%V zones 15%Other/unrated 1%

Claims & hazards

Treasury FIO claim frequency; FEMA National Risk Index for Hawaii County

The chart shows the share of homeowners policies in ZIP 96740 with at least one paid claim each year. FEMA rates hazards for the whole county, not single ZIP codes. The top hazards for Hawaii County are listed below the chart, as national percentiles (100 = highest).

All county hazards

Policies with a paid claim

Share of policies, by year

Top county hazards

  • Volcanic activity100 · Very High
  • Earthquake99 · Relatively High
  • Inland flooding99 · Relatively High
  • Wildfire98 · Relatively High
  • Lightning98 · Very High

Other ZIP codes in Hawaii County

Average premium per policy in 2022 (Treasury FIO).

96720 Hilo · $1,56596743 Kamuela · $2,482

Practical next steps

Simple things homeowners in ZIP 96740 can do with this information.

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.
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.
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.