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Flood insurance costs in ZIP 96791 (Waialua, HI)

Plain facts for homeowners in Waialua: what flood insurance costs here, which flood zones local policies are in, and how the area's home insurance compares.

See the numbers

Historical averages, not a quote. Updated Oct 2026.

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ZIP 96791 at a glance

Four numbers most homeowners ask about first.

$2,504
Avg. flood policy

Single-family NFIP policies that took effect in 2025.

253
Flood policies

Single-family NFIP policies that took effect in 2025.

93%
In A or V zones

Share of those policies for homes in FEMA's high-risk flood zones.

$2,068
County home premium

Typical Honolulu County ZIP in 2022 (Treasury, inflation-adjusted).

ZIP 96791 in numbers
$2,604
median flood policy cost (2025)
$239,249
average building coverage
$2,597
average flood policy (2022)
Rel. high
county FEMA risk rating

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

Treasury didn't publish homeowners figures for ZIP 96791. It only released ZIP codes with at least 10 reporting insurers and 50 policies in its data. For reference, the typical ZIP code in Honolulu County averaged $2,068 per policy in 2022.

Honolulu County, Hawaii and U.S. typical ZIP codes

Honolulu County overview

Typical premium per policy

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

Flood insurance

FEMA NFIP single-family policies, 2022–2025

The average single-family NFIP flood policy that took effect in ZIP 96791 in 2025 cost $2,504, based on 253 policies, compared with $2,597 in 2022. About 93% 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

253 policies
A zones 59%X/B/C zones 7%V zones 34%

Natural hazards

FEMA National Risk Index for Honolulu County

FEMA rates hazards for the whole county, not single ZIP codes. The top hazards for Honolulu County are listed, as national percentiles (100 = highest).

All county hazards

Top county hazards

  • Lightning100 · Very High
  • Landslide100 · Relatively High
  • Inland flooding99 · Very High
  • Wildfire99 · Relatively High
  • Earthquake99 · Relatively High

Other ZIP codes in Honolulu County

ZIP codes with their own page.

96701 Aiea · $2,13696706 Ewa Beach · $1,36596707 Kapolei · $1,56196712 Haleiwa · $2,06896734 Kailua · $2,38696744 Kaneohe · $1,96096789 Mililani · $1,87096797 Waipahu · $1,57796816 Honolulu · $2,21396821 Honolulu · $2,75096825 Honolulu · $2,139

Practical next steps

Simple things homeowners in ZIP 96791 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.
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.
Keep records. A roof certificate, receipts for upgrades and photos of your home's condition can help when you shop for coverage or file a claim.

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.