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Flood insurance cost · HI

Flood insurance cost in Hawaii

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 10,453 home policies in force on August 31, 2026.

HawaiiPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,480a year

Half of insured homes paid between $1,119 and $2,716. That is 37% more than the national median ($1,082). The most common flood zone for insured homes here is zone AE (38%).

$0$1,119 · $1,480 · $2,716$3,395
+14.6% vs Aug 31, 2025 (median $1,292)
10,453home policies in force
$2,056average cost (mean)
62%of insured homes in high-risk zones (A, V)
$250,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Disaster declarations: see FEMA declarations and IRS tax relief in Hawaii, county by county.

Cost by flood zone in Hawaii

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone VE / V
High risk, coastal		$2,950$1,866–$4,054$3,1781,004 (10%)+8.9%
Zone AE
High risk		$1,720$1,232–$2,958$2,2673,962 (38%)+10.4%
Zone A
High risk		$2,201$1,359–$3,300$2,472219 (2%)+5.3%
Zone AO
High risk, shallow		$2,582$1,364–$3,258$2,445513 (5%)+11.4%
Zone AH
High risk, shallow		$2,562$1,286–$3,094$2,351755 (7%)+15.2%
Zone X
Moderate to low risk		$1,246$1,079–$1,370$1,3433,638 (35%)+15.7%
Zone D
Undetermined		$1,974$1,051–$3,566$2,371362 (3%)−3.8%

Not shown (fewer than 10 home policies): A99/AR. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in Hawaii, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home8,987$1,492$2,133
2–4 unit building431$2,252$2,527
Condo or apartment unit1,032$945$1,187
Whole residential building (5+ units or condo association)
One policy covers the whole building, so the cost is much higher than for a single home.		1,558$7,518$21,665
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		1,386$4,836$6,786

Not shown (fewer than 10 policies): manufactured (mobile) home.

13,397NFIP policies in force, any building
64,636insured units (condo association policies count every unit)
64%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Hawaii

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

Aug 31, 2025Aug 31, 2026Change
Home policies in force10,21510,453+2.3%
Median annual cost$1,292$1,480+14.6%
Average annual cost$1,849$2,056+11.2%
All policies in force (any building)13,03713,397+2.8%

Flood claims history

Since 1978, NFIP policyholders in Hawaii have filed 6,285 flood claims. 3,989 received a payment, for a total of $167.9 million (an average of $42,102 per paid claim). The year with the most claims was 1992 (1,116 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1978: 44 claims, 31 paid, $129,930 in total1979: 67 claims, 43 paid, $195,187 in total1980: 227 claims, 138 paid, $1,048,146 in total19801981: 49 claims, 31 paid, $86,973 in total1982: 280 claims, 197 paid, $4,113,531 in total1983: 99 claims, 48 paid, $337,841 in total1984: 50 claims, 25 paid, $234,900 in total1985: 85 claims, 48 paid, $252,335 in total1986: 130 claims, 86 paid, $1,274,300 in total1987: 131 claims, 105 paid, $1,037,417 in total1988: 173 claims, 124 paid, $1,592,468 in total1989: 53 claims, 22 paid, $114,586 in total1990: 38 claims, 15 paid, $99,683 in total19901991: 251 claims, 155 paid, $1,938,992 in total1992: 1,116 claims, 550 paid, $35,935,047 in total19921993: 41 claims, 28 paid, $274,822 in total1994: 64 claims, 46 paid, $488,416 in total1995: 99 claims, 59 paid, $1,125,220 in total1996: 163 claims, 94 paid, $850,993 in total1997: 33 claims, 18 paid, $478,589 in total1998: 13 claims1999: 17 claims2000: 81 claims, 58 paid, $1,908,451 in total20002001: 31 claims, 14 paid, $185,481 in total2002: 48 claims, 28 paid, $617,834 in total2003: 93 claims, 74 paid, $1,769,810 in total2004: 97 claims, 64 paid, $850,021 in total2005: 44 claims, 24 paid, $228,605 in total2006: 200 claims, 164 paid, $3,751,008 in total2007: 93 claims, 59 paid, $1,569,310 in total2008: 214 claims, 158 paid, $5,124,115 in total2009: 25 claims, 20 paid, $290,505 in total2010: 47 claims, 30 paid, $737,523 in total20102011: 231 claims, 135 paid, $12,440,294 in total2012: 114 claims, 71 paid, $1,929,843 in total2013: 17 claims2014: 70 claims, 44 paid, $1,606,409 in total2015: 43 claims, 14 paid, $1,005,550 in total2016: 96 claims, 59 paid, $4,127,662 in total2017: 47 claims, 25 paid, $1,026,237 in total2018: 521 claims, 427 paid, $30,848,373 in total20182019: 36 claims, 13 paid, $340,526 in total2020: 52 claims, 32 paid, $1,057,762 in total20202021: 202 claims, 140 paid, $7,513,810 in total2022: 36 claims, 19 paid, $2,015,183 in total2023: 36 claims, 24 paid, $4,495,827 in total2024: 90 claims, 72 paid, $3,854,623 in total2025: 39 claims, 27 paid, $2,953,197 in total2026: 459 claims, 310 paid, $23,732,998 in total2026
Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.
All years with at least 10 claims (49)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
2026459310$23,732,998$76,558
20253927$2,953,197$109,378
20249072$3,854,623$53,536
20233624$4,495,827$187,326
20223619$2,015,183$106,062
2021202140$7,513,810$53,670
20205232$1,057,762$33,055
20193613$340,526$26,194
2018521427$30,848,373$72,244
20174725$1,026,237$41,049
20169659$4,127,662$69,960
20154314$1,005,550$71,825
20147044$1,606,409$36,509
201317<10––
201211471$1,929,843$27,181
2011231135$12,440,294$92,150
20104730$737,523$24,584
20092520$290,505$14,525
2008214158$5,124,115$32,431
20079359$1,569,310$26,598
2006200164$3,751,008$22,872
20054424$228,605$9,525
20049764$850,021$13,282
20039374$1,769,810$23,916
20024828$617,834$22,066
20013114$185,481$13,249
20008158$1,908,451$32,904
199917<10––
199813<10––
19973318$478,589$26,588
199616394$850,993$9,053
19959959$1,125,220$19,072
19946446$488,416$10,618
19934128$274,822$9,815
19921,116550$35,935,047$65,336
1991251155$1,938,992$12,510
19903815$99,683$6,646
19895322$114,586$5,208
1988173124$1,592,468$12,842
1987131105$1,037,417$9,880
198613086$1,274,300$14,817
19858548$252,335$5,257
19845025$234,900$9,396
19839948$337,841$7,038
1982280197$4,113,531$20,881
19814931$86,973$2,806
1980227138$1,048,146$7,595
19796743$195,187$4,539
19784431$129,930$4,191

From 2016 to 2026: 1,614 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

Counties in Hawaii

Counties with at least 100 NFIP home policies in force have their own page.

ZIP codes with the most insured homes