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Flood insurance cost · Hawaii County, HI

Flood insurance cost in Hawaii County, Hawaii

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 998 home policies in force on August 31, 2026.

Hawaii County, HawaiiPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,293a year

Half of insured homes paid between $1,086 and $1,588. That is 13% less than the Hawaii median ($1,480). Most insured homes here are rated in zone X (51%).

$0$1,086 · $1,293 · $1,588$1,985
+14.1% vs Aug 31, 2025 (median $1,133)
998home policies in force
$1,961average cost (mean)
48%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: 6 FEMA declarations · individual aid · IRS Feb 1, 2027. FEMA declarations and IRS tax relief in Hawaii County.

Cost by flood zone in Hawaii County

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		$2,352$1,310–$4,770$3,29190 (9%)+43.2%
Zone AE
High risk		$1,313$1,092–$2,239$2,093261 (26%)+15.3%
Zone A
High risk		$2,014$1,226–$3,990$2,76371 (7%)+7.4%
Zone AO
High risk, shallow		$1,286$1,134–$2,552$2,50040 (4%)+13.9%
Zone AH
High risk, shallow		$1,285$1,116–$1,586$1,57221 (2%)+13.3%
Zone X
Moderate to low risk		$1,266$1,084–$1,457$1,511513 (51%)+16.8%

Not shown (fewer than 10 home policies): A99/AR, D. 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 County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home860$1,307$2,088
2–4 unit building28$1,457$1,699
Condo or apartment unit110$882$1,033
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.		209$7,518$11,456
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		197$3,995$6,030

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

1,404NFIP policies in force, any building
3,796insured units (condo association policies count every unit)
80%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Hawaii County

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 force1,023998−2.4%
Median annual cost$1,133$1,293+14.1%
Average annual cost$1,692$1,961+15.9%
All policies in force (any building)1,4471,404−3.0%

How many homes have flood insurance?

1.8%of all homes in Hawaii County have an NFIP policy
–of homes in high-risk zones (special flood hazard area) have one
69,412residential buildings counted by FEMA
0of them in high-risk zones

FEMA NFIP Residential Penetration Rates, data as of August 3, 2026: residential contracts in force divided by residential structures.

Flood claims history

Since 1978, NFIP policyholders in Hawaii County, Hawaii have filed 804 flood claims. 558 received a payment, for a total of $23.4 million (an average of $41,915 per paid claim). The year with the most claims was 2011 (104 claims). Amounts are in dollars of the time, not adjusted for inflation.

0501001502001978: 11 claims1979: 28 claims, 18 paid, $77,014 in total1980: 81 claims, 59 paid, $756,327 in total198019801981: 12 claims1982: 36 claims, 29 paid, $213,121 in total1983: 18 claims, 10 paid, $121,277 in total1985: 14 claims1986: 70 claims, 53 paid, $1,053,121 in total1988: 10 claims19901991: 19 claims1992: 47 claims, 33 paid, $776,706 in total1994: 29 claims, 23 paid, $352,906 in total1995: 11 claims2000: 72 claims, 54 paid, $1,797,173 in total200020002002: 13 claims, 10 paid, $366,857 in total2003: 23 claims, 21 paid, $338,549 in total2004: 11 claims2008: 21 claims, 14 paid, $299,787 in total20102011: 104 claims, 66 paid, $10,495,791 in total20112014: 25 claims, 15 paid, $825,025 in total2015: 10 claims2018: 17 claims, 14 paid, $623,038 in total20202022: 16 claims, 12 paid, $1,907,270 in total2026: 23 claims, 16 paid, $1,259,978 in total
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 (24)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20262316$1,259,978$78,749
20221612$1,907,270$158,939
20181714$623,038$44,503
201510<10––
20142515$825,025$55,002
201110466$10,495,791$159,027
20082114$299,787$21,413
200411<10––
20032321$338,549$16,121
20021310$366,857$36,686
20007254$1,797,173$33,281
199511<10––
19942923$352,906$15,344
19924733$776,706$23,537
199119<10––
198810<10––
19867053$1,053,121$19,870
198514<10––
19831810$121,277$12,128
19823629$213,121$7,349
198112<10––
19808159$756,327$12,819
19792818$77,014$4,279
197811<10––

From 2016 to 2026: 56 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.

ZIP codes in Hawaii County

ZIP codes with at least 300 NFIP home policies in force have their own page.

Main NFIP communities in the county

Unincorporated Hawaii County (998 home policies)