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Flood insurance cost · Honolulu County, HI

Flood insurance cost in Honolulu County, Hawaii

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 6,437 home policies in force on August 31, 2026.

Honolulu County, HawaiiPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,594a year

Half of insured homes paid between $1,194 and $2,931. That is 8% more than the Hawaii median ($1,480). The most common flood zone for insured homes here is zone AE (40%).

$0$1,194 · $1,594 · $2,931$3,664
+12.6% vs Aug 31, 2025 (median $1,416)
6,437home policies in force
$2,136average cost (mean)
63%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: 4 FEMA declarations · individual aid. FEMA declarations and IRS tax relief in Honolulu County.

Cost by flood zone in Honolulu 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		$3,096$2,235–$3,984$3,267549 (9%)+5.2%
Zone AE
High risk		$1,831$1,316–$3,128$2,3592,599 (40%)+7.6%
Zone A
High risk		$2,330$1,460–$3,157$2,341122 (2%)−19.4%
Zone AO
High risk, shallow		$2,851$2,076–$3,319$2,637375 (6%)+9.2%
Zone AH
High risk, shallow		$2,730$1,722–$3,154$2,517426 (7%)+12.0%
Zone X
Moderate to low risk		$1,232$1,079–$1,308$1,3102,006 (31%)+16.7%
Zone D
Undetermined		$1,950$1,043–$3,560$2,356360 (6%)−4.3%

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 Honolulu County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home5,717$1,629$2,177
2–4 unit building318$2,663$2,603
Condo or apartment unit401$806$1,173
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.		634$8,591$32,720
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		735$6,199$7,898

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

7,806NFIP policies in force, any building
45,301insured units (condo association policies count every unit)
59%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Honolulu 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 force6,0886,437+5.7%
Median annual cost$1,416$1,594+12.6%
Average annual cost$1,962$2,136+8.9%
All policies in force (any building)7,3937,806+5.6%

How many homes have flood insurance?

4.1%of all homes in Honolulu County have an NFIP policy
54.0%of homes in high-risk zones (special flood hazard area) have one
169,009residential buildings counted by FEMA
8,317of 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 Honolulu County, Hawaii have filed 3,076 flood claims. 2,027 received a payment, for a total of $69.9 million (an average of $34,477 per paid claim). The year with the most claims was 2026 (273 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001978: 28 claims, 20 paid, $48,301 in total1979: 32 claims, 20 paid, $84,943 in total1980: 115 claims, 62 paid, $246,270 in total19801981: 34 claims, 22 paid, $56,703 in total1982: 159 claims, 107 paid, $1,772,413 in total1983: 40 claims, 26 paid, $185,083 in total1984: 45 claims, 21 paid, $212,829 in total1985: 54 claims, 32 paid, $111,077 in total1986: 27 claims, 16 paid, $143,320 in total1987: 120 claims, 99 paid, $1,012,183 in total1988: 120 claims, 96 paid, $1,420,237 in total1989: 29 claims, 11 paid, $77,735 in total1990: 25 claims, 10 paid, $91,984 in total19901991: 155 claims, 107 paid, $1,018,216 in total1992: 250 claims, 136 paid, $3,811,570 in total19921993: 12 claims1994: 33 claims, 22 paid, $109,326 in total1995: 28 claims, 15 paid, $417,004 in total1996: 122 claims, 75 paid, $758,475 in total1998: 10 claims1999: 11 claims20002001: 15 claims2002: 13 claims2003: 51 claims, 38 paid, $1,053,069 in total2004: 68 claims, 43 paid, $551,511 in total2005: 18 claims2006: 173 claims, 147 paid, $3,395,412 in total2007: 17 claims2008: 172 claims, 133 paid, $4,726,226 in total2010: 20 claims, 13 paid, $211,703 in total20102011: 49 claims, 18 paid, $482,022 in total2012: 68 claims, 40 paid, $889,541 in total2014: 42 claims, 28 paid, $777,531 in total2015: 31 claims2016: 74 claims, 47 paid, $3,819,284 in total2017: 24 claims, 15 paid, $557,776 in total2018: 271 claims, 229 paid, $22,072,244 in total20182019: 17 claims20202021: 158 claims, 115 paid, $4,857,730 in total2022: 12 claims2023: 11 claims2026: 273 claims, 186 paid, $12,298,999 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 (42)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
2026273186$12,298,999$66,124
202311<10––
202212<10––
2021158115$4,857,730$42,241
201917<10––
2018271229$22,072,244$96,385
20172415$557,776$37,185
20167447$3,819,284$81,261
201531<10––
20144228$777,531$27,769
20126840$889,541$22,239
20114918$482,022$26,779
20102013$211,703$16,285
2008172133$4,726,226$35,536
200717<10––
2006173147$3,395,412$23,098
200518<10––
20046843$551,511$12,826
20035138$1,053,069$27,712
200213<10––
200115<10––
199911<10––
199810<10––
199612275$758,475$10,113
19952815$417,004$27,800
19943322$109,326$4,969
199312<10––
1992250136$3,811,570$28,026
1991155107$1,018,216$9,516
19902510$91,984$9,198
19892911$77,735$7,067
198812096$1,420,237$14,794
198712099$1,012,183$10,224
19862716$143,320$8,958
19855432$111,077$3,471
19844521$212,829$10,135
19834026$185,083$7,119
1982159107$1,772,413$16,565
19813422$56,703$2,577
198011562$246,270$3,972
19793220$84,943$4,247
19782820$48,301$2,415

From 2016 to 2026: 840 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 Honolulu County

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

Main NFIP communities in the county

Honolulu , City and County* Of (6,434 home policies)