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Flood insurance cost · Kauai County, HI

Flood insurance cost in Kauai County, Hawaii

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,475 home policies in force on August 31, 2026.

Kauai County, HawaiiPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,491a year

Half of insured homes paid between $1,212 and $2,789. That is about the same as the Hawaii median ($1,480). The most common flood zone for insured homes here is zone AE (48%).

$0$1,212 · $1,491 · $2,789$3,486
+14.1% vs Aug 31, 2025 (median $1,307)
1,475home policies in force
$2,139average cost (mean)
72%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.

Cost by flood zone in Kauai 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		$3,253$2,078–$4,880$3,606186 (13%)+6.4%
Zone AE
High risk		$1,658$1,208–$2,878$2,214712 (48%)+16.6%
Zone A
High risk		$1,809$1,463–$3,119$2,30623 (2%)+13.1%
Zone AH
High risk, shallow		$1,997$1,132–$3,052$2,089143 (10%)+24.3%
Zone X
Moderate to low risk		$1,267$1,084–$1,484$1,355411 (28%)+16.9%

Not shown (fewer than 10 home policies): AO, 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 Kauai County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,282$1,494$2,219
2–4 unit building34$3,709$3,391
Condo or apartment unit159$971$1,230
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.		168$8,410$10,696
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		185$3,079$4,507

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

1,828NFIP policies in force, any building
3,802insured units (condo association policies count every unit)
70%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Kauai 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 force1,4841,475−0.6%
Median annual cost$1,307$1,491+14.1%
Average annual cost$1,889$2,139+13.2%
All policies in force (any building)1,8421,828−0.8%

How many homes have flood insurance?

7.0%of all homes in Kauai County have an NFIP policy
–of homes in high-risk zones (special flood hazard area) have one
23,490residential 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 Kauai County, Hawaii have filed 1,498 flood claims. 872 received a payment, for a total of $47.7 million (an average of $54,711 per paid claim). The year with the most claims was 1992 (729 claims). Amounts are in dollars of the time, not adjusted for inflation.

020040060080019801982: 34 claims, 26 paid, $1,376,558 in total1983: 27 claims1986: 21 claims, 10 paid, $9,899 in total1988: 11 claims1989: 10 claims19901991: 74 claims, 38 paid, $855,281 in total19911992: 729 claims, 370 paid, $30,870,882 in total19921995: 51 claims, 31 paid, $381,254 in total1996: 16 claims20002005: 18 claims, 14 paid, $89,701 in total2006: 20 claims, 12 paid, $196,237 in total2008: 18 claims, 11 paid, $98,102 in total2009: 19 claims, 17 paid, $228,309 in total20102012: 39 claims, 27 paid, $1,006,907 in total2018: 206 claims, 168 paid, $7,842,032 in total20182019: 13 claims2020: 38 claims, 26 paid, $845,518 in total20202021: 11 claims2024: 67 claims, 58 paid, $3,234,140 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 (19)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20246758$3,234,140$55,761
202111<10––
20203826$845,518$32,520
201913<10––
2018206168$7,842,032$46,679
20123927$1,006,907$37,293
20091917$228,309$13,430
20081811$98,102$8,918
20062012$196,237$16,353
20051814$89,701$6,407
199616<10––
19955131$381,254$12,299
1992729370$30,870,882$83,435
19917438$855,281$22,507
198910<10––
198811<10––
19862110$9,899$990
198327<10––
19823426$1,376,558$52,945

From 2016 to 2026: 335 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 Kauai County

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

Main NFIP communities in the county

Unincorporated Kauai County (1,475 home policies)