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Flood insurance cost · Maui County, HI

Flood insurance cost in Maui County, Hawaii

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,543 home policies in force on August 31, 2026.

Maui County, HawaiiPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,309a year

Half of insured homes paid between $1,040 and $1,912. That is 12% less than the Hawaii median ($1,480). The most common flood zone for insured homes here is zone X (46%).

$0$1,040 · $1,309 · $1,912$2,390
+13.3% vs Aug 31, 2025 (median $1,155)
1,543home policies in force
$1,702average cost (mean)
54%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: 5 FEMA declarations · individual aid. FEMA declarations and IRS tax relief in Maui County.

Cost by flood zone in Maui 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		$1,903$1,244–$3,110$2,406179 (12%)+17.0%
Zone AE
High risk		$1,570$1,020–$2,263$1,865390 (25%)+14.1%
Zone AO
High risk, shallow		$1,689$1,133–$1,951$1,68898 (6%)+3.9%
Zone AH
High risk, shallow		$2,161$981–$3,056$2,249165 (11%)+19.1%
Zone X
Moderate to low risk		$1,232$1,047–$1,420$1,306708 (46%)+16.4%

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

Type of buildingPoliciesMedianAverage
Single-family home1,128$1,405$1,843
2–4 unit building51$1,494$1,931
Condo or apartment unit362$1,027$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.		483$7,392$17,940
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		269$4,108$5,868

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

2,295NFIP policies in force, any building
11,673insured units (condo association policies count every unit)
71%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Maui 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 force1,6201,543−4.8%
Median annual cost$1,155$1,309+13.3%
Average annual cost$1,487$1,702+14.5%
All policies in force (any building)2,3552,295−2.5%

How many homes have flood insurance?

4.8%of all homes in Maui County have an NFIP policy
–of homes in high-risk zones (special flood hazard area) have one
42,176residential 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 Maui County, Hawaii have filed 819 flood claims. 480 received a payment, for a total of $26.1 million (an average of $54,400 per paid claim). The year with the most claims was 2026 (158 claims). Amounts are in dollars of the time, not adjusted for inflation.

0501001502001980: 22 claims, 12 paid, $30,547 in total19801982: 33 claims, 24 paid, $336,996 in total1985: 11 claims1988: 30 claims, 17 paid, $87,295 in total1989: 10 claims19901992: 68 claims19921993: 24 claims, 19 paid, $189,831 in total1996: 17 claims1997: 19 claims, 13 paid, $424,748 in total20002002: 17 claims, 11 paid, $176,667 in total2003: 16 claims, 14 paid, $370,018 in total2004: 13 claims, 11 paid, $156,939 in total2007: 65 claims, 48 paid, $1,486,369 in total2010: 24 claims, 15 paid, $516,192 in total20102011: 75 claims, 50 paid, $1,453,025 in total20112016: 16 claims, 10 paid, $301,656 in total2017: 19 claims2018: 24 claims, 13 paid, $188,760 in total20202021: 31 claims, 16 paid, $2,482,209 in total2023: 23 claims, 18 paid, $3,797,508 in total2025: 21 claims, 17 paid, $2,443,973 in total2026: 158 claims, 105 paid, $10,151,159 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 (22)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
2026158105$10,151,159$96,678
20252117$2,443,973$143,763
20232318$3,797,508$210,973
20213116$2,482,209$155,138
20182413$188,760$14,520
201719<10––
20161610$301,656$30,166
20117550$1,453,025$29,060
20102415$516,192$34,413
20076548$1,486,369$30,966
20041311$156,939$14,267
20031614$370,018$26,430
20021711$176,667$16,061
19971913$424,748$32,673
199617<10––
19932419$189,831$9,991
199268<10––
198910<10––
19883017$87,295$5,135
198511<10––
19823324$336,996$14,042
19802212$30,547$2,546

From 2016 to 2026: 292 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 Maui County

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

Main NFIP communities in the county

Unincorporated Maui County (1,543 home policies)