Hawaii Home Insurance Rates & Requirements

Home Insurance in Hawaii: What You Need to Know

Hawaii's homeowners insurance market is unusual — the state faces hurricane risk but sees fewer storms than comparable tropical locations, keeping overall rates moderate relative to home values. Volcanic activity on the Big Island creates unique coverage challenges; standard policies exclude volcanic damage under many circumstances, and separate lava flow endorsements are difficult to obtain in high-risk lava zones.

Average Homeowners Insurance Costs in Hawaii

Homeowners in Hawaii typically pay approximately $1,160 per year ($97/month) for homeowners insurance in 2026, based on industry average data for a home with approximately $720,000 in dwelling coverage.

Homeowners Insurance Rates by City in Hawaii

Natural Disaster Risk in Hawaii

Primary risks: Hurricane (high), Volcanic activity (high, Big Island), Flooding (moderate), Tsunami (moderate)

The Big Island faces volcanic eruption risk — Lava Zones 1 and 2 near Kilauea are considered uninsurable by most private carriers. All Hawaiian islands face hurricane risk, with the peak season from June through November. Tsunami risk exists for coastal properties on all islands. Flash flooding is common on windward slopes of all islands.

What Makes Hawaii Unique

Hawaii is the only state where volcanic activity is a realistic near-term risk for homeowners. The 2018 Kilauea eruption destroyed over 700 homes in the Leilani Estates subdivision — most without insurance coverage for lava damage. Homeowners in Lava Zones 1 and 2 on the Big Island face severe difficulty obtaining and maintaining coverage.

What Hawaii Homeowners Pay per $1,000 of Coverage

Dividing our Hawaii estimate of $1,160 a year by the typical dwelling coverage of $720,000 gives about $1.61 per $1,000 of coverage — one of the ten lowest rate among the 50 states in our estimates (median $5.17).

A low rate per $1,000 means the headline premium mostly reflects home values rather than unusual risk; the biggest savings levers are usually the deductible and bundling.

If Standard Insurers Decline You in Hawaii

Hawaii’s insurer of last resort is the Hawaii Property Insurance Association.

Hurricane Deductibles in Hawaii

Hawaii is one of 19 states, plus Washington, D.C., where homeowners policies can carry a separate hurricane or named-storm deductible. Instead of a flat dollar amount, it’s usually a percentage of the dwelling coverage — typically 1% to 5%, sometimes higher on the coast. On the typical Hawaii home insured for $720,000, a 2% hurricane deductible is $14,400 and a 5% deductible is $36,000, compared with a standard $1,000 all-perils deductible. Check which applies, and what triggers it, before storm season. Flood damage is excluded either way and needs a separate flood policy.

How to Save on Home Insurance in Hawaii

Hawaii homeowners should verify whether their policy covers hurricane wind and volcanic damage — exclusions vary significantly between carriers. Big Island homeowners in lower lava zones should consult the Hawaii Property Insurance Association (HPIA), the state's insurer of last resort. Bundling policies and installing hurricane straps and impact-resistant windows can reduce premiums.

• Given Hawaii's hurricane exposure, check whether your policy has a separate hurricane deductible (often 1-5% of dwelling coverage) and confirm wind coverage isn't carved out into a separate policy.

Frequently Asked Questions

What does home insurance cost per $1,000 of coverage in Hawaii?

Based on our estimates of $1,160 a year for typical dwelling coverage of $720,000, Hawaii homeowners pay about $1.61 per $1,000 of coverage.

What is Hawaii’s home insurer of last resort?

The Hawaii Property Insurance Association, for homeowners who can’t get coverage from standard insurers. Coverage is usually narrower than a standard policy.

Does Hawaii have hurricane deductibles?

Yes. Hawaii is one of 19 states plus Washington, D.C., where policies can include a separate hurricane or named-storm deductible, usually 1% to 5% of dwelling coverage.

The information on this page is provided for general informational purposes only and reflects estimated industry averages and risk assessments as of 2026. Homeowners insurance rates, coverage requirements, and risk designations change frequently. Always verify current rates and coverage options with licensed insurance professionals and consult your state's department of insurance for regulatory information. Premiums shown are approximations — individual rates will vary based on property-specific factors.