Home Insurance in Hawaii County, Hawaii
With a median home value of $519,300, Hawaii County is 38% lower than the Hawaii median.
The typical home in Hawaii County was built around 1989. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 10% of homes were built before 1960, about 5 points below Hawaii's 14%.
In Hawaii County, the housing stock is 81% single-family homes and 14% apartments in buildings with 5+ units.
About 54% of owner-occupied homes in Hawaii County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Hawaii County has an owner-occupancy rate of 74% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
In Hawaii County, 26% of homes are primarily heated with electricity.
Per FEMA's National Risk Index, Hawaii County's top hazards are earthquake (Relatively High), inland flooding (Relatively High) and wildfire (Relatively High). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Hawaii County had 3,794 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Hawaii carries a statewide average premium of $1,549 per year.
Key figures
| Median home value | $519,300 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively High), Inland Flooding (Relatively High), Wildfire (Relatively High) |
| Active NFIP flood policies (county) | 3,794 |
| Home insurance premium | $1,549 - statewide average (NAIC, 2023 data) |
Sources
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)