Home Insurance in Honolulu County, Hawaii
With a median home value of $897,500, Honolulu County is 7% higher than the Hawaii median.
The typical home in Honolulu County was built around 1977. About 16% of homes were built before 1960, about 2 points above Hawaii's 14%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Honolulu County, the housing stock is 56% single-family homes and 37% apartments in buildings with 5+ units.
About 65% of owner-occupied homes in Honolulu County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Honolulu County has an owner-occupancy rate of 60% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
In Honolulu County, 48% of homes are primarily heated with electricity.
FEMA's National Risk Index lists inland flooding (Very High), wildfire (Relatively High) and earthquake (Relatively High) as the leading hazards for Honolulu County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Honolulu County has 44,603 active NFIP flood policies on file.
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 | $897,500 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Very High), Wildfire (Relatively High), Earthquake (Relatively High) |
| Active NFIP flood policies (county) | 44,603 |
| 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)