Home Insurance in Kalawao County, Hawaii
The median home in Kalawao County was built in 1939 or earlier. About 72% of homes were built before 1960, about 58 points above Hawaii's 14%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Kalawao County is 97% single-family homes and 2% apartments in buildings with 5+ units.
About 0% of occupied homes in Kalawao County are owner-occupied. The vacancy rate is 63%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
22% of homes in Kalawao County are primarily heated with electricity.
FEMA's National Risk Index lists earthquake (Very Low), wildfire (Very Low) and coastal flooding (Very Low) as the leading hazards for Kalawao County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Kalawao County has no active NFIP flood policies on file. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
In Hawaii, the statewide average premium for a standard HO-3 homeowners policy is $1,549 per year (NAIC, 2023 data).
Key figures
| Median year built | 1939 or earlier |
|---|---|
| Owner-occupied share | 0% |
| Top hazards (FEMA National Risk Index) | Earthquake (Very Low), Wildfire (Very Low), Coastal Flooding (Very Low) |
| 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)