Home Insurance in Kauai County, Hawaii
With a median home value of $873,200, Kauai County is close to the Hawaii median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Kauai County was built around 1983. About 13% of homes were built before 1960, about 1 point below Hawaii's 14%.
In Kauai County, the housing stock is 75% single-family homes and 17% apartments in buildings with 5+ units.
In Kauai County, about 63% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Kauai County has an owner-occupancy rate of 69% and a vacancy rate of 22%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 32% of homes in Kauai County are primarily heated with electricity.
FEMA's National Risk Index lists wildfire (Relatively Moderate), inland flooding (Relatively Moderate) and hurricane (Relatively Low) as the leading hazards for Kauai County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Kauai County has 3,798 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 | $873,200 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Moderate), Inland Flooding (Relatively Moderate), Hurricane (Relatively Low) |
| Active NFIP flood policies (county) | 3,798 |
| 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)