Home Insurance in Maui County, Hawaii
The median home value in Maui County is $904,700, 8% higher than the Hawaii median.
The typical home in Maui County was built around 1985. 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 4 points below Hawaii's 14%.
The housing stock in Maui County is 67% single-family homes, 25% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Maui County, about 63% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 66% of occupied homes in Maui County are owner-occupied. The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Maui County, 39% of homes are primarily heated with electricity.
The top hazards for Maui County, per FEMA's National Risk Index, are earthquake (Relatively Moderate), wildfire (Relatively Moderate) and inland flooding (Relatively High). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Maui County had 11,649 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.
In Hawaii, the statewide average premium for a standard HO-3 homeowners policy is $1,549 per year (NAIC, 2023 data).
Key figures
| Median home value | $904,700 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Moderate), Wildfire (Relatively Moderate), Inland Flooding (Relatively High) |
| Active NFIP flood policies (county) | 11,649 |
| 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)