How much is Flood Insurance in Hawaii? is pleased to work with some of the nation's largest private flood insurers to provide you with coverage you can trust. Our instant quote tool assesses rates from numerous carriers to get you the best coverage for the lowest price. 


How much is Flood Insurance in Hawaii?

The average cost per policy in Hawaii through the NFIP is $542.46. Depending on where you live, this average could vary substantially! Depending on your deductibles, the cost of your home and contents, your premiums can change. 10 of the most populated cities in Hawaii are listed below with their average cost per policy through the NFIP. If you're interested in a quote for a private flood insurance policy to compare costs, we offer a 100% online quote process.

Average Costs through the NFIP

Average Cost per Policy
Pearl City

*Prices as of April, 2021.

How do I save money on Flood Insurance in Hawaii?

You may be able to save by getting a quote for private flood insurance instead of going through the NFIP. This is an entirely online process, no need to wait for a callback or an email! Once you've received your quote, compare it to what you'd pay through the NFIP. But don't just compare the costs, check what's covered by the NFIP so that if you try to submit a claim, you're not caught off-guard by what is, and isn't, covered.

Do I need flood insurance in Hawaii?

It's important to have flood coverage in Hawaii because there is so much flooding. Many wait until a flood or hurricane is in the forecast, but we recommend getting flood insurance now so that you can take your time finding a policy that's right for you.

If you're wondering if you're in a flood zone, or close to one, enter your address on our FEMA Flood Zone map lookup.

Does my homeowner insurance in Hawaii cover flooding?

Typically, your homeowner's insurance will be written through Allstate, Progressive, Farmers or possibly a State Farm agent. Homeowner's insurance generally excludes flood coverage. Obtaining a flood insurance policy is typically left up to the homeowner. If you're looking to get a policy, we offer a 100% online process, you can get a quote started here!

What is not covered by the NFIP?

Damage not directly caused by flooding like damage to the actual land you live on, or damage to anything outside such as fences or cars, and much of what is in your basement, isn't covered. Visit their website to see everything that is, or isn't, covered by the NFIP.

If you'd like to be free from these limitations and have more options for coverage, consider getting flood insurance from a private company,

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