How much is Flood Insurance in Hawaii?
The average cost per policy in Hawaii through the NFIP is $885.66. Depending on where you live, this average could vary substantially! If you're interested in a quote for a private flood insurance policy to compare costs to the NFIP, we offer both! Quote online to compare costs and coverages side-by-side with our quick online quote tool.
Average Costs through the NFIP
County | Average Cost per Policy |
|---|---|
Hawaii County | $1,173.54 |
Honolulu City and County | $808.13 |
Kauai County | $1,265.66 |
Maui County | $935.36 |
*Prices as of 11/30/24.
Hawaii County includes the following cities: Captain Cook, Hakalau, Hawaii National Park, Hawi, Hilo, Holualoa, Honaunau, Honokaa, Honomu, Kailua Kona, Kamuela, Kapaau, Keaau, Kealakekua, Keauhou, Kurtistown, Laupahoehoe, Mountain View, Naalehu, Ninole, Ocean View, Ookala, Paauilo, Pahala, Pahoa, Papaaloa, Papaikou, Pepeekeo, Volcano, and Waikoloa.
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Honolulu City and County includes the following cities: Aiea, Ewa Beach, Fort Shafter, Haleiwa, Hauula, Honolulu, Jbphh, Kaaawa, Kahuku, Kailua, Kaneohe, Kapolei, Kunia, Laie, McBh Kaneohe Bay, Mililani, Pearl City, Schofield Barracks, Wahiawa ,Waialua ,Waianae, Waimanalo and Waipahu.
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Kauai County includes the following cities: Anahola, Eleele, Hanalei, Hanamaulu, Hanapepe, Kalaheo, Kapaa, Kaumakani, Kealia, Kekaha, Kilauea, Koloa, Lawai, Lihue, Makaweli, Princeville and Waimea.
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Maui County includes the following cities: Haiku, ana, Hoolehua, Kahului, Kaunakakai, Kihei, Kualapuu, Kula, Lahaina, Lanai City, Makawao, Maunaloa,, Paia, Pukalani and Wailuku.
Our Private Flood Insurance Prices are Often Lower
Our private flood insurance averages are often much lower than those shown above! Get a quote online and find out how much we can save you.
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​Easily compare top-rated private flood insurance carrier with the NFIP with an online quote. We offer both! Compare prices and save money on flood insurance.
How do I get cheap flood insurance in Hawaii?
To find affordable flood insurance that fits your needs, we suggest you compare both NFIP and top-rated private flood insurance options. We offer both! Use our online quote tool to quickly compare.
In addition to your quote price, be sure to compare coverage options so that if you try to submit a claim, you're not caught off-guard by what is, and isn't, covered.
The cost of a claim can be expensive, most are financially devastated after experiencing a flood if they don't have coverage. Without flood insurance, even a few inches of water can lead to financial ruin, protecting your home starts with getting a quote.
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. Make sure you're covered before disaster strikes!
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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 cover flooding?
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!
How to Get Flood Insurance Without a Flood Elevation Certificate.
Quality flood insurance is available without the added expense and trouble of getting an elevation certificate. FloodPrice can compare the rates for both private flood insurance and the NFIP to make sure you are getting the right coverage for the best price. Check out our quote page now to find out what coverage we can offer.
Flood Insurance Pricing Changes in STATE
The NFIP recently adjusted its pricing system called Risk Rating 2.0. Their view of risk assessment now aligns more closely with practices that private carriers implemented years earlier.
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As a result, most policy holders in STATE have seen changes to their premiums. According to FEMA, approximately 66% of policyholders nationwide were projected to see price increases with the updated pricing methodology.
Why did NFIP Implement Risk Rating 2.0?
FEMA moved away from antiquated pricing based on flood zones and elevation certificates, and moved towards assessing each individual property. These adjustments are intended to more accurately reflect each property's unique flood risk. The following are considered by the NFIP when calculating your premium:
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Distance to water (river, coast, etc.)
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Cost to rebuild
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Flood frequency and types (coastal, riverine, heavy rain)
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Ground elevation and foundation type
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Historical claims and mitigation efforts
Compare NFIP with Private Flood Insurance Premiums Online
At FloodPrice, you can compare NFIP and Private Flood Insurance quotes side-by-side with our quick online quote tool. This makes it easier to find a policy that fits your budget and your needs. While private policies often offer more flexibility and may be less expensive for some, the NFIP still offers robust coverage, especially in high-risk or FEMA-regulated zones.
