Homeowners Insurance in Hawaii

The average Hawaii homeowners premium is $1,549 a year (NAIC) — ▼ −11% versus the U.S. average of $1,737, ranking 27th of 51.

These are estimates, not quotes. Home figures are modeled from NAIC state averages, Census home values and FEMA hazard ratings for comparison only. Real premiums depend on the insurer, the home, its roof and claims history. We are not an insurance company or agency. How we estimate

Average homeowners and renters insurance in Hawaii

Homeowners (HO-3)

$1,549

NAIC average / year

Renters (HO-4)

$178

U.S. $173

Median home value

$839,100

Census ACS

FEMA expected loss rating

Relatively Low

all natural hazards

NAIC averages cover standard owner-occupied (HO-3) policies. Premiums scale with the cost to rebuild, so Hawaii's median home value of $839,100 and its exposure to wind, hail and wildfire explain much of the difference from other states.

Natural hazard risk in Hawaii

FEMA National Risk Index — expected annual loss by hazard (state level)
Hazard	Expected loss rating	Score	Expected annual loss
Hail	Very Low	5.7	$50,578
Tornado	Very Low	7.6	$751,674
Hurricane	Very Low	32.6	$2,277,373
Inland (river) flooding	Relatively Moderate	41.1	$622,248,890
Coastal flooding	Relatively Low	37.8	$2,346,589
Wildfire	Relatively Moderate	72.6	$47,306,893
Earthquake	Relatively Moderate	78.6	$246,888,117
Winter weather	Very Low	10.7	$672
Strong wind	Very Low	7.6	$83,918
Lightning	Relatively Low	40.4	$17,494,512

Standard homeowners policies exclude flood and earthquake; both need separate coverage. Wind and hurricane damage is covered but often with a separate percentage deductible in coastal states.

Home Insurance Estimator

Estimated annual premium

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Per month

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Estimated homeowners insurance by city

For a home at each city's median value, standard frame construction and a $1,000 deductible. The lowest estimate is in Hilo ($960) and the highest in Kailua ($2,285).

City	Median home value	Median year built	Hail / wind	Est. premium
Honolulu	$843,400	1974	Very Low / Very Low	$1,565
East Honolulu	$1,212,000	1975	Very Low / Very Low	$2,090
Hilo	$483,000	1978	Very Low / Very Low	$960
Pearl City	$901,500	1974	Very Low / Very Low	$1,650
Waipahu	$868,600	1971	Very Low / Very Low	$1,600
Kailua	$1,353,700	1966	Very Low / Very Low	$2,285
Kaneohe	$1,029,700	1973	Very Low / Very Low	$1,835
Kahului	$862,600	1978	Very Low / Very Low	$1,510

Car insurance in Hawaii →

Frequently asked questions

How much is homeowners insurance in Hawaii?

NAIC data puts the average Hawaii homeowners (HO-3) premium at $1,549 a year, ranking 27th of 51 (1 = most expensive). The national average is $1,737.

How much is renters insurance in Hawaii?

The NAIC average renters (HO-4) premium in Hawaii is $178 a year.

What natural hazards affect home insurance in Hawaii?

FEMA's National Risk Index does not rate any single hazard in Hawaii as relatively high for expected annual losses. Flood and earthquake still need separate policies.

Does homeowners insurance cover floods in Hawaii?

No. Standard homeowners policies exclude flood damage. Flood coverage is sold separately through the National Flood Insurance Program (NFIP) or private insurers.

How we estimate this

We start from the NAIC average homeowners (HO-3) premium for the state, scale it by the ratio of the home value to the state median home value (Census ACS), adjust for construction type and deductible, and apply a hazard factor from FEMA National Risk Index scores for the county relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page