Homeowners Insurance in Kahului, HI

For a home at Kahului's median value of $862,600, we estimate about $1,510 a year — −3% versus the Hawaii NAIC average of $1,549.

These are estimates, not quotes. Home figures are modeled from NAIC state averages, Census home values and FEMA hazard ratings for comparison only. We are not an insurance company or agency. How we estimate

Estimated homeowners insurance cost in Kahului

Est. premium

$1,510

$126/mo · median home

Median home value

$862,600

Hawaii: $839,100

Median year built

1978

Census ACS

Owner-occupied

64.7%

of households

Hazard score

51.4

state ref. 58.9

Kahului's estimate reflects its home values (3% higher than the state median) and FEMA's hazard profile for Maui County.

Natural hazard risk in Kahului

FEMA National Risk Index — Maui County
Hazard	Risk rating	Score (0–100)	Insurance impact
Hail	Very Low	2.2	Comprehensive (car); roof claims (home)
Tornado	Very Low	5.9	Comprehensive; dwelling
Hurricane	Relatively Low	69.5	Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding	Relatively High	93.7	Comprehensive; home needs a separate flood policy
Coastal flooding	Relatively Low	54.0	Comprehensive; home needs a separate flood policy
Strong wind	Very Low	1.2	Comprehensive; dwelling
Winter weather	Very Low	1.4	Collision (icy roads); frozen pipes (home)
Wildfire	Relatively Moderate	95.3	Comprehensive; dwelling
Earthquake	Relatively Moderate	97.1	Home needs a separate earthquake policy
Lightning	Relatively High	93.3	Fire and electrical damage

Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).

Estimated premium by home value in Kahului

Dwelling value	Wood frame	Brick / masonry
$200,000	$470	$430
$300,000	$650	$600
$500,000	$980	$900
$750,000	$1,350	$1,245

Home Insurance Estimator

Estimated annual premium

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Homeowners insurance in Hawaii · Car insurance in Kahului · Insurance offices near Kahului

Frequently asked questions

How much is homeowners insurance in Kahului?

For a home at Kahului's median value of $862,600, we estimate about $1,510 a year for a standard HO-3 policy with a $1,000 deductible. The Hawaii NAIC average is $1,549.

What are the biggest natural hazards in Kahului?

FEMA's National Risk Index rates Maui County relatively high or very high for inland (river) flooding and lightning.

Does the age of homes in Kahului affect insurance?

Yes. The median home in Kahului was built in 1978 (Census ACS). Older roofs, wiring and plumbing can raise premiums or require inspections, while updates often earn discounts.

How we estimate this

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

Sources used on this page