Homeowners Insurance in Waipahu, HI

For a home at Waipahu's median value of $868,600, we estimate about $1,600 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 Waipahu

Est. premium

$1,600

$133/mo · median home

Median home value

$868,600

Hawaii: $839,100

Median year built

1971

Census ACS

Owner-occupied

59.7%

of households

Hazard score

59.8

state ref. 58.9

Waipahu's estimate reflects its home values (4% higher than the state median) and FEMA's hazard profile for Honolulu County.

Natural hazard risk in Waipahu

FEMA National Risk Index — Honolulu County
Hazard	Risk rating	Score (0–100)	Insurance impact
Hail	Very Low	10.9	Comprehensive (car); roof claims (home)
Tornado	Relatively Low	33.2	Comprehensive; dwelling
Hurricane	Relatively Low	73.3	Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding	Very High	99.3	Comprehensive; home needs a separate flood policy
Coastal flooding	Relatively Moderate	75.6	Comprehensive; home needs a separate flood policy
Strong wind	Very Low	7.9	Comprehensive; dwelling
Winter weather	Not rated	0.0	Collision (icy roads); frozen pipes (home)
Wildfire	Relatively High	99.0	Comprehensive; dwelling
Earthquake	Relatively High	98.6	Home needs a separate earthquake policy
Lightning	Very High	100.0	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 Waipahu

Dwelling value	Wood frame	Brick / masonry
$200,000	$495	$455
$300,000	$685	$630
$500,000	$1,030	$945
$750,000	$1,425	$1,310

Home Insurance Estimator

Estimated annual premium

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

Frequently asked questions

How much is homeowners insurance in Waipahu?

For a home at Waipahu's median value of $868,600, we estimate about $1,600 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 Waipahu?

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

Does the age of homes in Waipahu affect insurance?

Yes. The median home in Waipahu was built in 1971 (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 Honolulu County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page