Hawaii
flood insurance data
- Of the 12,030 owner registrations FEMA inspected in Hawaii after disasters of every declared type, 8.4% show more than $30,000 of FEMA-inspected damage, against 2.6% nationally. The disaster with the most inspections is DR-4724, WILDFIRES AND HIGH WINDS (declared 2023-08-10), with 4,034.
- Inside the Special Flood Hazard Area (SFHA), the median premium in Hawaii is $2,050, 89.1% higher than outside it ($1,084); most of its zoned policies sit inside the SFHA (64.6%).
- Of the 6 zones listed (AE, X, VE, AH, AO, A), zone VE has the highest median premium ($3,098) and zone X the lowest ($1,084). Coastal high-hazard zone VE is listed, with 822 policies.
- Residential NFIP policies counted by FEMA fell 38.6% between 2019 (15,506) and 2025 (9,527); the first year, 2019, has the highest count of the 7.
Source: FEMA, OpenFEMA NfipPolicies (v3, data as of 2026-09-09, retrieved 2026-10-11 and 2026-10-12), NfipClaims (v3, data as of 2026-09-09, retrieved 2026-10-12), DisasterDeclarationsSummaries (v2, data as of 2026-10-11, retrieved 2026-10-12), HousingAssistanceOwners (v2, data as of 2026-10-11, retrieved 2026-10-12), NfipCommunityStatusBook (v1, data as of 2026-10-11, retrieved 2026-10-12); CPI-U, U.S. city average, all items (CUUR0000SA0), annual average (BLS Public Data API v1, annual averages 2005-2025, retrieved 2026-10-12). Not an official federal report.
NFIP premiums in Hawaii
NFIP premiums: what NFIP policyholders paid, not a quote. Across 9,527 policies (policies effective 2025; occupancy: residential (occupancyType 1,2,3,11,12,13,14); amount: FEMA field policyCost), the median is $1,404, and half of them fall between $1,081 (Q1) and $2,754 (Q3).
The median NFIP premium in Hawaii, $1,404, is 33.1% above the national median ($1,055); it is the 3rd highest of 53 States and territories.
| Flood zone group | Policies | Q1 | Median | Q3 |
|---|---|---|---|---|
| SFHA (A, AE, AH, AO, AR, A99, V, VE) | 5,973 | $1,268 | $2,050 | $3,223 |
| Outside SFHA (X, B, C) | 3,276 | $1,077 | $1,084 | $1,307 |
By flood zone
| Flood zone | Policies | Q1 | Median | Q3 |
|---|---|---|---|---|
| AE | 3,712 | $1,174 | $1,686 | $3,014 |
| X | 3,276 | $1,077 | $1,084 | $1,307 |
| VE | 822 | $2,092 | $3,098 | $4,120 |
| AH | 750 | $1,164 | $2,351 | $2,865 |
| AO | 546 | $1,595 | $2,611 | $3,205 |
| A | 143 | $1,376 | $2,440 | $3,863 |
Policies in force by year
| Year | Policies |
|---|---|
| 2019 | 15,506 |
| 2020 | 14,773 |
| 2021 | 14,193 |
| 2022 | 11,552 |
| 2023 | 10,318 |
| 2024 | 9,875 |
| 2025 | 9,527 |
Base of each count: the yearly figures are FEMA API counts of residential policy terms, every premium included; the median and quartiles rest on the policies effective 2025 with a positive policyCost. For 2025 both bases count 9,527 policies.
NFIP paid building claims in Hawaii
NFIP claims: amounts paid, not repair cost. Window: year of loss 2015-2024; 794 paid claims; median $28,325, half of them between $9,035 (Q1) and $82,689 (Q3), in nominal dollars. Median in 2024 dollars (CPI-U): $34,457, a monetary adjustment, not today’s cost of repair.
2018 alone holds 53.1% of the paid claims (year of loss 2015-2024). The median paid claim, $28,325, is 24.0% below the national median of the same years ($37,248), the 5th highest of 51 States and territories. With 794 paid claims (year of loss 2015-2024), Hawaii has the 21st fewest of 53 States and territories.
| Event | Paid claims | Share |
|---|---|---|
| Hurricane Lane | 17 | 2.1% |
Paid claims by year of loss
| Year of loss | Paid claims |
|---|---|
| 2015 | 14 |
| 2016 | 54 |
| 2017 | 24 |
| 2018 | 422 |
| 2019 | 13 |
| 2020 | 28 |
| 2021 | 133 |
| 2022 | 17 |
| 2023 | 20 |
| 2024 | 69 |
FEMA disaster declarations
Since 2000: 19 flood, hurricane and severe-storm declarations (DR and EM) covering Hawaii, 16 of them major disaster declarations.
Hawaii counts 19 flood, hurricane and severe-storm declarations (DR and EM) since 2000, the 13th fewest of 53 States and territories. Severe Storm declarations are the most frequent (8), ahead of Hurricane (6) and Flood (5).
| Incident type | Declarations |
|---|---|
| Flood | 5 |
| Hurricane | 6 |
| Severe Storm | 8 |
Latest declarations
- DR-4952: HURRICANE LOWELL (Hurricane, 2026-10-07)
- DR-4951: HURRICANE LALA (Hurricane, 2026-10-07)
- DR-4909: SEVERE STORMS, FLOODING, LANDSLIDES, AND MUDSLIDES (Flood, 2026-04-07)
- DR-4793: SEVERE STORMS, FLOODING, AND LANDSLIDES (Flood, 2024-06-17)
- DR-4639: SEVERE STORMS, FLOODING, AND LANDSLIDES (Severe Storm, 2022-02-15)
FEMA assistance to homeowners
Since 2002: 12,030 owner registrations inspected by FEMA in Hawaii after disasters of every declared type; inspected damage is FEMA’s assessment for its assistance program, not repair cost.
| Damage band | Registrations |
|---|---|
| No FEMA-inspected damage | 4,504 |
| $1-$10,000 | 5,489 |
| $10,001-$20,000 | 733 |
| $20,001-$30,000 | 294 |
| More than $30,000 | 1,010 |
Disasters with the most inspections
- DR-4724, WILDFIRES AND HIGH WINDS (declared 2023-08-10): 4,034 inspections
- DR-1664, EARTHQUAKE (declared 2006-10-17): 3,338 inspections
- DR-4909, SEVERE STORMS, FLOODING, LANDSLIDES, AND MUDSLIDES (declared 2026-04-07): 2,052 inspections
- DR-4366, KILAUEA VOLCANIC ERUPTION AND EARTHQUAKES (declared 2018-05-11): 1,401 inspections
- DR-4365, SEVERE STORMS, FLOODING, LANDSLIDES, AND MUDSLIDES (declared 2018-05-08): 326 inspections
NFIP communities and flood maps
FEMA’s Community Status Book lists 4 NFIP communities in Hawaii: 4 participate in the NFIP and 4 (100.0%) are classed in the Community Rating System (CRS). The best class among the communities counted here is 7 (Hawaii County * and Maui County *): FEMA applies its CRS discount to the full-risk premium of Regular Program NFIP policies in those communities, inside or outside the SFHA, not to the whole state; a policy can be excluded if its building does not comply with local floodplain rules. The oldest flood map still in effect in Hawaii dates from 2015-11-04 (Maui County *).
| CRS class | Communities |
|---|---|
| 7 | 2 |
| 8 | 2 |
Questions about flood insurance in Hawaii
How much is flood insurance in Hawaii?
NFIP policyholders in Hawaii paid a median of $1,404 for residential policies effective 2025 (9,527 policies; FEMA field policyCost: premium, reserve fund assessment, federal policy fee and HFIAA surcharge); half paid between $1,081 and $2,754; $2,050 inside the Special Flood Hazard Area against $1,084 outside it: what NFIP policyholders paid, not a quote.
How many flood insurance claims has Hawaii had?
794 NFIP building claims were paid (year of loss 2015-2024), with a median of $28,325; the year with the most was 2018 (422), and the named event with the most was Hurricane Lane (17). These are amounts paid, not repair cost.
Is Hawaii in a flood zone?
Of the residential NFIP policies of Hawaii (policies effective 2025), 5,973 are rated inside the Special Flood Hazard Area and 3,276 outside it (zones listed: AE, X, VE, AH, AO, A), but these aggregates cannot tell the flood zone of an address: FEMA’s Flood Map Service Center shows it for a given property.
Related tools
NFIP paid claims and premiums are not repair estimates: to estimate the cleanup of a flooded basement from published cost-guide rates, use the basement water damage repair cost calculator; for water removal and drying after any water loss, the water damage and mitigation calculator.
To set these figures against every State on one claims window, amounts paid, not repair cost: NFIP paid building claims by state.
Before using these figures
A state figure mixes very different counties and flood zones. Method and limits.
Source and notice
- 0 residential 2025 policies with policyCost <= 0 or empty are left out; 278 kept policies have zone D or an unknown zone (in n, not in the zone tables).
This product uses the Federal Emergency Management Agency’s OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).