Hawaii Home-Insurance Distress by County

Hawaii reads among the most severe in the country for home-insurance distress — 5 counties averaging 76/100, 4th of 52 states.

4 of Hawaii's 5 counties score 70 or higher (severe).

Hawaii's reading rests on a FEMA hazard average of 76/100 and NFIP flood-claim stress of 76/100.

Over three years Hawaii counties filed 588 NFIP flood claims, $30,540,818 paid.

Highest in Hawaii: Maui County 98/100 (#15 US), Hawaii County 95/100 (#32 US), Honolulu County 95/100 (#44 US), Kauai County 92/100 (#97 US), Kalawao County 0/100 (#2575 US).

Hawaii counties by insurance band: 4 high (Hawaii), 1 zero; Hawaii NFIP claims, three years: 588; Hawaii payouts $30.5 million.

Hawaii counties with the most NFIP claims: Honolulu 290 ($12.5 million); Maui 185 ($12.7 million); Kauai 76 ($3.3 million) in Hawaii; Hawaii 37 ($2.0 million).

Hawaii county average rose: 50.6 in March 2026; Hawaii reads 76.8 in October 2026; Hawaii by month: March 50.6, April 50.6, May 61.0 (Hawaii), June 61.0, July 61.2, August 62.6 (Hawaii), September 62.6, October 76.8.

Highest Hawaii ZIPs, insurance distress: 96701 0 (climate 99), 96820 0 (climate 99) in Hawaii, 96817 0 (climate 99), 96744 0 (climate 99) in Hawaii, 96734 0 (climate 99), 96792 0 (climate 99) in Hawaii.

Reading the Hawaii bands: 4 of 5 Hawaii counties sit in a high or worse insurance band; Hawaii filed 588 NFIP claims in three years, $30.5 million paid to Hawaii policyholders; a Hawaii county's band moves when FEMA hazard revisions, new Hawaii NFIP settlements or carrier filings change its monthly score.