Hawaii Home-Insurance Distress by County

Hawaii reads among the most severe in the country for home-insurance distress — an average county score of 63/100, 6th-highest of 52 states and territories. All 5 Hawaii counties are scored for the premium spikes, non-renewals and carrier exits that create insurance-driven sellers ahead of mortgage distress.

Behind the state number sit an average FEMA hazard score of 56/100 and average NFIP flood-claim stress of 73/100, the hazard basis insurers use to reprice Hawaii coverage.

For Hawaii, the practical value is early identification — coverage-pressured owners surface here before they appear in any foreclosure feed, county by county down the list.

For anyone sourcing acquisitions in Hawaii, the value of a state-level insurance read is that it points to which counties to open first: a among the most severe in the country average means the pressure is real but uneven, and the county table below is where that pressure resolves into specific markets.

The Hawaii numbers refresh monthly as FEMA hazard revisions, new NFIP claim settlements and carrier filings arrive, so the state's 63/100 average and county ranking reflect the current renewal environment rather than a stale historical read.

The Hawaii insurance-distress score is a composite rather than a single premium figure: it blends FEMA physical-hazard exposure, NFIP flood-claim history, and a carrier-pressure proxy that captures where insurers are raising rates or declining to renew, so a county can rank high on hazard yet moderate on realized losses, or the reverse.

3 of Hawaii's 5 counties carry a severe insurance-distress score of 70 or higher — where coverage is hardest to keep and carrying cost, not the mortgage, is the sale trigger.

The sharpest pressure concentrates in Hawaii County (88/100, #143 nationally) and Honolulu County. The table underneath sorts all Hawaii counties by insurance distress, with a link to each detail page.

NFIP paid $14,238,533 across 536 Hawaii flood claims in three years; that ledger is what reprices coverage statewide.

Insurance pressure in Hawaii is most useful read against the rest: DLRadar aligns it with foreclosure, lender-stress and ownership data county by county, separating owners squeezed only by premiums from those under broader strain.

The same monthly model runs nationwide — FEMA, NFIP and carrier pressure — wired to parcel-level foreclosure and ownership records. That surfaces Hawaii's insurance-squeezed sellers ahead of the market.