Maui County, HI: Home-Insurance Distress & Forced-Sale Pressure

Insurance distress in Maui County, Hawaii reads severe (79/100), in the top tier nationally — #399 nationally. As premiums climb and carriers retreat, owners who can no longer afford or obtain coverage turn into motivated sellers — often before any foreclosure filing appears.

A 71/100 hazard base sitting alongside 90/100 in realized flood stress is the signature DLRadar treats as insurance-driven seller pressure.

The county risk profile leans heavily on flood, the hazard behind most of its recent federal declarations.

The reading rests on a FEMA hazard score of 71/100; NFIP flood-claim stress of 90/100 over three years; 1 flood, 1 fire federal disaster declarations in three years - the specific exposures that widen premiums and shrink the carrier pool in Maui County.

A 86/100 construction-distress score means repair and replacement economics are working against affordability of coverage.

NFIP paid $3,366,921 across 171 Maui County flood claims in three years, roughly $19,690 each; that record is what reprices coverage.

For a buyer, Maui County at 79/100 is a where-to-look signal: some share of owners are absorbing a coverage bill rising faster than planned, and a portion will sell rather than carry it.

On its own 79/100 is half a picture, so Maui County's reading is joined to foreclosure, tax-lien and turnover data to show whether coverage stress stacks on other distress.

Monthly rebuilds keep Maui County honest: 79/100 reflects the renewal environment carriers are pricing right now.

Every U.S. county gets this monthly insurance-distress read from FEMA, NFIP and carrier data, wired to parcel-level foreclosure, lien and ownership records. That surfaces the coverage-squeezed owners ahead of the market.