Hawaii average: $48/month · Updated November 2026
Rate shown is a market estimate for a standard coverage profile. Your actual premium will vary based on your address, coverage limits, deductible, credit score, and claims history.
Explore flood insurance rates across all Hawaii cities — backed by data from 50+ licensed carriers. Rates vary significantly by city — use the city finder below to see your local average.
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Hawaii homeowners in Special Flood Hazard Areas (SFHA) with federally-backed mortgages are required to carry flood insurance. Standard homeowners insurance does NOT cover flood damage. Both NFIP and private flood policies are available.
Rates vary significantly across Hawaii cities. Urban markets like Honolulu tend to have higher rates due to higher claim frequency and cost of living, while smaller cities often offer more affordable premiums. Click any city to see a full rate breakdown and carrier comparison.
All rates are market estimates based on a standard coverage profile. Actual quotes depend on your individual risk factors. Updated November 2026.
Hawaii homeowners have several options to reduce their flood insurance costs while maintaining essential flood protection.
Top-rated carriers actively writing flood insurance policies in Hawaii:
Hawaii homeowners in Special Flood Hazard Areas (SFHA) with federally-backed mortgages are required to carry flood insurance. Standard homeowners insurance does NOT cover flood damage. Both NFIP and private flood policies are available.
Common questions from Hawaii residents shopping for flood insurance.
The average cost of flood insurance in Hawaii is $48/month ($573/year). Rates vary significantly by city — Honolulu tends to be among the higher-cost markets, while smaller cities are often 15–30% cheaper. Your actual rate depends on your specific address, coverage limits, deductible, claims history, and the carriers you compare.
Federally-backed mortgages in Special Flood Hazard Areas require it
The top-rated flood insurance carriers in Hawaii include State Farm, GEICO, Allstate, Progressive. The "best" carrier depends on your specific situation — rates, coverage options, and customer service ratings vary. The most reliable way to find the best option is to compare quotes from multiple carriers at the same coverage level.
Hawaii's average flood insurance rate is $48/month, compared to the national average of $78/month. That puts Hawaii 38% below the national average. Rates vary by city within Hawaii — use the city finder above to see your local market rate.
The most effective ways to reduce your flood insurance premium in Hawaii are: (1) compare quotes from multiple carriers — the spread is often 40–60% for identical coverage; (2) bundle with another policy for a 10–25% multi-policy discount; (3) raise your deductible from $250 to $1,000 to save 15–25%; (4) ask about all available discounts; (5) re-shop at every renewal — loyalty rarely means the best rate.
In Hawaii, smaller cities and rural areas typically have lower flood insurance rates than major metros. Hilo, Kailua, Waipahu tend to be among the more affordable markets. Honolulu and other large urban centers typically have above-average rates due to higher claim frequency, cost of living, and local market conditions. Click any city in the rate table above to see its exact monthly estimate.
Rate estimates on this page are based on state-level market data for a standard coverage profile. Actual premiums vary by individual risk factors. My Digital Kube is operated by Insurance Pro Agencies, Inc., a licensed independent insurance agency. We work with 50+ top-rated carriers and earn commission when you purchase a policy — this does not affect our rate comparisons or carrier recommendations. Editorial policy →
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By clicking, you agree to My Digital Kube's Terms of Use and Privacy Policy, and authorize My Digital Kube and its affiliated carrier partners to contact you using the information you provide during the quoting process. Consent is not a condition of obtaining a quote.