Homeowners insurance in Hawaii: premium by ZIP code
Hawaii's median ZIP code paid $2,136 per policy in 2022, ranked 8 of 51, with the lowest nonrenewal rate of any state.
Independent site, not an insurer or a broker. Treasury figures cover 2018 to 2022 only.
Premium per policy in 2022, Hawaii (median ZIP code)
$2,136
Average paid per HO-3 or HO-5 policy, inflation-adjusted as published by the Treasury. At September 2026 prices: about $2,845.
| Change from 2018 to 2022, after inflation | +9.2% |
| Premium per policy in 2018 | $1,956 |
| Premium per policy in 2022 | $2,136 |
| 2022 premium carried to September 2026 (BLS index) | $2,845 |
| Policies not renewed by the insurer, 2022 | 0.28% |
| Claims paid per 100 policies, yearly average | 2.9 |
| Average claim paid, 2018 to 2022 (adjusted) | $18,545 |
| Cancelled for nonpayment, 2022 | 0.80% |
Treasury data stop in 2022. The September 2026 figure applies the national BLS price index to the 2022 value, read as 2022 dollars: an estimate, not a quote.
Compiled by Radif Partners · Where the numbers come from · 25 ZIP codes in 4 counties of Hawaii in the Treasury file · not a quote
Only 25 Hawaii ZIP codes meet the Treasury file's threshold, spread over the four counties. Their median premium per homeowners policy was $2,136 in 2022, above the national $1,551 and ranked 8 of 51, after a rise of +11.1% after inflation from 2018. Kauai County had the highest county median, $2,293, and its ZIP 96722 the highest in the state, $3,858. Claims were rare, 2.9 per 100 policies a year, and the paid loss ratio was among the lowest in the country, falling to 14% in 2022. Insurers also kept their customers: only 0.28% of policies were not renewed in 2022, ranked 50 of 51. The figures end before the Lahaina fire of August 2023, which changed the market on Maui. Lava zones on the Big Island are often served by the Hawaii Property Insurance Association, outside these figures.
Four counties, four markets
Honolulu County, the island of Oahu, had 11 ZIP codes in the file and a median of $2,068 in 2022, up +10.5% after inflation. Maui County paid $2,121 after the fastest rise of the four, +14.3%. Hawaii County, the Big Island, paid $2,023, and Kauai County $2,293. The cheapest ZIP codes were 96706 in Honolulu County at $1,365 and 96732 in Maui County at $1,382. Because so few ZIP codes reach ten insurers and fifty policies, the file leaves out many rural parts of the islands.
Hurricanes are rare, and expensive when they come
Hawaii's insurers paid few claims in these years, 2.9 per 100 policies on average, ranked 43 of 51, and the five-year average claim was $18,545. The paid loss ratio fell from 38% in 2019 to 14% in 2022. That calm is what a long gap between hurricanes looks like. Kauai was hit hard by Hurricane Iniki in 1992, and many standard homeowners policies on the islands still exclude hurricane damage, which owners buy separately. Read the declarations page to see whether hurricane is covered and with what deductible.
A hurricane deductible on an island home
Example, not your result yet· change a figure to see yours
The insurer would pay
$26,000
| Full percentage deductible | $14,000 |
| Paid with the flat deductible instead | $39,000 |
| Extra you carry because of the percentage | $13,000 |
| 2% of this dwelling limit | $14,000 |
Lahaina and after
The Treasury data stop in 2022, a year before the Lahaina wildfire destroyed most of the town in August 2023. Losses of that size do not appear in these figures, and Maui premiums and underwriting rules have changed since. The dwelling coverage page explains why the cost to rebuild, and not the market value, should set the limit; island construction costs and the surge after a disaster make that question sharper in Hawaii than almost anywhere.
The plan of last resort
The Hawaii Property Insurance Association writes dwelling and homeowners named-peril policies, mostly in the lava zones of the Big Island where private insurers do not write. Its policies are outside the Treasury file. The Hawaii Insurance Division regulates insurers and handles complaints; nonpayment cancellations were rare in Hawaii, 0.80% over the period.
Hawaii, year by year
| Year | Hawaii median ZIP | National median ZIP | Nonrenewal rate | Claims per 100 policies | Paid loss ratio |
|---|---|---|---|---|---|
| 2018 | $1,956 | $1,445 | 0.35% | 3.2 | 24% |
| 2019 | $1,950 | $1,469 | 0.37% | 3.3 | 38% |
| 2020 | $1,989 | $1,491 | 0.25% | 3.2 | 26% |
| 2021 | $2,088 | $1,521 | 0.39% | 3.1 | 23% |
| 2022 | $2,136 | $1,551 | 0.28% | 2.1 | 14% |
The Hawaii counties with the most ZIP codes in the file
| County | ZIP codes | Median 2018 | Median 2022 | Change | Nonrenewal 2022 | Average claim |
|---|---|---|---|---|---|---|
| Honolulu County | 11 | $1,890 | $2,068 | +10.5% | 0.28% | $18,195 |
| Maui County | 6 | $1,849 | $2,121 | +14.3% | 0.35% | $18,224 |
| Hawaii County | 4 | $1,875 | $2,023 | +11.8% | 0.23% | $24,468 |
| Kauai County | 4 | $2,141 | $2,293 | +7.2% | 0.12% | $15,268 |
Highest and lowest premiums per policy, Hawaii ZIP codes, 2022
| ZIP code | County | Premium per policy | Change since 2018 | Nonrenewal 2022 |
|---|---|---|---|---|
| 96722 | Kauai County | $3,858 | +18.4% | 0.00% |
| 96761 | Maui County | $2,807 | +18.7% | 0.13% |
| 96821 | Honolulu County | $2,750 | +8.2% | 0.17% |
| 96740 | Hawaii County | $2,719 | +16.2% | 0.14% |
| 96790 | Maui County | $2,544 | +21.3% | 0.16% |
| 96706 | Honolulu County | $1,365 | +9.3% | 0.28% |
| 96732 | Maui County | $1,382 | +15.1% | 0.57% |
| 96738 | Hawaii County | $1,480 | +14.5% | 0.09% |
| 96793 | Maui County | $1,529 | +11.1% | 0.36% |
| 96707 | Honolulu County | $1,561 | +10.5% | 0.24% |