Hawaii Homeowners Pay Some of the Highest Insurance Costs In The Country

"According to newly released American Community Survey (ACS) data from the U.S. Census Bureau, Hawaii homeowners with or without a mortgage typically pay $1,000-$1,499 annually for homeowners insurance. Overall statewide costs are the same, at $1,000-$1,499. But at the upper end, the Census data also shows households reporting costs of $4,000 or more, making Hawaii one of the few states in that category."

"Compared with other Pacific states, Hawaii's numbers stand out. California homeowners typically pay $1,000-$1,499 regardless of mortgage status. Oregon and Washington fall into the same range, with few households reporting extremely high costs. Alaska is lower still, averaging $1,000-$1,499 with a mortgage and $800-$999 without. By comparison, Hawaii's exposure to extreme weather events, including hurricanes and wildfires, pushes more households into the $4,000-or-higher category, setting it apart even within the region."

"Hawaii homeowners face some of the highest insurance premiums in the U.S., driven by the state's unique geography and elevated climate risks. The Realtor.com 2025 Climate Risk Report shows why Hawaii households face elevated premiums. Nationally, 5.6% of homes-worth $3.2 trillion-face severe or extreme wildfire risk, and Hawaii has recently joined the list of states where wildfire exposure has strained insurers."

Hawaii homeowner insurance typically falls in the $1,000–$1,499 annual range, but a notable share of households report costs of $4,000 or more. The state has 304,026 insured homeowner households: 184,501 with a mortgage and 119,525 without. Among mortgaged owners, 19,171 pay $4,000+ while 13,751 pay under $100; among those without a mortgage, 10,322 pay $4,000+ and 22,510 pay under $100. Compared with California, Oregon, Washington and Alaska, Hawaii shows more extreme high-cost outliers. Wildfires, hurricanes and other climate exposures are increasing premiums and straining insurers.

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