Get Flood Insurance Hawaii & Save Money Too.
People in Hawaii save on average $500 to $1,457+ on their annual flood premiums.
In many cases, we save them even more. Get the cheapest flood insurance in Hawaii without sacrificing coverage.
2023 – Save Money On Your Flood Insurance Hawaii
Get Cheap Flood Insurance without Compromising Coverage
"Same Coverage at a Better Rate"
Flood Nerds will shop the private flood insurance markets and then compare them to the NFIP, guaranteeing you the better option. We will send you the cheapest flood insurance rates within minutes.
"Quick Response, Very Knowledgable"
– Robert W
Paying for low-cost flood insurance is awesome. And letting the Flood Nerds shop your property has other benefits – you can get better coverage while saving money, and you can get it fast.
"Would highly recommend Better Flood for your flood insurance needs."
– Varun K
Better Flood Insurance is an independent flood insurance broker that shops flood insurance ONLY. Flood Nerds are Flood insurance experts. We have 5000+ happy clients and 390+ 5-star reviews.
Flood Insurance In Hawaii
Aloha! My name is Robert Murphy, and I’m the Top Flood Nerd™ at Better Flood. We Flood Nerds are flood insurance experts. Flood insurance is complicated, especially with terrain like you have in Hawaii. But we Flood Nerds thrive on complexity and we love to shop for flood insurance. Most people in Hawaii think they are stuck with flood insurance through the government’s National Flood Insurance Program (NFIP). But that’s not true. So, if you’re tired of paying flood insurance premiums that get more and more expensive each year or you just need cheap flood insurance fast, let us find you the best coverage and price.
Does my Hawaii homeowners insurance cover flooding?
Do I need flood insurance in Hawaii?
What are my flood insurance options in Hawaii?
National Flood Insurance Program Hawaii
Hawaii private flood insurance market
How much does flood insurance cost in Hawaii?
4 things you need to know about flood insurance in Hawaii Islands?
Hawaii Flood Insurance calculator
Cost of flood insurance in Hawaii?
Hawaii Homeowner’s Insurance Doesn’t Cover Flooding
A typical homeowner’s policy for a home in Hawaii is written through State Farm, USAA, or First Insurance Company of Hawaii. These policies protect your home from things like fires and theft. But they don’t cover damage to the structure or contents from rising water. If the wind blows the roof off and rain gets inside, you are covered. But if there is a flood or a tsunami, you are out of luck if you don’t have flood insurance. Your homeowner’s policy won’t cover damage to the building or your belongings.
Don’t believe me? Just give your homeowner’s agent a jingle and ask them about adding a flood coverage endorsement to your homeowner’s policy. When the aka’aka stops, they’ll tell you it’s not possible. But the risk of flooding isn’t funny in Hawaii. Flooding is a serious business in Hawaii.
You Must Have Flood Insurance for Flood Protection in Hawaii
If you want to protect your property from flood damage or tsunami damage, you must have a separate flood insurance policy. And unfortunately, most State Farm, USAA, and other insurance agents will just write you a policy through the National Flood Insurance Program (NFIP). It’s their easiest and only way to get you a policy. Unfortunately, it is often the most expensive flood insurance you can buy. The Write Your Own arm of the NFIP lets the big insurers slap their company’s logo on an NFIP policy so it looks like private flood insurance. Of the approximately 60,000 NFIP flood policies recently in effect in Hawaii, 58,704 of those were just Write Your Own policies – national flood insurance under a private logo.
These people probably think they are saving money with a private Hawaii flood insurance policy, but they aren’t.
We Flood Nerds are Hawaii Flood Insurance Experts. We know all the ins and outs of the Hawaii private flood insurance market and we know the NFIP too. That’s why we can always find you the very best coverage for the absolute very best price.
Getting a quote for Hawaii flood insurance is fast and free. You should do it now.
Do You Need Hawaii Flood Insurance?
Flooding is a serious problem in Hawaii, and since Hawaii homeowner’s insurance doesn’t cover the risk you should have flood insurance.
One of the downsides of the NFIP is that it created a misperception that if you aren’t in a high-risk flood zone, you don’t need flood insurance. That’s just wrong. If it can rain, it can flood. And if Chile can have an earthquake, Hawaii can have a tsunami.
In 1960, the Vivaldi earthquake shook Chile and the resulting tsunami killed 61 people in Hilo and flooded countless homes and businesses. Hawaii doesn’t need a Kona storm, tropical storm, or tsunami to create a flood. In November of 2020, it rained and it rained hard and fast on the Big Island. Kapapala Ranch received over 37 inches of rain in just 24 hours. The water overwhelmed existing streams and even cut new streambeds. The flooding was catastrophic. sadly, 300 homes were destroyed.
When it rains in Hawaii, it pours. Hawaii averages 11 flash floods in Honolulu County each year.
And more than coastal areas are at risk. According to FEMA, the government agency that oversees the government flood insurance program, 25% of claims they pay out are in low-risk areas.
Yes, you need to buy flood insurance if you own a home or business in Hawaii.
In high-risk areas, lenders require buyers to purchase flood insurance. Just because your lender didn’t require it for your loan doesn’t mean you are safe from flooding.
That’s not hyperbole, it’s just a fact. One we Flood Nerds never forget.
See, over the last 50 years, the government has collected flood data and it shows that recent major storms cause flooding in low-risk areas. And 90% of people who had floodwater in their homes after these flooding storms didn’t have flood insurance.
In Hawaii, there is no such thing as no risk of flooding. So, ask a Flood Nerd to help you get private flood insurance and save money on Hawaii flood insurance!
Flooding Without Flood Insurance Is Pilikia
Pilikia means trouble of any size in Hawaiian. And if your home is damaged by flooding and you don’t have flood insurance you have BIG pilikia. You must pay to repair the damage. You may wipe out your savings or try to get a loan, but it’s all on you.
Flooding is one of the most expensive causes of damage to repair. It can cost $40,000 to $90,000 and that’s not even considering the damage to the contents of your home.
And flooding without flood insurance causes financial ruin. When a flood washes away your home, it doesn’t wash the mortgage away too. People that don’t have flood insurance or savings to rebuild often just walk away from the home. It’s sad but true. People dealing with foreclosure and trying to start over are at a disadvantage. In addition to losing their home and possessions, they lose their credit rating too due to the foreclosure.
The government isn’t going to help.
The myth of significant government assistance after a disaster is spread by people who have never lived through a disaster.
Here’s what really happens with government “assistance”:
The Governor of Hawaii must request a federal declaration of disaster.
The President must declare the area a disaster area making federal assistance available.
You must fill out forms to apply for that assistance.
If you are approved, “assistance” comes in the form of an SBA-backed loan you MUST pay back.
That government assistance will be about $6,000.