Insurability Brief — Hawaii

Your insurance carrier just dropped you. Here’s what the next one will see before they say no.

A one-page Insurability Brief for any Hawaii address — lava zone, flood zone, wildfire score, tsunami zone, coastline distance, roof age, and the three sentences a broker needs to file a quote. Delivered by email within 60 minutes. Every number cited to a public source.

No account required. One payment, one PDF, permanent re-download link.

What’s in the brief

Ten fields, every one sourced

Sample below uses the Aloha Tower Marketplace parcel (Honolulu). Your brief follows the same template.

Hawaii Insurability BriefGenerated 2026-05-21 14:32 HST

1 Aloha Tower Dr, Honolulu HI 96813TMK 1-2-1-003-000 · O‘ahu · Honolulu County · 1.2 ac

Property headerAddress, TMK, island, county, parcel size

Lava hazard zoneUSGS zones 1–9 with plain-English meaning

FEMA flood zoneZone designation + base flood elevation

Distance to coastlineMeters from mean high water

Hurricane wind designASCE 7-16 design wind speed + exposure category

Wildfire exposureLow / Moderate / High / Extreme (HWMO/HIEMA)

Tsunami evacuation zoneYes / No + zone code (HI-EMA)

Roof age estimateFrom county permit records when available

Carrier-readable summaryThree sentences in underwriter language — paste directly into a quote app

Source citationsEvery data point footnoted to the public source with retrieval timestamp

Who this is for

Three moments where this matters

Non-renewal

Homeowners with cancellation letters

Your carrier dropped you. Before you call another broker, know exactly what they will see — lava zone, flood zone, wildfire score, the works. Walk in informed.

Escrow

Buyers before inspection closes

Insurability is now a deal condition in Hawaii. Get the full risk profile before your inspection period closes, not after.

Production

Brokers writing 20+ quotes a week

Ninety minutes of GIS lookups, in one document, for $29. Subscribe for $199/month and run 10 briefs per month with CSV upload.

Methodology

Public data, cited at the source

No proprietary indices. No invented values. Every field sourced and timestamped.

USGS Volcano Hazards Program

Lava flow hazard zones 1–9, Big Island

FEMA National Flood Hazard Layer

Flood zone designation + base flood elevation

HI-EMA Tsunami Evacuation Zones

State tsunami map, all islands

Hawaii Emergency Management Agency

Community wildfire risk assessment

Hawaii Wildfire Management Org (HWMO)

Wildfire exposure index

State of Hawaii Building Code (Act 139)

Hurricane wind design speed + exposure

Honolulu DPP / Hawaii County GIS

Permit records for roof age estimate

Hawaii Special Management Area layer

Coastal setback + shoreline proximity

For brokers

10 briefs a month. CSV upload. Saved clients.

The $199/month broker subscription cuts the per-brief cost to $20 and adds batch upload and a saved client list. Invoiced billing available for firms that won’t card-pay.

See broker pricing

FAQ

Common questions

Is this an insurance quote?

No. This is a research brief compiled from public GIS records. It tells you what the data says about your parcel's hazard profile. It does not determine your premium, coverage terms, or whether a carrier will write you a policy.

Will my carrier accept this?

The brief is a research document, not a policy document or co-branded carrier asset. Brokers use it to pre-fill quote applications faster. Some carriers may request their own assessments; this does not replace an inspection.

How current is the data?

Each data point carries a retrieval timestamp and source citation. Lava zone maps are USGS 1992 vintage (official). FEMA panels update on FEMA's cycle. Wildfire scores update annually by HIEMA. Permit records are live county data.

What if the data is wrong?

If a source is unavailable for your parcel, the brief renders 'Not available — recommend on-site assessment' rather than fabricating a value. If you believe a data point is incorrect, contact us within 7 days of purchase for a full refund.

How long does delivery take?

Target is under 60 minutes. During our launch period, an operator reviews and sends each brief manually. We will publish average turnaround time once we have real data to report.