A one-page research document compiled from public GIS databases for any Hawaii property.
Exactly what a carrier's underwriter will see when they look up your address — before you ask for a quote.
Not an insurance quote, not a carrier inspection, not a guarantee of coverage. Data only.
A PDF with 10 fields, every one cited to a named government source with a retrieval timestamp.
Hawaii Insurance Crisis
Not sure what you need?
Tell us your situation.
We’ll point you to the right next step — whether that’s the free preview, the full brief, or the broker subscription.
How it works
Three steps. Sixty minutes.
Enter an address, we do 90 minutes of GIS lookups for you, you get a PDF.
What’s in the brief
Ten fields. Every one sourced and timestamped.
The first three fields are free for any Hawaii address. The remaining five — plus the carrier summary and source citations — unlock with a $19 payment.
Who this is for
Three moments where this matters
If you’re dealing with a cancelled policy, a pending purchase, or a broker writing Hawaii properties — this brief was built for you.
Non-renewal
Homeowners with non-renewal letters
Your carrier dropped you. Before you call a new broker, know exactly what they will see — lava zone, flood zone, wildfire score, wind speed. Walk in with the data.
Escrow
Buyers before inspection closes
Insurability is a deal condition in Hawaii now. Get the full hazard profile before your inspection period closes, not after your lender flags it.
Production
Brokers writing 20+ quotes a week
90 minutes of GIS lookups, in one document, for $19. Subscribe for $199/month for 10 briefs with CSV batch upload. The math works on the first quote.
Methodology
Public data, cited at the source
No proprietary indices. No invented values. Every field links to a named government agency or research organization.
For brokers
10 briefs a month. CSV upload. $199 flat.
At $19/brief the math is simple: if you’re quoting more than 10 properties a month, the subscription pays for itself. Batch upload a CSV of addresses, get all briefs in the queue. Invoiced billing available for firms that won’t card-pay.
Research & guides
Understanding Hawaii property risk
May 2026
The Hawaii Homeowners Insurance Crisis, Explained
Why carriers are leaving Hawaii, which counties are hardest hit, and what homeowners can do before their next renewal.
May 2026
Hawaii Lava Zones 1–9: What They Mean for Your Insurance
A plain-English breakdown of USGS lava hazard zones and why your zone number matters more than your ZIP code to underwriters.
May 2026
FEMA Flood Zones in Hawaii: AE, VE, and X Explained
What SFHA designation means, why base flood elevation matters to your lender, and how to find your panel before your lender does.
May 2026
Got a Non-Renewal Notice in Hawaii? Do These 5 Things Now.
Step-by-step: what to gather, who to call, how to present your property's risk profile to a new broker, and when the FAIR Plan is your only option.
FAQ
Common questions
Still have questions? Email us.
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.
What do I get for free?
Enter any Hawaii address and we'll show you three data points immediately at no cost: your lava hazard zone, FEMA flood zone designation, and tsunami evacuation status. The full brief — wildfire exposure, hurricane wind design, coastline distance, roof age estimate, carrier-readable summary, and source citations — requires a $19 payment.
Why $19?
Each brief takes roughly 60–90 minutes of manual GIS lookup and review by a human operator. $19 covers that labor and keeps the service sustainable. We're not marking up data — the data is public. We're charging for the research time.
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 a data point is unavailable?
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.
Can I get a brief for Maui, Kauai, or the Big Island?
Yes. The brief covers all four main Hawaiian islands — Oahu, Maui, Hawaii (Big Island), and Kauai. Lava zone data is only relevant for the Big Island; that field shows 'N/A — not applicable for this island' for other islands.
Where can I read more about Hawaii insurance risk?
Our research blog covers lava zones, FEMA flood maps, wildfire exposure, and what to do after a non-renewal notice.