Plain-language guides on Hawaii homeowners insurance, lava zones, flood maps, and wildfire risk. https://insurability.ikenagroup.com/blog en-us briefs@ikenagroup.com briefs@ikenagroup.com Thu, 22 May 2026 12:00:00 +0000 https://insurability.ikenagroup.com/blog/hawaii-homeowners-insurance-crisis https://insurability.ikenagroup.com/blog/hawaii-homeowners-insurance-crisis Tue, 12 May 2026 12:00:00 +0000 State Farm, Farmers, and regional carriers have stopped writing new homeowners policies in Hawaii. https://insurability.ikenagroup.com/blog/hawaii-fair-plan-guide https://insurability.ikenagroup.com/blog/hawaii-fair-plan-guide Wed, 13 May 2026 12:00:00 +0000 If every private carrier has declined your property, the Hawaii Property Insurance Association must accept you. https://insurability.ikenagroup.com/blog/lava-zones-hawaii-insurance https://insurability.ikenagroup.com/blog/lava-zones-hawaii-insurance Thu, 14 May 2026 12:00:00 +0000 The USGS divides Hawaii into nine lava hazard zones. Learn what each zone means for insurability. https://insurability.ikenagroup.com/blog/wildfire-risk-hawaii-insurance https://insurability.ikenagroup.com/blog/wildfire-risk-hawaii-insurance Fri, 15 May 2026 12:00:00 +0000 After the 2023 Lahaina fire, wildfire is the fastest-moving factor in Hawaii homeowners insurance underwriting. https://insurability.ikenagroup.com/blog/fema-flood-zones-hawaii https://insurability.ikenagroup.com/blog/fema-flood-zones-hawaii Sat, 16 May 2026 12:00:00 +0000 FEMA’s National Flood Insurance Program designates every parcel in Hawaii into a flood zone. https://insurability.ikenagroup.com/blog/coastline-distance-insurance-hawaii https://insurability.ikenagroup.com/blog/coastline-distance-insurance-hawaii Sat, 16 May 2026 12:00:00 +0000 Distance from the shoreline is one of the most consequential inputs in Hawaii property insurance pricing. https://insurability.ikenagroup.com/blog/hurricane-insurance-hawaii https://insurability.ikenagroup.com/blog/hurricane-insurance-hawaii Sun, 17 May 2026 12:00:00 +0000 Hawaii has not taken a direct hurricane hit since Iniki in 1992, but that event permanently changed how carriers price wind risk. https://insurability.ikenagroup.com/blog/tsunami-zones-hawaii-insurance https://insurability.ikenagroup.com/blog/tsunami-zones-hawaii-insurance Mon, 18 May 2026 12:00:00 +0000 Hawaii’s tsunami evacuation zone signs mark life-safety boundaries — but they do affect underwriting. https://insurability.ikenagroup.com/blog/roof-age-hawaii-insurance https://insurability.ikenagroup.com/blog/roof-age-hawaii-insurance Tue, 19 May 2026 12:00:00 +0000 A roof older than 15 to 20 years can narrow your carrier options. https://insurability.ikenagroup.com/blog/non-renewal-hawaii-what-to-do https://insurability.ikenagroup.com/blog/non-renewal-hawaii-what-to-do Tue, 19 May 2026 12:00:00 +0000 Opening a non-renewal letter is one of the most stressful things a Hawaii property owner can face. https://insurability.ikenagroup.com/blog/hawaii-homeowners-insurance-cost https://insurability.ikenagroup.com/blog/hawaii-homeowners-insurance-cost Fri, 22 May 2026 12:00:00 +0000 Hawaii homeowners pay two to three times the national average for property insurance. https://insurability.ikenagroup.com/blog/buying-property-big-island-insurance https://insurability.ikenagroup.com/blog/buying-property-big-island-insurance Fri, 22 May 2026 12:00:00 +0000 On the Big Island, insurance is not a formality you handle after closing. https://insurability.ikenagroup.com/blog/hawaii-homeowners-insurance-denied https://insurability.ikenagroup.com/blog/hawaii-homeowners-insurance-denied Fri, 22 May 2026 12:00:00 +0000 Six specific triggers account for the majority of Hawaii insurance denials. https://insurability.ikenagroup.com/blog/maui-wildfire-insurance https://insurability.ikenagroup.com/blog/maui-wildfire-insurance Fri, 22 May 2026 12:00:00 +0000 The August 2023 Lahaina fire destroyed more than 2,200 structures. https://insurability.ikenagroup.com/blog/hawaii-condo-insurance https://insurability.ikenagroup.com/blog/hawaii-condo-insurance Fri, 22 May 2026 12:00:00 +0000 Hawaii condo owners routinely discover that their HOA master policy leaves significant gaps. https://insurability.ikenagroup.com/blog/hawaii-special-management-area https://insurability.ikenagroup.com/blog/hawaii-special-management-area Fri, 22 May 2026 12:00:00 +0000 If your parcel falls within Hawaii’s SMA, rebuilding after a loss requires a county permit. https://insurability.ikenagroup.com/blog/hawaii-lender-insurance-requirements https://insurability.ikenagroup.com/blog/hawaii-lender-insurance-requirements Fri, 22 May 2026 12:00:00 +0000 Hawaii lenders have specific insurance requirements beyond what any carrier disclosure will spell out. https://insurability.ikenagroup.com/blog/oahu-flood-zone-neighborhoods https://insurability.ikenagroup.com/blog/oahu-flood-zone-neighborhoods Fri, 22 May 2026 12:00:00 +0000 Oahu has more AE and VE designated land than most residents realize. https://insurability.ikenagroup.com/blog/surplus-lines-insurance-hawaii https://insurability.ikenagroup.com/blog/surplus-lines-insurance-hawaii Fri, 22 May 2026 12:00:00 +0000 Surplus lines carriers can write properties the standard market declines. https://insurability.ikenagroup.com/blog/kauai-property-insurance https://insurability.ikenagroup.com/blog/kauai-property-insurance Fri, 22 May 2026 12:00:00 +0000 Kauai has the wettest recorded rainfall on Earth and a Hurricane Iniki scar that never fully healed.