![]() However, Hawaiian homeowners can also experience tectonic and mantle earthquakes, which may cause serious damage. Many tremors are related to volcanic activity and don’t cause major damage. It’s the number three state for earthquakes, with thousands occurring each year. Hawaii, with its active volcanoes, is no stranger to earthquakes. This program helps people find housing after an issue directly caused by a disaster, and that isn’t covered by insurance or other sources. Private flood insurance is also an option.įEMA’s Individuals and Households Program (IHP) can provide direct and monetary assistance after a major disaster or emergency, if you’re eligible. Most people who have flood insurance buy it through the National Flood Insurance Program (NFIP), a federal program. It’s best to have your own flood insurance to rely on for financial benefits. Monetary help from the government after a flood can be limited. Here’s a look at the number of recent floods in Hawaii Like many areas in the U.S., Hawaii deals with expensive and destructive flooding that isn’t always declared a federal disaster. As flooding becomes more frequent, you may want to consider flood insurance if your Hawaiian property is at risk.įlooding can be a significant issue for homeowners in Hawaii because the islands are prone to hurricanes and tropical storms. It isn’t always fun in the sun on the Hawaiian islands. Flood Insurance in Hawaiiĭon’t expect your standard homeowners insurance policy to cover flood damage. It’s always wise to closely review your policy to understand what is excluded from your homeowners coverage. ![]() What’s Not Covered by Homeowners Insurance in Hawaii?Ĭommon exclusions found in a standard home insurance policy include problems like floods, earthquakes, sinkholes, mudslides, mudflows, power failure, war, nuclear hazard, wear and tear and intentional loss. These extras may include restaurant meals, hotel stay and other necessary services, like a laundry service.
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