IICRC-certified water damage pros across all of Hawaii — serving 5 cities and 0 counties. Average Hawaii claim: $22K. 45,000+ claims filed annually statewide.
5
Cities Covered
$22K
Avg Claim Value
45K+
Annual Claims
Yes ✓
NFIP Participant
Flood Risk Profile
Hawaii's unique hazard is the combination of extreme rainfall on windward slopes and sudden flash flooding. Mount Waialeale on Kauai averages 460" of rain per year — among the wettest spots on Earth. Flash floods here can go from dry stream to 10-foot wall of water in minutes. Tsunami risk is also significant — Hawaii is the most tsunami-exposed state in the US, with 62 tsunamis recorded since 1813.
Notable Events
April 2018 Kauai flooding (49.69" in 24 hours — US record rainfall event, Hanalei Valley evacuations)
Hurricane Lane 2018 (Cat 5 at peak, Big Island received 52" of rain — nearly a US record)
March 2006 Kauai dam failure (Kaloko Reservoir dam break, 7 killed, $50M+ damage)
2018 Kilauea lava eruption — lava flows destroyed 700+ homes, also caused drainage flooding
Insurance Info — Hawaii
Hawaii Insurance Division regulates. Hawaii requires acknowledgment within 10 days and payment within 30 days. Hawaii has the highest average water damage claim value in the nation after Alaska — a combination of construction costs, remoteness, and limited contractor availability. The windward (wet) sides of the islands receive 200-400" of rainfall annually. Hurricane coverage is often excluded from standard policies and must be purchased separately.
Licensing: Hawaii Department of Commerce and Consumer Affairs, DCCA — Contractor C License required
Service Areas
Click any city for local flood risk data, cost estimates, and IICRC-certified pros.
Official FEMA Records
Local Pricing
Hawaii averages $22K per insurance claim. Final cost depends on water category, affected area, delay time, and structural damage.
Use our cost calculatorAvg insurance claim
$22,000
Hawaii statewide avg
Annual claims filed
45K+
In Hawaii per year
Minor damage (Cat 1)
$1,500–$4,000
Clean water, small area
Severe damage (Cat 3)
$8,000–$25,000+
Sewage, flood, structural
IICRC-certified pros dispatch to your location 24/7 — average 44 min response across Hawaii.
Educational Resources
Most homeowners call a plumber first. That's the wrong call. The order in which you contact a restoration company, your insurer, and a plumber directly affects how much you recover from insurance -- and how fast your home is restored.
The decisions you make in the first 60 minutes after water damage determine how much you pay, how fast you recover, and whether your insurance claim succeeds. Here's the exact sequence of actions.
Most water damage insurance claim denials happen because homeowners make one of seven preventable mistakes. This guide shows you exactly what to do — and what to avoid — from the moment water appears.
The average water damage restoration costs $3,900 nationally — but ranges from $1,200 to $25,000+ depending on factors most homeowners don't know about before they call.
Reviewed by Marcus Reed, IICRC WRT · Last updated: 2026-07-10
HearthDry is an independent educational resource for Hawaii homeowners. Cost estimates reflect statewide averages. FEMA data is approximate — verify at fema.gov. Always confirm contractor licensing with Hawaii Department of Commerce and Consumer Affairs, DCCA — Contractor C License required.
