Homeowners Insurance & Natural Hazard Costs in Wailea
Wailea's hazard profile carries Hawaii's real, statewide tsunami and hurricane exposure, alongside genuinely higher-than-average insurance costs driven by the area's elevated property values.
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Learn moreReal, statewide tsunami and hurricane risk
Wailea's coastal frontage carries Hawaii's real, statewide tsunami risk and comparatively infrequent hurricane exposure.
Wailea is not Lahaina
The real, catastrophic August 2023 wildfire struck West Maui's Lahaina, a separate community roughly 25 miles from Wailea -- this record discloses that distinction directly.
Insurance costs run well above the statewide average
Hawaii's statewide homeowners-insurance average ran $801-$1,724/year, but Wailea's genuinely much higher property values mean actual premiums for a specific Wailea property will run well above that figure in absolute dollar terms.
Key takeaways
- Wailea carries Hawaii's real, statewide tsunami and hurricane exposure.
- Wailea and Lahaina are genuinely separate communities with distinct 2023 wildfire histories.
- Confirm current, property-specific insurance quotes directly given Wailea's elevated home values.
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