Can you get lava insurance zone 1?

Homeowners insurance is available for all lava zones on Hawaii Island, but the cost varies by the lava zone. Currently in lava zone 1 and 2, the only insurance that is available is through the state insurance fund, Hawaii Property Insurance Association (HPIA).



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Zone 3 includes areas gradationally less hazardous than zone 2 because of greater distance from recently active vents or because the topography makes it less likely that flows will cover these areas.

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Maui Zone 4 - Functionally has no danger from eruption havening not been inundated with lava for at least 100,000 years. This makes it most similar to a Zone 9 on the island of Hawai?i.

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Most would consider Lava Zone 3 land relatively safe from volcanic incidents. But Hawaiian Beaches lies between two areas classified as Lava Zone 2.

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