Captain Cook shares much in common with the District of Puna. Both districts are situated on active volcanoes and contain large sections of land that are in Lava Flow Hazard Zone 2.
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Zone 9, considered the least hazardous region, consists of Kohala, a volcano that has not erupted for 60,000 years. Sources/Usage: Public Domain. Lava-flow hazard zones map, Island of Hawai'i.
Captain Cook shares much in common with the District of Puna. Both districts are situated on active volcanoes and contain large sections of land that are in Lava Flow Hazard Zone 2.
Lava zone 2: Black Sand Beach, Nanawale Estates, Hawaiian Beaches, Hawaiian Shores, Hawaiian Parks, Kehena, Puna Beach Palisades, Kalapana Seaview Estates, Kaimu-Makena Houselots. Pahoa is of course also in this lava zone.
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.
On average for a 1,200 sf home you can expect annual premiums to be approximately $6,000.00. For comparison, a homeowners policy for lava zone 3 or higher is about $1,400.00 per year and you will have numerous choices for coverage.
Lava Zone 2 areas include Hawaiian Ocean View Ranchos, Hawaiian Ocean View Estates, Black Sand Beach, Nanawale Estates, Kehena, Kalapana Seaview Estate, parts of Hawaiian Paradise Park, Hawaiian Beaches, parts of Kapoho, Puna Beach Palisades, Kona Paradise, Honomalino, Opiihale and more.
Zone 3 - Areas less hazardous than zone 2 because of greater distance from recently active vents and (or) because of topography. 1-5% of zone 3 has been covered since 1800, and 15-75% has been covered within the past 750 years.