Insurability Brief — Hawaii
Enter any Hawaii address — get 3 risk data points free. Unlock the full 8-field brief for $19. Every number cited to a public source. Delivered within 60 minutes.
3 data points free, no card required. Full brief $19 — no account needed.
What’s in the brief
The first three fields are free for any Hawaii address. The remaining five — plus the carrier summary and source citations — unlock with a $19 payment.
Who this is for
Non-renewal
Your carrier dropped you. Before you call another broker, know exactly what they will see — lava zone, flood zone, wildfire score, the works. Walk in informed.
Escrow
Insurability is now a deal condition in Hawaii. Get the full risk profile before your inspection period closes, not after.
Production
Ninety minutes of GIS lookups, in one document, for $19. Subscribe for $199/month and run 10 briefs per month with CSV upload.
Methodology
No proprietary indices. No invented values. Every field links to a named government agency or research organization.
For brokers
At $19/brief the math is simple: if you’re quoting more than 10 properties a month, the subscription pays for itself. Batch upload a CSV of addresses, get all briefs in the queue. Invoiced billing available for firms that won’t card-pay.
Research & guides
May 2026
Why carriers are leaving Hawaii, which counties are hardest hit, and what homeowners can do before their next renewal.
May 2026
A plain-English breakdown of USGS lava hazard zones and why your zone number matters more than your ZIP code to underwriters.
May 2026
What SFHA designation means, why base flood elevation matters to your lender, and how to find your panel before your lender does.
May 2026
Step-by-step: what to gather, who to call, how to present your property's risk profile to a new broker, and when the FAIR Plan is your only option.
FAQ
Still have questions? Email us.
No. This is a research brief compiled from public GIS records. It tells you what the data says about your parcel's hazard profile. It does not determine your premium, coverage terms, or whether a carrier will write you a policy.
Enter any Hawaii address and we'll show you three data points immediately at no cost: your lava hazard zone, FEMA flood zone designation, and tsunami evacuation status. The full brief — wildfire exposure, hurricane wind design, coastline distance, roof age estimate, carrier-readable summary, and source citations — requires a $19 payment.
Each brief takes roughly 60–90 minutes of manual GIS lookup and review by a human operator. $19 covers that labor and keeps the service sustainable. We're not marking up data — the data is public. We're charging for the research time.
The brief is a research document, not a policy document or co-branded carrier asset. Brokers use it to pre-fill quote applications faster. Some carriers may request their own assessments; this does not replace an inspection.
Each data point carries a retrieval timestamp and source citation. Lava zone maps are USGS 1992 vintage (official). FEMA panels update on FEMA's cycle. Wildfire scores update annually by HIEMA. Permit records are live county data.
If a source is unavailable for your parcel, the brief renders 'Not available — recommend on-site assessment' rather than fabricating a value. If you believe a data point is incorrect, contact us within 7 days of purchase for a full refund.
Target is under 60 minutes. During our launch period, an operator reviews and sends each brief manually. We will publish average turnaround time once we have real data to report.
Yes. The brief covers all four main Hawaiian islands — Oahu, Maui, Hawaii (Big Island), and Kauai. Lava zone data is only relevant for the Big Island; that field shows 'N/A — not applicable for this island' for other islands.
Our research blog covers lava zones, FEMA flood maps, wildfire exposure, and what to do after a non-renewal notice.