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Find Flood Insurance Agents Near You in Lahaina, HI
Browse flood insurance agents serving Lahaina, Hawaii. Contact information and addresses listed below.
6 agents listed
Updated May 2026
Lahaina, HI
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Hawaii before hiring.
Showing 6 flood insurance agents in Lahaina, HI
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Chad Santiago - State Farm Insurance Agent
40 Kupuohi St STE 101, Lahaina, HI 96761
(808) 667-7888
westmauiinsurance.com
Adams & Associates - Hawaii
5095 Napilihau St, Lahaina, HI 96761
(808) 757-9464
adamsassociatesinsurance.com
MAUI LIFE INSURANCE
4465 HI-30, Lahaina, HI 96761
(808) 250-5164
protectmyohana.com
Insurance Associates Lahaina
40 Kupuohi St, Lahaina, HI 96761
(808) 661-0401
insuringhawaii.com
State Farm
325 Keawe St #104, Lahaina, HI 96761
(808) 667-7888
New York Life Logo
727 Waine'e St #208, Lahaina, HI 96761
(808) 667-7664
Flood insurance agents in Lahaina help property owners navigate National Flood Insurance Program (NFIP) policies and private flood insurance options. Hawaii law requires lenders to mandate flood insurance for properties in Special Flood Hazard Areas. An agent can explain coverage limits and the 30 day waiting period before policies take effect.
What Does a Flood Insurance Agent in Lahaina Cost?
Typical flood insurance costs in Lahaina range from 700 to 2,500 dollars per year for NFIP policies, depending on flood zone, elevation, and building value. Private market policies may cost more or less. Premiums for properties in high risk V zones or with low elevations can exceed 5,000 dollars annually. This is general information, not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
Do I need flood insurance in Lahaina Hawaii?
If your property is in a FEMA designated Special Flood Hazard Area and you have a federally backed mortgage, flood insurance is required by law. Even outside these zones, agents recommend coverage due to storm surge and heavy rain risks.
How long does it take to get a flood insurance policy in Lahaina?
Standard NFIP policies have a 30 day waiting period after application and payment. Exceptions exist for loan closings or map changes. An agent can explain if you qualify for a shorter wait.
What does a flood insurance agent do in Lahaina?
An agent reviews your property elevation and flood zone to recommend appropriate coverage. They help you complete the NFIP application and explain deductibles, coverage limits, and the difference between building and contents coverage.
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BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of Hawaii.