ADVERTISING DISCLOSURE: BeforeInsuranceUSA.com is an informational directory, not an insurance agency or broker. We do not sell insurance or provide insurance advice. No agent-client relationship is created by using this site. No agent listed on this site has paid for, authorized, or approved their listing. This is an advertisement.
Find Flood Insurance Agents Near You in Pearl City, HI
Compare flood insurance agents in Pearl City. Review contact information and insurance categorys before you decide.
5 agents listed
Updated May 2026
Pearl City, 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 5 flood insurance agents in Pearl City, 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.
Margaret Yamashita - State Farm Insurance Agent
850 Kamehameha Hwy Ste 113, Pearl City, HI 96782
(808) 455-7944
myamashita.com
Marcus Murakami: Allstate Insurance
98-1238 Kaʻahumanu St STE 303, Pearl City, HI 96782
(808) 638-4044
agents.allstate.com
Keala N Kamai: Allstate Insurance
450 Kamehameha Hwy Ste 8, Pearl City, HI 96782
(808) 486-3370
agents.allstate.com
Wayne Midro - State Farm Insurance Agent
425 Kamehameha Hwy STE 301, Pearl City, HI 96782
(808) 484-8844
teammidro.com
Honolulu Flood Pros
2357 Anini Pl, Pearl City, HI 96782
(808) 379-6541
Flood insurance agents in Pearl City help homeowners and businesses secure coverage under the National Flood Insurance Program (NFIP) or private insurers. Hawaii law requires flood insurance for properties in high-risk flood zones if they have a federally backed mortgage. Pearl City is near streams and coastal areas, so agents can assist with flood zone determinations and policy options.
What Does a Flood Insurance Agent in Pearl City Cost?
Typical flood insurance costs in Hawaii range from about $500 to $3,000 per year for an NFIP policy, depending on the property's flood zone, elevation, and coverage amount. Private market policies may cost more or less. Actual premiums are set by the insurer based on risk factors. This is general information and 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 Pearl City Hawaii?
If your property is in a Special Flood Hazard Area (SFHA) and you have a federally backed mortgage, you are required by law to have flood insurance. Even outside high-risk zones, flooding can occur from heavy rain or storm surges.
What does a flood insurance agent do in Pearl City?
A flood insurance agent helps you assess your flood risk, compare NFIP and private policies, and complete the application. They also explain coverage limits, deductibles, and the 30-day waiting period for new NFIP policies.
How long does it take to get flood insurance in Pearl City?
Standard NFIP policies have a 30-day waiting period from the date of application before coverage begins. Some private insurers may offer shorter waiting periods. Plan ahead especially during hurricane season.
Free • No Obligation
Compare Flood Insurance Agents
Get matched with agents in Pearl City who handle your type of coverage.
Replace with iframe/embed code from your affiliate network
Affiliate Disclosure
The form above is provided by a third-party insurance marketing service. BeforeInsuranceUSA.com receives compensation when you submit a qualified inquiry. This is a free service with no obligation to hire any agent. Your information is collected and handled by the form provider according to their privacy policy.
Notice
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.