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Directory of flood insurance agents in Hilo, Hawaii. Verify credentials with the state department of insurance before hiring.
19 agents listed
Updated May 2026
Hilo, 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 19 flood insurance agents in Hilo, 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.
Nakoa Kai Insurance Professionals: Allstate Insurance
680 Manono St, Hilo, HI 96720
(808) 969-7767
agents.allstate.com
Iris Kuwaye - State Farm Insurance Agent
9 Lei St, Hilo, HI 96720
(808) 935-3375
iriskuwaye.com
Claire Justo - State Farm Insurance Agent
2100 Kanoelehua Ave Ste 212, Hilo, HI 96720
(808) 935-4455
myjustrightinsurance.com
Zack Pacleb - State Farm Insurance Agent
72 Kapiolani St, Hilo, HI 96720
(808) 657-3212
islandsf.com
Cary Ichinose - State Farm Insurance Agent
630 Kilauea Ave #102, Hilo, HI 96720
(808) 933-8500
caryichinose.com
Pyramid Insurance - Hilo
48 Kamana St Suite #103, Hilo, HI 96720
(808) 969-7174
pyramidins.com
Hope Chu Hing - State Farm Insurance Agent
586 Kanoelehua Ave #300, Hilo, HI 96720
(808) 935-3157
insurancewithaloha.com
Fast Insurance Agency HI
218 Kamehameha Ave, Hilo, HI 96720
(808) 645-4364
Business Insurance Services Inc
1080 Kilauea Ave, Hilo, HI 96720
(808) 935-1888
bisihi.com
Mind Insurance HI
344 Kilauea Ave, Hilo, HI 96720
(808) 646-3602
Trust Guard Insurance HI
451 Kekuanaoa St, Hilo, HI 96720
(808) 736-1914
Hawaiian Islands Insurance, Inc.
166 Kamehameha Ave #8, Hilo, HI 96720
(808) 933-3000
hawaiian.insure
Moa Insurance Services Hawai'i
1321 Kinoole St, Hilo, HI 96720
(808) 333-3456
Atlas Insurance Agency
80 Pauahi St STE 105, Hilo, HI 96720
(808) 935-2943
atlasinsurance.com
Pacific Island Insurance LLC
166 Kamehameha Ave Ste 7, Hilo, HI 96720
(808) 933-3000
Mutual Underwriters - Hilo
275 Ponahawai St # 105, Hilo, HI 96720
(808) 969-1110
Financial Benefits Insurance Inc. Hilo Office
1289 Kilauea Ave Unit G, Hilo, HI 96720
(808) 792-5194
fbihi.com
Alliant Insurance Services, Inc.
101 Aupuni St # 133, Hilo, HI 96720
(808) 481-4828
alliant.com
Finance Insurance Ltd
605 Laukapu St Ste#201, Hilo, HI 96720
(808) 933-1288
financeinsurance.com
Flood insurance agents in Hilo help property owners navigate the National Flood Insurance Program and private flood insurance options. Hawaii law requires that all flood insurance policies comply with state regulations and local floodplain management ordinances. Hilo is located in a high risk flood zone, making professional agent guidance essential for proper coverage.
What Does a Flood Insurance Agent in Hilo Cost?
Flood insurance costs in Hilo vary based on flood zone, elevation, and property value. NFIP rates typically range from 700 to 2,000 dollars per year for standard policies. Private flood insurance may cost between 500 and 3,000 dollars annually depending 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 Hilo Hawaii?
Yes if your property is in a high risk flood zone and you have a federally backed mortgage. Even if not required, flood insurance is strongly recommended because Hilo is prone to heavy rain and tsunami related flooding.
What does a flood insurance agent do in Hilo?
A flood insurance agent helps you assess your flood risk, compare NFIP and private policies, and complete the required elevation certificate. They also guide you through Hawaii specific flood zone designations and building code requirements.
How long does it take to get flood insurance in Hilo?
Standard NFIP policies have a 30 day waiting period before coverage begins. Private flood insurance may have shorter waiting periods. An agent can help you plan ahead to avoid gaps in coverage.
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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.