Before you plan to travel or visit Hawaai, You should know When is hurricane season in Hawaii for you and yours safety.

The hurricane season typically starts at the beginning of June and runs through the 30th of November each year. It is reported that the National Oceanic and Atmospheric Administration (NOAA) has reported an 80 percent chance of the possibility of a “below-normal” Central Pacific hurricane season in 2024. Experts predicted between two and five tropical storms or hurricanes to be expected during this Central Pacific hurricane season. The 2024 predictions for the Central Pacific hurricane season have yet to be made public.

While typically covered by homeowners ‘ insurance, storm-related wind damage is usually not covered for homeowners living in Hawaii. That means that if you reside within Hawaii, also known as the Aloha State, you may have to buy additional hurricane and flood insurance to protect yourself against storm damage.

When is hurricane season in Hawaii in 2024?

Hurricane season in Hawaii generally runs from June to November, with the peak occurring in August and September. However, it’s important to note that hurricanes are relatively rare in Hawaii, and it’s generally considered a safe destination to visit year-round. It’s always a good idea to check the weather forecast and be prepared for any potential storms before traveling to Hawaii during the hurricane season.

What is the best month to go Hawaii?

The best month to visit Hawaii depends on your preferences. If you’re looking for warm weather and clear skies, the summer months of June through August are the best time to visit. If you’re looking for fewer crowds and lower prices, the fall months of September through November are a good option. However, if you’re looking for the best weather conditions and comfortable temperatures, April, May, or October are the best months to visit Hawaii.

Which month of the year does Hawaii have the most storms?

The Hawaiian islands are the most susceptible to hurricanes and tropical storms between July and September. The last major hurricane that was able to cause catastrophic damage to direct islands in the Hawaiian Islands was Hurricane Iniki in September 1992. The storm was categorized as a Category—Hurricane, which generated more than $3 billion in damages. 

Hawaii frequently is affected by tropical storms, which are a little weaker than hurricanes that occur during August and September.

Which areas are hit by hurricanes the most? Hawaii?

Since Hawaii is comprised of islands, many areas are at risk of destruction by tropical and hurricanes. Kauai, the island that is Kauai, was directly struck by Iniki’s Hurricane Iniki in 1992. experts estimate that close to 15,000 homes were destroyed or damaged. Oahu was also impacted by storm-related damage.

Maui, the second-largest Hawaiian island, hasn’t been directly affected by a hurricane for more than 100 years. But tropical storms typically result in the rain that can result in wind and flood destruction. Tropical Storm Olivia is an example. It struck Maui in September of 2018 and caused heavy rain and trees to be blown down.

The Big Island is also in danger of damage from hurricanes. The year was August 2018. It was a case of a hurricane named Lane striking Hawaii. Lane was weakened to a tropical storm when it made its way to Hawaii. However, it still caused 19 inches of rainfall on Hawaii’s Big Island, causing major flooding and significant property damage. 

How can you prepare for the season of hurricanes in Hawaii?

The fact that you live in Hawaii means that tropical storms are an integral regular part of everyday life. It would be best if you were prepared in case of a devastating Tropical storm or hurricane. Here are a few tips you can do before, during, and after the storm.

Before the storm

  • Make sure you have an emergency plan in place
  • Make an emergency kit that contains enough items to last a minimum of 14 days
  • Join us for our alerts for emergency storms in your country or community alerts
  • Purchase hurricane insurance
  • Be aware of your home’s risk for flooding and buy flood insurance
  • Plan an evacuation route

Amid a storm

  • Make sure you are aware of emergency and weather alerts.
  • Do not drive in the flood waters
  • Keep your distance from glass and windows.
  • You might find open covers through the Red Cross if you need shelter.

After the storm

  • Take note of local officials’ opinions on security precautions and what you should do next.
  • Beware of areas with flooding.
  • Protect yourself by wearing protective clothing when taking care of your house
  • Contact your flood and hurricane insurance provider if you’ve suffered the possibility of damage to your home
  • Photograph the damage to your property so that you can record the damage

The importance of insurance considerations during the hurricane season in Hawaii

In Hawaii, most homeowners insurance companies do not provide coverage for damages caused by hurricanes. This means that you need to own a homeowners insurance policy, and if a storm damages your house, be able to submit claims to repair the damage. When you purchase home insurance, ensure that you inquire from the insurer about whether hurricane coverage is covered. Here’s how to handle it should it not be.

Purchase windstorm insurance

In Hawaii, Wind damage isn’t covered under homeowners insurance. To compensate for this lack of protection, you’ll have to buy windstorm insurance, also known as hurricane insurance. Windstorm insurance safeguards your home from hurricane winds, such as if an extreme storm tears off your roof. Remember that windstorm insurance doesn’t provide coverage for flood damage or water. Flood insurance is required for this.

Purchase flood insurance

There is no way that hurricane insurance or home insurance policies offer insurance for flood damage. To be secure from the frequent flooding in Hawaii, you’ll require flood insurance. You can get flood insurance from the National Flood Insurance Program (NFIP) — a FEMA-backed entity, and through privately-owned flood insurance firms.

Hawaii has a different insurance policy for storm damage.

If a hurricane destroys your house in Hawaii and you are a homeowner, your insurance deductible for hurricanes will be activated. This is distinct from your regular homeowners ‘ insurance deductible and is usually specified as an amount of your policy’s limit for dwelling coverage -generally between 1 and 5 percent. Choose the deductible at the time you buy your windstorm insurance policy. A higher deductible will result in lower rates for insurance and vice versa.

Frequently asked questions

Is it safe to travel to Hawaii during the hurricane season? 

Traveling to any place can come with unexpected weather risks. If you’re traveling to Hawaii during hurricane season, it’s important to check local weather updates for the island you’re visiting. Ensure you subscribe to local government official alerts and updates to stay informed.

How often does Hawaii affect by storms? 

Hurricanes don’t directly hit Hawaii all that often. However, the islands do experience tropical storms and heavy winds. Experts were predicting a below-average hurricane season for Hawaii in 2024.

Have you ever seen a hurricane hit Oahu?

Direct strikes to Oahu have not been commonplace in recent years, but Oahu still suffers destruction from storms. For instance, Hurricane Iniki in 1992 didn’t directly strike Oahu. However, Oahu still suffered damage.

Categories: Blog

1 Comment

Chris · 29 March 2024 at 22:42

Man, Hawaii’s storm insurance policy is wild. It’s like they’re on a whole other level of preparedness compared to us mainlanders.

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