How are home insurance rates in hawaii?

I'd like to buy close to the water (would be impacted by hurricanes). FLA is ridiculous now-cant get insurance near the water for entire home value. Thought Hwi might be better since they dont get hit so much.

Insurance here is pretty high, but then again, everything is. You HAVE to buy hurricane insurance (can't think of a number off the top of my head).

The islands are so small that it doesn't matter where you are, the hurricanes will affect you no matter what. We've only had 2 hit as hurricanes since the 60's.

Well, they have the whole volcano thing going on. Plus, Hawaii has incredibly high property values, so you're looking at much higher limits.

Bottom line, although the actual RATE might be lower, the DOLLAR amount is likely to be almost as high, and the houses are going to cost you WAY more. Just check out the values, at www.realtor.com.