There are nine (9) lava zones on Hawai’i Island (Big Island) and four (4) on Maui. The higher zones have less risk associated with them, but often a higher price for homes and land.

While lava zone one and two can have lower priced homes and land, they can also have a higher cost of insurance–sometimes double. There is also a limit of assessed value that can be covered by insurance in these two zones.

Did you know most of Hawai’i Island is from lava that flowed over 500,000 years ago? With that said, most of the southern half is less than 5,000 years old, as Kīlauea and Mauna Loa are two of the world’s most active volcanoes?!

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Keep in mind, USGS states Haleakalā erupts far less frequently than either Mauna Loa or Kīlauea, so zone 1 on Maui has a lower risk than zone 1 on Big Island.

For more information about lava zones, visit USGS.gov.