Building in a Lava Zone: What Big Island Homeowners Should Know

The Big Island is divided into lava zone classifications (1–9) that reflect volcanic hazard risk. Zone 1 has the highest risk; Zone 9 the lowest. Lava zones can affect insurance, lending, and sometimes permit or building requirements. If you’re building or remodeling in a lava zone, know your zone and how it may impact your project.

How Lava Zones Are Defined

The U.S. Geological Survey and Hawaii County use lava zone maps to classify risk based on eruption history and lava flow coverage. Zone 1 is the most hazardous; Zone 9 is the least. Your property’s zone is often noted on tax maps or in real estate documents. Lenders and insurers use these zones when evaluating risk.

Insurance and Lending

Insurance and mortgages can be harder or more expensive in higher-risk lava zones. Some insurers limit or decline coverage in Zone 1 or 2. If you’re buying or building in a lava zone, confirm insurance availability and lending requirements early.

Building and Remodeling in Lava Zones

Permit and building rules are set by Hawaii County; lava zone classification may affect certain requirements or disclosures. A local contractor can help you understand what applies to your lot and project. For a general overview of permits, see our building permits guide. For new additions, see our room additions guide.

Frequently Asked Questions

What lava zone is my property in? Lava zone maps are available through the U.S. Geological Survey and Hawaii County. Your zone may also appear on tax records or in your purchase documents.

Can I build or remodel in lava Zone 1 or 2? Building and remodeling are often possible, but insurance and lending can be more limited or costly. Check with your insurer and lender, and with Hawaii County for permit and building rules.

Does Big Island Remodel work in lava zones? We serve the Big Island including areas in various lava zones. Contact us for a free bid; we can discuss your site and project. Visit our Get a Free Bid page to start.

Ready to Start Your Project?

Get a free bid from Big Island Remodel. We’ll discuss your site, zone, and goals. Visit our Get a Free Bid page to begin.

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