WeVote
Log In

Bill

WeVote Research Nonpartisan
Bill Summary · HB 20

Legislative bill overview

HB 20 addresses insurance coverage for properties located in lava hazard zones in Hawaii. The bill, introduced by Representative Greggor Ilagan, has advanced through committee with recommended amendments after receiving a 7-2 vote in favor from the Consumer Protection and Commerce (CPC) Committee in February 2026.

Why is this important

Hawaii's volcanic activity creates significant insurance challenges for homeowners and property owners in lava-prone areas, as private insurers often refuse coverage or charge prohibitive rates in these zones. This legislation aims to establish clearer insurance requirements or protections for residents in lava hazard zones, directly affecting housing affordability and property values in vulnerable communities across the islands.

Potential points of contention

  • Insurer burden vs. consumer protection: Mandating coverage in high-risk lava zones may increase costs for insurers, potentially raising premiums statewide or reducing market competition
  • Moral hazard concerns: Guaranteed or subsidized insurance in high-risk areas could incentivize development in volcanically active zones rather than encouraging safer building practices
  • Fiscal impact on state: If the bill creates a state insurance backstop or subsidy program, taxpayers may bear costs for private property protection in inherently risky locations

Compiled from official sources — confirm details with the bill’s official record.

Sign in to ask a question.