NAICS 52

Finance and Insurance in Hawaii: 2026 Market Risk Report

Entry risk 37.0 (Moderate), ranked #1 of 51 states. 2,006 establishments, 14,936 jobs.

Entry Risk Assessment

Entry Risk Score 37.0
Low 0-30
Moderate 30-42
Elevated 42-55
High 55+
Moderate

ⓘ Lower is better. Relative to national finance and insurance average.

⛔High Barrier to Entry🛡️Stable Market

Hawaii exhibits structural stability in finance and insurance, with volatility at 4.5 and firm retention ranking in the top 10. These metrics suggest lower cyclical risk compared to the national baseline.

5-Year Firm Retention
82.3%
Percentile within industry
Rank #10 of 51 states
Growth Momentum
12.4
Scale of 0-100
Rank #43 of 51 states
Establishment Density
9.2
vs. national average
Rank #3 of 51 states
Market Volatility
4.5
Lower is more stable
Wage Pressure Index
49.5
Labor cost pressure

2,006 Establishments in Hawaii

2,006
Establishments
+4.0% YoY
14,936
Total Employment
-1.7% YoY
$97,829
Average Annual Wage
+3.9% YoY

Hawaii vs National Finance and Insurance Average

How Hawaii's finance and insurance market compares to the national average across all 51 states.

Metric HI National Difference
Entry Risk Score 37.0 51.9 -14.9
5-Year Retention 82.3% 51.0% +31.3
Growth Momentum 12.4 34.4 -22.0
Market Volatility 4.5 9.6 -5.1
Establishment Density 9.2 42.5 -33.3
Wage Pressure 49.5 66.8 -17.3

Green = favorable vs national average. Red = less favorable. Metrics are relative within finance and insurance only.

Hawaii Ranks #1 of 51 for Finance and Insurance

Hawaii ranks #1 out of 51 states for finance and insurance market entry conditions.

Finance and Insurance Entry Risk by State

Rank State Risk Score Classification
#1 Hawaii You 37.0 moderate
#2 West Virginia 39.8 moderate
#3 Kentucky 40.0 moderate
#4 Rhode Island 41.9 moderate
#5 Maine 42.0 elevated
Entry Risk by State Alaska — 49.7 · #21 Alabama — 48.4 · #18 Arkansas — 44.7 · #7 Arizona — 52.6 · #29 California — 46.9 · #12 Colorado — 67.3 · #50 Connecticut — 73.7 · #51 District of Columbia — 47.9 · #13 Delaware — 57.7 · #44 Florida — 61.9 · #46 Georgia — 56.4 · #40 Hawaii — 37.0 · #1 Iowa — 54.3 · #35 Idaho — 56.2 · #39 Illinois — 46.2 · #10 Indiana — 45.4 · #9 Kansas — 57.0 · #42 Kentucky — 40.0 · #3 Louisiana — 42.0 · #6 Massachusetts — 48.2 · #15 Maryland — 52.6 · #30 Maine — 42.0 · #5 Michigan — 49.8 · #23 Minnesota — 46.6 · #11 Missouri — 57.7 · #43 Mississippi — 54.5 · #36 Montana — 59.0 · #45 North Carolina — 48.4 · #17 North Dakota — 52.1 · #28 Nebraska — 49.4 · #20 New Hampshire — 49.8 · #22 New Jersey — 53.2 · #32 New Mexico — 53.1 · #31 Nevada — 55.6 · #38 New York — 65.4 · #49 Ohio — 48.2 · #14 Oklahoma — 64.9 · #48 Oregon — 56.7 · #41 Pennsylvania — 48.8 · #19 Rhode Island — 41.9 · #4 South Carolina — 48.4 · #16 South Dakota — 50.1 · #24 Tennessee — 53.4 · #33 Texas — 50.4 · #25 Utah — 51.9 · #27 Virginia — 50.8 · #26 Vermont — 53.6 · #34 Washington — 55.5 · #37 Wisconsin — 45.3 · #8 West Virginia — 39.8 · #2 Wyoming — 62.0 · #47
Low Moderate Elevated High

Tap a state to view details

About Entry Risk Score: A weighted composite of firm retention, growth momentum, market volatility, establishment density, and wage pressure. Lower scores indicate more favorable conditions. Read full methodology →

Data Sources

Data period: 2024. Last updated: February 2026. Next refresh expected: Q2 2026 (BLS QCEW update).

Compare to Another State

How does Hawaii stack up against other states for finance and insurance?

Select a state above to see the comparison

Other Industries in Hawaii

Construction → Healthcare and Social Assistance → Retail Trade → Accommodation and Food Services → Professional, Scientific, and Technical Services → Real Estate and Rental and Leasing → Administrative and Support Services → Information → Other Services →