As a surprising aside, I found that homeowner's insurance in Hawaii covers "destruction of house due to lava" but not "destruction of the entire area around house, but not house due to lava".
There are people who have no roads, water, sewer or electric because their house was turned into an island by lava flows - and they have no recourse to do anything with their property (that they sometimes cannot even get to any more).
There are people who have no roads, water, sewer or electric because their house was turned into an island by lava flows - and they have no recourse to do anything with their property (that they sometimes cannot even get to any more).