HONOLULU: A single mother of two, Amy Chadwick spent years scrimping and saving to buy a house in the town of Lahaina on the Hawaiian island of Maui. But after a devastating fire leveled Lahaina in August last year and reduced Chadwick's home to white dust, the cheapest rental she could find for her family and dogs cost $10,000 a month.

Chadwick, a fine-dining server, moved to Florida, where she could stretch her homeowners insurance dollars. She's worried Maui's exorbitant rental prices, driven in part by vacation rentals that hog a limited housing supply, will hollow out her tight-knit town.

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