Flood Insurance

The National Flood Insurance Program (NFIP) aims to reduce the impact of flooding on private and public structures. It does so by providing insurance to property owners, renters and businesses and by encouraging communities to adopt and enforce floodplain development regulations. These efforts help mitigate the effects of flooding on new and improved structures.

Weke Road flood damage from Hanalei River flooding (April 2018)

All four of Hawaii’s counties are participating communities in the NFIP and have adopted floodplain development regulations consistent with 44CFR§60.3 (Copies of local floodplain development regulations can be found on the FLOODPLAIN MANAGEMENT page). The benefit that Hawaii counties receive by being a participating community in the NFIP is that Federal subsidized flood insurance is made available as is disaster aid in the event of a Presidential declared disaster.

Flood Insurance premiums are based on several underwriting criteria.  For structures built after Hawaii counties joined the NFIP in the early 1980’s (see table below for each county’s regular program entry date), they were mandated (at a minimum) to comply with local floodplain development ordinances if they were built in a Special Flood Hazard Area (A, AO, AH, AE, V, or VE zones).  However, all counties have adopted varying regulations that go above and beyond the minimum regulations set forth in Title 44 of the Code of Federal Regulation §60.3 such as regulating development outside of the SFHA if adjacent to drainage facilities, and adopting a cumulative substantial improvement provision, to name a few.

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This FLOOD INSURANCE page is provided for informational and planning purposes.  Property owners should always consult with an insurance agent for flood insurance premium quotes specific to your building and personal contents.

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Note: Estimated annual premiums shown in the table above are based on the 10/1/18 FEMA Flood Insurance Manual assuming $250K building (only) with standard deductibles ($1,250) for a single family residential structure with no basement or enclosure.  Elevation Certification required for Post-FIRM rates.  These estimates are for informational purposes. For current and accurate quotes, contact your insurance agent.

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