New Flood Insurance Rate Maps for Kauai and Oahu May Affect

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					                                                     New Flood Insurance Rate Maps for
                                                     Kauai and Oahu May Affect Flood
                                                     Insurance Requirements
 Useful Links

Hawaii Flood Hazard
Assessment Tool                                     Flooding is the most frequent and costly natural disaster in the United States. The risk for flooding
                                                    changes over time due to erosion, land use, weather events and other factors. The likelihood of inland,
                                                    riverine and coastal flooding has changed along with these factors.

                                                    The Federal Emergency Management Agency (FEMA) has completed a re-examination of the County of
                                                    Kauai and the City and County of Honolulu’s flood hazards along the southern coastline of these islands
                                                    and have developed detailed, digital flood hazard maps.

                                                    New Flood Insurance Rates Maps that will incorporate these studies are scheduled to become effective
                                                    on November 26, 2010 for the County of Kauai and January 19, 2011 for the City and County of Hono-

Saving on Flood Insurance:                          How will these changes affect you?
Information on NFIP's                               If you have a mortgage from a federally-regulated lender and the building(s) are within the Special Flood
Grandfathering Rules                                Hazard Area, then by federal law, your lender must require you to carry flood insurance when these
                                                    flood maps become effective. Flood insurance is available through the National Flood Insurance Pro-
                                                    gram (NFIP), a federally underwritten program provided by nearly 100 insurance companies and written
                                                    through licensed insurance agents.

                                                    If you do not have a mortgage, it is still recommended that you purchase flood insurance. Over the life
                                                    of a 30-year loan, there is about a three times greater chance of having a flood in your home than having
                                                    a fire and most homeowners insurance policies do not provide coverage for damage due to flooding. For
                                                    more information on flood insurance, visit the National Flood Insurance Program’s website,
                                           or contact your insurance agent.

                                                    Where to go for more information?
                                                    The City and County of Honolulu and the County of Kauai will be holding several public meetings to
                                                    educate residents and business owners on the upcoming map changes and how they will affect property
                                                    owners. FEMA’s engineer, planner, and flood insurance specialist, along with staff from the Department
                                                    of Land and Natural Resources, will be available to answer questions and assist in property owners in
                                                    determining their flood risk.

                                                    These meetings are scheduled to be held on the following dates:
                                                    To find out more details on the meeting time and location, please contact:
                                                     County                           Date               Time                    Location
                                                     City & County of Honolulu        August 24, 2010     4:30 pm-8:00 pm        Ala Wai Golf Course
FloodSmart.Gov                                                                                                                   Clubhouse
                                                     County of Kauai                  August 25, 2010     4:30 pm-7:00 pm        Kapaa Middle School
                                                     County of Kauai                  August 26, 2010     9:00 am-12:00 pm       Lihue Neighborhood Center
                                                     County of Kauai                  August 26, 2010     4:30 pm-7:00 pm        Koloa Neighborhood Center

                                                              City & County of Honolulu:         Mr. Mario Siu-Li at (808) 768-8098
                                                              County of Kauai:                   Ms. Wynne Ushigome at (808) 241-4890

                                                    To preview the new maps, use the Hawaii Flood Hazard Assessment Tool at:

                                                    To learn about lower-cost “grandfathering” flood insurance options offered by the NFIP for properties
                                                    being mapped into higher-risk areas for the first time, be sure to attend the public meetings or contact
                                                    your insurance agent.

                                                    Updated: 8/3/2010

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