New Flood Insurance Rate Maps for
Kauai and Oahu May Affect Flood
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,
www.floodsmart.gov 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
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.