National Flood Insurance Program

The National Flood Insurance Program (NFIP) is a Federal program, which was established to allow property owners in participating communities to purchase insurance protections against losses from flooding.

Participation in the NFIP is based on an agreement between local communities and the Federal Government that states if a community will adopt and enforce a floodplain management ordinance to reduce future flood risks to new construction and substantial improvements in Special Flood Hazard Areas, the Federal Government will make flood insurance available within the community at a low cost.

The NFIP is administered by the Federal Insurance and Mitigation Administration (FIMA), formerly the Federal Insurance Administration ( FIA) and the Mitigation Directorate, components of the Federal Emergency Management Agency (FEMA).

The Department of Land and Natural Resources (DLNR) has been designated as the State Coordinating Agency responsible for assisting the coordination of the program between the Federal and County agencies in Hawaii.

All four of our Counties are participating Communities in the NFIP and each Community has a representative County Floodplain Manager that should be consulted for building permit related questions.

Mario Siu-Li, CFM
City and County of Honolulu Floodplain Manager
(808) 768-8098

Frank DeMarco, P.E., CFM
County of Hawaii Floodplain Manager
(808) 961-8042

Standford Iwamoto, P.E. 
County of Kauai Floodplain Manager
(808) 241-4896

Carolyn Cortez, CFM
County of Maui Floodplain Manager
(808) 270-7253

In order for FIMA to determine the insurance premium rates, FEMA developed flood hazard rating maps called FIRMs (Flood Insurance Rate Maps). The supporting documentation for the FIRMs are published in the FIS (Flood Insurance Study). Development in Special Flood Hazard Areas, as identified on the FIRMs, are regulated by the NFIP.

The minimum NFIP rules and regulations are set forth in Title 44 of the Code of Federal Regulations. Each Community must also establish local flood hazard ordinances, which may be more stringent than the NFIP regulations.

News and Highlights


Engineering Division, National Flood Insurance Program

The State of Hawai'i, DLNR

Wai Halana – April 2015

In this issue: Tsunami Awareness Month Recognizes 50 Years of Warning Progress What are the Differences Between Tsunami Evacuation Zones and Flood Insurance Rate Maps? Updated “Reducing Flood Losse...
Posted: April 17, 2015, 11:12 pm

Wai Halana – January 2015

In this quarter’s newsletter: I Didn’t Plan to Renovate the ENTIRE House When I Bought It” Required Documentation for Preferred Risk Policies How April 2015 Program Changes Will Affect Flood Insura...
Posted: January 10, 2015, 3:08 am

New FIRM Maps Effective for Honolulu County

Effective November 5, 2014, 12 new FEMA Flood Insurance Rate Map (FIRM) panels for the City and County of Honolulu went into effect.  If you own property within the affected panels, please note tha...
Posted: November 6, 2014, 12:50 am

Comments on Makaha Valley Flood Study Welcome

     On Tuesday, September 23rd a community meeting was held at the Waianae District Park Multi-Purpose Room to share findings from the Makaha Valley Flood Study PUBLIC REVIEW DRAFT REPORT. We woul...
Posted: September 25, 2014, 8:12 pm