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 NFIP Coordinator that should be consulted for building permit related questions.

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

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

Standford Iwamoto, P.E. 
County of Kauai NFIP Coordinator
(808) 241-4896

Carolyn Cortez, CFM
County of Maui NFIP Coordinator
(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 – July 2014

In this quarter’s newsletter: Hawaii Climate Adaptation Initiative Act (Act 83) Sea-Level on the Rise NOAA Sea-Level Rise Viewer When Retreat is the Best Option: Flood Insurance After Biggert Water...
Posted: July 21, 2014, 7:12 pm

October 1, 2014 Program Changes – Section 5 of the HFIAA

On May 29, 2014, FEMA issued WYO Bulletin 14026. The purpose of this memorandum is to provide notification of program rate changes the NFIP will implement effective October 1, 2014. The October 1, ...
Posted: May 29, 2014, 9:16 pm

Wai Halana – April 2014

In this quarter’s newsletter… Homeowner Flood Insurance Affordability Act Elevation Certificates – Do I Really Need One Now? Calculating the Net Area of Flood Openings Coming Soon: Updated FIRMs fo...
Posted: April 30, 2014, 9:30 pm

Updates to Phase I Implementation Plan of the Homeowner Flood Insurance Affordability Act

On April 24, 2014, FEMA issued WYO Bulletin 14016 which updates Attachment A – Summary of Phase I Implementation of the Homeowners Flood Insurance Affordability Act of 2014 – that was previously is...
Posted: April 24, 2014, 5:37 pm