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

FEMA Releases Phase I Implementation Plan on the Homeowner Flood Insurance Affordability Act (HFIAA)

On April 15, 2014, FEMA issued WYO Bulletin 14014 which describes the termination of full risk-rating for all types of Pre-Flood Insurance Rate Map (FIRM) properties covered by Section 3 of the HFI...
Posted: April 15, 2014, 6:00 pm

FEMA Releases Additional Details on the Homeowner Flood Insurance Affordability Act

On March 21, 2014, President Obama signed the Homeowner Flood Insurance Affordability Act into law. Today, April 3rd, FEMA has issued a WYO Bulletin and Overview informational document that provid...
Posted: April 3, 2014, 8:26 pm

President Obama signs Homeowner Flood Insurance Affordability Act into Law

On March 21, 2014, President Obama signed the Homeowner Flood Insurance Affordability Act into law.  This law repeals and modifies certain provisions of the Biggert-Waters Flood Insurance Reform Ac...
Posted: March 21, 2014, 10:04 pm

Makaha Flood Study Community Meeting

The Makaha Valley Flood Study community meeting will be held on Tuesday, March 25, 2014 from 7:00 pm – 8:30 pm at the Waianae District Park.   This study is aimed at proposing solutions to address ...
Posted: March 21, 2014, 3:51 am