Flood Insurance
The National Flood Insurance Program (NFIP) is a federal program enabling property owners in participating communities to purchase flood insurance protection against losses from flooding. The Federal Emergency Management Agency (FEMA), which administers the NFIP, makes flood insurance available to residents in local communities that adopt and enforce floodplain management ordinances designed to reduce future flood damage.
All four of Hawaii’s counties are participating communities in the NFIP and have adopted floodplain development regulations consistent with 44CFR§60.3. The benefit that Hawaii counties receive by being a participating community in the NFIP is that Federal subsidized flood insurance is made available as is disaster aid in the event of a Presidential declared disaster.
Last Updated: 9/30/25