FEMA Flood Insurance Rate Maps Update for O‘ahu

Final Flood Insurance Rate Maps (FIRMs) Released

The Federal Emergency Management Agency (FEMA) provides communities with Flood Insurance Rate Maps (FIRMs) to determine flood zones and high-risk flood areas. Since 2019, FEMA has been studying flood risk along numerous streams across Oʻahu, many of which have not been studied before. Using the study’s findings, FEMA released a preliminary update to Oʻahu’s FIRMs.

As part of the FIRMs update process, the preliminary maps underwent a 90-day public appeal and comment period from March 13, 2025 to June 10, 2025. During the appeal period, the public was able to appeal changes to their property’s flood risk designation and provide comments on the maps. With the appeal period closed, FEMA then reviews and resolves all appeals and comments before issuing finalized FIRMs and the Letter of Final Determination (LFD). 

The LFD states the updated FIRMs will become effective in 6-months from the letter, starting a compliance period allowing time for the City and property owners to prepare. During the 6-month compliance period, the final FIRMs will be shared with the community, and the City will update the local floodplain regulations to reflect the map changes. Property owners with a federally-backed loan or mortgage located in the Special Flood Hazard Area will need to obtain flood insurance, as required by their lender, and should familiarize themselves with local flood hazard area ordinances (ROH Chapter 21A). At the end of the 6-month compliance period, the FIRMs become effective, along with all regulatory and flood insurance requirements. For instructions on how to use the viewer, click here.



Get a Discount on Flood Insurance Premiums

Now is a good time to re-evaluate what financial protections you have in place for your home and business. The City participates in FEMA’s National Flood Insurance Program (NFIP) so residents are eligible to purchase flood insurance as financial protection against flood losses. In addition, the City voluntarily participates in FEMA’s NFIP Community Rating System program which provides a 10% discount on flood insurance premiums for NFIP policyholders on Oʻahu based on actions the City has taken to reduce flood risk. In addition to taking steps to make your property more flood resistant, talk to your insurance agent about your flood insurance options. If you need flood insurance and aren’t sure where to start, use the “Insure My Property“ button to view a list of NFIP providers or get an NFIP policy quote and learn more about protecting your home and belongings.

FIRM Update Timeline

Contact

If you have any additional questions or concerns, please contact the FEMA Mapping and Insurance exchange, or FMIX, via FEMA-FMIX@fema.dhs.gov, live chat, or at 1-877-336-2627 (2:00 am to 1:00 pm HST). Self-service options are 24 hours a day, 7 days a week.

Frequently Asked Questions

  • FEMA works with communities across the country to identify flood hazards and promote ways to reduce the impact of those risks and other hazards. The preliminary flood map is a version of the FIRM circulated for community review and comment before it becomes effective.

    FIRMs are official flood maps issued by FEMA showing a community’s flood zones with an applied risk designation based on a variety of factors. High-hazard flood zones, known as Special Flood Hazard Areas (SFHA), show where there’s a 1% annual chance of flooding. While some areas have lower or undetermined risk, there is no such thing as a “no-risk” zone.

    FIRMs are used for floodplain management in the City’s Revised Ordinances of Honolulu (ROH) Chapter 21A, by financial lenders to determine the level of risk a property may face, and if flood insurance is required for a property.

  • Flood risks change over time. Changes can be due to new land uses, community development, or natural forces (changing weather, terrain changes, wildfires, etc.). FEMA works with local communities and uses the latest technology to update and issue flood maps nationwide. Every year, thousands of homeowners and renters across the U.S. experience devastating flood events even though they may not live near a body of water. On Oʻahu, extreme flooding has impacted communities like Waimānalo, ʻĀina Haina, Hawaiʻi Kai, and North Shore in recent years.

    The City is working with FEMA to understand our flood risks and how they may have changed over time. Much of the mapping being revised was produced over 25 years ago. Today’s flood maps are clearer in the risks they show. This aids our community members, property owners, and other stakeholders in taking steps to address flood risks to protect our families, homes and businesses.

  • As the City works with FEMA to update our flood maps, you may find the risk of flooding around your property has changed. This could have impacts on building and flood insurance requirements.

    Now is a good time to re-evaluate what protections you have in place for your home or business. In addition to taking steps to make your property more flood resistant, talk to an insurance agent about flood insurance options based on any flooding-related changes that could potentially be putting your property more at risk.

    Properties newly mapped into a Special Flood Hazard Area: If your property has a federally-backed mortgage, you will be notified by your lender once the FIRMS are effective if you are subject to the mandatory flood insurance purchase requirements. . The City and County participate in the NFIP Community Rating System making residents eligible for a 10% reduction on annual full risk rated NFIP policy premiums. You may also qualify for the NFIP's one-time Newly Mapped Discount. Check with your insurance agent to see if you qualify. These discounts are not available for non-NFIP private flood insurance policies.

  • Properties newly mapped into a Special Flood Hazard Area: If your property has a federally-backed mortgage, you will be notified by your lender once the FIRMS are effective if you are subject to the mandatory flood insurance purchase requirements. . The City and County participate in the NFIP Community Rating System making residents eligible for a 10% reduction on annual full risk rated NFIP policy premiums. You may also qualify for the NFIP's one-time Newly Mapped Discount. Check with your insurance agent to see if you qualify. These discounts are not available for non-NFIP private flood insurance policies.

    Properties newly mapped out of a Special Flood Hazard Area into a low to moderate risk flood zone: If your structure has a federally-backed loan, your lender, at their discretion, may remove the mandatory purchase requirement. Talk to your insurance agent about your changed flood risk and insurance options. Consider protecting yourself with flood insurance. NFIP insurance premiums are determined based on your property’s unique flood risk, regardless of zone. Flooding can happen anywhere on O'ahu and having flood insurance enables folks to recover faster.

  • No, flood damage is not typically covered by standard homeowner’s or renter’s insurance policies. Flood insurance is available for homeowners and renters through the NFIP or private insurance providers. Homeowners can obtain a flood insurance policy that includes building and contents coverage. Renters can obtain a flood insurance policy to cover contents. NFIP coverage for individual condominium units and condo associations is also available. Talk to your local insurance agent for more information.

  • Yes, if you believe your property has been incorrectly designated as a high-risk area, FEMA has a process allowing property owners to appeal the designation of their property through either a Letter of Map Amendment (LOMA) or Letter of Map Revision (LOMR). Note that while the LOMA/LOMR is being reviewed, the current FIRM designation will be effective. To learn more about these processes, visit FEMA’s LOMA/LOMR information page.

Letter of Map Amendment and Letter of Map Revision

If you were unable to submit an appeal during the appeal process, residents can work with FEMA to potentially change their FIRM designation at any time through processes called Letter of Map Amendment (LOMA) or Letter of Map Revision (LOMR). While the LOMA/LOMR is being reviewed, the current FIRM designation will be effective.

FEMA has announced plans allowing NFIP policyholders to pay their premiums in monthly installments rather than a single annual lump sum. This new rule is effective Dec 31, 2024 and the monthly payment option will be available for new or renewed policies starting October 2025. Traditionally, NFIP premiums have been due all at once each year – this new option reflects a shift in FEMA’s approach to be more flexible and reduce the financial strain a large annual bill can create. Click here for more details on the installment plan.

If you aren’t sure where to get started, click the “Get a Quote” button to check out FEMA’s Direct-to-Consumer online quoting tool. This tool allows homeowners and renters to create an NFIP flood insurance quote based on your property’s address and simple characteristics of your home. The tool uses the same risk rating engine insurance agents use, and allows you to add in flood risk mitigation measures to see what discounts these measures could provide to your premium. These quotes can be shared with your current or future insurance agent, but you should always talk with an agent to confirm you have the best coverage for you and that the input information used to obtain your quote is correct. 

Need flood risk resources in a different language? Find resources here!

Learn More About FIRMs

What Actions Can You Take? 

Carefully examine the new flood map to understand if and how your property is affected. 

  • Watch the Virtual Open House recording to learn more about the preliminary map revisions or email FEMA to ask questions. 

  • If you believe the new flood hazard determinations are technically incorrect, learn more about submitting a Letter of Map Amendment or Letter of Map Revision to FEMA. 

  • Now is a good time to re-evaluate what financial protections you have in place for your home and business. In addition to taking steps to make your property more flood resistant, talk to your insurance agent about flood insurance options. 

Flooding occurs naturally and can happen almost anywhere at anytime. According to a 2024 City survey, one in three Oʻahu residents have first- or second-hand experience with flooding. Between 2018 and 2023, Oʻahu residents participating in FEMA’s NFIP filed over 360 claims totaling more than $27.4 million in loss and damages. 

FIRMs show how likely it is for an area to flood, and apply a flood zone designation to a location based on a variety of factors that can influence their flooding risk. The FIRMs and the associated Flood Insurance Study report are the basis for Oʻahu’s floodplain management. Below are descriptions of the flood zones most commonly found on Oʻahu. 

  • Special Flood Hazard Areas (Zones A, AE, AEF, AH, AO, V, and VE): areas regulated by the City and considered to have special flood or flood-related erosion hazard risk by FEMA 

  • Flood Zone X: areas not regulated by the City and considered to have minimal flood hazard risk by FEMA 

  • Flood Zone D: areas not regulated by the City and considered to have an undetermined flood hazard risk by FEMA 

While some areas have lower or undetermined risk, there is no such thing as a “no-risk” zone. Additionally, FIRMs may not tell the full story of flood risk. They do not include future impacts from climate change and may not reflect current conditions as communities grow and land use changes. 

Public Outreach

To help the community better understand the FIRM updates and their implications, two Open Houses were held November 4 and 6 where FEMA, City, and DLNR representatives provided information on the FIRM update process, flood risks, potential changes to flood insurance requirements, and steps residents can take to protect their property from flooding. Additional outreach events will be posted here throughout the update process. Updates will also be posted via social media and newsletter.

Virtual Open House November 4, 2024:

Information Stations

To better inform the public, the City is setting up Information Stations in the libraries of the most heavily impacted areas of the island. The Information Stations will have FEMA materials in multiple languages explaining the map changes, what to expect and actions you can take.

  • ʻĀina Haina Public Library — 5246 Kalanianaʻole Hwy, Honolulu, HI 96821

  • Waiʻanae Public Library — 85-625 Farrington Hwy, Waianae, HI 96792

  • Liliha Public Library — 1515 Liliha St, Honolulu, HI 96817

  • Hawaii State Public Library — 1325 Kalihi St, Honolulu, HI 96819

  • Kāneʻohe Public Library — 46-056 Kamehameha Hwy, Kaneohe, HI 96744

  • Kaimukī Public Library — 1041 Koko Head Ave, Honolulu, HI 96816

  • Pearl City Public Library — 1138 Waimano Home Rd, Pearl City, HI 96782

  • Waipahu Public Library — 94-275 Mokuola St, Waipahu, HI 96797

  • Mililani Public Library — 95-450 Makaimoimo St, Mililani, HI 96789