FEMA’s new Flood Insurance Rate Maps now effective for O‘ahu
The Federal Emergency Management Agency (FEMA) works with communities across the country to identify flood hazards and promote ways to reduce impacts and risks. FEMA recently studied numerous streams across O‘ahu and released a preliminary revision to Oʻahu’s Flood Insurance Rate Maps (FIRMs). These updated maps became effective June 10, 2026, and provide critical new insights into evolving flood risk across the island. As a result of FEMA’s update to the FIRMs, you may find the designated risk of flooding around your property has changed. If you’re newly mapped into high-risk flood area, you may be impacted by requirements for flood insurance, permitting, and building regulations.
Click the button below to learn more about the FIRM update, watch the virtual open house, check if your flood zone changed, and explore resources.
Kona Low Storm Recovery
The Resilience Office is actively working to support residents as they recover from the impacts of the March 2026 Kona Low flooding. City departments and partner agencies are collaborating to assess damage, address safety concerns, and connect residents with available assistance. Visit the City’s website below for updated information and resources.
O‘ahu Flood Risk Survey Results
The Resilience Office conducted the O‘ahu Flood Risk Survey between February and March 2024, and a total of 1,046 residents across Oʻahu participated. The survey sought to better understand residents’ awareness of flood risk, knowledge of flood insurance, and experience with flooding events. Results will be used to inform enhanced City outreach and education to improve community flood awareness and resilience island-wide, including the benefits of flood insurance.
Want to know more about your potential flood risk? Check out the Flood Hazard Assessment Tool.
Understand the Risk
Anywhere it rains, it can flood. Anywhere near the coast, it can flood too. In fact, everyone lives in a flood zone.
Find out more about how to determine flood risk in your area.
Insure My Property
Standard homeowners’ and renters’ insurance does NOT cover flooding.
Flood insurance covers your home AND your belongings from flooding incidents regardless of the cause, helping you recover faster and more fully after a disaster.
The National Flood Insurance Program typically has a 30-day waiting period before coverage starts, unless the property is newly mapped into the SFHA. Plan ahead to save what you love!
Stay Flood Safe
When faced with a flood: Turn around, don’t drown!
Here’s what to do if you, your car, or your home starts to flood.
Prepare My Home
Build Responsibly
Mālama ‘Āina
Repetitive Loss Area Analysis
The RLAA is an in-depth look at areas that have experienced multiple flood insurance losses in the past. The RLAA offers flood mitigation actions for individual buildings or areas, in contrast to community-wide approaches presented in the City’s Hazard Mitigation Plan or other floodplain management plans. The City and County of Honolulu developed an RLAA for more comprehensive flood risk reduction and in preparation of an application to join the Community Rating System (CRS) under FEMA’s National Flood Insurance Program (NFIP).