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).
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
that should be consulted for building permit related questions.
Mario Siu-Li, CFM
City and County of Honolulu
Frank DeMarco, P.E., CFM
County of Hawaii NFIP Coordinator
Wynne Ushigome, P.E., CFM
County of Kauai NFIP Coordinator
Carolyn Cortez, CFM
County of Maui NFIP Coordinator
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.