Enter any Hawaii address to see its FEMA flood zone designation
Hawaii's flood risk is characterized by a high frequency of flash flood events, which have accounted for the majority of recorded incidents and fatalities over the past 30 years. While flash floods dominate in terms of event numbers, other flood types, including tropical storms and hurricanes, also contribute to the state's vulnerability.
Recent federal disaster declarations highlight the ongoing impact of severe storms and flooding across the islands, with multiple declarations for severe storms, flooding, and landslides. Notably, Hurricane Douglas was declared a disaster in 2020, underscoring the threat posed by tropical cyclones. These events can affect both coastal and inland areas, impacting communities statewide.
National Flood Insurance Program (NFIP) claims data indicates that properties in FEMA Zone A have received the highest total payouts, suggesting significant flood losses in these areas. However, substantial claims have also been paid in Zone X and Zone V, indicating that flood risk is not confined to the most commonly designated high-risk zones. Residents in all zones, including those designated as X_UNSHADED, should consider flood insurance, as surprise claims occur across various FEMA flood risk categories.
Summary generated from FEMA disaster declarations, NOAA storm events, and NFIP claim data. Updated quarterly.
Source: OpenFEMA NFIP Claims, Policies, and Disaster Declarations data.
Hawaii has received 110 federal disaster declarations, including 15 flood and coastal storm declarations and 10 hurricane declarations.
FEMA designates flood zones across Hawaii using the following classifications:
AE High Risk — 1% annual chance of flooding (100-year floodplain). Insurance required for federal mortgages.
VE Very High Risk — Coastal flooding with wave action. Strictest building codes.
X (Shaded) Moderate Risk — 500-year floodplain. Insurance recommended.
X Low Risk — Outside major floodplains. Insurance optional but advisable — from 2014 to 2024, nearly one-third of NFIP claims came from outside high-risk zones.
Properties in Hawaii FEMA-designated Special Flood Hazard Areas (zones A and V) with federally backed mortgages are required to carry flood insurance through the National Flood Insurance Program (NFIP).
The average NFIP premium in Hawaii is approximately $2,219 per year. Rates vary significantly based on flood zone, building elevation, and coverage amount.
Even outside high-risk zones, flood insurance is recommended. From 2014 to 2024, nearly one-third of NFIP claims came from properties outside the high-risk Special Flood Hazard Area. Hawaii residents can purchase flood insurance through the NFIP or private insurers.
Visit FloodSmart.gov to find an agent and get a quote.
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