Flood Hazard Assessment
Know your zone · FEMA flood maps for all islands
Preparedness · know before the rain
Is your home, school, or workplace in a flood zone?
The FEMA National Flood Hazard Layer marks areas with a 1% or 0.2% annual chance of flooding. Search your address below.
Flood hazard map
FEMA NFHL · search your address
Understand FEMA flood zones
What the shading means on the map
High-risk with BFE
1% annual chance flood (the 100-year floodplain). Base Flood Elevations are defined. Mandatory flood insurance if federally backed mortgage.
High-risk, no BFE
1% annual chance flood without detailed study. Base Flood Elevation not determined. Same insurance requirements as AE.
Coastal high-hazard
Coastal areas exposed to wave action. Building codes require elevation on pilings and additional structural requirements.
Moderate risk
0.2% annual chance flood (the 500-year floodplain), or areas protected by levees. Insurance optional but recommended.
Minimal risk
Above the 500-year floodplain. Low risk, but flash floods can occur anywhere in Hawai‘i.
Flood safety reminders
Flash floods in Hawai‘i can develop in minutes
Turn around, don’t drown
6 inches of moving water can knock you down. 12 inches can float most vehicles.
Never drive through flooded roads
Water may be deeper than it looks and the road underneath may be washed out.
Elevate utilities
Move furnaces, water heaters, and electrical panels above expected flood levels.
Flood insurance is separate
Standard homeowners policies don’t cover floods. NFIP policies take 30 days to activate.
Resources
Official flood maps, insurance & preparedness
Official national flood zone lookup
Get a flood insurance quote
State-level flood risk viewer
Before, during & after a flood
Real-time forecast flood inundation
Family emergency plan