FLOOD ZONES & NATURAL DISASTER INFORMATION IN HAWAII
When purchasing a home in Hawaii, it is important to know what Hawaii flood zone the home is in and the implications of the flood zone designation. What are the risks of flooding and how can you mitigate those risks? Is mandatory flood insurance required and where can you get mandatory flood insurance in Hawaii?
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Flood Zones in Hawaii Under the FEMA Definitions for Flood Zone Designations:
See the Flood Map Legend to the right for additional detail. Oahu FEMA Flood MapsFEMA is currently revising the Flood Zone Maps in Hawaii, so we can expect some things to change over the next year. Flood Insurance in Hawaii Flood Insurance may be advisable for certain Flood Map Zones and federally regulated lenders REQUIRE Flood Insurance to purchase any home in areas designated as a Special Flood Hazard Area (SFHA). A home is considered to be in a SFHA when there is a least a one percent chance of a flood equal to or exceeding the base flood elevation (a 100-year flood) in any given year. Thus, during the life of a 30-year mortgage loan, the risk of flooding for a home in an SFHA is at least 26 percent. To find out about whether Mandatory Flood Insurance is required, please check with your lender. You can also review the NFIP Mandatory Purchase of Flood Insurance Guidelines for more detailed information about to whom the Mandatory Flood Insurance Guidelines apply (Page 23). Flood Insurance is NOT part of your regular standard Homeowner's Insurance Policy. To find out about the costs and availability of Flood Insurance, please check with your Hawaii Insurance Agent. Contact me and I can recommend a good agent. For More information on the National Flood Insurance Program (NFIP), please go to the following sites: FEMA Flood Insurance Information FloodSmart.gov - The Official Website for the NFIP Other Natural Disaster Information Hawaii State Civil Defense Website - Has information about Tsunamis , Floods & Other Natural Disasters in Hawaii, Evacuation & Disaster Preparedness, etc. Mother Nature Hawaii - Hawaii Hazard Mitigation Forum Website - Oahu Hazard Mitigation - Identify risk and protect your Oahu home from natural disasters |
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