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What Are the Flood Zones in Hawaii? In the State of Hawaii we have multiple flood zones for rainfall. The basic non-coastal zones defined by FEMA are: A, AO, AH, AE, X, XS, and D. Each of these zones has its own peculiarities risks associated with them.
Do I need flood insurance in Hawaii? Only if youre in a Special Flood Hazard Area and have a federally backed mortgage are you required to have flood insurance.
AE zones are areas of inundation by the 1-percent- annual-chance flood, including areas with the 2-percent wave runup, elevation less than 3.0 feet above the ground, and areas with wave heights less than 3.0 feet. These areas are subdivided into elevation zones with BFEs assigned.
The Zone D designation is used for areas where there are possible but unde- termined flood hazards, as no analysis of flood hazards has been conducted. The designation of Zone D is also used when a community incorporates portions of another communitys area where no map has been prepared.
VE - Zone VE is the flood insurance rate zone that corresponds to areas within the 1-percent annual chance coastal floodplain that have additional hazards associated with storm waves. Base Flood Elevations derived from the detailed hydraulic analyses are shown at selected intervals within this zone.
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Its important to have flood coverage in Hawaii because there is so much flooding. Many wait until a flood or hurricane is in the forecast, but we recommend getting flood insurance now so that you can take your time finding a policy thats right for you. Make sure youre covered before disaster strikes!
The average cost of flood insurance through the NFIP is $771 per year, but the amount you pay depends on your location.Cheapest states for flood insurance. StateAnnualMonthlyHawaii$679$57National average$771$64Source: FEMA4 more rows Oct 17, 2022
State law doesnt require you to buy hurricane insurance in Hawaii. But youll need hurricane insurance if you buy a home with help from a bank. Lenders require it as part of the mortgage approval process.
If you need flood insurance in Hawaii, start with NFIP (National Flood Insurance Program). This is a program through FEMA (Federal Emergency Management Agency), which determines risk and offers flood insurance to homeowners.
The flood zones are based on the likelihood of an area flooding, with flood zone 1 areas least likely to flood and flood zone 3 areas more likely to flood. Remember these flood zones dont always take into account all the rivers in an area, and dont take into account blocked drains or very heavy rainfall etc.

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