The National Flood Insurance Program

Download the NFIP Flood Insurance Manual


We can provide it through the National Flood Insurance program (NFIP).

Flood losses are not usually covered by homeowners insurance. If you want flood coverage, you can apply for coverage through the National Flood Insurance Program (NFIP).


Founded in 1968, the NFIP was created to be a self-supporting entity, paying claims from the premiums collected. However, severe losses in 2005 and 2012 have put the program into debt, and resulted in changes to the program.


As Hawaii’s largest writer of flood insurance through the NFIP, we are committed to providing essential flood protection. Before you purchase flood insurance, it’s important to understand some key definitions and program changes, including the following:


A flood is defined as a general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties (at least one of which is the policyholder’s property) from:

  • Overflow of inland or tidal waters
  • Unusual and rapid accumulation or runoff of surface waters from any source
  • Mudflow; a river of liquid or flowing mud on normally dry land
  • Flood-related erosion; the collapse or subsidence of land along the shore or a lake or body of water and is caused by waves or currents of water exceeding cyclical levels that result in a flood

Primary residence

A primary residence is a residence an insured will occupy more than 50 percent of the policy term.


To help offset flood program deficiencies, a federally-mandated surcharge applies to all new and renewed policies. The surcharge is $25 for all Primary Residence policies (as defined above) and $250 for all other policies. Primary Residence eligibility must be validated before policy issuance in order to avoid the more costly $250 surcharge. The surcharge is fully earned and is not be eligible for refunds due to cancellation or reduction of coverage.

FEMA – Summary of Flood Insurance Policy Coverage

FEMA Flood Insurance Claims Handbook 2014