Honolulu officials discuss FEMA flood map updates and insurance implications for residents

The Honolulu City Council meeting on May 1, 2025, focused on critical updates regarding flood insurance rate maps and their implications for residents. The discussion highlighted the importance of the Federal Emergency Management Agency (FEMA) flood maps, which are set to undergo significant changes affecting many properties in the city.

Executive Director Ben Sullivan from the Mayor's Office of Climate Change, Sustainability, and Resiliency presented an overview of the National Flood Insurance Program (NFIP) and the upcoming appeal process for the preliminary flood maps. The appeal period is open until June 10, 2025, allowing residents to contest changes that may impact their flood insurance requirements and rates.

Sullivan emphasized that the updated maps reflect increased flood risks due to climate change, with over 3,500 parcels newly mapped into special flood hazard areas. This change means that homeowners in these areas will be required to obtain flood insurance, particularly if they have federally backed mortgages. The average annual premium for flood insurance on Oahu is currently estimated at $676, which could significantly affect residents' financial obligations.

The city has conducted extensive outreach to inform residents about these changes, including sending notification postcards and hosting informational sessions. Sullivan noted that while the city is responsible for notifying residents, it is ultimately up to homeowners to ensure they understand their flood risk and insurance requirements.

Council members expressed concerns about the financial burden these changes may impose on constituents, particularly those who may not have been aware of their new flood risk status. The council discussed the need for continued outreach and support to help residents navigate the new requirements and find the best insurance options.

In conclusion, the meeting underscored the urgency for residents to review their flood risk status and consider obtaining flood insurance before the new maps take effect in spring 2026. The city plans to continue its outreach efforts to ensure that all affected residents are informed and prepared for the changes ahead.