The National Flood Insurance Program

The National Flood Insurance Program (NFIP)

The National Flood Insurance Program (NFIP) provides federally backed flood insurance within communities that enact and enforce floodplain regulations. Since its inception in 1968, the NFIP has been very successful in helping flood victims get back on their feet.

Maui County NFIP

To qualify for the NFIP, a community adopts and enforces a floodplain management ordinance to regulate development in flood hazard areas. The objective of the ordinance is to minimize the potential for flood damage to future development.

Discounted Flood Insurance Premiums

Under the Community Rating System (CRS), communities can be rewarded for doing more than simply regulating construction of new buildings to the minimum national standards. Under the CRS, the flood insurance premiums of a community’s residents and businesses are discounted to reflect that community’s work to reduce flood damage to existing buildings, manage development in areas not mapped by the NFIP, protect new buildings beyond the minimum NFIP protection level, preserve and/or restore natural functions of floodplains, help insurance agents obtain flood data, and help people obtain flood insurance.

Visit the FEMA National Flood Insurance Program website to find out more.


Know the Lingo
Flood Watch = “Be Aware.”  Conditions are right for flooding to occur in your area.
Flood Warning = "Take Action!"  Flooding is either happening or will happen shortly.
Have you heard the Emergency Alert System warning sirens before? What if it isn’t a test? 
Find out what the siren sounds like when there is a real disaster HERE.