Insure Your Property for Your Flood Hazard

Insure Your Propert


Are you insured for your potential flood hazard?

  • Ask your insurance agent if you are covered for flood damage
  • Renters should carry insurance for their contents
  • Take advantage of a low-cost Preferred Risk Policy

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 objectives of the ordinance are to protect human life, protect property from flood damage, and to reduce public cost for flood control, rescue, and relief efforts.

Discounted Flood Insurance Premiums

Under the Community Rating System (CRS), communities are rewarded for doing more than the minimum national standards. Under the CRS, the flood insurance premiums of residents and businesses are discounted to reflect their community’s work to:

  • Reduce potential 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 Maui residents and insurance agents obtain flood data

As a participating community in the CRS, Maui County residents receive 10% off of their flood insurance premiums and collectively enjoy an annual savings of more than $710,000.  In addition, County staff continue to work with FEMA and the community to meet extra criteria so that County residents in the future can save more per year on their premiums.

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

Know the Lingo
Flash Flood Advisory = "Be Cautious."  Nuisance flooding is occurring or imminent.
Flash Flood Watch = “Be Aware.”  Conditions are right for flooding to occur in your area.
Flash 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.