Updated FEMA flood maps have designated 3,700 additional Oahu parcels as high-risk flood areas, requiring property owners with federally backed loans to purchase flood insurance and comply with new building regulations.
- Property owners in newly designated Special Flood Hazard Areas with federally backed loans must obtain flood insurance within 45 days or lenders can force-place expensive policies.
- All structures in high-risk flood zones must now comply with updated Honolulu flood hazard ordinances and may face additional permitting requirements.
- Oahu property owners receive automatic 10% discounts on flood insurance premiums through the National Flood Insurance Program.
- Owners with pending permit applications submitted before June 10, 2026 should re-evaluate their plans to meet current floodplain management standards.
- Property owners can check FEMA’s Flood Map Service Center to determine if their parcels are affected by the new designations.
Source: Spectrumlocalnews
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