Commissioner’s Memorandum 2026-3A: Updated FEMA Flood Insurance Rate Maps for Oʻahu

Sat, 18 Apr 2026 17:41:26 +0000
Insurance

The Hawaii Insurance Commissioner issued Memorandum 2026-3A informing insurance producers, administrators, and surplus lines brokers of FEMA's updated Flood Insurance Rate Maps (FIRMs) affecting over 3,500 parcels on Oʻahu. The updated maps take effect June 10, 2026, and may designate previously unaffected parcels as Special Flood Hazard Areas (SFHAs), triggering mandatory flood insurance requirements and new building standards. The Commissioner requests that insurance professionals proactively inform clients about the changes and available NFIP policy discounts.