Insurance

The Federal Emergency Management Agency (FEMA) has recently updated its Flood Insurance Rate Maps (FIRMs), resulting in changes to the flood risk designation of over 3,500 parcels across Oʻahu that will become effective June 10, 2026. These updates are crucial for understanding flood risk island-wide and preparing property owners accordingly. The role of insurance producers, administrators and surplus lines brokers in guiding clients through these changes is vital.

The full memo can be viewed here:
COMMISSIONER’S MEMORANDUM 2025-14A (PDF)