Get Flood ReadyInsure My Property Understand the RiskInsure My PropertyStay Flood SafePrepare My HomeBuild ResponsiblyMālama ‘Āina FloodSmart Streamgages Elevation Certificates Keiki Corner What the Flood! Test your knowledge of flood-related insurance with this interactive quiz from the National Association of Insurance Commissioners. Do I have the right insurance? My Insurance Doesn’t Cover What? Avoid surprises by understanding your homeowners insurance policy. What isn't covered? Flood Cost Calculator Use this tool to see how much flood damage – even from an inch of water – could cost you. How much will it cost? How is my insurance premium calculated? FEMA’s National Flood Insurance Program has a new Risk Rating 2.0 tool that aims to make insurance pricing more equitable. How is my insurance premium calculated? Check what providers are in your area and participate in FEMA’s National Flood Insurance Program. It takes 30 days for flood policies to become active, so plan ahead to save what you love in a flood! Need a provider? More Flood Insurance Information Hawaiʻi Department of Land & Natural Resources Learn More Federal Emergency Management Agency Learn More Hawaiʻi Department of Commerce and Consumer Affairs Learn More