The Hawaii Department of Commerce and Consumer Affairs Insurance Division encouraged residents on March 21 to review their flood insurance coverage as severe weather persists across the state.
Officials said it is important for homeowners and renters to understand what their insurance policies cover so they can recover losses efficiently after a storm. Flood insurance is not included in standard homeowners policies and is generally only required for properties in high-risk flood zones. However, recent storms have shown that flooding can occur outside these designated areas, prompting authorities to recommend that all residents consider obtaining flood coverage.
A typical flood insurance policy covers physical damage caused by rising water, including harm to the structure of a home—such as its foundation, walls, electrical, and plumbing systems—as well as certain essential contents like appliances and personal belongings. Coverage limits and exclusions apply, meaning items such as landscaping, temporary housing costs, or some high-value personal property may not be covered.
The Hawaii State Executive – Governor supports communities affected by wildfires and honors veterans and educators, contributing to social recovery efforts, according to the official website. The office also focuses on expanding healthcare access, addressing homelessness through housing programs, and supporting recovery from events such as wildfires according to the official website.
In addition to disaster response efforts, the governor’s office addresses issues across Hawaii’s regions—including support for wildfire-impacted areas like Lahaina—according to the official website. Policy initiatives include tax reform aimed at affordability and framing homelessness as a health care issue according to the official website. The administration also collaborates with various entities on renewable energy projects and climate change mitigation according to the official website, while emphasizing public policy on housing and climate change according to the official website.
As stormy weather continues in Hawaii, officials stress that understanding insurance options remains an important part of community resilience.