Flood Zones: Kailua vs Kaneohe
How do flood zones rules compare between Kailua, HI and Kaneohe, HI?
Kailua and Kaneohe have similar restriction levels.
Kailua, HI
Honolulu County
Much of low-lying Kailua sits in FEMA-mapped flood zones, and ROH Chapter 21A sets elevation, foundation, and variance standards for development in these areas.
View full Kailua rules →Kaneohe, HI
Honolulu County
Low-lying Kaneohe neighborhoods fall within FEMA flood zones and must follow ROH Chapter 21A elevation, foundation, and variance standards for any construction.
View full Kaneohe rules →Key Facts Comparison
| Fact | Kailua | Kaneohe |
|---|---|---|
| - | - |
Highlighted rows indicate differences between cities.
Kailua FAQ
Do I need flood insurance in Kailua?
Many Kailua properties are in flood zones where federally backed mortgages require flood insurance; check the FEMA map for your parcel.
Can I finish a ground floor below base flood elevation?
Only limited, flood-resistant uses are allowed below base flood elevation; habitable finishes generally are not permitted without a variance.
Kaneohe FAQ
How do I check my Kaneohe flood zone?
Use the FEMA Flood Map Service Center or contact Honolulu DPP with your tax map key to confirm your zone.
Can I add living space below BFE?
No, habitable finished space below the base flood elevation is generally not allowed under Chapter 21A.
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