HI SCR80

Urges Hawaii's congressional delegation to introduce federal legislation expanding the National Flood Insurance Program to include coverage for lava and earthquake damage.

Identifies residents in Puna, Hawaii Island, particularly in lava zones 1 and 2, as facing critical insurance coverage challenges similar to those in flood-prone areas.

Notes that Universal Property & Casualty's July 2023 exit from Hawaii's market affected approximately 1,500 policies, with 900 covering properties in lava zones 1 and 2.

Highlights that Hawaii Property Insurance Association (HPIA), the state's insurance safety net, charges 4 to 10 percent higher rates for less coverage than private market insurers.

Directs transmission of certified copies of the resolution to all members of Hawaii's congressional delegation.