HI SR27

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

Identifies Puna residents in lava zones 1 and 2 on Hawaii Island facing similar insurance access challenges as those in flood-prone areas, with limited private market options after Universal Property & Casualty exited in July 2023.

Notes that Hawaii Property Insurance Association (HPIA) is now the primary insurance option for affected Puna residents, charging rates 4-10 percent higher than private insurers for less coverage.

Highlights that residents in lava and earthquake-prone areas face exorbitant insurance costs and need expanded federal insurance options to protect assets and reduce financial hardship.

Directs certified copies of the resolution be transmitted to each member of Hawaii's congressional delegation.