Federal Emergency Management Agency (FEMA) Flood Insurance Rate Map (FIRM) for the State of Hawaiʻi. Areas that fall within the 100-year flood boundary (a.k.a. base flood or floodplain) are called Special Flood Hazard Areas (SFHA) and are divided into insurance risk zones A, AE, AH, AO, or VE. The term 100-year flood indicates that the area has a 1% chance of flooding in any given year. Zones X and X500 are Non-Special Flood Hazard Areas (NSFHA) and have moderate-to-low flood risk.