Hawaii DISASTER PREPARATION
BE PREPARED FOR ANYTHING
Whether it’s a hurricane, earthquake, tsunami, or any other natural disaster, it’s essential to have a plan and be prepared.
Have a plan
When a natural disaster strikes, there is often little time to prepare. Have an emergency kit and an action plan, and be sure to practice your emergency response with family members.
Tune in to the radio, television, or social media
Stay tuned to official channels for information about the potential for dangerous weather conditions and emergency response.
Shutting off your gas
Please do not shut off your gas until you are instructed to do so by emergency management officials or Hawai‘i Gas. If you are required to evacuate, we will issue instructions through public service announcements.
After an emergency
•When inspecting your home for damage, be sure to check your gas pipes and equipment. Look for any signs of a gas leak.
•If you suspect a gas leak, turn off the gas at the shutoff valve only if it is safe to do so. Evacuate to a safe area, then call Hawai‘i Gas or 911.
•Never attempt to turn on your gas service yourself if the valves have been shut off. Hawai‘i Gas will send a trained, qualified professional to restore your service.
No matter what happens, all of us at Hawai‘i Gas are here to support our community. Visit hawaiigas.com/safety for more resources and information.
Contents
10 Resilience in Action
Hawai‘i Community Foundation supports communities and partnerships, building on lessons learned from Lahaina’s devastating wildfire.
9 Leading with Purpose
Disaster response e orts rely on teamwork and communication at all levels of government. Learn more in our Q&A with Hawaii Emergency Management Agency administrator James Barros.
14 Weathering Change
DONNA KODAMA-YEE | PUBLISHER donnaky@hawaiihomemag.com • (808) 534-7501
DARLENE DELA CRUZ | EDITOR darlenedc@hawaiihomemag.com • (808) 534-7160
CODY KAWAMOTO | CREATIVE DIRECTOR codyk@hawaiihomemag.com • (808) 534-7140
CYD SHIZURU | SALES DIRECTOR cyds@aiohawaii.com • (808) 534-7127
DUANE K. KURISU | FOUNDER
SUSAN EICHOR | CHAIRMAN
BRANDON KURISU | PRESIDENT
JADE CARRELL | DIRECTOR OF FINANCE
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Chip Fletcher, interim dean of the University of Hawaii at Manoa’s School of Ocean and Earth Science and Technology, explains how natural hazards are evolving and impacting Hawaii’s future.
22 Financial Readiness for the Unexpected
Saving money for a rainy day is more than just an old saying — it’s an essential strategy for prudent preparedness. Finance pros discuss simple steps to protect your money and your ohana
24 A Deep Dive on Disaster Insurance for Homeowners
It’s important to understand that standard homeowners insurance doesn’t automatically cover all types of disasters. Local experts break down what your policy might not include — and why it matters.
26 Tune In and Reach Out
Reliable information and strong connections are key to navigating emergencies safely and confidently. We share tips and resources for critical communication when the power’s out and cell service fails.
28 Utilities and Community Response
Bringing back gas, water and power after emergencies takes skilled crews and cooperative residents. Leaders from HECO, Hawai‘i Gas and the Honolulu Board of Water Supply highlight their strategies and how you can support safe utility restoration.
30 Built to Last
Honolulu Department of Emergency Management director Dr. Randal A. Collins says readiness starts with disaster-resilient homes, which in turn bolster disaster-resilient communities. Explore retrofi ts and upgrades for your residence.
32 Caring for Mind, Body and Spirit
The impact of a disaster isn’t just physical — it can quietly shake your emotional and mental health, too. Discover how a holistic approach to preparedness includes mental and emotional well-being.
34 Stay in Touch and Involved
We’ve gathered contact information for government agencies, nonprofi ts and essential services — a practical resource to keep nearby whenever you need help or guidance throughout the year.
on the cover: The Kipuni Aloha no Maui vigil in 2023 brought communities across the state together in prayer and reflection after the Lahaina fires. Photo: Sean Marrs
PHOTO: AARON K. YOSHINO
A special edition of Hawaii Home + Remodeling magazine, presented by aio Hawaii and Hawai‘i Community Foundation.
A special edition of Hawaii Home + Remodeling magazine, presented by aio Hawaii and Hawai‘i Community Foundation.
Iwas 9 years old when hurricane iniki approached the islands. As a fourth grader, I didn’t fully grasp the gravity of the situation — I just remember sirens blaring at 5 a.m. on September 11, 1992, and wondering if it was a test or a mistake. Turning on the TV and learning there was no school was a big deal, but seeing the massive storm spinning toward Oahu and Kauai was unbelievable. Hurricane Andrew had devastated Florida a few weeks earlier, and the catastrophic images from the news were still fresh in my mind.
Honolulu was spared the worst of Iniki, but that day left a lasting impression. I learned that disaster preparation isn’t something you do alone. My family lived in an apartment complex, and while we had our own supplies, talking story with neighbors and sharing updates helped us all feel more grounded. It really does take a community to face the uncertainty of a disaster — before, during and after.
I also came to understand how important it is to care for our mental and emotional health in times of crisis. Waiting out a hurricane is its own kind of stress. I remember switching from nonstop news coverage to MTV for a break, playing in the hallway with friends, and then retreating inside when the winds picked up. Looking back, I realize my neighbors weren’t just focused on storm prep — they were helping us stay calm, connected and cared for.
In this third edition of the Hawaii Disaster Preparation guide, we highlight the importance of a holistic approach to readiness
and recovery. We spoke with local leaders about what makes Hawaii’s challenges and strengths unique, from geographic isolation to tight-knit community networks.
We’re honored to present this issue with the support of Hawai‘i Community Foundation as our title sponsor. The nonprofit’s Stronger Hawai‘i initiative has created lasting partnerships across public, private and nonprofit sectors, building an expansive hui of resources ready to assist with whatever comes our way.
Whether you’re just starting or refining your plans, I hope this guide empowers you and your ohana to be ready, informed and reminded that we’re strongest when we face the unknown together.
Aloha, Darlene Dela Cruz Hawaii Home + Remodeling Editor
Letter from the CEO
As hawai‘i continues to face a future shaped by more frequent and complex disasters, we are reminded that the most resilient communities are the ones anchored in relationships, prepared with foresight, and united in action.
Over the past decade, the Hawai‘i Community Foundation has responded to four major disasters across our islands. Each one shaped our understanding and offered valuable lessons that continue to guide our work today. We’ve learned the importance of pooling resources, resourcing local nonprofits, and acting quickly in collaboration with trusted partners already embedded in communities.
Our most recent and largest response, the Maui Strong Fund, was built on that foundation. From the early moments after the August 2023 fires, it was clear that Hawai‘i’s response would require more than short-term relief; it would require long-term commitment.
Each family’s path to healing is unique, and the nonprofit sector has been instrumental in crafting individualized recovery plans and helping people navigate the web of available resources. Today, 100% of impacted lots are cleared, and more than 200 new homes are already under construction. That progress reflects not only funding, but the unwavering strength and commitment of a community determined to rebuild together.
Even before the fires, housing was one of Maui’s most urgent challenges. That’s why HCF launched the House Maui Initiative to create a sustainable, affordable housing market for local families. The fires only deepened the need. But we’ve reinforced community collaboration, focusing on solutions that are coordinated and scalable.
True preparedness is more than stockpiling supplies. It’s about strengthening the systems that hold our communities together and ensuring that when disaster strikes, we are ready to respond not just with speed, but with intentionality and heart.
As we plan for the future, let us continue investing in the people and organizations that know their communities best. Let’s build a Stronger Hawai‘i where our ability to recover is rooted in our ability to care for one another.
Me ke aloha,
Micah A. Kāne CEO and President Hawai‘i Community Foundation
Stronger Together. Ready for What’s Next.
Hawaii’s strength has always come from its people, and our ability to meet challenges with determination and unity. As we face increasing threats from climate change and extreme weather, it’s more important than ever that we take a broad, long-term view of disaster resilience.
Our administration is committed to building a stronger, safer Hawaii for all. That means investing in critical infrastructure, modernizing emergency systems, and addressing the root causes of risk, from wildfire management to sustainable land use. It also means creating policies that support local families before, during and after a crisis.
As a physician, I’ve seen how disasters impact not only physical safety but mental health and overall well-being. That’s why preparedness must go beyond checklists — it’s about cultivating communities with the tools, resources and support systems they need to recover and thrive.
DThis guide is a valuable part of that e ort. It empowers individuals and families to take action isasters don’t wait for a convenient time to strike — and neither should we when it comes to being prepared. Whether it’s hurricanes, wildfires, floods, or other emergencies, we know from experience that it’s not a question of “if” but “when.” That’s why preparation is not just smart — it’s essential.
As Mayor of the City and County of Honolulu, keeping our residents and communities safe is my top priority. We live in one of the most beautiful places in the world, but we are also vulnerable to natural disasters that can impact our lives without much warning. The good news is, preparation makes a real di erence.
This guide is designed to help you take simple, practical steps now that can protect you and your family later. Make a plan. Build an emergency kit. Stay informed. Check in on your neighbors, especially our kupuna. And most importantly — practice your plan so everyone knows what to do when the time comes.
Disaster readiness isn’t just a government responsibility — it’s a shared one. But please know that the City and County of Honolulu is working every day to strengthen our emergency response
and connects us to the bigger picture of resilience across all islands.
By preparing yourself and your ohana, you play an important role in strengthening our island home for generations to come.
Mahalo, Josh Green, M.D. Governor, State of Hawaii
systems and ensure that we are ready to act quickly and e ectively when needed. We’re in this together, and your role is just as important.
Let’s stay vigilant, look out for one another, and do our part to be ready. Because when we prepare today, we protect tomorrow.
With warmest aloha and gratitude,
Rick Blangiardi Mayor, City and
County of Honolulu
A
Q&A with Hawaii Emergency Management Agency administrator James Barros.
BY DARLENE DELA CRUZ
D Leading with Purpose
isaster response efforts rely on teamwork and communication at all levels of government. With a military background and a community-focused approach, James Barros has been essential in guiding the state through major crises and building resilience. We spoke with him about the challenges he’s faced, lessons learned, and what readiness really means.
What are your biggest priorities when it comes to public support and protocols during disaster events?
As administrator of the Hawaii Emergency Management Agency (HIEMA), my main priorities during disaster events focus on:
1. Supporting our counties: Working closely with county officials to enhance their capabilities through training, resource sharing, and the development of comprehensive emergency plans tailored to local needs.
2. Community engagement and preparedness:
Focusing on proactive community involvement. This includes not just informing the public about what to do during an emergency but ensuring that residents are educated about disaster preparedness well before a crisis occurs.
3. Transparency and clarity in communication: This extends beyond simply informing the public — it also involves keeping our partners engaged and informed.
How would recent federal staffing cuts impact state and city preparedness and response?
Recent federal staffing cuts will significantly impact state and city preparedness and response efforts. HIEMA recognizes the challenges ahead, particularly with the uncertainty regarding support from the Federal Emergency Management Agency (FEMA). Historically, FEMA has provided substantial financial resources to states, including Hawaii. However, with the proposed cuts, the state can expect a marked decrease in financial support, particularly in the wake of changes that began in August 2023. We acknowledge that FEMA will continue to play a critical role in responding to disasters and providing support to states — but it is important to understand that this support may not be at the same level as what we experienced during the response to the Lahaina wildfires. These reductions also translate to fewer training opportunities for local emergency response teams and
diminished coordination during disasters. Despite these challenges, HIEMA remains committed to adapting to evolving circumstances by prioritizing innovation and fostering local partnerships.
How does your 32 years of experience in the military and the Hawaii Army National Guard inform and guide your leadership in disaster strategy?
The military instilled in me a profound understanding of the dual pillars of success: mission and people. First and foremost, accomplishing our agency’s mission — creating a ready and resilient Hawaii by helping kamaaina mitigate, respond to, and recover from disasters — is crucial, as it directly impacts our ability to defend and support our state from a variety of threats, both natural and manmade. Equally important is the recognition that people are at the heart of any successful operation.
HIEMA also utilizes a strategic approach to anticipate needs and rapidly deploy resources, particularly during times of crisis. Drawing from military training, we prioritize taking preemptive measures to identify potential challenges before they arise, ensuring we are well-prepared to respond effectively. For example, our coordination with state task force groups, including agencies like the Department of Transportation and the Department of Health, was essential during significant events like COVID-19, which impacted our entire state.
TResilience in Action
Hawai‘i Community Foundation builds on lessons from Lahaina to support communities and place-based partnerships.
STORY BY DARLENE DELA CRUZ
he spirit of lōkahi — a shared sense of purpose and unity — often reveals itself most powerfully in times of adversity. When wildfires struck Lahaina in 2023, the devastation was overwhelming. Yet in the aftermath, a wave of collective resolve rose from around the world to mālama those a ected.
Keanu Lau Hee was in the situation room with Maui County o cials after the fires. Now, as senior director of the Maui Recovery E ort at Hawai‘i Community Foundation (HCF), she draws on that firsthand experience to help align philanthropic support with community needs.
“Like so many others, I was profoundly moved by how our community came together in the face of unimaginable tragedy,” says Lau Hee. “The aloha that has carried us through these past months is a powerful reminder of our shared resilience, and it inspires me daily as we work together to rebuild and recover.”
Lau Hee leads grantmaking for HCF’s Maui Strong Fund. Since the Lahaina fires, HCF has worked closely with the County of Maui, as well as state and federal agencies, to identify key areas of support for survivors. HCF also launched the Maui Recovery Funders Collaborative to increase philanthropic impact.
“The scale of recovery will ultimately depend on sustained support from the government,” Lau Hee says, “but our team remains vigilant in assessing and responding to evolving needs.”
Recovery, she notes, is not short-term. “It
will take years, and the needs — particularly for housing, mental health and economic stability — are far greater than any one organization can meet alone. As we move forward, we continue to use data to guide our decision-making, always asking: Where are the gaps, who remains underserved, and how can we work together to strengthen recovery?”
A Model of Partnership
HCF’s partnership with the Council for Native Hawaiian Advancement (CNHA) is an example of how cross-sector collaboration powerfully emerged after the Lahaina fires. With HCF’s strategic, data-informed funding and CNHA’s on-the-ground action and community networks, programs and resources were e ciently developed to prioritize and address Lahaina residents’ most pressing needs.
“These kinds of partnerships reduce duplication, streamline aid, and make it easier for families to navigate the help available to them,” says Kūhiō Lewis, CNHA CEO.
In the months after the disaster, CNHA launched the Host Housing Support Program, where Maui families took in ‘ohana and friends and received bedding, food and essentials. The Kāko‘o Maui Resource Hub also delivered “trusted, culturally grounded assistance,” says Lewis. HCF funding empowered CNHA to hire Maui-based sta to provide comfort and connection for survivors. Over time, HCF and CNHA developed temporary housing hubs as well.
“By investing in place-based capacity, we build long-term resilience rooted in trust and ‘āina-based expertise.”
— KEHAU MEYER, SENIOR PROGRAM OFFICER, HCF MAUI RECOVERY EFFORT
“With major support from HCF, 66 transitional housing units — 16 in Lahaina and 50 in Kahului — were developed to provide displaced families with safe and stable shelter,” says Lewis. “These homes are more than just a roof over their heads. They restore dignity, create a sense of security and help maintain the bonds of the community.”
Nearly two years after the fires, CNHA and HCF are focused on long-term recovery, including workforce development, financial empowerment, hazardous materials training and economic revitalization.
“We believe that economic strength is key to long-term stability,” says Lewis. “It supports everything from housing and healthcare to education and local infrastructure.”
Stronger Hawai‘i
Expanding on the Maui Strong blueprint, HCF’s Stronger Hawai‘i initiative strengthens connections across the state
among services, disaster response resources and the communities they serve. Stronger Hawai‘i supports grassroots groups that provide emergency food assistance, housing, healthcare, recovery programs and more.
“Community-based response is essential because communities are always the first to feel the impacts of a disaster, and often the first to act,” says Kehau Meyer, senior program ocer for the Maui Recovery E ort. “By investing in place-based capacity, we build long-term resilience rooted in trust and ‘āina-based expertise.”
On Hawai‘i Island, Vibrant Hawai‘i exemplifies this placebased approach. The nonprofit improves access to health and human services, supports economic growth, and plays a key role in disaster preparedness and response — with the culture and demographics of Hawai‘i Island residents in mind.
Another example of place-based collaboration is the hui of nonprofits that sprang into action after flooding on
Members of the Ah Puck family were among the Lahaina fire survivors who moved into La‘ikū, a temporary housing community developed by HCF, CNHA and other partners. They are shown here with Dustin Kaleiopu (far right), CNHA community care navigator lead.
“With major support from HCF, 66 transitional housing units — 16 in Lahaina and 50 in Kahului — were developed to provide displaced families with safe and stable shelter.”
— K UHIO LEWIS, CEO, COUNCIL FOR NATIVE HAWAIIAN ADVANCEMENT
O‘ahu’s North Shore in 2021. HCF provided funding to support groups such as Hui o Hau‘ula, Lāhui Foundation, Waialua Community Association, and ‘ALE‘A Bridge as they quickly mobilized to provide food, supplies and emergency shelter.
“Ultimately, our role is to be a steady partner helping connect community-based e orts to broader systems, resources and funding streams,” says Meyer.
She outlines four key phases that guide HCF’s disaster and resilience funding strategies:
• Mitigation: Reducing disaster risk through planning, building codes and early warning systems.
• Preparedness: Strengthening readiness before disasters to enable faster, more e ective response.
• Response: Providing immediate relief and restoring critical services after an emergency.
• Recovery: Supporting long-term rebuilding and helping communities bounce back stronger.
“We’re committed to building the kind of cross-sector coordination that ensures when the next emergency comes, communities are not only ready — they’re leading,” says Meyer.
Visit hawaiicommunityfoundation.org to learn more.
PARTNER PERSPECTIVE
Hawai‘i Community Foundation Grantee: KEY Project
During the COVID-19 pandemic, KEY Project became a critical lifeline for Ko‘olau communities. We expanded food distribution along the coast, provided supplies, supported k upuna through drive-up outreach, and helped residents access utility and rental assistance via the City and County of Honolulu. Flexible funding from HCF allowed us to respond to urgent needs while keeping our sta and facilities operational.
Past disasters revealed ongoing gaps in rural access to resources, community-appropriate communication, and coordinated response. KEY helps fill those gaps. Our rent and utility relief program also sparked a new workforce development e ort that benefited the community for two years after the pandemic.
We continue to collaborate with local organizations, government agencies and residents before, during, and after emergencies. This includes resilience planning, coordinating the Ko‘olau Resilience Hub Network, serving as a distribution site, and providing post-disaster recovery support in partnership with Hawai‘i Foodbank. Vibrant Hawai‘i has been instrumental in supporting this hub coordination.
above: The La‘ikū temporary housing project for Lahaina wildfire survivors consists of 16 two-bedroom, one-bath units located on land previously acquired by the Hawaii Department of Transportation on Lahainaluna Road. Furnishings and appliances were donated for each unit.
Our priority populations include k upuna, Native Hawaiian families, low-income residents, and rural communities in Ko‘olaupoko and Ko‘olauloa — groups that often face the greatest barriers in times of crisis. That said, our doors are open to anyone in the Ko‘olau area.
A truly resilient Hawai‘i centers grassroots leadership, localized hubs, and cultural strengths. Every community deserves to prepare, respond, and recover with dignity and self-determination. — Rainbow Uli‘i, KEY Project Executive Director
WEATHERING CHANGE
Chip Fletcher explains how natural hazards are evolving and impacting Hawaii’s future.
STORY BY DARLENE DELA CRUZ
With decades of research focused on sea level rise, coastal erosion and climate resilience, Chip Fletcher has become a leading local voice in disaster impact studies. We caught up with the interim dean of the University of Hawaii at Manoa’s School of Ocean and Earth Science and Technology to gain insights and practical tips for Island homeowners.
What natural hazards should Hawaii homeowners be most concerned about — and how are those risks changing?
Climate change is real, and it’s accelerating the threats we face. Hurricanes are a major concern — they’re shifting away from the equator and becoming stronger, bigger and wetter. A low-category hurricane can now intensify to a high-category storm overnight. Storm surge — the number one cause of fatalities in a hurricane — will worsen as sea level rises.
Hawaii is also experiencing more intense rainfall. As droughts become more severe, we go longer without rain — when storms do come, they’re more intense and bring heavier flooding. The soil can’t absorb the water fast enough, which leads to dangerous runo .
Another growing concern is heat. In 2019, Hawaii was surrounded by a marine heat wave, and we recorded the hottest day in Honolulu’s history. We’re studying whether that’s a sign of more heat waves to come. Heat contributes to drought, and when precipitation is low, invasive grasses grow rapidly. Those grasses dry out and become wildfire fuel — with strong winds, wildfire embers can travel a mile or more, putting entire neighborhoods at risk.
What role do building practices and home design play in helping communities become more resilient?
There are architectural and engineering solutions to these hazards. The challenge in Hawaii is that disaster risk is growing faster than building codes are evolving. By the time a new code is adopted, priorities for disaster mitigation shift again. One idea might be to adopt a long-term code — a more forward-looking standard that doesn’t change for a decade or so.
Flash flooding turns Dillingham Boulevard in Kalihi into a hazardous thoroughfare.
above: Coastal erosion is severely damaging beachfront homes on Oahu.
right: Rising sea levels are eroding the stability of Oahu’s infrastructure and roadways.
above: Erosion in Kahala has left debris that’s drawing concern from both residents and environmental advocates.
One improvement I recommend for local homeowners and builders is moving away from slab-on-grade construction. Post-and-pier homes are better-suited for our climate, providing airflow underneath and elevation to protect against flooding. Homes should also be built with a continuous load path, meaning the roof is tied to the walls, which are tied to the foundation. This level of structural integrity is critical for high-wind events.
To prepare for heat, we need more shade — not just through vegetation and trees, but also through smart design features and even water bodies like fountains. If a home is going to use air conditioning, ideally it should run on energy from a solar or photovoltaic system to reduce strain on the grid.
How is sea level rise affecting our communities?
As the ocean rises, land will erode. In the winter, Oahu’s north shore swells are going to push farther inland; in the summer, the same will happen on the south shore. And high tides, especially king tides, will become more prevalent.
Historically, we’ve tried to protect homes from erosion by building seawalls, which unfortunately end up destroying beaches. Instead, we need to develop a strategic realignment of our shoreline. Our models show that by 2100, about 3,000 properties across the state could be directly threatened by erosion.
We’re also seeing sea level rise affect urban infrastructure. Most of our drainage systems on Oahu are gravity-based, and as ocean levels rise, saltwater backs up into the system. In places like Waikiki and Iwilei, saltwater is already coming up through storm drains and onto the roads. We need to shift to pumped drainage, and the City and County of Honolulu is already working on that transition.
Given all these challenges, what gives you hope for Hawaii’s future?
Our indigenous values give me hope. Native Hawaiian ethics are all about our relationships with each other and with the land, across generations. That deep-rooted sense of connection helps us see the land not just as something to protect, but as something that can work with us and for us.
PRESENTED BY RINELL WOOD SYSTEMS
W Strength Starts with the Right Connections
hen it comes to designing your home for intense weather, the most important upgrades aren’t always visible — but they’re essential. The most effective way to build a structure is by creating a continuous load path, a system of securely connected framing components that transfers wind forces from the roof, through the walls, and down to the foundation.
Many older homes in Hawaii were not built with this method of reinforcement, but can have their susceptibility to wind damage improved with the right materials and hardware.
Rinell Wood Systems in Honolulu is a trusted resource for builders, contractors and homeowners looking to strengthen existing homes or build storm-resilient new ones. With more than 45 years of experience, this family-run business is known for its expert guidance, customer service and knowledgeable staff. It’s also one of Hawaii’s largest stocking dealers of Simpson Strong-Tie connectors and fasteners, with options for retrofitting older homes to meet today’s higher wind-load requirements.
above: Simpson Strong-Tie’s HDUE Holdown is an innovative solution for securing structures against hurricane-force winds.
Rinell Wood Systems offers a comprehensive selection of products, including hard-to-find items and custom solu- tions for unique structural challenges. Popular materials include hot dip galvanized and ZMAX exterior-grade hurricane ties and fasteners, which are durable and weather-resistant, as well as marine-grade stainless steel connectors for homes in humid, coastal or high-rainfall areas. Rinell’s solid partnership with Simpson Strong-Tie ensures quick access to custom orders, shorter manufacturing lead times, and expedited shipping to Hawaii.
Structural reinforcement is what holds everything together when disaster strikes. Retrofitting with hurricanerated connectors strengthens your home’s frame, dramatically reducing the risk of wind damage during storms. Not only does this improve your home’s resilience, but can lead to lower insurance rates and gives you confidence knowing that your property and loved ones are protected when hurricane season arrives.
Whether you’re tackling a new build or reinforcing an existing structure, Rinell Wood Systems provides the expertise and materials needed to prepare your home for whatever comes next.
For more information, call (808) 834-1344 or visit rwshawaii.com.
Rinell Wood Systems stocks Simpson Strong-Tie hardware to fortify Hawaii’s homes against hurricanes.
PHOTOS: COURTESY OF RINELL WOOD SYSTEMS
above: The H2.5A Hurricane Tie from Simpson Strong-Tie provides added security by reinforcing framing to withstand powerful winds.
Prepare for Hurricane Season with Impact-Resistant Windows
Invest in premium window upgrades with Hawaii Architectural Sales.
PRESENTED BY HAWAII ARCHITECTURAL SALES
Homes in hawaii are often designed and built with windows that frame stunning landscapes and capture tropical breezes. But with the growing risk of hurricanes and other severe weather events, choosing the right windows has become a critical part of disaster preparation.
Hurricane-resistant windows that meet windborne debris resistance standards are a smart investment. They cost only slightly more than coastal-grade windows and offer added benefits such as sound reduction and UV protection.
Local building codes often require windborne debris-resistant glazing for new or replacement windows. While alternatives such as enclosed safe rooms exist, hurricane-resistant windows provide the most comprehensive protection. These windows feature laminated glass with a strong polymer layer sandwiched between panes, preventing failure even when struck by debris or exposed to high winds.
Hawaii Architectural Sales provides impact-resistant windows with key benefits, including:
Hurricane-resistant windows provide protection from severe weather, reduce outside noise and block harmful UV rays.
• Hurricane resistance: Withstand winds up to 170 mph or more, resist penetration from flying debris, and help prevent interior water damage and structural compromise.
• Sound reduction: Laminated glass dampens external noise, creating a quieter indoor environment — ideal
or
• UV protection: Many models block up to 99% of harmful UV rays, helping preserve furniture, flooring and artwork while improving energy efficiency.
Windborne debris-resistant windows are typically just 10-20% more expensive than high-quality coastal-grade options. This investment delivers long-term value by reducing the risk of costly repairs, enhancing resale value, and potentially lowering homeowners insurance premiums.
Homeowners should consult local building codes and work with reputable suppliers like Hawaii Architectural Sales to ensure compliance. By installing impact-resistant windows, Island residents can prepare for severe weather while enjoying year-round comfort and peace of mind.
Contact Hawaii Architectural Sales at (808) 778-0671 or visit hiarchsales.com
for homes near busy roads
windy coastal areas.
Hawaii Architectural Sales can help you choose laminated glass windows and doors that are stylish and built to last.
Restoring Confidence
Premier Restoration Hawai‘i encourages early disaster recovery planning for a smooth transition.
Heavy rain, flooding, fires, hurricanes, and other environmental hazards can take a serious toll on Island homes. When emergencies strike, having a restoration company you already trust can make these challenging situations much easier to manage.
Waiting to call a restoration company after a disaster isn’t the best approach. Premier Restoration Hawai‘i, a locally owned company with more than 20 years of service in the Islands, encourages homeowners to take a more proactive path. Reaching out before an emergency is key to establishing relationships with restoration experts, conducting pre-disaster assessments, and gaining a clearer understanding of what to expect if you ever need to make the call. Starting these conversations early helps your ohana prepare to handle the unexpected.
A few key items can also make a big difference when disaster strikes: your insurance policy, a list of emergency contacts, photos or an inventory list of major belongings, a basic floor plan, and a go-to contact for your property. Having this information ready allows your restoration
HAWAI‘I
above: The team at Premier Restoration Hawai‘i handles a variety of restoration challenges with technical expertise and dedicated customer service.
team to respond quickly and keep you informed every step of the way. The sooner your restoration partner has access to these details, the faster they can begin working on solutions to get your home back to normal.
Premier Restoration Hawai‘i is a valuable resource, offering 24/7 emergency response and comprehensive restoration services — from cleanup to full reconstruction. With crews based on Oahu, Maui, Kauai and Hawaii Island, restoration experts are ready to respond wherever and whenever help is needed. Mobilizing quickly makes all the difference in assessing damage efficiently and minimizing disruptions.
Premier Restoration Hawai‘i handles a wide range of challenges, including water damage, structural drying, fire and smoke cleanup, mold remediation and more. Known for technical skill and dedication, its team is committed to helping clients recover with clarity, compassion, and peace of mind.
Don’t wait for an emergency to begin planning. Connect with Premier Restoration Hawai‘i now to schedule a consultation or learn how restoration professionals can help safeguard your home — before and after a disaster.
For more information, call (808) 867-3207 or visit premhi.com. opposite page: Certified
water damage experts at Premier Restoration Hawai‘i are ready for 24/7 emergency response.
above: Contacting a restoration professional early allows for a preassessment of your home and structures.
Financial Readiness for the Unexpected
Experts share simple steps to protect your money and your ohana .
BY DARLENE DELA CRUZ
Saving money for a rainy day is more than just an old saying — it’s an essential strategy for prudent preparedness. Having a financial plan in place provides peace of mind when disaster strikes. Local experts Emi Au of HawaiiUSA Federal Credit Union, Long Vo of American Savings Bank, and Vernon Wong of First Hawaiian Bank share tips for getting financially ready, from building an emergency fund to navigating the critical days after a disaster.
Start with a Plan
Emergency prep is an annual “ritual” for Au and her ohana. Together, they review key phone numbers, evacuation routes, meeting spots, and check their home’s safety devices. The family includes financial planning and insurance policies in their discussions.
“We pick a night, grab some snacks, and go over our emergency plan together,” says Au, chief financial o cer at
HawaiiUSA. “We talk to our kids about where the money is, how to access it, and when it’s okay to use it. Plus, it’s a great life lesson in being prepared and responsible.”
Getting organized is a major first step, agrees Wong, senior vice president at First Hawaiian Bank.
“You wouldn’t wait for a rainstorm to patch your roof,” he says. “It’s the same with your finances. Know where your accounts are, keep your insurance info in one place, and make sure your coverage fits your needs — especially homeowners, hurricane and flood insurance.”
Smart Saving
Building an emergency fund may sound daunting, but if you start small — and start now — the savings you set aside can
Include cash in your family’s emergency kits and talk with your ohana about key financial steps to take after a disaster.
VERNON WONG FIRST HAWAIIAN BANK
“We talk to our kids about where the money is, how to access it, and when it’s okay to use it. Plus, it’s a great life lesson in being prepared and responsible.”
— EMI AU, HAWAIIUSA FEDERAL CREDIT UNION
provide the cushion you need to get through an emergency.
“In Hawaii, two out of five residents don’t have enough saved to cover three months of expenses,” says Au. Depositing $10 or $25 per paycheck in a separate savings account can make a difference in difficult times. Tax refunds, bonuses or even loose change can help boost your balance.
Consistency is key, says Vo, senior vice president at American Savings Bank. ASB provides an online emergency fund calculator to help set realistic savings goals.
“Automating your savings makes it effortless and helps you stay on track,” explains Vo. “A separate savings account with no or low fees is ideal.”
According to Wong, a prudent goal for financial readiness is to aim for an amount that covers up to a year of essential expenses.
“After the 2020 pandemic, we’ve seen how important that cushion can be,” he says. “Our personal bankers can help you open the right accounts and create a plan that works for you.”
Critical Timing
When a disaster happens, the first 24 to 48 hours are crucial. After making sure your ohana is safe, prioritize your next financial steps.
Vo recommends reviewing access to your funds right away, then contacting your insurance provider and bank for any needed support, like payment deferrals. Downloading your bank’s mobile app and adding your cards to a mobile wallet lets you make secure payments, even if your physical card is lost.
Vo also advises staying vigilant, documenting all damage and expenses, and watching out for scams that often follow disasters.
If power and internet are down, debit cards and mobile payments might not work. In this case, “having a little cash on
above: At HawaiiUSA Federal Credit Union, CFO Emi Au (left) and financial wellness lead Joanne Ching promote smart planning for emergencies and beyond.
hand can be a lifesaver,” says Au. “You’ll need it for food, water, gas or other essentials.”
By building a relationship with a banker before a crisis hits, you’ll have peace of mind during a time when many decisions must be made under a lot of stress.
“When you have someone who understands your situation,” says Vo, “they can act quickly with solutions tailored to your needs when it matters most.”
LONG VO AMERICAN SAVINGS BANK
A Deep Dive on Disaster Insurance for Homeowners
What your policy might not cover — and why it matters.
BY DARLENE DELA CRUZ
Navigating the nuances of home insurance can feel like shopping for a car, says Jonathan Fujinaka, an agent at Pyramid Insurance in Honolulu. There are many options to choose from, with benefits and trade-offs that require research and evaluation to find the best fit for your needs. A strategic approach starts with breaking down your coverage so you’re informed and protected in the event of a disaster.
“Don’t take it for granted that you have an agent,” says Fujinaka. “You are still the owner of the policy and are provided a large policy packet with the insuring agreement. Take the time to read it and ask questions to your associate or agent.”
It’s important to understand that standard homeowners insurance doesn’t automatically cover all types of disasters. A typical policy provides financial protection for your home and belongings in case of damage or loss from events such as fire, theft, vandalism and certain weather incidents. It usually covers the structure of the home, personal property, liability for injuries on the property, and additional living expenses if the home becomes uninhabitable. In Hawaii, lenders require homeowners insurance for any home with a mortgage.
A major challenge for buyers and homeowners is knowing what’s actually covered, says Sharilyn Tanaka, senior vice president at Atlas Insurance. Most homeowners insurance policies do not include hurricane coverage, which must be purchased separately before a storm warning is issued. Flood insurance is another common gap.
“After the purchase of a home, most homeowners forget about their homeowners insurance policy since the premium may be paid through the mortgage company,” says Tanaka. “It would be best practice to review your homeowners policy with your insurance agent after you have settled into your home, so you are aware of the coverage included and excluded.”
Reina Miyamoto of the nonprofit Hawaii HomeOwnership Center notes that buyers using financing to purchase a single-family home are typically required to obtain hurricane insurance with 100% replacement coverage. Condo buyers must check whether their association’s policy meets the lender’s
“It would be best practice to review your homeowners policy with your insurance agent after you have settled into your home, so you are aware of the coverage included and excluded.”
— SHARILYN TANAKA, ATLAS INSURANCE
criteria — if not, they may need to make a larger down payment. Depending on the location of the property, flood insurance may also be required.
“Homeowners with a mortgage need to maintain their required insurance coverage,” says Miyamoto. “If they don’t, the lender can impose force-placed insurance. In most cases, the lender-imposed policy will be more expensive than what the homeowner can get on their own, and the cost will be charged to the homeowner.”
Older homes pose additional challenges. Dated electrical, roofing, plumbing and paint can disqualify a home from coverage, explains Fujinaka. Insurance carriers
Damage from floods and hurricanes is typically not covered under standard homeowners insurance. Contact your insurance agent to add specialized disaster coverage.
may require inspections and updates before issuing or renewing a policy. Misrepresenting property conditions can result in denied claims or canceled coverage.
Homeowners should think of insurance as protection against catastrophic loss, not a savings account, adds Fujinaka. Reviewing your policy regularly and maintaining a relationship with your agent can help avoid costly surprises.
“Think of us as Ala Moana Shopping Center, and the stores are the carriers we represent and have access to,” he says. “As an independent agent with Pyramid, I’m your personal shopper at the mall, and I’ll ask the questions and translate the insurance jargon to make things easier.”
Reliable information and strong connections are key to navigating emergencies safely and confidently.
BY HAWAII HOME + REMODELING STAFF
C Tune In and Reach Out
ommunication can save lives during a disaster. But what happens when the power’s out and cell service fails? According to the Honolulu Department of Emergency Management (HDEM), staying in touch with loved ones — and receiving trusted, up-to-date information — requires a layered approach.
“Make sure your emergency plan includes more than one way to get information,” says Dr. Randal A. Collins, the department’s new director. “Don’t just rely on your phone or television. If the power, internet or cell service goes out, you’ll need backup ways to stay informed.”
In today’s app-heavy world, it’s easy to overlook traditional tools. Keep a battery-powered or hand-crank radio at home, ideally one that receives National Weather Service broadcasts. Your car radio is also a reliable option when electricity is down.
CBS 1500 AM (KHKA) is one of Oahu’s go-to radio stations for emergency updates. During a disaster, KHKA
above: HNL Alert, Honolulu’s new emergency notification system, sends real-time updates by text, email or app.
delivers real-time information from city and state agencies, including evacuation notices, shelter locations, road closures and weather alerts. Even when other systems fail, KHKA stays on the air.
The city’s HNL Alert system is another critical resource. For urgent text notifications, text HNLALERT to 888777. Sign up at hnlalert.gov to customize your alerts by location or hazard.
Staying informed is just one part of the plan. Keeping in touch with your family or neighbors takes advance preparation.
“Make an emergency communication plan and practice it,” advises Collins. Choose two meeting places — one near your home or shelter, one farther away — and write down
above: The facilities and technology at CBS 1500 AM (KHKA) on Oahu are strategically designed to keep the station on the air during disasters.
important phone numbers. Pick an outof-state contact everyone can check in with. Teach kids how to send a message like “I’m safe at [LOCATION],” and run a drill each year.
Neighborhoods should create support networks ahead of time. Identify residents who might need help and set up check-in systems using text chains, walkie-talkies or house visits. Choose a centralized gathering spot in your community and take stock of who has supplies to share.
“How many of your neighbors do you know by name?” asks Collins. “That’s your starting point.”
A strong emergency plan begins with clear communication, and the connections you build today will help carry you through the next disaster.
MEET HDEM’S NEW DIRECTOR
Dr. Randal A. Collins brings more than 30 years of emergency management experience to Honolulu. Before starting as HDEM director on May 1, he led crisis response efforts for the NEOM project in Saudi Arabia, overseeing strategic initiatives and establishing the project’s first weather service.
Utilities and Community Response
Restoring gas, water and power after emergencies takes skilled crews and cooperative residents.
BY DARLENE DELA CRUZ
The unsung heroes of disaster preparation are the men and women at Hawaii’s utility companies — those who gear up for long hours in tough conditions while the rest of us hunker down. Our island geography creates unique challenges in restoring gas, water and electricity after a major event. Specialized crews must navigate damaged roads and limited access to bring back essential services. But local residents also play a role —before, during, and after a disaster — in helping utilities crews respond effectively.
According to Shawn Tasaka, vice president of operations at Hawai‘i Gas, restoration efforts demand a highly coordinated approach. Crews work with government officials and emergency agencies to identify critical needs and respond quickly, especially to places like hospitals and triage centers.
“Hawai‘i Gas has a statewide emergency response plan that we are continually revisiting and fine-tuning to ensure we are prepared for necessary action and response to any situation,” says Tasaka.
“Hawai‘i Gas has a statewide emergency response plan that we are continually revisiting and fine-tuning.”
— SHAWN TASAKA, HAWAI‘I GAS
Hawaiian Electric follows a similar strategy. “When restoring power, we not only fix what’s broken, but also address hazards to keep people safe,” says Jim Alberts, HECO senior vice president. “We work closely with emergency responders and keep the community informed every step of the way.”
Residents can support these efforts by being prepared at home. HECO recommends unplugging sensitive electronics to avoid power surge damage, turning off stoves during outages, and using flashlights instead of candles. Keep refrigerator and freezer doors closed, and never use
above: Staff safety is a top priority in disaster preparedness discussions at Hawai‘i Gas.
HECO crews evaluate hazards and coordinate logistics to efficiently restore power after emergencies.
“When restoring power, we not only fix what’s broken, but also address hazards to keep people safe.”
— JIM ALBERTS, HECO
generators indoors or near windows. If you rely on medical equipment, have a backup plan ready. And always stay clear of downed power lines, even if they appear inactive.
Hawai‘i Gas reminds customers not to shut off gas unless instructed. After a storm, inspect for damage, turn off gas only if safe, and call 911 or the gas company. Never try to restore service yourself.
Honolulu Board of Water Supply chief engineer Ernie Lau adds: “Now is the time to follow up on plans to reduce any impacts on your ohana. Make sure your disaster kit includes at least a gallon of water per person per day — for 14 days. For successful disaster preparedness, stay vigilant and avoid becoming complacent.”
“For successful disaster preparedness, stay vigilant and avoid becoming complacent.”
— ERNIE LAU, HONOLULU BOARD OF WATER SUPPLY
Restoring water service after an emergency requires close cooperation between residents and the
Locally owned and backed by 30+ years and 30+ awards, we’ve completed 6,500+ projects across Hawaii. From emergency repairs to disaster preparedness, we’re here 24/7—trusted by thousands to protect homes and build dreams, one project at a time.
Board of Water Supply.
“A strong home protects your ohana, and strong neighborhoods recover faster when each family is prepared. With smart planning and safe homes, we can face anything.”
— DR. RANDAL A. COLLINS, HONOLULU DEPARTMENT OF EMERGENCY MANAGEMENT
wildfire-prone areas, fire-resistant roofing and a defensible space of at least 30 feet free of flammable vegetation are key. Earthquake preparation includes bolting the home’s foundation and anchoring water heaters and outdoor furniture to prevent tipping.
The Federal Emergency Management Agency offers complementary guidance. In a 2024 press release, the agency outlined five key strategies for making homes more disaster-resilient:
• Reinforce your roof with metal straps or clips.
• Strengthen doors and garage openings to withstand pressure.
• Guard glass with shutters, film or impact-rated windows.
• Trim overhanging branches and secure outdoor items.
• Review your insurance coverage to confirm protection against hurricanes, floods and other risks.
The National Association of Home Builders supports these practical measures, noting they can reduce both physical damage and emotional stress after a disaster. And according to the National Institute of Building Sciences, every dollar spent on disaster mitigation can save up to $6 in future recovery costs.
Investing in disaster-ready features is a smart decision — work with local professionals to find the right solutions for your home and ohana
Caring for Mind, Body and Spirit
A holistic approach to disaster preparedness includes support for emotional and mental well-being.
BY HAWAII HOME + REMODELING STAFF
The impact of a disaster isn’t just physical — it can quietly shake your emotional and mental well-being, too. In Hawaii, where ohana and cultural connection are central to life, healing often goes beyond repairing what’s been lost. It’s also about taking care of your mind and spirit — before, during and after a crisis.
“Part of preparing today means building our emotional and physical reserves,” says Tim Hansen, a licensed clinical social worker and policy director at the National Alliance on Mental Illness (NAMI) Hawaii chapter. “We need to make sure we are filling our personal cup of energy and well-being on a regular basis. This means staying healthy with a balanced diet, regular exercise, and maintaining positive connections with others.”
Hansen understands the invisible, yet critical, emotional toll disasters take. He advises looking out for signs of distress in yourself and loved ones during an emergency — including increased anxiety, fear, confusion, denial, or emotional exhaustion. Hansen encourages people to seek support early.
Coming together with shared values and a spirit of aloha brought hope and healing after the catastrophic Lahaina disaster.
“For those living with a mental health condition, it’s important to review a safety plan regularly to reassure yourself that things are in place,” he says. “Asking for help and guidance to prepare now, when others are less stressed and pressed for time, feels better for everyone.”
Hansen offers these practical tips for supporting mental and emotional well-being during disasters:
• Create an emergency phone tree: Keep contact information for your support network up to date. Include mental health hotlines like 988 (Mental Health Crisis Line) and the NAMI HelpLine at 800-950-6262 (or text 62640).
PHOTOS: SEAN MARRS
above: Community members embrace at a statewide vigil held after the Lahaina fires in 2023.
• Keep a current list of medications: Include a note in your safety plan to pack medications if you need to evacuate.
• Talk to your doctor about Long Acting Injectables (LAIs): These may be helpful for certain conditions by reducing the need for daily medication. Some LAIs can last up to six months with a single dose.
• Practice coping techniques: Centering, breathing and mindfulness can redirect focus to the present moment and reduce anxiety.
Integrating culturally informed and spiritual practices enhances a holistic approach to grounding and healing.
After the Lahaina fires, for example, communities came together for a statewide vigil on September 1, 2023, to reflect in unity. Organized by aio Media Group and other local partners, the vigil bridged faith with chant, hula and music rooted in shared values and traditions. Hansen says this kind of response is more than symbolic — it’s essential.
“Being aware of our connection to the earth, air and water is powerful,” he explains. “Just pause, breathe deep and look around — we are so blessed to live in these islands, surrounded by such incredible beauty. An awareness of a higher power, in whatever form that takes, is essential. This is a reminder that you are not alone.”
Stay in Touch and Involved
Communications and community resources to remember.
STATE OF HAWAII
Hawaii Emergency Management Agency dod.hawaii.gov/hiema (808) 733-4300
• Emergency planning resources
• Supply kit recommendations
• Hazard-specific guides
Department of Health health.hawaii.gov (808) 586-4400
• Public health alerts
• Disaster prevention guidelines
• Mental health resources
CITY & COUNTY OF HONOLULU
Department of Emergency Management honolulu.gov/dem (808) 723-8960
• Disaster planning tools
• Evacuation maps
• Shelter locations
Resilience Office resilientoahu.org
• Climate adaptation strategies
• Hazard mitigation planning
• Community resilience initiatives
UTILITIES & INFRASTRUCTURE
Hawaiian Electric hawaiianelectric.com (855) 304-1212
• Power outage maps
• Keiki preparedness activities
• Electrical safety checklists
Board of Water Supply hbws.org (808) 748-5000, x1
• Water quality reports
• Emergency water distribution plans
• Conservation tips
Hawai‘i Gas hawaiigas.com (808) 526-0066
• Instructions for gas leaks
• How to shut off gas service
• Gas safety guide
NONPROFIT ORGANIZATIONS
American Red Cross, Hawaii Region
redcross.org/local/Hawaii (808) 734-2101
• Emergency shelter information
• First aid and CPR courses
• Mobile apps for emergency alerts
Hawaiian Humane Society hawaiianhumane.org (808) 356-2250
• Pet-friendly shelter information
• Pet disaster preparedness tips
• Animal rescue and care during emergencies
Pacific Disaster Center pdc.org
• Disaster risk reduction tools
• Early warning systems
• Global disaster monitoring
EMERGENCY ALERTS & COMMUNICATION
HNL Alert System hnl.info
• Real-time emergency notifications
• Weather alerts
• Traffic updates
Wireless Emergency Alerts fema.gov
Government-issued alerts sent via mobile carriers for imminent threats, AMBER alerts, and presidential messages.
Radio Stations
• KHKA CBS Sports Hawaii (part of FEMA’s national public warning system): CBS 1500AM
• KSSK Radio: KSSK 590AM
• Hawaii Public Radio: KHPR 88.1FM, KIPO 89.3FM
• KZOO Hawaii (Japanese): KZOO 1210AM
• KREA (Korean): KREA 1540AM
• KNDI (Filipino and Chinese dialects, Laotian, Okinawan, Vietnamese, Samoan, Tongan, Marshallese, Chuukese and Pohnpeian): KNDI 1270AM
• NOAA Weather Radio: On Oahu, the National Weather Service provides information 24 hours a day on radio
frequencies 162.450 (Channel 3, WWF39, Hawaii Kai) and 162.550 (Channel 7, KBA99, Mount Kaala)
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