CloudC4 News

The storm breaks a decades-long underwriting assumption that the islands were hurricane-proof, exposing a gap in coverage for residents.

Storm surf over a coastal road as the hurricane comes ashore.
Storm surf over a coastal road as the hurricane comes ashore.
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Key Points

  • Hurricane Lala is making landfall on the Big Island, a historic event.
  • The state of emergency unlocks federal funds and pre-positions National Guard assets.
  • Insurers had treated Hawaii as hurricane-proof, leading to a coverage gap for residents.

What To Watch

  • Federal approval of the disaster declaration
  • Specific insurance payout limits for homeowners in the affected areas
  • The actual wind speeds and rainfall totals as the storm makes landfall