CIA - The World Factbook --French Polynesia

two red horizontal bands encase a wide white band in a 1:2:1 ratio; centered on the white band is a disk with a blue and white wave pattern depicting the sea on the lower half and a gold and white ray pattern depicting the sun on the upper half; a Polynesian canoe rides on the wave pattern; the canoe has a crew of five represented by five stars that symbolize the five island groups; red and white are traditional Polynesian colors

note: similar to the red-white-red flag of Tahiti, the largest of the islands in French Polynesia, which has no emblem in the white band; the flag of France is used for official occasions