The National Flood Insurance Program (NFIP) is a federal government program administered by the Federal Emergency Management Agency (FEMA).  NFIP provides flood insurance within communities that enact and enforce floodplain regulations.  The City participates in the NFIP by adopting and enforcing a floodplain management ordinance to regulate development in flood hazard areas.

The City also participates in the Community Rating System (CRS), a national program developed by FEMA.  Under the Community Rating System, the City can be rewarded for doing more than simply regulating construction of new buildings to the minimum national standards.  Under the CRS, the flood insurance premiums of a community’s residents and businesses are discounted to reflect the community’s work to minimize the potential for flood damage to future development.  With the City’s CRS Class 7 standing, properties within the flood zone receive a 15% reduction in insurance premiums and properties outside of the flood zone receive a 5% reduction in insurance premiums.

Each year the City must recertify that it is continuing to perform the activities for which it is receiving CRS credit. The City has completed the annual CRS recertification for 2023.  FEMA has determined that the City is implementing the credited activities and properties within the City continue to receive the discounted insurance premiums.

More information about NFIP flood insurance requirements is available at http://www.fema.gov/nfip. The site contains hazard information, a general flood map, and a frequently asked question page.  Or you may call 1-888-CALL-FLOOD.