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County’s Flood Insurance Premiums Bump to Class 7

Policy Holders to Receive Up To 15% Discount

Post Date:10/16/2018 4:19 PM

October 16, 2018 

National-Flood-Insurance-Program-logo-580x498ELKTON, MD. – Cecil County participates in the Federal Emergency Management Agency’s National Flood Insurance Program (NFIP), which enables residents to purchase flood insurance for their homes and businesses. The County also participates in a voluntary program for NFIP participating communities called the Community Rating System (CRS). The goals of the CRS are to reduce flood damages to insurable property and to encourage a comprehensive approach to floodplain management.

“The Community Rating System is a voluntary, incentive-based community program that recognizes, encourages, and rewards local floodplain management activities that exceed the minimum standards of the National Flood Insurance Program,” explained Chief Richard Brooks, Director of Emergency Services. “The CRS program not only provides the benefits of reduced insurance rates to our residents, the activities involved with the program enhance public safety by reducing damages to property and public infrastructure. This helps avoid economic disruption and losses, reduces human suffering and protects the environment.”

A recent letter to County Executive Alan McCarthy from William Lesser, Community Rating System Coordinator, stated “The floodplain management activities implemented by your community qualifies it for a 15 percent discount in the premium cost of flood insurance for NFIP policies issued or renewed in Special Flood Hazard Areas on or after October 1, 2018. This increase is based on a field verification of your five-year cycle CRS application.”

“I commend you on your community actions and your determination to lead your community to be more disaster resistant. This commitment enhances public safety, property protection, and protects the natural functions of floodplains, and reduces flood insurance premiums,” expressed Lesser.

By far, the category where the most amount of points can be earned is by enforcing higher regulatory standards for managing development within county floodplains. The County also earns points for stormwater management projects, education and outreach, open space preservation, and maintaining a hazard mitigation plan.

“The CRS program incentivizes good planning, which helps us improve coordination amongst different departments, such as Emergency Services, Public Works, and Land Use and Development Services” says Bryan Lightner, Resource Plans Reviewer. “It also helps the County share ideas with other community partners like public libraries, chamber of commerce, realtors, lenders and insurance companies.”


Media Contact:

Jennifer Lyall
Public Information Officer
Cecil County Government

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