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The original item was published from 6/26/2019 1:10:51 PM to 7/11/2019 12:00:02 AM.

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Posted on: June 26, 2019

[ARCHIVED] City of Norfolk’s Resilience Efforts Pays Off For Residents

New Community Rating System classification means reduced flood insurance premiums

NORFOLK, VA – The City of Norfolk is one of 290 communities in Virginia voluntarily participating in the National Flood Insurance Program (NFIP) through the Federal Emergency Management Agency (FEMA). The city’s ongoing efforts in resilience and flood management have earned Norfolk a Community Rating System (CRS) classification of Class 7, meaning residents receive a 15% premium discount on NFIP flood insurance policies in Special Flood Hazard Areas (SFHA) and qualifies each NFIP policyholder for an average annual premium savings of $168.  13 of Virginia’s 26 participating communities are ranked Class 7 or better. 

There are nearly 7,000 policies in the City of Norfolk that would qualify for the 15% discount. Additionally, policies in the non-SFHA zones receive a 5% annual premium discount. Overall, a Class 7 rating results in a total savings of $1,149,293 annually for Norfolk residents.

Throughout the United States, there are over 22,000 communities participating in the NFIP. To join and remain in the NFIP, each community must meet certain minimum criteria. A small number of participating communities, approximately 9% in Virginia, choose to go beyond these minimum requirements by joining the CRS Program.

This additional effort produces activities that result in safer communities that are more prepared for future flooding events, including community outreach and education, higher regulatory standards and open space preservation.

The CRS Program includes 10 class rating levels based on the number and type of activities voluntarily initiated by the participating community. Each level corresponds to a percentage discount on NFIP policy premiums within the locality.

The City of Norfolk encourages all residents to have flood insurance as floods are the nation’s most common and costly natural disaster, causing millions of dollars in damage each year. Many homeowner and renter policies do not cover flood damage. To find out more about the National Flood Insurance Program, including interactive tools and FAQs, visit
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