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Posted on: October 14, 2020

Good News for Flood Insurance Policy Holders

Community Rating System Presentation web

Homeowners with flood insurance policies in James City County will see a larger discount in their rates as the result of floodplain management activities implemented by the County.

The Department of Homeland Security, Federal Emergency Management Agency (FEMA), determined that James City County will increase from a Class 7 to a Class 5 in the National Flood Insurance Program (NFIP) Community Rating System (CRS). The County is the first community in Virginia to receive a Class 5 rating.

The new rating helps homeowners qualify for a 25 percent discount on flood insurance premiums for NFIP policies issued or renewed in Special Flood Hazard Areas on or after Oct. 1, 2020. Policy holders should contact their insurance agents for information on the discount.

FEMA developed the CRS to provide incentives for communities to go beyond the NFIP minimum program requirements. Activities are credited in the following categories:

  • Public Information
  • Mapping and Regulations
  • Flood Damage Reduction
  • Flood Warning and Response

The CRS is updated every five years and will automatically renew each year as long as the County continues to implement the CRS activities and there are no NFIP noncompliance actions.

William H. Lesser, CRS Coordinator Federal Insurance and Mitigation Administration, wrote in the announcement letter, “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.”

For more information about the County’s floodplain management activities, visit

Pictured from Left to Right: Tom Coghill, Director of the Building Safety and Permits Division; Darryl Cook, Assistant Director of Stormwater and Resource Protection; Jim Icenhour, Chairman of the Board of Supervisors; Christy Parrish, Zoning Administrator; Kim Hazelwood, GIS Supervisor

Media Contact:
Renee Dallman, Public Information Officer

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