Video Tour

Hopkinsville Flood Ranking Improves, Reducing Flood Insurance Premiums

Today, Mayor Carter Hendricks announced the Department of Homeland Security, Federal Emergency Management Agency (FEMA) has increased the City of Hopkinsville’s Community Rating System (CRS) ranking to a Class 8 in the National Flood Insurance Program (NFIP).  In his congratulatory letter to the city, Federal Insurance and Mitigation Administration official William Lesser wrote, “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.” 

Mayor Hendricks credited the Hopkinsville Surface and Stormwater Utility Board and Community and Development staff for their hard work and leadership in implementing numerous effective flood-control measures since City Council established the Utility in 2005.  He stated, “We are proud of the work of our Surface and Stormwater Utility Board and their continued efforts to save our residents money through discounts in the flood insurance program for those that are eligible.  I recognize that achieving an improved Community Ratings System is no small feat and appreciate all of the hard working professionals that made this happen.” 

The increase is no small feat indeed, as Hopkinsville was ranked in Class 10 in October of 2016.  With the improved ranking, many flood insurance customers will be eligible for a 10% premium discount. 

CLASS

DISCOUNT

CLASS

DISCOUNT

1

45%

6

20%

2

40%

7

15%

3

35%

8

10%

4

30%

9

5%

5

25%

10

-

SFHA (Zones A, AE, A1–A30, V, V1–V30, AO, and AH): Discount varies depending on class.

SFHA (Zones A99, AR, AR/A, AR/AE, AR/A1–A30, AR/AH, and AR/AO): 10% discount for Classes 1–6; 5% discount for Classes 7–9.*

Non-SFHA (Zones B, C, X, D): 10% discount for Classes 1–6; 5% discount for Classes 7–9.

* In determining CRS Premium Discounts, all AR and A99 Zones are treated as non-SFHAs. 

The Community Rating System is a voluntary program for NFIP participating communities. The goals of the CRS are to reduce flood damages to insurable property, strengthen and support the insurance aspects of the NFIP, and encourage a comprehensive approach to floodplain management. The CRS was developed to provide incentives in the form of premium discounts for communities to go beyond the minimum floodplain management requirements to develop extra measures to provide protection from flooding. 

For additional information, please contact Hopkinsville Surface & Stormwater Utility at (270) 887-4035.