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Posted on: March 31, 2022

Residents Can Receive Significant Discount for Flood Insurance Premium

house partially under water from flooding

Every year the residents  of the City of Boca Raton receive savings on their flood insurance premiums due to the city’s involvement in the Community Rating System (CRS). At present the City has a Classification of 7, the highest rating for the City since entering the CRS. Floodplain management activities implemented by the City of Boca Raton qualifies residents in high hazard flood zones for a 15% discount on their flood insurance premium. Based on the combined efforts of multiple staff members and departments, the City will save residents and business owners close to $500,000 in total premium discounts city-wide.

In order to receive the higher discount for property owners, the City of Boca Raton earned points through implementing floodplain management activities under the following categories – 

  • Public Information 
  • Mapping and Regulations
  • Flood Damage Reduction
  • Flood Preparedness

Boca Raton earned a large amount of points through community outreach projects, flood warning and response efforts and preservation of open space in Special Flood Hazard Areas (SFHA). 

With floods being the most common and most destructive natural disasters in the United States, flood insurance is a special policy that is federally backed by the NFIP and is available for homeowners, renters and businesses. The City of Boca Raton joined the NFIP in 1978 and later entered the Community Rating System (CRS), a voluntary incentive program that recognizes and encourages community floodplain management activities that exceed minimum NFIP requirements. 

The City’s Floodplain Management program provides additional public information needed to increase flood hazard awareness and to motivate actions to reduce flood damage, encourage flood hazard awareness and protect the natural functions of floodplains. With a large portion of Boca Raton in the special flood hazard area determined by the Federal Emergency Management Agency, the City highly encourages everyone to consider purchasing a flood insurance policy to protect their homes or buildings and/or their contents, whether property owners are in a SFHA or not.

If property owners are unsure if they are in a flood zone, they may access the FEMA Flood Map. For additional questions, residents may contact the City’s Floodplain Manager at [email protected]

For more information, please visit the City of Boca Raton’s Floodplain Management webpage

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