Lake County Earns CRS 6 Rating: Lower Flood Insurance Premiums for Many Residents

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Release date: 
December 12, 2011
Release Number: 
R5-11-079

CHICAGO, Ill. -- Lake County National Flood Insurance Program (NFIP) policy holders will collectively save $211,881 in annual flood insurance premiums now that the community has achieved a higher classification in the NFIP’s Community Rating System (CRS), the U.S. Department of Homeland Security’s Federal Emergency Management Agency (FEMA) Region V announced today.

The increase from class 7 to class 6 (on a scale of 1-10, one being the highest classification) results in a 20 percent discount for policy holders located in the floodplain, or Special Flood Hazard Area (SFHA). Policy holders located outside of the floodplain will receive a 10 percent discount. Residents with preferred risk policies do not qualify for a CRS discount.

The 968 NFIP policy holders in non-incorporated areas of Lake County already paid less per flood insurance policy because of the community’s active participation in NFIP. With the class increase, savings to those residents will now average $219 annually per policy.  

“Lake County has shown a commitment, through its CRS participation, to a holistic approach to reducing the risk of flooding. That commitment ultimately benefits all the residents of the county, not just those with a flood insurance policy,” said FEMA Region V Regional Administrator Andrew Velasquez III.

The class increase has been awarded because Lake County has consistently gone beyond the minimum NFIP requirements, accomplishing flood-related remediation throughout the course of many years such as:

  • reducing flood losses;
  • facilitating accurate insurance ratings; and
  • promoting the awareness of flood insurance.

Also during a time period of several years, Lake County Forest Preserves has protected 46 percent of the SFHA in Lake County by purchasing undeveloped lands in the SFHA to preserve as open space.

FEMA senior NFIP specialist Eric Kuklewski will acknowledge these accomplishments during the regular Lake County board meeting in Waukegan, Ill. on Tuesday, Dec. 13. Kuklewski will present a FEMA plaque to Lake County officials.

The Lake County CRS accomplishment is significant. Out of 1,000 NFIP communities in Illinois, there are only 46 CRS communities. Of those, just 10 have achieved a CRS class 6 rating.  There are 21,000 NFIP communities across the U.S., of which only 60 have a better CRS score than Lake County.

FEMA's mission is to support our citizens and first responders to ensure that as a nation we work together to build, sustain, and improve our capability to prepare for, protect against, respond to, recover from, and mitigate all hazards.

Last Updated: 
July 19, 2012 - 23:02
State/Tribal Government or Region: 
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