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Upper Makefield Township, PA Lowers Flood Insurance Premiums

Release date: 
December 14, 2017
Release Number: 

PHILADELPHIA – Residents of Upper Makefield Township, Pennsylvania have received a reduction in their flood insurance premiums through the increase of various floodplain management measures encouraged by the National Flood Insurance Program (NFIP).

The Federal Emergency Management Agency (FEMA) oversees the NFIP, which administers a program called the Community Rating System (CRS). The CRS is a voluntary incentive program that recognizes and encourages community floodplain management activities that exceed minimum NFIP requirements. “Upper Makefield Township’s actions to protect themselves against future flooding is critical to saving lives and property,” FEMA Region III Regional Administrator MaryAnn Tierney stated. “By taking actions against flooding, the Township has reduced their risk and seen a drop in their insurance premiums to reflect those efforts.” The program includes 10 different 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 National Flood Insurance policy premiums within the county.

Under the CRS, local officials are asked to meet three goals: (1) reduce flood losses; (2) facilitate accurate insurance rating; and (3) promote the awareness of flood insurance.  Communities can earn a CRS rating by submitting an application explaining the projects they have in place or development.  Once the information is verified and approved, FEMA provides flood insurance premium discounts through the NFIP.  The amount of a property owner's policy discount is based on the community’s CRS rating.

Upper Makefield Township is joining an elite group of fewer than 30 Pennsylvania municipalities that have earned this recognition.  With the steps taken by Upper Makefield Township to protect its citizens and increase its resiliency, the Township enters the program as a Class 9 Community Rating System participant.

The Class 9 rating qualifies NFIP policyholders within Upper Makefield Township for a 5% premium discount.  This amounts to an average saving of $61 on annual premiums for each policy.  Overall, Upper Makefield’s CRS accomplishment accounts for a total savings of nearly $11,000 annually for NFIP policyholders.

For information about flood insurance, property owners should contact their insurance agent, visit, or call the NFIP's toll-free information line at 800-427-4661.  To learn more about the CRS, visit

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. FEMA Region III’s jurisdiction includes Delaware, the District of Columbia, Maryland, Pennsylvania, Virginia and West Virginia.  Stay informed of FEMA’s activities online: videos and podcasts are available at and Follow us on Twitter at


Last Updated: 
January 3, 2018 - 11:58