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Prince William County Saves Residents Money on Flood Insurance Premiums

Release date: 
February 19, 2020
Release Number: 
February 19, 2020

Residents of Prince William County, VA now have even lower flood insurance premiums as a result of the County’s initiatives to implement better floodplain management measures encouraged by the National Flood Insurance Program (NFIP). The Federal Emergency Management Agency (FEMA) created the voluntary Community Rating System (CRS) program to recognize local efforts to reduce flood risk and to reward communities, their residents and businesses by saving them money on flood insurance premiums. Prince William County recently advanced its standing in the program.

Senior NFIP Specialist from FEMA Region III, Zane Hadzick, presented a plaque to the Prince William County Board of Supervisors at their regular meeting on Tuesday. “Prince William County’s leadership, hard work, and accomplishments in floodplain management are to be celebrated and commended,” he said. “As a member of the CRS, Prince William County is within an elite group of 26 Virginia localities that have received this recognition.” With the steps taken by Prince William County to protect its citizens and increase its resiliency, it has advanced its CRS standing to a Class 7 participant.

Each NFIP policy written in the Special Flood Hazard Area (SFHA) in Prince William County now receives a 15% premium discount resulting in an average annual savings of  $320.00 for each policy holder. This 15% discount applies to over 200 policies. In addition, policies written outside the FEMA-mapped floodplain receive a 5% annual premium discount. Overall, a Class 7 rating results in a total savings of $70,581 annually for the citizens here, contributing to the more than $7 million of CRS savings statewide.

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 who apply to participate in the CRS are required to provide information demonstrating their floodplain management program exceeds the minimum compliance requirements of the NFIP. The program includes 10 different class rating levels based on the number and type of activities initiated by participating communities. For each class advancement, NFIP policy holders receive an additional 5% reduction in their flood insurance premiums up to a 45% reduction for a Class 1 community.

In addition to insurance cost savings, CRS communities take pre-disaster mitigation steps to minimize overall flood risk and build community resilience,” stated MaryAnn Tierney, FEMA Region III Regional Administrator. “We would like to thank the county for taking actions to protect lives and property from flood risk.”

To learn more about the Community Rating System, visit For information about flood insurance, property owners should contact their insurance agent, visit or call the NFIP's toll-free information line at

FEMA’s mission is helping people before, during, and after disasters. 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: 
February 19, 2020 - 16:22