News List

Press Enter to show all options, press Tab go to next option

City Secures Premium Discount for Property Owners in Special Flood Hazard Areas

Post Date:12/28/2017

Navigating the flood insurance waters can be a confusing, frustrating and expensive process for property owners. The National Flood Insurance Program (NFIP) is a program managed by the Federal Emergency Management Agency (FEMA) that enables homeowners, business owners and renters in participating communities to purchase federally backed flood insurance. 

The NFIP aims to provide subsidized flood insurance to property owners and encourages communities to adopt floodplain management regulations. The  insurance is designed to help property owners meet the rising costs of repairing flood damage to buildings and their contents.

The Community Rating System (CRS) is a volunteer insurance program that encourages communities to adopt higher NFIP standards than those outlined in the NFIP's minimum requirements. Communities that do this are entitled to significant discounts on their flood insurance premiums, thereby securing discounts for property owners within their boundaries. 

In October 2013, Maryland Heights joined the NFIP's Community Rating System. At this introductory level, property owners were entitled to a five percent discount on flood insurance premiums. The CRS involves a very detailed evaluation of these floodplain management activities for a community to stay in the program and achieve greater premium discounts. Through years of refining activities by launching a public information campaign, revising mapping and regulations, reducing flood damage incidents and managing warning and response time, the City has moved from Class 9 to Class 7 standing, resulting in a total premium discount of 15 percent. 

The City would like to recognize the hard work of the Deputy Building Commissioner and Floodplain Manager Joe Moore and Community Development staff throughout the NFIP process.

Please contact the City if you have any questions regarding flood hazard information, flood insurance rating data, natural floodplain functions that should be protected or general floodplain requirements. Property protection assistance and/or property advice is available after a site visit. All elevation certificates on file with the City are available for review upon request. Please contact Joe Moore at (314) 738-2243 or jmoore@

Return to full list >>