Brunswick County, Carolina Beach residents to receive increased flood insurance discounts

Brunswick County recently received a FEMA Community Rating Score rating. That translates to a 10 percent discount for NFIP premiums. Carolina Beach's rating increased, equaling discounts of 20 percent.

Brunswick County has received a FEMA Community Rating System score that will result in discounted National Flood Insurance Premiums in 2018 for policyholders living in Special Flood Hazard Areas. (Port City Daily graphic /COURTESY OF FLOOD RISK INFORMATION SYSTEM)
Brunswick County has received a FEMA Community Rating System score that will result in discounted National Flood Insurance Premiums in 2018 for policyholders living in Special Flood Hazard Areas. (Port City Daily graphic /COURTESY OF FLOOD RISK INFORMATION SYSTEM)

BRUNSWICK COUNTY—Residents of Brunswick County will soon catch a break when it comes to flood insurance costs.

The county recently received its first score through FEMA’s Community Rating System(CRS).

RELATED: One-third of Pender residents live in a Floodplain. There’s a plan to get them insurance discounts


This score translates to a 10 percent discount on National Flood Insurance Program (NFIP) premiums.

How it works

The voluntary program relies on a community’s activities that could mitigate the potential for damage incurred by those who live in so-called special flood hazard areas.

By rewarding communities that participate in risk-management activities, in theory, FEMA reduces the likelihood of larger flood insurance payouts after a disaster.

Though the future of the NFIP is uncertain, updated discounts for participating communities will take effect in May 2018.

Who’s on board?

Last September, Pender County hired a floodplain administrator to bring the rural county up to speed on the CRS program. Pender County is still in the beginning stages of receiving its first CRS rating.

As of 2017, both New Hanover County and Kure Beach garnered CRS ratings that qualified residents in flood-prone areas a 10 percent discount on flood insurance premiums.

According to FEMA’s 2017 report, Wilmington is not yet a participating CRS community.

On March 9, Carolina Beach announced its rating had improved. Now, residents will receive 5 percent steeper, increasing its discount to 20 percent. According to Carolina Beach’s announcement, its 20 percent discount will help save policyholders over $700,000 on flood insurance premiums.

A list of participating communities and their ratings as of Oct. 2017 can be found in the online flood manual.


Johanna Ferebee can be reached at johanna@localvoicemedia.com or @j__ferebee on Twitter

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