LEONARDTOWN, MD — St. Mary’s County Government has achieved a Class 7 rating under the Federal Emergency Management Agency’s (FEMA) Community Rating System (CRS), an accomplishment that brings significant benefits to local residents. This designation, effective October 1, 2024, allows most National Flood Insurance Program (NFIP) policyholders in the county to receive a 15% discount on flood insurance premiums.
The CRS is a voluntary incentive program designed to encourage communities to implement floodplain management practices that go beyond the minimum requirements of the NFIP. By earning a Class 7 rating, St. Mary’s County has demonstrated a proactive approach to reducing flood risks and enhancing resilience.
“This achievement is the result of dedicated efforts of our Department of Land Use & Growth Management and our Department of Emergency Services to enhance our community’s safety and resilience against flood hazards,” said Commissioner President Randy Guy. “These measures not only provide peace of mind for our residents but also help lower the cost of living for families in flood-prone areas.”
Savings for Residents
With the Class 7 rating, flood insurance policyholders in St. Mary’s County can expect significant savings. FEMA estimates that the 15% discount will apply to policies issued or renewed starting in October, directly reflecting the county’s initiatives to manage floodplain areas effectively.
“In addition to cost savings, this designation has created a unique opportunity to further educate our community on the risk of flooding and how residents can protect themselves and their families for generations to come,” said Jessica Andritz, Director of the Department of Land Use & Growth Management.
Steps to Achieve the Rating
St. Mary’s County earned its Class 7 rating through a comprehensive set of activities aimed at mitigating flood risks. These actions include:
- Improving floodplain mapping.
- Conducting public education campaigns on flood risks.
- Developing emergency response plans.
- Implementing measures to preserve natural floodplain functions.
These efforts, coordinated by the county’s CRS team, underscore a commitment to safeguarding both property and lives from the increasing risks of flooding.
Maintaining Compliance
To retain the Class 7 rating, St. Mary’s County must adhere to annual recertification requirements and CRS program guidelines. FEMA will conduct a verification visit every five years to ensure compliance and evaluate opportunities for further improvements, which could lead to even greater insurance discounts for residents.
Resources for Residents
For more information about the Community Rating System and its benefits, visit FEMA’s website at FEMA Community Rating System.
Residents can also learn more about local floodplain management practices by visiting the St. Mary’s County website at St. Mary’s County Floodplain Management or contacting the Department of Land Use & Growth Management at (301) 475-4200 ext. 1500.
