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Press Release

Community Rating System Classification

Release Date: August 5, 2010

Contact Information:
Trudie Johnson , Floodplain Administrator, (843)341-4665


"Stephen G. Riley, Town Manager, has announced that the Town of Hilton Head Island was confirmed as a Class 5 in the Community Rating System (CRS). The verification of the change from the previous Class 6 was received from Sandra K. Knight, Deputy Federal Insurance and Mitigation Administrator, Federal Emergency Management Agency. This means that all National Flood Insurance Program policies issued or renewed on properties in flood hazard zones after May 1, 2010 will receive a 25% discount on premiums. This represents an additional 5% from the previous year. Properties not in flood hazard zones will be offered Preferred Risk policies.

As of July 30, 2010, there were 30,657 flood insurance policies on Hilton Head Island. Property coverage amounted to $7,092,691,800.00 with an annual written premium cost of $15,765,162.00. The total savings as a result of the Town's participation in the Community Rating System program will be in excess of $4,428,731.00 per year or approximately $144.00 to the average policy holder living in an 'A' flood hazard zone with the maximum $250,000 property coverage.

The Community Rating System is a program initiated in 1990 by the Federal Insurance Administration to encourage and reward community mitigation activities that are beyond the basic requirements of the National Flood Insurance Program. Its goals are to reduce future flood losses, avoid economic disruption and human suffering and promote awareness of the need for flood insurance.

There are more than 21,180 communities that participate in the National Flood Insurance Program. Of those only 1,090 communities have voluntarily committed to the Community Rating System program. As a Class 5 Hilton Head Island becomes one of only 52 CRS communities nationally to have achieved the distinction of Class 5 or better."