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Charlotte-Mecklenburg Flood Insurance/Community Rating System Program
The City of Charlotte, Mecklenburg County and the Towns of Cornelius, Davidson, Huntersville, Matthews, Mint Hill and Pineville take part in the National Flood Insurance Program (NFIP). 

The City of Charlotte, Mecklenburg County and the Town of Pineville also participate in the NFIP's Community Rating System (CRS) program. 

The CRS program rewards communities that go above and beyond the NFIP minimum floodplain management requirements to provide for a safer community. People who live in CRS communities get an automatic discount on the flood insurance premiums.

County staff of Charlotte-Mecklenburg Storm Water Services administers the local CRS programs.

Riverside Drive under water in 2004
Riverside Drive under water

City of Charlotte:  
  • CRS rating of 5
  • In the top 7% of CRS communities nationwide
  • 25% discount on flood insurance policy premiums

Unincorporated Mecklenburg County:

  • CRS Rating of 6
  • 20% discount on flood insurance policy premiums

Town of Pineville:

  • CRS Rating of 6
  • 20% discount on flood insurance policy premiums

More about flood insurance rate discounts in Charlotte, Pineville and unincorporated Mecklenburg. 

92 percent of flood insurance policies in Mecklenburg County are in CRS communities.

Properties in the City of Charlotte account for 79 percent of all flood insurance policies in Mecklenburg County.

Flooded Bridge
Flooded Bridge

How CRS Works
CRS communities are awarded points and then rated based on their local floodplain management activities which exceed NFIP minimum requirements. The communities are then placed into categories from class 10 to class 1 based on point totals. All communities start out as a class 10 (no discount) and receive an additional 5% premium discount for each class they progress towards a class 1 (45% discount). 

Out of 20,000 communities that participate in the National Flood Insurance Program, more than 1,200 communities participate in the CRS program.  These 1,200 communities include two-thirds of all flood insurance policies in the country.

Charlotte-Mecklenburg's CRS Efforts
Charlotte, Mecklenburg County, and Pineville receive points in 16 out of 18 CRS creditable activities which are organized under four categories: public information, mapping and regulations, flood damage reduction and flood preparedness.

The five major activities for which CRS points are awarded locally are listed below in the order from most to least points awarded.

  1. Higher Regulatory Standards – Credited activities include: one foot freeboard requirement, cumulative substantial improvement requirement, protection of critical facilities, stricter mobile home elevation requirements, adoption of portions of the International Code Series, all staff are Certified Floodplain Managers (CFMs).
  2. Drainage System Maintenance – Credited activities include: annual inspection of the drainage system and removing debris as needed. Credit is also provided for existence of stream dumping law.
  3. Acquisition and Relocation – Credited activities include: the acquisition of more than 200 qualifying flood-prone buildings. The vacant land left behind will be maintained in perpetuity as open space and many areas have had water quality features and greenway trails constructed on them.
  4. Flood Data Maintenance – Credited activities include: providing and maintaining a variety of floodplain data in our local Geospatial Information Services. Credit is also provided for inspecting Elevation Reference Marks and maintaining copies of historical Flood Insurance Rate Maps (FIRMs.)
  5. Open Space Preservation – Credit is provided for public ownership of portions of the Special Flood Hazard Area (SFHA.) Additional credit is provided for deed restrictions on some properties limiting future development, and the existence of nature preserve areas.

Additional CRS points are awarded in the following areas, in the order of number of points provided:

For more information, contact:​

David Kroening    
Charlotte-Mecklenburg Storm Water Services

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