17 NJ Communities are Recognized for Reducing their Flood Risk through the Community Rating System

LINCROFT, N.J. — Seventeen New Jersey municipalities will be recognized for reducing their flood hazard risk through the Community Rating System in awards ceremonies today and Wednesday, Dec. 18.

Today’s ceremony which was at 10 a.m. the Long Beach Township Courtroom honored Bay Head, Beach Haven, Berkeley Township, Hazlet, Lavallette, Long Beach Township, Mantoloking, Middletown Township and Stafford Township. Wednesday’s ceremony at 12:30 p.m. at Sea Isle City Elementary School will honor Avalon, Cape May, Cape May Point, Longport, Margate, Ocean City, Sea Isle City and Upper Township.

The Community Rating System (CRS) is a program administered by FEMA that provides lower insurance premiums under the National Flood Insurance Program. Communities can apply to participate in the CRS, and residents of participating communities pay lower premium reduction rates based on the implementation of floodplain management policies.

Communities earn points toward their rating based on 18 creditable activities in four categories: Public Information, Mapping and Regulations, Flood Damage Reduction and Flood Preparedness. For towns participating in the CRS, flood insurance premium rates are discounted in 5 percent increments. Premium reductions are in the form of CRS Classes, similar to the classifications used for fire insurance. A Class 1 community (the highest level of compliance) would receive a 45% premium reduction.

Ten New Jersey municipalities (Sea Isle City, Avalon, Beach Haven, Bedminster, Brigantine, Long Beach Township, Longport, Mantoloking, Pompton Lakes and Stafford Township) are in Class 5, the highest level currently in the state. The 61 communities in the program have saved a total of $17 million.

Participating communities have better organized and more formal local flood programs, which can be evaluated against a nationally recognized benchmark. The discounted premiums give communities incentive to maintain its programs. Residents are reminded that their towns are working to protect them from flooding and will become more knowledgeable and interested in supporting and improving flood protection measures.

Learn more about the NFIP’s CRS program at http://www.fema.gov/business/nfip/crs.shtm.

What?? Did you really think Highlands was going to be on this list?


  1. Seriously…we are not in this program? For some reason I thought Highlands was taking part in CRA program or is it just don’t have together yet?


  2. Somebody remind me to ask Dale where we are with this at the council meeting tomorrow night. Yes, it’s the CRS(and we all know the other translation of that acronym…something to do with those of us that are getting to the age where we keep losing our car keys…myself included)
    Seriously though, last we heard we were in the application process. We SHOULD ask for an update on where we are in the course of the process, and what the next milestone is. As I recall, it’s actually a pretty lengthy process, but we all know what happens if you don’t keep pushing. One of the members of the council has been pushing the issue, but if they’re the lone voice in the wilderness, well… we’ve got a lot on our plates these days. Sooo…
    Perhaps someone ELSE who reads this and is annoyed will show up and ask about it! Not for nothing…for those of you who just “lurk” on here or spout off anonymously ranting, ya might consider showing up at a council meeting once in a while or otherwise getting involved so it’s not just the same ten faces being the whiners. You know who you are. And while you’re at it…why don’t you see if you can drag your neighbor down and get THEM involved?


  3. CRA is a system I used to use and work…not sure what forgetting keys acronym is but now curious? I have to say I think people are tired of “fighting city hall”! that won’t listen. I personally think the best hope for real change are the non-partisan elections. Thats just my hope & humble opinion.


  4. Chris Francy has been all over this. I went online after Sandy to view the application and it requires a minimum of 40 hours just to complete. Not to mention the access to data and the actual implementation of the criteria eligibilty that municipalites need to have in place. Highlands does not operate at that level soi I am not surpirsed that Highlands did not get approved by the CRS program. This effort will require taxpayer involvemnt in order to get Highlands on the list for any flood rate reductions to individuals. I offered to help with the application process over the summer – and again after the election stigma was over – knowing the part-time workers were already overloaded down at our solution center and would need help addressing the details of the application. I was told ‘thanks, but we’re in the process’. btw this project would fall nicley under the Housing Advocate/ Director under our FEMA recovery plan


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