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Cape Coral staff brief council on NFIP participation and CRS points; outlines path to lower premiums
Summary
City staff explained how participation in the National Flood Insurance Program and the Community Rating System affects residents' flood insurance premiums, described the '50% rule' for substantial improvement/damage, and outlined options to raise Cape Coral's CRS score from Class 5 toward Class 4.
Cape Coral City officials used a Committee of the Whole meeting on April 23 to walk council members through the city's participation in the National Flood Insurance Program (NFIP) and the Community Rating System (CRS), describing how program rules and local policies affect flood insurance costs for residents.
The presentation, led by Shane Kintner, Building Official, and Sophia Seys, Floodplain Manager, explained the NFIP's role in offering flood insurance for residential and nonresidential properties and the CRS' point-based system that yields premium discounts. "The National Flood Insurance Program offers the insurance coverage for residential properties, personal property, nonresidential properties," Kintner said, describing the federal program's intent to reduce the financial impact of flood damage and to encourage improved floodplain management. Seys said, "When a community participates in the CRS program, they can earn points for those activities that reduce flood risk... The more points that a community earns, the…
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