Floodplain Management Program
Knowing exactly where the FEMA 100-year floodplains are located is important. Harford County Department of Planning and Zoning has made that easy by linking into FEMA’s National Flood Hazard Layer information with our local property boundary information. Type in any address in Harford County in the blue search box to find the most current floodplain information. Please click here to use the viewer……FEMA National Flood Hazard Layer Map
The 100-year floodplain is that land area that has a 1% or greater probability of flooding in any given year. Floodplains are an integral part of a stream system. They provide storage capacity for high flows and reduce the discharge of sediment during high flow periods.
Floodplain Management in Harford County is guided by the following goals:
- To prevent loss of life and property
- To avoid risks to health and safety
- To prevent the disruption of commerce and government services
- To reduce the economic losses associated with flooding events
- To preserve the biological values and environmental quality in floodplain areas
National Flood Insurance Program (NFIP)
In 1968, Congress created the National Flood Insurance Program (NFIP) in response to escalating costs to taxpayers to fund flood relief efforts and the increasing amount of damage caused by floods.
The NFIP is managed by FEMA’s Federal Insurance Administration and the Mitigation Directorate. The Federal Insurance Administration manages the insurance component of the NFIP, while the Mitigation Directorate oversees the floodplain management aspect of the program.
The NFIP is self-supporting, which means that operating expenses and flood insurance claims are not paid by the taxpayer, but through premiums collected for flood insurance policies. For more information on the NFIP, visit the FEMA website.
Community Rating System (CRS)
The NFIP’s CRS was implemented in 1990 as a program for recognizing and encouraging community floodplain management activities that exceed the minimum NFIP standards. Under the CRS, flood insurance premium rates are adjusted to reflect the reduced flood risk resulting from community activities that meet the 3 goals of the CRS:
- Reduce flood losses.
- Facilitate accurate insurance rating.
- Promote the awareness of flood insurance.
There are 10 CRS classes: class 1 requires the most credit points and gives the largest premium reduction, class 10 receives no premium reduction.
Harford County is currently considered a Class 7 community, and all Harford County residents and businesses receive a 15% premium reduction on flood insurance. Harford County is one of approximately 1,200 communities that participate in the CRS program. For more information on the CRS program, visit the FEMA website.