Residents of Brewster will be receiving a reduction in their flood insurance premiums in 2023.
The Federal Emergency Management Agency (FEMA) assists in the administration of a program called the Community Rating System (CRS). The CRS is a voluntary incentive program that recognizes municipalities with good community floodplain management practices. As a member of the Community Rating System, Brewster is within an elite group of 23 Massachusetts communities that have received this recognition. With the steps taken by Brewster to protect its citizens and increase its resiliency, it has advanced in the program to a Class 8 Community Rating System participant. This rating qualifies eligible National Flood Insurance Program policy holders in the Town an average of nearly $140 in savings on their annual premiums.
Under the CRS, local officials are asked to meet three goals: (1) reduce flood losses; (2) facilitate accurate insurance rating; and (3) promote the awareness of flood insurance. For each Class that a community moves up to, it provides its residents with an additional 5% reduction in their flood insurance premiums up to the 45% reduction that a Class 1 community receives. As a Class 8 community, the Town of Brewster enables its residents to receive a 10% reduction on their flood insurance premiums.
We are proud of this achievement, especially coming so soon after the Brewster Fire Department improved its Insurance Services Office rating. In 2019, the Fire Department received an upgraded Public Protection Classification, making it one of only 1,597 out of 41,117 fire departments across the country to receive a Class 02 rating. Fire departments use the ISO Ratings as a method to demonstrate they are providing high levels of fire suppression and inspection services to their communities, and many insurance companies utilize the information to develop and set commercial and residential fire insurance rates.
To learn more about the CRS, visit https://www.fema.gov/national-flood-insurance-program-community-rating-system