FEMA Community Rating System (CRS) & Flood Insurance

Flood Insurance Premium Discounts for Village Residents

The Village of Libertyville participates in the Federal Emergency Management Agency’s (FEMA) Community Rating System (CRS) program. CRS is a voluntary incentive program that recognizes and encourages community floodplain management activities that exceed the minimum requirements of the National Flood Insurance Program’s (NFIP). Upon completion of a CRS application, a community is eligible to receive a rating that typically results in a discount in flood insurance premium rates for residents with NFIP insurance policies. Each community receives a rating on a 1 to 9 scale (with one being the best score achievable), and the rating is then directly correlated to a certain percentage discount. 

The Village of Libertyville has received a CRS Classification of 6, which became effective May 1, 2019. As a result, residents within the Village with NFIP flood insurance policies receive a discount on their insurance premiums. Pursuant to FEMA guidance published in July 2023, a 20% discount is applied within the Village, whether the insured structure is located within the FEMA designated Special Flood Hazard Area (SFHA), or outside of the SFHA. The Village is recognized as a CRS Community in the NFIP Community Status Book; therefore, insurance agencies should apply the discount without any necessary action from policyholders. However, residents are advised to check with their insurance companies to confirm the savings. As of April 2023, Libertyville is one of 24 communities in the State of Illinois with a CRS Class 6 rating.

Additional Resources:

FEMA Flood Smart website: https://www.floodsmart.gov/ 

Lake County All Natural Hazards Mitigation Plan (ANHMP)

The Village is a participating municipality in the Lake County All Natural Hazards Mitigation Plan. To view this document, CLICK HERE

Further information can also be found on the Lake County Stormwater Management Commission website. CLICK HERE

Annual Progress Report for Lake County ANHMP

The Village’s Annual Progress Report regarding the floodplain management planning items identified in the Countywide All Natural Hazards Mitigation Plan. 

2020 Report

2021 Report