Flood insurance discounts via CRS Natural Floodplain Function credits
St. Charles Parish
Summary
Planning & Zoning announced the parish's CRS rating improved to a Class 6 — about 20% off full-risk flood premiums starting in October, and staff is pushing for a Class 5.
At a glance
- Total mentions
- 5
- Last 30 days
- 2
Discussed at 2 meetings in the last 60 days; most recently Oct 13, 2026.
Impact analysis
Roughly 20% off full-risk flood premiums for policyholders starting October 2026.
Every parish flood insurance policyholder.
Mentions & discussions (5)
SCP Coastal Zone Advisory Committee 12:00 PM (trimmed) - Oct 13, 2026
The parish is compiling updated EMUs and local coastal program sections to earn Natural Floodplain Function credits under the Community Rating System — worth 100 points per 500, which could push the parish to a better flood insurance discount level.
Parish Council 6:00 PM (trimmed) - Oct 12, 2026
The parish moved up to CRS Class 6, which can lower flood insurance premiums on base policies. Residents should check with their agents.
Parish Council 6:00 PM (trimmed) - Jul 13, 2026
The council unanimously backed a push for a national commission on disaster risk and insurance, responding to steep premium increases since 2021 despite local flood-protection investments.
Parish Council 6:00 PM (trimmed) - Jun 1, 2026
Planning & Zoning announced the parish's CRS rating improved to a Class 6 — about 20% off full-risk flood premiums starting in October, and staff is pushing for a Class 5.
Parish Council 6:00 PM (trimmed) - Mar 2, 2026
By adopting the Floodplain Management Plan, the parish is positioning to drop another FEMA CRS grade — each grade is a 5% discount on flood insurance premiums. The parish has moved from an 8 to a 7 since 2020 and is modeling itself on Pinellas County, Florida.
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