The photograph represents the ultimate floodplain, from a community’s perspective: Nature follows its course with no threat to life or property. The waterfront is a community asset where people can relax and enjoy the view.
OMB No. 1660-0022 photo courtesy of John Kinley
FEMA CRA (community rating assessment) impacts flood insurance rates and serves as a guide for determining how well a community is doing on flooding and stormwater management. Hoover has a rating of 8 unchanged since 1991; the poorest rating is 10.
The base flood is 100-year or 1% (a 1 in 100 chance for each storm).
Goals • Reduce and avoid flood damage to insurable property, • Strengthen and support the insurance aspects of the NFIP, and • Foster comprehensive floodplain management.