City of Gastonia Approved for Lower Flood Insurance Rates

Homeowners and businesses that are in a Special Flood Hazard Area of Gastonia City limits are eligible to receive a five percent discount on flood insurance premiums due to a positive audit by from the FEMA Community Rating System Program (CRS).

The five percent premium reduction is automatically applied to National Flood Insurance Program (NFIP) policies issued or renewed in a Special Flood Hazard Areas.

In 2018, the City of Gastonia entered the FEMA Community Rating System Program (CRS), which subsequently audited the City of Gastonia Floodplain Management program and determined that it met the minimum requirements to enter the CRS program. As a result, the City of Gastonia achieved an improved ranking in a national program designed to proactively reduce flood losses. In 2022 the City of Gastonia was audited for compliance with the program and the “passing” results from the audit re-affirms the City’s ranking. Gastonia’s re-affirmed rating from the NFIP is a Class 9 and the City is audited every five years.

What is the Community Rating System (CRS)?
The Community Rating System is managed by the National Flood Insurance Program (NFIP). Participating communities obtain NFIP credit for floodplain mapping and development regulations, flood-damage reduction, public information about flood hazards, and flood warning and response.

Flood-prone homes and businesses with a federally backed mortgage are required to have flood insurance. For structures in a Special Flood Hazard Area without a mortgage, owners and tenants are strongly encouraged to have flood insurance for the building and contents.

Visit the City’s website to learn more about Floodplain. For questions, homeowners and businesses can contact Tucker Johnson, Floodplain Administrator at 704-869-1002.