Many properties along Bonner County’s numerous lakes, rivers and streams include areas located with special flood hazard areas (“floodplains”). Because of Bonner County’s flood prone areas, the County Commissioners in the 1980’s chose to participate in the federal National Flood Insurance Program (NFIP). The NFIP was created in 1968. The NFIP does not prohibit floodplain development, but rather guides development in floodplain areas to greatly lessen the economic loss caused by flood events.
Common Floodplain Management Terms
Building in and Around a Floodplain
Other Important Resources
National Flood Insurance Program (NFIP)
Most homeowner insurance policies do not cover damage caused by flooding. The NFIP was created to enable property owners in participating communities, including Bonner County, to purchase insurance protection against losses from flooding. This insurance is designed to provide an insurance alternative to disaster assistance to meet the escalating costs of repairing damage to buildings and their contents caused by floods. Participation in the NFIP is based on an agreement between local communities and the Federal Government that states if a community will adopt and enforce a floodplain management ordinance to reduce future flood risks to new construction in Special Flood Hazard Areas, the Federal Government will make flood insurance available within the community as a financial protection against flood losses. Properties that have been officially identified as being in a Special Flood Hazard Area and that have a federally backed mortgage are required to participate in the National Flood Insurance Program.
Community Rating System (CRS)
The Community Rating System is a voluntary program for recognizing and encouraging community floodplain management activities that exceed the minimum standards set up for the National Flood Insurance Program. The program does this by adjusting flood insurance rates to reflect the reduced flood risks that are a result of community activities that reduce flood losses, facilitate accurate insurance ratings and promote awareness of flood insurance.
Bonner County participates in the CRS program which provides a reduction in flood insurance rates for citizens of Bonner County. The County’s class 8 CRS rating results in a 10 percent discount on flood insurance rates for residents and business owners. By participating in this program, we also provide better protection to people and property by enforcing higher development standards, providing public outreach and information, and other efforts.
Flood Safety & Preparedness