TO: Board of County Commissioners
THROUGH: John A. Titkanich, Jr., County Administrator
Nancy A. Bunt, Assistant County Administrator
Addie Javed, P.E., Public Works Director
Matthew Soyka, P.E., Land Development Manager
FROM: Kari Cundiff, CFM, CRS Coordinator
Denise Boehning, ANFI, CFM - Coastal Waterways Design & Engineering, LLC
DATE: September 4, 2025
SUBJECT: Adoption of the Repetitive Loss Area Analysis (RLAA) to fulfill the Community Rating (CRS) Program requirements
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BACKGROUND
On July 3, 1978, Indian River County was accepted for participation in the National Flood Insurance Program (NFIP). In October 1992, the County also joined the Community Rating System (CRS) Program, which rewards communities that implement floodplain management activities exceeding the NFIP’s minimum requirements.
Under the CRS program, communities earn points for adopting and enforcing higher standards, which translate into discounts on residents’ flood insurance premiums. Indian River County is currently a Class 5 community, providing policyholders with a 25% discount on all flood insurance policies.
To achieve and maintain this rating, the County has adopted enhanced floodplain management standards. The foundation of these standards is found in Chapter 930 of the Stormwater Management and Flood Protection Code, first established in 1990 under Ordinance 90-16. On November 6, 2012, the Board of County Commissioners adopted Ordinance No. 2012-036, which revised the County’s floodplain management regulations to align with the Florida Building Code. These updates were adopted to reduce the County’s vulnerability to flooding and to improve resiliency against the increasing frequency and severity of flood events.
Participation in FEMA's CRS program requires communities to track and address repetitive loss (RL) properties - structures that have sustained repeated flood damage. Each year, FEM...
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