National Flood Insurance Program
Communities participating in the National Flood Insurance Program must regulate to minimum standards in order to provide subsidized flood insurance to their citizen. The City of Wharton adheres to in its flood damage prevention ordinance is the requirement of all new construction and substantially improved structures to be built at a minimum of 12 inches above the base flood elevation.
For storage sheds and other accessory structure built in the some floodplain areas, flood vents are required (square feet = square inches of vent) if placed below the Base Flood Elevation (BFE). Contact the Code Enforcement Department for additional information.
Why Do I Need Insurance?
Community Rating System (CRS)
The City of Wharton patriciates in the Community Rating System (CRS) . The CRS is a subset of the NFIP. It is a voluntary incentive program, that recognizes and encourages community floodplain management activities which exceed the minimum National Flood Insurance Program (NFIP).
In addition to this, you will need to know more about it.
- Reduce flood losses
- Facilitate accurate insurance rating
- Promote the awareness of flood insurance
Community participation in the CRS is in addition to participation in the NFIP. Participation in the NFIP does not automatically include participation in the CRS. As of May 1, 2021 the City of Wharton has a CRS ranking of 9, which qualifies residents for a 5 percent discount on flood insurance premiums for properties in the floodplain.