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Biloxi, Miss. earns Discount on Flood Insurance Premiums

English: Bay St. Louis, MS, December 11, 2007 ...

English: Bay St. Louis, MS, December 11, 2007 — A resident looks through new preliminary flood map information at an open house in Hancock County. The event kicks off the process for community adoption of the Digital Flood Insurance Rate Maps to meet requirements of the National Flood Insurance Program. Jennifer Smits/FEMA (Photo credit: Wikipedia)

ATLANTA – Biloxi residents with flood insurance policies will now
receive a decrease on their annual flood premiums thanks to the city’s
active participation in the National Flood Insurance Program’s Community
Rating System

FEMA Region IV Floodplain Management and Insurance
Branch Chief Susan Wilson recognized Biloxi officials today with a
plaque for the city’s efforts in becoming the third city in the state to
earn a Class 5 community rating.

“Reaching a Class 5 rating is so
rare nationwide that it really speaks to the local officials and their
hard work and determination,” Wilson said. “They understand the extra
effort isn’t just for a decrease to insurance premiums, but it is
ensuring the entire city is more resistant to flood damage and more
disaster resilient overall.”

The CRS rewards communities that
voluntarily take steps to reduce flood risks beyond the minimum
requirements of the NFIP.  These steps, which include increasing flood
protection and implementing preparedness and mitigation activities, lead
to safer communities and ultimately help saves lives and property. As a
result, property owners and renters in CRS-participating communities
enjoy a reduction in flood insurance premiums. Communities are ranked
from a 10 to 1 scale which determines their flood insurance discounts.

policyholders began receiving flood insurance discounts from the CRS
program in 1996. As a result of additional steps the community has
recently taken, the community moved from a CRS Class 6 to a CRS Class 5
effective May 1, earning an additional five percent savings on flood

There are more than 5,900 flood insurance policies in
Biloxi, representing more than $1.5 billion in flood insurance
coverage.  Policyholders located in the high risk areas of flooding, or
Special Flood Hazard Areas, can now receive a 25 percent discount on
their policy premium, which is an average savings of $285 per policy.
Some policyholders in the lower risk areas are eligible for a 10 percent
discount.  In total, policyholders realize an annual savings of more
than $437,000 because of the community’s CRS participation.

is a voluntary program for NFIP-participating communities. The intended
goals of the program are to reduce flood losses, facilitate accurate
insurance ratings and to promote the awareness of flood insurance.  The
two other Mississippi communities to earn a Class 5 rating are
Pascagoula and Waveland.

For more information on the NFIP’s CRS program visit www.fema.gov/business/nfip/crs.shtm.  For more information about the NFIP, a program administered by the Federal Emergency Management Agency (FEMA), visit www.floodsmart.gov.

Community Rating System Facts:

Nationwide Communities: 1,211

Nationwide Class 5:               66

Mississippi Communities:      29

Mississippi Class 5:                 3

mission is to support our citizens and first responders to ensure that
as a nation we work together to build, sustain, and improve our
capability to prepare for, protect against, respond to, recover from,
and mitigate all hazards.

The LAFD talks about ICE



Monday, August 06, 2012 |

Chances are that your e-mail inbox has filled with messages like this:

Make the Paramedics job easier with ICE. ICE stands for “In Case of Emergency”. If you add an entry to the contacts list of your cell phone under the name “ICE”, Paramedics will call that number if they find you unconscious or…

The Los Angeles Fire Department has received thousands of e-mail inquiries, all seeking to know “Is this true”?

The quick answer?

The original “ICE” concept for listing your personal emergency contact on a mobile phone is well known to LAFD responders. It is obviously an idea that gives people peace of mind – yet should not be relied upon as a sole source for personal identification or emergency contact.

It is important to note that the original ICE concept is both free and simple: you choose an appropriate person to be contacted in case of an emergency and label their phone number as “ICE”.

As one might anticipate, some businesses have sought to offer “fee-based” services and smart-phone applications related to ICE. Contrary to what some may infer, it is not necessary to register or pay money to make an ICE entry on your personal wireless phone.

Our friends at Snopes.com offer information about the history of ICE – and some regretful hoaxes that have followed. The Los Angeles Fire Department supports the original ICE concept as a free and potentially helpful tool in the minutes and hours that follow an emergency.


Contrary to e-mail warnings, ICE is not something that Paramedics rush to look for the instant they arrive at an emergency, and is certainly not required for LAFD Paramedics to provide quick, focused and compassionate emergency care.

We tell people: Add ICE contact information in your cell phone only after you’ve affixed similar information to (or near) the official photo identification you routinely carry in your wallet.


With so many types of wireless phones, it can take precious minutes to learn how to access a phone’s directory. Many wireless devices are also found to be locked, damaged or have discharged batteries following an incident, rendering ICE unusable.

Please encourage your interested friends and colleagues to make a free ICE entry in their cell phone, especially if it will give them peace of mind – but never at the expense of written emergency contact and medical information.

The free original ICE concept works best when it is part of a comprehensive family or business plan for dealing with emergencies and disasters.

Whenever you have a question about the policies and procedures that Firefighter/Paramedics use in handling emergencies, do not hesitate to visit your Neighborhood Fire Station.

Submitted by Brian Humphrey, Spokesman
Los Angeles Fire Department