As a River City, Louisville has its fair share of floodplain and drainage issues. Flooding can occur from Ohio River flooding, flash flooding from interior streams, and flooding from overloaded storm systems. Louisville Metro is a participant in the National Flood Insurance Program (NFIP), and MSD is responsible for enforcing the local Floodplain Management Ordinance and for administrating both the National Flood Insurance Program and Floodplain Management Program. Tasks include issuing floodplain permits and maintaining the flood protection system, Flood Insurance Rate Maps, Flood Insurance Studies, drainage system, as well other stormwater related tasks.
To encourage communities to establish sound floodplain management programs that go beyond the NFIP minimum requirements, in 1990 the Community Rating System (CRS) was created by FEMA. Louisville Metro participates in the CRS program and as of 2016, has achieved a Class 3 Rating, which awards residents in the community with up to a 35% discount on flood insurance premiums. Click Community Rating System - CRS icon below to learn more about the program.