As of this report, there are several repetitive loss properties that have either been mitigated or are in the application process. The County did show an increase in repetitive loss properties in 2022. Encouraging responsible growth in coastal areas.Building safely and carefully in vulnerable areas.Plan OverviewĮlements listed in Bay County's Hazard Mitigation Strategy provide cornerstones for floodplain management in a rapidly developing coastal community. Copies of the Bay County Hazard Mitigation Strategy are available at the Bay County Emergency Operations Center, the Bay County Development Services Department, and the main branch of the Bay County Public Library on West 11th Street. This document was completely updated in 2015 with a new floodplain management plan component. The Plan was revised and adopted in late 2005 to ensure compliance with the Disaster Mitigation Act 2000 and additional CRS planning requirements. The Bay County Hazard Mitigation Strategy was initially adopted by the Bay County Board of County Commissioners on Novemand has served as the Floodplain Management Plan since that time. The County has taken a number of measures to plan for such hazards, including participation in the National Flood Insurance Program (NFIP) and the Community Rating System. Due to historic development patterns, the County's population is largely clustered along the coast, meaning that, these hazards have the potential to seriously impact the safety of the general population and their property. Bay County is prone to flood hazards associated with hurricanes, tropical storms, and rainfall with high intensity or duration. 2022 Community Rating System Progress Report The next cycle evaluation is scheduled for November 2023. In the last cycle evaluation conducted in 2020, Bay County retained a Class 5 rating. This increased Bay County residents' discount to 25%. In 2008 Bay County increased their level of outreach programs and other activities and has improved their rating to a class 5. Implementation of a public awareness outreach program earned Bay County a class 7 rating, which provides for a 15% discount on flood insurance premiums. In February of 2004, the Board of County Commissioners established the Bay County CRS Strategy Team to develop a course of action that would improve Bay County's rating. Promote the awareness of flood insurance.Flood insurance premium rates are discounted to reflect the reduced flood risk resulting from the community actions meeting the three goals of the CRS:

The Community Rating System (CRS) is an incentive program that encourages community floodplain management activities that exceed the minimum National Flood Insurance Program's (NFIP) requirements.

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