The City of Plano participates in the National Flood Insurance Program (NFIP) of the Federal Emergency Management Agency (FEMA). As a participating community, the City has adopted Floodplain Management practices through several ordinances that severely limit the development allowed in 100-year floodplains (the area inundated by a storm that has a 1% chance of happening in any year). For property with any portion located within the 100-year floodplain, regardless of structure location, a flood insurance policy may be required.

The City of Plano standards require all new structures be constructed two feet above the ultimate 100-year water surface elevation.  When developing along a major creek within the City of Plano, the developer must submit a Flood Study to the City showing the 100-year water surface elevation based on both current land-use and future land-use assumptions.

Community Rating System (CRS) 

The City of Plano participates in the Community Rating System (CRS). The CRS is a subset of the NFIP. It is a voluntary incentive program, which recognizes and encourages community floodplain management activities which exceed the minimum NFIP requirements.

As a result, flood insurance premium rates are discounted to reflect the reduced flood risk resulting from the community’s actions meeting the three goals of the CRS:

  1. Reduce flood losses,
  2. Facilitate accurate insurance rating, and
  3. 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 September 2012, the City of Plano has a CRS ranking of 5, which qualifies residents for a 25% discount on flood insurance premiums for properties in the SFHA.