Community Rating System

Community Rating System (CRS)

The Community Rating System is a voluntary program of the National Flood Insurance Program. Through the CRS, communities that are undertaking floodplain management activities that exceed the minimum floodplain management requirements of the NFIP earn reductions in the flood insurance premiums of their residents resulting in more affordable flood insurance.

Read more in the CRS Manual here.

The Village of Midlothian has finally received its CRS Class 7 rating, effective May 1, 2018!!

What does this mean for you?

Midlothian's property owners in certain designated flood zones will now qualify for a discount of up to 15% on their FEMA-required flood insurance premiums.  In order to qualify for this type of premium discount, FEMA requires the  municipality to adhere to higher standards of development/building practices and more than the "bare minimum" of stormwater management practices.  


Midlothian’s Building Department will continue to follow the Village ordinance and CRS guidelines for all developments and improvements in flood zones and Public Works will continue infrastructure improvements to alleviate storm sewer overflows.  The Village Board and Staff are committed to CRS and will continue to pursue a better rating for higher discounts for our property owners. Please share this letter with your Flood Insurance Agent and Carrier.

Is your property in a flood zone?

Check it out on this Midlothian Flood Viewer Map. Click the “Layer” icon at the bottom of the page and then check the “National Flood Hazard Layer” from the layer list.  From there you can type the property address in the search bar.

Flood Resources

Information on whether your property is in the 100-year floodplain can be obtained from the Building Department or by checking on FEMA's website.

If you have flooding or drainage problems on your property, contact the Building Superintendent for solutions. He can be reached at (708) 385-8642.

It is illegal to dump materials, yard waste or debris into a required waterway and violators may be fined. (515 ILCS 5/5-5). If you see someone dumping debris in our water courses or suspect any other illegal activity, please contact the Police Department at (708) 385-2534.

Links to Other Resources:

Homeowners Insurance Doesn't Cover Floods
Preferred Risk Policy
Build Back Safer and Stronger
ASSE Tips for Flood-Related Mold
IAFSM - Illinois Association for Floodplain and Stormwater Management
Flood Information from FEMA
Guide To Flood Protection In Northeastern Illinois
USGS - U.S. Geological Survey Water Resources Internet Tools
National Academies of Science * Engineering * Medicine

Be Prepared / Are you RainReady?

CNT's RainReady? initiative helps individuals and communities work together to find solutions to the problems of too much or too little water. For more information, please visit our RainReady page.

Looking for information on the Natalie Creek Project?

Click here to learn more about the Natalie Creek project and how it will reduce flood risks for property owners along the Natalie Creek.


Building Code Enforcement Evaluation Report

Building Code Effectiveness Grading Schedule Results