Kingston Springs, TN NFIP History

Kingston Springs joined the National Flood Insurance Program (NFIP) on June 11, 1984 to make flood insurance available to property owners and renters. The Kingston Springs Commission passed a Floodplain Management Ordinance that was recently updated and adopted.

Changes to National Flood Insurance Program Legislation

Beginning in 2012 Congress reformed the NFIP through the Biggert Waters Act and the Homeowners Flood Insurance Affordability Act (HFIAA).

FEMA Compliance with HFIAA:

ASFPM - FEMA sending letters to policyholders to clearly communicate flood risk - 
Wednesday, January 11, 2017

FEMA has now begun the next phase of implementation of Section 28, Clear Communication of Risk, of the Homeowner Flood Insurance Affordability Act of 2014, which requires the agency to clearly communicate full flood risk determinations to individual property owners. To meet this requirement, the National Flood Insurance Program reviewed the flood risk and underwriting information for every flood insurance policy, and is writing to all NFIP policyholders to explain the current risk level for their property and the relation of the risk to their premium rates.

Starting January 2017, policyholders will begin receiving letters about two months after their policy renews. Policyholders who renewed policies in October 2016 through December 2016 will also receive their first mailing. FEMA will continue to mail the letter at each subsequent renewal.

Because policy information varies from one policy to the next, the letters encourage policyholders to contact their insurance agent to discuss their unique situation, or visit to learn about their options.

All policyholders will eventually receive a letter upon the renewal of their policy. The NFIP has identified seven categories of policyholders to receive unique information based on their risk and current premium rates. The letters for each policyholder category are as follows:

  • Letter A: Newly mapped into the Special Flood Hazard Area, or high risk flood zone
  • Letter B: Standard X Zone (moderate risk), not grandfathered
  • Letter C: Standard X Zone (moderate risk), grandfathered
  • Letter D: Pre-FIRM subsidized, primary residences
  • Letter E: Pre-FIRM subsidized, non-primary residences and businesses
  • Letter F: Preferred Risk Policy (PRP)
  • Letter G: Post-FIRM, full risk

Information for insurance agents, copies of each category of letter, details about what each letter means, and tips for how individual policyholders can lower their flood risk (and potentially their flood insurance premiums) can be found at Here is a PDF of a list of Frequently Asked Questions.

As you are aware, HFIAA requires gradual insurance rate increases for properties currently receiving artificially low (or subsidized) rates, rather than immediate full-risk rate increases. HFIAA requires increases to premiums for most subsidized properties of no less than 5 to 15 percent annually, but no more than 18 percent for an individual policyholder--with limited exceptions--until the premium reaches its full-risk insurance rate.

The information that NFIP policyholders will receive, will help them make the best decisions about their flood risk, including how to better prepare for flooding disasters in their community.

Flood Insurance Flood Map (FIRM) Changes in Kingston Springs

After the devastating May 2010 flood in 45 Middle Tennessee Counties FEMA joined with the USACE, NWS, TEMA, TN State NFIP and other Federal, State, and Local Government Agencies to begin process of updating the FIRM maps for several areas. Cheatham County, TN and its cities were included in the restudy of the Harpeth and Cumberland River watersheds. 

The restudy of the areas produced new flood maps and data and a new Flood Insurance Study for the jurisdictions. Because of the changes to the Maps, Data, and Flood Insurance Study and 2 Presidential Executive Orders related to Floodplain Management it is necessary for the government of Kingston Springs to update the Floodplain Management Ordinance, Floodplain Management Program files and property owner notifications, Maps, and GIS system.

New Flood Maps
Additional requirements to comply with Presidential Executive Orders EO11988 and EO13690.

Flooding Overview -  While flood protection might be the last thing on the minds of Tennessee residents and business owners -- even those who live in low-to-moderate flood risk areas should consider purchasing a flood insurance policy now.

Residents of Giles County, TN can insure their home and contents through the NFIP, administered by FEMA. Businesses can insure structures and contents through the NFIP as well.

Kingston Springs Floodplain Management

The Kingston Springs, TN Commission appointed the City Manager as the Floodplain Administrators for the city. The City Manager is responsible for the Floodplain Management Program Administration. 

Your community uses a systematic approach to Floodplain Management, the Kingston Springs Floodplain Management Package and a Floodplain Management Training Module developed by Plans & More, LLP .

As the yearly spring rainy season approaches, Tennessee is facing another potential disaster.  Flood risk is higher as a direct result of the development along rivers and other watercourse, according to hazard mitigation specialists with the Federal Emergency Management Agency (FEMA). When development occurs impervious surfaces and structures replace trees and other vegetation that soak up rainwater are lost. Storm runoff can cause severe erosion, mudslides, and flooding.

View the Public Hearing Presentation for Floodplain Management. 

While the highest risk of flooding is to properties lying along Tennessee waterways, it also rises for homes adjacent to these areas. Such conditions are one reason flooding is the most common natural disaster in the U.S. Yet, homeowner insurance policies do not cover flood damage.

Now, homeowners, renters, condo owners/renters, and commercial owners/renters in the county can buy policies, although there is a 30-day waiting period before the coverage becomes effective.

Flood insurance is usually obtained from the same insurance agent where you purchase homeowners, renters, or commercial insurance policies, or a list of agents can be found on the NFIP Website.

The interactive website also offers an easy way to get the estimated annual cost of flood insurance for a specific address.

Plans & More, LLP Floodplain Management 2-Day Training Presentation.

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Planning Commission Brief Sharon Armstrong, Project Manager 1.) Active 2.) Medium August 11, 2016 0% 
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Rolling Updates

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  • ASFPM - FEMA sending letters to policyholders to clearly communicate flood risk FEMA sending letters to policyholders to clearly communicate flood risk - 11 January 2017FEMA has now begun the next phase of implementation of Section 28, Clear Communication of Risk, of ...
    Posted Jan 11, 2017, 10:21 AM by SHARON ARMSTRONG
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  • Planning Commission Brief - August 11, 2016 - 7:00 PM, Kingston Springs City Community Meeting Room Planning Commission NFIP Changes PresentationThere will be a short Planning Commission presentation on the changes to the Kingston Springs, TN Floodplain Management Program on 11 August 2016, at 7 ...
    Posted Aug 11, 2016, 11:03 AM by SHARON ARMSTRONG
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