As of October 2015, the Town of East Fishkill is a participant in the Community Rating System (CRS).

FEMA’s National Flood Insurance Program's (NFIP's) Community Rating System (CRS) is a voluntary incentive program that recognizes communities for implementing floodplain management practices that exceed the Federal minimum requirements of the NFIP to provide protection from flooding.

In exchange for a community's proactive efforts to reduce flood risk, policyholders can receive reduced flood insurance premiums for buildings in the community. These reduced premiums reflect the reduced flood risk resulting from community efforts toward achieving the three CRS goals:

  1. Reduce flood damage to insurable property
  2. Strengthen and support the insurance aspects of the NFIP
  3. Encourage a comprehensive approach to floodplain management

Under the CRS, communities are rewarded for doing more than simply regulating construction of new buildings to the minimum national standards.  Under the CRS, the flood insurance premiums of a community’s residents and businesses are discounted to reflect that community’s work to reduce flood damage to existing buildings, manage development in areas not mapped by FEMA’s National Flood Insurance Program (NFIP), protect new buildings beyond the minimum NFIP protection level, preserve and/or restore natural functions of floodplains, help insurance agents obtain flood data, and help people obtain flood insurance.


Homeowner's insurance policies will NOT cover losses due to flooding.  Almost every residence or business located within the Special Flood Hazard Area (SFHA) requires flood insurance sold through most insurance companies.


New policies do not cover your property immediately!  There is a five-day waiting period before a flood insurance policy takes effect.  Don't call your insurance company today if the storm is expected will be too late!


East Fishkill entered the CRS as a Class 8 community.  As a Class 8 community, flood insurance policyholders will receive a 10% discount on their flood insurance premium.  If they are outside the SFHA and have flood insurance, they will receive a 5% discount.

If a resident has a Preferred Risk Policy (PRP), they will not receive a discount because PRP policies are already discounted.


For more information on flood insurance discounts, contact your Insurance Agent.  If you have questions about the CRS, contact the Building Department.  For more information on FEMA’s National Flood Insurance Program's (NFIP's) Community Rating System (CRS) see the link under Resources to the right.

The Town of East Fishkill Building Department is available to provide technical assistance regarding flood protection and hazard reduction to property owners, contractors, lenders, realtors, insurers and other interested citizens. This assistance includes: providing historical information (if available), current FEMA/FIRM data, review of construction and renovation plans and site visits to recommend appropriate protection measures.  For more information contact the:

East Fishkill Building Department

East Fishkill Town Hall

NYS Route 376

Hopewell Junction, New York 12533

(845) 221-2427 (voice) (845) 227-4018 (fax)

Open Monday through Friday 8:30 a.m. to 3:30 p.m.

Check out the Flood Awareness Facts for East Fishkill

Also see the Town's Environmental Downloads page for information on flooding and protecting your home.