Flood Insurance Costs Drop in Cobb Thanks to NFIP Rating Upgrade

A flood watch or warning logo with a yellow house-shaped image, exclamation point in middle, blue wavy water lines below. A Cobb County Courier logo is in the lower left hand corner

Due to an increase in Cobb County‘s rating by the National Flood Insurance Program (NFIP), Cobb residents are eligible for a 15 percent discount for flood insurance. The discount takes effect in April.

“We are excited to announce this recognition and share an example of stormwater services currently funded by our customers’ water and sewer fees,” said Judy Jones, Director of Cobb County Water System (CCWS). “Cobb County is committed to providing quality stormwater management services and is pleased that our efforts to manage stormwater and protect and educate residents have resulted in a tangible benefit for so many local families.”

Why is flood insurance important?

With climate change exacerbating extreme weather events globally, flooding has become an increasingly common threat, rendering homes vulnerable to significant damage. 

As unpredictable weather patterns persist, homeowners face heightened risks of property destruction and financial loss due to flooding. 

Obtaining flood insurance is a crucial safeguard against such perils, providing homeowners with a layer of protection to mitigate the substantial costs of repairs and replacements in the aftermath of floods. 

Without adequate coverage, homeowners may find themselves burdened with overwhelming expenses, jeopardizing their financial stability and ability to recover effectively from the devastating impacts of flooding.

What did Cobb County do to improve its rating?

Cobb County has been active in the NFIP’s Community Rating System (CRS) program for over thirty years. In 1997, it received a rating that resulted in a 10 percent discount for residents.

Now, according to a news release posted on the county’s website:

Cobb County’s rating improved recently after officials with NFIP assessed the Water System’s floodplain management activities. 

This included acquiring land susceptible to flooding, widening stream buffers, creating dam breach zone mapping below Category I dams, and increasing public education through social media.

What is the National Flood Insurance Program (NFIP)

The National Flood Insurance Program (NFIP) is a federal program managed by the FEMA and available to the public from a network of more than 50 insurance companies and the NFIP Direct.

According to the FEMA website:

The NFIP provides flood insurance to property owners, renters and businesses, and having this coverage helps them recover faster when floodwaters recede. The NFIP works with communities required to adopt and enforce floodplain management regulations that help mitigate flooding effects.

Flood insurance is available to anyone living in one of the almost 23,000 participating NFIP communities. Homes and businesses in high-risk flood areas with mortgages from government-backed lenders are required to have flood insurance.

How does a homeowner buy flood insurance?

You can buy flood insurance from the same agent who sells you home and car insurance. If you need help finding a provider, visit  FloodSmart.gov/flood-insurance-provider or call the NFIP at 877-336-2627.

About Cobb County

Cobb County is the third most populous county in Georgia, smaller only than Fulton and Gwinnett counties.

Early History

The county was established in 1832, and is named after Thomas Willis Cobb, a U.S. Congressman, Senator, and Supreme Court judge. Cobb was formed from a portion of Cherokee County.

Marietta, the county seat, was incorporated in 1834, becoming a vital center for trade and governance. 

Government Structure

Cobb County’s governance is anchored by the Board of Commissioners, consisting of a Chairman and four Commissioners. Each member is elected—the Chairwoman at large and the Commissioners from their respective districts. This body holds the dual role of enacting county policies and overseeing the administration of county services. The Chairwoman also has specific duties, such as presiding over board meetings and acting as the official county spokesperson.

Key Departments and Services

Cobb County’s government is organized into departments focusing on different aspects of community life. These include Public Safety, which encompasses police and fire services; Transportation, tasked with maintaining and improving roadways and public transit; Community Development, which handles zoning and land use; and Parks and Recreation, which manages public parks and community centers. Each department aims to fulfill its responsibilities efficiently, though effectiveness can vary based on funding, policy decisions, and community needs.

The current board is:

ChairwomanLisa Cupid
District 1 CommissionerKeli Gambrill
District 2 CommissionerJerica Richardson
District 3 Commissioner JoAnn Birrell
District 4 Commissioner Monique Sheffield

The U.S. Census Bureau gives the following quick facts about the county:

Population Estimates, July 1 2021, (V2021)766,802
Population estimates base, April 1, 2020, (V2021)766,149
Population, percent change – April 1, 2020 (estimates base) to July 1, 2021, (V2021)0.1%
Population, Census, April 1, 2020766149
Population, Census, April 1, 2010688078
Age and Sex
Persons under 5 years, percent5.6%
Persons under 18 years, percent22.7%
Persons 65 years and over, percent13.3%
Female persons, percent51.3%
Race and Hispanic Origin
White alone, percent61.7%
Black or African American alone, percent(a)29.2%
American Indian and Alaska Native alone, percent(a)0.5%
Asian alone, percent(a)5.7%
Native Hawaiian and Other Pacific Islander alone, percent(a)0.1%
Two or More Races, percent2.8%
Hispanic or Latino, percent(b)13.7%
White alone, not Hispanic or Latino, percent50.2%
Population Characteristics
Veterans, 2016-202040562
Foreign born persons, percent, 2016-202015.6%
Housing units, July 1, 2021, (V2021)311450
Owner-occupied housing unit rate, 2016-202065.8%
Median value of owner-occupied housing units, 2016-2020$273,900
Median selected monthly owner costs -with a mortgage, 2016-2020$1,672
Median selected monthly owner costs -without a mortgage, 2016-2020$474
Median gross rent, 2016-2020$1,264
Building permits, 20213247
Families & Living Arrangements
Households, 2016-2020283359
Persons per household, 2016-20202.63
Living in same house 1 year ago, percent of persons age 1 year+, 2016-202084.6%
Language other than English spoken at home, percent of persons age 5 years+, 2016-202020.5%
Computer and Internet Use
Households with a computer, percent, 2016-202097.2%
Households with a broadband Internet subscription, percent, 2016-202093.3%
High school graduate or higher, percent of persons age 25 years+, 2016-202092.6%
Bachelor’s degree or higher, percent of persons age 25 years+, 2016-202048.4%
With a disability, under age 65 years, percent, 2016-20206.2%
Persons without health insurance, under age 65 years, percent13.8%
In civilian labor force, total, percent of population age 16 years+, 2016-202069.6%
In civilian labor force, female, percent of population age 16 years+, 2016-202064.3%
Total accommodation and food services sales, 2017 ($1,000)(c)2056579
Total health care and social assistance receipts/revenue, 2017 ($1,000)(c)5569500
Total transportation and warehousing receipts/revenue, 2017 ($1,000)(c)1536858
Total retail sales, 2017 ($1,000)(c)18543691
Total retail sales per capita, 2017(c)$24,615
Mean travel time to work (minutes), workers age 16 years+, 2016-202031.2
Income & Poverty
Median household income (in 2020 dollars), 2016-2020$80,830
Per capita income in past 12 months (in 2020 dollars), 2016-2020$41,480
Persons in poverty, percent9.2%
Total employer establishments, 202021492
Total employment, 2020358927
Total annual payroll, 2020 ($1,000)21780372
Total employment, percent change, 2019-2020-0.3%
Total nonemployer establishments, 201986497
All employer firms, Reference year 201717066
Men-owned employer firms, Reference year 201710386
Women-owned employer firms, Reference year 20173537
Minority-owned employer firms, Reference year 20173058
Nonminority-owned employer firms, Reference year 201712177
Veteran-owned employer firms, Reference year 20171204
Nonveteran-owned employer firms, Reference year 201713909
Population per square mile, 20202254.8
Population per square mile, 20102026.4
Land area in square miles, 2020339.78
Land area in square miles, 2010339.55