Community Rating System

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The National Flood Insurance Program's (NFIP) Community Rating System (CRS) is a voluntary incentive program that recognizes and encourages community floodplain management activities that exceed the minimum NFIP requirements. As a result, flood insurance premium rates are discounted to reflect the reduced flood risk resulting from the community actions meeting the three goals of the CRS: to reduce flood losses, to facilitate accurate insurance rating, and to promote the awareness of flood insurance.

For CRS participating communities, flood insurance premium rates are discounted in increments of 5%; i.e., a Class 1 community would receive a 45% premium discount, while a Class 9 community would receive a 5% discount (a Class 10 is not participating in the CRS and receives no discount).

The CRS classes for local communities are based on 18 creditable activities, organized under four categories.

Objective: The objective of the CRS is to reward communities that are doing more than meeting the minimum NFIP requirements to help their citizens prevent or reduce flood losses. The CRS also provides an incentive for communities to initiate new flood protection activities. The goal of the CRS is to encourage, by the use of flood insurance premium adjustments, community and State activities beyond those required by the National Flood Insurance Program to:

  • Reduce flood losses, e.g.
  • Protect public health and safety
  • Reduce damage to buildings and contents
  • Prevent increases in flood damage from new construction
  • Reduce the risk of erosion damage
  • Protect natural and beneficial floodplain functions
  • Facilitate accurate insurance rating
  • Promote the awareness of flood insurance.

Purpose and Scope: When your community participates in the CRS, everyone benefits, including those who don't live or own property in a floodplain. Even when there is no flooding, your community's public information and floodplain management efforts can improve the quality of life, protect the environment, make people safer, and save everyone money.

Additional information regarding the Community Rating System External Link Icon can be found on the FEMA website.

Questions and Helpful Publications: (Under Construction)

  • How does Flood Insurance Work?
  • How does the NFIP Work?
  • What are some MYTHS & FACTS about the NFIP?
  • What is NFIP Summary of Coverage?
  • What is Residential Insurance Coverage?
  • What is Condo Owner Coverage?
  • What is Contents Only Coverage?
  • What are facts about Living Behind a Levee?
  • What are some Floodsmart facts for the Public?