What is the Community Rating System?
In this article we look at what is the community rating system
The Community Rating System (CRS) is a voluntary incentive program that recognizes and encourages community floodplain management practices that exceed the minimum requirements of the National Flood Insurance Program.
Flood insurance premium rates are discounted to reflect the reduced flood risk resulting from the community’s efforts that address the three goals of the program:
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Reduce and avoid flood damage to insurable property
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Strengthen and support the insurance aspects of the National Flood Insurance Program
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Foster comprehensive floodplain management
| Rate Class |
Discount for SFHA |
Discount for Non-SFHA |
Credit Points Required |
| 1 |
45% |
10% |
4500 + |
| 2 |
40% |
10% |
4000-4499 |
| 3 |
35% |
10% |
3500-3999 |
| 4 |
30% |
10% |
3500-3499 |
| 5 |
25% |
10% |
3000-2999 |
| 6 |
20% |
10% |
2500-2499 |
| 7 |
15% |
5% |
1500-1999 |
| 8 |
10% |
5% |
1000-1499 |
| 9 |
5% |
5% |
500-999 |
| 10 |
0% |
0% |
0-499 |
How can a community get points?
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Elevation certificates for new construction
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Map information service
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Outreach Projects
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Hazard Disclosure
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Flood Protection Information
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Flood Protection Assistance
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Flood Insurance Promotion
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Floodplain Mapping
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Open Space Preservation
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Higher Regulatory Standards
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Flood Data Maintenance
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Stormwater Management
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Floodplain management Planning
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Acquisition and Relocation
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Flood Protection
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Drainage System Maintenance
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Flood Warning and Response
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Levees
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Dams
