Community assessment system of the national flood insurance program
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 (NFIP). More than 1,500 communities participate nationwide.
In CRS communities, flood insurance premium rates are discounted to reflect the reduction in flood risk resulting from community efforts that meet the three program objectives:
- Reduce and avoid flood damage to insurable property
- Strengthen and support the insurance aspects of the national flood insurance program
- Promote comprehensive management of floodplains
Events to come
Aug 23, 2021 12:01 AM EST
– Oct 22, 2021 11:59 PM EST
FEMA published a Request for Information notice in the Federal Register seeking public comment on the National Flood Insurance Program’s Community Rating System (CRS).
Community Assessment System Coordinator’s Manual
The coordinator’s manual is the guide to the community assessment system. The coordinator’s manual explains how the program works, how credits are calculated, what documentation is required, and how class grades are determined. It also serves as a guide for communities to improve their flood loss reduction and resource protection activities.
The current coordinator’s manual is the 2017 edition.
– Section 100 gives general information about CRS.
– Article 200 explains the application and verification procedures.
– Sections 300 to 700 explain the credit score and calculations used to verify CRS credit.
In January 2021, an addendum to the coordinator’s manual came into effect. The 2021 Addendum and the 2017 CRS Coordinator’s Manual will together constitute the official reporting of CRS credits and procedures. Both of these documents will remain in effect until a fully revised edition of the Coordinator’s Manual is issued in the future.
Frequently Asked Questions About Addendum 2021
Community Assessment System Forms
These forms are used by communities wishing to apply to CRS as well as by communities already participating. The forms and their purposes are explained in the CRS Coordinator Manual, 2017 edition, as updated by Addendum 2021. The forms can also be obtained from the ISO / CRS specialist in a community.
This package includes a Letter of Interest and a “Quick Check” form, both of which are used by a community to apply to CRS and request its initial classification from CRS.
These certification forms are part of the documentation required to obtain credits for certain activities within the framework of CRS.
CRS communities use these forms to certify compliance with relevant environmental and historical preservation requirements necessary to obtain CRS credit for certain activities.
CRS communities use this form to submit corrections and updates to the list of recurring flood loss properties in their jurisdictions.
Currently eligible CRS participating communities
Consult the list of communities participating in the Community Rating System. These communities have become eligible on April 1, 2021.
Future participating communities
You can also preview the next community rating system documents that list communities becoming eligible as of October 1, 2021: PDF | Excel
CRS Fact Sheets
The CRS program provides CRS fact sheets to highlight information that is relevant over many years or that may be relevant to a current or specific topic. Examples of fact sheets on a current or specific topic may apply to the recovery phase of a particular disaster or to the start of a new CRS program initiative. In 2021, several CRS fact sheets are planned for production. They will be posted as soon as they are available.
Community assessment system
How are the discounts on flood insurance premiums for CRS communities calculated?
Flood insurance premium rates in Community Rating System communities are reduced in 5% increments. A class 10 community does not participate in CRS and does not benefit from any discount. A class 9 community benefits from a 5% discount for all policies in its special flood risk areas, a class 8 community benefits from a 10% discount, up to a class 1 community, which benefits from a 45% premium discount.
The classifications are based on 19 eligible activities, organized into four categories:
- Public information
- Cartography and regulations
- Reduction of flood damage
- Warning and response
The table below shows the credit points earned, the classification assigned and the bonus reductions.
CRS credit points, courses and premium discounts
|Credit points||To classify|| Premium reduction
|4000 – 4499||2||40%||ten%|
|3,500 – 3,999||3||35%||ten%|
|3000 – 3499||4||30%||ten%|
|2,500 – 2,999||5||25%||ten%|
|2,000 – 2,499||6||20%||ten%|
|1,500 – 1,999||7||15%||5%|
|1,000 – 1,499||8||ten%||5%|
|500 – 999||9||5%||5%|
|0 – 499||ten||0||0|
* Special area at risk of flooding
** Preferential risk policies are only available in Zones B, C and X for properties that present minimal risk of flood damage. The preferred risk policy does not receive premium rate credits under the community rating system because it already has a lower premium than other policies. The community assessment system credit for zones AR and A99 is based on non-special (non SFHA) flood risk zones (zones B, C and X).
Credits include: Classes 1 – 6 at 10%. Classes 7 to 9 to 5%. Premium reductions are subject to change.
Managing Flood Plains Saves Money: Local Examples
Portland, Oregon residents now save 25% on flood insurance premiums – an average of $ 365 per policy in the special flood zone – thanks to Portland’s continued focus on management of the plains flood risk and flood risk reduction.