Discounts on Flood Insurance
Case Studies, Blogs & Fact Sheets
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). Over 1,500 communities participate nationwide.
In CRS communities, 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:
The brochure, Community Rating System: The Local Official's Guide to Saving Lives, Preventing Property Damage and Reducing the Cost of Flood Insurance introduces the Community Rating System as a way of promoting the awareness of flood insurance.
Community Rating System (CRS) Program Update
FEMA’s Community Rating System Program experienced a disruption in services from April 1 through May 12, 2024. FEMA was only able to provide basic and limited CRS information during this interruption. Services resumed on May 13. The interruption in services has been resolved.
Review Frequently Asked Questions about this disruption.
The Coordinator’s Manual is the guidebook for the Community Rating System. The Coordinator’s Manual explains how the program operates, how credits are calculated, what documentation is required, and how class ratings are determined. It also acts as guidance for communities in enhancing their flood loss reduction and resource protection activities.
The current Coordinator’s Manual is the 2017 Edition.
These forms are used by communities that wish to apply to the CRS and also by communities that already participate. The forms and their purposes are explained in the CRS Coordinator’s Manual, 2017 edition, as updated by the 2021 Addendum. The forms can also be obtained from a community’s ISO/CRS Specialist.
This packet includes a letter of interest and a “quick check” form, both of which are used by a community to apply to the CRS and request its initial CRS classification.
CRS communities use this form to submit corrections and updates to the list of repetitive flood loss properties within their jurisdictions.
CRS communities can use this sample transmittal worksheet to provide community official contact information.
These certification forms are part of the documentation needed to obtain credit for certain activities under the CRS.
CRS communities use these forms to certify compliance with pertinent environmental and historic preservation requirements, needed to obtain CRS credit for certain activities.
View the Community Rating System eligible communities, effective October 1, 2023.
October 2023 CRS Eligible Communities - PDF
October 2023 CRS Eligible Communities - Excel
The CRS Communities Credit File provides detailed data about the credit points each CRS community receives. Individuals desiring greater understanding of this data can find explanations in the CRS Coordinator's Manual.
CRS Communities Credit File
You can also preview upcoming Community Rating System participation information below.
April 2024 CRS Eligible Communities - PDF
April 2024 CRS Eligible Communities - Excel
Flood insurance premium discounts in CRS communities range from 5% to 45% and are discounted in increments of 5%. A Class 10 community is not participating in the CRS and receives no discount. A Class 9 community receives a 5% discount for all policies, a Class 8 community receives a 10% discount, all the way to a Class 1 community, which receives a 45% premium discount.
Classifications are based on the community’s CRS credit points obtained in 19 creditable activities. The CRS activities are organized in four categories:
Under the National Flood Insurance Program’s pricing approach, the CRS discount is applied to the full-risk premium for all NFIP policies in the Regular Program in a participating community, including policies outside of the Special Flood Hazard Area (SFHA).
An individual’s NFIP policy may be excluded from receiving the CRS discount if their structure is deemed to be not in compliance with community floodplain management regulations. Individuals should work with their local FPA to regain eligibility for the CRS discount. Review the National Violation Tracker and CRS Discount Exclusions fact sheet for more information.
The table below shows the credit points earned, classification awarded and premium reductions.
| CRS Credit Points | CRS Class | CRS Discount (Premium Reduction) |
|---|---|---|
| 4,500+ | 1 | 45% |
| 4,000 – 4,499 | 2 | 40% |
| 3,500 – 3,999 | 3 | 35% |
| 3,000 – 3,499 | 4 | 30% |
| 2,500 – 2,999 | 5 | 25% |
| 2,000 – 2,499 | 6 | 20% |
| 1,500 – 1,999 | 7 | 15% |
| 1,000 – 1,499 | 8 | 10% |
| 500 – 999 | 9 | 5% |
| 0 – 499 | 10 | 0 |
The data visualizations below allow users to search, visualize and interact with data connected to the CRS. There are two tabs to navigate, CRS Participation and State Profiles, which include participation maps and community lists, classification charts, state vs. national comparisons, and scoring and insurance information. By hovering, clicking, and filtering, users can drill down into the information that’s most useful to them.
