Information about the Community Rating System

Since 1990, the Community Rating System (CRS) has been a voluntary program for recognizing and encouraging community floodplain management activities exceeding the minimum NFIP standards. Flood insurance premiums for policyholders in a CRS-participating community are reduced to reflect the added flood risk protection that results from community activities supporting the following three goals: 

  1. reduce and avoid flood damage to insurable property;
  2. strengthen and support the insurance aspects of the flood insurance programs; and
  3. encourage a comprehensive approach to floodplain management. 

The implementation of these goals includes activities such as: ensuring newly built structures are elevated above minimum levels required by the NFIP to reduce potential flood damage; providing premium lowering CRS credit to communities that promote the purchase of flood insurance; and protecting portions of the floodplain from development. These credited activities are practical community-based floodplain management practices which recognize resilience investments that reduce risk and increase pre-disaster mitigation. 

Thirty years after its creation, the CRS program continues to evolve to integrate continuous learning, improvement, and innovative resilience practices.

Community Rating System by State Bar Graph
Last updated April 22, 2022