This page provides fact sheets, contact information, a national map of participating communities, details about how community discounts are calculated, and other information about the Community Rating System.
As a part of the National Flood Insurance Program (NFIP), the Community Rating System is a voluntary incentive program that recognizes and encourages community floodplain management activities that exceed the minimum program 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 Community Rating System:
- Reduce flood damage to insurable property;
- Strengthen and support the insurance aspects of the National Flood Insurance Program, and
- Encourage a comprehensive approach to floodplain management.
For more information about the flood insurance program, visit FloodSmart.gov.
Community Rating System Brochure
This brochure, NFIP Community Rating System: The Local Official's Guide to Saving Lives, Preventing Property Damage and Reducing the Cost of Flood Insurance introduces the National Flood Insurance Program Community Rating System as a way of promoting the awareness of flood insurance.
Community Rating System Fact Sheets
Community Rating System Award for Excellence
The Award for Excellence recognizes an individual who has provided leadership in the area of alerting residents to the dangers of flooding and promoting the purchase of flood insurance through the National Flood Insurance Program. Click here to learn about the Award for Excellence.
How are Flood Insurance Premium Discounts Calculated?
For National Flood Insurance Program Community Rating System participating communities, flood insurance premium rates are discounted in increments of 5 percent. A Class 10 is not participating in the Community Rating System and receives no discount. A Class 9 community would receive a 5 percent discount to a Class 1 community which would receive a 45 percent premium discount.
The Community Rating System classes for local communities are based on 18 creditable activities, organized under four categories:
- Public Information;
- Mapping and Regulations;
- Flood Damage Reduction; and
- Flood Preparedness.
The table below shows the credit points earned, classification awarded and premium reductions given for communities in the National Flood Insurance Program Community Rating System.
|Credit Points||Class|| Premium Reduction|
SFHA* by percent (%)
Non-SFHA** by percent (%)
4,000 – 4,499
3,500 – 3,999
3,000 – 3,499
2,500 – 2,999
2,000 – 2,499
1,500 – 1,999
1,000 – 1,499
500 – 999
0 – 499
*Special Flood Hazard Area
Premium reductions are subject to change.
Community Rating System Coordinator's Manual
The Coordinator’s Manual includes the schedule, which sets the criteria for the Community Rating System classification and commentary on the schedule.
- Section 100 gives general background information on the Community Rating System.
- Section 200 explains the application and verification procedures.
- Sections 300 through 700 explain the credit points and calculations that will be used to verify Community Rating System credit.
The procedures in these sections are used by a community to submit a modification for a better Community Rating System classification.
Community Rating System Communities and their Classes
These pages are from the most recent Flood Insurance Agent's Manual containing current and historical listings of all Community Rating System communities, their classes and insurance discount.
Numbers of Community Rating System Communities by State
This link shows how many communities participate in the program in each state and the distribution of communities by class in each Community Rating System Class.
Community Rating System Participation National Map
The participation map of the nation shows the wide range of communities that participate in the Community Rating System. Participation attracts all kinds of communities including small, large, inland, coastal, arid, etc. The map also includes the approximate territories served by the ISO Field Specialists who work with individual communities.
Community Rating System Participation by FEMA Region Maps
The Community Rating System FEMA Regional map indicates communities that participate in the program and from which states.
Community Rating System Participation by State Maps
The Community Rating System state maps depict communities that participate in the program and communities with the greatest risk to flooding, as measured by the number of flood insurance policies in effect.
Community Rating System Series and Activity Posters
These posters provide simplified descriptions of the program. The 2013 Coordinator’s Manual changes are highlighted. The posters explain and promote the program. The files are formatted to print large posters suitable for wall display.
Community Rating System Overview, Prerecorded Presentation
This nine minute narrated Powerpoint presentation is an introduction to the Community Rating System and is suitable for viewers with little or no familiarity with the program.
Webinars on the Community Rating System
For communities in the National Flood Insurance Program that are not participating in the Community Rating System, FEMA presented the CRS Webinar Series as an introduction to the program.
Go to //atkinsglobalna.webex.com/tc and type “CRS” in the search field to view webinars that are now open for registration.
If you have questions about the CRS Webinar Series, please contact Becca.Croft@atkinsglobal.com.
NFIP/CRS Update Newsletter
The CRS Update Newsletter is a publication to provide local officials and others interested in the Community Rating System with news they can use. To sign up for CRS e-mail updates click on the link below,
- February / March 2020 Newsletter
- October / November 2019 Newsletter
- August / September 2019 Newsletter
- June / July 2019 Newsletter
- April / May 2019 Newsletter
- February / March 2019 Newsletter
- January 2019 Newsletter
- October / November 2018 Newsletter
- August 2018 Newsletter
- July 2018 Newsletter
- May 2018 Newsletter
- March 2018 Newsletter
- January 2018 Newsletter
- October 2017 Newsletter
- August 2017 Newsletter
- June 2017 Newsletter
- April 2017 Newsletter
- February 2017 Newsletter
- December 2016 Newsletter
- October 2016 Newsletter
- August 2016 Newsletter
- June 2016 Newsletter
- April 2016 Newsletter
- February 2016 Newsletter
- December 2015 Newsletter
- October 2015 Newsletter
- August 2015 Newsletter
- June 2015 Newsletter
- April 2015 Newsletter
- February 2015 Newsletter
- November 2014 Newsletter
- September 2014 Newsletter
- July 2014 Newsletter
- February 2014 Newsletter
- December 2013 Newsletter
- October 2013 Newsletter
- July 2013 Newsletter
- May 2013 Newsletter
- March 2013 Newsletter
- January 2013 Newsletter
- August 2012 Newsletter
- June 2012 Newsletter
- March 2012 Newsletter
- February 2012 - Special Edition
- January-April 2011 Newsletter
- October-December 2010 Newsletter
- April-May 2010 Newsletter
- February 2010 Newsletter
- December 2009 Newsletter
- October 2009 Newsletter
- August 2009 Newsletter