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National Flood Insurance Program Community Rating System

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 NFIP 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:

  1. Reduce flood damage to insurable property;
  2. Strengthen and support the insurance aspects of the NFIP, and
  3. Encourage a comprehensive approach to floodplain management.

For more information about the NFIP, visit

Community Rating System Brochure

This brochure, NFIP CRS: 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 Fact Sheet

Changes to the Community Rating System in 2013

Considerations for Community CRS Coordinators after a Major Flood

Community Rating System Credit for High Water Mark Initiative

Small Communities in the Community Rating System

Tsunami Outreach and the Community Rating System

Tsunami Preparedness and the Community Rating System

The Community Rating Sytem works to Protect Natural Floodplains

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:

  1. Public Information;
  2. Mapping and Regulations;
  3. Flood Damage Reduction; and
  4. 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 PointsClass Premium Reduction
SFHA* by percent (%)
Premium Reduction
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
**Preferred Risk Policies are available only in B, C and X Zones for properties that are shown to have a 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 Rating System credit for AR and A99 Zones are based on non-Special Flood Hazard Areas (non-SFHAs) (B, C and X Zones). Credits include:

  • Classes 1-6, 10 percent
  • Classes 7-9, 5 percent

Premium reductions are subject to change.

Additional Resources

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 // 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

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,

GovDelivery icon Sign up for CRS email updates

Last Updated: 
01/10/2020 - 09:23