About CRS
Monroe County's Role
Monroe County will explore the program requirements of the Community Rating System (CRS) through technical expertise and assistance to guide interested municipalities through the application process, as well as help maintain and enhance their participation in the program. CRS is a voluntary program under the Federal Emergency Management Agency (FEMA) National Floodplain Program (NFIP). The goal of the CRS is to reduce flood damages to insurable property, encourage both local hazard mitigation activities, and increase NFIP participation.
Enhancing management of floodplains is vital to reducing the impact of floods on our community.
National Flood Insurance Program
Community Rating System
Any community that is in full compliance with the NFIP may apply to join the CRS. CRS credit points are earned for a wide range of floodplain management activities, which are organized under four categories with 19 activities:
300 Series
click here to view series resources
400 Series
500 Series
600 Series
Benefits of the CRS
Save money
on flood insurance
Improve safety
& reduce impacts of flooding
Access
to floodplain expertise
CRS Credit Points, Classes & Premium Discounts
Participation in the CRS program can save you money! Flood insurance premium rates in Community Rating System communities are discounted in increments of 5%. The table below shows the credit points earned, classification awarded and premium reductions.
Credit Points | Class | Premium Reduction SFHA* | Premium Reduction Non-SFHA |
|---|---|---|---|
0 - 499 | 10 | 0 | 0 |
500 - 999 | 9 | 5% | 5% |
1,000 - 1,499 | 8 | 10% | 5% |
1,500 - 1,999 | 7 | 15% | 5% |
2,000 - 2,499 | 6 | 20% | 10% |
2,500 - 2,999 | 5 | 25% | 10% |
3,000 - 3,499 | 4 | 30% | 10% |
3,500 - 3,399 | 3 | 35% | 10% |
4,000 - 4,499 | 2 | 40% | 10% |
4,500+ | 1 | 45% | 10% |
See How Premiums in Your Area Might Change!
Risk Rating 2.0 updates FEMA's pricing scheme to ensure that rates more accurately reflect flood risk. Find more information here. Use the interactive map below by clicking on a zip code to see how current National Flood Insurance Program policyholders may be affected by FEMA's new Risk Rating 2.0 system.