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National Flood Insurance Program (NFIP) - Community Rating System Dataset

Published by FEMA/Resilience/Hazard Mitigation Directorate | Department of Homeland Security | Metadata Last Checked: June 25, 2025 | Last Modified: 2025-05-01T11:44:29-04:00
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). Active CRS community 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: 1. Reduce and avoid flood damage to insurable property; 2. Strengthen and support the insurance aspects of the National Flood Insurance Program; and 3. Foster comprehensive floodplain management. rnrnThe Flood insurance premium rates in Community Rating System communities 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 in its Special Flood Hazard Areas, 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 19 creditable activities, organized in four categories: Public Information, Mapping and Regulations, Flood Damage Reduction, Warning and Response. Quantitative CRS datasets are avaialble about community floodplain mangament practices that validates the CRS community rating classifications and credit points. The abridged public dataset is available at https://www.fema.gov/floodplain-management/community-rating-system. CRS dataset is updated semiannually in CIS.

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