National Flood Insurance Program Community Rating System: An Opportunity for Improving Your Community’s Programs

The National Flood Insurance Program (NFIP) provides flood insurance to property owners and encourages communities to adopt and enforce floodplain management regulations. In addition, the NFIP administers the Community Rating System (CRS), which is a voluntary incentive program that recognizes and encourages community floodplain management activities that exceed the minimum NFIP requirements.

In return, the program provides communities with discounts on flood insurance rates. To participate in the CRS program, communities implement a series of activities outlined in the NFIP CRS Coordinator’s Manual. These activities include maintaining accurate elevation certificates, conducting outreach for flood-related issues, developing a floodplain management plan, coordinating with emergency services, and conducting other types of activities. Based on the activities implemented, communities are rated from Class 1 (highest) to Class 10 (entry-level) and can potentially save homeowners up
to 45% on their insurance premiums. Read the full article here.

Khan Boupha, PE, Senior Engineer
Jones Edmunds & Associates, Inc.
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