Community Rating System (CRS)

The Community Rating System (CRS) was created to encourage communities to establish a floodplain management program that encourages floodplain management activities that exceed the minimum National Flood Insurance Program (NFIP) requirements. This program provides communities with discounts to flood insurance rates.

Flood insurance premium reductions are determined by a community’s CRS Class. Policyholders in a CRS community can receive premium reductions from five percent to as much as 45 percent for an insured building in a CRS Class 1 community.

Each CRS participating community is assigned a class number ranging from 1 to 10, based on credit points it earns for implementing various floodplain management practices. A CRS Class 1 is the most favorable classification, and CRS Class 9 is an introductory class. A community with a CRS Class 10 designation no longer participates in the CRS.

The insurance premium reduction is based on whether a property is in or out of the Special Flood Hazard Area. The premium reduction for properties in a Special Flood Hazard Area increases according to the community’s CRS Class. A community’s classification is based on the total number of credit points it earns.

Monroe County participates in the NFIP and the CRS on behalf of the homeowners living in unincorporated areas.

Class 5 Designation

Table showing savings in past 5 years of class 5 designation

When you renew your flood insurance policy, check the "Community Rating Number" stated on the policy. This will translate to discounts on your flood insurance. 

Repetitive Loss Area Analysis (RLAA) For Class 4 Designation

Monroe County FEMA Mitigation Reconstruction Projects

Watershed Management Plan 

Program for Public Information (PPI)

The CRS provides credit for a full range of public information activities that inform residents about flooding and ways to address potential flood damage to their property, including map information, outreach projects, real estate disclosure, libraries, websites, and providing technical advice and assistance. Research shows when public information efforts are planned and coordinated, people will take steps to protect themselves from flood damage. The CRS provides additional credit for public outreach efforts that are coordinated through an adopted program for public information.

The multijurisdictional Monroe County Program for Public Information (PPI) is an ongoing local effort to identify, prepare, implement, and monitor a range of public information activities that meet specific local needs. The CRS credits the implementation of public outreach projects identified in a PPI. Through the PPI planning process, projects are monitored, evaluated, and revised to improve their effectiveness. The credit awarded to this plan under the CRS program will help each participating community in Monroe County to move toward a higher discount on flood insurance.

The public is invited to take part in informative discussions on current CRS projects and Flood Insurance Coverage Percentages in our area. 

Annual Reports

Prior Meetings