Community Rating System Program- CRS
The Community Rating System program (CRS) was started by FEMA in 1990 to encourage community and state activities to exceed NFIP requirements by reducing insurance premiums in five percent increments for flood prone properties based on the community rating.
The rating system classifies a community on a 1- 10 scale with Class 1 rating being the highest, earning a 45% premium discount as shown in the table below. There are currently 217 CRS communities in the State of Florida. Citrus County joined the CRS Program in 2001 and is currently a Class 6 Community, which provides a 20% premium reduction to those policy holders in flood zones A and V and a 10% discount in zones B and C as shown below.
A community receives a CRS classification based upon the total credit for its activities. There are 10 CRS classes. Class 1 requires the most credit points and gives the greatest premium reduction or discount. A community that does not apply for the CRS, or does not obtain the minimum number of credit points, is a Class 10 community and receives no discount on premiums. The qualifying community total points, CRS classes, and flood insurance premium discounts are shown in the table below.
|CRS Classes, Credit Points and Premium Discounts|
|CRS Class & Credit Points||Premium Reduction|
|Class||Credit Points (cT)||Inside SFHA||Outside SFHA|
|2||4,000 - 4,499||40%||10%|
|3||3,500 - 3,999||35%||10%|
|4||3,000 - 3,499||30%||10%|
|5||2,500 - 2,999||25%||10%|
|6||2,000 - 2,499||20%||10%|
|7||1,500 - 1,999||15%||5%|
|8||1,000 - 1,499||10%||5%|
|9||500 - 999||5%||5%|
Inside SFHA: Zones A, AE, V, VE, AO, and AH
• Preferred Risk Policies are not eligible for CRS premium discounts because they already have premiums lower than other policies.
There are 19 creditable activities organized under four categories:
- Public Information
- Mapping and Regulations
- Flood Damage Reduction Activities
- Warning and Response