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
1 4,500+ 45% 10%
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%
10 0-499 0 0

Inside SFHA: Zones A, AE, V, VE,  AO, and AH
Outside SFHA: Zones X, A99, AR

• Preferred Risk Policies are not eligible for CRS premium discounts because they already have premiums lower than other policies.
• Preferred Risk Policies are available only in X Zones for properties that are shown to have a minimal risk of flood damage.
• Some minus-rated policies may not be eligible for CRS premium discounts.
• Premium discounts are subject to change.

There are 19 creditable activities organized under four categories:

  • Public Information
  • Mapping and Regulations
  • Flood Damage Reduction Activities
  • Warning and Response


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