National Flood Insurance Program Community Rating System
Reduced Flood Insurance Premiums
MSD Project Clear, in partnership with FEMA, is working to help make flood insurance more affordable for local communities.
Through FEMA’s Community Rating System (CRS), floodplain managers can help their communities save 5% or more on flood insurance premiums by leveraging existing flood mitigation efforts.
While MSD Project Clear is not a floodplain manager, through our Know Your Zone initiative, we are teaming up with FEMA, SEMA, and the East-West Gateway Council of Governments to educate municipal leaders on how they can lower flood insurance costs for residents.
Participation in the CRS Program is limited to floodplain managers. If you’re not a municipal official, you can still make a difference — talk to your local leaders about registering your community.
Applications Made Easy
MSD Project Clear is here to help floodplain managers navigate the CRS application process with ease.
Many municipalities in the St. Louis region may already qualify for 5–10% or more in flood insurance savings—just by leveraging the flood mitigation practices they already have in place!
In the workshop recording below, we guide floodplain managers through:
- How to complete the CRS application
- How to earn credits for ongoing flood mitigation efforts by MSD Project Clear and other local partners
- How to receive credit for flood reduction work your municipality is already doing
Let us help you unlock savings for your community.
About the Community Rating System
The Community Rating System (CRS) is a voluntary incentive program that recognizes communities for going above and beyond the minimum requirements of the National Flood Insurance Program (NFIP). Over 1,500 communities across the country currently participate.
Communities enrolled in CRS receive discounted flood insurance premiums to reflect their efforts in reducing flood risk. These efforts support the program’s three core goals:
- Reduce and prevent flood damage to insurable properties
- Enhance and strengthen the insurance aspects of the NFIP
- Promote comprehensive floodplain management across communities
CRS helps protect residents and lower costs while encouraging smarter, safer development.