Community Rating System

National Flood Insurance Program Community Rating System

Reduced Flood Insurance Premiums

MSD Project Clear, in partnership with FEMA, wants to help make flood insurance more affordable in local communities.

Through FEMA’s Community Rating System, floodplain managers could help their communities save 5% or more on flood insurance premiums by utilizing their current flood mitigation practices.

MSD Project Clear is not a floodplain manager, but as part of our Know Your Zone flood awareness initiative, we are partnering with FEMA, SEMA, and the East-West Gateway Council of Governments to educate area municipal leaders about how to reduce flood insurance premiums in their communities.

You must be a floodplain manager to participate in the CRS Program. Not a municipal official? Talk to your local government leaders about registering your community.

Applications Made Easy

MSD Project Clear wants to make it easy for floodplain managers to apply for the CRS program.

Most municipalities in the St. Louis region could qualify to save their community 5-10% or more on flood insurance premiums by utilizing their current flood mitigation practices!

In the below workshop recording, we walk floodplain managers through:

  • How to fill out the CRS application
  • How to earn credits for flood mitigation efforts MSD and other local organizations are doing
  • How to earn credit for flood mitigation efforts their municipality already does

Sign up for notifications about future workshops and webinars here.

About the Community Rating System

The Community Rating System (CRS) is a voluntary incentive program that recognizes and encourages community floodplain management practices that exceed the minimum requirements of the National Flood Insurance Program (NFIP). Over 1,500 communities participate nationwide.

In CRS communities, flood insurance premium rates are discounted to reflect the reduced flood risk resulting from the community’s efforts that address the three goals of the program:

  • Reduce and avoid flood damage to insurable property
  • Strengthen and support the insurance aspects of the National Flood Insurance Program
  • Foster comprehensive floodplain management