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For Real Estate/Lenders/Insurance Professionals

The National Flood Insurance Program's (NFIP) Community Rating System (CRS) was implemented in 1990 as a program for recognizing and encouraging community floodplain management activities that exceed the minimum NFIP standards.  The National Flood Insurance Reform Act of 1994 codified the CRS in the NFIP.

  • Under the CRS, flood insurance premium rates are adjusted to reflect the reduced flood risk resulting from community activities that meet the three goals of the CRS:
  1. Reduce flood losses;
  2. Facilitate accurate insurance rating; and
  3. Promote the awareness of flood insurance
  • There are ten CRS classes:
    • Class 1 requires the most credit points and gives the largest premium reduction;
    • Class 10 receives no premium reduction


  •  The CRS recognizes 18 creditable activities, organized under four categories numbered 300 through 600:
    • Public Information
    • Mapping and Regulations
    • Flood Damage Reduction
    • Flood Preparedness


  • Douglas County participates in the Community Rating System (CRS) of the National Flood Insurance Program. Please view this link for additional information about Douglas County's CRS program.
  • By implementing these floodplain management activities, the residents of Douglas County can qualify for flood insurance premium rate reduction.  When communities goes beyond the minimum standards for floodplain management, the CRS program can provide discounts up to 45% off flood insurance premiums.
  • Douglas County is currently a Class 8 community, which 10% discount on flood insurance to properties located in the Special Flood Hazard Area.
  • As a real estate agent, or insurance agent, you can help by promoting flood insurance and by disclosing if the property is now, or will be, in a high-risk area flood hazard area.  Flyers, stuffers and other materials on flood insurance are available, free of charge, through NFIP.  These materials may also be ordered by contacting the FEMA Distribution Center, 4440 Buckeystown Pike, Frederick, MD  21704,  Phone:  1.800.480.2520 or FAX 240.699.0525.

Here are some additional resources: