1. An Overview of the Community Rating System
(CRS)
Mari Radford – FEMA Region III
Tom Brett – ISO/CRS

2. CRS Basics Voluntary program
Recognizes good floodplain management above and beyond the minimum requirements of the NFIP
Modeled on the fire insurance rating system
Insurance Services Office
ISO/CRS Specialist in Pennsylvania:
Tom Brett
CRS Workshop, July 22, 2010

3. Goals of the CRS Reduce flood damage to insurable property,
Strengthen and support the insurance aspects of the NFIP, and
Encourage a comprehensive approach to floodplain management.
CRS Workshop, July 22, 2010

4. Premium Discount 1 4,500 45% 10% 2 4,000 40% 10% 3 3,500 35% 10%
Class Points SFHA Non‑SFHA
1 4, % 10%
2 4, % 10%
3 3, % 10%
4 3, % 10%
5 2, % 10%
6 2, % 10%
7 1, % 5%
8 1, % 5%
% 5%
CRS Workshop, July 22, 2010

5. Benefits Money stays in the community Insurance savings offset costs
Improved flood protection
Better organized programs
Evaluate vs. national benchmark
Technical assistance
Incentive to keep implementing
Public information builds constituency
CRS Workshop, July 22, 2010

6. Pennsylvania CRS Communities
23 Communities currently participate in the Commonwealth
Range from Class 6 through 9
CRS Workshop, July 22, 2010

7. What If?
CRS Workshop, July 22, 2010

8. What If?

9. What If?

10. Costs to Community Pass a CAV Designate CRS Coordinator
Implement activities
Maintain records
CRS Workshop, July 22, 2010

11. Crediting Process Application Verification Verification Visit
Recertification
Modification
Cycle Verification
CRS Workshop, July 22, 2010

12. Four Categories of Activities
300 Series – Public Information
400 Series – Mapping and Regulations
500 Series – Flood Damage Reduction
600 Series – Flood Preparedness

13. Questions?