Community Rating System (CRS)
What is the CRS Program?
The National Flood Insurance Program's (NFIP) Community Rating System (CRS) is a voluntary incentive program that recognizes and encourages community floodplain management activities that exceed the minimum NFIP requirements. As a result, flood insurance premium rates are discounted to reflect the reduced flood risk culminating from community actions meeting the three goals of the CRS:
- Reduce flood damage to insurable property.
- Strengthen and support the insurance aspects of the NFIP.
- Encourage a comprehensive approach to floodplain management.
Click on the links below to learn more about the Community Rating System:
How much of a flood insurance premium can a community earn?
Flood insurance premium reductions are determined by a community's CRS Class. Policy holders in a CRS community can receive premium reductions of 5% up to 45% for an insured building.
What are CRS Classes?
Each CRS participating community is assigned a Class number ranging from 1 to 10, based on credit points earned for implementing various floodplain management practices. CRS Class 1 is the highest classification, and CRS Class 9 is an introductory Class.
Nassau County actively participates in the NFIP and the CRS on behalf of residents living in unincorporated areas. On May 1, 2017 all new and renewal flood insurance policies for properties in the unincorporated areas of Nassau County will begin receiving a 10% premium discount annually as a result of the County's CRS class 8 rating. The value of these discounts total $368K annually.
When renewing a Flood Insurance Policy, please check for the "Community Rating Number" stated on your policy. Should your policy indicate something other than eight (8), and you live in the unincorporated area of the County, please call your insurance agent in order to correct the error. Unincorporated Nassau County residents should receive a 10% reduction for properties in the Special Flood Hazard Area (SFHA) and a 5% discount outside the SFHA.
If your property is not located in unincorporated Nassau County, contact your municipality or visit the Florida Disaster Mitigation Website to find obtain the classification of your community.
Currently there are 1391 communities which are members of the CRS program. This means, only 6% of all 22,000 communities participating in the NFIP nationwide are members of the CRS program.
What Are the Benefits of Being a Community Rating System Community?
- The money saved through reduced flood insurance premiums stays within our community and thus helping our local economy.
- The activities credited by the CRS program provide direct benefits to the community, including enhanced public safety, reduction in damage to property and public infrastructure, reduction of human suffering and protection of the environment.
- The public outreach activities will build a more knowledgeable constituency interested in supporting and improving flood protection measures, and the protection of natural floodplains.
- CRS activities improve flood protection and mitigation coordination between County and other community organizations.
The CRS increases public awareness of the importance of having flood insurance as well as helps facilitate more accurate insurance ratings for the benefit of policy holders.
Official Community Rating System Plaque
On May 1st of 2017, Unincorporated Nassau County was officially admitted to the National Flood Insurance Program's Community Rating System.
Floodplain Management Outreach
The Nassau County Planning and Economic Department and City of Fernandina Beach Building Department are working together to form a joint Program for Public Information (PPI). An instrumental part of the PPI is community outreach. In May of 2017 Nassau County Planning and Economic Opportunity Staff and City of Fernandina Building Department Staff hosted a booth at Fernandina Beach's annual Shrimp Festival. Staff members spoke with citizens on numerous topics ranging from flood safety to flood insurance inquiries. Fun items such as flood safety coloring books and TURN AROUND DON'T DROWN Frisbee's were available for the children. The joint community outreach at Shrimp Festival was a success!
The Nassau County Planning and Economic Opportunity Department and The City of Fernandina Beach Building Department hosted a Flood Awareness Poster Contest with students of the 5th grade class at Yulee Elementary in May of 2017. There were a number of great submissions! After much deliberation Staff chose the 1st through 3rd place winners. Those winners were:
1st Place: Caden Lackie
2nd Place: Cody Blan
3rd Place: Alexis Shearin
Great job students!