COMMUNITY RATING SYSTEM

Aerial Photo of Flooded Area


The National Flood Insurance Program's (NFIP's) Community Rating System (CRS) is a voluntary incentive program that recognizes communities for implementing floodplain management practices that exceed the Federal minimum requirements of the NFIP to provide protection from flooding.

In exchange for a community's proactive efforts to reduce flood risk, policyholders can receive reduced flood insurance premiums for buildings in the community. These reduced premiums reflect the reduced flood risk resulting from community efforts toward achieving the three CRS goals:

  • Reduce flood damage to insurable property
  • Strengthen and support the insurance aspects of the NFIP
  • Encourage a comprehensive approach to floodplain management

The City of San Antonio is not currently participating in CRS, but has begun the application process, including documenting tasks and projects to prevent and reduce flood losses. These include measures such as updating codes as a preventative measure, acquisition of flood-prone structures, and implementation of other structural flood control projects. The city has acquired over 300 flood-prone or repetitive flood loss properties in previous years and has plans to acquire additional structures that have previously experienced one or more floods, in an effort to protect open space adjacent to floodplains. Additionally, they have identified and included over 85 flood mitigation projects in the current hazard mitigation plan underway. Based on current and proposed activities that qualify for CRS credit, the City of San Antonio is positioned to become a CRS community in the near future. Click here to learn more.

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