The National Flood Insurance Program (NFIP) and

Community Rating System (CRS)

Sue K. Hopfensperger, CFM ISO/CRS Specialist

July 2013

NFIPCreated in 1968 as a way to offset

taxpayer funded disaster reliefFlood insurance now available

Mandatory if using a federally regulated/insured bank loan

Premiums help pay for disaster reliefFlood Insurance only available in

communities which have adopted a FEMA-approved floodplain management ordinance

Community Rating System

The Community Rating System (CRS) was created in 1990 as an incentive for communities to do more than just regulate construction of new buildings to the minimum standards of the National Flood Insurance Program (NFIP).

Community Rating System

The CRS also provides national recognition for communities who exceed NFIP standards by creating new and improving existing floodplain management programs, all the while providing discounts on flood insurance premiums for their residents.

CRS ClassificationsGeorgia

CRS Class # of

Communities

CRS Class 9 9

CRS Class 8 15

CRS Class 7 9

CRS Class 6 7

CRS Class 5 1

TOTAL 41

New Georgia Communities

1. Bryan County (Class 8)

2. East Point

3. Garden City (Class 8)

4. Johns Creek

BenefitsBenefitsCOMMUNITY CRS CLASS

POLICIES IN FORCE

CRS SAVINGS

Camden County 8 1,534 $72,746

Chatham County 6 18,892 $2,480,061

Pooler 7 1,033 $55,574

Savannah 6 7,976 $554,931

Tybee Island 7 2,910 $569,092

Effingham County 7 835 $33,951

Brunswick 9 1,960 $120,288

Glynn County 7 14,930 $1,936,178

Jekyll Island 6 764 $156,547

Hinesville 7 946 $68,163

City of Hinesville Application Date: March 7, 2012

$68,163 in savings on NFIP premiums

Your participation in the Community Rating System reflects your commitment to a sound floodplain

management program for the benefit of your citizens.