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Nassau County
Official Seal of Nassau County, FL
96135 Nassau Place
Suite 1
Yulee, FL 32097
Community Rating System (CRS)
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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:

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

Click on the links below to learn more about the Community Rating System:

2015 CRS Brochure

NFIP 2016 CRS Fact Sheet

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.

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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 to find obtain the classification of your community.

Interesting Statistic

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.

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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.

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