Community Rating System

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 resulting from the 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, and
  3. Encourage a comprehensive approach to floodplain management.

Currently, Louisville Metro is a Class 3 in the CRS program, saving the community approximately $2 million each year. Louisville Metro earns this rating by engaging in many floodplain management activities, such as providing flood information, preserving open space in the floodplain, maintaining the drainage system, and outreach.

The table below shows the credit points earned, classification awarded and premium reductions given for communities in the NFIP CRS.

Credit Points Class Premium Reduction
SFHA*
Premium Reduction
Non-SFHA**
4,500+ 1 45% 10%
4,000 – 4,499 2 40% 10%
3,500 – 3,999 3 35% 10%
3,000 – 3,499 4 30% 10%
2,500 – 2,999 5 25% 10%
2,000 – 2,499 6 20% 10%
1,500 – 1,999 7 15% 5%
1,000 – 1,499 8 10% 5%
500 – 999 9 5% 5%
0 – 499 10 0 0
*Special Flood Hazard Area
**Preferred Risk Policies are available only in B, C, and X Zones for properties that are shown to have a minimal risk of flood damage. The Preferred Risk Policy does not receive premium rate credits under the CRS because it already has a lower premium than other policies. The CRS credit for AR and A99 Zones are based on non-Special Flood Hazard Areas (non-SFHAs) (B, C, and X Zones). Credits are: classes 1-6, 10% and classes 7-9, 5%. Premium reductions are subject to change.

As a Class 3 community, Louisville-Jefferson County is among the top 7 Community Rating System communities in the country for greatest insurance premium discounts:

Class 1:

  • Roseville, California

Class 2:

  • Tulsa, Oklahoma 
  • King County, Washington 
  • Pierce County, Washington

Class 2

  • Louisville-Jefferson County, Kentucky
  • Sacramento County, California 
  • Ocala, Florida

Class 4:

  • Charleston County, South Carolina 
  • Fort Collins, Colorado 
  • Maricopa County, Arizona
  • Snohomish County, Washington 
  • Thurston County, Washington