Community Rating System

The City of Lake Alfred has applied to the Federal Emergency Management Agency (FEMA) to participate in the Community Rating System (CRS) program.

In order to obtain flood insurance, a community must participate in minimum floodplain management activities that are required by the National Flood Insurance Program (NFIP). The Community Rating System (CRS) is a voluntary incentive program that recognizes and encourages community floodplain management activities that exceed the minimum NFIP requirements.


Participation in the CRS results in discounted flood insurance rates for citizens within the community. The discount is given because the community has reduced the flood risk by meeting the three goals of the CRS program. These goals are to:

  • Reduce flood losses
  • Facilitate accurate insurance rating
  • Promote the awareness of flood insurance


Flood insurance premium rates are discounted in increments of 5%. For example; a Class 1 community would receive a 45% premium discount, while a Class 9 community would receive a 5% discount (a Class 10 is not participating in the CRS and receives no discount).

Visit the FEMA website for more information on the Community Rating System.