Community Rating System

The National Flood Insurance Program (NFIP) was created under the Federal Emergency Management Agency (FEMA) to ensure home owners, businesses, and renters have access to flood insurance. Within the NFIP the Community Rating System (CRS) is a voluntary incentive program that recognizes and encourages community floodplain management that goes beyond the basic requirements. Communities, such as Oldsmar, that choose to participate take actions to help reduce flood damage to insurable properties. The CRS rates community efforts on a scale of 1-10, where 10 meets basic requirements and 1 is highest rating. The City of Oldsmar currently holds a CRS rating of 6, which saves our residents 10-20% on flood insurance rates. 

CRS ClassCredit PointsPremium Reduction


Inside SFHAOutside SFHA
14,500+45%10%
24,000-4,49940%10%
33,500-3,99935%10%
43,000-3,49930%10%
52,500-2,99925%10%
62,000-2,49920%10%
71,500-1,99915%5%
81,000-1,49910%5%
9500-9995%5%
100-49900


A portion of the grant funding received for the Climate Resiliency Plan will be used to update the City's CRS report. The consultant will review points already received, possible points that may not have been fully realized, and identify potential projects for future consideration.

Additional NFIP and CRS Resources

Flood Insurance Info

CRS Fact Sheet

CRS How it Works

  1. Ashlee Painter

    Sustainability Coordinator