http://www.wvdhsem.gov/

An Overview of theAn Overview of theCommunityCommunityRating System Rating System (CRS)(CRS)

CRS Overview

Goals of the CRSGoals 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.

3

CRS Overview

Community Rating System

The goal is to encourage communities and states to exceed the minimum standards of the NFIP by the use of flood insurance premium adjustments

The objective is to reward communities that are exceeding the minimum standards

CRS Overview

Incentive

CRS provides an incentive for communities to initiate new flood protection activities.

CRS Overview

Minimum Requirements for Participation in the CRSA community must be in the Regular Phase of the NFIP

A community must be in full compliance with the minimum standards of the NFIP

CRS Overview

PRE-REQUISITES TO APPLY

HAVE HAD CAV WITHIN LAST YEAR AND RECEIVED LETTER OF GOOD STANDING

REPETITIVE LOSS PROPERTY ANALYSIS & PLAN

FLOOD INSURANCE MAINTAINED ON ALL COMMUNITY BUILDINGS AND PROPERTY

CRS Overview

CRS BasicsCRS Basics

Voluntary program

Recognizes good floodplain management above and beyond the minimum requirements of the NFIP

Modeled on the fire insurance rating system

Insurance Services Office (ISO)

ISO/CRS Specialist in West Virginia:

Tom Brett TBrett@iso.com

8

CRS Overview

Costs to CommunityCosts to Community

Pass a CAV

Designate CRS Coordinator

Implement activitiesa. Elevation certificates

b. Repetitive Loss Plan

Maintain records

9

CRS Overview

Minimum Requirements for Participation in the CRS...Communities must maintain FEMA’s Elevation Certificates for all new and substantially improved construction after the date of application for CRS classification.

CRS Overview

Repetitive LossesCommunities with 10

or more repetitive loss properties must implement a repetitive loss plan Repetitive Loss: two

or more losses within the last ten years that exceed $1,000

CRS Overview

Premium DiscountPremium Discount

Class Points SFHA Non‑SFHA 1 4,500 45% 10%

2 4,000 40% 10%

3 3,500 35% 10%

4 3,000 30% 10%

5 2,500 25% 10%

6 2,000 20% 10%

7 1,500 15% 5%

8 1,000 10% 5%

9 500 5% 5%

10 0 0

12

CRS Overview

What If?What If?

City of Buckhannon 160 Policies: $155,767 premiums

Average premium $692

CRS Class 9: average savings $37 ($8227 total)

CRS Class 7: average savings $103 ($23,239 total)

CRS Class 5: savings $173 ($38,975 total)

13

CRS Overview

What If?What If?

Kanawha County 2017 Policies: $1,434,394 premiums

Average premium $711

CRS Class 9: savings $33 ($66,008 total)

CRS Class 7: savings $92 ($184,687 total)

CRS Class 5: savings $154 ($310,035 total)

14

CRS Overview

BenefitsBenefits

Money stays in the community

Insurance savings are a political plus!

Improved flood protection

Better organized programs

Evaluate vs. national benchmark

Technical assistance

Incentive to keep implementing

Public information builds constituency

15

CRS Overview

Where are the CRS Communities?

16

CRS Overview

West Virginia CRS CommunitiesWest Virginia CRS Communities

Berkeley County

Buckhannon

Charleston

Jefferson County

Philippi

17

18

CRS Overview

Crediting ProcessCrediting Process

Application

Verification

Verification Visit

Recertification

Modification

Cycle Verification

19

CRS Overview

CRS/ISO REP-TOM BRETT

ISO= INSURANCE SERVICES OFFICES, THE CONTRACTOR COMPANY THAT ADMINISTERS THE CRS PROGRAM FOR FEMA. HE AND HIS ASSOCIATES WILL ADVISE AND GUIDE APPLICANTS; SCREEN AND PREAUDIT APPS; WORK WITH YOU TO MAXIMIZE POINTS EARNED; AND AUDIT AFTER ENTRY INTO THE PROGRAM ON A REGULAR BASIS TO MAINTAIN OR INCREASE CRS CLASS STANDING.

20

CRS Overview

Four Categories of ActivitiesFour Categories of Activities

300 Series – Public Information

400 Series – Mapping and Regulations

500 Series – Flood Damage Reduction

600 Series – Flood Preparedness

21

CRS Overview

300 PUBLIC INFORMATION ACTIVITIES 310 Elevation Certificate

320 Map Information

330 Outreach Projects

340 Hazard Disclosure

350 Flood Protection Library

360 Flood Protection Assistance

CRS Overview

400 MAPPING ANDREGULATORY ACTIVITIES

410 Additional Flood Data

420 Open Space Preservation

430 Higher Regulatory Standards

440 Flood Data Maintenance

450 Stormwater Management

CRS Overview

500 FLOOD DAMAGE REDUCTION ACTIVITIES

510 Floodplain Management Planning

520 Acquisition and Relocation

530 Retrofitting

540 Drainage System Maintenance

CRS Overview

600 FLOOD PREPAREDNESS ACTIVITIES

610 Flood Warning Program

620 Levee Safety

630 Dam Safety

CRS Overview

Self Assessment Tool

www.crs2012.org

26

27

29

CRS Overview

State Profile

31

CRS Overview 32

CRS Overview

Uniform Minimum Credits

33

34

Activity Element Credit

Uniform Minimum Credit

430 State-mandated Standards (SMS) 1

450 Erosion & Sedimentation Control (ESC) 10

Total 11

Possible Additional Credit

630 State Dam Safety (SDS) 0 - 45

Total 0 - 45

Model Ordinance

420 Natural Shoreline Protection (NSP) 0 - 120

420 Open Space Incentives (OSI) 65

430 Freeboard (FRB) 22.5 - 280

430 Cumulative Substantial Improvements (CSI) 60

430 Lower Substantial Improvements (LSI) 20

430 Enclosure Limitations (ENL) 30

430 Other Higher Standards (OHS) 10

Total 207.5 - 585

CRS Overview

HIGHER REGULATORY STANDARDS

FREEBOARD-80 POINTS PER FOOT

NO FILL IN FLOODPLAIN

2 ACRE/10 LOTS

STORM WATER MANAGEMENT PROGRAM-REGULAR INSPECTION, NO DUMPING IN, ETC.

5 ACRES OPEN SPACE-UP TO 65 POINTS

CERTIFICATE OF COMPLIANCE

NON-CONVERSION AGREEMENT

35

CRS Overview

ResourcesResources E278 NFIP/Community Rating System (at EMI):

http://training.fema.gov/EMIWeb/CRS/

User Groups

Locally offered workshops

36

CRS Overview

CRS/ISO REP-TOM BRETT

ISO= INSURANCE SERVICES OFFICES, THE CONTRACTOR COMPANY THAT ADMINISTERS THE CRS PROGRAM FOR FEMA. HE AND HIS ASSOCIATES WILL ADVISE AND GUIDE APPLICANTS; SCREEN AND PREAUDIT APPS; WORK WITH YOU TO MAXIMIZE POINTS EARNED; AND AUDIT AFTER ENTRY INTO THE PROGRAM ON A REGULAR BASIS TO MAINTAIN OR INCREASE CRS CLASS STANDING.

37

CRS Overview

Questions?

38

http://www.wvdhsem.gov/