NFIP and the Community Rating System

Flooding in Aroostook County - 2008


Severe weather is not the only reason to prepare. Maine’s floodplains total 2,772 square miles – that’s an area larger than Rhode Island. 33,000 homes and businesses are at risk, compared to a little over 8,400 with flood insurance policies.

Floods may come fast, but your community can be prepared with the National Flood Insurance Program and can reduce the cost of insurance premiums by participating in the Community Rating System (CRS).

CRS is a voluntary incentive program that encourages community floodplain management activities that exceed the minimum National Flood Insurance Program requirements.

CRS is a point-based system. To earn points and participate in CRS, a community could do things like:

  • Preserve open space in the floodplain;
  • Enforce higher standards for safer new development;
  • Maintain drainage systems; and
  • Inform people about flood hazards, flood insurance, and how to reduce flood damage.

In return for your efforts, flood insurance premium rates are discounted to reflect the reduced flood risk resulting from the community actions.

To learn more about the Community Rating System, or to get started, call or visit the Maine Floodplain Management Program.

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