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Community Rating System
Community Rating System

Pasco County homeowners, businesses and renters are paying less for flood insurance.  Pasco County’s current Class 6 Rating has earned policyholders a 20% reduction on flood insurance premiums.  The Class 6 results in savings on flood insurance policies of $3.9 million per year.       

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 is rewarded with discounted flood insurance rates for policyholders within the community.  The discount is given because the community has reduced the flood risk by meeting the three goals of the CRS program:

  1. Reduce flood losses;
  2. Facilitate accurate insurance rating; and
  3. Promote the awareness of flood insurance

Flood insurance premium rates are discounted in increments of 5%.  For example; a Class 9 community would receive a 5% premium discount, while a Class 1 community would receive a 45% premium discount (a Class 10 community is not participating in the CRS and receives no discount).  The CRS classes for local communities are based on 18 creditable activities, organized under four categories:

  1. Public information;
  2. Mapping and Regulations;
  3. Flood Damage Reduction; and
  4. Flood Preparedness

Further information can be found at the CRS Resource Center.

Each year the County must submit an annual report of the activities. 

Other reports are available for viewing by contacting the Stormwater Management Division at (727) 834-3611.

An update of the Local Mitigation Strategy is currently underway.  A draft of the report is available for viewingby contacting the Office of Emergency Management at (727)847-8137.