Community Rating System (CRS)

Community Rating System

The National Flood Insurance Program's (NFIP) Community Rating System (CRS) was implemented in 1990 as a program for recognizing and encouraging community floodplain management activities that exceed the minimum NFIP standards. A points system is used to create the class structure. Ratings from class 10 (lowest) to class 1 (highest) are possible within CRS. Each class represents 500 points. The point system program reduces flood insurance premiums for the citizens of Spearfish.

Purpose & Scope

CRS has three goals:

  • Facilitate accurate insurance ratings
  • Promote awareness of flood insurance
  • Reduce flood losses

Accomplishing Goals

To accomplish these goals a comprehensive list of possible activities was established. Points are awarded to the community for documented action, regulations, or plans that correlate with the 18 activities that comprise the four main areas of emphasis, which are:

  • Flood Damage Reduction Activities
  • Warning and Response
  • Mapping and Regulatory Activities
  • Public Informational Activities

System Facts

Review the following system facts:

  • Average yearly savings per flood policy in 2014: $38
  • Combined flood insurance annual savings in 2014: Over $4,000
  • Current class rating: 9
  • Joined CRS: May 1, 2014
  • Maximum discount for flood insurance policies receiving a discount in 2014: 5%


Each year Spearfish must re-certify or re-verify that we continue to perform the activities that are being credited by the CRS.

FEMA Community Rating System

Review the FEMA Community Rating System page.