Community Rating System (CRS)

The Community Rating System (CRS) is a program managed by the Insurance Services Office (ISO) for the National Flood Insurance Program (NFIP).  Eligible communities are awarded community-wide discounts to their flood insurance premiums for exceeding the basic provisions of NFIP participation, designed to further prevent future damages from flood events.

Current Rating

Currently, the City has a Class 5 rating as of October 1, 2020, with a discount of up to 25%. When renewing your Flood Insurance Policy, please check for your "Community Rating Number" stated on your policy; in Key West, it should read "102168."  Should your policy indicate something other than the "Class 5" and your property is within the Key West city limits, please call your insurance agent to correct the error.

CRS Annual Floodplain Management Progress Report 

Renewal Dates

If your renewal date is after October 1, 2020, check the "CRS Discount" line near the bottom.  If you do not see a discount amount, you should contact your flood insurance agent.  If your renewal date or payment date was before October 1, 2020, this discount may read "Class 7," which would have been appropriate at that time. 

"What-If" Chart

The Federal Emergency Management Agency's (FEMA’s) "What-If" chart tailored for Key West shows the discounts available for the different class ratings. 


  • Policyholders within type "AE," "AO" or "VE" flood zones will automatically receive a 25% discount off their rates (not of any accompanying policy fees).
  • Policyholders in type "X" flood zones - where flood insurance is already very inexpensive - aren't eligible for CRS discounts.
    • Some "X" zone policyholders may receive a 10% discount if they have a "Standard Rate" policy, which is more expensive than a "Preferred Rate" policy.

Trivia Note: The only single "Class 1" rated CRS community in the nation goes to Roseville, California.

Flooding Brochures