Monday, November 29, 2021


Collier County received word this week that it has earned a Class 5 rating in the National Flood Insurance Program’s Community Rating System. The news means homeowners who have to pay for flood insurance will see savings on their premiums. The rating went into effect on Oct. 1.

The Community Rating System is a program administered through the Federal Emergency Management Agency (FEMA) with the goal to reduce flood losses, facilitate accurate insurance ratings and promote awareness of flood insurance. The CRS program, which Collier County has participated in since October 1992, was developed to provide incentives for communities to go beyond the minimum floodplain management requirements to develop extra measures to provide protection from flooding.

The benefits of the CRS include lower cost flood insurance rates, increased opportunities to learn about risk, evaluate individual vulnerabilities and take action to protect homes and businesses.

The CRS rating scale is from 10 to 1, with 1 being the highest rating.  For a community to be eligible, it must be in full compliance with the National Flood Insurance Program and must recertify its rating each year. There are 17 CRS activities in the overall calculation, including regulation of development, and public outreach and general regulation regarding the National Flood Insurance Program and FEMA.

Last year, Collier County was a Class 6 rating, which provided flood insurance policy holders a 20 percent discount on its flood insurance premiums.

With the Class 5 rating, Collier County property owners will receive a 25 percent discount on flood insurance premiums for regular policies in the Special Flood Hazard Area (SFHA) and a 10 percent discount for regular policies outside of the SFHA. The Preferred Risk Policies are not eligible for additional discounts.

The total savings under the Class 6 rating in Collier County was $6.27 million. The Class 5 improvement will provide a total savings of $7.80 million, which is a premium savings of more than $1.5 million for the more than 70,000 flood insurance policies in Collier County.

For more information, contact the Collier County Flood Hotline at (239) 252-2942 or email

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