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

City of Key West’s current rating is a Class 5 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 in order to correct the error.

Renewal Dates

If your renewal date is after October 1, 2020, check the "CRS Discount" line near the bottom. If you’re not seeing a discount amount, you should contact your flood insurance agent. If your renewal date or payment date was prior to 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 CRS What-If Table (PDF) Opens in new windowdifferent class ratings. Currently, the City has a Class 5 rating, as of October 1, 2020.


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

Trivia Note: There’s only a single "Class 1" rated CRS community in the nation. Roseville, California.

Topical Brocuhures about Flooding