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 7. When you renew your Flood Insurance Policy, please check for your "Community Rating Number" stated on your policy (Number 102168). Should your policy indicate something other than the status/grade above 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, 2016, 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, 2016, this discount won’t apply. Even if your effective date is after October 1, it won’t apply.

What-If Chart

Federal Emergency Management Agency (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 7 rating, as of October 1, 2016.


  • Policy holders within type "AE" or "VE" flood zones will automatically receive a 15% discount off their rates (not off any accompanying policy fees).
  • Those policy holders in type "X" flood zones - where flood insurance is already very inexpensive - will receive a 5% discount off their rates.
  • Update March 11, 2020: The City is expecting its application to upgrade to a Class 5 rating for a 25% discount to be approved October 1, 2020.

Local Mitigation Strategy Progress Report

View the Local Mitigation Strategy Progress Report - April 2018 There’s only a single Class 1 rated CRS community in the nation; Roseville, California.

Flood Handouts