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Flood Insurance Information for Real Estate/Lenders/Insurance Professionals

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. The National Flood Insurance Reform Act of 1994 codified the Community Rating System in the NFIP.
  • Under the CRS, flood insurance premium rates are adjusted to reflect the reduced flood risk resulting from community activities that meet the three goals of the CRS:
    • Reduce flood losses;
    • Facilitate accurate insurance rating; and
    • Promote the awareness of flood insurance.
  • There are ten CRS classes:
    • Class 1 requires the most credit points and gives the largest premium reduction;
    • class 10 receives no premium reduction.
  • The CRS recognizes 18 creditable activities, organized under four categories numbered 300 through 600:
    • Public Information
    • Mapping and Regulations
    • Flood Damage Reduction
    • Flood Preparedness
  • Placer County participates in the Community Rating System (CRS) of the National Flood Insurance Program.
  • By implementing these floodplain management activities, the residents of Placer County can qualify for a flood insurance premium rate reduction. When communities go beyond the minimum standards for floodplain management, the CRS can provide discounts up to 45% off flood insurance premiums.
  • The County of Placer is currently a Class 5 community, which provides a 25% discount on flood insurance to properties located in the Special Flood Hazard Area .
  • As a Real Estate Agent, Lender, or Insurance Agent you can help by promoting flood insurance and by disclosing if the property is now, or will be, in a high-risk area (Special Flood Hazard Area). Flyers, stuffers, and other materials on flood insurance are available, free of charge, through the NFIP. These materials may also be ordered by contacting the FEMA Distribution Center, 4440 Buckeystown Pike, Frederick, MD 21704, Phone: 1-800-480-2520 Fax: (240) 699-0525

Here are some additional resources:

Contact Placer County Floodplain Management


Floodplain Management

Mailing Address

Placer County Floodplain Management
3091 County Center Drive, Suite 220
Auburn, CA 95603

Office Address

Placer County Floodplain Management
3091 County Center Drive, Suite 220
Auburn, CA 95603



Office Hours

Mon-Fri: 8:00 AM - 5:00 PM

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