CRS Flood Insurance Rating Lowered
Means Flood Insurance Savings to Homeowners

The City of St. Augustine Planning & Building Department has been working for the past six months with a flood mitigation consultant in an effort to lower the community’s current CRS (Community Rating System) rating from an eight to a seven. The city participates in the National Flood Insurance Program (NFIP) administered by the Federal Emergency Management Agency (FEMA) which makes flood insurance coverage available to homeowners at reduced premiums.

The current flood insurance premium discount through NFIP is 10% and with the lowering of the CRS rating from an eight to a seven, homeowners will realize an additional 5% savings in their flood insurance premiums effective in 2012.

Since most areas of the City of St. Augustine are located within a Special Flood Hazard Area, homeowners are strongly encouraged to obtain flood insurance coverage.

Mark Knight, the Director of Planning & Building stated, “city staff has worked diligently with the consultant, FEMA, NFIP and ISO (regulatory agencies) to do everything possible to assist the taxpayer of the city in lowering their cost of living in the city. This should be good news to them.”

The CRS has not been lowered since 1998 and it’s been estimated that the savings to homeowners in St. Augustine will be approximately $160,000 total for the city's taxpayers.

For more information you can go to or call Planning and Building Department at 904.825.1065.

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