Delta communities can lower flood insurance costs by improving their National Flood Insurance Program community ratings.

The Measure

Community credit points in National Flood Insurance Program (NFIP) Community Rating System (CRS) increase.

  • Expectations

    Communities in the Delta take actions to reduce flood risks and reduce flood insurance premiums for their residents.

  • Performance Metrics

    • Community Rating System credit points in the NFIP evaluated at least every five years.

Community Rating System (CRS) Credit Ratings

The chart shows Community Rating System (CRS) credit ratings for Delta Counties.  The target is a 1 percent increase in CRS rating by 2025.

In California, the state is liable for flood-related damages caused by levee failures. The California Department of Water Resources (DWR) in 2005 prepared a Flood Management White Paper outlining integrated approaches to reduce flood risks and included a recommendation to require houses and businesses to have flood insurance.

The National Flood Insurance Program (NFIP) provides affordable insurance to property owners, renters, and businesses to reduce impacts of flooding on private and public structures. The NFIP uses a community rating system as a voluntary incentive program to encourage activities that exceed the minimum NFIP requirements.

The Community Rating System (CRS) allows communities to decrease the cost of flood insurance for their citizens by taking actions to reduce flood risk. Lowering premiums encourages greater flood insurance coverage throughout the community which decreases both state and local liability.

This performance measure tracks progress toward improving CRS scores.

Each chapter of the Delta plan includes strategies to achieve the goals of the plan. These strategies are general guidance on achieving the objective laid out in the plan and in the Delta Reform Act of 2009. Associated with these strategies are recommendations. The recommendations describe more specific and implementable actions to support the achievement of Delta Plan strategies. Strategies and recommendations may also have associated performance measures. Delta Plan performance measures track progress in achieving desired outcomes for the Delta Plan. Below are the strategies and recommendations associated with this performance measure.

Delta Plan Strategy
  • Limit State Liability
Delta Plan Recommendations
  • Improve Delta Communities’ National Flood Insurance Program Community Rating System (CRS) Program Rankings
  • Require Flood Insurance
  • Limit State Liability

 

Metric

Community Rating System credit points of Delta communities participating in the NFIP. This will be evaluated at least every five years.

Baseline

Community Rating System credit points at the time of Delta Plan adoption, May 2013 or nearest available date.

Target

One percent increase in Community Rating System credit points by 2025.

Data Source

2012 Community scores for California

2014 Community scores for California

Methods

Delta communities were gathered from the reported data along with the statewide data.

Have questions or comments about this measure? Contact Us