Extracted Data From: FEMA CRS Participating Communities

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The Community Rating System (CRS) is a voluntary incentive program that recognizes and encourages community floodplain management practices that exceed the minimum requirements of the National Flood Insurance Program (NFIP). Over 1,500 communities participate nationwide.
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This dataset includes:
1. Community Rating System eligible communities, effective October 1, 2024
2. CRS Communities Credit File, which provides detailed data about the credit points each CRS community receives
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In CRS communities, flood insurance premium rates are discounted to reflect the reduced flood risk resulting from the community’s efforts that address the three goals of the program:
(1) Reduce and avoid flood damage to insurable property
(2) Strengthen and support the insurance aspects of the National Flood Insurance Program
(3) Foster comprehensive floodplain management
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Flood insurance premium discounts in CRS communities range from 5% to 45% and are discounted in increments of 5%. A Class 10 community is not participating in the CRS and receives no discount. A Class 9 community receives a 5% discount for all policies, a Class 8 community receives a 10% discount, all the way to a Class 1 community, which receives a 45% premium discount.
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Classifications are based on the community’s CRS credit points obtained in 19 creditable activities. The CRS activities are organized in four categories:
1. Public Information
2. Mapping and Regulations
3. Flood Damage Reduction
4. Warning and Response
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Description adapted from: https://www.fema.gov/fact-sheet/community-rating-system#:~:text=CRS%20Credit&text=Points%20are%20awarded%20for%20engaging,(4)%20Warning%20and%20Response.

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社区评级系统（Community Rating System，CRS）是一项自愿性激励项目，旨在认可并鼓励社区采用超出《国家洪水保险计划》（National Flood Insurance Program，NFIP）最低要求的洪泛区管理实践。目前全美已有超过1500个社区参与该项目。

本数据集包含以下内容：
1. 2024年10月1日起生效的符合CRS资格的社区列表；
2. CRS社区积分档案，该档案包含各CRS社区所获积分的详细数据。

在参与CRS的社区中，洪水保险费率会根据社区为实现该项目三大目标所付出的努力而降低，以反映洪水风险的下降。该项目的三大目标为：
(1) 减少并规避可投保财产的洪水损失；
(2) 强化并支持《国家洪水保险计划》的保险属性；
(3) 推动全面的洪泛区管理。

CRS社区的洪水保险保费折扣幅度为5%至45%，以5%为阶梯递增。等级为10级的社区未参与CRS，无法享受任何折扣；等级为9级的社区所有保单均可享受5%的折扣，等级8级为10%，以此类推，等级1级的社区可享受45%的保费折扣。

社区等级根据其在19项可计分活动中获得的CRS积分确定。CRS活动分为四大类别：
1. 公共信息宣传；
2. 测绘与监管；
3. 洪水损失减免；
4. 预警与应急响应。

本描述改编自：https://www.fema.gov/fact-sheet/community-rating-system#:~:text=CRS%20Credit&text=Points%20are%20awarded%20for%20engaging,(4)%20Warning%20and%20Response.

搜集汇总

背景与挑战

背景概述

该数据集包含FEMA社区评级系统(CRS)参与社区的公开数据，主要包含合格社区列表和社区信用点详细信息。CRS是一个自愿激励计划，通过提供5%-45%的洪水保险折扣，鼓励社区采取超出国家洪水保险计划最低要求的洪水管理措施。