Community Rating System (CRS) / NFIP flood insurance discount

How it works

Kansas City Water Services says it participates in FEMA’s Community Rating System (CRS) under the National Flood Insurance Program. CRS rewards communities that go beyond minimum floodplain-management requirements, and those community actions translate into flood insurance premium discounts for property owners.

What the money covers

This is not a direct grant or rebate check. The benefit is a discount on National Flood Insurance Program premiums.

Amounts and matching

The CRS page says increased CRS participation can produce savings on flood insurance premiums, sometimes up to 45%. A KC Water news post says all insurable properties in the city currently can receive a 15% discount off their NFIP flood insurance premium, automatically applied when the policy is purchased or renewed.

How to apply

The official page does not describe a homeowner application for the discount itself; the discount is tied to purchase or renewal of an NFIP flood insurance policy.

Timing and deadlines

No separate program deadline is stated on the CRS page. The KC Water news post says the discount is automatically applied upon purchase or renewal.

Important note for homeowners

This helps with flood risk, not with physical home-hardening work directly, but it is a current city-level financial benefit tied to natural-disaster resilience.