On April 1st 2023, Hawai'i achieved a huge milestone in its 43 years of participation in the National Flood Insurance Program (NFIP). Hawai'i becoming the only state with 100% participation in the FEMA’s Community Rating System (CRS).
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.
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:
- Reduce and avoid flood damage to insurable property
- Strengthen and support the insurance aspects of the National Flood Insurance Program
- Foster comprehensive floodplain management
View the NFIP Community Status Book to check on a community’s “NFIP status”
CRS Discounts for Hawai'i’s CRS communities:
| County | CRS Entry Date | Class | % Discount in SFHA | % Discount in non-SFHA |
| Maui | 10/1/1995 | 7 | 15% | 5% |
| Hawai'i | 5/1/2011 | 7 | 15% | 5% |
| Honolulu | 4/1/2022 | 8 | 10% | 5% |
| Kauaʻi | 4/1/2023 | 8 | 10% | 5% |
