Community Rating System (CRS)

Effective May 1, 2013, citizens of unincorporated Effingham County who live in a Special Flood Hazard Area (commonly referred to as a flood zone) are eligible for 15% discounts on flood insurance, thanks to the County's participation in the Community Rating System (CRS) program.

CRS is a voluntary Federal Emergency Management Agency (FEMA) incentive program that recognizes and encourages community floodplain management activities that exceed the National Flood Insurance Program minimum requirements. The objective of CRS is to reward communities that are doing more to help their citizens prevent or reduce flood losses.

Class 7 Rating


FEMA has recognized Effingham County's superior performance in managing local floodplains by awarding a Class 7 rating. Out of the nearly 700 counties and cities in Georgia, only 45 are currently qualified for CRS, and of those, only 8 have a better rating than Effingham County.

Unincorporated County residents not located in a Special Flood Hazard Area are eligible for 5% discounts (Preferred Risk Policy holders excluded). Contact your insurance agent to sign up for flood insurance and take advantage of these savings. See FEMA's website for additional information about the Community Rating System.