What Does a Land Zoned CRS Mean in Indiana?
The Community Rating System, or CRS, is part of the National Flood Insurance Program (NFIP) for Indiana. Communities that have been zoned as CRS lie within a floodplain and are encouraged with incentives to properly manage the possibilities of floodwaters.
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Bureaucracy
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The National Flood Insurance Program is managed by the Flood Insurance and Mitigation Administration (FIMA), which is a component of the Federal Emergency Management Agency (FEMA). Communities apply to FEMA to be part of the state CRS, with the Flood Insurance Program offering incentives for insurance companies.
Considerations
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Within land zoned CRS in Indiana, authorities at the Department of Natural Resources require buildings to meet minimum standards to withstand flooding, help provide data to insurance companies and help landowners obtain flood insurance.
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Proactive Help
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Communities are encouraged by the federal agencies to go beyond CRS basic requirements and to actively seek ways to map where the flooding occurs and to control erosion to prevent flooding. There are no financial incentives other than helping to save their residents on insurance and replacement costs.
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