National Flood Insurance Program Community Rating System Net Load

The Community Rating System in the National Flood Insurance Program provides discounts to policyholders. However, the discount is cross-subsidized within each state meaning that some policyholders are paying higher insurance premiums that what is actuarially sound and are subsidizing the policies of others. This dataset shows how much the average policy in a county is benefiting from the cross-subsidization (negative net CRS load) or paying extra (positive net CRS load).

All datasets were generated using the code in the NetCRSLoad Github repository. 

File descriptions are below:

NFIP_crs_2025-01-01.csv - The processed National Flood Insurance Program policies dataset.

HE_Rural_Capacity_Index_March_2024_Download_Data.csv - Headwater Economics Rural Capacity Index dataset. https://headwaterseconomics.org/equity/rural-capacity-map/. 

fema_risk-rating-2.0_exhibits-2-3-4.xlsx - National Flood Insurance Program Risk Rating 2.0 Single-Family Homes policies data. https://www.fema.gov/flood-insurance/work-with-nfip/risk-rating/single-family-home. 

state_fips_master.csv - FIPS codes for states.

cb_2018_us_county_20m_netCRSload_2025-01-01.shp - Community Rating System net load averaged at the county level for NFIP policies in force on January 31, 2024. The "net_crs_lo" field represents the net load in dollar amounts. The "crsLoadPct" field represents the net load as a percent.

cb_2018_us_county_20m_netCRSload_RR2.shp - Community Rating System net load averaged at the county level for NFIP single-family home policies under Risk Rating 2.0. The "net_crs_lo" field represents the net load in dollar amounts. The "crsLoadPct" field represents the net load as a percent.

cb_2018_us_county_20m.shp - The county geospatial boundaries from the US Census. https://www.census.gov/geographies/reference-files/2020/demo/popest/2020-fips.html.