Welcome to the City of Albuquerque

20.1 FEMA National Flood Insurance Ratings and Comparisons

This indicator describes the extent to which a community has planned for, is mitigating flood damage, and is educating the public about the dangers of flooding.

This indicator is part of Reliable storm water system.

Indicator description:

Floods are one of the most common hazards in the United States. Property in flood prone areas can be insured against loss through the National Flood Insurance Program (NFIP), administered through the Federal Emergency Management Administration (FEMA). The NFIP Community Rating System (CRS) is a voluntary incentive program that encourages community floodplain management activities that exceed the minimum NFIP requirements. Flood insurance premium rates are discounted to reflect the reduced flood damage risk resulting from the community actions that meet the three goals of the CRS: reduce flood losses; facilitate accurate insurance rating; and promote the awareness of flood insurance. For CRS participating communities, flood insurance premium rates are discounted in increments relative to the progress a community makes, based on 18 activities, in four categories: Public Information, Mapping and Regulations, Flood Damage Reduction, and Flood Preparedness.

Rollover and click the interactive graphs to make comparisons

Flood Insurance Policies and Discounts Based on Evaluations
Jurisdiction Flood Policies Total Premiums (k) Total CRS Discount (k) Average Discount per Policy
Tucson 2,114 $1,620 $335 $158.47
Austin 5,554 $3,177 $579 $104.25
Colorado Springs 1,055 $925 $81 $76.78
ABQ 1,379 $867 $35 $25.38
El Paso 5,189 $3,005 $132 $25.44
Salt Lake City and Oklahoma City did not apply for the CRS and their residents' policies do not recieve a discount.


FEMA National Flood Insurance Program Community Rating Summary (CRS) May 1, 2010
National Average Tucson Austin Albuquerque Colorado Springs El Paso
Public Information 406 457 311 201 531 230
Mapping and Regulations 831 1084 1313 327 546 411
Flood Damage Reduction 633 329 562 253 0 250
Flood Preparedness 376 172 111 57 75 46
Total Points 2246 2042 2297 838 1152 937

Why is this indicator relevant?

The Community Rating System creates an index that measures the extent to which a community has planned for, is mitigating flood damage, and is educating the public about the dangers of flooding. The greater the improvement the less property owners pay for flood insurance. New Mexico and Albuquerque in particular do not receive much precipitation and upstream dams now control river (Rio Grande) flooding; yet, flooding is still a problem that requires significant infrastructure investments by the State, City, and the Albuquerque Metropolitan Arroyo Flood Control Authority (AMAFCA). The City manages 74 ponds totaling 229 acres, maintains almost 3 million feet of collector storm drain pipes, and shares responsibility with AMAFCA for over 632,881 linear feet of concrete lined channels that help protect the City from flooding.

Data Sources:
US Department of Homeland Security, Federal Emergency Management Agency, National Flood Insurance Program; City of Albuquerque Planning Department.

What can we tell from the data?

  • Albuquerque invests significant resources in storm water management; yet, it ranks near the bottom in activities that reduce the cost of flood insurance for residents.
  • Albuquerque ranks below the national average in all activities relating to public information, flood damage reduction, and preparedness and mapping and regulations, which include open space preservation, higher regulatory standards, data maintenance, and storm water management.
  • The average Tucson resident receives six times the discount that the Albuquerque resident receives.


For Help in understanding this page, see Understanding Indicators.

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