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The Community Rating System allows communities that are members of the National Flood Insurance Program to earn discounts on flood insurance policies on property in their jurisdictions in exchange for accepting higher regulatory standards for floodplain management. Because of the points earned in this program, owners of property in A, AE, AH and V flood zones in unincorporated Lee County qualify for a 25 percent discount on the cost of flood insurance.  The discount in the X Zone, where flood insurance is optional, is 10 percent. The value of this discount in unincorporated Lee County is $15 million annually.

Residents of unincorporated Lee County will automatically receive this discount, and may confirm it by checking for this Community Identification – Lee County ID# 125124 – on their National Flood Insurance Program policy.

Incorporated areas of Lee County also participate in the Community Rating System, although the value of the discount differs among the communities.  For CRS discount information in those areas, please contact:

  • Bonita Springs: 239-949-6262
  • Cape Coral: 239-574-0553
  • Estero: 239-319-2811
  • Fort Myers: 239-321-7000
  • Fort Myers Beach: 239-765-0202
  • Sanibel: 239-472-3700


Flood mapping quick links:


Learn more about these Flood Insurance topics: