The City of Live Oak is a participant in the Community Rating System (CRS), which is a program that effectively reduces the flood insurance rates for the citizens of Live Oak located in a Special Flood Hazard Area (SFHA) when the City completes and maintains certain activities to the satisfaction of the CRS Administrator.

The City's participation in CRS reflects a commitment to a sound floodplain management program for the benefit of our citizens. Credits are accumulated by the City for maintaining a proactive floodplain management program. Currently the City has a 9 rating which has already reduced the flood insurance rates by 5%. Information on the topics listed below regarding the CRS program can be obtained in the City Building Department.

Key Topics Covered in the CRS Program

• Flood Insurance Rate Maps (FIRM)
• National Flood Insurance Program (NFIP)
• Elevation Certificate Information
• Floods Insurance Information
• Construction in a floodplain – City of Live Oak Floodplain Ordinance

Resources

• Association of State Floodplain Managers
• FEMA - Community Rating System
• FEMA - NIMS Resource Center
• FEMA - Flood Facts
• Department of Water Resources