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3. 1 . 1 . 3 Community Rating System (CRS) The NFIP 's CRS was implemented in 1990 as a program for recognizing and encouraging community floodplain management activities that exceed the minimum NFIP standards . Under the CRS , flood insurance premium rates are adjusted to refl Bct the reduced flood risk resulting from community activities that meet the three goalc. of the CRS : 1 ) reduce flood losses ; 2 ) facilitate accurate insurance rating ; and 3 ) promote tie awareness of flood insurance . There are ten CRS classes : Class 1 requires the most credit points and gives the largest premium reduction ; Class 10 receives no premium reduction . The CRS recognizes 18 creditable activities , organized under four categories numbered 300 through 600 : Public Information , Mapping and Regulations , Flood Damage Reduction , and Flood Preparedness . 3. 1 . 1 . 4 Map Modernization The goal of FEMA's Map Modernization Plan is to upgrade the 100 , 000 panel flood map inventory by • developing up-to-date flood hazard data for all floodprone areas nationwide to support sound floodplain management and prudent flood insurance decisions ; providing the maps and data in digital format to improve the efficiency and precision with which mapping program customers can use this information ; fully integrating FEMA's community and State partners into the -napping process to build on local knowledge and efforts ; • improving processes to make it faster to create and update themaps ; and • improving customer services to speed processing of flood map Drders and raise public awareness of flood hazards . 3. 1 . 1 . 5 Flood Mitigation Assistance (FMA) Program The goal of the FMA Program is to reduce or eliminate claims under the NFIP . FMA provides funding to assist states and communities in implementing measures to reduce or eliminate the long -term risk of flood damage to buildings , manufactured homes , and other structures insurable under the NFIP . There are three types of grants available under FMA: Planning , Project, and Technical Assistance Grants . 3. 1 . 1 . 6 National Hurricane Program The National Hurricane Program conducts and supports many projects and activities that help protect communities and their residents from hurricane hazards . Three key components of the Program are Response and Recovery ; Planning , Training , and Preparedness ; and Mitigation . 3. 1 . 1 . 7 Other Programs The National Mitigation Strategy was developed to provide a framework for reducing the exposure of all Americans to the catastrophic losses caused by natural err disasters . In addition , FEMA sponsors the Mitigation Assistance , Disaster Preparedness Improvement Grant, Community Assistance , and Fannie Mae Pilot Loan Programs , 3-2