Managing repetitive loss data

Repetitive Loss (RL) data in Forerunner helps communities participating in the Community Rating System (CRS) track properties with multiple flood insurance claims. This data comes from FEMA’s National Flood Insurance Program (NFIP) and is essential for CRS documentation and community resilience planning.

What is repetitive loss?

A repetitive loss property is one that has experienced multiple flood insurance claims under the NFIP. FEMA tracks these properties and provides data to communities to help identify high-risk areas and prioritize mitigation efforts.

FEMA definitions

Term	Definition
Repetitive Loss (RL)	A property with 2 or more flood insurance claims of $1,000+ within any 10-year period
Severe Repetitive Loss (SRL)	A property with 4+ claims of $5,000+ each, or 2+ claims totaling more than the property value
Mitigated	A property where mitigation actions have been completed to reduce flood risk

Why repetitive loss matters

CRS credit

The Community Rating System awards credit for:

Maintaining an accurate repetitive loss list
Tracking and documenting RL properties
Conducting outreach to RL property owners
Implementing mitigation projects

Risk identification

RL data helps communities:

Identify areas with chronic flooding
Prioritize mitigation funding
Target outreach efforts
Document flood history for planning

Compliance requirements

CRS participating communities must:

Maintain current RL data
Update the list when properties are mitigated
Document outreach activities
Report during CRS verification visits

Repetitive loss data in Forerunner

Forerunner integrates repetitive loss data with your property records, making it easier to track, manage, and document RL properties.

What’s included

RL records in Forerunner may include:

Data field	Description
RL number	Unique identifier from FEMA
Property location	Address and coordinates
Total losses	Number of claims filed
Total paid	Cumulative claim payments
Mitigation status	Whether property has been mitigated
NFIP insured status	Current insurance status

The specific data fields available depend on your account configuration and the data provided by FEMA. Contact your CSM for details about what’s included in your RL data.

Viewing RL properties

RL data is typically linked to property records:

Navigate to a property in Forerunner
Look for repetitive loss indicators or fields
View claim history and mitigation status
Access related documentation

Identifying RL properties

Properties with repetitive loss status may be indicated through:

Property attribute fields showing RL status
Visual indicators on the map
Filters in table views
Reports and exports

Data imports

RL data is imported by your Customer Success Manager:

FEMA provides updated RL lists to communities
Your CSM coordinates data import into Forerunner
Properties are matched to your parcel data
Unmatched records may require manual review

To request an RL data import or update, contact your Customer Success Manager with the data file from FEMA.

Data updates

RL records may need updates when:

FEMA provides new data
Properties are mitigated
Claim information changes
Properties are demolished or combined
Address corrections are needed

Mitigation tracking

Track mitigation status for RL properties:

Mark properties as mitigated when projects complete
Document mitigation activities in records
Link to grant or project records
Update status for CRS reporting

Working with RL data

Viewing RL information

Depending on your configuration, you can view RL data through: Property pages

RL status fields on property details
Linked RL records showing claim history
Related files and documentation

Table views

Filter tables to show RL properties
Sort by claim count or payment totals
Export RL lists for reporting

Maps

RL properties displayed with distinct styling
Geographic clustering visible
Filter map to show only RL properties

Reporting and exports

Export RL data for CRS documentation:

Generate RL property lists
Include claim history and mitigation status
Filter by geography or status
Format for CRS verification

Create a saved table view for RL properties to quickly access this data during CRS visits or for regular reporting.

Privacy and access

Repetitive loss data contains sensitive information and has restricted access:

Access controls

RL data access requires specific permissions
Not all user roles can view RL information
Public users cannot access RL data
PII within RL records is protected

What’s restricted

Information	Access
RL property locations	Authorized internal users
Claim amounts	Users with PII access
Owner information	Users with PII access
Mitigation status	Authorized internal users

RL data includes personally identifiable information about property owners and their insurance claims. Only access this data when necessary for your work, and never share it publicly.

CRS documentation

Use Forerunner to support your CRS verification:

What you can document

Current RL property count
Mitigation progress and completions
Outreach activities to RL owners
Historical changes to the RL list

Preparing for verification

Generate current RL property list
Document mitigation activities in records
Review RL property outreach records
Export reports needed for verification
Work with your CSM for custom reports

Common workflows

Annual RL list update

When you receive updated RL data from FEMA:

Receive FEMA data

Obtain the updated RL list from FEMA or your state coordinator.

Contact your CSM

Send the data file to your Customer Success Manager for import.

Review import results

CSM provides summary of new, updated, and unmatched records.

Address issues

Work with CSM to resolve any unmatched properties or data questions.

Document the update

Note the update date for CRS documentation.

Tracking a mitigation project

When an RL property is mitigated:

Document completion

Create or update records documenting the mitigation project completion.

Update property status

Mark the property as mitigated in the appropriate field.

Link documentation

Attach completion certificates, photos, or other documentation.

Update RL record

Note the mitigation in the RL tracking information.

RL owner outreach

Document outreach to repetitive loss property owners:

Create records for each outreach activity
Link records to the property
Track response and follow-up
Document CRS outreach requirements

Data issues and resolution

Common issues

Property not matching

If an RL record doesn’t match a property in your database:

Address format may differ
Property may have been subdivided or combined
Parcel data may need updating

Work with your CSM to manually match or resolve.

Outdated information

If RL data appears outdated:

Check when data was last imported
Request updated data from FEMA
Contact your CSM for a new import

Missing RL status

If a property should show RL status but doesn’t:

Verify the property was in the FEMA data
Check if it matched during import
Contact your CSM to investigate

Incorrect claim data

If claim amounts or counts seem wrong:

Compare with your FEMA source data
RL data comes directly from FEMA
Discrepancies should be reported to FEMA

Getting help

For RL data issues:

Data imports and updates - Contact your Customer Success Manager
Access problems - Contact your Manager for permission adjustments
FEMA data questions - Work through your state NFIP coordinator
CRS requirements - Consult your ISO/CRS coordinator

Best practices

Data management

Request regular data updates from FEMA
Document all changes to RL status
Maintain accurate mitigation records
Keep property addresses current

CRS compliance

Create saved views for RL properties
Export reports before verification visits
Document all outreach activities
Track mitigation projects in Forerunner

Privacy protection

Limit access to users who need RL data
Never share RL lists publicly
Protect owner contact information
Follow your organization’s data policies

Data security and privacy - How Forerunner protects sensitive data
User roles - Permission levels and access control
Tables overview - Creating views and exporting data
Records overview - Documenting activities and workflows

Getting started

Objects

Records

Files

Maps

Tables

Tasks

Workflows

Mobile App

Public Website

AI

Administration

​What is repetitive loss?

​FEMA definitions

​Why repetitive loss matters

​CRS credit

​Risk identification

​Compliance requirements

​Repetitive loss data in Forerunner

​What’s included

​Viewing RL properties

​Identifying RL properties