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This study analyzes which communities adopted flood risk management practices during the past 25 years. In particular, we focus on community-scale flood management efforts undertaken voluntarily in towns and counties across the United States. In 1990, the US Federal Emergency Management Agency created the Community Rating System (CRS) to provide incentives to local governments to improve flood resilience. About 1,300 counties and cities voluntarily participate in the CRS, but most eligible communities do not participate. Here, we explore the factors shaping community CRS participation, such as flood risk, socio-economic characteristics, and economic resources, and we assess the competing phenomena ofmore »