CEDAR RAPIDS — When the Cedar River flooded over 10 square miles of the city in 2008, few property owners had flood insurance — slowing recovery for residents and business owners as they waited for resources from the federal government. In 2010, city officials set out to change that by beginning the process to participate in the National Flood Insurance Program’s Community Rating System, administered by the Federal Emergency Management Agency. The city’s participation in the program means residents who buy flood insurance receive lower premiums for their homes or businesses. The city’s efforts to reduce flood damage, foster comprehensive flood plain management and work toward building a more flood-resilient community have earned it a designation as a Class 6 community. The means a 20 percent discount on flood insurance premiums for Cedar Rapids residents compared with those in communities not in the program.