National Flood Insurance Program

A good rating by FEMA means up to a 40% reduction for those who use the National Flood Insurance Program.

The policy will force homeowners to also buy flood insurance — even if their homes aren’t in designated flood zones.

FEMA says its new rates better reflect the risk from more intense and frequent rain and floods. The increase could make housing unaffordable for some in the most flood-prone areas.

Risk Rating 2.0 is the first major change to the National Flood Insurance Program since the 1970s.

Risk Rating 2.0 is the first major change to the National Flood Insurance Program since the 1970s.

Risk Rating 2.0 is the first change to the way the National Flood Insurance Program calculates premiums since the 1970s and represents the biggest shift since the program was founded in the 1960s.

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