Flood Insurance: Protecting You and Your Investment!
Risk Rating 2.0: How a
Policy is Determined
• FEMA began using Risk Rating 2.0 on
October 1, 2021, to establish a new risk-
informed rating plan that incorporates
a broader range of flood frequencies
and sources to help price all new and
renewing flood insurance policies. All
policies renewing on or after April 1, 2022
are subject to the Risk Rating 2.0 rating
methodology.