Risk Rating 2.0

FEMA is changing the way it views flood risk and prices flood insurance, making it easier for you to write and sell flood insurance policies.

The National Flood Insurance Program’s new rating methodology, Risk Rating 2.0, will deliver rates that are easier to understand and better reflect a property’s unique flood risk. Rates will now be developed on a structure-by-structure basis, offering your clients a more individualized picture of their risk.

Risk Rating 2.0 will provide you with an easy-to-use interface that relies on state-of-the-art industry technology and the NFIP’s mapping data, making it easier to quote and write policies. With a more transparent methodology for calculating rates, your clients will gain a greater understanding of how their premium cost reflects their true flood risk.


The resources on this page provide additional information about Risk Rating 2.0 that will benefit you and your clients.

Risk Rating 2.0 Agent Overview

The document provides an overview of the Risk Rating 2.0 case for change for insurance agents.