This fact sheet shares how the new rating system impacts homeowners’ insurance rates as well as methods that help lower rates.
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An informational flyer explaining FEMA’s Risk Rating 2.0 initiative. The top portion features a wide photograph of coastal homes elevated on pilings near a body of water. Below the image, a large bold title reads, “What is Risk Rating 2.0 and how will it affect my flood insurance?”, flanked on the right by logos for Sea Grant (Florida, Louisiana, Mississippi-Alabama) and NOAA. The main body consists of two columns of text explaining the transition from old flood insurance rating methods to the new system, citing changes since 1968. The left column includes section headings like “WHAT IS RISK RATING 2.0?” and a numbered list detailing the three historic components of insurance costs. The right column includes the heading “WHAT CAN REDUCE YOUR PREMIUM?” followed by a bulleted list of mitigation actions like installing flood openings and elevating structures onto posts, piles, or piers.