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On April 1, 2022, FEMA adopted a new flood insurance risk rating methodology known as Risk Rating 2.0. The new approach incorporates private sector data sets, catastrophe models and evolving actuarial science to more equitably distribute premiums across all policyholders based on home value and a property’s unique flood. The updated methodology may affect the cost of existing flood insurance policies and additional information on Risk Rating 2.0 can be found on FEMA’s website.