[20220404]IN11777_国家洪水保险计划风险评级2.0：常见问题解答.pdf

CRS INSIGHT Prepared for Members and Committees of Congress INSIGHTINSIGHTi i National Flood Insurance Program Risk Rating 2.0: Frequently Asked Questions Updated April 4, 2022 This Insight answers some frequently asked questions about Risk Rating 2.0, which came into effect fully on April 1, 2022, changing the way the National Flood Insurance Program (NFIP) calculates flood insurance premiums. For additional information, see CRS Report R45999, National Flood Insurance Program: The Current Rating Structure and Risk Rating 2.0, by Diane P. Horn. What Is Risk Rating 2.0? Risk Rating 2.0 is a new pricing methodology and represents the biggest change to the way the NFIP calculates flood insurance premiums since the program began in 1968. Premiums calculated under Risk Rating 2.0 reflect an individual propertys specific flood risk and more types of flood risk, as opposed to being placed in a general risk category based on location and property type. Why Is the NFIP Introducing Risk Rating 2.0? The NFIP updated its rating methodology to calculate flood insurance premiums for individual properties based on actual flood risk. This is intended to produce rates that are more equitable, and t