FEMA's flood insurance has undergone a significant change

Because you live in a flood zone you are one of the many affected by the new changes that the Federal Emergency Management Agency (FEMA) has implemented starting October 1, 2021.

FEMA has launched a new methodology for pricing flood insurance and determining an individual property’s flood risk.

Their method, Risk Rating 2.0, bases pricing on a combination of characteristics, such as how a building appears and how close it is to a range of flooding sources, rather than on general flood zones.

Schedule a free flood insurance review
Flood in the residential area of Virginia

What's changed?

Flood near the homes in Virginia

Know Your Options

There are two types of flood insurance. The National Flood Insurance Program (NFIP) and private market options. Typically, insurance through the private market can be a significant cost savings compared to the NFIP. Your property and situation will dictate which you qualify for.

With the new Risk Rating 2.0 in effect, it could be to your advantage to switch to private flood insurance.

What are my next steps?


Be proactive and contact our team of trusted advisors to help you understand the difference between NFIP and private flood insurance.


Your process will be easy and stress-free, as our team will provide you with a flood zone determination along with your quote options.


Our team is knowledgeable in Letter of Map Amendment (LOMA) and flood zone mitigation and remediation to lower flood premiums.

Request your free flood insurance review

We’re ready to assist you with navigating these changes as a local and trusted insurance agency; providing knowledge and peace of mind, so that you feel confident with your flood insurance.

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