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FEMA Flood Insurance Rate Change Beginning Oct. 1

CHARLOTTE COUNTY, Fla. (Sept. 15, 2021) – National Flood Insurance Program insurance rates are changing.

The NFIP is implementing a new phased methodology for rating flood insurance policies. This will affect many flood policies in Charlotte County. The new methodology will enable the Federal Emergency Management Agency to deliver rates that are actuarily sound, equitable, easier to understand and better reflect a property’s flood risk.

New policies beginning Oct. 1, 2021, will be subject to the new rating methodology.  Existing policyholders eligible for renewal will be able to take advantage of immediate decreases in their premiums.

All remaining policies renewing on or after April 1, 2022, will be subject to the new rating methodology.

Contact your insurance provider to find out how this will affect you. To locate an insurance agent near you, go to www.floodSmart.gov.

For information about Risk Rating 2.0, visit www.fema.gov/flood-insurance/risk-rating

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