Changes to the National Flood Insurance Program proposed. The system, known as "Risk Rating 2.0," would calculate premiums based on a number of "logical rating variables," including the distance.

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Only 17 percent of homeowners in the eight counties most directly affected by Harvey have flood insurance policies, according to a Washington Post analysis of Federal. of cash and just hands it out.

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The new rating means home and business owners may pay less for property insurance. Most insurers use ISO’s Public Protection Classification program to calculate premiums. Jr., of Water Services and.