Florida joins 9 other states to fight against NFIP’s Risk Rating 2.0

Florida, Louisiana and the other states are challenging Risk Rating 2.0, which changed the methodology for determining flood insurance prices.

Among other things, the lawsuit alleges the system improperly considers “hypothetical” future risks and doesn’t properly account for mitigation projects to protect properties from flood damage.

Florida has joined nine other states in a federal lawsuit challenging an overhaul of the National Flood Insurance Program, arguing the new system is flawed and will drive up premiums for many property owners.

The lawsuit, led by Louisiana Attorney General Jeff Landry, was filed Thursday in the federal Eastern District of Louisiana against defendants such as the Federal Emergency Management Agency. It came after the program changes, which were phased in starting in 2021, became fully effective April 1.

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