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Risk Rating 2.0 goes into effect on Oct. 1, 2021 and will only apply to new flood polities. Existing policyholders eligible for renewal will be able to take advantage of immediate decreases in their premiums, according to FEMA. (Photo: Sabina Zak/Shutterstock.com) Risk Rating 2.0 goes into effect on Oct. 1, 2021, and will only apply to new flood policies. Existing policyholders eligible for renewal will be able to take advantage of immediate decreases in their premiums, according to FEMA. (Photo: Sabina Zak/Shutterstock.com)

FEMA is calling its Risk Rating 2.0 pricing plan for flood insurance “Equity in Action.”

But is it?

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