Which flood‑mitigation measures actually produce NFIP/Risk Rating 2.0 premium credits today?
Raising your garage’s HVAC and water heater can lower flood risk, but don’t expect a big insurance discount under FEMA’s Risk Rating 2.0. The program looks at your property’s overall flood risk, not just one thing you do. So, while raising equipment helps, it might not cut premiums much unless you also do other flood prevention work like improving grading or adding barriers. It’s a good safety move that can avoid damage over time, but on its own, elevating equipment won’t likely save you much on insurance.
Under the National Flood Insurance Program’s (NFIP) Risk Rating 2.0, flood-mitigation measures can help reduce premiums, but the impact varies.