{"id":1002105,"date":"2026-09-09T15:35:03","date_gmt":"2026-09-09T19:35:03","guid":{"rendered":"https:\/\/www.marketnewsdesk.com\/index.php\/2-6-billion-in-nfip-subsidies-remain-five-years-into-risk-rating-2-0-neptune-flood-research-group-analysis-of-fema-data-shows\/"},"modified":"2026-09-09T15:35:03","modified_gmt":"2026-09-09T19:35:03","slug":"2-6-billion-in-nfip-subsidies-remain-five-years-into-risk-rating-2-0-neptune-flood-research-group-analysis-of-fema-data-shows","status":"publish","type":"post","link":"https:\/\/www.marketnewsdesk.com\/index.php\/2-6-billion-in-nfip-subsidies-remain-five-years-into-risk-rating-2-0-neptune-flood-research-group-analysis-of-fema-data-shows\/","title":{"rendered":"$2.6 Billion in NFIP Subsidies Remain Five Years into Risk Rating 2.0, Neptune Flood Research Group Analysis of FEMA Data Shows"},"content":{"rendered":"<p>        <!--.bwalignc { text-align: center; list-style-position: inside }\n.bwlistdisc { list-style-type: disc }body {font:normal small Arial,Helvetica,sans-serif;color:#000;background-color:#fff;padding:24px;margin:0;} a img {border:0;} h3 {font-size:medium;color:#000;margin:0 0 1em 0; text-align:center;}-->  <\/p>\n<p class=\"bwalignc\"><b>$2.6 Billion in NFIP Subsidies Remain Five Years into Risk Rating 2.0, Neptune Flood Research Group Analysis of FEMA Data Shows<\/b><\/p>\n<p class=\"bwalignc\"><i>42% of policyholders still pay below full-risk price; the remaining discount is concentrated in Florida, non-primary homes, and high-value properties, and is on track to phase out by the late 2030s<\/i><\/p>\n<p>ST. PETERSBURG, Fla.&#8211;(<a href=\"http:\/\/www.businesswire.com\">BUSINESS WIRE<\/a>)&#8211;<a rel=\"nofollow\" href=\"https:\/\/cts.businesswire.com\/ct\/CT?id=smartlink&amp;url=https%3A%2F%2Fneptuneflood.com&amp;esheet=54601373&amp;newsitemid=20260909824209&amp;lan=en-US&amp;anchor=Neptune+Flood&amp;index=1&amp;md5=5d4f557e7d84af9d300aa55d30b0aeb1\">Neptune Flood<\/a>, the largest private flood insurance provider in the United States, today released a report analyzing FEMA\u2019s public policy-level data on National Flood Insurance Program (NFIP) pricing five years after the launch of Risk Rating 2.0. The report, <i>\u201cThe $2.6 Billion That Remains: NFIP Subsidization Five Years into Risk Rating 2.0,\u201d<\/i> quantifies how much below-full-risk pricing remains, where it sits, who holds it, and when it ends.<\/p>\n<p>\nThe data shows the reform is working as designed: more than half of NFIP policies are now priced at full risk, up from one third in December 2022. But 1.5 million policyholders, 42% of the program, still pay below their full-risk price, a gap of roughly $2.6 billion per year. Under the statutory 18% annual rate cap, another $10 to $13 billion will be subsidized before the gap closes in the late 2030s.<\/p>\n<p><b>Key findings from FEMA\u2019s data:<\/b><\/p>\n<ul class=\"bwlistdisc\">\n<li><b>Homes valued at $1 million or more hold at least 17% of the subsidy<\/b> on 4% of policies.\n<\/li>\n<li><b>Second homes, rentals, and businesses hold 42% of subsidy dollars<\/b> on 28% of policies.\n<\/li>\n<li><b>Florida holds 48% of the national subsidy<\/b>, $1.2 billion per year.\n<\/li>\n<li><b>The 10% of areas with the most flood losses hold 70% of subsidy dollars<\/b>; areas with no claims hold 2%.\n<\/li>\n<li><b>The subsidy is closing at roughly $50 million per month<\/b>, but 43% of that closure came from policyholders leaving the program.\n<\/li>\n<\/ul>\n<p>\n\u201cRisk Rating 2.0 is doing what it was designed to do, and most policyholders now pay the full-risk price,\u201d said Trevor Burgess, CEO of Neptune Flood. \u201cWhat remains is measurable, concentrated, and closing on a known timeline. That clarity gives policymakers the information they need to plan the next phase deliberately.\u201d<\/p>\n<p>\nMuch of the pushback on rising NFIP prices centers on affordability. The data shows, however, that most of the remaining discount flows to second homes, businesses, and high-value properties rather than to the households that need help. The report recommends continuing the phase-out while providing direct, means-tested assistance to the primary homeowners who need it.<\/p>\n<p><a rel=\"nofollow\" href=\"https:\/\/cts.businesswire.com\/ct\/CT?id=smartlink&amp;url=https%3A%2F%2Fneptuneflood.com%2Fresearch%2Fnfip-subsidization-five-years-in%2F&amp;esheet=54601373&amp;newsitemid=20260909824209&amp;lan=en-US&amp;anchor=Click+here+to+view+the+complete+analysis.&amp;index=2&amp;md5=ade0c6b797579bde617ba126c76c3c33\">Click here to view the complete analysis.<\/a><\/p>\n<p><b>About Neptune Flood<\/b><\/p>\n<p>\nNeptune Flood (NYSE: NP) is a leading, data-driven managing general agent offering a range of easy-to-purchase residential and commercial insurance products, including primary flood and excess flood insurance, distributed through a nationwide network of agencies. Leveraging proprietary artificial intelligence and advanced data science, Neptune delivers fast, accurate, and accessible coverage for residential and commercial properties across the United States. The Company operates without human underwriters, using Triton<sup>\u00ae<\/sup>, its cutting-edge platform to streamline underwriting, pricing, and policy issuance.<\/p>\n<p><img decoding=\"async\" alt=\"\" src=\"https:\/\/cts.businesswire.com\/ct\/CT?id=bwnews&amp;sty=20260909824209r1&amp;sid=flmnd&amp;distro=nx&amp;lang=en\" style=\"width:0;height:0\" \/><span class=\"bwct31415\" \/><\/p>\n<p id=\"mmgallerylink\"><span id=\"mmgallerylink-phrase\">View source version on businesswire.com: <\/span><span id=\"mmgallerylink-link\"><a href=\"https:\/\/www.businesswire.com\/news\/home\/20260909824209\/en\/\" rel=\"nofollow\">https:\/\/www.businesswire.com\/news\/home\/20260909824209\/en\/<\/a><\/span><\/p>\n<p>\nMedia Contact:<br \/>\n<br \/>Loren Pomerantz<br \/>\n<br \/>917-902-0219<br \/>\n<br \/><a rel=\"nofollow\" href=\"mailto:Loren@combined-forces.com\">Loren@combined-forces.com<\/a><\/p>\n<p><b>KEYWORDS:<\/b> Florida United States North America<\/p>\n<p><b>INDUSTRY KEYWORDS:<\/b> Environment Commercial Building &amp; Real Estate Construction &amp; Property Insurance Natural Disasters Law Enforcement\/Emergency Services Professional Services Public Policy\/Government White House\/Federal Government Residential Building &amp; Real Estate<\/p>\n<p><b>MEDIA:<\/b><\/p>\n<table cellpadding=\"3\" cellspacing=\"3\">\n<tr>\n<td><font face=\"Arial\" size=\"2\"><b>Logo<\/b><\/font><\/td>\n<\/tr>\n<tr>\n<td><img decoding=\"async\" src=\"https:\/\/mms.businesswire.com\/media\/20260909824209\/en\/2895525\/3\/Neptune_Horizon_DeepSea.jpg\" alt=\"Logo\" \/><\/td>\n<\/tr>\n<tr>\n<td><font face=\"Arial\" size=\"2\"><\/font><\/td>\n<\/tr>\n<\/table>\n","protected":false},"excerpt":{"rendered":"<p>$2.6 Billion in NFIP Subsidies Remain Five Years into Risk Rating 2.0, Neptune Flood Research Group Analysis of FEMA Data Shows 42% of policyholders still pay below full-risk price; the remaining discount is concentrated in Florida, non-primary homes, and high-value properties, and is on track to phase out by the late 2030s ST. PETERSBURG, Fla.&#8211;(BUSINESS WIRE)&#8211;Neptune Flood, the largest private flood insurance provider in the United States, today released a report analyzing FEMA\u2019s public policy-level data on National Flood Insurance Program (NFIP) pricing five years after the launch of Risk Rating 2.0. The report, \u201cThe $2.6 Billion That Remains: NFIP Subsidization Five Years into Risk Rating 2.0,\u201d quantifies how much below-full-risk pricing remains, where it sits, who holds it, and &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/www.marketnewsdesk.com\/index.php\/2-6-billion-in-nfip-subsidies-remain-five-years-into-risk-rating-2-0-neptune-flood-research-group-analysis-of-fema-data-shows\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;$2.6 Billion in NFIP Subsidies Remain Five Years into Risk Rating 2.0, Neptune Flood Research Group Analysis of FEMA Data Shows&#8221;<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[],"class_list":["post-1002105","post","type-post","status-publish","format-standard","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>$2.6 Billion in NFIP Subsidies Remain Five Years into Risk Rating 2.0, Neptune Flood Research Group Analysis of FEMA Data Shows - Market Newsdesk<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.marketnewsdesk.com\/index.php\/2-6-billion-in-nfip-subsidies-remain-five-years-into-risk-rating-2-0-neptune-flood-research-group-analysis-of-fema-data-shows\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"$2.6 Billion in NFIP Subsidies Remain Five Years into Risk Rating 2.0, Neptune Flood Research Group Analysis of FEMA Data Shows - Market Newsdesk\" \/>\n<meta property=\"og:description\" content=\"$2.6 Billion in NFIP Subsidies Remain Five Years into Risk Rating 2.0, Neptune Flood Research Group Analysis of FEMA Data Shows 42% of policyholders still pay below full-risk price; the remaining discount is concentrated in Florida, non-primary homes, and high-value properties, and is on track to phase out by the late 2030s ST. PETERSBURG, Fla.&#8211;(BUSINESS WIRE)&#8211;Neptune Flood, the largest private flood insurance provider in the United States, today released a report analyzing FEMA\u2019s public policy-level data on National Flood Insurance Program (NFIP) pricing five years after the launch of Risk Rating 2.0. The report, \u201cThe $2.6 Billion That Remains: NFIP Subsidization Five Years into Risk Rating 2.0,\u201d quantifies how much below-full-risk pricing remains, where it sits, who holds it, and &hellip; Continue reading &quot;$2.6 Billion in NFIP Subsidies Remain Five Years into Risk Rating 2.0, Neptune Flood Research Group Analysis of FEMA Data Shows&quot;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.marketnewsdesk.com\/index.php\/2-6-billion-in-nfip-subsidies-remain-five-years-into-risk-rating-2-0-neptune-flood-research-group-analysis-of-fema-data-shows\/\" \/>\n<meta property=\"og:site_name\" content=\"Market Newsdesk\" \/>\n<meta property=\"article:published_time\" content=\"2026-09-09T19:35:03+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cts.businesswire.com\/ct\/CT?id=bwnews&amp;sty=20260909824209r1&amp;sid=flmnd&amp;distro=nx&amp;lang=en\" \/>\n<meta name=\"author\" content=\"Newsdesk\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Newsdesk\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/2-6-billion-in-nfip-subsidies-remain-five-years-into-risk-rating-2-0-neptune-flood-research-group-analysis-of-fema-data-shows\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/2-6-billion-in-nfip-subsidies-remain-five-years-into-risk-rating-2-0-neptune-flood-research-group-analysis-of-fema-data-shows\\\/\"},\"author\":{\"name\":\"Newsdesk\",\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/#\\\/schema\\\/person\\\/482f27a394d4fda80ecb5499e519d979\"},\"headline\":\"$2.6 Billion in NFIP Subsidies Remain Five Years into Risk Rating 2.0, Neptune Flood Research Group Analysis of FEMA Data Shows\",\"datePublished\":\"2026-09-09T19:35:03+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/2-6-billion-in-nfip-subsidies-remain-five-years-into-risk-rating-2-0-neptune-flood-research-group-analysis-of-fema-data-shows\\\/\"},\"wordCount\":538,\"image\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/2-6-billion-in-nfip-subsidies-remain-five-years-into-risk-rating-2-0-neptune-flood-research-group-analysis-of-fema-data-shows\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/cts.businesswire.com\\\/ct\\\/CT?id=bwnews&amp;sty=20260909824209r1&amp;sid=flmnd&amp;distro=nx&amp;lang=en\",\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/2-6-billion-in-nfip-subsidies-remain-five-years-into-risk-rating-2-0-neptune-flood-research-group-analysis-of-fema-data-shows\\\/\",\"url\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/2-6-billion-in-nfip-subsidies-remain-five-years-into-risk-rating-2-0-neptune-flood-research-group-analysis-of-fema-data-shows\\\/\",\"name\":\"$2.6 Billion in NFIP Subsidies Remain Five Years into Risk Rating 2.0, Neptune Flood Research Group Analysis of FEMA Data Shows - 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PETERSBURG, Fla.&#8211;(BUSINESS WIRE)&#8211;Neptune Flood, the largest private flood insurance provider in the United States, today released a report analyzing FEMA\u2019s public policy-level data on National Flood Insurance Program (NFIP) pricing five years after the launch of Risk Rating 2.0. The report, \u201cThe $2.6 Billion That Remains: NFIP Subsidization Five Years into Risk Rating 2.0,\u201d quantifies how much below-full-risk pricing remains, where it sits, who holds it, and &hellip; Continue reading \"$2.6 Billion in NFIP Subsidies Remain Five Years into Risk Rating 2.0, Neptune Flood Research Group Analysis of FEMA Data Shows\"","og_url":"https:\/\/www.marketnewsdesk.com\/index.php\/2-6-billion-in-nfip-subsidies-remain-five-years-into-risk-rating-2-0-neptune-flood-research-group-analysis-of-fema-data-shows\/","og_site_name":"Market Newsdesk","article_published_time":"2026-09-09T19:35:03+00:00","og_image":[{"url":"https:\/\/cts.businesswire.com\/ct\/CT?id=bwnews&amp;sty=20260909824209r1&amp;sid=flmnd&amp;distro=nx&amp;lang=en","type":"","width":"","height":""}],"author":"Newsdesk","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Newsdesk","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.marketnewsdesk.com\/index.php\/2-6-billion-in-nfip-subsidies-remain-five-years-into-risk-rating-2-0-neptune-flood-research-group-analysis-of-fema-data-shows\/#article","isPartOf":{"@id":"https:\/\/www.marketnewsdesk.com\/index.php\/2-6-billion-in-nfip-subsidies-remain-five-years-into-risk-rating-2-0-neptune-flood-research-group-analysis-of-fema-data-shows\/"},"author":{"name":"Newsdesk","@id":"https:\/\/www.marketnewsdesk.com\/#\/schema\/person\/482f27a394d4fda80ecb5499e519d979"},"headline":"$2.6 Billion in NFIP Subsidies Remain Five Years into Risk Rating 2.0, Neptune Flood Research Group Analysis of FEMA Data Shows","datePublished":"2026-09-09T19:35:03+00:00","mainEntityOfPage":{"@id":"https:\/\/www.marketnewsdesk.com\/index.php\/2-6-billion-in-nfip-subsidies-remain-five-years-into-risk-rating-2-0-neptune-flood-research-group-analysis-of-fema-data-shows\/"},"wordCount":538,"image":{"@id":"https:\/\/www.marketnewsdesk.com\/index.php\/2-6-billion-in-nfip-subsidies-remain-five-years-into-risk-rating-2-0-neptune-flood-research-group-analysis-of-fema-data-shows\/#primaryimage"},"thumbnailUrl":"https:\/\/cts.businesswire.com\/ct\/CT?id=bwnews&amp;sty=20260909824209r1&amp;sid=flmnd&amp;distro=nx&amp;lang=en","inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.marketnewsdesk.com\/index.php\/2-6-billion-in-nfip-subsidies-remain-five-years-into-risk-rating-2-0-neptune-flood-research-group-analysis-of-fema-data-shows\/","url":"https:\/\/www.marketnewsdesk.com\/index.php\/2-6-billion-in-nfip-subsidies-remain-five-years-into-risk-rating-2-0-neptune-flood-research-group-analysis-of-fema-data-shows\/","name":"$2.6 Billion in NFIP Subsidies Remain Five Years into Risk Rating 2.0, Neptune Flood Research Group Analysis of FEMA Data Shows - 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