INDEX 


A 


ABOVE GROUND BUILDING, PRINCIPALLY .................. GR 3, DEF 7 
ACT................................................................REF 1,GR7,DEF1 
ACTUAL CASH VALUE (ACV).................................................DEF 1 
ADDITIONS AND EXTENSIONS (TO BUILDING) .........GR 5, RATE 15 
ADJUSTER CONTROL OFFICE......................................CL3,DEF1 
ALTERNATIVE RATES ............................. RATE 20, END 1–2, DEF 1 
ANCHORED .......................................................... GR 3–4, DEF 1 
APPLICATION................................GR 14, APP 1–15, CONDO 7–8, 
PRP 7–10, DEF 1 
Binder or Certificate of Insurance........................ GR 15, DEF 1 
Flood Insurance Application Form ..........................APP 13–15 
Incomplete/Incorrect Applications.................................APP 11 
Mailing Instructions.................................GR 8, 14, APP 10–11 
APPURTENANT STRUCTURE ...................................... GR 3, DEF 1 
ASSESSMENT COVERAGE........................GR 12, 13, CONDO 6–7 
ASSIGNMENT OF POLICY ...........................GR 15, MPPP 4, DEF 1 


B 


BASE FLOOD......................................................................DEF1 
BASE FLOOD DEPTH ............................................ RATE 18, DEF 1 
BASE FLOODELEVATION(BFE)......................GR14,RATE23–25, 
MAP1, 2,DEF1 
BASEMENT...........................APP 1, 3, RATE 25, CERT 3–5, DEF 1 
BINDER OR CERTIFICATE OF INSURANCE................. GR 15, DEF 1 
BLANKET INSURANCE.........................................................DEF 1 
BOATHOUSES......................................................................GR 4 
BREAKAWAY WALLS..............................GR 5, RATE 19–24, DEF 1 
BUILDING...............................................GR3–7, APP 3–4,DEF1 
Additions and Extensions .................................GR 5, RATE 15 
Building Coverage Limits .............................................. RATE 1 
Building in the Course of Construction ......................... GR 4-5, 
APP 5–6, CONDO 5–6, DEF 1 
Buildings in More Than One Flood Zone............GR 14, RATE 16 
Building on Fill..................................................................PR 2 
Building Over Water..................................................... GR 4, 7 
Building Partially Underground ......................................... GR 7 
Container-Type Building.................................................... GR 7 
Contents........................ GR 6, 7, 8, 13, APP 5, RATE 1, 26–28 
Elevated Building.............APP 1, 4, 5, 6, 8, RATE 19–20, DEF 3 
Floodproofed Building..................... RATE 30, CERT 3–4, DEF 4 
Manufactured (Mobile) Home/Travel Trailer ................. GR 3–4, 
APP 1,4,5,6,9,10, RATE15, 16,PR1,DEF 3, 5,9 
Section 1316........................................................GR 7, DEF 8 
Single Building ..................................................... GR 5, DEF 8 
Start ofConstruction.......................................RATE 15, DEF 9 
Substantial Improvement...................... APP 6, RATE 15, DEF 9 
Types of Buildings ..............................APP 1, 3–4, CONDO 7–8 
BUILDING DIAGRAMS 1–9.......................... LFG 5–8, CERT 23–25 
BUILDINGDRAWINGS.................................................LFG 10–84 
BUILDING OCCUPANCY .................................................... GR 5–6 
BUSINESS CONSULTANT, WYO............................................REF 2 


C 


CANCELLATION/NULLIFICATION .........................CONDO 7, PRP 6, 
MPPP 4, CN 1–10, DEF 2, 6 
Cancellation/Nullification Request Form .................... CN 9–10 
Form Completion............................................................. CN 7 
Processing Outcomes Table............................................. CN 8 
Valid Reason Codes for Cancellation/Nullification ........ CN 1–6 
Refunds...................................................................... CN 1–6 
CERTIFICATIONS.........................................................CERT 1–25 
CISTERNS ............................................................ GR 4, 6, DEF 2 
CLAIMS............................................................................CL 1–4 
Appealing a Claim ........................................................ CL 1–3 
Filing a Claim ...................................................................CL 1 
Increased CostofCompliance(ICC)Claims.......................CL4 
Insured’s Responsibilities............................................. CL 1–3 
Producer’s Responsibilities............................................CL 3,4 
Single Adjuster Program ....................................CL 3–4, DEF 8 
Training............................................................................CL 4 
CLAIMS COORDINATING OFFICE (CCO)....................CL 3–4, DEF 2 
CLOSED BASIN LAKE .................................................CN 6, DEF 2 
COASTAL BARRIER..............................................................DEF 2 
COASTAL BARRIER RESOURCES 
SYSTEM (CBRS)...........................................CBRS 1–10, DEF 2 
Coastal Barrier Improvement Act 
of 1990 (CBIA).............................................. CBRS 1, DEF 2 
Coastal Barrier Resources Act 
of 1982 (CBRA).................................... GR 1, CBRS 1, DEF 2 
List of CBRS Communities..................................... CBRS 3–10 
COASTAL HIGH HAZARD AREA.............................. RATE 29, DEF 2 
COINSURANCE ...................................................CONDO 6, DEF 2 
COMMERCIAL CONTENTS .................................... GR 6, CONDO 2 
COMMISSION, PRODUCER’S.....................GR 15, CONDO 8, CN 8 
COMMON INTERIOR WALLS ................................................. GR 5 
COMMUNITY (See also PROBATION 
andSUSPENSION)..................................GR 1,APP2–3, DEF2 
Community Eligibility ....................................................... GR 1 
Community Number............................................. APP 2, DEF 2 
Community Status..........................................................APP 2 
Non-Participating Community................................ GR 1, APP 3 
Participating Community....................................... GR 1, DEF 6 
Regular Program Community...........................................DEF 7 
COMMUNITY RATING SYSTEM (CRS)........ APP 7, CRS 1–30, DEF 2 
CONDOMINIUM ASSOCIATION.....................CONDO 1–2,5, DEF 2 
CONDOMINIUMS ..........................................CONDO 1–31, DEF 2 
CONSTRUCTION DATA.....................................................APP 5–6 
CONTACT INFORMATION, NFIP.........................................REF 3–5 
CONTENTS ......................... GR 6, 7, 8, 13, APP 5, RATE 1, 26–28 
CONTINUOUS LAKE FLOODING............................................. CN 6 
CONTRACT AGENT .................................................. GR 15, DEF 2 
COOPERATIVES ................................................................... GR 7 
COUNTYWIDE MAP ................................................. MAP 1, DEF 2 
COURSE OF CONSTRUCTION.....................................GR 5, APP 5, 
CONDO 5–6, DEF 1 
COVERAGE ......................GR 11–13, RATE 1–11, 14, CONDO 6–7, 
PRP 2, 4–6, MPPP 3, END 1 
Additional Coverage or Increase in Coverage .................. END 1 
Amount ofInsuranceAvailable......................................RATE1 
Building Coverage........................................... GR 6–7, RATE 1, 
CONDO 9, PRP 1, 2, 4–6 
ContentsCoverage....................GR 6,7, 8,13,APP 5,RATE1, 
CONDO 8, PRP 1, 2, 4–6 
Contents-Only Coverage ......................RATE 55, PRP 1, 2, 5–6 
Limits of Coverage ...........................................GR 11, RATE 1, 
CONDO 6–8, PRP 1, 4–5, MPPP 3 
Reduction or Reformation/Removal 
of Insurance ............................ GR 12, END 1, MPPP 4, PR 1 
Tenant’s Coverage ......................................................... GR 13 
CRAWLSPACE.........................................RATE 25, LFG 2, CERT 2, 
CONDO 10–18, DEF 2 
CREDIT CARD PAYMENT...........................APP 8, REN 2, 8, MAP 4 
CREDIT CARD PAYMENT FORM....................................... REN 2, 8 


D 


DATE OF CONSTRUCTION...................... APP 5–6, RATE 15, DEF 3 
DECLARATIONS PAGE ....................................... MPPP 3–4, DEF 3 
DEDUCTIBLE BUYBACK........................................RATE 12,DEF 3 
DEDUCTIBLE FACTORS..................................RATE 13, CONDO 22 


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DEDUCTIBLES ........................................GR 11, RATE 12, 13, 16, 
CONDO 7, 22, PRP 3, MPPP 4, END 3 
DEFINITIONS .................................................................. DEF 1–9 
DESCRIBED LOCATION........................................................DEF 3 
DIAGRAM NUMBER.............................................................DEF 3 
DIRECT PHYSICALLOSSBYOR FROMFLOOD......................DEF3 
DIRECT PROGRAM ......................REF 2, GR 15, APP 11, CONDO 7 
DISASTER ASSISTANCE ..............................GR 3, APP 1, PRP 1, 7 
DOUBLEWIDE MANUFACTURED (MOBILE) HOME..................DEF 3 
DUPLICATE POLICIES ....................................................... CN 2, 4 
DWELLING .........................................................................DEF 3 
DWELLING FORM (See also STANDARD 
FLOOD INSURANCE POLICY).........................GR 1–2, CONDO 7, 
POL 1, 3–24, DEF 3 

E 


EFFECTIVE DATE ................................................. GR 8–11, REN 2 
ELEVATED BUILDING (See also 
LOWEST FLOOR GUIDE)............ APP 5, 9–10, RATE 18–20, DEF 3 
ELEVATION CERTIFICATE ...... APP 6–7, LFG 3–8, CERT 1–4, 11–25 
ELEVATION DIFFERENCE ........................... APP 7, RATE 17–18, 30 
ELIGIBLE BUILDINGS.......................................GR 3–6, CONDO 5 
ELIGIBLE COMMUNITY (See PARTICIPATING COMMUNITY) 
ELIGIBLE CONTENTS............................................................ GR 6 
EMERGENCY PROGRAM................................GR 1, RATE 1, DEF 3 
ENCLOSURE/ENCLOSED AREA 
(See also LOWEST FLOOR GUIDE).......... APP 3–4, RATE 19–20, 
LFG 1–3, 4, 6, 8, DEF 3 
ENDORSEMENT...........................................GR 10–11, CONDO 7, 
PRP 3, MPPP 4, END 1–14, PR 1 
Endorsement Processing Prior to Policy Renewal........... END 3–4 
Endorsement Rules: Changing Deductibles .................... END 3 
Endorsement Rules: Conversion of Standard-Rated 
Policy to PRP Due to Misrating ............................... END 2–3 
Endorsement Rules: Property Address Corrections ......... END 3 
Endorsement Rules: Coverage Endorsements ................ END 1 
Endorsement Rules: Misrated Policy .............................. END 2 
Endorsement Rules: Rating Endorsements..................END 1–2 
Endorsements During Renewal Cycle ............................. REN 2 
General Change Endorsement Form....................... END 13–14 
Preparation of Form................................................. END 4–4A 
Rating Examples ..................................................... END 5–12 
Refund Processing .................................................. END 4–4A 
ENGINEERED OPENINGS (See PROPER OPENINGS) 
EQUIPMENT (See MACHINERY AND EQUIPMENT) 
EROSION............................................................................DEF 3 
ERRORS, RATING............................................................END 1–2 
EVIDENCE OF INSURANCE ................................................. GR 15 

F 


FEDERAL LAND.................................................................... GR 1 
FEDERAL POLICY FEE........................... RATE 12, 16, CONDO 7, 8, 
PRP 2, MPPP 4, DEF 3 
FEMA ........................................................REF 1, SRL 1–2, DEF 3 
FHBM (See FLOOD HAZARD BOUNDARY MAP) 
FICO (See FLOOD INSURANCE CLAIMS OFFICE) 
FINANCIAL ASSISTANCE/ 
SUBSIDY ARRANGEMENT.................................. MPPP 2, DEF 3 
FINISHED (HABITABLE) AREA...............................................DEF 3 
FINISHED BASEMENT .........................................................APP 3 
FIRM (See FLOOD INSURANCE RATE MAP) 
FIRM ZONES.................................................................. MAP 1–2 
FLOOD ...............................................................................DEF 3 
FLOOD DISASTER PROTECTION ACT OF 1973....................MPPP 1 
FLOOD HAZARD BOUNDARY 
MAP (FHBM) ......................................GR 1, MAP 1, 2, 8, DEF 3 
FLOOD INSURANCE CLAIMS OFFICE (FICO) ................. CL 3, DEF 3 
FLOOD INSURANCE RATE 
MAP (FIRM) ...................... GR 1, CERT 2, MAP 1, 2, 3, 7, DEF 3 
FLOOD MAPS........................................................GR 1, MAP 1–8 
Changing or Correcting a Flood Map........................... MAP 2–3 
Countywide Map ................................................ MAP 1, DEF 3 
FEMA Map Information eXchange...................................MAP 3 
FEMA Map Service Center .............................. REF 3, MAP 5–6 
“FIRMettes”..................................................................MAP 3 
General Rule of Rating................................................RATE 22 
Letter of Map Amendment (LOMA) .....CN 5–6, MAP 2–3, DEF 5 
Letter of Map Revision (LOMR) ..............CN 5–6, MAP 3, DEF 5 
Locating a Specific Property ..........................................MAP 2 
Map Grandfather Rules ...................RATE 21–23, PRP 1, DEF 4 
Map Panel Number .......................................................MAP 1 
Map Revisions ....PRP 1, 2, 3, END 2, CN 3, 5–7, MAP 4, DEF 5 
Map Zones (Flood Zones) ......................................... MAP 1–2 
OrderingInstructionsand Prices................................MAP3–6 
PhysicalMapRevision...................................................MAP 3 
FLOOD RESPONSE OFFICE (FRO).........................................DEF 4 
FLOOD VENTS (See PROPER OPENINGS) 
FLOODPLAIN ......................................................................DEF 4 
FLOODPLAIN MANAGEMENT................................................DEF 4 
FLOODPROOFING.................................................APP 7, RATE 30, 
CERT 3–10, DEF 4 
FLOODPROOFING CERTIFICATE FOR 
NON-RESIDENTIAL STRUCTURES.............................CERT 9–10 
FLOODPROOFING CERTIFICATE, 
RESIDENTIAL BASEMENT..........................................CERT 7–8 
FORCE-PLACEMENT (MANDATORY 
PURCHASE)............................GR 3,MPPP 1–2,CN4,5, DEF5 
FOUNDATION WALLS...........................................................DEF 4 
FREEBOARD.......................................................................DEF 4 


G 


GARAGES..................................................................GR 3, LFG 1 
GENERAL CHANGE ENDORSEMENT (See ENDORSEMENT) 
GENERAL PROPERTY FORM (See also STANDARD 
FLOOD INSURANCE POLICY)....... GR 1, 2, POL 1, 25–44, DEF 4 
GENERAL RULE OF RATING .............................................RATE 22 
GENERAL RULES ............................................................GR 1–15 
GRADE ELEVATION..............................................................DEF 4 
GRANDFATHERING ..............................RATE 21–23, PRP 1, DEF 4 
GROUP FLOOD INSURANCE ...................................... GR 3, DEF 4 


H 


HABITABLE AREA (See FINISHED AREA) 
HANGING FLOORS ............................................... RATE 21, LFG 3 
HISTORIC BUILDING............................................. RATE 15, DEF 4 
HIGH-RISE BUILDING ..........................................CONDO 5, DEF 4 
HOMELAND SECURITY, U.S. DEPARTMENT OF................... REF 1, DEF 3 


I 


ICC (See INCREASED COST OF COMPLIANCE) 
IMPROVEMENTS AND BETTERMENTS...................... GR 13, DEF 4 
INCIDENTAL OCCUPANCY.....................................................GR6 
INCREASED COST OF COMPLIANCE 
(ICC) COVERAGE ................................. GR 11–12, RATE 14, 16, 
CONDO 21, MPPP 1, CL 4, DEF 4 
INELIGIBLE COMMUNITY (See NON-PARTICIPATING COMMUNITY) 
INELIGIBLE PROPERTY......................................................GR 7–8 
INFLATIONFACTOR.................................................GR 11,REN1 
INSECT SCREENING (BELOW LOWEST 
ELEVATED FLOOR)........................... RATE 7, 19–20, CONDO 19 
INSURANCE PRODUCTS, NFIP .............................................. GR 3 


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L 


LAPSE IN COVERAGE ......................................................REN 1–2 
LATTICE (BELOW LOWEST ELEVATED FLOOR) .................... RATE 7, 
19–20, 46, CONDO 19 
LETTER OF DETERMINATION 
REVIEW (LODR)...........................................PRP 2, CN 4, DEF 5 
LETTER OF MAP AMENDMENT (LOMA)................ PRP 2, 3, END 2, 
CN 5–6, MAP 2–3, DEF 5 
LETTER OF MAP REVISION (LOMR) ..................... PRP 2, 3, END 2, 
CN 5–6, MAP 3, DEF 5 
LOSS ASSESSMENT COVERAGE............... GR 12–13, CONDO 6–7 
LOSS HISTORY ........................................................PRP 1, SRL 1 
LOSS IN PROGRESS ...........................................................DEF 5 
LOWESTADJACENTGRADE.................................................DEF 5 
LOWEST FLOOR .................. APP 6, RATE 17–23, LFG 1–84, DEF 5 
Building Diagrams 1–9 .......................... LFG 5–8, CERT 23–25 
Building Drawings ..................................................LFG 10–84 
Lowest Floor Determination ........................................ LFG 1–8 
Lowest Floor Elevation............... APP 6, RATE 15, 17–21, DEF 5 
Use of Elevation Certificate ............................................LFG 3 
LOWEST FLOOR GUIDE.................................................. LFG 1–84 
LOW-RISE BUILDING ................................CONDO 1, 5, 20, DEF 5 
LEASED FEDERAL PROPERTY........APP 7–8, GR 1, LFP 1–5, PRP 2 


M 


MACHINERYAND EQUIPMENT..............RATE 19,LFG1–2, CERT3 
MANDATORY PURCHASE 
(FORCE-PLACEMENT) ......... GR 3, MPPP 1, 2, CN 3, 4, 5, DEF 5 
MANUFACTURED (MOBILE) HOMES/ 
TRAVEL TRAILERS.................................... GR 3–4, APP 4–6, 9, 
PR1, DEF 3,5,9 
Date of Construction ....................................... APP 6, RATE 15 
Doublewide....................................................................DEF 3 
MANUFACTURED (MOBILE) HOME PARK 
OR SUBDIVISION ............................................................DEF 5 
MAPS (See FLOOD MAPS) 
MASONRY WALLS...............................................................DEF 5 
MEAN SEA LEVEL (See NATIONAL GEODETIC VERTICAL 
DATUM [NGVD]) 
MISCELLANEOUS RULES ............................................. GR 14–15 
Application Submission ................................................. GR 14 
Assignment of Policy ..................................................... GR 15 
Commission, Producer’s................................................GR 15 
Contract Agent Rule ...................................................... GR 15 
Delivery of Policy ........................................................... GR 14 
Policy Term ................................................................... GR 14 
MITIGATION, SEVERE REPETITIVE LOSS........................... SRL 1–2 
MODULAR BUILDING ..........................................................DEF 5 
MORTGAGE PORTFOLIO PROTECTION 
PROGRAM (MPPP)................................ GR 3, MPPP 1–5, DEF 5 
MORTGAGEE ............ APP 2, RATE 17, PRP 7, MPPP 1–4, REN 2, 3 
MUDFLOW......................................................................DEF 5–6 
MULTI-FAMILY RESIDENCE (See 2–4 FAMILY RESIDENCE, 
OTHER RESIDENTIAL, CONDOMINIUMS) 
MULTI-PROPERTY LETTER OF MAP AMENDMENT 
(LOMA) OR LETTER OF MAP REVISION (LOMR) .............. CN 5–6 

N 


NATIONAL FLOOD INSURANCE ACT OF 1968 (See ACT) 
NATIONAL FLOOD INSURANCE PROGRAM (NFIP) ....... REF 1, DEF 6 
NATIONAL GEODETIC VERTICAL 
DATUM (NGVD) ....................................... LFG 3, CERT 2, DEF 6 
NATURAL GRADE................................................................DEF 6 
NEW CONSTRUCTION .........................................................DEF 6 
NFIP BUREAU AND STATISTICAL AGENT ......... REF 1, SRL 1, DEF 6 
NFIP CONTACT INFORMATION..............................................REF 3 
NFIP SERVICING AGENT ................................ REF 2, SRL 1, DEF 6 
NFIP SPECIAL DIRECT FACILITY (SDF) .........REF 2, SRL 1–2, DEF 6 
NON-PARTICIPATING COMMUNITY ........................................ GR 1 
NON-PAYMENT .................................................................... CN 2 
NON-RESIDENTIAL........................GR 6, 8,CONDO1, 4,9,DEF 6 
NORTH AMERICAN VERTICAL 
DATUM (NAVD).....................................…LFG 3, CERT 2, DEF 6 
NOTICE OF LOSS ..................................................................CL 1 
NULLIFICATION (See CANCELLATION/NULLIFICATION) 


O 


OCCUPANCY CLASSIFICATION............................... GR 5–6, APP 3 
OTHER INSURANCE ................................................MPPP 4, CN 4 
OTHER RESIDENTIAL................................................. GR 6, DEF 6 
OTHERWISE PROTECTED AREAS.........................CBRS 1–2, DEF 6 
OUT-AS-SHOWN DETERMINATION...................CN 3, MAP 3, DEF 6 
OVER WATER ................................................................... GR 4, 7 


P 


PAPERWORK BURDEN DISCLOSURE NOTICE........................REF 6 
PARTICIPATING COMMUNITY..................................... GR 1, DEF 6 
PHOTOGRAPH REQUIREMENTS 
(FOR ELEVATION CERTIFICATE) .................................. CERT 1–2 
PHYSICAL MAP REVISION (PMR).........................................MAP 3 
POLICIES AVAILABLE.........................................................GR 1–3 
POLICY..............................................................DEF 6, POL 1–65 
POLICY RENEWALS.....................GR 11, PRP 2, MPPP 4, REN 1–8 
Credit Card Payment Form ......................................... REN 2, 8 
Endorsements During Renewal Cycle ............................. REN 2 
Expiration Notice to Mortgagee...................................... REN 2 
Final Notice........................................................REN 2, 3, 6–7 
Insufficient Renewal Information.................................... REN 2 
Renewal Effective Date Determination ........................... REN 2 
Renewal Notice ............................................. REN 1, 2, 3, 4–5 
Severe Repetitive Loss Policies .....................REN 2, SRL 1–13 
Waiting Period........................................................... REN 1, 2 
POLICY TERM ................................. GR 14, APP 1, PRP 7, MPPP 2 
POLLUTANTS......................................................................DEF 6 
PONDING HAZARD..............................................................DEF 7 
POST-FIRM BUILDING 
(CONSTRUCTION) .....................RATE 16, 18–20, 22–25, DEF 6 
PRE-FIRM BUILDING 
(CONSTRUCTION)................................. RATE 15, 18, 23, DEF 7 
PREFERRED RISK POLICY (PRP).................GR 3, PRP 1–14, DEF 7 
2-Year PRP Eligibility Extension........................................PRP 1 
Completing PRP Application Form ............................. PRP 7–11 
Condominium Rating Chart .............................................PRP 4 
Conversion of PRP to Standard-Rated Policy....................PRP 7 
Conversion of Standard-Rated Policy to PRP 
Due to Map Revision, LOMA, or LOMR .........................PRP 3 
Conversion of Standard Rated Policy to PRP 
Due to Misrating .........................................................PRP 3 
Coverage Limitations......................................................PRP 2 
Coverage/Premium Tables..........................................PRP 5–6 
Deductibles ...................................................................PRP 3 
Discounts/Fees/ICC Premium ........................................PRP 2 
Documentation ..............................................................PRP 2 
Eligibility Requirements ..............................................PRP 1, 2 
Endorsements................................................................PRP 3 
General Description........................................................PRP 1 
Ineligibility......................................................................PRP 2 
PRP Application Form .............................................PRP 13–14 
Renewal.........................................................................PRP 2 
Replacement Cost Coverage...........................................PRP 2 


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PREMIUM.......................................................................RATE 16 
Credit Card Payment........................................APP 8, REN 2, 8 
Credit Card Payment Form ......................................... REN 2, 8 
Premium Calculation................................................... RATE 16 
Premium Discounts.............................................APP 7,CRS1 
Premium Payment.....................................APP7,8,CONDO8, 
PRP 8, MPPP 3, REN 1–2 
Prepaid Amount (Total) ...................................................DEF 7 
Prepaid Premium (Total)..................................................DEF 7 
Presentment of Payment (Premium) ...................... GR 8, DEF 7 
Refunds.....................................................END 1–4A, CN 1–6 
PREPAID AMOUNT (TOTAL) .................................................DEF 7 
PREPAID PREMIUM (TOTAL) ................................................DEF 7 
PRESENTMENT OF PAYMENT (PREMIUM) .................. GR 8, DEF 7 
PRINCIPAL/PRIMARY RESIDENCE ............... APP 5, PRP 10, DEF 7 
PRINCIPALLYABOVEGROUND BUILDING.............................DEF7 
PROBATION .............................................................. GR 1, DEF 7 
PROBATIONSURCHARGE............................GR1, RATE12, DEF7 
PROOF OF LOSS...............................................................CL1, 2 
PROPER OPENINGS (FLOOD VENTS) ......... LFG 1–3, 4, 6, 8, DEF 7 
PROPERTY LOCATION................................... APP 2, PRP 8, END 4 
PROPERTY REMOVED TO SAFETY EXPENSE.........................DEF 7 
PROVISIONAL RATING ............................................ PR 1–5, DEF 7 
Completing the Provisional Rating Questionnaire: 
General Directions ........................................................PR 2 
Guidance for Determining Building Elevated on Fill .........PR 2 
Eligibility Requirements ....................................................PR 1 
General Description..........................................................PR 1 
Notification Requirements ................................................PR 2 
Provisional Rating Example...............................................PR 4 
Provisional Rating Questionnaire.......................................PR 3 
Reformation: Endorsement Procedure...............................PR 1 
Reformation: Limitations ..................................................PR 1 
Sample Notice to Accompany 
Provisionally Rated Policies ...........................................PR 5 


R 


RATE TABLES............................... RATE 1–14, 31, CONDO 10–22, 
PRP 5–6, MPPP 1, PR 3, CRS 2 
RATING ............................................... RATE 1–61, CONDO 1–31, 
CERT 3–4, END 1–2 
Alternative Rates......................................... RATE 21, END 1–2 
Amountof InsuranceAvailable......................................RATE 1 
AR, AR Dual Zones ..................................................... RATE 18 
Buildings in More Than One 
Flood Zone/BFE.....................................GR14, RATE 16–17 
Condominiums....................................................CONDO 1–31 
ContentsLocation................................................RATE 26–28 
Crawlspace................................................................RATE 25 
Deductibles .....................................RATE 12, 13, CONDO 5, 7 
Different Base Flood Elevations Reported ............ GR 14, RATE 17 
Effect of Map Revisions on Rates.......................... RATE 21–23 
Elevation Difference ..............................................RATE 17–18 
FIRMs with Wave Heights......................................RATE 29–30 
Flood Map Grandfathering ...............RATE 21–23, PRP 1, DEF 4 
Flood Zone Discrepancies................................GR 14, RATE 17 
Floodproofed Buildings...............................................RATE 30 
General Rule of Rating................................................RATE 22 
Key Points for Rating ............................................ RATE 16–17 
Multiple Elevation Certificates......................................CERT 1 
Optional Elevation Rating ................................ RATE 18, LFG 3 
Premium Calculation................................................... RATE 16 
Provisional Rates ...................................GR 14, PR 1–5, DEF 7 
Rate Reduction ............................................................. END 1 
Rate Tables............................. RATE 1–14, 31, CONDO 10–22, 
PRP 5–6, MPPP 1, PR 3, CRS 2 
Rate Type................................................................... APP 7–8 
Rating Error................................................................END 1–2 
Rating Examples .................... RATE 17–18, 22–24, 29, 47–61, 
CONDO 23–31, END 5–12, PR 4 
Rating Steps ........................................................ RATE 15–16 
Re-Rating.............................................................RATE 23–24 
Special Rating Situations......................................... GR 13–14 
Submit-for-Rate............................... GR 14, RATE 24–25, DEF 9 
TentativeRates....................GR 13, RATE11,CONDO7,DEF9 
V-Zone Optional Rating...............................................RATE 23 
V-Zone Risk Factor Rating Form.............................RATE 33–46 
RCBAP (See RESIDENTIAL CONDOMINIUM BUILDING 
ASSOCIATION POLICY) 
RECREATIONAL VEHICLE.....................................................DEF 1 
REFORMATION.............................................GR 12, MPPP 4, PR 1 
REFUNDS................................................. END 1–2, 3–4, CN 1–6 
REGIONAL OFFICES, NFIP................................................REF 4–5 
REGULAR PROGRAM.....................................GR 1, RATE 1, DEF 7 
RENEWALS (See POLICY RENEWALS) 
REPETITIVE LOSS...............GR 5, 11, REN 2, CN 7, SRL 1–13, DEF 7 
REPLACEMENT COST....................................APP5,RATE 20, 30, 
CONDO 6, 8, PRP 2, DEF 7 
RESIDENTIAL............................................... GR 5–6, CONDO 1–5 
RESIDENTIAL BASEMENT FLOODPROOFING 
CERTIFICATE............................................................. CERT 7–8 
RESIDENTIAL CONDOMINIUM BUILDING..........CONDO 1–5, DEF 8 
RESIDENTIAL CONDOMINIUM BUILDING ASSOCIATION 
POLICY (RCBAP) (See also STANDARD FLOOD 
INSURANCE POLICY) ..................GR 1, 2, APP 4, CONDO 1–31, 
POL 1, 45–65 
Application Form ...................................................CONDO 7–8 
Assessment Coverage...........................................CONDO 6–7 
Building Type.........................................................CONDO 7–8 
Cancellation or Endorsement of Existing 
Unit Owners’ Dwelling Policies............................... CONDO 7 
Coinsurance............................................................. CONDO 6 
Commission, Producer’s........................................... CONDO 7 
Condominium Building in the Course 
of Construction................................................. CONDO 5–6 
Coverage, Building.................................................CONDO 1–9 
Coverage, Contents...............................................CONDO 1–8 
Coverage Limits ................................................... CONDO 6, 8 
Deductibles ................................................CONDO 5, 7, 8, 22 
Determining Rates and Fees..................................... CONDO 8 
Eligibility Requirements ............................................ CONDO 5 
Federal Policy Fee .................................................CONDO 7–8 
Property Covered...................................................CONDO 6–7 
Rate Tables.......................................................CONDO 10–22 
Rating Examples .............................................. CONDO 23–31 
Replacement Cost........................................ CONDO 1, 6, 8, 9 
Tentative Rates and Scheduled 
Buildings ........................................ GR 3, APP 10, CONDO 7 
RE-UNDERWRITING REQUIREMENTS....................................SRL 1 
ROWHOUSES/TOWNHOUSES.................................... CONDO 1, 8 


S 


SCHEDULED BUILDING POLICY ...........................GR 3, APP 1, 10, 
CONDO 7, DEF 7 
SCREENING, INSECT (BELOW LOWEST 
ELEVATED FLOOR)........................... RATE 7, 19–20, CONDO 19 
SECTION 1316 ..........................................................GR 7, DEF 7 
SEPARATE BUILDING (See SINGLE BUILDING) 
SEVERE REPETITIVE LOSS PROPERTIES ................... GR 5, REN 2, 
CN 6, SRL 1–13, DEF 8 
SFIP (See STANDARD FLOOD INSURANCE POLICY) 
SHEAR WALLS.......................................................... GR 5, DEF 8 
SHEET FLOW HAZARD.........................................................DEF 8 
SILOS.............................................................................. GR 4, 6 

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SINGLEADJUSTERPROGRAM................................CL 3–4,DEF8 
SINGLE BUILDING..................................................... GR 5, DEF 8 
SINGLE-FAMILY RESIDENCE (DWELLING) ................... GR 5, DEF 8 
SLATS OR SHUTTERS (BELOW LOWEST 
ELEVATED FLOOR)........................... RATE 7, 19–20, CONDO 19 
SOLID PERIMETER FOUNDATION WALLS .............................. GR 5, 
RATE 8, DEF 8 
SPECIAL CERTIFICATIONS ........................................... CERT 1–25 
SPECIAL DIRECT FACILITY (See NFIP SPECIAL DIRECT FACILITY) 
SPECIAL FLOOD HAZARD AREA (SFHA) .................MAP 1–2, DEF 8 
SPECIAL RATING SITUATIONS...................GR 13–14, RATE 20–25 
Alternative Rates.................................................. RATE 20–21 
Buildings in More Than One 
Flood Zone ............................................ GR 14, RATE 16–17 
Crawlspace ................................................................ RATE 25 
Different Base Flood Elevations Reported ............ GR 14, RATE 17 
Flood Zone Discrepancies .................................... GR 14, RATE 17 
NFIP Grandfather Rules: Effect of Map 
Revisions on Rates ........................................... RATE 21–23 
Policies Requiring Re-Rating ................................. RATE 23–24 
Post-’81 V Zone Optional Rating..................................RATE 23 
Provisional Rates ................................................GR 14, DEF 7 
Special Rates............................................................. RATE 21 
Submit-for-Rate .............................. GR 14, RATE 24–25, DEF 9 
Tentative Rates....................GR 13,RATE 11,CONDO7, DEF9 
SPLIT LEVEL.......................................................................DEF 8 
STANDARD FLOOD INSURANCE POLICY (SFIP)....................... GR 1 
POL 1–65, DEF 8 
Agreement.........................................................POL 3, 23, 43 
Claim Guidelines in Case of a Flood ..................POL 21, 40, 61 
Coinsurance.................................................................POL 56 
Deductibles ...............................................POL 14, 36, 55–56 
Definitions .......................................... POL 5–7, 27–29, 47–49 
Dwelling Form ...............................................POL 3–23, DEF 8 
Exclusions .....................................POL 13–14, 35–36, 54–55 
General Conditions.........................POL 14–22, 36–42, 57–63 
General Property Form.................................POL 25–44, DEF 8 
Liberalization Clause ....................................... POL 22, 43, 64 
Property Covered..............................POL 7–12, 29–34, 49–54 
Property Not Covered ...........................POL 12–13, 34–35, 54 
Residential Condominium Building 
AssociationPolicy................................POL45–65,DEF 7,8 
Summary of Significant Changes, 
December 2000 .............................................POL 4, 26, 46 
What Law Governs........................................... POL 22, 43, 64 
START OF CONSTRUCTION..................................................DEF 8 
STOCK...............................................................................DEF 8 
SUBGRADE CRAWLSPACE.....................................CONDO 11–18, 
RATE 25, DEF 9 
SUBMIT-FOR-RATE .............................. GR 14, RATE 24–25, DEF 9 
SUBSTANTIAL DAMAGE.......................GR11–12,RATE 24,DEF 9 
SUBSTANTIAL IMPROVEMENT ............................................APP 6, 
RATE 15–16, 23–25, DEF 9 
SUSPENSION ........................................................... GR 1, DEF 9 


T 


2–4 FAMILY RESIDENCE (DWELLING)......................... GR 6, DEF 9 
TECHNICAL ASSISTANCE.....................................................REF 1 
TELEPHONE NUMBERS ................................................... REF 2–5 
TENANT’S COVERAGE ........................................................ GR 13 
TENTATIVE RATES ...............................GR 13, RATE 20, CONDO 7, 
LFP 1,2,DEF 9 
TIMESHARES....................................................................... GR 7 
TOWNHOUSES/ROWHOUSES .................................... CONDO 1, 8 
TRANSFER OF BUSINESS........................................GR 15, REN 2 
TRANSFER OF TITLE........................................................... GR 15 
TRAVEL TRAILERS (See MANUFACTURED [MOBILE] 
HOMES/TRAVEL TRAILERS) 

U 


UNDERGROUND BUILDING..................................................DEF 9 
UNFINISHED AREA..............................................................DEF 9 
UNFINISHED BASEMENT.....................................................APP 3 
UNIT ..................................................................................DEF 9 


V 


VALUED POLICY..................................................................DEF 9 
VARIANCE ..........................................................................DEF 9 
VEHICLES AND EQUIPMENT ................................................. GR 6 
V-ZONE OPTIONAL RATING .............................................. RATE 23 
V-ZONE RISK FACTOR RATING FORM..........................RATE 33–46 


W 


WAITING PERIOD ....................GR 8–11, MPPP 3, REN 1, 2, DEF 9 
WALLED AND ROOFED .............................................. GR 5, DEF 9 
WALLS ...................................GR 5, RATE 19–20, LFG 1–3, DEF 8 
Breakaway Walls................ GR 5, RATE 19–20, LFG 2–3, DEF 1 
CommonInteriorWalls.....................................................GR 5 
FoundationWalls............................................................DEF 4 
Masonry Walls................................................................DEF 5 
Openings in Foundation Walls...................................... LFG 1–2 
Shear Walls.......................................................... GR 5, DEF 8 
Solid Perimeter FoundationWalls..............GR5, RATE8, DEF8 
WAVE HEIGHT......................................APP 7, RATE 29–30, DEF 9 
Calculating Wave Height Adjustment ........................... RATE 29 
WHOLE DOLLAR PREMIUM.............................................. RATE 16 
WINDLOSSES..................................................................CL 3, 4 
WRITEYOUROWN(WYO) PROGRAM.........................REF1,DEF 9 


Z 


ZONE (See also Map Zones 
under FLOOD MAPS) ........................................MAP 1–2, DEF 9 


Discrepancies.................................................GR14, RATE17 


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