National Flood Insurance Program Specific Rating Guidelines

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This Specific Rating Guidelines manual provides the rules and rates for Submit-for-Rate risks. These are properties at high flood risk that, because of peculiarities in their exposure to flooding, do not lend themselves to pre-programmed rates noted in the NFIP Flood Insurance Manual. These risks require an in-depth underwriting analysis before a risk premium rate can be applied.
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Icon for file of type application/pdfSpecific Rating Guidelines - Effective October 2014

This Specific Rating Guidelines manual provides the rules and rates for Submit-for-Rate risks. These are properties at high flood risk that, because of peculiarities in their exposure to flooding, do not lend themselves to pre-programmed rates noted in the NFIP Flood Insurance Manual. These risks require an in-depth underwriting analysis before a risk premium rate can be applied.

544.69KOctober 1, 2014
Icon for file of type application/pdfSpecific Rating Guidelines - Effective June 2014
This Specific Rating Guidelines manual provides the rules and rates for Submit-for-Rate risks. These are properties at high flood risk that, because of peculiarities in their exposure to flooding, do not lend themselves to pre-programmed rates noted in the NFIP Flood Insurance Manual. These risks require an in-depth underwriting analysis before a risk premium rate can be applied.
509.05KMarch 13, 2014
Icon for file of type application/pdfSpecific Rating Guidelines – Effective October 2013

This Specific Rating Guidelines manual provides the rules and rates for Submit-for-Rate risks. These are properties at high flood risk that, because of peculiarities in their exposure to flooding, do not lend themselves to pre-programmed rates noted in the NFIP Flood Insurance Manual. These risks require an in-depth underwriting analysis before a risk premium rate can be applied.

475.15KSeptember 4, 2013
Icon for file of type application/pdfActuarial Assumptions and Methods - Technical Documentation
This document outlines the actuarial assumptions and methods used to develop rates for the National Flood Insurance Program (NFIP) rates that are effective October 1, 2013. NFIP insurance rates are published in two documents, The October 1, 2013 Flood Insurance Manual (FIM) and the October 2013 Specific Rate Guidelines (SRG). The FIM is used to set rates for most of the NFIP’s policyholders. The SRG historically has been used by insurers to calculate premiums for a variety of special cases that have a much higher risk of flood damage than typical -- even within the Special Flood Hazard Area. Included in the SRG are the rates for buildings that are not using pre-FIRM subsidized rates and are not using grandfathered zone and elevation based rates but are instead rated based on a lowest floor elevation that is below the Base Flood Elevation (BFE).
234.83KSeptember 4, 2013
Icon for file of type application/pdfSpecific Rating Guidelines - Guidance & Examples
As the Federal Emergency Management Agency’s (FEMA) National Flood Insurance Program (NFIP) implements the provisions of the Biggert-Waters Flood Insurance Reform Act of 2012 (BW-12), there has been increased attention on the effect that elevation levels can have on flood insurance rates. As a result, FEMA is taking the added step to provide the public with the Specific Rating Guidelines, previously issued to participating Write Your Own (WYO) insurance companies and other insurance partners. This document is issued annually to our insurance partners, but due to increased public interest resulting from the reforms passed in BW-12, we are publicly releasing these Guidelines for the first time.
161.56KSeptember 4, 2013
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