U.S. Department of Homeland Security 500 C Street SW Washington, DC 20472 April 2006 MEMORANDUM FOR: Flood Insurance Manual Subscribers FROM: David I. Maurstad Acting Director Mitigation Division SUBJECT: May 1, 2006, Flood Insurance Manual Revisions The National Flood Insurance Program (NFIP) is pleased to provide you with the latest updates to the NFIP Flood Insurance Manual. Your new revision pages contain all of the changes that will go into effect May 1, 2006. Changes are identified by a vertical bar in the margin of the amended pages, and related footers have been modified to reflect the May 1, 2006, effective date. Following are highlights of the May revisions: • Provides new flood insurance rates and updates the Precalculated Pre-FIRM Premium Table and the rating examples. (RATE, CONDO, MPPP, END sections) • Updates the list of NFIP Bureau and Statistical Agent Regional Offices. (REF section) • Adds a table matching SFIP policy forms with specific residential and non-residential building and contents risks. (GR section) • Describes criteria for coverage eligibility of condominium buildings in the course of construction. (CONDO section) • Shows the NFIP’s newly revised Elevation Certificate (EC) and instructions. The new EC will be transitioned in through 2006. Its use will become mandatory on January 1, 2007. (CERT section) • Adds NFIP community numbers to the list of Approved Communities for Residential Basement Floodproofing Rating Credit. (CERT section) • Replaces the old Floodproofing Certificate for Non-Residential Structures, which expired December 31, 2005, with the new edition. (CERT section) • Adds guidelines for converting a Preferred Risk Policy (PRP) that no longer meets PRP eligibility criteria to a standard-rated policy. (PRP section) • Updates and expands the list of FEMA Map Service Center Products, Services, and Fees. (MAP section) • Updates the Community Rating System Eligible Communities list. (CRS section) The NFIP is committed to providing up-to-date information so that you can assist your customers in securing the best flood insurance protection available for their individual needs. Attachment www.fema.gov Change Record Page Effective Date: May 1, 2006 Updates and corrections to the NFIP Flood Insurance Manual are distributed semiannually. Each change is highlighted by a vertical bar in the margin of the page. The effective date of each page is shown in the bottom right corner. Pages bearing the new effective date but no change bar simply indicate that text has shifted from one page to another. Please keep this Change Record Page in your manual for reference. Remove Insert i-vi, xi-xv REF 1-6 GR 1-12 RATE 1-12, 49-54 CONDO 5-31 LFG 1-2 CERT 1-19 PRP 1-4 MPPP 1-2 END 1-2, 7-10 REN 1-2 CL 1-2 MAP 1-7 CRS 1-28 IND 1-5 i-vi, xi-xv REF 1-6 GR 1-12 RATE 1-12, 49-54 CONDO 5-31 LFG 1-2 CERT 1-35 PRP 1-4 MPPP 1-2 END 1-2, 7-10 REN 1-2 CL 1-2 MAP 1-8 CRS 1-29 IND 1-5 TABLE OF CONTENTS SECTION PAGE REFERENCE .............................................................................................................................. REF 1 I. INTRODUCTION TO THE NATIONAL FLOOD INSURANCE PROGRAM ................. REF 1 II. THE WRITE YOUR OWN PROGRAM......................................................................... REF 1 III. TECHNICAL ASSISTANCE ......................................................................................... REF 2 A. WYO Companies.......................................................................................................... REF 2 B. NFIP Servicing Agent (NFIP Direct) ............................................................................. REF 2 C. Special Direct Facility ................................................................................................... REF 2 PAPERWORK BURDEN DISCLOSURE NOTICE................................................................ REF 7 GENERAL RULES ..................................................................................................................... GR 1 I. COMMUNITY ELIGIBILITY .......................................................................................... GR 1 A. Participating (Eligible) Communities............................................................................. GR 1 B. Emergency Program..................................................................................................... GR 1 C. Regular Program .......................................................................................................... GR 1 D. Maps ..................................................................................................................... GR 1 E. Probation ..................................................................................................................... GR 1 F. Suspension...................................................................................................................GR 1 G. Non-Participating (Ineligible) Communities .................................................................. GR 1 H. Coastal Barrier Resources Act ..................................................................................... GR 1 I. Federal Land ................................................................................................................ GR 1 II. POLICIES AND PRODUCTS AVAILABLE................................................................... GR 1 A. Standard Flood Insurance Policy ................................................................................. GR 1 B. Insurance Products....................................................................................................... GR 2 III. BUILDING PROPERTY ELIGIBILITY .......................................................................... GR 3 A. Eligible Buildings .......................................................................................................... GR 3 B. Single Building..............................................................................................................GR 4 C. Walls ..................................................................................................................... GR 5 D. Determination of Building Occupancy .......................................................................... GR 5 IV. CONTENTS ELIGIBILITY............................................................................................. GR 6 A. Eligible Contents........................................................................................................... GR 6 B. Vehicles and Equipment............................................................................................... GR 6 C. Silos, Grain Storage Buildings, and Cisterns ............................................................... GR 6 D. Commercial Contents Coverage .................................................................................. GR 6 V. EXAMPLES OF ELIGIBLE RISKS ............................................................................... GR 6 A. Building Coverage ........................................................................................................ GR 6 B. Contents Coverage....................................................................................................... GR 6 C. Condominiums.............................................................................................................. GR 6 VI. INELIGIBLE PROPERTY ............................................................................................. GR 6 A. Buildings ..................................................................................................................... GR 6 B. Container-Type Buildings ............................................................................................. GR 7 C. Buildings Entirely Over Water ...................................................................................... GR 7 D. Buildings Partially Underground ................................................................................... GR 7 E. Basement/Elevated Building Enclosures...................................................................... GR 7 i May 1, 2006 TABLE OF CONTENTS (Continued) SECTION PAGE VII. EXAMPLES OF INELIGIBLE RISKS............................................................................ GR 7 A. Building Coverage ........................................................................................................ GR 7 B. Contents Coverage....................................................................................................... GR 7 C. Non-Residential Condominium Unit ............................................................................. GR 7 VIII. POLICY EFFECTIVE DATE......................................................................................... GR 8 A. Evidence of Insurance.................................................................................................. GR 8 B. Start of Waiting Period.................................................................................................. GR 8 C. Effective Date ...............................................................................................................GR 8 IX. COVERAGE ................................................................................................................. GR 10 A. Limits of Coverage........................................................................................................ GR 10 B. Deductibles................................................................................................................... GR 10 C. Coverage D - Increased Cost of Compliance (ICC) Coverage .................................... GR 10 D. Reduction of Coverage Limits or Reformation ............................................................. GR 11 X. SPECIAL RATING SITUATIONS ................................................................................. GR 11 A. Tentative Rates ............................................................................................................ GR 11 B. Submit-For-Rate ........................................................................................................... GR 11 C. Provisional Rates.......................................................................................................... GR 11 D. Buildings in More Than One Flood Zone...................................................................... GR 11 XI. MISCELLANEOUS RULES.......................................................................................... GR 11 A. Policy Term .......................................................................................................... GR 11 B. Application Submission........................................................................................ GR 12 C. Delivery of the Policy............................................................................................ GR 12 D. Assignment........................................................................................................... GR 12 E. Producers’ Commissions (Direct Business Only) ................................................ GR 12 APPLICATION........................................................................................................................... APP1 I. USE OF THE FORM .................................................................................................... APP 1 II. TYPES OF BUILDINGS ............................................................................................... APP 1 III. SCHEDULED BUILDING POLICY ............................................................................... APP 1 IV. COMPLETING PART 1 OF THE FLOOD INSURANCE APPLICATION FORM ......... APP 1 A. Policy Status................................................................................................................. APP 1 B. Policy Term (Billing/Policy Period) ............................................................................... APP 1 C. Agent Information ......................................................................................................... APP 2 D. Insured Mail Address.................................................................................................... APP 2 E. Disaster Assistance...................................................................................................... APP 2 F. First Mortgagee ............................................................................................................ APP 2 G. Second Mortgagee or Other......................................................................................... APP 2 H. Property Location ........................................................................................................ APP 2 I. Community ................................................................................................................... APP 2 J. Building ..................................................................................................................... APP 3 K. Contents ..................................................................................................................... APP 4 L. Construction Data......................................................................................................... APP 4 M. Coverage and Rating.................................................................................................... APP 6 N. Signature ..................................................................................................................... APP 6 ii May 1, 2006 TABLE OF CONTENTS (Continued) SECTION PAGE V. COMPLETING PART 2 OF THE FLOOD INSURANCE APPLICATION FORM ......... APP 6 Section I - All Building Types................................................................................................. APP 7 Section II - Elevated Buildings............................................................................................... APP 7 Section III - Manufactured (Mobile) Homes/Travel Trailers .................................................. APP 7 VI. MAILING INSTRUCTIONS........................................................................................... APP 8 VII. HANDLING OF INCOMPLETE OR INCORRECT APPLICATIONS ............................ APP 8 RATING ..................................................................................................................................... RATE 1 I. AMOUNT OF INSURANCE AVAILABLE ..................................................................... RATE 1 II. RATE TABLES ............................................................................................................. RATE 1 III. DEDUCTIBLES ............................................................................................................ RATE 12 A. Buy-Back Deductibles .................................................................................................. RATE 12 B. Changes in Deductible Amount.................................................................................... RATE 12 IV. INCREASED COST OF COMPLIANCE (ICC) COVERAGE ....................................... RATE 14 V. RATING STEPS ........................................................................................................... RATE 15 VI. PREMIUM CALCULATION .......................................................................................... RATE 16 A. Emergency Program..................................................................................................... RATE 16 B. Regular Program .......................................................................................................... RATE 16 VII. KEY POINTS FOR RATING......................................................................................... RATE 17 A. Basic Limits and Additional Limits ................................................................................ RATE 17 B. Whole Dollars ............................................................................................................... RATE 17 C. Increased Cost of Compliance (ICC) Premium ............................................................ RATE 17 D. Federal Policy Fee........................................................................................................ RATE 17 E. Buildings in More Than One Flood Zone...................................................................... RATE 17 F. Mortgagee on Policy--Higher Deductible Requested ................................................... RATE 17 VIII. REGULAR PROGRAM, POST-FIRM ELEVATION-RATED RISKS............................ RATE 17 A. Elevation Difference............................................................................................. RATE 17 B. Examples.............................................................................................................. RATE 18 C. Optional Elevation Rating..................................................................................... RATE 19 IX. PRE-FIRM ELEVATED BUILDING RATED AT PRE-FIRM RATES............................ RATE 19 X. AR ZONE AND AR DUAL ZONE RATING................................................................... RATE 19 XI. POST-FIRM AO ZONE RATING.................................................................................. RATE 19 XII. POST-FIRM RATING OF ELEVATED BUILDINGS IN ZONES B, C, X, A99, AND D......................................................................................................................... RATE 19 XIII. REGULAR PROGRAM V ZONE POST-FIRM CONSTRUCTION............................... RATE 19 A. Rating All V Zone Buildings.................................................................................. RATE 19 B. Zones VE and V1-V30--Enclosure Containing Machinery or Equipment Below BFE ...................................................................................... RATE 19 iii May 1, 2006 TABLE OF CONTENTS (Continued) SECTION PAGE C. 1975-81 Post-FIRM V Zone Construction .................................................................... RATE 20 D. 1981 Post-FIRM V Zone Construction ......................................................................... RATE 20 E. Elevated Buildings--1981 Post-FIRM V Zone Construction................................. RATE 20 XIV. SPECIAL RATING SITUATIONS ................................................................................. RATE 21 A. Tentative Rates .................................................................................................... RATE 21 B. Alternative Rates.................................................................................................. RATE 21 C. Map "Grandfather" Rules--Effect of Map Revisions on Flood Insurance Rates .. RATE 21 D. Post-’81 V Zone Optional Rating.......................................................................... RATE 23 E. Policies Requiring Re-Rating ............................................................................... RATE 23 F. Submit-for-Rate ............................................................................................................ RATE 23 G. Crawl Space ................................................................................................................. RATE 24 XV. CONTENTS LOCATION .............................................................................................. RATE 25 A. Single Family Dwellings................................................................................................ RATE 25 B. Multi-Family and Non-Residential Buildings................................................................. RATE 25 XVI. FIRMS WITH WAVE HEIGHTS ................................................................................... RATE 29 A. Procedure for Calculating Wave Height Adjustment .................................................... RATE 29 B. Wave Heights in Numbered Zones V1-V30 and VE 1981 Post-FIRM Construction ....................................................................................................... RATE 29 C. Unnumbered V Zones 1981 Post-FIRM Construction.................................................. RATE 30 D. Rate Selection Procedure .................................................................................... RATE 30 XVII. FLOODPROOFED BUILDINGS................................................................................... RATE 30 A. Elevation Difference............................................................................................. RATE 30 B. Rating................................................................................................................... RATE 30 XVIII.THE V-ZONE RISK FACTOR RATING FORM ............................................................ RATE 31 A. Use ..................................................................................................................... RATE 31 B. Submission........................................................................................................... RATE 31 XIX. RATING EXAMPLES.................................................................................................... RATE 47 CONDOMINIUMS ..................................................................................................................... CONDO 1 I. METHODS OF INSURING CONDOMINIUMS............................................................. CONDO 1 A. Residential Condominium: Association Coverage on Building and Contents............. CONDO 1 B. Residential Condominium: Unit Owner's Coverage on Building and Contents........... CONDO 1 C. Other Residential Condominium: Condominium Association Policy, Association Coverage on Building and Contents ....................................................... CONDO 1 D. Nonresidential (Commercial) Condominium: Building and Contents .......................... CONDO 2 E. Nonresidential (Commercial) Condominium: Unit Owner's Coverage (Contents)........................................................................................................... CONDO 2 II. POLICY FORM............................................................................................................. CONDO 6 III. ELIGIBILITY REQUIREMENTS ................................................................................... CONDO 6 A. General Building Eligibility............................................................................................ CONDO 6 B. Condominium Building in the Course of Construction.................................................. CONDO 6 IV. COVERAGE ................................................................................................................. CONDO 6 A. Property Covered ......................................................................................................... CONDO 6 B. Coverage Limits............................................................................................................ CONDO 7 C. Replacement Cost and Coinsurance............................................................................ CONDO 7 D. Assessment Coverage ................................................................................................. CONDO 7 iv May 1, 2006 TABLE OF CONTENTS (Continued) SECTION PAGE V. DEDUCTIBLES AND FEES ......................................................................................... CONDO 7 A. Deductibles................................................................................................................... CONDO 7 B. Federal Policy Fee........................................................................................................ CONDO 8 VI. TENTATIVE RATES AND SCHEDULED BUILDINGS ................................................ CONDO 8 VII. COMMISSIONS (DIRECT BUSINESS ONLY)............................................................. CONDO 8 VIII. CANCELLATION OR ENDORSEMENT OF EXISTING UNIT OWNERS' DWELLING POLICIES ...................................................................................... CONDO 8 IX. APPLICATION FORM .................................................................................................. CONDO 8 A. Type of Building............................................................................................................ CONDO 8 B. Replacement Cost Value .................................................................................... CONDO 8 C. Coverage ..................................................................................................................... CONDO 9 D. Rates and Fees ............................................................................................................ CONDO 9 X. CONDOMINIUM RATING EXAMPLES........................................................................ CONDO 23 LOWEST FLOOR GUIDE........................................................................................................... LFG 1 I. LOWEST FLOOR DETERMINATION.......................................................................... LFG 1 A. Non-Elevated Buildings........................................................................................ LFG 1 B. Elevated Buildings in A Zones ............................................................................. LFG 1 C. Elevated Buildings in V Zones ............................................................................. LFG 2 II. USE OF ELEVATION CERTIFICATE .......................................................................... LFG 2 A. Mandatory Use of Elevation Certificate................................................................ LFG 2 B. Optional Rating Using the Elevation Certificate................................................... LFG 2 III. SPECIFIC BUILDING DRAWINGS .............................................................................. LFG 8 SPECIAL CERTIFICATIONS ..................................................................................................... CERT 1 I. NFIP ELEVATION CERTIFICATE ............................................................................... CERT 1 II. USING THE ELEVATION CERTIFICATE: SPECIAL CONSIDERATIONS ................ CERT 1 Section A - Property [Owner] Information ............................................................................. CERT 1 Section B - Flood Insurance Rate Map (FIRM) Information.................................................. CERT 2 Section C - Building Elevation Information (Survey Required) ............................................. CERT 2 Section D - Surveyor, Engineer, or Architect Certification .................................................... CERT 2 Section E - Building Elevation Information (Survey Not Required) for Zone AO and Zone A (Without BFE) ................................................................................................ CERT 2 Section F - Property Owner (or Owner's Representative) Certification ................................ CERT 3 Section G - Community Information (Optional) ..................................................................... CERT 3 III. FLOODPROOFING CERTIFICATE ............................................................................. CERT 3 A. Purpose and Eligibility .................................................................................................. CERT 3 B. Specifications ...............................................................................................................CERT 3 C. Rating ..................................................................................................................... CERT 3 D. Certification.................................................................................................................. CERT 3 v May 1, 2006 TABLE OF CONTENTS (Continued) SECTION PAGE PREFERRED RISK POLICY...................................................................................................... PRP 1 I. GENERAL DESCRIPTION........................................................................................... PRP 1 II. ELIGIBILITY REQUIREMENTS ................................................................................... PRP 1 A. Flood Zone ..................................................................................................................PRP 1 B. Occupancy...................................................................................................................PRP 1 C. Loss History................................................................................................................. PRP 1 D. Exclusions ................................................................................................................... PRP 1 III. DOCUMENTATION......................................................................................................PRP 2 IV. RENEWAL....................................................................................................................PRP 2 V. COVERAGE LIMITS..................................................................................................... PRP 2 VI. REPLACEMENT COST COVERAGE .......................................................................... PRP 2 VII. DISCOUNTS/FEES/ICC PREMIUM............................................................................. PRP 2 VIII. DEDUCTIBLES ............................................................................................................ PRP 2 IX. ENDORSEMENTS ....................................................................................................... PRP 2 X. CONVERSION OF STANDARD RATED POLICY TO PRP DUE TO MISRATING ..................................................................................................................... PRP 2 XI. CONVERSION OF STANDARD RATED POLICY TO PRP DUE TO MAP REVISION, LOMA, OR LOMR ..................................................................................... PRP 4 XII. CONVERSION OF PRP TO STANDARD RATED POLICY ........................................ PRP 4 XIII. COMPLETING THE FLOOD INSURANCE PREFERRED RISK POLICY APPLICATION........................................................................ PRP 4 A. Policy Status......................................................................................................... PRP 4 B. Policy Term .......................................................................................................... PRP 4 C. Agent Information................................................................................................. PRP 4 D. Insured’s Mailing Address.................................................................................... PRP 4 E. Disaster Assistance.............................................................................................. PRP 4 F. First Mortgagee ............................................................................................................ PRP 4 G. Second Mortgagee or Other................................................................................. PRP 4 H. Property Location ................................................................................................. PRP 5 I. Community ................................................................................................................... PRP 5 J.Building and Contents .................................................................................................. PRP 5 K. Notice ................................................................................................................... PRP 5 L. Premium ..................................................................................................................... PRP 5 M. Signature.............................................................................................................. PRP 5 MORTGAGE PORTFOLIO PROTECTION PROGRAM ............................................................ MPPP 1 I. BACKGROUND............................................................................................................ MPPP 1 II. REQUIREMENTS FOR PARTICIPATING IN THE MPPP ........................................... MPPP 2 A. General................................................................................................................. MPPP 2 B. WYO Arrangement Article III--Fees ..................................................................... MPPP 2 C. Use of WYO Company Fees for Lenders/Servicers or Others ............................ MPPP 2 D. Notification............................................................................................................ MPPP 2 E. Eligibility ............................................................................................................... MPPP 3 F. Source of Offering ................................................................................................ MPPP 3 G. Dual Interest......................................................................................................... MPPP 3 H. Term of Policy ...................................................................................................... MPPP 3 vi May 1, 2006 TABLE OF CONTENTS (Continued) SECTION PAGE IV. CRS ACTIVITIES THAT CAN DIRECTLY BENEFIT INSURANCE AGENTS............. CRS 1 ELIGIBLE COMMUNITIES.................................................................................................... CRS 2 SPECIAL PROCEDURES FOR TARGETED REPETITIVE LOSS PROPERTIES ................... RL 1 I. GENERAL DESCRIPTION........................................................................................... RL 1 II. NOTIFICATION REQUIREMENTS .............................................................................. RL 1 III. DISPUTE RESOLUTION.............................................................................................. RL 1 IV. MITIGATION................................................................................................................. RL 1 DEFINITIONS ............................................................................................................................. DEF 1 INDEX ..................................................................................................................................... IND 1 xi May 1, 2005 LIST OF TABLES SECTION/TABLE PAGE REFERENCE NFIP Servicing Agent Contact Information for NFIP Direct Program Agents ........................ REF 3 NFIP General Contact Information for All NFIP Stakeholders ............................................... REF 4 NFIP Bureau and Statistical Agent Regional Offices............................................................. REF 5 GENERAL RULES Matching Standard Flood Insurance Policy Forms with Specific Risks ................................ GR 2 RATING Amount of Insurance Available .............................................................................................. RATE 1 Table 1. Emergency Program Rates.................................................................................. RATE 1 Table 2. Regular Program--Pre-FIRM Construction Rates................................................ RATE 2 Table 3. Regular Program--Post-FIRM Construction Rates .............................................. RATE 3 Table 4. Regular Program--FIRM Zone AR and AR Dual Zones Rates ............................ RATE 9 Table 5. Regular Program--Pre-FIRM and Post-FIRM Elevation-Rated Rates ................. RATE 10 Table 6. Precalculated Pre-FIRM Premium Table ............................................................. RATE 11 Table 7. Federal Policy Fee and Probation Surcharge Table............................................ RATE 12 Table 8A. Standard Deductibles........................................................................................... RATE 12 Table 8B. Deductible Factors ............................................................................................... RATE 13 Table 9. Standard Flood Insurance Policy Increased Cost of Compliance (ICC) Coverage Premiums ................................................................................................... RATE 14 Table 10. V-Zone Risk Rating RelativitiesTable .................................................................. RATE 32 CONDOMINIUMS Table 1. Condominium Underwriting Guidelines................................................................ CONDO 3 Table 2. Condominium Rating Chart.................................................................................. CONDO 4 Table 3. RCBAP High-Rise Condominium Rates .............................................................. CONDO 10 Table 4. RCBAP Low-Rise Condominium Rates............................................................... CONDO 14 Table 5. RCBAP High-Rise and Low-Rise Condominium Rates-- 1981 Post-FIRM V1-V30, VE Zone Rates.................................................................. CONDO 19 Table 6. RCBAP High-Rise and Low-Rise Condominium Rates-- Increased Cost of Compliance (ICC) Coverage......................................................... CONDO 21 Table 7. RCBAP Deductible Factors – All Zones............................................................... CONDO 22 SPECIAL CERTIFICATIONS Approved Communities for Residential Basement Floodproofing Rating Credit ................... CERT 4 PREFERRED RISK POLICY The PRP at a Glance ............................................................................................................PRP 1 PRP Coverages Available Effective May 1, 2004 ................................................................. PRP 3 MORTGAGE PORTFOLIO PROTECTION PROGRAM Mortgage Portfolio Protection Program Rate and Increased Cost of Compliance (ICC) Table ........................................................................ MPPP 1 POLICY RENEWALS Summary of Policy Notices ................................................................................................... REN 3 xii May 1, 2006 LIST OF TABLES (Continued) SECTION/TABLE PAGE CANCELLATION/NULLIFICATION Processing Outcomes for Cancellation/Nullification of a Flood Insurance Policy.................. CN 8 FLOOD MAPS MSC Products, Services, and Fees ...................................................................................... MAP 5 COASTAL BARRIER RESOURCES SYSTEM List of Communities................................................................................................................ CBRS 3 COMMUNITY RATING SYSTEM CRS Premium Discounts ....................................................................................................... CRS 1 Eligible Communities.............................................................................................................. CRS 2 xiii May 1, 2006 LIST OF ILLUSTRATIONS SECTION/ILLUSTRATION PAGE APPLICATION Flood Insurance Application - Part 1 .....................................................................................APP 9 Flood Insurance Application - Part 2 .....................................................................................APP 10 RATING V-Zone Risk Factor Rating Form and Instructions .................................................................RATE 33 LOWEST FLOOR GUIDE Lowest Floor Determination Guide.........................................................................................LFG 3 SPECIAL CERTIFICATIONS Residential Basement Floodproofing Certificate................................................................... CERT 5 Floodproofing Certificate for Non-Residential Structures...................................................... CERT 7 Elevation Certificate and Instructions – New Edition (2/13/2006) ......................................... CERT 9 Elevation Certificate and Instructions – Old Edition (1/1/2003)............................................. CERT 25 PREFERRED RISK POLICY Flood Insurance Preferred Risk Policy Application ...............................................................PRP 6 GENERAL CHANGE ENDORSEMENT Flood Insurance General Change Endorsement....................................................................END 13 POLICY RENEWALS Renewal Notice ..................................................................................................................... REN 4 Final Notice ..................................................................................................................... REN 6 Credit Card Payment Form ................................................................................................... REN 8 CANCELLATION/NULLIFICATION Flood Insurance Cancellation/Nullification Request Form .....................................................CN 9 POLICY Standard Flood Insurance Policy - Dwelling Form................................................................ POL 3 Standard Flood Insurance Policy - General Property Form .................................................. POL 23 Standard Flood Insurance Policy - Residential Condominium Building Association Policy.................................................................................................................................. POL 43 FLOOD MAPS Sample Flood Insurance Rate Map (FIRM) .......................................................................... MAP 7 Sample Flood Hazard Boundary Map (FHBM) ..................................................................... MAP 8 xiv May 1, 2006 LIST OF ILLUSTRATIONS (Continued) SECTION/ILLUSTRATION PAGE PROVISIONAL RATING Provisional Rating Questionnaire.......................................................................................... PR 3 Sample Notice to Accompany Provisionally Rated Policies.................................................. PR 5 SPECIAL PROCEDURES FOR TARGETED REPETITIVE LOSS PROPERTIES Agent’s 90-Day Notification Letter......................................................................................... RL 2 Policyholder’s 90-Day Notification Letter .............................................................................. RL 4 xv May 1, 2005 REFERENCE I. INTRODUCTION TO THE NATIONAL FLOOD INSURANCE PROGRAM The National Flood Insurance Program (NFIP) was established by the National Flood Insurance Act of 1968. The Act was in response to Congress finding that: • Flooding disasters required unforeseen disaster relief and placed an increased burden on the nation's resources. • The installation of flood preventive and protective measures and other public programs designed to reduce losses caused by flood damage had not been sufficient to adequately protect against the growing exposure to flood losses as a matter of national policy. A reasonable method of slowing the risk of flood losses would be through a program of flood insurance that could complement and encourage preventive and protective measures. • Many factors made it uneconomical for the private insurance industry carriers to make flood insurance available to those in need of such protection on reasonable terms and conditions. • A program of flood insurance with large- scale participation of the federal government and the maximum extent practicable by the private industry was feasible and could be initiated. Congress stated that the purpose in passing the Act was to: • Authorize a flood insurance program that, over time, could be made available on a nationwide basis through the cooperative effort of the federal government and the private insurance industry. • Provide flexibility in the program so that such flood insurance would be based on workable methods of pooling risks, minimizing costs, and distributing burdens equitably among the general public and those who would be protected by flood insurance. • Encourage state and local governments to use wisely the lands under their jurisdictions by considering the hazard of flood when rendering decisions on the future use of such land, thus minimizing damage caused by flooding. From 1968 until 1979, the NFIP was administered by the U.S. Department of Housing and Urban Development. When the Federal Emergency Management Agency (FEMA) was established in 1979, administration of the NFIP was transferred to that agency. In March 2003, FEMA became part of the newly created U.S. Department of Homeland Security. The NFIP is a program in which communities formally agree, as evidenced by their adoption of codes and ordinances, to regulate the use of their flood-prone lands. In return, FEMA makes flood insurance coverage available on buildings and their contents throughout the community. FEMA has traditionally identified these flood hazard areas on maps, which are provided to communities for carrying out their responsibilities. The maps are also used by insurance producers to determine rates and by lenders to determine purchase requirements. II. THE WRITE YOUR OWN PROGRAM The Write Your Own (WYO) Program, begun in 1983, is a cooperative undertaking of FEMA and the private insurance industry. The WYO Program operates within the context of the NFIP and is subject to its rules and regulations. WYO allows participating property and casualty insurance companies to write and service federal flood insurance in their own names. The companies receive an expense allowance for policies written and claims processed while the federal government retains responsibility for under-writing losses. Individual WYO Companies may, to the extent possible, and consistent with Program rules and regulations, conform their flood business to their normal business practices for other lines of insurance. Many producers have elected to move or place their flood policies with one or more of the WYO Companies they represent. In brief, the producer has the following options: • Place all business with one or more WYO Companies; • Place business with both the NFIP directly and with one or more WYO Companies; or • Continue to place all flood insurance directly with the NFIP (referred to as "NFIP direct business"). REF 1 May 1, 2005 The goals of the Program are to increase the policy base, improve services, and involve the insurance companies. III. TECHNICAL ASSISTANCE In order to provide the most efficient service to policyholders, follow these procedures when requesting technical assistance in connection with the sale and servicing of Standard Flood Insurance Policies. It is essential that all parties—WYO companies, the National Flood Insurance Program’s Bureau and Statistical Agent, the NFIP Servicing Agent, insurance agents and adjusters—comply. A. WYO Companies Agents and adjusters servicing flood insurance business through one of the Write Your Own (WYO) companies should direct questions and requests for technical assistance to the WYO Company itself. If the WYO Company needs technical assistance, then it will contact its Business Analyst (formerly called Program Coordinator) at the NFIP’s Bureau and Statistical Agent. If the Business Analyst, with the assistance of technical experts at the Bureau, cannot provide the needed assistance, the Bureau will direct the inquiry to FEMA for an answer. B. NFIP Servicing Agent (NFIP Direct) Agents and adjusters servicing flood insurance business through the NFIP Servicing Agent should contact the NFIP Servicing Agent for the answer to technical questions or the resolution of technical problems connected with the NFIP. If the NFIP Servicing Agent cannot provide the needed assistance, it will contact FEMA for an answer. C. Special Direct Facility Agents and adjusters serving flood insurance policies identified as targeted repetitive loss properties should contact the Special Direct Facility established by the NFIP Servicing Agent for technical assistance. See the Repetitive Loss section of this manual for more information. REF 2 May 1, 2006 NFIP SERVICING AGENT CONTACT INFORMATION FOR NFIP DIRECT PROGRAM AGENTS The contact information below is for use only by agents/producers who write with the NFIP Direct Program— that is, the NFIP Servicing Agent. Agents/producers who write with the NFIP Write Your Own (WYO) Program must submit materials and questions to their WYO Companies. CORRESPONDENCE TYPE MAILING ADDRESS TELEPHONE & FAX NUMBERS* Applications (not Submit-for Rate) NFIP Servicing Agent P.O. Box 29138 Shawnee Mission, KS 66201-9138 Phone 1-800-638-6620 Fax 1-800-742-3148 Endorsements Cancellations NFIP Servicing Agent P.O. Box 2992 Shawnee Mission, KS 66201-1392 Phone 1-800-638-6620 Fax 1-800-742-3148 Submit-for-Rate Applications (See pages RATE 23-24) Underpayment Letters Underwriting Inquiries and Issues All Other Inquiries NFIP Servicing Agent P.O. Box 2965 Shawnee Mission, KS 66201-1365 Phone 1-800-638-6620 Fax 1-800-742-3148 Targeted Repetitive Loss Properties NFIP Special Direct Facility P.O. Box 29524 Shawnee Mission, KS 66201-5524 Phone 1-800-638-6620 Fax 1-800-742-3148 Renewal Notices (with premium payments) Expiration Notices (with premium payments) NFIP Servicing Agent P.O. Box 105656 Atlanta, GA 30348-5656 Phone 1-800-638-6620 Fax 1-800-742-3148 Notices of Loss Written Claims Inquiries All Other Claims Correspondence NFIP Servicing Agent P.O. Box 2966 Shawnee Mission, KS 66201-1366 Phone 1-800-767-4341 Fax 1-800-767-5574 Overnight Express Deliveries Certified Mail NFIP Servicing Agent C/o Covansys 13401 W. 98th St. Lenexa, KS 66215 N/A *Telecommunication Device for the Deaf (TDD) 1-800-447-9487 REF 3 May 1, 2005 NFIP GENERAL CONTACT INFORMATION FOR ALL NFIP STAKEHOLDERS TOPIC MAILING/WEBSITE ADDRESSES TELEPHONE & FAX NUMBERS* CBRS Areas - Map Panel Listing www.fema.gov/nfip N/A Community Status Book FEMA Map Service Center P.O. Box 1038 Jessup, MD 20794-1038 www.fema.gov/nfip Phone 1-800-358-9616 Fax 1-800-358-9620 NFIP Marketing & Advertising www.floodsmart.gov N/A Flood Insurance Manual & Producer’s Edition FEMA Map Service Center P.O. Box 1038 Jessup, MD 20794-1038 www.fema.gov/nfip Phone 1-800-358-9616 Fax 1-800-358-9620 Flood Zone Determination Companies (list) www.fema.gov/nfip N/A Agent Referral Program Sign-up Form www.floodsmart.gov/agent Phone 1-888-786-7693 Maps and Q3 Data FEMA Map Service Center P.O. Box 1038 Jessup, MD 20794-1038 http://msc.fema.gov Phone 1-800-358-9616 Fax 1-800-358-9620 Rating Software Information (list) www.fema.gov/nfip N/A Supply Order Forms Claims & Underwriting Public Awareness Materials FEMA Distribution Center P.O. Box 2012 Jessup, MD 20794-2012 Phone 1-800-480-2520 Fax 1-301-362-5335 Training on Flood Insurance www.fema.gov/nfip Your NFIP Regional Office (See list on following pages.) Write Your Own (WYO) Companies (list) www.fema.gov/nfip Phone 1-800-480-2520 for Item 073, “The Choice Is Yours” *Telecommunication Device for the Deaf (TDD) 1-800-447-9487 REF 4 May 1, 2006 NATIONAL FLOOD INSURANCE PROGRAM BUREAU AND STATISTICAL AGENT REGIONAL OFFICES The National Flood Insurance Program's Bureau and Statistical Agent operates a network of regional offices within the continental United States. The primary function of the regional offices is lender and producer training through workshops and individual visits. Other services provided by the regional offices are similar to those provided by an insurance company field office. The regional offices do not handle processing, nor do they have policy files at their locations. However, the regional staff may be able to assist with problems and answer questions of a general nature. For offices that have moved, some contact information remained to be determined (TBD) as the May 1, 2006, revisions to this manual were being finalized. The latest contact information for both NFIP Bureau & Statistical Agent and FEMA regional offices is available at http://www.fema.gov/nfip/reg.shtm. NFIP BUREAU AND STATISTICAL AGENT REGIONAL OFFICES Region I Suite 200 140 Wood Road Braintree, MA 02184-2513 Phone: 781-848-1908 Fax: 781-356-4142 Region II NFIP Region II Office C/o CSC 304 West Route 38 Moorestown, NJ 08057-3212 Phone: TBD Fax: TBD Region III NFIP Region III Office C/o CSC 304 West Route 38 Moorestown, NJ 08057-3212 Phone: 856-489-4003 Fax: 856-751-2817 Region IV – Atlanta Office P.O. Box 2706 Suwanee, GA 30024-0984 Phone: 770-887-6865 Fax: TBD Region IV – Tampa Office P.O. Box 1046 Zephyrhills, FL 33539-1046 Phone: 813-779-9642 Fax: 813-779-3085 NFIP BUREAU AND STATISTICAL AGENT REGIONAL STAFF Thomas Gann Territorial Manager [Vacant] Regional Manager Richard Sobota, CPCU Regional Manager Roger Widdifield Territorial Manager Lynne Magel Program Specialist SERVICE AREA Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island, Vermont New Jersey, New York Delaware, District of Columbia, Maryland, Pennsylvania, Virginia, West Virginia Alabama, Georgia, Kentucky, Mississippi, North Carolina, South Carolina, Tennessee Florida REF 5 May 1, 2006 NFIP BUREAU AND NFIP BUREAU AND STATISTICAL AGENT STATISTICAL AGENT SERVICE REGIONAL OFFICES REGIONAL STAFF AREA Region V Richard Slevin Illinois, Indiana, Michigan, Minnesota, Suite 123 Regional Manager Ohio, Wisconsin 18008 Wolf Road Orland Park, IL 60467-5407 Phone: 708-326-3072 Fax: 708-326-3074 Region VI [Vacant] Arkansas, Louisiana, New Mexico, Suite 108 Regional Manager Oklahoma, Puerto Rico, Texas, Virgin 15835 Park Ten Place Islands Houston, TX 77084-5131 Phone: 281-829-6880 Fax: 281-829-6879 Region VII Suite 3 Dean Ownby, CPCU Territorial Manager Iowa, Kansas, Missouri, Nebraska 401 South Main Street Ottawa, KS 66067-2300 Phone: 913-780-4238 Fax: 913-780-4368 Region VIII 3440 Youngfield Street Norman Ashford, CPCU Territorial Manager Colorado, Montana, North Dakota, South Dakota, Utah, Wyoming P.O. Box 186 Wheat Ridge, CO 80033-5245 Phone: 303-275-3475 Fax: 303-275-3471 Region IX Suite 103 [Vacant] Regional Manager Arizona, California, Guam, Hawaii, Nevada 1532 Eureka Road Roseville, CA 95661-3054 Phone: 916-780-7889 Fax: 916-780-7905 Region X Leslie Melville Alaska, Idaho, Oregon, Washington P.O. Box 602 Regional Manager Bothell, WA 98041-0602 Phone: 425-482-0316 Fax: TBD REF 6 May 1, 2006 GENERAL RULES I. COMMUNITY ELIGIBILITY A. Participating (Eligible) Communities Flood insurance may be written only in those communities that have been designated as participating in the National Flood Insurance Program (NFIP) by the Federal Emergency Management Agency (FEMA). B. Emergency Program The Emergency Program is the initial phase of a community's participation in the NFIP. Limited amounts of coverage are available. C. Regular Program The Regular Program is the final phase of a community's participation in the NFIP. In this phase, a Flood Insurance Rate Map is in effect and full limits of coverage are available. D. Maps Maps of participating communities indicate the degree of flood hazard so that actuarial premium rates can be assigned for insurance coverage on properties at risk. 1. Flood Hazard Boundary Map (FHBM) - Usually the initial map of a community. Some communities entering the Regular Program will continue to use FHBMs renamed a Flood Insurance Rate Map (FIRM), if there is a minimum flood hazard. 2. Flood Insurance Rate Map (FIRM) - The official map of the community containing detailed actuarial risk premium zones. 3. Rescission - Participating communities in the Emergency Program remain in the Emergency Program if an FHBM is rescinded. E. Probation Probation, imposed by the FEMA Regional Director, occurs as a result of noncompliance with NFIP floodplain management criteria. A community is placed on probation for 1 year (may be extended), during which time a $50 surcharge is applied to all NFIP policies, including the Preferred Risk Policy, issued on or after the Probation Surcharge effective date. Probation is terminated if deficiencies are corrected. However, if a community does not take remedial or corrective measures while on probation, it can be suspended. F. Suspension Flood insurance may not be sold or renewed in communities that are suspended from the NFIP. When a community is suspended, coverage remains in effect until expiration. These policies cannot be renewed. G. Non-Participating (Ineligible) Communities When FEMA provides a non-participating community with a Flood Hazard Boundary Map (FHBM) or Flood Insurance Rate Map (FIRM) delineating its flood-prone areas, the community is allowed 1 year in which to join the NFIP. If the community chooses not to participate in the NFIP, flood insurance is not available. H. Coastal Barrier Resources Act Flood insurance may not be available for buildings and/or contents located in coastal barriers or otherwise protected areas. See the Coastal Barrier Resources System section for additional information. I. Federal Land Buildings and/or contents located on land owned by the federal government are eligible for flood insurance if the federal agency having control of the land has met floodplain management requirements. All federal land is recorded under the local community number even if that local community does not have jurisdiction. II. POLICIES AND PRODUCTS AVAILABLE A. Standard Flood Insurance Policy The Standard Flood Insurance Policy (SFIP) consists of the Dwelling Form, the General Property Form, and the Residential Condominium Building Association Policy (RCBAP) Form. The three SFIP forms are reproduced in the Policy section of this manual. The table on the next page shows how agents can use the three SFIP forms to insure a variety of residential and non-residential building and contents risks. GR 1 May 1, 2006 Matching Standard Flood Insurance Policy Forms with Specific Risks SFIP POLICY FORM ELIGIBILITY Dwelling Form Issued to homeowner, residential renter, or owner of residential building containing two to four units. In NFIP Regular Program community or Emergency Program community, provides building and/or contents coverage for: . Detached, single-family, non-condominium residence with incidental occupancy limited to less than 50% of the total floor area; . Two- to four-family, non-condominium building with incidental occupancy limited to less than 25% of the total floor area; . Dwelling unit in residential condominium building; .. Residential townhouse/rowhouse. General Property Form Issued to owner of residential building with five or more units. Issued to owner or lessee of non-residential building or unit. In NFIP Regular Program community or Emergency Program community, provides building and/or contents coverage for these and similar “other residential” risks: . Hotel or motel with normal guest occupancy of 6 months or more; . Tourist home or rooming house with five or more lodgers; .. Apartment building; . Residential cooperative building; .. Dormitory; .. Assisted-living facility. In NFIP Regular Program community or Emergency Program community, provides building coverage and/or contents coverage for these and similar non-residential risks: . Hotel or motel with normal guest occupancy of less than 6 months; .. Licensed bed-and-breakfast inn; . Retail shop, restaurant, or other business; .. Mercantile building; . Grain bin, silo, or other farm building; . Agricultural or industrial processing facility; .. Factory; .. Warehouse; . Poolhouse, clubhouse, or other recreational building; .. House of worship; .. School; .. Nursing home; .. Non-residential condominium; . Condominium building with less than 75% of its total floor area in residential use; .. Detached garage; .. Tool shed; . Stock, inventory, or other commercial contents. Residential Condominium Building Association Policy (RCBAP) Issued to residential condominium association on behalf of association and unit owners. In NFIP Regular Program community only, provides building coverage and, if desired, coverage of commonly owned contents for residential condominium building with 75% or more of its total floor area in residential use. B. Insurance Products 1. Preferred Risk Policy The Preferred Risk Policy (PRP) is available in moderate-risk flood zones B, C, and X. Formerly, only single-family and two- to four- family dwellings were eligible for coverage. Effective May 1, 2004, other residential and non-residential buildings became eligible for coverage. For information about specific eligibility requirements and other changes in the Preferred Risk Policy, see the PRP section of this manual. 2. Mortgage Portfolio Protection Program (MPPP) The Mortgage Portfolio Protection Program (MPPP) offers a force-placed policy available only through a Write Your Own Company. GR 2 May 1, 2006 3. Scheduled Building Policy The Scheduled Building Policy is available to cover 2 to 10 buildings. The policy requires a specific amount of insurance to be designated for each building. To qualify, all buildings must have the same ownership and the same location. The properties on which the buildings are located must be contiguous. 4. Group Flood Insurance Group Flood Insurance is issued by the NFIP Direct Program in response to a Presidential disaster declaration. Disaster assistance applicants, in exchange for a modest premium, receive a minimum amount of building and/or contents coverage for a 3-year policy period. An applicant may cancel the group policy at any time and secure a regular Standard Flood Insurance Policy through the NFIP. III. BUILDING PROPERTY ELIGIBILITY A. Eligible Buildings Insurance may be written only on a structure with two or more outside rigid walls and a fully secured roof that is affixed to a permanent site. Buildings must resist flotation, collapse, and lateral movement. At least 51 percent of the actual cash value of buildings, including machinery and equipment, which are a part of the buildings, must be above ground level, unless the lowest level is at or above the Base Flood Elevation (BFE) and is below ground by reason of earth having been used as insulation material in conjunction with energy-efficient building techniques. 1. Appurtenant Structures The only appurtenant structure covered by the SFIP is a detached garage at the described location, which is covered under the Dwelling Form. Coverage is limited to no more than 10 percent of the limit of liability on the dwelling. Use of this insurance is at the policyholder’s option but reduces the building limit of liability. The SFIP does not cover any detached garage used or held for use for residential (i.e., dwelling), business, or farming purposes. 2. Manufactured (Mobile) Homes/Travel Trailers Eligible buildings also include: • A manufactured home (a “manufactured home,” also known as a GR 3 mobile home, is a structure built on a permanent chassis, transported to its site in one or more sections, and affixed to a permanent foundation); or • A travel trailer without wheels, built on a chassis and affixed to a permanent foundation, that is regulated under the community’s floodplain management and building ordinances or laws. NOTE: All references in this manual to manufactured (mobile) homes include travel trailers without wheels. a. Manufactured (Mobile) Homes -New Policies Effective on or After October 1, 1982 To be insurable under the NFIP, a mobile home: • Must be affixed to a permanent foundation. A permanent foundation for a manufactured (mobile) home may be poured masonry slab or foundation walls, or may be piers or block supports, either of which support the mobile home so that no weight is supported by the wheels and axles of the mobile home. • Must be anchored if located in a Special Flood Hazard area. For flood insurance coverage, all new policies and subsequent renewals of those policies must be based upon the specific anchoring requirements identified below: A manufactured (mobile) home located within a Special Flood Hazard Area must be anchored to a permanent foundation to resist flotation, collapse, or lateral movement by providing over-the-top or frame ties to ground anchors; or in accordance with manufacturer’s specifications; or in compliance with the community’s floodplain management requirements. b. Manufactured (Mobile) Homes - Continuously Insured Since September 30, 1982 All manufactured (mobile) homes on a foundation continuously insured since September 30, 1982, can be renewed under the previously existing require- May 1, 2006 ments if affixed to a permanent foundation. Manufactured (mobile) homes in compliance with the foundation and anchoring requirements at the time of placement may continue to be renewed under these requirements even though the requirements are more stringent at a later date. To be adequately anchored, the manufactured (mobile) home is attached to the foundation support system, which in turn is established (stabilized) into the ground, sufficiently to resist flotation, collapse, and lateral movement caused by flood forces, including wind forces in coastal areas. 3. Silos and Grain Storage Buildings 4. Cisterns 5. Buildings Entirely Over Water - Constructed or Substantially Improved Before October 1, 1982 Follow "submit for rate" instructions in the Rating section for insurance on Post-FIRM buildings located entirely in, on, or over water or seaward of mean high tide for these buildings. Pre-FIRM buildings constructed before October 1, 1982, are eligible for normal Pre-FIRM rates. If the building's start of construction occurred on or after October 1, 1982, the building is ineligible for coverage. 6. Buildings Partially Over Water Follow “submit for rate” instructions in the Rating section for buildings partially over water. However, Pre-FIRM buildings are eligible for normal Pre-FIRM rates. 7. Boathouses Located Partially Over Water The non-boathouse parts of a building into which boats are floated are eligible for coverage if the building is partly over land and also used for residential, commercial, or municipal purposes and is eligible for flood coverage. The area above the boathouse used for purposes unrelated to the boathouse use (e.g., residential occupancy) is insurable from the floor joists to the roof including walls. A common wall between the boathouse area and the other part of the building is insurable. The following items are not covered: a. The ceiling and roof over the boathouse portions of the building into which boats are floated. b. Floors, walkways, decking, etc., within the boathouse area, or outside the area, but pertaining to boathouse use. c. Exterior walls and doors of the boathouse area not common to the rest of the building. d. Interior walls and coverings within the boathouse area. e. Contents located within the boathouse area, including furnishings and equipment, relating to the operation and storage of boats and other boathouse uses. The Flood Insurance Application form with photographs, but without premium, must be submitted to the NFIP for premium determination. No coverage becomes effective until the NFIP approves the insurance application, determines the rate, and receives the premium. However, buildings in existence prior to October 1, 1982, may continue to be rated using the published rate. 8. Buildings in the Course of Construction Buildings in the course of construction that have yet to be walled and roofed are eligible for coverage except when construction has been halted for more than 90 days and/or if the lowest floor used for rating purposes is below the Base Flood Elevation (BFE). Materials or supplies intended for use in such construction, alteration, or repair are not insurable unless they are contained within an enclosed building on the premises or adjacent to the premises. To determine the eligibility of a residential condominium building under construction, see page CONDO 6 in this manual. 9. Repetitive Loss Target Group Properties These must be processed by the NFIP Special Direct Facility. See the Repetitive Loss section of this manual for information. GR 4 May 1, 2006 B. Single Building To qualify as a single building structure and be subject to the single building limits of coverage, a building must be separated from other buildings by intervening clear space or solid, vertical, load- bearing division walls. A building separated into divisions by solid, vertical, load-bearing walls from its lowest level to its highest ceiling may have each division insured as a separate building. A solid load-bearing interior wall cannot have any openings and must not provide access from one building or room into another (partial walls). If access is available through a doorway or opening, then the structure must be insured as one building. Flood insurance for a unit of a multiple-unit complex may be written as a single-building policy, provided that: the unit is self contained; it is a separately titled unit contiguous to the ground; it has a separate legal description; and it is regarded as a separate property for other real estate purposes, meaning that it has most of its own utilities and may be deeded, conveyed, and taxed separately. Additions and Extensions The NFIP insures additions and extensions attached to and in contact with the building by means of a rigid exterior wall, a solid load-bearing interior wall, a stairway, an elevated walkway, or a roof. At the insured’s option, additions and extensions connected by any of these methods may be separately insured. Additions and extensions attached to and in contact with the building by means of a common interior wall that is not a solid load-bearing wall are always considered part of the building and cannot be separately insured. C. Walls 1. Breakaway Walls For an enclosure's wall to qualify as breakaway, it must meet all of the following criteria: a. Above ground level; and b. Below the elevated floor of an elevated structure; and c. Non-structurally supporting (non-loadbearing walls); and d. Designed to fail under certain wave force conditions; and e. Designed so that, as a result of failure, it causes no damage to the elevated portions of the elevated building and/or its supporting foundation system. 2. Shear Walls Shear walls are used for structural support, but are not structurally joined or enclosed at the ends (except by breakaway walls). Shear walls are parallel (or nearly parallel) to the flow of the water and can be used in any zone. 3. Solid Perimeter Foundation Walls Solid perimeter foundation walls are used as a means of elevating the building in A Zones and must contain proper openings to allow for the unimpeded flow of floodwaters more than 1 foot deep. Solid perimeter foundation walls are not an acceptable means of elevating buildings in V/VE Zones. D. Determination of Building Occupancy The following terms should be used to determine the appropriate occupancy classification: 1. Single Family Dwellings These are non-condominium residential buildings designed for principal use as a dwelling place for one family, or a single- family dwelling unit in a condominium building. Residential single family dwellings are permitted incidental occupancies, including structures with office, professional, private school, or studio occupancies, including a small service operation, if such occupancies are limited to less than 50 percent of the building's total floor area. 2. 2-4 Family Dwellings These are non-condominium residential buildings designed for principal use as a dwelling place of two to four families. Residential buildings, excluding hotels and motels with normal room rentals for less than 6 months' duration and containing no more than 4 dwelling units, are permitted incidental occupancies (see D.1 above). The total area of incidental occupancy is limited to less than GR 5 May 1, 2006 25 percent of the total floor area within the V. EXAMPLES OF ELIGIBLE RISKS building. Since the question of coverage eligibility has 3. Other Residential Buildings frequently been raised, examples of eligible risks are provided below. These include hotels or motels where the normal occupancy of a guest is 6 months or A. Building Coverage more, or a tourist home or rooming house which has more than four roomers. This also 1. Cooperative Building--Entire Building in includes residential buildings, excluding Name of Cooperative (General Property hotels and motels with normal room rentals Form) for less than 6 months' duration and Cooperative buildings where at least 75 containing more than four dwelling units. percent of the area of the building is used for These buildings are permitted incidental residential purposes are considered as occupancies (see D.1 above). The total area residential occupancies, and can be insured of incidental occupancy is limited to less than for a maximum building coverage of 25 percent of the total floor area within the $250,000 in a Regular Program community building. Examples of other residential under the General Property Form. Since they buildings include dormitories and assisted are not in the condominium form of living facilities. ownership, they cannot be insured under the RCBAP. 4. Non-Residential Buildings 2. Time Sharing Building--Entire Building in This category includes all other eligible Name of Corporation (General Property occupancies (e.g., garages, poolhouses, Form) recreational buildings, agricultural buildings, licensed bed and breakfasts, nursing Timeshare buildings not in the condominium homes, etc.). form of ownership where at least 75 percent of the area of the building is used for IV. CONTENTS ELIGIBILITY residential purposes are considered as residential occupancies under the NFIP, and A. Eligible Contents can be insured for a maximum building Contents must be located in a fully enclosed coverage of $250,000 under the General building or secured to prevent flotation out of the Property Form. building. Timeshare buildings in the condominium form of ownership are eligible for coverage and B. Vehicles and Equipment must be insured under the RCBAP. These The NFIP covers self-propelled vehicles or buildings are subject to the same eligibility, machines, provided they are not licensed for use rating, and coverage requirements as other on public roads and are: condominiums, including the requirement that 75 percent of the area of the building be used 1. Used mainly to service the described for residential purposes. location; or B. Contents Coverage 2. Designed and used to assist handicapped Parts and equipment as open stock—not part of persons; specific vehicle or motorized equipment—are eligible for coverage. while the vehicles or machines are inside a building at the described location. C. Condominiums C. Silos, Grain Storage Buildings, and Refer to pages CONDO 3-5. Cisterns VI. INELIGIBLE PROPERTY Contents located in silos, grain storage buildings, and cisterns are insurable. A. Buildings D. Commercial Contents Coverage Coverage may not be available for buildings that are constructed or altered in such a way as to Commercial contents in a residential property place them in violation of state or local floodplain must be insured on the General Property Form. management laws, regulations, or ordinances. GR 6 May 1, 2006 Contents and personal property contained in these buildings are ineligible for coverage. For example, section 1316 of the National Flood Insurance Act of 1968 allows the states to declare a structure to be in violation of a law, regulation, or ordinance. Flood insurance is not available for properties that are placed on the 1316 Property List. Insurance availability is restored once the violation is corrected and the 1316 Declaration has been rescinded. B. Container-Type Buildings Gas and liquid tanks, chemical or reactor container tanks or enclosures, brick kilns, and similar units, and their contents are ineligible for coverage. C. Buildings Entirely Over Water Buildings newly constructed or substantially improved on or after October 1, 1982, and located entirely in, on, or over water or seaward of mean high tide are ineligible for coverage. D. Buildings Partially Underground If 50 percent or more of the building's actual cash value, including the machinery and equipment, which are part of the building, is below ground level, the building or units and their contents are ineligible for coverage unless the lowest level is at or above the BFE and is below ground by reason of earth having been used as insulation material in conjunction with energy efficient building techniques. E. Basement/Elevated Building Enclosures Certain specific property in basements and under elevated floors of buildings is excluded from coverage. See the policy contract for specific information. VII. EXAMPLES OF INELIGIBLE RISKS Some specific examples of ineligible risks are provided below. See the policy for a definitive listing of property not covered. A. Building Coverage 1. Boat Repair Dock 2. Boat Storage Over Water 3. Boathouses (exceptions on page GR 4) 4. Camper 5. Cooperative Unit Within Cooperative Building 6. Decks (except for steps and landing; maximum landing area of 16 sq. ft.) 7. Drive-In Bank Teller Unit (located outside walls of building) 8. Fuel Pump 9. Gazebo (unless it qualifies as a building) 10. Greenhouse (unless it has at least two rigid walls and a roof) 11. Hot tub or spa (unless it is installed as a bathroom fixture) 12. Open Stadium 13. Pavilion (unless it qualifies as a building) 14. Pole Barn (unless it qualifies as a building) 15. Pumping Station (unless it qualifies as a building) 16. Storage Tank--Gasoline, Water, Chemicals, Sugar, etc. 17. Swimming Pool Bubble 18. Swimming Pool (indoor or outdoor) 19. Tennis Bubble 20. Tent 21. Time Sharing Unit Within Multi-Unit Building 22. Travel Trailer (unless converted to a permanent onsite building meeting the community's floodplain management permit requirements) 23. Water Treatment Plant (unless 51 percent of its actual cash value is above ground) B. Contents Coverage 1. Automobiles--Including Dealer's Stock (assembled or not) 2. Bailee's Customer Goods--Including garment contractors, cleaners, shoe repair shops, processors of goods belonging to others, and similar risks 3. Contents Located in a Structure Not Eligible for Building Coverage 4. Contents Located in a Building Not Fully Walled and/or Contents Not Secured Against Flotation GR 7 May 1, 2006 5. Motorcycles--Including Dealer's Stock (assembled or not) 6. Motorized Equipment--Including Dealer's Stock (assembled or not) C. Non-Residential Condominium Unit The owner of a non-residential condominium unit cannot purchase a unit owner's policy. The association can purchase a condominium association policy to cover the entire building. Contents-only coverage may be purchased by the unit owner. VIII. POLICY EFFECTIVE DATE A. Evidence of Insurance A copy of the Flood Insurance Application and premium payment, or a copy of the declarations page, is sufficient evidence of proof of purchase. The NFIP does not recognize an oral binder or contract of insurance. B. Start of Waiting Period There is a standard 30-day waiting period for new applications and for endorsements to increase coverage. 1. If the application or endorsement form and the premium payment are received at the NFIP within 10 days from the date of application or endorsement request, or if mailed by certified mail within 4 days from the date of application or endorsement request, then the waiting period will be calculated from the application or endorsement date. 2. If the application or endorsement form and the premium payment are received at the NFIP after 10 days from the date of application or endorsement request, or are not mailed by certified mail within 4 days from the date of application or endorsement request, then the waiting period will be calculated from the date the NFIP receives the application or endorsement. As used in VIIl.B.1. and 2. above, the term “certified mail” extends to not only the U.S. Postal Service but also certain third-party delivery services. Acceptable third-party delivery services include Federal Express (FedEx), United Parcel Service (UPS), and courier services and the like that provide proof of mailing. Third-party delivery is acceptable if the delivery service provides documentation of the actual mailing date and delivery date to the NFIP insurer. Bear in mind that third-party delivery services deliver to street addresses but cannot deliver to U.S. Postal Service post office boxes. C. Effective Date 1. New Policy (other than 2, 3, or 4 below)- The effective date of a new policy will be 12:01 a.m., local time, on the 30th calendar day after the application date and the presentment of premium. (Example: a policy applied for on May 3 will become effective 12:01 a.m., local time, on June 2.) The effective date of coverage is subject to the waiting period rule listed under B.1 or B.2 above. 2. New Policy (in connection with making, increasing, extending, or renewing a loan, whether conventional or otherwise)--Flood insurance, which is initially purchased in connection with the making, increasing, extending, or renewal of a loan, shall be effective at the time of loan closing, provided that the policy is applied for and the presentment of premium is made at or prior to the loan closing. (Example: presentment of premium and application date--April 3, refinancing--April 3 at 3:00 p.m., policy effective date--April 3 at 3:00 p.m.) This rule applies to all buildings regardless of flood zone. The waiting period rule listed under B.1 or B.2 above does not apply. 3. New Policy (in connection with lender requirement)--The 30-day waiting period does not apply when flood insurance is required as a result of a lender determining that a loan on a building in a Special Flood Hazard Area (SFHA) that does not have flood insurance coverage should be protected by flood insurance. The coverage is effective upon the completion of an application and the presentment of payment of premium. (Example: presentment of premium and application date--April 3, policy effective date--April 3.) The waiting period rule listed under B.1 or B.2 must be used. 4. New Policy (when the initial purchase of flood insurance is in connection with the revision or updating of a Flood Hazard Boundary Map or Flood Insurance Rate Map)--During the 13-month period beginning on the effective date of the map revision, the effective date of a new policy shall be 12:01 a.m., local time, following the GR 8 May 1, 2006 day after the application date and the presentment of premium. This rule only applies where the Flood Hazard Boundary Map (FHBM) or Flood Insurance Rate Map (FIRM) is revised to show the building to be in a Special Flood Hazard Area (SFHA) when it had not been in an SFHA. (Example: FIRM revised--January 1, 2005, policy applied for and presentment of premium--August 3, 2005, policy effective date--August 4, 2005.) The waiting period rule listed under B.1 or B.2 above must be used. 5. New Policy (in connection with the purchase of an RCBAP)--When a condominium association is purchasing a Residential Condominium Building Association Policy (RCBAP), the 30-day waiting period does not apply if the condominium association is required to obtain flood insurance as part of the security for a loan under the name of the condominium association. The coverage is effective upon completion of an application and presentment of premium. The waiting period rule listed under B.1 or B.2 above does not apply. In all other circumstances, the 30-day waiting period applies, and the waiting period rule listed under B.1 or B.2 above must be used. 6. New Policy (submit-for-rate application)-- With three exceptions (described below), the effective date of a new policy will be 12:01 a.m., local time, on the 30th calendar day after the presentment of premium. The three exceptions are as follows. First, there is no waiting period if the initial purchase of flood insurance on a submit- for-rate application is in connection with making, increasing, extending, or renewing a loan, provided that the policy is applied for and the presentment of premium is made at or prior to the loan closing. The waiting period rule listed under B.1 or B.2 above does not apply. Second, the 30-day waiting period does not apply when flood insurance is required as a result of a lender determining that a loan which does not have flood insurance coverage should be protected by flood insurance, because the building securing a loan is located in an SFHA. The coverage is effective upon the completion of an application and the presentment of payment of premium. This exemption from the 30-day waiting period applies only to loans in SFHAs, i.e., those loans for which the statute requires flood insurance. The waiting period rule listed under B.1 or B.2 above must be applied. Third, during the 13-month period beginning on the effective date of a map revision, the effective date of a new policy shall be 12:01 a.m., local time, following the day after the date the increased amount of coverage is applied for and the presentment of additional premium is made. This rule applies only on an initial purchase of flood insurance where the Flood Hazard Boundary Map (FHBM) or Flood Insurance Rate Map (FIRM) is revised to show the building to be in an SFHA when it had not been in an SFHA. The waiting period rule listed under B.1 or B.2 must be applied. 7. New Policy (rewrite Standard to PRP)--The 30-day waiting period does not apply when an insured decides to rewrite the existing policy at the time of renewal from Standard to a Preferred Risk Policy (PRP), provided that the selected PRP coverage limit amount is no higher than the next highest PRP amount above that which was carried on the Standard policy using the highest of building and contents coverage. In those cases where the Standard policy has only one kind of coverage, either building or contents only, the 30-day waiting period applies. In addition, if the structure is no longer eligible under the PRP or the insured decides to rewrite the existing PRP at renewal time to a Standard policy, the 30-day waiting period does not apply provided the coverage limit amount is no more than the previous PRP coverage amount or the next higher PRP amount above that. 8. New Policy (contents only)--Unless the contents are part of the security for a loan, the 30-day waiting period applies to the purchase of contents-only coverage. 9. New Policy (documentation required)--The insurer may rely on an agent’s representation on the application that the loan exception applies unless there is a loss during the first 30 days of the policy period. In that case, the insurer must GR 9 May 1, 2006 obtain documentation of the loan transaction, such as settlement papers, before adjusting the loss. 10. Community's Initial Entry or Conversion from Emergency to Regular Program- Process according to rules 1 through 9 above and 11 below. 11. Endorsements--With two exceptions (described below), the effective date for a new coverage or an increase in limits on a policy in force shall be 12:01 a.m., local time, on the 30th calendar day following the date of endorsement and the presentment of additional premium, or on such later date set by the insured to conform with the reason for the change. The two exceptions are as follows. First, during the 13-month period beginning on the effective date of a map revision, the effective date of an endorsement of an existing policy shall be 12:01 a.m., local time, following the day after the application date and the presentment of premium. This rule applies only where the FHBM or FIRM is revised to show the building to be in an SFHA when it had not been in an SFHA. Second, the 30-day waiting period does not apply when the additional amount of flood insurance is required in connection with the making, increasing, extending, or renewing of a loan, such as a second mortgage, home equity loan, or refinancing. The increased amount of flood coverage shall be effective at the time of loan closing, provided that the increased amount of coverage is applied for and the presentment of additional premium is made at or prior to the loan closing. The waiting period rule listed under B.1 or B.2 above does not apply. The insurer may rely on an agent’s representation on the endorsement that the loan exception applies unless there is a loss during the first 30 days of the policy period. In that case, the insurer must obtain documentation of the loan transaction, such as settlement papers, before adjusting the loss. 12. Renewals (inflation increase option)--The 30-day waiting period does not apply when an additional amount of insurance is requested at renewal time that is no more than the amount of increase recommended by the insurer on the renewal bill to keep pace with inflation. If a revised renewal offer is generated at least 30 days before renewal with coverage more than the inflation increase option, the new limits will apply at policy renewal. In either situation, the increased amount of coverage will be effective at 12:01 a.m. on the date of policy renewal provided the premium for the increased coverage is received before the expiration of the grace period. 13. Renewals (higher PRP limits)--The waiting period does not apply to a renewal offer to the insured for the next higher limits available under the PRP. 14. Renewals (deductible reduction)--The 30-day waiting period does not apply to a reduction of the deductible effective as of the renewal date. IX. COVERAGE A. Limits of Coverage Coverage may be purchased subject to the maximum limits of coverage available under the Program phase in which the community is participating. Duplicate policies are not allowed. B. Deductibles Deductibles apply separately to building coverage and to contents coverage. C. Coverage D -Increased Cost of Compliance (ICC) Coverage For all new and renewal policies effective on or after May 1, 2003, the ICC limit of liability is $30,000. The SFIP pays for complying with a State or local floodplain management law or ordinance affecting repair or reconstruction of a structure suffering flood damage. Compliance activities eligible for payment are: elevation, floodproofing, relocation, or demolition (or any combination of these activities) of the insured structure. Eligible floodproofing activities are limited to nonresidential structures and residential structures with basements that satisfy FEMA's standards published in the Code of Federal Regulations [44 CFR 60.6 (b) or (c)]. GR 10 May 1, 2006 ICC coverage is mandatory for all Standard Flood Insurance Policies, except that coverage is not available for: 1. Policies issued or renewed in the Emergency Program. 2. Condominium units, including townhouse/ rowhouse condominium units. (The condominium association is responsible for complying with mitigation requirements.) 3. Group Flood Insurance Policies. 4. Appurtenant structures, unless covered by a separate policy. ICC coverage contains exclusions in addition to those highlighted here. See the policy for a list of exclusions. To be eligible for claim payment under ICC, a structure must: a. Be a repetitive loss structure as defined, for which NFIP paid a previous qualifying claim, in addition to the current claim. The state or community must have a cumulative, substantial damage provision or repetitive loss provision in its floodplain management law or ordinance being enforced against the structure; OR b. Be a structure that has sustained substantial flood damage. The state or community must have a substantial damage provision in its floodplain management law or ordinance being enforced against the structure. The ICC premium is not eligible for the deductible discount. First calculate the deductible discount, then add in the ICC premium for each policy year. D. Reduction of Coverage Limits or Reformation In the event that the premium payment received is not sufficient to purchase the amounts of insurance requested, the policy shall be deemed to provide only such insurance as can be purchased for the entire term of the policy for the amount of premium received. Complete provisions for reduction of coverage limits or reformation are described in: 1. Dwelling Form, section VII, paragraph G. 2. General Property Form, section VII, paragraph G. 3. Residential Condominium Building Association Policy, section VIII, paragraph G. X. SPECIAL RATING SITUATIONS A. Tentative Rates Tentative rates are applied when producers are unable to provide all required underwriting information necessary to rate the policy. Tentatively rated policies cannot be endorsed to increase coverage limits or renewed for another policy term until required actuarial rating information and full premium payment are received by the NFIP. If a loss occurs on a tentatively rated policy, the loss payment will be limited by the amount of coverage that the premium initially submitted will purchase (using the correct actuarial rating information), and not the amount requested by application. B. Submit-For-Rate Some risks, because of their unique underwriting characteristics, cannot be rated using this manual. Certain risks must be submitted to the NFIP Underwriting Unit to determine the appropriate rate. Refer to page GR 9 for the applicable waiting period. Submit-for-rate policies must be rerated annually using the newest rates. If the NFIP Direct or WYO company does not have all the underwriting information, it must request the missing information from the insured in order to properly rate the risk. Pre-FIRM risks may not be rated using the submit-for-rate process. C. Provisional Rates Rules applicable to provisionally rated policies are provided in the Provisional Rating section of this manual. D. Buildings in More Than One Flood Zone Buildings, not the land, located in more than one flood zone must be rated using the more hazardous zone. This condition applies even though the portion of the building located in the more hazardous zone may not be covered under the SFIP, such as a deck. XI. MISCELLANEOUS RULES A. Policy Term The policy term available is 1 year for both NFIP Direct business policies and policies written through WYO Companies. GR 11 May 1, 2006 B. Application Submission Flood insurance applications and presentment of premium must be mailed promptly to the NFIP. The date of receipt of premium for the NFIP insurer is determined by either the date received at its offices or the date of certified mail. In the context of submission of applications, endorsements, and premiums to the NFIP, the term “certified mail” has been broadened to include not only the U.S. Postal Service but also certain third-party delivery services. For details, see the paragraph following VIII.B.2. on page GR 8. Producers are encouraged to submit flood insurance applications by certified mail. Certified mail ensures the earliest possible effective date if the application and premium are received by the NFIP insurer more than 10 days from the application date. The date of certification becomes the date of receipt at the NFIP. C. Delivery of the Policy The producer is responsible for delivering the declarations page and the policy contract of a new policy to the insured and, if appropriate, to the lender. Renewal policy documentation is sent directly to the insured. D. Assignment A property owner's flood insurance building policy may be assigned in writing to a purchaser of the insured property upon transfer of title without the written consent of the NFIP. Policies on buildings in the course of construction and policies insuring contents only may not be assigned. E. Producers' Commissions (Direct Business Only) The earned commission may be paid only to property or casualty insurance producers duly licensed by a state insurance regulatory authority. It shall not be less than $10 and is computed for both new and renewal policies as follows: Based on the Total Prepaid Amount (less the Federal Policy Fee) for the policy term, the commission will be 15 percent of the first $2,000 of annualized premium and 5 percent on the excess of $2,000. Calculated commissions for mid-term endorsements and cancellation transactions will be based upon the same commission percentage that was paid at the policy term's inception. Commissions for all Scheduled Building Policies are computed as though each building and contents policy was separately written. For calculation of commission on an RCBAP, see the CONDO section. GR 12 May 1, 2006 RATING This section contains information, including rate tables, required to accurately rate a flood insurance policy. Information and rates for the Preferred Risk Policy (PRP) and Residential Condominium Building Association Policy (RCBAP) are found in their respective sections. The detailed drawings, and accompanying text and tables, in the Lowest Floor Guide section are to be used as a guide for identifying the lowest floor for rating buildings. This guide will assist in developing the proper rate for the building. I. AMOUNT OF INSURANCE AVAILABLE Examples of some rating situations are shown on pages RATE 47 through RATE 61. A premium table for single family Pre-FIRM buildings located in Special Flood Hazard Areas (SFHAs) is located on page RATE 11. These premiums were calculated using Rate Table 2. This premium table is included in this manual to help the agent more easily quote premiums for buildings that do not require elevation certification. BUILDING COVERAGE Single Family Dwelling 2-4 Family Dwelling Other Residential Non-Residential EMERGENCY PROGRAM REGULAR PROGRAM Basic Insurance Limits Additional Insurance Limits Total Insurance Limits $ 35,000 * $ 35,000 * $100,000** $100,000** $ 50,000 $ 50,000 $150,000 $150,000 $200,000 $200,000 $100,000 $350,000 $250,000 $250,000 $250,000 $500,000 CONTENTS COVERAGE Residential Non-Residential $ 10,000 $100,000 $ 20,000 $130,000 $ 80,000 $370,000 $100,000 $500,000 * In Alaska, Guam, Hawaii, and U.S. Virgin Islands, the amount available is $50,000. ** In Alaska, Guam, Hawaii, and U.S. Virgin Islands, the amount available is $150,000. NOTE: For RCBAP, refer to CONDO Section for basic insurance limits and maximum coverage available. II. RATE TABLES Rate tables are provided for the Emergency $100 of coverage. Table 6 provides Program and for the Regular Program according precalculated Pre-FIRM premiums for various to Pre-FIRM, Post-FIRM, and zone coverage limits. See Table 7 for Federal Policy classifications. Tables 1-5 show annual rates per Fee and Probation Surcharge. TABLE 1. EMERGENCY PROGRAM RATES ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) Building Contents Residential .76 .96 Non-Residential .83 1.62 RATE 1 May 1, 2005 TABLE 2. REGULAR PROGRAM -- PRE-FIRM CONSTRUCTION RATES1 ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) FIRM ZONES A, AE, A1-A30, AO, AH, D OCCUPANCY Single Family 2-4 Family Other Residential Non-Residential No Basement/Enclosure Building .76 / .40 Contents .96 / .72 Building .76 / .40 Contents .96 / .60 .96 / .72 .96 / .72 Building .76 / .83 .76 / .69 .81 / .88 Contents .96 / .60 .96 / .72 .96 / .72 Building .83 / .71 .88 / .69 .88 / .88 .83 / .71 Contents 1.62 / 1.20 1.62 / 1.44 1.62 / .63 With Basement With Enclosure Manufactured (Mobile) Home2 Basement & Above Enclosure & Above Lowest Floor Only - Above Ground Level .81 / .59 .81 / .71 .76 / .40 .96 / .60 .96 / .72 .96 / .72 .81 / .59 .81 / .71 Lowest Floor Above Ground Level and Higher Floors Above Ground Level - More than One Full Floor Manufactured (Mobile) Home2 .96 / .49 .35 / .12 .96 / .49 .35 / .12 1.62 / .53 .24 / .12 1.62 / .63 FIRM ZONES V, VE, V1-V30 OCCUPANCY Single Family 2-4 Family Other Residential Non-Residential No Basement/Enclosure Building .99 / 1.03 Contents 1.23 / 1.79 Building .99 / 1.03 Contents 1.23 / 1.50 1.23 / 1.79 1.23 / 1.79 Building .99 / 1.93 1.06 / 2.89 1.06 / 3.23 Contents 1.23 / 1.50 1.23 / 1.79 1.23 / 1.79 Building 1.10 / 1.93 1.16 / 2.89 1.16 / 3.231.10 / 7.92 Contents 2.14 / 3.43 2.14 / 3.70 2.14 / 3.09 With Basement With Enclosure Manufactured (Mobile) Home2 Basement & Above Enclosure & Above Lowest Floor Only - Above Ground Level 1.06 / 1.55 1.06 / 1.83 .99 / 4.76 1.23 / 1.50 1.23 / 1.79 1.23 / 1.79 1.06 / 1.55 1.06 / 1.83 Lowest Floor Above Ground Level and Higher Floors Above Ground Level - More than One Full Floor Manufactured (Mobile) Home2 1.23 / 1.57 .47 / .29 1.23 / 1.57 .47 / .29 2.14 / 2.65 .45 / .39 2.14 / 7.44 FIRM ZONES A99, B, C, X OCCUPANCY Single Family 2-4 Family Other Residential Non-Residential No Basement/Enclosure Building .64 / .17 Contents .99 / .30 Building .64 / .17 Contents Building .61 / .17 .78 / .24 .78 / .28 Contents Building .61 / .17 .78 / .24 .78 / .28 .78 / .32 Contents With Basement With Enclosure Manufactured (Mobile) Home2 .73 / .24 .73 / .28 .64 / .31 1.12 / .35 1.12 / .40 .99 / .30 .73 / .24 .73 / .28 Basement & Above Enclosure & Above Lowest Floor Only - Above Ground Level 1.26 / .46 1.26 / .53 .99 / .48 1.26 / .46 1.26 / .53 .99 / .48 1.30 / .50 1.30 / .60 .80 / .35 Lowest Floor Above Ground Level and Higher Floors Above Ground Level - More than One Full Floor Manufactured (Mobile) Home2 .99 / .30 .35 / .12 .99 / .30 .35 / .12 .80 / .25 .22 / .12 .70 / .43 Start of construction or substantial improvement on or before 12/31/74, or before the effective date of the initial Flood Insurance Rate Map (FIRM). If FIRM Zone is unknown, use rates for Zones A, AE, A1-A30, AO, AH, D. 2 The definition of Manufactured (Mobile) Home includes travel trailers. See page APP 3. RATE 2 May 1, 2006 TABLE 3A. REGULAR PROGRAM -- POST-FIRM CONSTRUCTION RATES ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) FIRM ZONES A99, B, C, X OCCUPANCY Single Family 2-4 Family Other Residential Non-Residential Building Contents Building Contents Building Contents Building Contents No Basement/Enclosure .64 / .17 .99 / .30 .64 / .17 .61 / .17 .61 / .17 With Basement .73 / .24 1.12 / .35 .73 / .24 .78 / .24 .78 / .24 With Enclosure .73 / .28 1.12 / .40 .73 / .28 .78 / .28 .78 / .28 Manufactured (Mobile) Home1 .64 / .31 .99 / .30 .78 / .32 Basement & Above 1.26 / .46 1.26 / .46 1.30 / .50 Enclosure & Above 1.26 / .53 1.26 / .53 1.30 / .60 Lowest Floor Only - Above Ground Level .99 / .48 .99 / .48 .80 / .35 Lowest Floor Above Ground Level and Higher Floors .99 / .30 .99 / .30 .80 / .25 Above Ground Level - More than One Full Floor .35 / .12 .35 / .12 .22 / .12 Manufactured (Mobile) Home1 .70 / .43 FIRM ZONE D OCCUPANCY Single Family 2-4 Family Other Residential Non-Residential Building Contents Building Contents Building Contents Building Contents No Basement/Enclosure .92 / .32 .92 / .57 .92 / .32 1.00 / .57 1.00 / .57 With Basement *** *** *** *** *** With Enclosure *** *** *** *** *** Manufactured (Mobile) Home1 1.21 / .62 1.09 / .66 2.07 / .77 Basement & Above *** *** *** Enclosure & Above *** *** *** Lowest Floor Only - Above Ground Level .92 / .57 .92 / .57 1.62 / .52 Lowest Floor Above Ground Level and Higher Floors .92 / .39 .92 / .39 1.62 / .49 Above Ground Level - More than One Full Floor .35 / .12 .35 / .12 .24 / .12 Manufactured (Mobile) Home1 1.62 / .52 FIRM ZONES AO, AH ("No Basement" Buildings Only)2 Building Contents OCCUPANCY 1-4 Family Other Res & Non-Res Residential Non- Residential With Certification of Compliance3 .25 / .06 .21 / .06 .34 / .11 .21 / .11 Without Certification of Compliance or Elevation Certificate4 .77 / .17 .84 / .30 .97 / .20 1.63 / .25 1 The definition of Manufactured (Mobile) Home includes travel trailers. See page APP 3. 2 Zones AO, AH Buildings With Basement/Enclosure: Submit for Rating 3 “With Certification of Compliance” rates are to be used when the Elevation Certificate shows that the lowest floor is equal to or greater than the community's elevation requirement. 4 “Without Certification of Compliance” rates are to be used only on Post-FIRM structures without an Elevation Certificate or when the Elevation Certificate shows that the lowest floor elevation of a Post-FIRM structure is less than the community’s elevation requirement. *** SUBMIT FOR RATING RATE 3 May 1, 2006 TABLE 3B. REGULAR PROGRAM -- POST-FIRM CONSTRUCTION RATES ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) FIRM ZONES AE, A1-A30 --BUILDING RATES Elevation of Lowest Floor Above or Below BFE1 One Floor, No Basement/Encl More than One Floor, No Basement/Encl More than One Floor, With Basement/Encl Manufactured (Mobile) Home2 1-4 Family Other Residential & Non- Residential 1-4 Family Other Residential & Non- Residential 1-4 Family Other Residential & Non- Residential Single Family Non- Residential +4 .24 / .08 .20 / .08 .24 / .08 .20 / .08 .24/ .08 .20 / .08 .24 / .08 .20 / .08 +3 .24 / .08 .20 / .08 .24 / .08 .20 / .08 .24 / .08 .20 / .08 .25 / .08 .22 / .08 +2 .32 / .08 .26 / .08 .24 / .08 .20 / .08 .24 / .08 .20 / .08 .34 / .08 .28 / .08 +1 .61 / .08 .45 / .10 .38 / .08 .28 / .08 .29 / .08 .22 / .08 .77 / .09 .72 / .08 0 1.19./ .09 1.07 / .20 .85 / .08 .65 / .16 .62 / .08 .52 / .16 1.84 / .09 1.71 / .08 -13 3.00 / 1.10 4.24 / 1.35 2.64 / 1.00 3.30 / .62 1.50 / .55 1.53 / .67 *** *** -2 *** *** *** *** *** *** *** *** FIRM ZONES AE, A1-A30 -- CONTENTS RATES Elevation of Lowest Floor Lowest Floor Only -Above Ground Level (No Basement/Encl.) Lowest Floor Above Ground Level & Higher Floors (No Basement/Encl.) More than One Floor With Basement/Enclosure Manufactured (Mobile) Home2 Above or Below BFE1 Residential Non- Residential Residential Non- Residential Residential Non- Residential Single Family Non- Residential +4 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .12 +3 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .12 +2 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .31 / .14 +1 .50 / .12 .30 / .18 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .59 / .12 .48 / .20 0 1.10 / .12 .68 / .40 .65 / .12 .48 / .25 .40 / .12 .29 / .12 1.21 / .12 1.01 / .64 -13 3.07 / .75 1.94 / 1.14 1.78 / .58 1.37 / .70 .48 / .12 1.06 / .12 *** *** -2 *** *** *** *** *** *** *** *** FIRM ZONES AE, A1-A30 -- CONTENTS RATES Elevation of Lowest Floor Above Ground Level More than One Full Floor Above or Below BFE1 Single Family 2-4 Family Other Residential Non-Residential +4 .35 / .12 .35 / .12 .22 / .12 +3 .35 / .12 .35 / .12 .22 / .12 +2 .35 / .12 .35 / .12 .22 / .12 +1 .35 / .12 .35 / .12 .22 / .12 0 .35 / .12 .35 / .12 .22 / .12 -1 .35 / .12 .35 / .12 .22 / .12 -2 .35 / .12 .37 / .12 .24 / .12 1 If Lowest Floor is –1 because of attached garage, submit application for special consideration. Rate may be lower. 2 The definition of Manufactured (Mobile) Home includes travel trailers. See page APP 3. 3 Use Submit-for-Rate guidelines if the enclosure below the lowest elevated floor of an elevated building or if the crawl space (under-floor space) that has its interior floor within 2 feet below grade on all sides, which is used for rating, is 1 or more feet below BFE. *** SUBMIT FOR RATING RATE 4 May 1, 2006 TABLE 3C. REGULAR PROGRAM -- POST-FIRM CONSTRUCTION RATES ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) UNNUMBERED ZONE A -- WITHOUT BASEMENT/ENCLOSURE1 Elevation Difference to nearest foot BUILDING RATES CONTENTS RATES TYPE OF ELEVATION CERTIFICATE Occupancy Occupancy 1-4 Family Other & Non- Residential Residential2 NonResidential2 +5 or more .36 / .10 .48 / .15 .62 / .12 .65 / .12 NO ESTIMATED BASE FLOOD ELEVATION3 +2 to +4 .88 / .12 .91 / .20 .82 / .17 .89 / .23 +1 1.72 / .59 1.94 / .75 1.40 / .63 1.33 / .72 0 or below *** *** *** *** +2 or more .32 / .08 .34 / .09 .50 / .12 .49 / .12 WITH THE ESTIMATED BASE FLOOD ELEVATION4 0 to +1 .85 / .10 .74 / .18 .72 / .15 .76 / .21 -1 2.75 / 1.05 3.49 / 1.02 2.08 / .67 1.84 / 1.02 -2 or below *** *** *** *** No Elevation Certificate5 3.22 / 1.32 4.36 / 1.70 2.61 / 1.00 2.74 / 1.35 No Elevation Certificate 1 Zone A building with basement (including crawl space below grade on all sides) or enclosure --Submit for Rating. 2 For elevation rated risks other than Single Family, when contents are located one floor or more above lowest floor used for rating --use .35 /.12. 3 Elevation difference is the measured distance between the highest adjacent grade next to the building and the lowest floor of the building. 4 Elevation difference is the measured distance between the estimated BFE provided by the community or registered professional engineer, surveyor, or architect and the lowest floor of the building. 5 For building without basement or enclosure, Elevation Certificate is optional. *** SUBMIT FOR RATING RATE 5 May 1, 2006 TABLE 3D. REGULAR PROGRAM -- POST-FIRM CONSTRUCTION RATES ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) FIRM ZONES '75-81, V1-V30, VE -- BUILDING RATES1 Elevation of Lowest Floor Above or Below BFE One Floor, No Basement/Encl More than One Floor, No Basement/Encl More than One Floor, With Basement/Encl Manufactured (Mobile) Home2 1-4 Family Other Residential & Non- Residential 1-4 Family Other Residential & Non- Residential 1-4 Family Other Residential & Non- Residential Single Family Non- Residential 03 2.09 / .38 2.53 / 0.98 1.69 / .38 1.83 / .92 1.47 / .38 1.64 / .74 3.13 / .31 4.48 / .28 -14 4.47 / 2.29 6.66 / 3.67 4.09 / 2.29 5.74 / 2.79 2.90 / 2.07 3.03 / 2.83 *** *** -2 *** *** *** *** *** *** *** *** FIRM ZONES '75-81, V1-V30, VE -- CONTENTS RATES Elevation of Lowest Floor Only -- Above Ground Level (No Basement/Encl.) Lowest Floor Above Ground Level & Higher Floors (No Basement/Encl.) More than One Floor With Basement/Enclosure Manufactured (Mobile) Home2 Lowest Floor Above or Below BFE Residential Non- Residential Residential Non- Residential Residential Non- Residential Single Family Non- Residential 03 3.24 / .45 2.86 / 2.10 2.11 / .50 2.00 / 1.25 1.19 / .55 1.19 / .55 3.12 / .50 3.25 / 2.68 -14 7.12 / 3.46 6.99 / 6.09 4.20 / 2.68 4.79 / 3.80 1.40 / .55 4.27 / .55 *** *** -2 *** *** *** *** *** *** *** *** FIRM ZONES '75-81, V1-V30, VE -- CONTENTS RATES Elevation of Lowest Floor Above Ground Level More than One Full Floor Above or Below BFE Single Family 2-4 Family Other Residential Non-Residential 03 .55 / .25 .55 / .25 .42 / .25 -14 .55 / .25 .55 / .25 .42 / .25 -2 .55 / .25 .55 / .25 .46 / .25 1 Policies for 1975 through 1981 Post-FIRM and Pre-FIRM buildings in Zones VE and V1-V30 will be allowed to use the Post-’81 V Zone rate table if the rates are more favorable to the insured. See instructions on page RATE 23 for V Zone Optional Rating. 2 The definition of Manufactured (Mobile) Home includes travel trailers. See page APP 3. 3 These rates are to be used if the lowest floor of the building is at or above BFE. 4 Use Submit-for-Rate guidelines if the enclosure below the lowest elevated floor of an elevated building, which is used for rating, is 1 or more feet below BFE. *** SUBMIT FOR RATING FIRM ZONES '75-'81, UNNUMBERED V ZONE SUBMIT FOR RATING RATE 6 May 1, 2006 TABLE 3E. REGULAR PROGRAM -- POST-FIRM CONSTRUCTION RATES ANNUAL RATES PER $100 OF COVERAGE 1981 POST-FIRM V1-V30, VE ZONE RATES1 Elevation of the lowest floor Elevated Buildings Free of Obstruction3 above or below BFE adjusted for wave height2 Contents Building Residential Non-Residential Replacement Cost Ratio .75 or More4 Replacement Cost Ratio .50 to .744 Replacement Cost Ratio Under .504 +4 or more .31 .31 .51 .68 1.03 +3 .31 .31 .62 .83 1.25 +2 .45 .48 .81 1.08 1.62 +1 .79 .84 1.17 1.56 2.18 0 1.21 1.30 1.50 2.01 2.82 -1 1.75 1.81 1.98 2.61 3.39 -2 2.44 2.57 2.60 3.41 4.35 -3 3.35 3.56 3.35 4.48 5.68 -4 or below *** *** *** *** *** 1Policies for 1975 through 1981 Post-FIRM and Pre-FIRM buildings in Zones VE and V1-V30 will be allowed to use the Post-’81 V Zone rate table if the rates are more favorable to the insured. See instructions on page RATE 23 for V Zone Optional Rating. 2Wave height adjustment is not required in those cases where the Flood Insurance Rate Map indicates that the map includes wave height. 3Free of Obstruction—The space below the lowest elevated floor must be completely free of obstructions or any attachment to the building, or may have: (1) Insect screening, provided that no additional supports are required for the screening; or (2) Wooden or plastic lattice with at least 40 percent of its area open and made of material no thicker than ½ inch; or (3) Wooden or plastic slats or shutters with at least 40 percent of their area open and made of material no thicker than 1 inch. Any of these systems must be designed and installed to collapse under stress without jeopardizing the structural support of the building, so that the impact on the building of abnormally high tides or wind-driven water is minimized. Any machinery or equipment below the lowest elevated floor must be at or above the BFE. 4These percentages represent building replacement cost ratios, which are determined by dividing the amount of building coverage being purchased by the replacement cost. See page RATE 20 for more details. *** SUBMIT FOR RATING 1981 POST-FIRM V1-V30, VE ZONE Non-Elevated Buildings SUBMIT FOR RATING 1981 POST-FIRM UNNUMBERED V ZONE SUBMIT FOR RATING RATE 7 May 1, 2006 TABLE 3F. REGULAR PROGRAM -- POST-FIRM CONSTRUCTION RATES ANNUAL RATES PER $100 OF COVERAGE 1981 POST-FIRM V1-V30, VE ZONE RATES1,2 Elevation of the lowest floor above or below BFE adjusted for wave height3 Elevated Buildings With Obstruction4 Contents Building Residential Non-Residential Replacement Cost Ratio .75 or More5 Replacement Cost Ratio .50 to .745 Replacement Cost Ratio Under .505 +4 or more .41 .41 1.13 1.52 2.26 +3 .42 .42 1.27 1.67 2.55 +2 .54 .54 1.49 1.94 2.97 +1 .92 .97 1.73 2.32 3.35 0 1.31 1.38 2.03 2.79 3.78 -16 1.81 1.92 2.42 3.21 4.32 -26 2.52 2.68 3.01 3.95 5.13 -36 3.43 3.65 3.87 5.03 6.48 -4 or below6 *** *** *** *** *** 1 Policies for 1975 through 1981 Post-FIRM and Pre-FIRM buildings in Zones VE and V1-V30 will be allowed to use the Post-’81 V Zone rate table if the rates are more favorable to the insured. See instructions on page RATE 23 for V Zone Optional Rating. 2 Rates provided are only for elevated buildings, except those elevated on solid perimeter foundation walls. For buildings elevated on solid perimeter foundation walls, and for non-elevated buildings, use the Specific Rating Guidelines document. 3 Wave height adjustment is not required in those cases where the Flood Insurance Rate Map indicates that the map includes wave height. 4 With Obstruction—The space below has an area of less than 300 square feet with breakaway solid walls or contains equipment below the BFE. If the space below has an area of 300 square feet or more, or if any portion of the space below the elevated floor is enclosed with non-breakaway walls, submit for rating. If the enclosure is at or above the BFE, use the “Free of Obstruction” rate table on the preceding page. The elevation of the bottom enclosure floor is the lowest floor for rating (LFE). 5 These percentages represent building replacement cost ratios, which are determined by dividing the amount of building coverage being purchased by the replacement cost. See page RATE 20 for more details. 6 For buildings with obstruction, use Submit-for-Rate guidelines if the enclosure below the lowest elevated floor of an elevated building, which is used for rating, is 1 or more feet below BFE. *** SUBMIT FOR RATING 1981 POST-FIRM UNNUMBERED V ZONE SUBMIT FOR RATING RATE 8 May 1, 2006 TABLE 4. REGULAR PROGRAM -- FIRM ZONE AR AND AR DUAL ZONES RATES ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) PRE-FIRM NOT ELEVATION-RATED RATES1, 2 OCCUPANCY Single Family 2-4 Family Other Residential Non-Residential Building Contents Building Contents Building Contents Building Contents No Basement/Enclosure .64 / .17 .99 / .30 .64 / .17 .61 / .17 .61 / .17 With Basement .73 / .24 1.12 / .35 .73 / .24 .78 / .24 .78 / .24 With Enclosure .73 / .28 1.12 / .40 .73 / .28 .78 / .28 .78 / .28BUILDING TYPE Manufactured (Mobile) Home3 .64 / .31 .99 / .30 .78 / .32 Basement & Above 1.26 / .46 1.26 / .46 1.30 / .50 Enclosure & Above 1.26 / .53 1.26 / .53 1.30 / .60 Lowest Floor Only - Above Ground Level .99 / .48 .99 / .48 .80 / .35 Lowest Floor Above Ground Level and Higher Floors .99 / .30 .99 / .30 .80 / .25CONTENTS LOCATIONAbove Ground Level - More than One Full Floor .35 / .12 .35 / .12 .22 / .12 Manufactured (Mobile) Home3 .70 / .43 1 Start of construction or substantial improvement on or before 12/31/74, or before the effective date of the initial Flood Insurance Rate Map (FIRM). 2 Base Deductible is $1,000. 3 The definition of Manufactured (Mobile) Home includes travel trailers. See Page APP 3. POST-FIRM NOT ELEVATION-RATED RATES1 OCCUPANCY Single Family 2-4 Family Other Residential Non-Residential Building Contents Building Contents Building Contents Building Contents No Basement/Enclosure .64 / .17 .99 / .30 .64 / .17 .61 / .17 .61 / .17 With Basement .73 / .24 1.12 / .35 .73 / .24 .78 / .24 .78 / .24 With Enclosure .73 / .28 1.12 / .40 .73 / .28 .78 / .28 .78 / .28BUILDING TYPE Manufactured (Mobile) Home2 .64 / .31 .99 / .30 .78 / .32 Basement & Above 1.26 / .46 1.26 / .46 1.30 / .50 Enclosure & Above 1.26 / .53 1.26 / .53 1.30 / .60 Lowest Floor Only - Above Ground Level .99 / .48 .99 / .48 .80 / .35 Lowest Floor Above Ground Level and Higher Floors .99 / .30 .99 / .30 .80 / .25CONTENTS LOCATIONAbove Ground Level - More than One Full Floor .35 / .12 .35 / .12 .22 / .12 Manufactured (Mobile) Home2 .70 / .43 1 Base Deductible is $500. 2 The definition of Manufactured (Mobile) Home includes travel trailers. See page APP 3. RATE 9 May 1, 2006 TABLE 5. REGULAR PROGRAM -- PRE-FIRM AND POST-FIRM ELEVATION-RATED RATES ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) FIRM ZONES AR and AR Dual Zones --BUILDING RATES Elevation of Lowest Floor Above or Below BFE One Floor, No Basement/Encl More than One Floor, No Basement/Encl More than One Floor, With Basement/Encl Manufactured (Mobile) Home1 1-4 Family Other Residential & Non- Residential 1-4 Family Other Residential & Non- Residential 1-4 Family Other Residential & Non- Residential Single Family Non- Residential +4 .24 / .08 .20 / .08 .24 / .08 .20 / .08 .24 / .08 .20 / .08 .24 / .08 .20 / .08 +3 .24 / .08 .20 / .08 .24 / .08 .20 / .08 .24 / .08 .20 / .08 .25 / .08 .22 / .08 +2 .32 / .08 .26 / .08 .24 / .08 .20 / .08 .24 / .08 .20 / .08 .34 / .08 .28 / .08 +1 .61 / .08 .45 / .10 .38 / .08 .28 / .08 .29 / .08 .22 / .08 .64 / .09 .72 / .08 0 .64 / .17 .61 / .17 .64 / .17 .61 / .17 .62 / .08 .52 / .16 .64 / .31 .78 / .32 -12 See Footnote2 FIRM ZONES AR and AR Dual Zones --CONTENTS RATES Elevation of Lowest Floor Lowest Floor Only -Above Ground Level (No Basement/Encl.) Lowest Floor Above Ground Level & Higher Floors (No Basement/Encl.) More than One Floor With Basement/Enclosure Manufactured (Mobile) Home1 Above or Below BFE Residential Non- Residential Residential Non- Residential Residential Non- Residential Single Family Non- Residential +4 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .12 +3 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .12 +2 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .31 / .14 +1 .50 / .12 .30 / .18 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .59 / .12 .48 / .20 0 1.10 / .12 .80 / .29 .65 / .12 .48 / .25 .40 / .12 .29 / .12 .99 / .30 .70 / .43 -12 See Footnote2 FIRM ZONES AR and AR Dual Zones -- CONTENTS RATES Elevation of Lowest Floor Above or Above Ground Level More than One Full Floor Below BFE Single Family 2-4 Family Other Residential Non-Residential +4 .35 / .12 .35 / .12 .22 / .12 +3 .35 / .12 .35 / .12 .22 / .12 +2 .35 / .12 .35 / .12 .22 / .12 +1 .35 / .12 .35 / .12 .22 / .12 0 .35 / .12 .35 / .12 .22 / .12 -13 .35 / .12 .35 / .12 .22 / .12 -23 .35 / .12 .37 / .12 .24 / .12 1 The definition of Manufactured (Mobile) Home includes travel trailers. See page APP 3. 2 Use Table 4 Pre-FIRM and Post-FIRM Not Elevation-Rated AR and AR Dual Zones Rate Table. 3 These rates are only applicable to Contents-only policies. RATE 10 May 1, 2006 TABLE 6. PRECALCULATED PRE-FIRM PREMIUM TABLE PREMIUM1 EXCLUDING ICC2 AND FEDERAL POLICY FEE3 A, AE, A1-A30, AH, AO, D V, VE, V1-V30 AMOUNT OF INSURANCE w/bsmt w/o bsmt w/bsmt w/o bsmt BUILDING $ 20,000 $ 162 $ 152 $ 212 $ 198 $ 30,000 $ 243 $ 228 $ 318 $ 297 $ 40,000 $ 324 $ 304 $ 424 $ 396 $ 50,000 $ 405 $ 380 $ 530 $ 495 $ 60,000 $ 464 $ 420 $ 685 $ 598 $ 70,000 $ 523 $ 460 $ 846 $ 701 $ 80,000 $ 582 $ 500 $ 995 $ 804 $ 90,000 $ 641 $ 540 $1,150 $ 907 $100,000 $ 700 $ 580 $1,305 $1,010 $125,000 $ 848 $ 680 $1,696 $1,268 $150,000 $ 995 $ 780 $2,080 $1,525 $175,000 $1,143 $ 880 $2,468 $1,783 $200,000 $1,290 $ 980 $2,855 $2,040 $225,000 $1,438 $1,080 $3,243 $2,298 $250,0004 $1,585 $1,180 $3,630 $2,555 CONTENTS $ 5,000 $ 48 $ 48 $ 62 $ 62 $ 10,000 $ 96 $ 96 $ 123 $ 123 $ 15,000 $144 $144 $ 185 $ 185 $ 20,000 $192 $192 $ 246 $ 246 $ 25,000 $222 $228 $ 321 $ 336 $ 30,000 $252 $264 $ 396 $ 425 $ 40,000 $312 $336 $ 546 $ 604 $ 50,000 $372 $408 $ 696 $ 783 $ 60,000 $432 $480 $ 846 $ 962 $ 70,000 $492 $552 $ 996 $1,141 $ 80,000 $552 $624 $1,146 $1,320 $ 90,000 $612 $696 $1,296 $1,499 $100,000 $672 $768 $1,446 $1,678 1 Premium before applying any CRS credits or optional deductible factors. 2 For building coverage amounts of $230,000 and less, add $75 to the building premium selected from the table above to cover ICC cost, except for D zones. For D zones add $6. For building coverage amounts above $230,000, see Footnote 4 below. 3 Add $30 to the premium selected from the table above to cover Federal Policy Fee. 4 Add $60 to cover the ICC cost for the $250,000 building limit, except for D zones. For D zones add $4. RATE 11 May 1, 2006 TABLE 7. FEDERAL POLICY FEE AND PROBATION SURCHARGE TABLE FEDERAL POLICY FEE1 PROBATION SURCHARGE $30 $50 1 For the Preferred Risk Policy, the Federal Policy Fee is $11.00. III. DEDUCTIBLES As shown in Table 8A below, the NFIP standard deductible is either $500 or $1,000. The insured may choose a deductible amount different from the standard $500 for Post-FIRM or the standard $1,000 for structures in the Emergency Program and those rated using Pre-FIRM rates in Zones A, AO, AH, A1-A30, AE, VO, V1-V30, VE, V, AR, and AR Dual Zones (AR/AE, AR/AH, AR/AO, AR/A1-A30, AR/A). The optional deductible amount may be applied to policies insuring properties in either Emergency Program or Regular Program communities. Refer to page CONDO 22 for Residential Condominium Building Association Policy optional deductibles. A. Buy-Back Deductibles Policyholders who wish to reduce their deductibles from the standard deductibles of $1,000 for Pre-FIRM SFHA risks may opt to purchase separate $500 deductibles for building and contents coverages, for an additional premium. The deductible factors provided on pages RATE 13 and CONDO 22 must be used to calculate the deductible surcharge. B. Changes in Deductible Amount The amount of the deductible may be increased during the policy term by submitting a completed General Change Endorsement form. The deductible amount may be reduced through the submission of a new Application at the time of renewal. This procedure does not require the completion of the entire Flood Insurance Application. Deductibles cannot be reduced midterm unless required by the mortgagee and written authorization is provided by the mortgagee. A 30-day waiting period will be applied to reduce the deductible. TABLE 8A. STANDARD DEDUCTIBLES EMERGENCY PROGRAM REGULAR PROGRAM Flood Zone Pre-FIRM Pre-FIRM with Optional Post-FIRM Elevation Rating Post-FIRM $1,000 B, C, X, A99, D $500 $500 A, AO, AH, A1-A30, AE, VO, V1-V30, VE, V, AR, AR/AE, AR/AH, AR/AO, AR/A1-A30, AR/A $1,000 $500 $500 RATE 12 May 1, 2005 EXAMPLE 2 REGULAR PROGRAM, PRE-FIRM CONSTRUCTION, $2,000/$1,000 DEDUCTIBLE OPTION, ZONE B Data Essential To Determine Appropriate Rates and Premium: • Regular Program • Flood Zone: B • Occupancy: Single-Family Dwelling • # of Floors: 2 Floors • Basement/Enclosure: None • Deductible: $2,000/$1,000 • Deductible Factor: .915 • Contents Location: Lowest Floor Above Ground Level and Higher Floors • Date of Construction: Pre-FIRM • Elevation Difference: N/A • Flood Proofed Yes/No: No • Building Coverage: $150,000 • Contents Coverage: $60,000 • ICC Premium: $6 • CRS Rating: N/A • CRS Discount: N/A Determined Rates: Building: .64/.17 Contents: .99/.30 COVERAGE INSURANCE RATE BASIC LIMITS AMOUNT OF PREMIUM ANNUAL INSURANCE RATE ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) AMOUNT OF ANNUAL PREMIUM REDUCTION/ INCREASE DEDUCTIBLE PREM. AMOUNT OF INSURANCE BASIC AND ADDITIONAL TOTAL PREMIUM TOTAL BUILDING 50,000 .64 320 100,000 .17 170 -42 150,000 448 CONTENTS 20,000 .99 198 40,000 .30 120 -27 60,000 291 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT ANNUAL SUBTOTAL 739 . MANUAL . SUBMIT FOR RATING OPTION: ICC PREMIUM 6 . ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD SUBTOTAL 745 . MORTGAGE PORTFOLIO PROTECTION PROGRAM . OTHER: CRS PREMIUM DISCOUNT % . . PROVISIONAL RATING SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) SUBTOTAL 745 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND PROBATION SURCHARGE . THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER FEDERAL POLICY FEE 30 APPLICABLE FEDERAL LAW. TOTAL PREPAID AMOUNT 775 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $490 / Contents: $318 2. Apply Deductible Factor: Building: .915 x $490 = $448 / Contents: .915 x $318 = $291 3. Premium Reduction: Building: $490 - $448 = $42 / Contents: $318 - $291 = $27 4. Subtotal: $739 5. Add ICC Premium: $6 6. Subtract CRS Discount: N/A 7. Subtotal: $745 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $30 10. Total Prepaid Amount: $775 RATE 49 May 1, 2006 EXAMPLE 3 REGULAR PROGRAM, PRE-FIRM CONSTRUCTION, $500 DEDUCTIBLE OPTION (SURCHARGE), ZONE AE Data Essential To Determine Appropriate Rates and Premium: • Regular Program • Flood Zone: AE • Occupancy: Single-Family Dwelling • # of Floors: 2 Floors • Basement/Enclosure: Enclosure • Deductible: $500/$500 • Deductible Factor: 1.100 (Surcharge) • Contents Location: Enclosure and Above • Date of Construction: Pre-FIRM • Elevation Difference: N/A • Flood Proofed Yes/No: No • Building Coverage: $150,000 • Contents Coverage: $60,000 • ICC Premium: $75 • CRS Rating: N/A • CRS Discount: N/A Determined Rates: Building: .81/.71 Contents: .96/.72 COVERAGE BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM PREM. REDUCTION/ INCREASE TOTAL AMOUNT OF INSURANCE BUILDING 50,000 .81 405 100,000 .71 710 +112 150,000 1,227 CONTENTS 20,000 .96 192 40,000 .72 288 +48 60,000 528 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT ANNUAL SUBTOTAL 1,755 . MANUAL . SUBMIT FOR RATING OPTION: ICC PREMIUM 75 . ALTERNATIVE . V-ZONE RISK RATING FORM . MORTGAGE PORTFOLIO PROTECTION PROGRAM . CREDIT CARD . OTHER: SUBTOTAL CRS PREMIUM DISCOUNT % 1,830 . . PROVISIONAL RATING SUBTOTAL 1,830 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND PROBATION SURCHARGE . THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER FEDERAL POLICY FEE 30 APPLICABLE FEDERAL LAW. SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) TOTAL PREPAID AMOUNT 1,860 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $1,115 / Contents: $480 2. Apply Deductible Factor: Building: 1.100 x $1,115 = $1,227 / Contents: 1.100 x $480 = $528 3. Premium Increase: Building: $1,227 - $1,115 = $112 / Contents: $528 - $480 = $48 4. Subtotal: $1,755 5. Add ICC Premium: $75 6. Subtract CRS Discount: N/A 7. Subtotal: $1,830 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $30 10. Total Prepaid Amount: $1,860 RATE 50 May 1, 2006 EXAMPLE 4 REGULAR PROGRAM, PRE-FIRM CONSTRUCTION, $3,000/$2,000 DEDUCTIBLE OPTION, ZONE A15 Data Essential To Determine Appropriate Rates and Premium: • Regular Program • Flood Zone: A15 • Occupancy: Single-Family Dwelling • # of Floors: 3 Floors • Basement/Enclosure: Basement • Deductible: $3,000/$2,000 Building and Contents • Deductible Factor: .875 • Contents Location: Basement and Above • Date of Construction: Pre-FIRM • Elevation Difference: N/A • Flood Proofed Yes/No: No • Building Coverage: $250,000 • Contents Coverage: $100,000 • ICC Premium: $60 • CRS Rating: 4 • CRS Discount: 30% Determined Rates: Building: .81/.59 Contents: .96/.60 COVERAGE BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM PREM. REDUCTION/ INCREASE TOTAL AMOUNT OF INSURANCE BUILDING 50,000 .81 405 200,000 .59 1,180 -198 250,000 1,387 CONTENTS 20,000 .96 192 80,000 .60 480 -84 100,000 588 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT ANNUAL SUBTOTAL 1,975 . MANUAL . SUBMIT FOR RATING OPTION: ICC PREMIUM 60 . ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD SUBTOTAL 2,035 . MORTGAGE PORTFOLIO PROTECTION PROGRAM . OTHER: CRS PREMIUM DISCOUNT 30% -611 . PROVISIONAL RATING SUBTOTAL 1,424 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND PROBATION SURCHARGE . THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER FEDERAL POLICY FEE 30 APPLICABLE FEDERAL LAW. SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) TOTAL PREPAID AMOUNT 1,454 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $1,585 / Contents: $672 2. Apply Deductible Factor: Building: .875 x $1,585 = $1,387 / Contents: .875 x $672 = $588 3. Premium Reduction: Building: $1,585 - $1,387 = $198 / Contents: $672 - $588 = $84 4. Subtotal: $1,975 5. Add ICC Premium: $60 6. Subtract CRS Discount: -$611 (30%) 7. Subtotal: $1,424 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $30 10. Total Prepaid Amount: $1,454 RATE 51 May 1, 2006 EXAMPLE 5 REGULAR PROGRAM, POST-FIRM, ELEVATION RATED, $5,000/$5,000 DEDUCTIBLE OPTION, ZONE AE Data Essential To Determine Appropriate Rates and Premium: • Regular Program • Flood Zone: AE • Occupancy: Non-Residential • # of Floors: 2 Floors • Basement/Enclosure: None • Deductible: $5,000/$5,000 • Deductible Factor: .870 • Contents Location: Above Ground Level and Higher Floors • Date of Construction: Post-FIRM • Elevation Difference: +4 • Flood Proofed Yes/No: No • Building Coverage: $500,000 • Contents Coverage: $500,000 • ICC Premium: $4 • CRS Rating: 5 • CRS Discount: 25% Determined Rates: Building: .20/.08 Contents: .22/.12 COVERAGE BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM PREM. REDUCTION/ INCREASE TOTAL AMOUNT OF INSURANCE BUILDING 150,000 .20 300 350,000 .08 280 -75 500,000 505 CONTENTS 130,000 .22 286 370,000 .12 444 -95 500,000 635 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT ANNUAL SUBTOTAL 1,140 . MANUAL . SUBMIT FOR RATING OPTION: ICC PREMIUM 4 . ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD SUBTOTAL 1,144 . MORTGAGE PORTFOLIO PROTECTION PROGRAM . OTHER: CRS PREMIUM DISCOUNT 25% -286 . PROVISIONAL RATING SUBTOTAL 858 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND PROBATION SURCHARGE . THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER FEDERAL POLICY FEE 30 APPLICABLE FEDERAL LAW. SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) TOTAL PREPAID AMOUNT 888 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $580 / Contents: $730 2. Apply Deductible Factor: Building: .870 x $580 = $505 / Contents: .870 x $730 = $635 3. Premium Reduction: Building: $580 - $505 = $75 / Contents: $730 - $635 = $95 4. Subtotal: $1,140 5. Add ICC Premium: $4 6. Subtract CRS Discount: -$286 (25%) 7. Subtotal: $858 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $30 10. Total Prepaid Amount: $888 RATE 52 May 1, 2005 EXAMPLE 6 REGULAR PROGRAM, 1975-81 POST-FIRM V1-V30, ELEVATION RATED, ZONE V13 Data Essential To Determine Appropriate Rates and Premium: • Regular Program • Flood Zone: V13 • Occupancy: Single-Family Dwelling • # of Floors: 2 Floors • Basement/Enclosure: None • Deductible: $500/$500 • Deductible Factor: 1.000 • Contents Location: Lowest Floor Above Ground Level and Higher Floors • Date of Construction: 1975 - 81 (Post-FIRM) • Elevation Difference: +1 • Flood Proofed Yes/No: No • Building Coverage: $150,000 • Contents Coverage: $100,000 • ICC Premium: $35 • CRS Rating: 8 • CRS Discount: 10% Determined Rates: Building: 1.69/.38 Contents: 2.11/.50 COVERAGE BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM PREM. REDUCTION/ INCREASE TOTAL AMOUNT OF INSURANCE BUILDING 50,000 1.69 845 100,000 .38 380 0 150,000 1,225 CONTENTS 20,000 2.11 422 80,000 .50 400 0 100,000 822 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT ANNUAL SUBTOTAL 2,047 . MANUAL . SUBMIT FOR RATING OPTION: ICC PREMIUM 35 . ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD SUBTOTAL 2,082 . MORTGAGE PORTFOLIO PROTECTION PROGRAM . OTHER: CRS PREMIUM DISCOUNT 10% -208 . PROVISIONAL RATING SUBTOTAL 1,874 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND PROBATION SURCHARGE . THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER FEDERAL POLICY FEE 30 APPLICABLE FEDERAL LAW. SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) TOTAL PREPAID AMOUNT 1,904 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $1,225 / Contents: $822 2. Apply Deductible Factor: Building: 1.000 x $1,225 = $1,225 / Contents: 1.000 x $822 = $822 3. Premium Reduction/Increase: Building: $0 / Contents: $0 4. Subtotal: $2,047 5. Add ICC Premium: $35 6. Subtract CRS Discount: -$208 (10%) 7. Subtotal: $1,874 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $30 10. Total Prepaid Amount: $1,904 RATE 53 May 1, 2006 EXAMPLE 7 REGULAR PROGRAM, POST-1981 VE OR V1-V30, WITH ENCLOSURE, ZONE VE Data Essential To Determine Appropriate Rates and Premium: • Regular Program • Flood Zone: VE • Occupancy: Single-Family Dwelling • # of Floors: 3 or More Floors • Basement/Enclosure: Enclosure (< 300 sq. ft., w/o M&E) • Deductible: $3,000/$3,000 • Deductible Factor: .825 • Contents Location: Lowest Floor Above Ground Level and Higher Floors • Date of Construction: Post-81 • Elevation Difference: -1 • Flood Proofed Yes/No: No • Replacement Cost: $300,000 • Building Coverage: $250,000 • Contents Coverage: $100,000 • ICC Premium: $14 • CRS Rating: 9 • CRS Discount: 5% Determined Rates: Building: 2.42/2.42 Contents: 1.81/1.81 COVERAGE BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM PREM. REDUCTION/ INCREASE TOTAL AMOUNT OF INSURANCE BUILDING 50,000 2.42 1,120 200,000 2.42 4,840 -1,059 250,000 4,991 CONTENTS 20,000 1.81 362 80,000 1.81 1,448 -317 100,000 1,493 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT ANNUAL SUBTOTAL 6,484 . MANUAL . SUBMIT FOR RATING OPTION: ICC PREMIUM 14 . ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD SUBTOTAL 6,498 . MORTGAGE PORTFOLIO PROTECTION PROGRAM . OTHER: CRS PREMIUM DISCOUNT 5% -325 . PROVISIONAL RATING SUBTOTAL 6,173 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND PROBATION SURCHARGE . THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER FEDERAL POLICY FEE 30 APPLICABLE FEDERAL LAW. SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) TOTAL PREPAID AMOUNT 6,203 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $6,050 / Contents: $1,810 2. Apply Deductible Factor: Building: .825 x $6,050 = $4,991 / Contents: .825 x $1,810 = $1,493 3. Premium Reduction: Building: $6,050 - $4,991 = $1,059 / Contents: $1,810 - $1,493 = $317 4. Subtotal: $6,484 5. Add ICC Premium: $14 6. Subtract CRS Discount: -$325 (5%) 7. Subtotal: $6,173 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $30 10. Total Prepaid Amount: $6,203 RATE 54 May 1, 2006 TABLE 2. CONDOMINIUM RATING CHART (Cont’d) HIGH-RISE RESIDENTIAL CONDOMINIUMS MULTI-UNIT BUILDING.5 OR MORE UNITS PER BUILDING.THREE OR MORE FLOORS6 CONDO 5 May 1, 2005 PURCHASER OF POLICY Building Occupancy1 Building Indicator1 Contents Indicator2 Limits of Coverage Type of Coverage Rate Table3 Policy Form4 UNIT OWNER OTHER RESIDENTIAL SINGLE UNIT HOUSEHOLD BUILDING.$250,000 CONTENTS.$100,000 RC5 SINGLE FAMILY FOR BUILDING; OTHER RESIDENTIAL FOR CONTENTS DWELLING ASSOCIATION (SINGLE UNIT ONLY) OTHER RESIDENTIAL SINGLE UNIT HOUSEHOLD BUILDING.$250,000 CONTENTS.$100,000 RC5 SINGLE FAMILY FOR BUILDING; OTHER RESIDENTIAL FOR CONTENTS DWELLING ASSOCIATION (ENTIRE BUILDING) OTHER RESIDENTIAL HIGH-RISE HOUSEHOLD BUILDING.THE TOTAL NUMBER OF UNITS X $250,000 CONTENTS.$100,000 RC RCBAP HIGH-RISE RCBAP NON-RESIDENTIAL CONDOMINIUMS PURCHASER OF POLICY Building Occupancy1 Building Indicator1 Contents Indicator2 Limits of Coverage Type of Coverage Rate Table3 Policy Form4 UNIT OWNER NON-RESIDENTIAL SINGLE UNIT (BUILDING COVERAGE NOT AVAILABLE) BUSINESS EMERGENCY.$100,000 REGULAR.$500,000 CONTENTS ONLY ACV NON-RESIDENTIAL GENERAL PROPERTY ASSOCIATION NON-RESIDENTIAL LOW-RISE BUSINESS BUILDING. EMERGENCY.$100,000 REGULAR.$500,000 ACV NON-RESIDENTIAL GENERAL PROPERTY CONTENTS. EMERGENCY.$100,000 REGULAR.$500,000 1When there is a mixture of residential and commercial usage within a single building, please refer to the GR Section of the Flood Insurance Manual. 2In determining the contents indicator for “other than household contents,” please refer to the RATE Section of the Flood Insurance Manual. 3All building rates are based on the lowest floor of the building. 4RCBAP must be used to insure residential condominium buildings owned by the association that are in a Regular Program community and in which at least 75% of the total floor area within the building is residential. Use General Property Form if ineligible under RCBAP. 5Replacement Cost if the RC eligibility requirements are met (building only). 6Enclosure, even if it is the lowest floor for rating, cannot be counted as a floor for the purpose of classifying the building as a high rise. RESIDENTIAL CONDOMINIUM BUILDING ASSOCIATION POLICY II. POLICY FORM The policy form used for the residential condominium buildings owned by a condominium association is the Residential Condominium Building Association Policy (RCBAP). III. ELIGIBILITY REQUIREMENTS A. General Building Eligibility The RCBAP is required for all buildings owned by a condominium association containing one or more residential units and in which at least 75 percent of the total floor area within the building is residential without regard to the number of units or number of floors. This will include townhouse/rowhouse and detached single family condominium buildings. The RCBAP is available for all high-rise and low-rise residential condominium buildings in the Regular Program only. Residential condominium buildings that are being used as a hotel or motel, or are being rented (either short- or long-term), must be insured on the RCBAP. Only buildings having a condominium form of ownership are eligible for the RCBAP. Cooperative ownership buildings are not eligible. Timeshare buildings having condominium form of ownership in jurisdictions where title is vested in individual unit owners are eligible provided all other criteria are met. The NFIP has grouped condominium buildings into two different types, low- and high-rise, because of the difference in the exposures to the risk that typically exists. Low-rise buildings generally have a greater percentage of the value of the building at risk than high-rise buildings, thus requiring higher premiums for the first dollars of coverage. The availability of the optional deductibles for the low-rise buildings, however, allows the association to buy back some of the risk, thereby reducing the overall cost of the coverage. For rating purposes: • High-rise buildings contain five or more units and at least three floors excluding enclosure, even if it is the lowest floor for rating. • Low-rise buildings have less than five units regardless of the number of floors, or five or more units with less than three floors, including the basement. • Townhouse/rowhouse buildings are always considered as low-rise buildings for rating purposes, no matter how many units or floors they have. See the Definitions section for a complete definition of high-rise and low-rise buildings. The individual unit owners continue to have an option to purchase an SFIP Dwelling Form. B. Condominium Building in the Course of Construction The NFIP rules allow the issuance of an SFIP to cover a building in the course of construction before the building is walled and roofed. These rules provide lenders an option to require flood insurance coverage at the time that the development loan is made to comply with the mandatory purchase requirement outlined in the Flood Disaster Protection Act of 1973, as amended. The policy is issued and rated based on the construction designs and intended use of the building. In order for a condominium building in the course of construction to be eligible under the RCBAP form, the building must be owned by a condominium association, which the NFIP defines as the entity made up of the unit owners responsible for the maintenance and operation of: 1. common elements owned in undivided shares by unit owners; and 2. other real property in which the unit owners have use rights; where membership in the entity is a required condition of unit ownership. As noted on page GR 4, buildings in the course of construction that have yet to be walled and roofed are eligible for coverage except when construction has been halted for more than 90 days and/or if the lowest floor used for rating purposes is below the Base Flood Elevation (BFE). Materials or supplies intended for use in such construction, alteration, or repair are not insurable unless they are contained within an enclosed building on the premises or adjacent to the premises. IV. COVERAGE A. Property Covered The entire building is covered under one policy, including both the common as well as individually owned building elements within the units, CONDO 6 May 1, 2006 improvements within the units, and contents owned in common. Contents owned by individual unit owners should be insured under an individual unit owner's Dwelling Form. B. Coverage Limits Building coverage purchased under the RCBAP will be on a Replacement Cost basis. The maximum amount of building coverage that can be purchased on a high-rise or low-rise condominium is the Replacement Cost Value of the building or the total number of units in the condominium building times $250,000, whichever is less. The maximum allowable contents coverage is the Actual Cash Value of the commonly owned contents up to a maximum of $100,000 per building. Basic Limit Amount: • The building basic limit amount of insurance for a detached building housing a single family unit owned by the condominium association is $50,000. • For residential townhouse/rowhouse and low- rise condominiums, the building basic limit amount of insurance is $50,000 multiplied by the number of units in the building. • For high-rise condominiums, the building basic amount of insurance is $150,000. • The contents basic limit amount of insurance is $20,000. • For condominium unit owners who have insured their personal property under the Dwelling Form or General Property Form, coverage extends to interior walls, floor, and ceiling (if not covered under the condominium association’s insurance) up to 10 percent of the personal property limit of liability. Use of this coverage is at the option of the insured and reduces the personal property limit of liability. C. Replacement Cost and Coinsurance Replacement cost coverage is available for building coverage only on RCBAPs and Dwelling Forms meeting eligibility requirements. Coinsurance penalties are applied for building coverage only. To the extent the insured has not purchased insurance in an amount equal to the lesser of 80 percent or more of the full replacement cost of the building at the time of loss or the maximum amount of insurance under the NFIP, the insured will not be reimbursed fully for a loss. Building coverage purchased under individual Dwelling Forms cannot be added to RCBAP coverage in order to avoid the coinsurance penalty. The amount of loss in this case will be determined by using the following formula: Insurance Carried X Amount of Loss = Limit of Recovery Insurance Required Where the penalty applies, building loss under the RCBAP will be adjusted based on the Replacement Cost Coverage with a coinsurance penalty. Building loss under the Dwelling Form will be adjusted on an Actual Cash Value (ACV) basis if the Replacement Cost provision is not met. The cost of bringing the building into compliance with local codes (law and ordinance) is not included in the calculation of replacement cost. D. Assessment Coverage The RCBAP does not provide assessment coverage. Assessment coverage is available only under the Dwelling Form subject to the conditions and exclusions found in Section III. Property Covered, Coverage C, paragraph 3 – Condominium Loss Assessments. The Dwelling Form will respond, up to the building coverage limit, to assessments against unit owners for damages to common areas of any building owned by the condominium association, even if the building is not insured, provided that: (1) each of the unit owners comprising the membership of the association is assessed by reason of the same cause; and (2) the assessment arises out of a direct physical loss by or from flood to the condominium building at the time of the loss. Assessment coverage has a maximum combined total limit of $250,000 per unit. This combined total limit covers loss to the unit and any assessment by the association. Assessment coverage cannot be used to meet the 80-percent coinsurance provision of the RCBAP, and does not apply to ICC coverage or to coverage for closed basin lakes. V. DEDUCTIBLES AND FEES A. Deductibles The loss deductible shall apply separately to each building and personal property covered loss including any appurtenant structure loss. CONDO 7 May 1, 2006 The Standard Deductible is $1,000 for a residential condominium building, located in a Regular Program Community in Special Flood Hazard Areas, i.e., Zones A, AO, AH, A1-A30, AE, AR, AR dual zones (AR/AE, AR/AH, AR/AO, AR/A1-A30, AR/A), V, V1-V30, or VE, where the rates available for buildings built before the effective date of the initial Flood Insurance Rate Map (FIRM), Pre-FIRM rates, are used to compute the premium. For all policies rated other than those described above, e.g., those rated as Post-FIRM and those rated in Zones A99, B, C, D, or X, the Standard Deductible is $500. Optional deductible amounts are available under the RCBAP. B. Federal Policy Fee The following are the Federal Policy Fees for the RCBAP: 1 unit -$ 30.00 per policy 2-4 units -$ 60.00 per policy 5-10 units -$ 150.00 per policy 11-20 units -$ 330.00 per policy 21 or more -$ 630.00 per policy VI. TENTATIVE RATES AND SCHEDULED BUILDINGS Tentative Rates cannot be applied to the RCBAP. The Scheduled Building Policy is not available for the RCBAP. VII. COMMISSIONS (DIRECT BUSINESS ONLY) The commission, 15 percent, will be reduced to 5 percent on only that portion of the premium that exceeds the figure resulting from multiplying the total number of units times $2,000. VIII. CANCELLATION OR ENDORSEMENT OF EXISTING UNIT OWNERS' DWELLING POLICIES Unit owner’s Dwelling Policies may be cancelled mid-term for the reasons mentioned in the Cancellation/Nullification section of the manual. To cancel building coverage while retaining contents coverage on a unit owner's policy, submit a General Change Endorsement form. In the event of a cancellation: • The commission on a unit owner's policy will be retained, in full, by the producer, • The Federal Policy Fee and Probation Surcharge will be refunded on a pro rata basis, and • The premium refund will be calculated on a pro rata basis. An existing Dwelling Policy or RCBAP may be endorsed to increase amounts of coverage in accordance with Endorsement rules. They may not be endorsed mid-term to reduce coverage. IX. APPLICATION FORM The producer should complete the entire Flood Insurance Application according to the directions in the Application section of this manual and attach two new photographs of the building, one of which clearly shows the location of the lowest floor used for rating the risk. A. Type of Building For an RCBAP, the “Building” section of the Flood Insurance Application must indicate the total number of units in the building and whether the building is a high rise or low rise. High-rise (vertical) condominium buildings are defined as containing at least five units, and having at least three floors. Note that an enclosure below an elevated floor building, even if it is the lowest floor for rating purposes, cannot be counted as a floor to classify the building as a high-rise condominium building. Low-rise condominium buildings are defined as having less than five units and/or less than three floors. In addition, low-rise also includes all townhouses/rowhouses regardless of the number of floors or units, and all detached single family buildings. For a Dwelling Form used to insure a condominium unit, or for a Condominium Association Policy, see the Application section of this manual. B. Replacement Cost Value For an RCBAP, use normal company practice to estimate the Replacement Cost Value (RCV) and enter the value in the “Building” section of the Application. Include the cost of the building foundation when determining the RCV. Attach the appropriate valuation to the Application. Acceptable documentation of a building's RCV is a recent property inspection report that states the building's value on an RCV basis. The cost of the building's foundation must be included in determining the RCV. The cost of bringing the building into compliance with local codes (law and ordinance) is not to be included in the calculation of the building's replacement cost. To maintain CONDO 8 May 1, 2006 reasonable accuracy of the RCV for the building, the agent must update this information at least every 3 years. C. Coverage Ensure that the “Coverage and Rating” section of the Application accurately reflects the desired amount of building and contents coverage. If only building insurance is to be purchased, inform the applicant of the availability of contents insurance for contents that are commonly owned. It is recommended that the applicant initial the contents coverage section if no contents insurance is requested. (This will make the applicant aware that the policy will not provide payment for contents losses.) 1. Building Enter the amount of insurance for building, Basic and Additional Limits. Enter full Basic Limits before entering any Additional Limits. The building Basic Limit amount of insurance for high-rise condominium buildings is up to a maximum of $150,000. The building Basic Limit amount of insurance for low-rise condominium buildings is $50,000 multiplied by the number of units in the building. The total amount of coverage desired on the entire building must not exceed $250,000 (Regular Program limit) times the total number of units (residential and nonresidential) in the building. 2. Contents Since the Program type must be Regular, enter the amount of insurance for contents, Basic and Additional Limits. Enter full Basic Limits before any Additional Limits. Contents coverage is only for those contents items that are commonly owned. For the Basic Limits amount of insurance, up to a maximum of $20,000 may be filled in. For the Additional Limits, up to a total of $80,000 may be filled in. The total amount of insurance available for contents coverage cannot exceed $100,000. D. Rates and Fees 1. To determine rates, see the RCBAP Rate Tables on the following pages. Enter the rate for building and for contents and compute the annual premium. If an optional deductible has been selected for building and/or contents, see page CONDO 22. 2. Enter the total premium for building and contents, adjusted for any premium change because of an optional deductible being selected. The total premium will be calculated as if the building were one unit. 3. Add the total premium for building and contents and enter the Annual Subtotal. 4. Add the ICC premium. 5. Calculate the CRS discount, if applicable. 6. Subtract the CRS discount, if applicable. 7. Add the $50.00 Probation Surcharge, if applicable. 8. Add the Federal Policy Fee to determine the Total Prepaid Amount. CONDO 9 May 1, 2006 TABLE 3A. RCBAP HIGH-RISE CONDOMINIUM RATES ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) BUILDING BUILDING TYPE REGULAR PROGRAM PRE-FIRM1 REGULAR PROGRAM POST-FIRM A, A1-A30, AE, AO, AH, D V, VE A99, B, C, X A99, B, C, X D No Basement/Enclosure .85/.15 1.08/.38 1.05/.04 1.05/.04 1.05/.19 With Basement .90/.23 1.15/.82 1.27/.06 1.27/.06 SUBMIT FOR RATEWith Enclosure .90/.15 1.15/.40 1.10/.04 1.10/.04 CONTENTS CONTENTS LOCATION REGULAR PROGRAM PRE-FIRM1 REGULAR PROGRAM POST-FIRM A, A1-A30, AE, AO, AH, D V, VE A99, B, C, X A99, B, C, X D Basement and above .96/.60 1.23/1.52 1.26/.46 1.26/.46 SUBMIT FOR RATEEnclosure and above .96/.72 1.23/1.81 1.26/.53 1.26/.53 Lowest floor only- above ground level .96/.72 1.23/1.81 .99/.48 .99/.48 .92/.57 Lowest floor above ground level and higher floors .96/.49 1.23/1.59 .99/.30 .99/.30 .92/.39 Above ground level more than 1 full floor .35/.12 .47/.29 .35/.12 .35/.12 .35/.12 BUILDING—A1-A30, AE · POST-FIRM ELEVATION 3 OR MORE FLOORS NO BASEMENT/ENCLOSURE 3 OR MORE FLOORS WITH BASEMENT/ENCLOSURE +4 .33/.03 .33/.03 +3 .34/.03 .34/.03 +2 .35/.03 .35/.03 +1 .62/.04 .44/.04 0 1.43/.04 1.28/.04 -12 4.51/.14 2.54/.11 -2 S U B M I T F O R R A T E CONTENTS—A1-A30, AE · POST-FIRM ELEVATION LOWEST FLOOR ONLY- ABOVE GROUND LEVEL (NO BSMNT./ENCL.) LOWEST FLOOR ABOVE GROUND LEVEL AND HIGHER (NO BSMNT./ENCL.) BASEMENT/ ENCLOSURE AND ABOVE ABOVE GROUND LEVEL - MORE THAN ONE FULL FLOOR +4 .38/.12 .38/.12 .38/.12 .35/.12 +3 .38/.12 .38/.12 .38/.12 .35/.12 +2 .38/.12 .38/.12 .38/.12 .35/.12 +1 .50/.12 .38/.12 .38/.12 .35/.12 0 1.10/.12 .65/.12 .40/.12 .35/.12 -12 3.07/.75 1.78/.58 .48/.12 .35/.12 -2 S U B M I T F O R R A T E 1Start of construction or substantial improvement on or before 12/31/74, or before the effective date of the initial Flood Insurance Rate Map (FIRM). If FIRM Zone is unknown, use rates for Zones A, AE, AO, AH, D. 2Use Submit-for-Rate guidelines if either the enclosure below the lowest elevated floor of an elevated building or the crawl space (under-floor space) that has its interior floor within 2 feet below grade on all sides, which is used for rating, is 1 or more feet below BFE. CONDO 10 May 1, 2006 TABLE 3B. RCBAP HIGH-RISE CONDOMINIUM RATES ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) AO, AH POST-FIRM NO BASEMENT/ENCLOSURE BUILDINGS1 BUILDING CONTENTS WITH CERTIFICATION OF COMPLIANCE2 .34/.04 .34/.11 WITHOUT CERTIFICATION OF COMPLIANCE OR WITHOUT ELEVATION CERTIFICATE3 .94/.06 .97/.20 POST-FIRM UNNUMBERED A-ZONE - WITHOUT BASEMENT/ENCLOSURE1 ELEVATION DIFFERENCE TO NEAREST FOOT BUILDING CONTENTS4 TYPE OF ELEVATION CERTIFICATE +5 OR MORE .70/.05 .62./.12 NO ESTIMATED BASE FLOOD ELEVATION5 +2 TO +4 1.22/.05 .87/.17 +1 1.91/.12 1.54/.63 0 OR BELOW *** *** +2 OR MORE .61/.04 .50/.12 WITH ESTIMATED BASE FLOOD ELEVATION6 0 TO +1 1.07/.05 .79/.15 -1 4.29/.14 2.29/.67 -2 OR BELOW *** *** NO ELEVATION CERTIFICATE 5.57/1.06 2.87/1.00 NO ELEVATION CERTIFICATE 1Zones A, AO, or AH buildings with basement/enclosure--Submit for Rating. 2“With Certification of Compliance” rates are to be used when the Elevation Certificate shows that the lowest floor elevation is equal to or greater than the community’s elevation requirement. 3“Without Certification of Compliance” rates are to be used only on Post-FIRM structures without an Elevation Certificate or when the Elevation Certificate shows that the lowest floor elevation of a Post- FIRM structure is less than the community’s elevation requirement. 4For elevation rated policies, when contents are located one floor or more above lowest floor used for rating, use .35/.12.5NO ESTIMATED BASE FLOOD ELEVATION: Elevation difference is the measured distance between the lowest floor of the building and the highest adjacent grade next to the building. 6WITH ESTIMATED BASE FLOOD ELEVATION: Elevation difference is the measured distance between the lowest floor of the building and the estimated BFE provided by the community or registered professional engineer, surveyor, or architect. ***SUBMIT FOR RATING. CONDO 11 May 1, 2006 TABLE 3C. RCBAP HIGH-RISE CONDOMINIUM RATES ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) AR AND AR DUAL ZONES BUILDING PRE-FIRM1,2 AND POST-FIRM3 NOT ELEVATION-RATED BUILDING TYPE RATES No Basement/Enclosure 1.05/.04 With Basement 1.27/.06 With Enclosure 1.10/.04 CONTENTS PRE-FIRM1,2 AND POST-FIRM3 NOT ELEVATION-RATED CONTENTS LOCATION RATES Basement and above 1.26/.46 Enclosure and above 1.26/.53 Lowest floor only- above ground level .99/.48 Lowest floor above ground level and higher floors .99/.25 Above ground level more than 1 full floor .35/.12 BUILDING PRE-FIRM AND POST-FIRM ELEVATION-RATED ELEVATION 3 OR MORE FLOORS NO BASEMENT/ENCLOSURE 3 OR MORE FLOORS WITH BASEMENT/ENCLOSURE +4 .33/.03 .33/.03 +3 .34/.03 .34/.03 +2 .35/.03 .35/.03 +1 .62/.04 .44/.04 0 1.05/.04 1.27/.04 -14 See Footnote CONTENTS PRE-FIRM AND POST-FIRM ELEVATION-RATED ELEVATION LOWEST FLOOR ONLY- ABOVE GROUND LEVEL (NO BSMNT./ENCL.) LOWEST FLOOR ABOVE GROUND LEVEL AND HIGHER (NO BSMNT./ENCL.) BASEMENT/ ENCLOSURE AND ABOVE ABOVE GROUND LEVEL - MORE THAN ONE FULL FLOOR +4 .38/.12 .38/.12 .38/.12 .35/.12 +3 .38/.12 .38/.12 .38/.12 .35/.12 +2 .38/.12 .38/.12 .38/.12 .35/.12 +1 .50/.12 .38/.12 .38/.12 .35/.12 0 1.10/.12 .65/.12 .40/.12 .35/.12 -14 See Footnote 1Start of construction or substantial improvement on or before 12/31/74, or before the effective date of the initial Flood Insurance Rate Map (FIRM). 2Base deductible is $1,000. 3Base deductible is $500. 4Use Pre-FIRM AR and AR Dual Zones Rate Table above. CONDO 12 May 1, 2006 TABLE 3D. RCBAP HIGH-RISE CONDOMINIUM RATES ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) REGULAR PROGRAM -- 1975-19811 -- POST-FIRM CONSTRUCTION2 FIRM ZONES V1-V30, VE -- BUILDING RATES ELEVATION OF LOWEST FLOOR ABOVE OR BELOW BFE BUILDING TYPE 3 OR MORE FLOORS NO BASEMENT/ENCLOSURE 3 OR MORE FLOORS WITH BASEMENT/ENCLOSURE 03 2.23/.12 2.13/.12 -14 6.54/.46 3.42/.35 -2 *** *** 1975-1981 POST-FIRM CONSTRUCTION FIRM ZONES V1-V30, VE--CONTENTS RATES ELEVATION OF LOWEST FLOOR ABOVE OR BELOW BFE CONTENTS LOCATION LOWEST FLOOR ONLY-ABOVE GROUND LEVEL (NO BASEMENT/ ENCLOSURE) LOWEST FLOOR ABOVE GROUND LEVEL AND HIGHER FLOORS (NO BASEMENT/ENCLOSURE) BASEMENT/ ENCLOSURE AND ABOVE ABOVE GROUND LEVEL-MORE THAN ONE FULL FLOOR 03 3.31/.46 2.16/.51 1.22/.56 .55/.25 -14 7.28/3.53 4.30/2.73 1.43/.56 .55/.25 -2 *** *** *** *** 1Policies for 1975 through 1981 Post-FIRM and Pre-FIRM buildings in Zones VE and V1-V30 will be allowed to use the Post-’81 V Zone rate table if the rates are more favorable to the insured. See instructions on page RATE 23 for V Zone Optional Rating. 2For 1981 Post-FIRM construction rating, refer to pages CONDO 19-20. 3These rates are to be used if the lowest floor of the building is at or above the BFE. 4Use Submit-for-Rate guidelines if the enclosure below the lowest floor of an elevated building, which is used for rating, is 1 or more feet below BFE. ***SUBMIT FOR RATING. REGULAR PROGRAM 1975-1981 POST-FIRM CONSTRUCTION1 UNNUMBERED V ZONE--ELEVATED BUILDINGS SUBMIT FOR RATING CONDO 13 May 1, 2006 TABLE 4A. RCBAP LOW-RISE CONDOMINIUM RATES (Including Townhouse/Rowhouse) ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) REGULAR PROGRAM -- PRE-FIRM CONSTRUCTION RATES 1 F I R M Z O N E S: A, A1-A30, AE, AO, AH, D V, VE A99, B, C, X BUILDING CONTENTS BUILDING CONTENTS BUILDING CONTENTS BUILDING TYPE NO BASEMENT/ENCLOSURE .70/.38 .96/.72 .93/.98 1.23/1.81 .61/.17 .99/.30 WITH BASEMENT .75/.48 .96/.60 1.00/1.70 1.23/1.69 .66/.24 1.12/.38 WITH ENCLOSURE .75/.55 .96/.62 1.00/1.85 1.23/1.84 .66/.28 1.12/.44 REGULAR PROGRAM -- POST-FIRM CONSTRUCTION RATES F I R M Z O N E S: A99, B, C, X D BUILDING CONTENTS BUILDING CONTENTS BUILDING TYPE NO BASEMENT/ENCLOSURE .61/.17 .99/.30 .85/.32 .92/.57 WITH BASEMENT .66/.24 1.12/.38 *** *** WITH ENCLOSURE .66/.28 1.12/.44 F I R M Z O N E S: AO, AH (NO BASEMENT/ENCLOSURE BUILDINGS ONLY)2 BUILDING CONTENTS WITH CERTIFICATION OF COMPLIANCE3 .19/.06 .34/.11 WITHOUT CERTIFICATION OF COMPLIANCE OR WITHOUT ELEVATION CERTIFICATE4 .71/.17 .97/.20 1Start of construction or substantial improvement on or before 12/31/74, or before the effective date of the initial Flood Insurance Rate Map (FIRM). If FIRM Zone is unknown, use rates for Zones A, AE, AO, AH, D. 2Zones AO, AH BUILDINGS WITH BASEMENT: Submit for Rating. 3“With Certification of Compliance” rates are to be used when the Elevation Certificate shows that the lowest floor elevation is equal to or greater than the community’s elevation requirement. 4“Without Certification of Compliance” rates are to be used only on Post-FIRM structures without an Elevation Certificate or when the Elevation Certificate shows that the lowest floor elevation of a Post-FIRM structure is less than the community’s elevation requirement. ***SUBMIT FOR RATING. CONDO 14 May 1, 2006 TABLE 4B. RCBAP LOW-RISE CONDOMINIUM RATES (Including Townhouse/Rowhouse) ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) REGULAR PROGRAM -- POST-FIRM CONSTRUCTION FIRM ZONES A1-A30, AE -- BUILDING RATES ELEVATION OF LOWEST FLOOR ABOVE OR BELOW BFE1 BUILDING TYPE ONE FLOOR NO BASEMENT/ENCLOSURE MORE THAN ONE FLOOR NO BASEMENT/ENCLOSURE MORE THAN ONE FLOOR WITH BASEMENT/ENCLOSURE +4 .18/.08 .18/.08 .18/.08 +3 .18/.08 .18/.08 .18/.08 +2 .24/.08 .18/.08 .18/.08 +1 .43/.08 .25/.08 .19/.08 0 .89/.08 .58/.08 .45/.08 -12 2.27/.76 1.91/.70 1.08/.47 -2 *** *** *** FIRM ZONES A1-A30, AE -- CONTENTS RATES ELEVATION OF LOWEST FLOOR ABOVE OR BELOW BFE1 CONTENTS LOCATION LOWEST FLOOR ONLY - ABOVE GROUND LEVEL (NO BASEMENT/ENCLOSURE) LOWEST FLOOR ABOVE GROUND LEVEL AND HIGHER FLOORS (NO BASEMENT/ENCLOSURE) BASEMENT/ENCLOSURE AND ABOVE ABOVE GROUND LEVEL- MORE THAN ONE FULL FLOOR +4 .38/.12 .38/.12 .38/.12 .35/.12 +3 .38/.12 .38/.12 .38/.12 .35/.12 +2 .38/.12 .38/.12 .38/.12 .35/.12 +1 .50/.12 .38/.12 .38/.12 .35/.12 0 1.10/.12 .65/.12 .40/.12 .35/.12 -12 3.07/.75 1.78/.58 .48/.12 .35/.12 -2 *** *** *** .35/.12 1If LF is -1 because of attached garage, submit application for special consideration; rate may be lower. 2Use Submit-for-Rate guidelines if the enclosure below the lowest floor of an elevated building or if the crawl space (under-floor space) that has its interior floor within 2 feet below grade on all sides, which is used for rating, is 1 or more feet below BFE. ***SUBMIT FOR RATING. CONDO 15 May 1, 2006 TABLE 4C. RCBAP LOW-RISE CONDOMINIUM RATES (Including Townhouse/Rowhouse) ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) UNNUMBERED ZONE A - WITHOUT BASEMENT/ENCLOSURE1 ELEVATION DIFFERENCE TO NEAREST FOOT BUILDING CONTENTS2 TYPE OF ELEVATION CERTIFICATE +5 OR MORE .30/.10 .62/.12 NO ESTIMATED BASE FLOOD ELEVATION3 +2 TO +4 .80/.12 .86/.17 +1 1.54/.59 1.54/.63 0 OR BELOW *** *** +2 OR MORE .24/.08 .50/.12 WITH ESTIMATED BASE FLOOD ELEVATION4 0 TO +1 .58/.10 .79/.15 -1 2.10/.74 1.93/.74 -2 OR BELOW *** *** NO ELEVATION CERTIFICATE5 2.66/1.27 2.79/1.00 NO ELEVATION CERTIFICATE 1Zone A building with basement (including crawl space below grade on all sides) or enclosure--Submit for Rating. 2For elevation rated policies, when contents are located one floor or more above lowest floor used for rating, use .35/.12.3NO ESTIMATED BASE FLOOD ELEVATION: Elevation difference is the measured distance between the lowest floor of the building and the highest adjacent grade next to the building. 4WITH ESTIMATED BASE FLOOD ELEVATION: Elevation difference is the measured distance between the lowest floor of the building and the estimated BFE provided by the community or registered professional engineer, surveyor, or architect. 5For building without basement or enclosure, Elevation Certificate is optional. ***SUBMIT FOR RATING. CONDO 16 May 1, 2006 TABLE 4D. RCBAP LOW-RISE CONDOMINIUM RATES (Including Townhouse/Rowhouse) ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) AR AND AR DUAL ZONES REGULAR PROGRAM – PRE-FIRM1,2 AND POST-FIRM3 NOT ELEVATION-RATED RATES BUILDING TYPE BUILDING CONTENTS NO BASEMENT .61/.17 .99/.30 WITH BASEMENT .66/.24 1.12/.38 WITH ENCLOSURE .66/.28 1.12/.44 REGULAR PROGRAM –– PRE-FIRM AND POST-FIRM ELEVATION-RATED RATES BUILDING RATES ELEVATION OF LOWEST FLOOR ABOVE OR BELOW BFE BUILDING TYPE ONE FLOOR NO BASEMENT/ENCLOSURE MORE THAN ONE FLOOR NO BASEMENT/ENCLOSURE MORE THAN ONE FLOOR WITH BASEMENT/ENCLOSURE +4 .18/.08 .18/.08 .18/.08 +3 .18/.08 .18/.08 .18/.08 +2 .24/.08 .19/.08 .18/.08 +1 .43/.08 .25/.08 .19/.08 0 .61/.17 .58/.08 .45/.08 -14 See Footnote CONTENTS RATES ELEVATION OF LOWEST FLOOR ABOVE OR BELOW BFE CONTENTS LOCATION LOWEST FLOOR ONLY - ABOVE GROUND LEVEL (NO BASEMENT/ENCLOSURE) LOWEST FLOOR ABOVE GROUND LEVEL AND HIGHER FLOORS (NO BASEMENT/ENCLOSURE) BASEMENT/ENCLOSURE AND ABOVE ABOVE GROUND LEVEL- MORE THAN ONE FULL FLOOR +4 .38/.12 .38/.12 .38/.12 .35/.12 +3 .38/.12 .38/.12 .38/.12 .35/.12 +2 .38/.12 .38/.12 .38/.12 .35/.12 +1 .50/.12 .38/.12 .38/.12 .35/.12 0 1.10/.12 .65/.12 .40/.12 .35/.12 -14 See Footnote 1Start of construction or substantial improvement on or before 12/31/74, or before the effective date of the initial Flood Insurance Rate Map (FIRM). 2Base deductible is $1,000. 3Base deductible is $500. 4Use Pre-FIRM AR and AR Dual Zones Rate Table above. CONDO 17 May 1, 2006 TABLE 4E. RCBAP LOW-RISE CONDOMINIUM RATES (Including Townhouse/Rowhouse) ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) REGULAR PROGRAM -- 1975-19811 -- POST-FIRM CONSTRUCTION2 FIRM ZONES V1-V30, VE -- BUILDING RATES ELEVATION OF LOWEST FLOOR ABOVE OR BELOW BFE BUILDING TYPE ONE FLOOR NO BASEMENT/ENCLOSURE MORE THAN ONE FLOOR NO BASEMENT/ENCLOSURE MORE THAN ONE FLOOR WITH BASEMENT/ENCLOSURE 03 2.01/.37 1.61/.37 1.39/.37 -14 4.39/2.29 4.02/2.29 2.86/2.07 -2 *** *** *** REGULAR PROGRAM -- 1975-19811 -- POST-FIRM CONSTRUCTION2 FIRM ZONES V1-V30, VE -- CONTENTS RATES ELEVATION OF LOWEST FLOOR ABOVE OR BELOW BFE CONTENTS LOCATION LOWEST FLOOR ONLY - ABOVE GROUND LEVEL (NO BASEMENT/ENCLOSURE) LOWEST FLOOR ABOVE GROUND LEVEL AND HIGHER FLOORS (NO BASEMENT/ENCLOSURE) BASEMENT/ENCLOSURE AND ABOVE ABOVE GROUND LEVEL - MORE THAN ONE FULL FLOOR 03 3.31/.46 2.16/.51 1.22/.56 .55/.25 -14 7.28/3.53 4.30/2.73 1.43/.56 .55/.25 -2 *** *** *** .55/.25 REGULAR PROGRAM -- 1975-1981 -- POST-FIRM CONSTRUCTION2 UNNUMBERED V ZONE -- ELEVATED BUILDINGS SUBMIT FOR RATING 1Policies for 1975 through 1981 Post-FIRM and Pre-FIRM buildings in Zones VE and V1-V30 will be allowed to use the Post- ’81 V Zone rate table if the rates are more favorable to the insured. See instructions on page RATE 23 for V Zone Optional Rating. 2For 1981 Post-FIRM construction rating, refer to pages CONDO 19 and 20. 3These rates are to be used if the lowest floor of the building is at or above the BFE. 4Use Submit-for-Rate guidelines if the enclosure below the lowest floor of an elevated building, which is used for rating, is 1 or more feet below BFE. ***SUBMIT FOR RATING. CONDO 18 May 1, 2006 TABLE 5A. RCBAP HIGH-RISE AND LOW-RISE CONDOMINIUM RATES (Including Townhouse/Rowhouse) ANNUAL RATES PER $100 OF COVERAGE 1981 POST-FIRM V1-V30, VE ZONE RATES1 Elevated Buildings Free of Obstruction2 Below the Beam Supporting the Building’s Lowest Floor Elevation of the bottom of the floor beam of the lowest floor above or below Base Flood Elevation adjusted for wave height at building site3 Building Rate Contents Rate +4 or more .50 .41 +3 .61 .42 +2 .80 .57 +1 1.16 .92 0 1.49 1.37 - 1 1.97 1.90 - 2 2.59 2.59 - 3 3.34 3.51 - 4 or lower *** *** Rates above are only for elevated buildings. Use Specific Rating Guidelines for non-elevated buildings. 1Policies for 1975 through 1981 Post-FIRM and Pre-FIRM buildings in Zones VE and V1-V30 will be allowed to use the Post-’81 V Zone rate table if the rates are more favorable to the insured. See instructions on page RATE 23 for V Zone Optional Rating. 2Free of Obstruction.The space below the lowest elevated floor must be completely free of obstructions or any attachment to the building, or may have: (1) Insect screening, provided that no additional supports are required for the screening; or (2) Wooden or plastic lattice with at least 40 percent of its area open and made of material no thicker than ½ inch; or (3) Wooden or plastic slats or shutters with at least 40 percent of their area open and made of material no thicker than 1 inch. Any of these systems must be designed and installed to collapse under stress without jeopardizing the structural support of the building, so that the impact on the building of abnormally high tides or wind-driven water is minimized. Any machinery or equipment below the lowest elevated floor must be at or above the BFE. 3Wave height adjustment is not required in those cases where the Flood Insurance Rate Map indicates that the map includes wave height. ***SUBMIT FOR RATING. Include a copy of the variance, a recent photograph and blueprints (including a site grading plan if ocean front) with the Application, and a post-construction (or pre-construction if builder’s risk) Elevation Certificate. Do not submit any premium with the application. No applicant for insurance on Post-FIRM construction or substantial improvement for which asterisks are shown (there is no risk premium rate) in the Flood Insurance Manual can obtain flood coverage until FEMA has approved the Application and established the risk premium for the building. CONDO 19 May 1, 2006 TABLE 5B. RCBAP HIGH-RISE AND LOW-RISE CONDOMINIUM RATES (Including Townhouse/Rowhouse) ANNUAL RATES PER $100 OF COVERAGE 1981 POST-FIRM V1-V30, VE ZONE RATES1,2 Elevated Buildings With Obstruction3 Below the Beam Supporting the Building’s Lowest Floor Elevation of the bottom of the floor beam of the lowest floor above or below Base Flood Elevation adjusted for wave height at building site4 Building Rate Contents Rate +4 or more .91 .52 +3 1.01 .53 +2 1.20 .67 +1 1.52 1.02 0 1.85 1.47 -15 2.29 2.00 -25 2.91 2.68 -35 3.66 3.60 - 4 or lower5 *** *** 1Policies for 1975 through 1981 Post-FIRM and Pre-FIRM buildings in Zones VE and V1-V30 will be allowed to use the Post-’81 V Zone rate table if the rates are more favorable to the insured. See instructions on page RATE 23 for V Zone Optional Rating. 2Rates provided are only for elevated buildings, except those elevated on solid perimeter foundation walls. For buildings elevated on solid perimeter foundation walls, and for non-elevated buildings, use the Specific Rating Guidelines document. 3With Obstruction—The space below has an area of less than 300 square feet with breakaway solid walls or contains equipment below the BFE. If the space below has an area of 300 square feet or more, or if any portion of the space below the elevated floor is enclosed with non-breakaway walls, submit for rating. If the enclosure is at or above the BFE, use the “Free of Obstruction” rate table on the preceding page. The elevation of the bottom enclosure floor is the lowest floor for rating (LFE). 4Wave height adjustment is not required in those cases where the Flood Insurance Rate Map indicates that the map includes wave height. 5For buildings with obstruction, use Submit-for-Rate guidelines if the enclosure below the lowest elevated floor of an elevated building, which is used for rating, is 1 or more feet below BFE. ***SUBMIT FOR RATING. Include a copy of the variance, a recent photograph and blueprints (including a site grading plan if ocean front) with the Application, and a post-construction (or pre-construction if builder’s risk) Elevation Certificate. Do not submit any premium with the application. No applicant for insurance on Post-FIRM construction or substantial improvement for which asterisks are shown (there is no risk premium rate) in the Flood Insurance Manual can obtain flood coverage until FEMA has approved the Application and established the risk premium for the building. TABLE 5C. RCBAP HIGH-RISE AND LOW-RISE BUILDING RATES (Including Townhouse/Rowhouse) ANNUAL RATES PER $100 OF COVERAGE 1981 POST-FIRM V ZONE RATES SUBMIT FOR RATING CONDO 20 May 1, 2006 TABLE 6. RCBAP HIGH-RISE AND LOW-RISE CONDOMINIUM RATES (Including Townhouse/Rowhouse) INCREASED COST OF COMPLIANCE (ICC) COVERAGE All Except Submit for Rate Policies1 Premiums for $30,000 ICC Coverage FIRM2 ZONE PREMIUM Post-FIRM A, AE, A1-A30, AO, AH $ 6 AR, AR DUAL ZONES $ 6 Post-’81 V1-V30, VE $ 20 ‘75-’81 V1-V30, VE $ 35 A99, B, C, X, D $ 6 Pre-FIRM A, AE, A1-A30, AO, AH $ 75 AR, AR DUAL ZONES $ 6 V, VE, V1-V30 $ 75 A99, B, C, X, D $ 6 1Use the ICC premium table contained in the Specific Rating Guidelines. 2Elevation-rated Pre-FIRM buildings should use Post-FIRM ICC premiums. CONDO 21 May 1, 2005 TABLE 7. RCBAP DEDUCTIBLE FACTORS – ALL ZONES Category One – Low-Rise Condominium Building-and-Contents Policies DEDUCTIBLE DEDUCTIBLE FACTOR OPTIONS Single Family 2-4 Units 5 or More Units Building/Contents $500 Ded. $1,000 Ded. $500 Ded. $1,000 Ded. $500 Ded. $1,000 Ded. $500/ $500 1.000 1.125 1.000 1.025 1.000 1.015 $1,000/$1,000 .950 1.000 .965 1.000 .980 1.000 $2,000/$1,000 .900 .950 .930 .965 .960 .980 $3,000/$1,000 .850 .900 .900 .935 .940 .960 $4,000/$2,000 .800 .825 .850 .885 .910 .930 $5,000/$2,000 .760 .775 .810 .845 .890 .920 $10,000/$10,000 .625 .635 .650 .660 .825 .840 $25,000/$25,000 .525 .535 .550 .560 .725 .740 Category Two – Low-Rise Condominium Building-Only Policies DEDUCTIBLE OPTIONS DEDUCTIBLE FACTOR Single Family 2-4 Units 5 or More Units $500 Ded. $1,000 Ded. $500 Ded. $1,000 Ded. $500 Ded. $1,000 Ded. $500 1.000 1.125 1.000 1.025 1.000 1.015 $1,000 .950 1.000 .965 1.000 .980 1.000 $2,000 .885 .925 .925 .950 .950 .970 $3,000 .825 .865 .875 .910 .920 .940 $4,000 .775 .825 .825 .870 .900 .920 $5,000 .725 .765 .800 .835 .880 .900 $10,000 .620 .630 .640 .650 .815 .830 $25,000 .520 .530 .540 .550 .715 .730 Category Three – High-Rise Condominium Policies, Building-and-Contents and Building-Only The deductible factors are multipliers, and total deductible amounts are subject to a maximum dollar discount per annual premium. BUILDING/CONTENTS BUILDING-ONLY DEDUCTIBLE OPTIONS DEDUCTIBLE FACTOR MAXIMUM DISCOUNT $500 Deductible $1,000 Deductible $500/ $500 1.000 1.050 N/A $1,000/$1,000 .980 1.000 $ 56 $2,000/$2,000 .960 .980 $ 111 $3,000/$3,000 .940 .960 $ 166 $4,000/$4,000 .910 .930 $ 221 $5,000/$5,000 .890 .920 $ 276 $10,000/$10,000 .825 .840 $ 501 $25,000/$25,000 .725 .740 $1,001 DEDUCTIBLE OPTIONS DEDUCTIBLE FACTOR MAXIMUM DISCOUNT $500 Deductible $1,000 Deductible $500 1.000 1.100 N/A $1,000 .980 1.000 $ 55 $2,000 .950 .970 $ 110 $3,000 .920 .940 $ 165 $4,000 .900 .920 $ 220 $5,000 .880 .900 $ 275 $10,000 .815 .830 $ 500 $25,000 .715 .730 $1,000 CONDO 22 May 1, 2005 X. CONDOMINIUM RATING EXAMPLES TABLE OF CONTENTS EXAMPLE PAGE Example 1 Pre-FIRM, Low-rise, with Enclosure, Coinsurance Penalty, Zone A................CONDO 24 Example 2 Pre-FIRM, Low-rise, No Basement/Enclosure, Zone AE ................................. CONDO 25 Example 3 Post-FIRM, Low-rise, Coinsurance Penalty, Zone AE...................................... CONDO 26 Example 4 Post-FIRM, Low-rise, Standard Deductible, Zone AE ...................................... CONDO 27 Example 5 Pre-FIRM, High-rise, Standard Deductible, Coinsurance Penalty, Zone A......CONDO 28 Example 6 Pre-FIRM, High-rise, Basement, Maximum Discount, Zone AE....................... CONDO 29 Example 7 Post-FIRM, High-rise, Standard Deductible, Zone AE ..................................... CONDO 30 Example 8 Pre-FIRM, High-rise, Enclosure, Maximum Discount, Coinsurance Penalty, Zone AE..............................................................................................CONDO 31 CONDO 23 May 1, 2005 CONDOMINIUM RATING EXAMPLE 1 PRE-FIRM, LOW-RISE, WITH ENCLOSURE, COINSURANCE PENALTY, ZONE A Regular Program • Building Coverage: $140,000 • Contents Coverage: $100,000 • Condominium Type: Low-rise • Flood Zone: A • Occupancy: Other Residential • # of Units: 6 • Date of Construction: Pre-FIRM • Building Type: 3 Floors Including Enclosure • Deductible: $2,000/$1,000 • Deductible Factor: .980 • Replacement Cost: $600,000 • Elevation Difference: N/A • 80% Coinsurance Amount: $480,000 • ICC Premium: $75 ($30,000 Coverage) • CRS Rating: N/A • CRS Discount: N/A Determined Rates: Building: .75/.55 Contents: .96/.62 COVERAGE BASIC LIMITS AMOUNT OF INSURANCE RATE ANNUAL PREMIUM ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) AMOUNT OF INSURANCE RATE ANNUAL PREMIUM DEDUCTIBLE PREM. REDUCTION/ INCREASE BASIC AND ADDITIONAL TOTAL AMOUNT OF INSURANCE TOTAL PREMIUM BUILDING 140,000 .75 1,050 0 .55 0 -21 140,000 1,029 CONTENTS 20,000 .96 192 80,000 .62 496 -14 100,000 674 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT ANNUAL SUBTOTAL 1,703 . MANUAL . SUBMIT FOR RATING OPTION: ICC PREMIUM 75 . ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD SUBTOTAL 1,778 . MORTGAGE PORTFOLIO PROTECTION PROGRAM . OTHER: CRS PREMIUM DISCOUNT % . . PROVISIONAL RATING SUBTOTAL 1,778 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT PROBATION SURCHARGE . ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. FEDERAL POLICY FEE 150 SIGNATURE OF INSURANCE AGENT/BROKER DATE(MM/DD/YY) TOTAL PREPAID AMOUNT 1,928 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $1,050 / Contents: $688 2. Apply Deductible Factor: Building: .980 x $1,050 = $1,029 / Contents: .980 x $688 = $674 3. Premium Reduction: Building: $1,050 - $1,029 = $21 / Contents: $688 - $674 = $14 4. Subtotal: $1,703 5. Add ICC Premium: $75 6. Subtract CRS Discount: N/A 7. Subtotal: $1,778 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $150 10. Total Prepaid Amount: $1,928 CLAIMS ADJUSTMENT WITH COINSURANCE PROVISION Claim Payment is determined as follows: (Insurance Carried) 140,000 x (Amount of Loss) 100,000 = (Limit of Recovery) 29,167 - Less Deductible (Insurance Required) 480,000 (Coinsurance Penalty applies because minimum insurance amount of $480,000 was not met.) CONDO 24 May 1, 2006 CONDOMINIUM RATING EXAMPLE 2 PRE-FIRM, LOW-RISE, NO BASEMENT/ENCLOSURE, ZONE AE Regular Program • Building Coverage: $480,000 • Contents Coverage: $50, 000 • Condominium Type: Low-rise • Flood Zone: AE • Occupancy: Other Residential • # of Units: 6 • Date of Construction: Pre-FIRM • Building Type: 1 Floor, No Basement • Deductible: $500/$500 • Deductible Factor: 1.015 • Replacement Cost: $600,000 • Elevation Difference: N/A • 80% Coinsurance Amount: $480,000 • ICC Premium: $75 ($30,000 Coverage) • CRS Rating: N/A • CRS Discount: N/A Determined Rates: Building: .70/.38 Contents: .96/.72 COVERAGE BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM PREM. REDUCTION/ INCREASE TOTAL AMOUNT OF INSURANCE BUILDING 300,000 .70 2,100 180,000 .38 684 +42 480,000 2,826 CONTENTS 20,000 .96 192 30,000 .72 216 +6 50,000 414 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT ANNUAL SUBTOTAL 3,240 . MANUAL . SUBMIT FOR RATING OPTION: ICC PREMIUM 75 . ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD SUBTOTAL 3,315 . MORTGAGE PORTFOLIO PROTECTION PROGRAM . OTHER: CRS PREMIUM DISCOUNT % . . PROVISIONAL RATING SUBTOTAL 3,315 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT PROBATION SURCHARGE . ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. FEDERAL POLICY FEE 150 SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) TOTAL PREPAID AMOUNT 3,465 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $2,784 / Contents: $408 2. Apply Deductible Factor: Building: 1.015 x $2,784 = $2,826 / Contents: 1.015 x $408 = $414 3. Premium Increase: Building: $2,826 - $2,784 = $42 / Contents: $414 - $408 = $6 4. Subtotal: $3,240 5. Add ICC Premium: $75 6. Subtract CRS Discount: N/A 7. Subtotal: $3,315 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $150 10. Total Prepaid Amount: $3,465 CLAIMS ADJUSTMENT WITH COINSURANCE PROVISION Coinsurance Penalty does not apply since minimum insurance amount of 80% was met. CONDO 25 May 1, 2006 CONDOMINIUM RATING EXAMPLE 3 POST-FIRM, LOW-RISE, COINSURANCE PENALTY, ZONE AE Regular Program • Building Coverage: $750,000 • Contents Coverage: $100,000 • Condominium Type: Low-rise • Flood Zone: AE • Occupancy: Other Residential • # of Units: 14 • Date of Construction: Post-FIRM • Building Type: 2 Floors, No Basement/Enclosure • Deductible: $500/$500 • Deductible Factor: 1.000 • Replacement Cost: $1,120,000 • Elevation Difference: +1 • 80% Coinsurance Amount: $896,000 • ICC Premium: $6 ($30,000 Coverage) • CRS Rating: N/A • CRS Discount: N/A Determined Rates: Building: .25/.08 Contents: .38/.12 COVERAGE BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM PREM. REDUCTION/ INCREASE TOTAL AMOUNT OF INSURANCE BUILDING 700,000 .25 1,750 50,000 .08 40 0 750,000 1,790 CONTENTS 20,000 .38 76 80,000 .12 96 0 100,000 172 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT ANNUAL SUBTOTAL 1,962 . MANUAL . SUBMIT FOR RATING OPTION: ICC PREMIUM 6 . ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD SUBTOTAL 1,968 . MORTGAGE PORTFOLIO PROTECTION PROGRAM . OTHER: CRS PREMIUM DISCOUNT % . . PROVISIONAL RATING SUBTOTAL 1,968 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT PROBATION SURCHARGE . ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. FEDERAL POLICY FEE 330 SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) TOTAL PREPAID AMOUNT 2,298 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $1,790 / Contents: $172 2. Apply Deductible Factor: Building: 1.000 x $1,790 = $1,790 / Contents: 1.000 x $172 = $172 3. Premium Reduction/Increase: Building: $0 / Contents: $0 4. Subtotal: $1,962 5. Add ICC Premium: $6 6. Subtract CRS Discount: N/A 7. Subtotal: $1,968 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $330 10. Total Prepaid Amount: $2,298 CLAIMS ADJUSTMENT WITH COINSURANCE PROVISION Claim Payment is determined as follows: (Insurance Carried) 750,000 x (Amount of Loss) 300,000 = (Limit of Recovery) 251,116 - Less Deductible (Insurance Required) 896,000 (Coinsurance Penalty applies because minimum insurance amount of $896,000 was not met.) CONDO 26 May 1, 2006 CONDOMINIUM RATING EXAMPLE 4 POST-FIRM, LOW-RISE, STANDARD DEDUCTIBLE, ZONE AE Regular Program • Building Coverage: $600,000 • Contents Coverage: $15,000 • Condominium Type: Low-rise • Flood Zone: AE • Occupancy: Other Residential • # of Units: 6 • Date of Construction: Post-FIRM • Building Type: 3 Floors, Townhouse, No Basement/Enclosure • Deductible: $500/$500 • Deductible Factor: 1.000 • Replacement Cost: $600,000 • Elevation Difference: +2 • 80% Coinsurance Amount: $480,000 • ICC Premium: $6 ($30,000 Coverage) • CRS Rating: N/A • CRS Discount: N/A Determined Rates: Building: .18/.08 Contents: .38/.12 COVERAGE BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM PREM. REDUCTION/ INCREASE TOTAL AMOUNT OF INSURANCE BUILDING 300,000 .18 540 300,000 .08 240 0 600,000 780 CONTENTS 15,000 .38 57 0 .12 0 15,000 57 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT ANNUAL SUBTOTAL 837 . MANUAL . SUBMIT FOR RATING OPTION: ICC PREMIUM 6 . ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD SUBTOTAL 843 .. MORTGAGE PORTFOLIO PROTECTION PROGRAM . OTHER: CRS PREMIUM DISCOUNT % . . PROVISIONAL RATING SUBTOTAL 843 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT PROBATION SURCHARGE . ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. FEDERAL POLICY FEE 150 SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) TOTAL PREPAID AMOUNT 993 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $780 / Contents: $57 2. Apply Deductible Factor: Building: 1.000 x $780 = $780 / Contents: 1.000 x $57 = $57 3. Premium Reduction/Increase: Building: $0 / Contents: $0 4. Subtotal: $837 5. Add ICC Premium: $6 6. Subtract CRS Discount: N/A 7. Subtotal: $843 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $150 10. Total Prepaid Amount: $993 CLAIMS ADJUSTMENT WITH COINSURANCE PROVISION Coinsurance Penalty does not apply since the minimum insurance amount of 80% was met. CONDO 27 May 1, 2005 CONDOMINIUM RATING EXAMPLE 5 PRE-FIRM, HIGH-RISE, STANDARD DEDUCTIBLE, COINSURANCE PENALTY, ZONE A Regular Program • Building Coverage: $1,110,000 • Contents Coverage: $100,000 • Condominium Type: High-rise • Flood Zone: A • Occupancy: Other Residential • # of Units: 50 • Date of Construction: Pre-FIRM • Building Type: 3 or More Floors, No Basement/Enclosure • Deductible: $1,000/$1,000 • Deductible Factor: 1.000 • Replacement Cost: $1,500,000 • Elevation Difference: N/A • 80% Coinsurance Amount: $1,200,000 • ICC Premium: $75 ($30,000 Coverage) • CRS Rating: 5 • CRS Discount: 25% Determined Rates: Building: .85/.15 Contents: .96/.49 COVERAGE BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIU M PREM. REDUCTION/ INCREASE TOTAL AMOUNT OF INSURANCE BUILDING 150,000 .85 1,275 960,000 .15 1,440 0 1,110,000 2,715 CONTENTS 20,000 .96 192 80,000 .49 392 0 100,000 584 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT ANNUAL SUBTOTAL 3,299 . MANUAL . SUBMIT FOR RATING OPTION: ICC PREMIUM 75 . ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD SUBTOTAL 3,374 . MORTGAGE PORTFOLIO PROTECTION PROGRAM . OTHER: CRS PREMIUM DISCOUNT 25% -844 . PROVISIONAL RATING SUBTOTAL 2,530 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT PROBATION SURCHARGE . ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. FEDERAL POLICY FEE 630 SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) TOTAL PREPAID AMOUNT 3,160 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $2,715 / Contents: $584 2. Apply Deductible Factor: Building: 1.000 x $2,715 = $1,225 / Contents: 1.000 x $584 = $584 3. Premium Reduction/Increase: Building: $0 / Contents: $0 4. Subtotal: $3,299 5. Add ICC Premium: $75 6. Subtract CRS Discount: - $844 (25%) 7. Subtotal: $2,530 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $630 10. Total Prepaid Amount: $3,160 CLAIMS ADJUSTMENT WITH COINSURANCE PROVISION Claim Payment is determined as follows: (Insurance Carried) 1,110,000 x (Amount of Loss) 200,000 = (Limit of Recovery) 185,000 - Less Deductible (Insurance Required) 1,200,000 (Coinsurance Penalty applies because minimum insurance amount of $1,200,000 was not met.) CONDO 28 May 1, 2006 CONDOMINIUM RATING EXAMPLE 6 PRE-FIRM, HIGH-RISE, BASEMENT, MAXIMUM DISCOUNT, ZONE AE Regular Program • Building Coverage: $3,000,000 • Contents Coverage: $100,000 • Condominium Type: High-rise • Flood Zone: AE • Occupancy: Other Residential • # of Units: 50 • Date of Construction: Pre-FIRM • Building Type: 3 or More Floors, including Basement • Deductible: $5,000/$5,000 • Deductible Factor: .920 (Maximum Total Discount of $276 applies) • Replacement Cost: $3,750,000 • Elevation Difference: N/A • 80% Coinsurance Amount: $3,000,000 • ICC Premium: $75 ($30,000 Coverage) • CRS Rating: 8 • CRS Discount: 10% Determined Rates: Building: .90/.23 Contents: .96/.60 COVERAGE BASIC LIMITS AMOUNT OF INSURANCE RATE ANNUAL PREMIUM ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) AMOUNT OF INSURANCE RATE ANNUAL PREMIUM DEDUCTIBLE PREM. REDUCTION/ BASIC AND ADDITIONAL TOTAL AMOUNT OF TOTAL PREMIUM BUILDING 150,000 .90 1,350 2,850,000 .23 6,555 -276 INCREASE 3,000,000 INSURANCE 7,629 CONTENTS 20,000 .96 192 80,000 .60 480 0 100,000 672 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT ANNUAL SUBTOTAL 8,301 . MANUAL . SUBMIT FOR RATING OPTION: ICC PREMIUM 75 . ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD SUBTOTAL 8,376 . MORTGAGE PORTFOLIO PROTECTION PROGRAM . OTHER: CRS PREMIUM DISCOUNT 10% -838 . PROVISIONAL RATING SUBTOTAL 7,538 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT PROBATION SURCHARGE . ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. FEDERAL POLICY FEE 630 SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) TOTAL PREPAID AMOUNT 8,168 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $7,905 / Contents: $672 2. Apply Deductible Factor: Building: .920 x $7,905 = $7,273 / Contents: .920 x $672 = $618 3. Premium Reduction: Building: $276 (maximum discount since $7,905 - $7,273 = $632 exceeds the maximum) / Contents: $0 4. Subtotal: $8,301 5. Add ICC Premium: $75 6. Subtract CRS Discount: -$838 (10%) 7. Subtotal: $7,538 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $630 10. Total Prepaid Amount: $8,168 CLAIMS ADJUSTMENT WITH COINSURANCE PROVISION Coinsurance Penalty does not apply since the minimum insurance amount of 80% was met. NOTE: The NFIP accepts premium only in whole dollars. If the discount for an optional deductible does not result in a whole dollar premium, round up if 50¢ or more; round down if less. Always submit gross premium. CONDO 29 May 1, 2006 CONDOMINIUM RATING EXAMPLE 7 POST-FIRM, HIGH-RISE, STANDARD DEDUCTIBLE, ZONE AE Regular Program • Building Coverage: $12,000,000 • Contents Coverage: $15,000 • Condominium Type: High-rise • Flood Zone: AE • Occupancy: Other Residential • # of Units: 100 • Date of Construction: Post-FIRM • Building Type: 3 or More Floors, No Basement/Enclosure • Deductible: $500/$500 • Deductible Factor: 1.000 • Replacement Cost: $15,000,000 • Elevation Difference: 0 • 80% Coinsurance Amount: $12,000,000 • ICC Premium: $6 ($30,000 Coverage) • CRS Rating: 9 • CRS Discount: 5% Determined Rates: Building: 1.43/.04 Contents: .65/.12 COVERAGE BASIC LIMITS AMOUNT OF INSURANCE RATE ANNUAL PREMIUM ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) AMOUNT OF INSURANCE RATE ANNUAL PREMIUM DEDUCTIBLE PREM. REDUCTION/ BASIC AND ADDITIONAL TOTAL AMOUNT OF INSURANCE TOTAL PREMIUM BUILDING 150,000 1.43 2,145 11,850,000 .04 4,740 0 INCREASE 12,000,000 6,885 CONTENTS 15,000 .65 98 0 .12 0 0 15,000 98 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT ANNUAL SUBTOTAL 6,983 . MANUAL . SUBMIT FOR RATING OPTION: ICC PREMIUM 6 . ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD SUBTOTAL 6,989 . MORTGAGE PORTFOLIO PROTECTION PROGRAM . OTHER: CRS PREMIUM DISCOUNT 5% -349 . PROVISIONAL RATING SUBTOTAL 6,640 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT PROBATION SURCHARGE . ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. FEDERAL POLICY FEE 630 SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) TOTAL PREPAID AMOUNT 7,270 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $6,885 / Contents: $98 2. Apply Deductible Factor: Building: 1.000 x $6,885 = $6,885 / Contents: 1.000 x $98 = $98 3. Premium Increase: Building: $0 / Contents: $0 4. Subtotal: $6,983 5. Add ICC Premium: $6 6. Subtract CRS Discount: - $349 (5%) 7. Subtotal: $6,640 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $630 10. Total Prepaid Amount: $7,270 CLAIMS ADJUSTMENT WITH COINSURANCE PROVISION Coinsurance Penalty does not apply since the minimum insurance amount of 80% was met. NOTE: The NFIP accepts premium only in whole dollars. If the discount for an optional deductible does not result in a whole dollar premium, round up if 50¢ or more; round down if less. Always submit gross premium. CONDO 30 May 1, 2006 CONDOMINIUM RATING EXAMPLE 8 PRE-FIRM, HIGH-RISE, ENCLOSURE, MAXIMUM DISCOUNT, COINSURANCE PENALTY, ZONE AE Regular Program • Building Coverage: $4,000,000 • Contents Coverage: $100,000 • Condominium Type: High-rise • Flood Zone: AE • Occupancy: Other Residential • # of Units: 200 • Date of Construction: Pre-FIRM • Building Type: 3 or More Floors, Including Enclosure • Deductible: $2,000/$2,000 • Deductible Factor: .980 (Maximum Total Discount of $111 applies) • Replacement Cost: $18,000,000 • Elevation Difference: N/A • 80% Coinsurance Amount: $14,400,000 • ICC Premium: $75 ($30,000 Coverage) • CRS Rating: N/A • CRS Discount: N/A Determined Rates: Building: .90/.15 Contents: .96/.72 COVERAGE BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM PREM. REDUCTION/ INCREASE TOTAL AMOUNT OF INSURANCE BUILDING 150,000 .90 1,350 3,850,000 .15 5,775 -111 4,000,000 7,014 CONTENTS 20,000 .96 192 80,000 .72 576 0 100,000 768 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT ANNUAL SUBTOTAL 7,782 . MANUAL . SUBMIT FOR RATING OPTION: ICC PREMIUM 75 . ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD SUBTOTAL 7,857 . MORTGAGE PORTFOLIO PROTECTION PROGRAM . OTHER: CRS PREMIUM DISCOUNT % . . PROVISIONAL RATING SUBTOTAL 7,857 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT PROBATION SURCHARGE . ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. FEDERAL POLICY FEE 630 SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) TOTAL PREPAID AMOUNT 8,487 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $7,125 / Contents: $768 2. Apply Deductible Factor: Building: .980 x $7,125 = $6,983 / Contents: .980 x $768 = $753 3. Premium Reduction: Building: $111 (maximum discount since $7,125 - $6,983 = $142 exceeds the maximum) / Contents: $0 4. Subtotal: $7,782 5. Add ICC Premium: $75 6. Subtract CRS Discount: N/A 7. Subtotal: $7,857 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $630 10. Total Prepaid Amount: $8,487 CLAIMS ADJUSTMENT WITH COINSURANCE PROVISION Claim Payment is determined as follows: (Insurance Carried) 4,000,000 x (Amount of Loss) 1,000,000 = (Limit of Recovery) 277,778 - Less Deductible (Insurance Required) 14,400,000 (Coinsurance Penalty applies because minimum insurance amount of $14,400,000 was not met.) CONDO 31 May 1, 2006 LOWEST FLOOR GUIDE This section is to be used as a guide for identifying the lowest floor for rating buildings being considered for coverage under the National Flood Insurance Program. I. LOWEST FLOOR DETERMINATION The following guidance, along with the comments accompanying each building drawing provided in this section (pages LFG 8-59), will help insurance agents determine the lowest floor so that the appropriate rate can be applied. A. Non-Elevated Buildings In a non-elevated building, the lowest floor used for rating is the building’s lowest floor including a basement, if any. If a building located in an A zone (any flood zone beginning with the letter A) has an attached garage, and the floor level of the garage is below the level of the building, and there is machinery/equipment on the floor of the garage that is below the BFE, the lowest floor is the garage floor unless the garage has proper openings (flood vents). See “Proper Openings” in the Definitions section. B. Elevated Buildings in A Zones In an elevated building located in an A zone (any flood zone beginning with the letter A), the lowest floor used for rating is the lowest elevated floor, with the exceptions described below. If a building located in an A zone has an enclosure below the elevated floor, including an attached garage, the enclosure or garage floor becomes the lowest floor for rating if any of the following conditions exists: • The enclosed space is finished (having more than 20 linear feet of finished wall-paneling, etc.); or • The enclosed space is used for other than building access (stairwells, elevators, etc.), parking, or storage; or • The enclosed space has no proper openings (flood vents). 1. Enclosures with Openings An elevated building with an enclosure below the elevated floor with proper openings (flood vents) in the enclosure can be rated using the elevated floor as the lowest floor. (For elevated buildings with proper openings in the enclosure, the application should indicate “No” for enclosure.) This rule applies to buildings in Zones A, A1-A30, AE, AO, AH, AR, and AR Dual. All enclosures (including an elevator shaft or a crawl space) below the lowest elevated floor must be designed to automatically equalize hydrostatic flood forces on exterior walls by allowing for the entry and exit of floodwaters. A minimum of two openings, with positioning on at least two walls, having a total net area of not less than 1 square inch for every square foot of enclosed area must be provided. The bottom of all openings must be no higher than 1 foot above the grade underneath the openings. 2. Alternative to the Openings Requirement Above In situations where it is not feasible to meet the openings requirement above, it is acceptable to use the following certification/letter in order for the enclosure floor elevation to be excluded for rating: • A registered professional engineer or architect certification that the flood openings are designed to automatically equalize hydrostatic flood forces on exterior walls by allowing for the entry and exit of floodwaters. This certification is required to assure community officials that the openings are designed in accordance with accepted standards of practice. For acceptable certifications, refer to FEMA Technical Bulletin 1-93, “Openings in Foundation Walls for Buildings Located in Special Flood Hazard Areas” at http://www.fema.gov/pdf/fima/job2.pdf. or • A letter or other written evidence from the community building official that the flood openings have been accepted by the community as an alternative to the openings requirement in the International Building Code or the local ordinance based on the issuance of an Evaluation Report on openings by the International Code Council Evaluation Service, Inc. LFG 1 October 1, 2005 3. Crawl Spaces If a building elevated on a crawl space is located in an A zone and has an attached garage, use the following guidelines to determine the lowest floor for rating: • Use the top of the crawl space (underfloor space) floor or the garage floor, whichever is lower, if neither the crawl space nor the garage has proper openings (flood vents); or • Use the top of the crawl space floor, if the only area that has proper openings (flood vents) is the garage; or • Use the top of the garage floor, if the only area that has proper openings (flood vents) is the crawl space; or • Use the top of the finished floor (habitable floor), if both the crawl space and the garage have proper openings (flood vents). C. Elevated Buildings in V Zones In Zones V, VE, and V1-V30, the floor of an enclosed area below the lowest elevated floor is the building's lowest floor if one or more of the following conditions are met: • The enclosed space is finished (having more than 20 linear feet of finished wall-paneling, etc.); or • The enclosed space is used for other than building access (stairwells, elevators, etc.), parking, or storage; or • The enclosed space is of any size, and there is machinery or equipment below the Base Flood Elevation (BFE) located inside or outside the enclosed space. (Machinery or equipment is defined as building items permanently affixed to the building and that provide utility services for the building—i.e., furnaces, hot water heaters, heat pumps, air conditioners, and elevators and their associated equipment. Washers, dryers, and food freezers are contents items and are not considered machinery or equipment.); or • The enclosed space is constructed with non- breakaway walls (A non-breakaway wall is defined as a wall that is attached to the structural support of the building and is not designed or constructed to collapse under specific lateral loading forces. This type of construction endangers the foundation system of the building.); or • The enclosed space is 300 square feet or more and has breakaway walls; or • The enclosed space has load-bearing (supporting) walls. If the enclosed space (enclosure) is at or above the BFE, use the “Free of Obstruction” rate table on page RATE 7 or page CONDO 19, as appropriate. The elevation of the bottom enclosure floor is the lowest floor for rating (LFE). Also see “D. Post-’81 V Zone Optional Rating” on page RATE 23. II. USE OF ELEVATION CERTIFICATE The Elevation Certificate is used to properly rate buildings located in Special Flood Hazard Areas (SFHAs). Use the criteria below in determining whether use of the Elevation Certificate is mandatory or optional. (See the Special Certifications section, pages CERT 1-2, for more information on using the Elevation Certificate.) A. Mandatory Use of Elevation Certificate An Elevation Certificate is required for a Post- FIRM building located in Zones AE, A1-A30, VE, V1-V30, or a Pre-FIRM building opting for Post- FIRM rates (see “B.” below). An Elevation Certificate is also required for a Post-FIRM building located in unnumbered A Zones (With or Without Estimated BFE), Zone AH, and Zone AO, if the building has a basement or enclosure without proper openings (flood vents). If the building is Post-FIRM construction located in unnumbered A Zones, check with the community official to determine if there is an estimated Base Flood Elevation. If available, an Elevation Certificate that certifies the lowest floor elevation must be submitted. B. Optional Rating Using the Elevation Certificate Buildings located in AR and AR Dual zones, or constructed prior to publication of the initial Flood Insurance Rate Map (Pre-FIRM), can, at the option of the insured, be elevation-rated using Post-FIRM rates. The insured may select the more advantageous rate. In addition, the Elevation Certificate is optional in unnumbered A Zones (With or Without Estimated BFE), Zone AH, and Zone AO if the building has no basement or enclosure. LFG 2 May 1, 2006 SPECIAL CERTIFICATIONS This section presents detailed instructions for the completion of the National Flood Insurance Program (NFIP) Elevation Certificate and the NFIP Floodproofing Certificates. NOTE: When determining the lowest floor for rating, refer to the Lowest Floor Guide section of this manual. I. NFIP ELEVATION CERTIFICATE The NFIP Elevation Certificate (EC) form and instructions were revised effective February 13, 2006. The surveyor, engineer, architect, property owner, or owner’s representative is required to provide the square footage of the enclosed area below the lowest elevated floor (including an attached garage) and at least two photographs of the building when completing the EC to obtain flood insurance through the NFIP. This additional information will significantly enhance the agent’s and company underwriter’s ability to properly rate elevation-rated risks. The new EC form and instructions (shown on pages CERT 9-24) will be phased in on a voluntary basis until December 31, 2006. Elevations certified on or after January 1, 2007, must be submitted on the new form and must include at least two photographs. An exception is made to this requirement when the community official completes the old EC with elevation data received by the community before January 1, 2007. It must be noted in the Comments area of Section G that the community had the data on file before January 1, 2007. Non-NFIP elevation certification forms certified on or after October 1, 2000, do not satisfy NFIP requirements and cannot be used for rating policies under any circumstances. The EC is required on Post-FIRM construction, but is optional on Pre-FIRM construction. The EC is required by the NFIP to certify the lowest floor of a building so the policy can be properly rated, as follows (also see pages LFG 1-2): • All Post-FIRM structures The EC is to be completed by a land surveyor, engineer, or architect who is authorized by state or local law to certify elevation information when it is required for Zones A1-A30, AE, AH, A (with Base Flood Elevations [BFEs]), V1-V30, VE, and V (with BFEs). Community officials who are authorized by local law or ordinance to provide floodplain management information may also complete this form. For Zones AO and A (without BFEs), a building official, a property owner, or an owner’s representative may also provide the information on this certification. Building elevation information may be available through the community official if the community is a CRS participating community. The lowest adjacent grade and diagram number are required for all new business applications effective on or after October 1, 1997, if the elevation certification date is on or after October 1, 1997. • Pre-FIRM structures rated under Post-FIRM rates Pre-FIRM construction can be elevation rated using the Post-FIRM EC rates, which are more favorable rates if the lowest floor of the building is at or above the BFE for the community. In most cases, the lowest floor level of a Pre-FIRM building is below the BFE, and it would not benefit the insured to pay the cost for an EC in an attempt to secure a lower rate. The decision to obtain an EC and to request Post-FIRM rating of a Pre-FIRM building is an option of the insured. • AR and AR Dual Zones The EC is optional on all Post- and Pre-FIRM construction located in AR and AR dual zones. The decision to obtain an EC and to request Post-FIRM rating is at the discretion of the insured. The EC includes the AR and AR dual zone elevation requirements. Detailed instructions for completion are provided with the EC. The producer is to attach the original of the completed EC to the Application. A photocopy is to be forwarded to the policyholder and a copy is retained by the producer. II. USING THE ELEVATION CERTIFICATE: SPECIAL CONSIDERATIONS Section A – Property [Owner] Information • Section A of the EC includes the building use. This information is helpful in validating the data collected by the insurance agent, and the Flood Insurance Application information. CERT 1 May 1, 2006 • On the new EC, latitude, longitude, and • From the elevations gathered, the insurance related information are optional only if the agent is required to determine the lowest document is being certified by other than a floor for rating flood insurance. licensed surveyor, engineer, or architect. • If the new EC is being used to obtain flood As it relates to Section C, information found not insurance, and the certification date is on or to be applicable to the property being certified after January 1, 2007, the EC must be should be marked NA (not applicable) by the accompanied by at least two current surveyor, engineer, or architect. If any part of photographs of the building. Section C is left blank, critically review it and contact the surveyor, engineer, or architect who • For any crawl space, enclosure(s), or completed the form and your company attached garage, the new EC collects underwriter with any questions. square footage, number of flood openings within 1.0 foot above adjacent grade, and Elevation(s) of machinery and equipmenttotal area of flood openings in square servicing the building (e.g., water heater, inches. (A parking area located beneath an furnace, a/c compressor, heat pump, water elevated floor is not considered an attached pump) must be provided, regardless of its garage.) location, whether inside or outside of the The information found in Section A of the EC is building, elevated on a platform or non-elevated. critical, as it relates to the insured property. Should information be missing from Section A The surveyor, engineer, or architect may not be (except latitude, longitude, and related informa-able to gain access to some crawl spaces to tion), the certificate must be returned to the shoot the elevation of the crawl space floor. In surveyor, engineer, architect, or community this instance, Item C2.a on the new EC (C3.a on official who executed the form. These individuals the old EC) may be left blank and the estimated should be encouraged to fully complete Section measurements entered in the Comments area of A to avoid any delay in the issuance of the flood Section D. insurance policy. Elevations in Section C are based on feet, Section B – Flood Insurance Rate Map (FIRM) except in Puerto Rico, where the metric system Information is used. The agent must convert any metric elevation readings into feet before calculating The Flood Insurance Rate Map (FIRM) the flood insurance premium. information includes the following: Section D – Surveyor, Engineer, or Architect • FIRM panel effective date and revised date; Certification • Source of the BFE or base flood depth; Section D is the surveyor’s, engineer’s, or NOTE: The same elevation datum should architect’s certification that the information be used in determining all provided in Sections A, B, and C is certification elevations as was used representative of the certifier’s best efforts to in determining the BFE (i.e., NGVD interpret the data available. The surveyor’s, 1929 or NAVD 1988). engineer’s, or architect’s signature and identification number are required fields. Some • Coastal Barrier Resources System (CBRS) States also may require a seal. area or Otherwise Protected Area (OPA). NOTE: Refer to the Coastal Barrier Section E – Building Elevation Information Resources System section of this (Survey Not Required) for Zone AO and Zone manual for flood insurance A (Without BFE) coverage eligibility. Building Diagram Number (old EC) and the Section C – Building Elevation Information elevation difference between the lowest floor (Survey Required) and the lowest adjacent grade (new EC) and highest adjacent grade are required. Responsibilities for building elevation information are as follows. For Zone A (without a FEMA-issued or community-issued BFE) and Zone AO, a • The surveyor, engineer, or architect is property owner or owner’s authorized required to provide a number of elevations representative may complete Sections A, B, and based on the building type selected. E. CERT 2 May 1, 2006 Section F – Property Owner (or Owner’s Representative) Certification Address and other contact information about the property owner are requested in Section F. The party completing Sections A, B, C (on the old EC, Items C3.h and C3.i only), and E must execute Section F as well. Section G – Community Information (Optional) The local official who is authorized by law or ordinance to administer the community’s floodplain management ordinance may transfer elevation information found on existing documentation (i.e., an older elevation certification form, or surveyor letterhead) to Section C of the EC. The local official must then certify this information by fully completing Section G. A statement advising FEMA of this transfer of information must be made in the comment section of the newer EC. Section G may also be used to certify Item E4. III. FLOODPROOFING CERTIFICATE A. Purpose and Eligibility • In certain circumstances, floodproofing may be permitted as an alternative to elevating to or above the Base Flood Elevation (BFE); however, a floodproofing design certification is required. Certified floodproofing may result in lower rates. • Non-residential buildings in any community, in all locations except in V-Zones, may be floodproofed in lieu of elevating. • Residential buildings may be floodproofed only if they have basements, are located in Zones A1-A30, AE, AR, AR Dual, AO, and AH, and only if they are located in communities specifically approved and authorized by FEMA. A current list of approved communities appears on page CERT 4. • The allowable methods of floodproofing for non-residential buildings differ from those allowed for residential buildings. The specific requirements should be available from the local government. B. Specifications The specifications for floodproofing ensure that the building is watertight without human intervention, its floodproofed walls will not collapse, and the floor at the base of the floodproofed walls will resist flotation during flooding conditions. C. Rating In order to be eligible for lower rates, the insured must have a registered professional engineer or architect certify that the floodproofing conforms with the minimum floodproofing specifications of FEMA. This means that the building must be floodproofed to at least 1 foot above the BFE. If floodproofed to 1 foot above the BFE, flood depth, or comparable community approved floodplain management standards, it can then be treated for rating purposes as having a "0" elevation difference from the BFE. This certification must be submitted with the Flood Insurance Application. To further illustrate, if the building is certified to be floodproofed to 2 feet above the BFE, flood depth, or comparable community approved floodplain management standards, whichever is highest, then it is credited for floodproofing and is to be treated for rating purposes as having a "+1" foot elevation. See the Rating Section for special rating rules for Zones AO and AH. D. Certification • Residential Buildings (With Basements) The Residential Basement Floodproofing Certificate is available for residential buildings with basements located in Zones A1-A30, AE, AR, AR Dual, AO, AH, and A with estimated BFE and located in a FEMA- approved community that is listed on the next page. To receive credit for floodproofing, the completed certificate must be submitted. • Non-residential Buildings A completed Floodproofing Certificate for Non-residential Structures is required for all such buildings in Regular Program communities, located in Zones A1-A30, AE, AR, AR Dual, AO, AH, and A with estimated BFE, in order to receive credit for floodproofing in lieu of elevation. CERT 3 May 1, 2006 APPROVED COMMUNITIES FOR RESIDENTIAL BASEMENT FLOODPROOFING RATING CREDIT COMMUNITY NUMBER STATE/COMMUNITY NAME EFFECTIVE DATE1 COMMUNITY NUMBER STATE/COMMUNITY NAME EFFECTIVE DATE1 025009 160028 190488 190031 190309 200484 200323 200019 200131 200215 200334 200319 200316 200134 270267 275235 270080 275236 275244 270414 270273 270274 310069 310103 310100 310001 310239 310046 310039 310104 Alaska Fairbanks N. Star Borough Idaho Ammon, City of Iowa Clive, City of Independence, City of La Porte City, City of Kansas Colwich, City of Derby, City of Great Bend, City of Halstead, City of Lindsborg, City of Rossville, City of Salina, City of Saline County Sedgwick, City of Minnesota Alvarado, City of Clay County Dilworth, City of East Grand Forks, City of Moorhead, City of Roseau, City of Stephen, City of Warren, City of Nebraska Fremont, City of Grand Island, City of Hall County Hastings, City of North Bend, City of Schuyler, City of Sidney, City of Wood River, City of 2/28/73 6/8/90 4/24/81 9/7/89 6/12/89 1/17/86 2/15/832 8/10/83 7/8/83 11/7/94 2/18/92 3/6/86 1/14/86 5/19/862 2/28/85 3/28/75 8/29/83 5/15/862 2/12/76 7/14/92 5/10/83 9/24/82 1/25/79 7/29/80 2/10/80 7/8/83 10/15/98 9/17/91 12/4/84 1/12/82 360226 360232 380256 380020 385364 380137 380338 380259 380022 380023 380681 380263 380257 380324 380258 380024 460044 550612 550600 550020 550021 550022 550023 550309 New York Amherst, Town of Clarence, Town of North Dakota Barnes, Township of Casselton, City of Fargo, City of Grafton, City of Harwood, City of Harwood, Township of Horace, City of Mapleton, City of Oxbow, City of Pleasant, Township of Reed, Township of Reiles Acres, City of Stanley, Township of West Fargo, City of South Dakota Madison, City of Wisconsin Allouez, Village of Ashwaubenon, Village of Brown County Depere, City of Green Bay, City of Howard, Village of Shiocton, Village of 11/20/78 8/01/00 1/22/82 6/18/81 3/26/752 5/21/81 12/19/85 1/22/82 1/22/82 1/22/822 6/1/922 5/5/83 1/22/82 8/23/82 2/8/82 6/5/78 8/30/83 1/11/932 10/27/78 2/21/792 10/27/78 10/27/78 10/27/78 8/1/98 1 Effective date corresponds to the date of the letter from FEMA that granted the community’s exception request. 2 The date the community adopted floodproofing ordinances. CERT 4 May 1, 2006 CERT 5 May 1, 2006 CERT 6 May 1, 2006 CERT 7 May 1, 2006 ` CERT 8 May 1, 2006 NEW EDITION Voluntary-Use Date: February 13, 2006 Mandatory-Use Date: January 1, 2007 CERT 9 May 1, 2006 CERT 10 May 1, 2006 CERT 11 May 1, 2006 CERT 12 May 1, 2006 CERT 13 May 1, 2006 This page intentionally left blank. CERT 14 May 1, 2006 CERT 15 May 1, 2006 This page intentionally left blank. CERT 16 May 1, 2006 CERT 17 May 1, 2006 CERT 18 May 1, 2006 CERT 19 May 1, 2006 CERT 20 May 1, 2006 CERT 21 May 1, 2006 CERT 22 May 1, 2006 CERT 23 May 1, 2006 CERT 24 May 1, 2006 OLD EDITION CERT 25 May 1, 2006 CERT 26 May 1, 2006 CERT 27 May 1, 2006 CERT 28 May 1, 2006 CERT 29 May 1, 2006 CERT 30 May 1, 2006 CERT 31 May 1, 2006 CERT 32 May 1, 2006 CERT 33 May 1, 2006 CERT 34 May 1, 2006 CERT 35 May 1, 2006 PREFERRED RISK POLICY I. GENERAL DESCRIPTION The Preferred Risk Policy (PRP) offers low-cost coverage to owners and tenants of eligible buildings located in the moderate-risk B, C, and X Zones in NFIP Regular Program communities. The maximum one- to four-family residential coverage combination is $250,000 building and $100,000 contents. Up to $100,000 contents- only coverage is available for other residential properties. The maximum non-residential cov- erage combination is $500,000 building and $500,000 contents. Only one building can be insured per policy, and only one policy can be written on each building. II. ELIGIBILITY REQUIREMENTS A. Flood Zone To be eligible for building/contents coverage or contents-only coverage under the PRP, the building must be in a B, C, or X Zone on the effective date of the policy. The flood map available at the time of the renewal offer determines a building’s continued eligibility for the PRP. NFIP map grandfathering rules do not apply to the PRP. For the purpose of determining the flood zone, the agent may use the FIRM in effect at the time of application and presentment of premium. B. Occupancy Combined building/contents amounts of insurance are available for owners of single- family, two- to four-family, and non-residential properties. Combined building and contents coverage is not available for other residential. Contents-only coverage is available for tenants and owners of all eligible occupancies, except when contents are located entirely in a basement. C. Loss History A building's eligibility for the PRP is based on the preceding requirements and on the building’s flood loss history. If one of the following conditions exists, regardless of any change(s) in ownership of the building, then the building is not eligible for the PRP: • 2 flood insurance claim payments, each more than $1,000; or • 3 or more flood insurance claim payments, regardless of amount; or • 2 Federal flood disaster relief payments (including loans and grants), each more than $1,000; or • 3 Federal flood disaster relief payments (including loans and grants), regardless of amount; or • 1 flood insurance claim payment and 1 Federal flood disaster relief payment (including loans and grants), each more than $1,000. D. Exclusions • The PRP is not available in Special Flood Hazard Areas or in Emergency Program communities. • Other residential properties are not eligible for building coverage. • Contents located entirely in a basement are not eligible for contents-only coverage. However, contents located entirely in an enclosure are eligible. THE PRP AT A GLANCE POLICY TYPE OCCUPANCY/MAXIMUM LIMITS 1-4 Family Other Residential Non-Residential Combined Building/ Contents $250,000/ $100,000 No Coverage $500,000/ $500,000 Contents Only $100,000 $100,000 $500,000 NOTES: Condominium associations are not eligible for the Preferred Risk Policy. Individual condominium units are not eligible unless they qualify under one of the exceptions on page PRP 2. PRP 1 May 1, 2006 • Condominium associations, unit owners, and their tenants are not eligible for the PRP, except for: - A townhouse/rowhouse building insured under the unit owner’s name; - A detached, single-family dwelling insured under the unit owner's name. - Contents-only coverage for tenants occupying townhouse/rowhouse buildings or detached, single-family dwellings. • Increased Cost of Compliance (ICC) coverage is not available for condominium units. (See footnote 3 on page PRP 3.) III. DOCUMENTATION All Preferred Risk Policy new business applications must include documentation of eligibility for the PRP. Such applications must be accompanied by one of the following: • A Letter of Map Amendment (LOMA) • A Letter of Map Revision (LOMR) • A Letter of Determination Review (LODR) • A copy of the most recent flood map marked to show the exact location and flood zone of the building • A letter indicating the exact location and flood zone of the building, and signed and dated by a local community official • An elevation certificate indicating the exact location and flood zone of the building, and signed and dated by a surveyor, engineer, architect, or local community official • A flood zone determination certification that guarantees the accuracy of the information. An agent writing through a Write Your Own (WYO) company should contact that company for guidance. IV. RENEWAL An eligible risk renews automatically without submission of a new application. If, during a policy term, the risk fails to meet the eligibility requirements, it will be ineligible for renewal as a PRP. Such a risk must be nonrenewed or rewritten as a conventional Standard Flood Insurance Policy (SFIP). V. COVERAGE LIMITS The elevated building coverage limitation provisions do not apply to a policy written as a PRP. VI. REPLACEMENT COST COVERAGE Replacement cost coverage applies only if the building is the principal residence of the insured and the building coverage chosen is at least 80 percent of the replacement cost of the building at the time of the loss, or the maximum coverage available under the NFIP. VII. DISCOUNTS/FEES/ICC PREMIUM • No Community Rating System discount is associated with the PRP. • Probation fees will be charged. • The Federal Policy Fee of $11.00 is included in the premium and is not subject to commission. • The ICC premium is included. VIII. DEDUCTIBLES The standard deductible for PRPs is $500. Optional deductibles are not available for PRPs. IX. ENDORSEMENTS The PRP may be endorsed to: • Increase coverage mid-term, subject to the coverage limits in effect when the policy was issued or renewed. See page END 5 for an example. • Correct misratings, such as incorrect building description or community number. X. CONVERSION OF STANDARD RATED POLICY TO PRP DUE TO MISRATING A policy written as a Standard B, C, or X Zone policy and later found to be eligible for a PRP may be endorsed or rewritten as a PRP for only the current policy term. When the risk has been rated with other than B, C, or X Zone rates, but is later found to be in a B, C, or X Zone and eligible for a PRP, the writing company will be allowed to endorse or cancel/rewrite up to 6 years. The policy may be canceled/rewritten using Cancellation Reason Code 22 if both of the following conditions are met: • The request to endorse or cancel/rewrite the policy is received during the current policy term. • The policy has no open claim or closed paid claim on the policy term being canceled. PRP 2 October 1, 2005 PRP COVERAGES AVAILABLE EFFECTIVE MAY 1, 2004 ONE- TO FOUR-FAMILY RESIDENTIAL BUILDING AND CONTENTS COVERAGE COMBINATIONS1 With Basement or Enclosure Without Basement or Enclosure Building Contents Premium2,3 Building Contents Premium2,3 $ 20,000 $ 8,000 $137 $ 20,000 $ 8,000 $112 $ 30,000 $ 12,000 $163 $ 30,000 $ 12,000 $138 $ 50,000 $ 20,000 $205 $ 50,000 $ 20,000 $180 $ 75,000 $ 30,000 $232 $ 75,000 $ 30,000 $207 $100,000 $ 40,000 $263 $100,000 $ 40,000 $233 $125,000 $ 50,000 $279 $125,000 $ 50,000 $249 $150,000 $ 60,000 $294 $150,000 $ 60,000 $264 $200,000 $ 80,000 $331 $200,000 $ 80,000 $296 $250,000 $100,000 $352 $250,000 $100,000 $317 ALL RESIDENTIAL CONTENTS-ONLY COVERAGE1, 4 Contents Above Ground Level More Than One Floor All Other Locations (Basement-Only Not Eligible) Contents Premium2 Contents Premium2 $ 8,000 $ 39 $ 8,000 $ 61 $ 12,000 $ 53 $ 12,000 $ 86 $ 20,000 $ 81 $ 20,000 $116 $ 30,000 $ 93 $ 30,000 $131 $ 40,000 $105 $ 40,000 $146 $ 50,000 $117 $ 50,000 $156 $ 60,000 $129 $ 60,000 $166 $ 80,000 $153 $ 80,000 $181 $100,000 $177 $100,000 $196 NON-RESIDENTIAL BUILDING AND CONTENTS COVERAGE COMBINATIONS1 With Basement or Enclosure Without Basement or Enclosure Building Contents Premium2,3 Building Contents Premium2,3 $ 50,000 $ 50,000 $ 800 $ 50,000 $ 50,000 $ 500 $100,000 $100,000 $1,375 $100,000 $100,000 $ 800 $150,000 $150,000 $1,850 $150,000 $150,000 $1,050 $200,000 $200,000 $2,200 $200,000 $200,000 $1,300 $250,000 $250,000 $2,500 $250,000 $250,000 $1,500 $300,000 $300,000 $2,800 $300,000 $300,000 $1,700 $350,000 $350,000 $3,100 $350,000 $350,000 $1,850 $400,000 $400,000 $3,350 $400,000 $400,000 $2,000 $500,000 $500,000 $3,850 $500,000 $500,000 $2,300 NON-RESIDENTIAL CONTENTS-ONLY COVERAGE1, 4 Contents Above Ground Level More Than One Floor All Other Locations (Basement-Only Not Eligible) Contents Premium2 Contents Premium2 $ 50,000 $121 $ 50,000 $ 275 $100,000 $231 $100,000 $ 500 $150,000 $321 $150,000 $ 675 $200,000 $381 $200,000 $ 850 $250,000 $441 $250,000 $1,000 $300,000 $501 $300,000 $1,150 $350,000 $561 $350,000 $1,300 $400,000 $621 $400,000 $1,450 $500,000 $741 $500,000 $1,700 1Add the $50.00 Probation Surcharge, if applicable. 2Premium includes Federal Policy Fee of $11.00. 3Premium includes ICC premium of $1.00. Deduct this amount if the risk is a townhouse/rowhouse condominium unit or a contents-only policy. 4Contents-only policies are not available for contents located in basement only. NOTES: Condominium associations are not eligible for the Preferred Risk Policy. Individual condominium units are not eligible unless they qualify under one of the exceptions on page PRP 2. The deductibles apply separately to building and contents. Building deductible, $500. Contents deductible, $500. PRP 3 May 1, 2005 The new PRP building and/or contents coverage will be equal either to the building limit issued under the Standard B, C, or X Zone policy or the next higher limit available under the PRP if there is no PRP option equal to the Standard B, C, or X Zone building limit. For a standard contents- only policy, the contents coverage will be equal to the limit issued under the standard policy or the next higher limit. If building coverage is desired, the policy should be endorsed for building and contents coverage with a 30-day waiting period applied. XI. CONVERSION OF STANDARD RATED POLICY TO PRP DUE TO MAP REVISION, LOMA, OR LOMR A standard rated policy may be canceled and rewritten as a PRP as a result of a map revision, LOMA, or LOMR if the effective date of the map change was on or after February 1, 2005. The policy may be canceled/rewritten using Cancellation Reason Code 24 under the following conditions: • The request to cancel/rewrite the standard policy must be received during the policy term or within 6 months of the policy expiration date. • The standard policy has no open claim or closed paid claim on the policy terms being canceled. • The property meets all other PRP eligibility requirements. The building and/or contents coverage on the new PRP must be equal either to the building limit and/or contents limit issued under the standard policy, or to the next higher limit available under the PRP if there is no PRP option equal to the standard policy building and/or contents limit. XII. CONVERSION OF PRP TO STANDARD RATED POLICY A Preferred Risk Policy must be canceled and rewritten to a standard rated policy if the risk no longer meets the eligibility requirements for a PRP. The building and/or contents coverage on the new standard policy must be equal to the building limit and/or contents limit issued under the PRP. XIII. COMPLETING THE FLOOD INSURANCE PREFERRED RISK POLICY APPLICATION A. Policy Status In the upper right corner of the form, check the appropriate box to indicate if the application is for a NEW policy or a RENEWAL of an existing policy. If the application is for a renewal, enter the current NFIP policy number. B. Policy Term The PRP is available only for 1-year terms. 1. Check the appropriate box to indicate who should receive the renewal bill. If BILL FIRST MORTGAGEE is checked, complete "First Mortgagee" section. If BILL SECOND MORTGAGEE, BILL LOSS PAYEE, or BILL OTHER is checked, provide mailing instructions in "Second Mortgagee or Other" section. 2. Enter the policy effective date and policy expiration date (month-day-year). The effective date of the policy is determined by adding the appropriate waiting period to the date of application in the "Signature" section. The standard waiting period is 30 days. Refer to the General Rules section, page GR 8, for the applicable waiting period. C. Agent Information Enter the agent's (producer's) name, agency name and number, address, city, state, ZIP Code, telephone number, fax number, and Tax I.D. Number or Social Security Number. D. Insured’s Mailing Address 1. Enter the name, mailing address, city, state, ZIP Code, telephone number, and Social Security Number of the insured. 2. If the insured's mailing address is a post office box or a rural route number, or if the address of the property to be insured is different from the mailing address, complete the "Property Location" section of the application. E. Disaster Assistance 1. Check YES if flood insurance is being required for disaster assistance. Enter the insured's case file number, Tax I.D. Number, or Social Security Number on the line for CASE FILE NUMBER. 2. In the "Second Mortgagee or Other" block, identify the government (disaster) agency, and enter the complete name and mailing address of the disaster agency. 3. If NO is checked, no other information is required. F. First Mortgagee Enter the name, mailing address, city, state, ZIP Code, telephone number, and fax number of the first mortgagee. Enter the loan number. G. Second Mortgagee or Other 1. Identify additional mortgagees by checking the appropriate box and entering the loan number, mortgagee's name, mailing address, telephone number, and fax number. PRP 4 May 1, 2006 MORTGAGE PORTFOLIO PROTECTION PROGRAM I. BACKGROUND The Mortgage Portfolio Protection Program (MPPP) was introduced on January 1, 1991, as an additional tool to assist the mortgage lending and servicing industries in bringing their mortgage portfolios into compliance with the flood insurance requirements of the Flood Disaster Protection Act of 1973. The MPPP is not intended to act as a substitute for the need for mortgagees to review all mortgage loan applications at the time of loan origination and comply with flood insurance requirements as appropriate. Proper implementation of the various requirements of the MPPP usually results in mortgagors, after their notification of the need for flood insurance, either showing evidence of such a policy, or contacting their local insurance agent or appropriate Write Your Own (WYO) company to purchase the necessary coverage. It is intended that flood insurance policies be written under the MPPP only as a last resort, and only on mortgages whose mortgagors have failed to respond to the various notifications required by the MPPP. MORTGAGE PORTFOLIO PROTECTION PROGRAM RATE AND INCREASED COST OF COMPLIANCE (ICC) TABLE ZONE MPPP Rates per $100 of Building Coverage MPPP Rates per $100 of Contents Coverage ICC Premium for $30,000 Coverage Emergency Program Community 2.52 / 1.26 2.65 / 1.26 N/A A Zones - All building & occupancy types, except A99, AR, AR Dual Zones 2.52 / 1.26 2.65 / 1.26 75.00 V Zones - All building & occupancy types 3.92 / 3.92 3.68 / 3.68 75.00 A99 Zone, AR, AR Dual Zones .67 / .40 .89 / .35 6.00 NOTES: (1) ICC coverage does not apply to contents-only policies or to individually owned condominium units insured under the Dwelling Form or General Property Form. (2) The ICC premium is not eligible for the deductible discount. First calculate the deductible discount, then add in the ICC premium. (3) Add Federal Policy Fee and Probation Surcharge, if applicable, when computing the premium. (4) MPPP policies are not eligible for Community Rating System premium discounts. MPPP 1 May 1, 2006 II. REQUIREMENTS FOR PARTICIPATING IN THE MPPP The following paragraphs represent the criteria and requirements that must be followed by all parties engaged in the sale of flood insurance under the National Flood Insurance Program's Mortgage Portfolio Protection Program. A. General 1. All mortgagors notified, in conjunction with this Program, of their need to purchase flood insurance must be encouraged to obtain a Standard Flood Insurance Policy (SFIP) from their local agent. 2. When a mortgagee or a mortgage servicing company discovers, at any time following loan origination, that one or more of the loans in its portfolio is determined to be located in a Special Flood Hazard Area (SFHA), and that there is no evidence of flood insurance on such property(ies), then the MPPP may be used by such lender/servicer to obtain (force place) the required flood insurance coverage. The MPPP process can be accomplished with limited underwriting information and with special flat flood insurance rates. 3. In the event of a loss, the policy will have to be reformed if the wrong rate has been applied for the zone in which the property is located. Also, the amount of coverage may have to be changed if the building occupancy does not support that amount. 4. It will be the WYO company's responsibility to notify the mortgagor of all coverage limitations at the inception of coverage and to impose those limitations that are applicable at the time of loss adjustment. B. WYO Arrangement Article III—Fees With the implementation of the MPPP, there is no change in the method of WYO company allowance from that which is provided in the Financial Assistance/Subsidy Arrangement for all flood insurance written. C. Use of WYO Company Fees for Lenders/Servicers or Others 1. No portion of the allowance that a WYO company retains under the WYO Financial Assistance/ Subsidy Arrangement for the MPPP may be used to pay, reimburse or otherwise remunerate a lending institution, mortgage servicing company, or other similar type of company that the WYO company may work with to assist in its flood insurance compliance efforts. 2. The only exception to this is a situation where the lender/ servicer may be actually due a commission on any flood insurance policies written on any portion of the institution's portfolio because it was written through a licensed property insurance agent on their staff or through a licensed insurance agency owned by the institution or servicing company. D. Notification 1. WYO Company/Mortgagee— Any WYO company participating in the MPPP must notify the lender or servicer, for which it is providing the MPPP capability, of the requirements of the MPPP. The WYO company must obtain signed evidence from each such lender or servicer indicating their receipt MPPP 2 May 1, 2005 GENERAL CHANGE ENDORSEMENT The NFIP General Change Endorsement form cannot be used to renew, extend, or change a policy term. However, the General Change Endorsement form, or a similar form for WYO companies, can be used to make certain types of coverage and rating changes or corrections to existing policy data. I. ENDORSEMENT RULES A. Coverage Endorsements 1. Additional Coverage or Increase in Amount of Insurance Added coverage, or an increase in the amount of insurance, is permitted at any time during a policy term. The additional premium is calculated pro rata for the balance of the policy term, at either the rate in effect on the endorsement effective date or the rate in effect on the policy effective date, in accordance with each WYO company’s standard business practice. (See Examples 1 through 4 at the end of this section.) Refer to the General Rules section, page GR 8, for the applicable waiting period. 2. Reduction of Insurance A reduction in the amount of building insurance cannot be made unless part of the building has been removed, which reduces the building’s value to less than the amount of the building insurance, or a current appraisal or cost estimate is provided which shows that the building’s current coverage amount is higher than the estimated replacement cost of the building. (See Example 6 at the end of this section.) A reduction in the amount of contents insurance cannot be made unless some of the contents have been sold or removed, which reduces the contents’ value to less than the amount of the contents insurance. 3. Removal of a Coverage There is no return premium for the removal of building or contents coverage unless the property is no longer at the described location or the property of the policyholder. (See Example 5 at the end of this section.) B. Rating Endorsements 1. Rate Reduction It is not permissible to revise a policy's rating during a policy term, due to a rate decrease, unless the effective date of the rate change is prior to the policy's effective date. 2. Rating Error The NFIP rules require that the policy must be in effect in order to process refunds. a. Current Term Refunds Corrections will be allowed for only the current year for failure of the WYO company or NFIP Direct to: • Use the map grandfather rule. • Use the V-Zone Risk Factor Rating Form. The endorsement effective date is either the date the V-Zone Risk Factor Rating Form was certified or the effective date of the current policy year, whichever is later. • Make a timely revision of alternative rates (rates used for Pre-FIRM rated risks where the zone is unknown). • Use Post-FIRM rating for a Pre- FIRM structure. The refund will be processed if the insured provides an Elevation Certificate. The endorsement effective date is the effective date of the current policy year. • Use an Elevation Certificate on Post-FIRM buildings rated using “Without Certification of Compliance or Elevation Certificate” for Zones AO and AH, or “No Elevation Certificate or No Estimated BFE” for Unnumbered A Zone. The en- dorsement effective date is the effective date of the current policy term. b. Current and One Prior Term Refunds Premium refunds will be allowed for the current and 1 prior policy year when an incorrect flood zone and/or Base Flood END 1 May 1, 2006 Elevation was used at the time the policy was issued and the current FIRM shows a more hazardous zone or higher Base Flood Elevation. 3. Revision of an Alternative Rating Alternative rating is used to compute the premium on a Renewal Notice following conversion of a community from the Emergency Program to the Regular Program. Alternative rates are also used by producers for the rating of Pre-FIRM construction. Alternative rating allows the producer and the policyholder 1 year to revise the rating, so a premium refund can be obtained from the renewal or inception date if it is determined that the insured property is located in a lower rated zone. During subsequent policy terms, such revisions may also be made effective with the start of the policy term. 4. Map Revision A map change (reprinting, Letter of Map Amendment [LOMA], Letter of Map Revision [LOMR], or Letter of Determination Review [LODR]) may change the flood zone in which a property is located to a lower rated zone, or it may change the Base Flood Elevation. In such cases, the policy rating may be revised for the current and prior policy years if the change occurred prior to the current policy year. When a community has been converted from the Emergency Program to the Regular Program, the policy rating may be revised to reflect the correct flood zone. However, no premium refund is allowed on premium previously paid. C. Misrated Policy Premium refunds will be allowed with proper documentation (see III.B.2.a.) going back a maximum of 6 calendar years when there was a misrating such as an incorrect building description, lowest floor elevation, community number, flood zone, or Base Flood Elevation, so long as the insured can provide proof of the misrating. The flood zone and Base Flood Elevation can only be corrected using the current FIRM. Any lapse in coverage does not extend the number of years the premium refund is allowed. D. Conversion of Standard Rated Policy to PRP Due to Misrating or Map Revision A policy written as a Standard B, C, or X Zone policy and later found to be eligible for a PRP may be endorsed or rewritten as a PRP for only the current policy term. When the risk has been rated with other than B, C, or X Zone rates, but is later found to be in a B, C, or X Zone and eligible for a PRP, the writing company will be allowed to endorse or cancel/rewrite up to 6 years. The policy may be canceled/rewritten using Cancellation Reason Code 22 if both of the following conditions are met: • The request to endorse or cancel/rewrite the policy is received during the current policy term. • The policy has no open claim or closed paid claim. The new PRP building coverage will be equal either to the building limit issued under the Standard B, C, or X Zone policy or the next higher limit available under the PRP if there is no PRP option equal to the Standard B, C, or X Zone building limit. E. Changing Deductibles Increasing deductibles is permitted during the current policy term. (See Example 7 at the end of this section.) Deductibles cannot be reduced mid-term, unless required by the mortgagee and written authorization is provided by the mortgagee. A 30-day waiting period will apply unless the request to reduce the deductible is in connection with making, extending, or renewing a loan. The ICC premium is not eligible for the deductible discount or surcharge. First calculate the deductible discount or surcharge, then add in the ICC premium, for each policy year. F. Correcting Property Address A policy cannot be endorsed to change the location. This includes relocation from one unit to another unit in the same building. However, an erroneous address (e.g., through typographical error) can be corrected through endorsement. The agent must provide proof or a reasonable explanation for the error. END 2 May 1, 2005 EXAMPLE 2 INCREASING COVERAGE, PROGRAM CONVERSION • Policy term is January 15, 2006-2007 • Single family dwelling, no basement, Pre-FIRM • Present coverage: Building $35,000/ Contents $10,000 • Policy conversion date from Emergency to Regular Program: July 15, 2006 • Building located in an A99 Zone • Premium rates are: Building .64/.17, Contents .99/.30. • Endorsement effective date is August 14, 2006. (The Emergency Program premiums that already exist on this policy are earned for the remainder of the policy term; they are not refundable.) • The coverages being added are $50,000 on the building and $15,000 on the contents for a total of $85,000 on the building and $25,000 on the contents; and $30,000 coverage for ICC. • To increase coverage, complete Sections A and B. Section A is for current coverage, Section B should show only the amounts of the increases. • $15,000 of the $50,000 coverage to be added on the building must be calculated in the “Amount” column under Section B, “Increased-Decreased Coverage Only” (using the applicable rate) to amend the present coverage to the threshold for the Regular Program basic limits. • $10,000 of the $15,000 coverage to be added on the contents must be calculated under the “Amount” column under Section B, “Increased- Decreased Coverage Only” (using the applicable rate) to amend the present coverage to the threshold for the Regular Program basic limits. • Add Sections A and B premiums to obtain the New Premium Subtotals. • Add the ICC premium, which was not paid in the Emergency Program. • The Premium Previously Paid is $362 (excluding ICC/Probation Surcharge/Federal Policy Fee). • Subtract the Premium Previously Paid from the Premium Total to obtain the Difference (additional/return premium). • Prorate the Difference Time period is August 14, 2006, to January 15, 2007 Number of days is 154 Pro rata factor is .422 INSURANCE COVERAGE SECTION A CURRENT COVERAGE + INCREASED SECTION B — DECREASED COVERAGE ONLY NEW PREMIUM TOTALS AMOUNT RATE PREMIUM AMOUNT RATE PREMIUM BUILDING BASIC 35,000 .76 266 15,000 .64 96 362 BUILDING ADDITIONAL 35,000 .17 60 60 CONTENTS BASIC 10,000 .96 96 10,000 .99 99 195 CONTENTS ADDITIONAL 5,000 .30 15 15 IF CHANGING AMOUNT OF INSURANCE, ENTER NEW TOTAL AMOUNT BELOW PAYMENT OPTION: SUBTOTAL 632 BUILDING COVERAGE CONTENTS COVERAGE .. CREDIT CARD DEDUCT. DISCOUNT/SURCHARGE . BASIC ADDITIONAL TOTAL BASIC ADDITIONAL TOTAL .. OTHER: SUBTOTAL 632 50,000 35,000 85,000 20,000 5,000 25,000 ICC PREMIUM 6 SUBTOTAL 638 IF RETURN PREMIUM, MAIL REFUND TO: . INSURED . AGENT . PAYOR. THE ABOVE CRS PREMIUM DISCOUNT ____% . STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT SUBTOTAL 638 ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. PREMIUM PREVIOUSLY PAID (Excludes Probation Surcharge/ Federal Policy Fee) 362 DIFFERENCE + (+/-) +276 SIGNATURE OF INSURED AND DATE SIGNATURE OF INSURANCE AGENT/BROKER DATE (MMDDYY) PRO RATA FACTOR .422 TOTAL (+/-) +116 END 7 May 1, 2006 EXAMPLE 3 INCREASING COVERAGE • Policy term is December 12, 2005-2006 • $10,000 of the $15,000 coverage to be added on the contents must be calculated under the • Single family dwelling, no basement “Amount” column under Section B, “Increased• • Pre-FIRM Building Building located in Zone C Decreased Coverage Only” (using the applicable rate) to amend the present coverage to the threshold for the Regular Program basic limits. • Present coverage: Building $35,000/ Contents $10,000 • Add Section A and B premiums to obtain the New Premium Totals. • Add the New Premium Totals to calculate the • Endorsement is effective on May 1, 2006, to add additional coverage of $65,000 on the building and $15,000 on the contents for a total of • Premium Subtotal. Add in the ICC Premium. • $100,000 building coverage and $25,000 contents coverage. Premium rates are: Building .64/.17, Contents .99/.30. • The Premium Previously Paid is $329 (excluding Probation Surcharge/Federal Policy Fee) which is the total current annual premium including ICC premium. • To increase coverage, complete Sections A and B. Section A is for current coverage. Section B should show the amount of the coverage increase only. • • Subtract the Premium Previously Paid from the Premium Total to obtain the Difference (should be additional/return premium). Prorate the Difference • $15,000 of the $50,000 coverage to be added on the building must be calculated in the “Amount” column under Section B, “Increased-Decreased Time period is May 1, 2006, to December 12, 2006 Coverage Only” (using the applicable rate) to amend the present coverage to the threshold for the Regular Program basic limits. Number of days is 225 Pro rata factor is .616 INSURANCE COVERAGE SECTION A CURRENT COVERAGE + INCREASED SECTION B — DECREASED COVERAGE ONLY NEW PREMIUM TOTALS AMOUNT RATE PREMIUM AMOUNT RATE PREMIUM BUILDING BASIC 35,000 .64 224 15,000 .64 96 320 BUILDING ADDITIONAL 50,000 .17 85 85 CONTENTS BASIC 10,000 .99 99 10,000 .99 99 198 CONTENTS ADDITIONAL 5,000 .30 15 15 IF CHANGING AMOUNT OF INSURANCE, ENTER NEW TOTAL AMOUNT BELOW PAYMENT OPTION: SUBTOTAL 618 BUILDING COVERAGE CONTENTS COVERAGE .. CREDIT CARD DEDUCT. DISCOUNT/SURCHARGE . BASIC ADDITIONAL TOTAL BASIC ADDITIONAL TOTAL .. OTHER: SUBTOTAL 618 50,000 50,000 100,000 20,000 5,000 25,000 ICC PREMIUM 6 SUBTOTAL 624 IF RETURN PREMIUM, MAIL REFUND TO: . INSURED . AGENT . PAYOR. THE ABOVE CRS PREMIUM DISCOUNT ____% . STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT SUBTOTAL 624 ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. PREMIUM PREVIOUSLY PAID (Excludes Probation Surcharge/ Federal Policy Fee) 329 DIFFERENCE + (+/-) +295 SIGNATURE OF INSURED AND DATE SIGNATURE OF INSURANCE AGENT/BROKER DATE (MMDDYY) PRO RATA FACTOR .616 TOTAL (+/-) +182 END 8 May 1, 2006 EXAMPLE 4 INCREASING COVERAGE AFTER A RATE CHANGE • Policy term is July 15, 2005-2006 • Single family dwelling, Regular Program • One floor, no basement • Current policy limits: Building $30,000 Contents $8,000 • Building located in an AE Zone, Post-FIRM • Premium rates are: Building 1.19, Contents 1.10 • Post-FIRM construction with a 0 elevation difference • Endorsement effective date is May 15, 2006 • The coverages being added are $15,000 on the building and $7,000 on contents for a total of $45,000 building coverage and $15,000 contents coverage. • A rate increase takes effect on May 1, 2006. • Rates in effect on the effective date of the policy are to be used. • In Section A, enter the basic limits and rates for building and contents in effect at the beginning of the policy term. • In Section B, enter the $15,000 basic building amount, and the applicable rate (1.19). (See page END 1, “Additional Coverage or Increase in Amount of Insurance.” Companies are allowed to use either rates in effect at policy inception or rates in effect at endorsement effective date.) • In Section B, enter the $7,000 basic contents amount and the applicable rate (1.10). • Add Sections A and B premiums to obtain the New Premium Totals. • Add the New Premium Totals to calculate the Premium Subtotal. • Add in the ICC Premium. • The Premium Previously Paid is $418 (excluding Probation Surcharge/Federal Policy Fee), which is the total current annual premium including ICC premium. • Subtract the Premium Previously Paid from the Premium Total to obtain the Difference (should be additional/return premium). • Prorate the Difference Time period is May 15, 2006, to July 15, 2006 Number of days is 61 Pro rata factor is .167 INSURANCE COVERAGE SECTION A CURRENT COVERAGE + INCREASED SECTION B — DECREASED COVERAGE ONLY NEW PREMIUM TOTALS AMOUNT RATE PREMIUM AMOUNT RATE PREMIUM BUILDING BASIC 30,000 1.08 324 15,000 1.19 179 503 BUILDING ADDITIONAL CONTENTS BASIC 8,000 1.10 88 7,000 1.10 77 165 CONTENTS ADDITIONAL IF CHANGING AMOUNT OF INSURANCE, ENTER NEW TOTAL AMOUNT BELOW PAYMENT OPTION: SUBTOTAL 668 BUILDING COVERAGE CONTENTS COVERAGE .. CREDIT CARD DEDUCT. DISCOUNT/SURCHARGE . BASIC ADDITIONAL TOTAL BASIC ADDITIONAL TOTAL .. OTHER: SUBTOTAL 668 45,000 0 45,000 15,000 0 15,000 ICC PREMIUM 6 SUBTOTAL 674 IF RETURN PREMIUM, MAIL REFUND TO: . INSURED .. AGENT . PAYOR. THE ABOVE CRS PREMIUM DISCOUNT ____% . STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT SUBTOTAL 674 ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. PREMIUM PREVIOUSLY PAID (Excludes Probation Surcharge/ Federal Policy Fee) 418 DIFFERENCE + (+/-) +256 SIGNATURE OF INSURED AND DATE SIGNATURE OF INSURANCE AGENT/BROKER DATE (MMDDYY) PRO RATA FACTOR .167 TOTAL (+/-) +43 END 9 May 1, 2006 EXAMPLE 5 REMOVING CONTENTS • Policy term is May 20, 2005-2006 • Enter the decrease in contents coverage in Section B. • Non-residential structure • Add all New Premium Totals to obtain the • Emergency Program Premium Subtotal. • • Policy limits: Building $100,000/Contents $100,000 Insured purchased a new business location and moved the contents to the new location while still • The Premium Previously Paid is $2,450 (excluding Probation Surcharge/Federal Policy Fee), which is the total current premium from Section A. retaining the old location as rental property. (This explanation should be recorded in the Reason for Change section of the General Change Endorsement form.) • • Subtract the Premium Previously Paid from the Premium Total to obtain the Difference (should be additional/return premium). Prorate the Difference • • Present rates for building and contents are .83/1.62. Removal date and effective date of change is January 14, 2006. Time period is January 14, 2006, to May 20, 2006 Number of days is 126 Pro rata factor is .345 • Enter the current building and contents coverages in Section A and the current rates (.83/1.62). INSURANCE COVERAGE SECTION A CURRENT COVERAGE + INCREASED SECTION B — DECREASED COVERAGE ONLY NEW PREMIUM TOTALS AMOUNT RATE PREMIUM AMOUNT RATE PREMIUM BUILDING BASIC 100,000 .83 830 0 830 BUILDING ADDITIONAL CONTENTS BASIC 100,000 1.62 1,620 -100,000 1.62 -1,620 0 CONTENTS ADDITIONAL IF CHANGING AMOUNT OF INSURANCE, ENTER NEW TOTAL AMOUNT BELOW PAYMENT OPTION: SUBTOTAL 830 BUILDING COVERAGE CONTENTS COVERAGE .. CREDIT CARD DEDUCT. DISCOUNT/SURCHARGE . BASIC ADDITIONAL TOTAL BASIC ADDITIONAL TOTAL .. OTHER: SUBTOTAL 830 . . 100,000 . . 0 ICC PREMIUM . SUBTOTAL 830 IF RETURN PREMIUM, MAIL REFUND TO: . INSURED .. AGENT . PAYOR. THE ABOVE CRS PREMIUM DISCOUNT ____% . STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT SUBTOTAL 830 ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. PREMIUM PREVIOUSLY PAID (Excludes Probation Surcharge/ Federal Policy Fee) 2,450 DIFFERENCE (+/-) -1,620 SIGNATURE OF INSURED AND DATE SIGNATURE OF INSURANCE AGENT/BROKER DATE (MMDDYY) PRO RATA FACTOR .345 TOTAL (+/-) -559 END 10 May 1, 2005 POLICY RENEWALS I. GENERAL INFORMATION The Standard Flood Insurance Policy is not a continuous policy. Each policy contract expires at 12:01 a.m. on the last day of the policy term. Renewal of an expiring policy establishes a new policy term and new contractual agreement between the policyholder and the Federal Emergency Management Agency. The NFIP must issue a notice of expiration not less than 45 days before the expiration of the flood insurance policy by first class mail to the owner of the property, the servicer of any loan secured by the property, and (if known) the owner of the loan. All policies, including Submit-for-Rate, must be renewed using the rates in effect on the renewal date. Policy renewal documentation and premium should be submitted to the NFIP in advance of the policy expiration date to ensure there is no lapse in coverage. There are two ways to renew a policy written directly with the National Flood Insurance Program or WYO Company: 1. The producer should complete the entire Flood Insurance Application when recertifying or changing policy information, and mail it with the Total Prepaid Amount to the NFIP. The 30-day waiting period applies when an additional amount of insurance requested at renewal time is higher than the amount listed on the renewal bill provided by the insurer. The beginning of the waiting period is determined by the standard rules. OR 2. The payor should respond to a Renewal Notice by selecting an option shown on the direct mail notice and returning it with the Total Prepaid Amount to the NFIP. II. RENEWAL NOTICE All parties listed on the policy (insured, agent, mortgagees) are mailed a Renewal Notice 45 days prior to the policy expiration date. The party designated on the policy record as the payor receives the payor’s copy of the bill; all other parties receive a copy that states “THIS IS NOT A BILL.” A. Renewing for the Same Coverage – Option A Option A of the Renewal Notice shows current amounts of insurance and deductibles at the time the Renewal Notice is printed B. Inflation Factor – Option B Option B shows premium for amounts of insurance increased by an inflation factor of 10 percent for building coverage and 5 percent for contents coverage. The current deductible is used. For Preferred Risk Policies, Option B is the next higher coverage package available. There is no waiting period if Option B is chosen. The inflation option will be no higher than the replacement cost on record for that policy. If coverage higher than the current replacement cost on record is desired, updated replacement cost documentation must be submitted. C. No Renewal Notice Generated Renewal Notices will not be generated for the following situations: 1. Building under construction 2. Tentatively rated policy 3. Suspended community 4. Provisional rating 5. Group Flood Insurance policy 6. PRP ineligibility 7. Section 1316 property III. PREMIUM PAYMENT DUE To ensure that the policy is renewed without a lapse in coverage, the premium must be received by the NFIP within 30 days after the expiration date. As an alternative, the premium can be mailed by certified mail within 30 days after the expiration date. The term “certified mail” has been broadened to include not only the U.S. Postal Service but also certain third-party delivery services. For details, see the paragraph following VIII.B.2. on page GR 8. Renewal payments may also be paid by VISA, MasterCard, American Express, or Diners Club. Use the detachable payment stub at the bottom of the Renewal and Final Notices, or use the Credit Card Payment Form at the end of this section. The form is also available in the Forms Library on the NFIP Servicing Agent’s web site at www.nfipservices.com. If a charge is declined, you will be notified by mail. REN 1 May 1, 2006 IV. FINAL NOTICE If the premium payment is not received by the NFIP by the date of expiration, a Final Notice is produced. This notice is mailed to the producer, insured, and mortgagee. The expired policy will be reissued with a new effective date if the premium payment is not received by the NFIP within 30 days following the policy expiration date. Mortgagee protection under the policy shall continue in force after the expiration of the policy for 30 days from the mailing date. V. RENEWAL EFFECTIVE DATE DETERMINATION Renewal dates are calculated as follows: • If the Final Notice and the premium payment are received by the NFIP within 30 days following the expiration, the policy will be issued under the same policy number as the previous term, with no lapse in coverage. For example, if the policy expires on May 1, the Final Notice and premium payment must be received on or before May 30. • If the Final Notice and the premium payment are received by the NFIP after the 30-day period, but within 90 days following the expiration, the policy will be placed in force 30 days following receipt by the NFIP. • If the Final Notice and the premium payment are received after 90 days following the expiration date, the agent must submit a new application with the full annual premium. The standard 30-day wait rules will apply. VI. INSUFFICIENT RENEWAL INFORMATION To generate Renewal Notices and Final Notices, the NFIP must have received acceptable application data. A Renewal Notice will not be generated in cases where a policy application has not been corrected prior to the start of a renewal cycle. Therefore, it is important that producers respond immediately to the requests for additional information. VII. ENDORSEMENTS DURING RENEWAL CYCLE Endorsements received at the NFIP within 75 days of the policy expiration date may not be reflected on the renewal bill. The producer should, therefore, ensure that the new policy is properly endorsed after renewal. The producer should use a renewal application to ensure that all changes are reflected on the renewal. VIII. REPETITIVE LOSS TARGET GROUP PROPERTIES These must be processed by the NFIP Special Direct Facility. See the Repetitive Loss section of this manual for information. REN 2 May 1, 2005 CLAIMS I. INSURED'S RESPONSIBILITIES In the event of loss, the insured is required to: • Give written notice of loss to the National Flood Insurance Program (NFIP) or the applicable WYO Company, as soon as practicable, using the NFIP Notice of Loss form or similar form; • Exhibit all remains of the property, as required; • If requested, submit to an examination under oath, as required; • Provide evidence and documentation to substantiate the loss, as required; and • File a Proof of Loss within 60 days of the loss, unless this requirement is waived by the Federal Emergency Management Agency (FEMA). The NFIP has a standard Proof of Loss form which the adjuster assigned to the loss may provide and assist the insured in completing. However, independent adjusters do not have the authority either to approve or to deny claims. Adjusters' recommendations for payment or denial are not binding on the NFIP or the WYO Company and are subject to approval and correction by the NFIP or the WYO Company staff. The Proof of Loss form may be waived on claims for less than $7,500. In this case, the insured will be required to sign the NFIP Final Report form, which summarizes the loss and claim figures. II. PRODUCER'S RESPONSIBILITIES Producers may assign any NFIP Direct claim to an NFIP-approved independent adjuster except: • When, in major flooding disasters, the Flood Insurance Claims Office (FICO) makes all assignments. • When an Adjuster Control Office is established. • When a Claims Coordinating Office (CCO) is established. Failure to indicate the assigned adjuster on the loss notice, or assignment of an adjuster who is not authorized by the NFIP, will delay the adjustment process and may result in duplicate adjuster assignments. When it appears that a situation is serious enough that a FICO may be necessary, the NFIP will notify producers and producer trade associations in the affected area (using the broadcast media and press releases) as soon as possible to hold their loss notices unassigned until further instructions are received. In the case of a WYO Company claim, the WYO Company's producer will follow the established procedures when assigning an adjuster. III. SINGLE ADJUSTER PROGRAM IMPLEMENTATION A. Schedule and Notification FEMA and various Coastal Plans will determine whether a catastrophe event will necessitate a Single Adjuster Program (SAP) response. The National Weather Service declaration of a tropical storm or hurricane event will begin the watch for possible single adjuster response. When the storm is 48 hours from landfall, this will initiate FEMA’s approval of the SAP response. During that time, the NFIP Bureau and Statistical Agent’s General Adjusters will be deployed to strategic areas close to where the storm is predicted to strike. At landfall, they will be able to immediately assess the damage impact from the storm. No later than 24 hours after landfall, the WYO Companies will be advised by telephone, fax, or e-mail through their designated Single Adjuster Liaison, as to the areas and state(s) that will be activated. At that point, the WYO Companies will be asked to immediately notify their agents of the SAP procedures in reporting the claims. The NFIP Bureau and Statistical Agent will notify the WYO Companies by telephone, fax, or e-mail to have their agency staff submit all flood losses that are reasonably believed to involve wind and flood damage to the State Coastal Plans (i.e., Windpool, Fairplan, Beachplan). CL 1 May 1, 2006 The NFIP will notify all SAP Liaisons of the Claims Coordinating Office’s (CCO) location, telephone number, fax number, and address, if the CCO does not co-locate with the State Coastal Plans. When the CCO is operational, the WYO companies will be notified of all assigned claims. Notice of losses reflecting the assigned adjusting firms will be faxed each day. Once the assignment is made and communicated to each company, the WYO Company will manage its own loss adjustment. However, the Catastrophe CCO will ensure that the adjuster receives a copy of the loss assignments, the name of the WYO Company, and the SAP Liaison telephone number. B. Training The NFIP Bureau and Statistical Agent Claims Coordinator and FEMA will annually conduct coordination training sessions, both pre- and post-event, in conjunction with the State Coastal Plans, adjusters, state and local officials, and insurers to train all participants. These training sessions will include regional issues, the State Coastal Plans' procedures, confirmation of coverages for SAP losses, closed without payment (CWOP) procedures, adjuster resources, and duplicate assignments, etc. The NFIP Bureau and Statistical Agent will continue to provide training for specific problems and situations that may arise during a catastrophe event. FEMA suggests that within the first 48 hours, or whenever applicable, an adjuster briefing should be conducted for all SAP adjusters and adjusting firms to ensure that they understand program procedures. Guidelines contained in the NFIP Adjuster Claims Manual provide details to address particular claims issues. This document is available on the web at www.fema.gov/nfip under “Information for Claims Adjusters.” C. Producer Responsibilities 1. When directed by FEMA, the producer will have no authority to assign any losses involving a flood policy when there is a reasonable belief that there is flood and wind damage, and will report the losses on the combined Wind/Flood loss notice to the Stationary CCO, with wind coverage information. 2. NFIP/WYO insurers insuring both the flood and the wind loss should not report the combined loss to the CCO, but will assign their own single adjuster. 3. The producers will report their flood losses via fax to the established CCO, along with wind coverage information in every instance except those mentioned above. In all cases the producer should send a copy of the loss notice to the insurer. 4. All separate wind losses insured by a WYO company where a flood policy exists will be reported to the CCO for assignment to qualified adjusting firms at the CCO. 5. Upon loss assignment, the insurer will be advised of the assigned adjusting firm by modem transfer, fax, or mail. 6. These procedures relate to assignment of claims only. Insurers may perform other procedures in accordance with their standard business practices. IV. INCREASED COST OF COMPLIANCE (ICC) CLAIMS The producer should become familiar with the ICC aspects of the flood program. He/she can do this by attending an NFIP ICC workshop or reading the NFIP literature distributed by FEMA. Information concerning ICC claims may be obtained from your WYO company or NFIP Direct. CL 2 May 1, 2006 FLOOD MAPS I. OVERVIEW The Federal Emergency Management Agency (FEMA) provides all participating communities with copies of their flood maps. The maps are generally kept in community planning or building permit departments where they should be available for review. Additional information about flood maps can be obtained at the FEMA Map Service Center web site (http://msc.fema.gov). A. Types of Flood Maps FEMA produces two types of maps for rating flood insurance. For detailed information, refer to "Answers to Questions About the National Flood Insurance Program" (MitDiv-2) and "Guide to Flood Maps" (FEMA–258). 1. Flood Hazard Boundary Map (FHBM)- Initial flood hazard identification generally used for Emergency Program communities. 2. Flood Insurance Rate Map (FIRM)- Generally used for Regular Program communities. Some Regular Program communities may use a map originally published as an FHBM; however, a letter will accompany the map in conjunction with conversion to the Regular Program stating that the map is to be considered a FIRM. Countywide FIRMs are official sources of flood risk data for several communities that supersede all previous versions of the FEMA flood hazard maps for the communities covered. Countywide FIRMs show flooding information for the entire geographic area of a county including the incorporated communities within the county. B. Map Information The date of the current effective map version for a community can be obtained by calling the appropriate community official or by calling the National Flood Insurance Program office on the toll-free number. Maps provide community name, community number, suffix, panel number, map type, and the map effective date. 1. The maps may have one panel or multiple panels. Most Z-fold maps have multiple panels. Flat maps generally consist of only one panel. 2. For multiple panel maps, individual panels are identified on a community map index. 3. Panel numbers are listed for that community's map in numerical sequence. FHBMs and FIRMs are drawn to show: • Community boundaries • Special Flood Hazard Areas (SFHAs) • Area not included in a community's map. A community may be physically located within the overall geographical area, but actually stand on its own as a separate community. Therefore, this community would be shown on a separate map. 4. Each panel has a panel number and community number. When there is only one panel (i.e., a flat map), the community number will consist of only six digits. Example: Monterey County, CA . . . 060195-1025. The first two digits of the number identify the state, and the next four digits identify the community. The last four digits identify the map panel. 5. Most FIRMs also show: • Rate Zones • Base Flood Elevations, and/or • Base Flood Depths C. Communities Without a Map These are communities without formally identified SFHAs that chose to have flood insurance coverage available even though the local flooding problems are too small to map. For any such community in the Regular Program, all areas within that community are treated as Zone C or X. MAP 1 May 1, 2006 II. MAP ZONES A. Special Flood Hazard Areas (SFHAs) 1. Zone A The lowest floor elevation is required and the Base Flood Elevations (BFEs) are not provided. 2. Zones A1-A30 The lowest floor elevation is required and the BFEs are provided. 3. Zone AE Used in place of A1-A30 on some maps. 4. Zone AH Shallow water depths (ponding) and/or unpredictable flow paths between 1 and 3 feet occur. BFEs are provided. 5. Zone AO Shallow water paths (sheet flow) and/or unpredictable flow paths between 1 and 3 feet occur. BFEs are not provided. Base flood depths may be provided. 6. Zone A99 Enough progress has been made on a protective system such as dikes, dams, and levees to consider it complete for insurance rating purposes. BFEs are not provided. For the purpose of determining Community Rating System premium discounts, all AR and A99 zones are treated as non-SFHAs. 7. Zone AR Area that results from the decertification of a previously accredited flood protection system that is determined to be in the process of being restored to provide base flood protection. For the purpose of determining Community Rating System premium discounts, all AR and A99 zones are treated as non-SFHAs. 8. Zones AR/AE, AR/AH, AR/AO, AR/A1-A30, AR/A Dual flood zones that, because of flooding from other water sources that the flood protection system does not contain, will continue to be subject to flooding after the flood protection system is adequately restored. For the purpose of determining Community Rating System premium discounts, all AR and A99 zones are treated as non-SFHAs. 9. Zone V An area that is inundated by tidal floods with velocity (coastal high hazard area). BFEs are not provided. 10. Zones V1-V30 Identical to V Zone, but BFEs are provided. 11. Zone VE Used in place of V1-V30 on some maps. 12. Zone VO An area having shallow water depths and/or unpredictable flow paths between 1 and 3 feet with velocity. B. Moderate, Minimal Hazard Areas 1. Zones B, C, X Areas of moderate or minimal hazard subject to flooding from severe storm activity or local drainage problems. These zones may be lightly shaded or unshaded on the FIRM. Zone X is the designation for B and C Zones and is used in place of these zones on some maps. 2. Zone D An area where the flood hazard is undetermined and which usually is very sparsely populated. The designation of Zone D can also be used for rating when one community incorporates portions of another community's area where no map has been prepared. III. LOCATING A SPECIFIC PROPERTY ON A MAP • Check the map index to identify the correct map panel. • Directly locate the property by the address or other information. It may help to compare the FHBM or FIRM to a more detailed map, such as an assessor's map or community street map. • Note the map color where the property is located. On FHBMs and FIRMs, areas darkly shaded are the SFHAs. On an FHBM, no other zone data may be given. On a FIRM, the zones are also given an MAP 2 May 1, 2005 alpha designation. All the area within the boundaries indicated for a zone carries that one zone designation. • Base Flood Elevations in SFHA zones (A1A30 [or AE], AH, V1-V30 [or VE]) are shown within wavy lines. In some SFHA zones, where the BFE does not vary within the entire zone, the BFE is indicated in parentheses. If required by terrain, a BFE for the property may be interpolated using the closest BFE indicators. In this case, it is important to document the finding. IV. CHANGING OR CORRECTING A FLOOD MAP There are three procedures: A. Letter of Map Amendment (LOMA) If the applicant/insured believes that the requirement to purchase flood insurance was made in error and there is evidence that the building is not in the Special Flood Hazard Area (SFHA) on the effective Flood Insurance Rate Map (FIRM), the applicant/insured may apply for a Letter of Map Amendment (LOMA). A LOMA is a determination made by the Federal Emergency Management Agency (FEMA) for property and/or building as to whether it is located within the SFHA. LOMA determinations are based on the following: • Comparing the location of the property to the SFHA. • Comparing the elevation of the property to the 1-percent-annual-chance flood elevation. If, after plotting the location on the FIRM, the FEMA examiner finds that the property and/or building is not shown in the SFHA, then the Determination will be "Out As Shown," rather than "Removed." The FEMA Out-As-Shown Determination will state that the property or building is correctly shown outside the SFHA and, therefore, the mandatory flood insurance requirement does not apply. An Out-As-Shown Determination does not require elevations. The minimum requirements to make an Out-As-Shown Determination are as follows: • A photocopy of the FIRM panel (including the title block) that shows the area in which the property is located. • Section A of the MT-EZ form, which is found in the MT-EZ application package and can be obtained from the FEMA web site at www.fema.gov/fhm/dl_mt-ez.shtm, or by calling the toll-free number listed below. • A copy of the subdivision Plat Map of the area, showing the recordation data (i.e., Book/Volume and Page numbers) and containing the recorder's seal. OR • A copy of the deed for the property, showing the recordation information (i.e., Book/ Volume and Page numbers) and containing the recorder's seal, accompanied by a tax assessor's or other suitable map showing the surveyed location of the property and at least two street intersections that are also shown on FEMA's FIRM. In some cases, additional information may be required to make a determination. Questions about LOMAs may be directed to the FEMA Map Assistance Center toll-free information line at 1-877-FEMA-MAP (1-877336-2627). B. Letter of Map Revision (LOMR) A LOMR is an official revision to the currently effective FEMA map. It is used to change flood zones, floodplain and floodway delineations, flood elevations, and planimetric features. All requests for LOMRs must be made to FEMA through the chief executive officer of the community, since it is the community that must adopt any changes and revisions to the map. A LOMR is usually followed by a physical map revision. C. Physical Map Revision A physical map revision is an official republication of a map to effect changes to flood insurance zones, floodplain delineations, flood elevations, floodways, and planimetric features. The community's chief executive officer can submit scientific and technical data to FEMA to support the request for a map revision. The data will be analyzed, and the map will be revised if warranted. NOTE: To verify past rating determinations and to establish floodplain management compliance requirements, old maps should be retained. MAP 3 May 1, 2005 V. ORDERING FLOOD MAPS Flood maps and related products may be ordered by writing to the FEMA Map Service Center (MSC) at P.O. Box 1038, Jessup, MD 20794-1038. Orders also may be placed by calling the MSC's toll-free number, 1-800-3589616, from 8:00 a.m. to 8:00 p.m., Monday through Friday. Information about flood maps and other products also is available at the Map Service Center web site (http://msc.fema.gov). Visitors to the site now can download and print free “FIRMettes”—userselected portions of official FEMA Flood Insurance Rate Maps. Regular visitors may set up accounts to order and pay for fee-based products online. The MSC distributes Flood Hazard Boundary Maps (FHBMs), Flood Insurance Rate Maps (FIRMs), and Flood Insurance Studies (FIS) in hardcopy format. Digital flood data, known as Q3, are available on CD ROM for approximately 900 counties nationwide. The Q3 data require GIS software for use. Call the MSC at 1-800358-9616 for Q3 information for specific areas. A. Ordering Instructions Z-fold maps may be ordered by community number and panel number. Flat map orders require a 6-digit community number. When ordering maps, be sure to identify specific map panels needed. B. Prices There is a $3.00 charge for each map panel, including index maps, plus shipping. Q3 data are $50 per CD-ROM. Federal, state, and local governments are exempt from the fees for hardcopy maps. However, government entities must pay for Q3 CD-ROMs. A chart showing MSC products, services, and fees is provided on pages MAP 5-6. Orders must be prepaid, and all sales are final. Overpayments of less than $3 are not refunded. The MSC accepts VISA, MasterCard, and American Express credit card charges, deposit accounts (see C., following), and checks. Credit card and deposit account orders can be faxed to 1-800-358-9620. Checks should be made payable to "NFIP" and mailed to the address above. C. Map Revisions To automatically receive map revisions, an account must be set up by either check or credit card. Accounts are established with a check of $100 minimum. The check should be sent to the MSC at the address above, along with a list of the required map areas. As the revised maps become available, they will be sent automatically, and appropriate fees will be deducted from the deposit account. Revised map information also may be obtained from the Flood Map Status Information Service (FMSIS) or the Community Status Book. For more information, call MSC at 1-800-358-9616. MAP 4 May 1, 2006 MSC Products, Services, and Fees http://msc.fema.gov Product or Service Fee Shipping Charge PAPER Letters $3.00 per letter $.037 per panel for first 10 plus $0.04 for each additional panel Maps $3.00 per panel $.037 per panel for first 10 plus $0.04 for each additional panel Floodways (as part of studies) $3.00 per panel N/A Studies $6.00 per study $4.50 per study plus $.45 for each additional study Hurry Charge (added to regular charge) $33.00 N/A INTERNET PRODUCTS FIRMettes Free N/A Letters $2.50 per letter N/A Downloadable Maps $2.50 per panel N/A Downloadable Floodways $2.50 per panel N/A Downloadable Studies $5.00 per study N/A DFIRM Database (DB) $10.00 per DB N/A CD-ROM CD Maps $3.00 per panel $1.50 for first 4 CDs and $0.25 for each additional CD CD Floodways $3.00 per panel $1.50 for first 4 CDs and $0.25 for each additional CD CD Studies $6.00 per study $1.50 for first 4 CDs and $0.25 for each additional CD DFIRM DB $10.00 per database $1.50 for first 4 CDs and $0.25 for each additional CD DFIRM w/Orthos $10.00 per database $1.50 for first 4 CDs and $0.25 for each additional CD Q3 on CD $50.00 per CDROM $1.50 for first 4 CDs and $0.25 for each additional CD CBRA Q3 on CD $50.00 per CDROM or $200 for all 5 Q3 CDs $1.50 for first 4 CDs and $0.25 for each additional CD FMSIS (Individual Orders) $13.00 per State or $38.00 for entire USA $1.50 for first 4 CDs and $0.25 for each additional CD FMSIS (Annual Subscription) $148.00 per state or $419.00 or entire USA N/A LOMC Subscription Service (Individual Orders) $85.00 per issue $1.50 for first 4 CDs and $0.25 for each additional CD LOMC Subscription Service (Annual Subscriptions) $2,000 per year N/A FEMA’s Guidelines and Specifications for Flood Hazard Mapping Partners on CD $2.60 $1.50 for first 4 CDs and $0.25 for each additional CD MHIP: Multi-Hazard Implementation Plan $2.60 $1.50 for first 4 CDs and $0.25 for each additional CD MAP 5 May 1, 2006 MSC Products, Services, and Fees (Cont’d.) http://msc.fema.gov Product or Service Fee Shipping Charge VIEW TOOL F-MIT Light on Web Free N/A F-MIT Light on CD Free N/A DFIRM CD Viewer (formerly F-MIT Pro) $30.00 per Viewer $1.50 for first 4 CDs and $0.25 for each additional CD MANUALS NFIP Insurance Manual (Full Manual) $25.00 per subscription for 2 years N/A NFIP Insurance Manual (Producer’s Edition) $15.00 per subscription for 2 years N/A NFIP Insurance Manual (Full Manual & Producer’s Edition) on CD $25.00 per subscription for 2 years N/A OTHER Community Status Book (CSB) – Individual Orders $2.50 per State or $20.50 for entire USA $1.10 per State or $5.00 for the entire USA Community Status Book (CSB) – Annual Subscription $50.00 per State or $250.00 for entire USA N/A Community Map Action List (CMAL) Free N/A MAP 6 May 1, 2006 MAP 7 May 1, 2006 MAP 8 May 1, 2006 COMMUNITY RATING SYSTEM I. GENERAL DESCRIPTION The Community Rating System (CRS) is a voluntary program for NFIP-participating communities. The goals of the CRS are to reduce flood losses, to facilitate accurate insurance rating, and to promote the awareness of flood insurance. The CRS has been developed to provide incentives for communities to go beyond the minimum floodplain management requirements to develop extra measures to provide protection from flooding. The incentives are in the form of premium discounts. II. ELIGIBILITY For a community to be eligible, the community must be in full compliance with the NFIP and be in the Regular phase of the program. Communities in the Emergency phase of the program are not eligible. III. CLASSIFICATIONS AND DISCOUNTS All communities start out with a Class 10 rating (which provides no discount). There are 10 CRS classes: Class 1 requires the most credit points and gives the greatest premium discount; Class 10 identifies a community that does not apply for the CRS, or does not obtain a minimum number of credit points and receives no discount. There are 18 activities recognized as measures for eliminating exposure to floods. Credit points are assigned to each activity. The activities are organized under four main categories: Public Information, Mapping and Regulation, Flood Damage Reduction, and Flood Preparedness. Once a community applies to the appropriate FEMA region for the CRS program and its implementation is verified, FEMA sets the CRS classification based upon the credit points. This classification determines the premium discount for policyholders. Premium discounts ranging from 5 percent to a maximum of 45 percent will be applied to every policy written in a community as recognition of the floodplain management activities instituted. The table below shows premium discounts for CRS Classes 1-10 within different flood zones. IV. CRS ACTIVITIES THAT CAN DIRECTLY BENEFIT INSURANCE AGENTS Certain activities that are credited under the CRS provide direct benefit to agents writing flood insurance. All CRS communities must maintain completed FEMA elevation and floodproofing certificates for all new and substantially improved construction in the Special Flood Hazard Area after the date of application for CRS classification. These certificates must be available upon request. Therefore, in writing a policy, an agent should be able to get these certificates from any CRS community. In addition, some CRS communities receive credit for having completed certificates for Post-FIRM buildings constructed prior to the CRS application date. If they do receive this credit, then these certificates should also be available to agents writing flood insurance. The community may charge a fee for copying certificates for inquirers. Many CRS communities receive credit for providing inquirers with information from the community's FIRM. This includes a property's flood risk zone and the Base Flood Elevation. The service must be publicized once a year. If a community is receiving this credit, then agents should be able to use the service. A fee may be charged for the service. CRS PREMIUM DISCOUNTS Class Discount Class Discount 1 2 3 4 5 45% 40% 35% 30% 25% 6 7 8 9 10 20% 15% 10% 5% -- SFHA (Zones A, AE, A1-A30, V, V1-V30, AO, and AH): Discount varies depending on class. SFHA (Zones A99, AR, AR/A, AR/AE, AR/A1-A30, AR/AH, and AR/AO): 10% discount for Classes 1-6; 5% discount for Classes 7-9.* Non-SFHA (Zones B, C, X, D): 10% discount for Classes 1-6; 5% discount for Classes 7-9. Preferred Risk Policies and Mortgage Portfolio Protection Program policies are not eligible for CRS Premium Discounts. *For the purpose of determining CRS Premium Discounts, all AR and A99 zones are treated as non-SFHAs. CRS 1 May 1, 2005 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY CURRENT EFFECTIVE CURRENT CLASS % DISCOUNT FOR % DISCOUNT FOR STATUS3 DATE DATE SFHA1 NON-SFHA2 010146 010071 015000 010116 010418 010176 015005 015006 010123 010153 015007 015011 010189 010002 010070 020005 020012 020003 020069 020113 020094 040013 040014 040131 040080 040040 040094 040095 040012 040019 040020 040028 040044 040045 040067 040037 040048 040058 040066 040051 040073 040098 Alabama Athens, City of Atmore, City of Baldwin County Birmingham, City of Dauphin Island, Town of Decatur, City ofGulf Shores, Town of Homewood, City of Hoover, City of Huntsville, City of Mobile, City of Orange Beach, City of Pell City, City of Prattville, City of Wetumpka, City of Alaska Anchorage, Municipality of Kenai Peninsula, Borough of Ketchikan, Borough of Nome, City of Seward, City of Valdez, City of Arizona Benson, Town of Bisbee, City of Camp Verde, Town of Casa Grande, City of Chandler, City of Chino Valley, Town of Clarkdale, Town ofCochise County Coconino County Flagstaff, City of Gila County Gilbert, Town of Glendale, City of Holbrook, City of Maricopa County Mesa, City of Mohave County Navajo County Phoenix, City of Pima County Prescott, City of 10/1/91 05/1/02 10/1/95 10/1/94 04/1/01 10/1/91 10/1/93 10/1/01 10/1/91 10/1/91 10/1/92 10/1/91 10/1/92 10/1/91 10/1/91 10/1/95 04/1/00 10/1/05 10/1/05 10/1/05 10/1/92 10/1/91 10/1/91 10/1/91 10/1/91 10/1/91 10/1/91 10/1/91 10/1/91 10/1/91 10/1/91 10/1/91 10/1/91 10/1/91 10/1/95 10/1/91 10/1/91 10/1/95 10/1/92 10/1/92 10/1/91 10/1/91 10/1/98 05/1/02 05/1/06 10/1/05 04/1/01 10/1/05 10/1/93 10/1/01 10/1/91 05/1/03 10/1/93 10/1/93 10/1/92 10/1/91 10/1/91 10/1/04 04/1/00 10/1/05 10/1/05 10/1/05 10/1/92 10/1/92 10/1/92 10/1/96 10/1/01 05/1/04 10/1/93 10/1/96 10/1/91 10/1/99 10/1/99 10/1/92 10/1/92 10/1/99 10/1/00 05/1/02 04/1/98 10/1/05 10/1/92 10/1/02 04/1/01 10/1/01 10 8 8 6 8 10 9 9 9 7 10 8 9 9 9 7 8 9 9 9 9 10 10 8 8 7 8 8 9 8 8 10 8 8 8 5 10 8 9 6 6 8 0 10 10 20 10 0 5 5 5 15 0 10 5 5 5 15 10 5 5 5 5 0 0 10 10 15 10 10 5 10 10 0 10 10 10 25 0 10 5 20 20 10 0 5 5 10 5 0 5 5 5 5 0 5 5 5 5 5 5 5 5 5 5 0 0 5 5 5 5 5 5 5 5 0 5 5 5 10 0 5 5 10 10 5 R C C C C R C C C C R C C C C C C C C C C R R C C C C C C C C R C C C C R C C C C C 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded CRS 2 May 1, 2006 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY CURRENT EFFECTIVE CURRENT CLASS % DISCOUNT FOR % DISCOUNT FOR STATUS3 DATE DATE SFHA1 NON-SFHA2 Arizona (continued) 040090 Santa Cruz County 10/1/03 10/1/03 7 15 5 C 045012 Scottsdale, City of 10/1/91 10/1/95 7 15 5 C 040130 Sedona, City of 10/1/91 10/1/91 9 5 5 C 040069 Show Low, City of 10/1/91 10/1/91 9 5 5 C 040054 Tempe, City of 10/1/91 05/1/02 8 10 5 C 040076 Tucson, City of 10/1/91 10/1/02 7 15 5 C 040056 Wickenburg, Town of 10/1/92 10/1/92 9 5 5 C 040031 Winkelman, Town of 10/1/91 10/1/95 10 0 0 R 040093 Yavapai County 10/1/91 10/1/92 8 10 5 C Arkansas 050029 Arkadelphia, City of 10/1/91 10/1/05 8 10 5 C 050192 Benton, City of 10/1/93 10/1/93 9 5 5 C 050419 Benton County 05/1/05 05/1/05 8 10 5 C 050012 Bentonville, City of 10/1/92 10/1/02 8 10 5 C 050140 Blytheville, City of 10/1/95 10/1/95 9 5 5 C 050046 Bono, City of 10/1/92 05/1/02 8 10 5 C 050308 Bryant, City of 10/1/92 10/1/92 9 5 5 C 050433 Garland County 10/1/93 10/1/93 9 5 5 C 050168 Helena, City of 10/1/93 10/1/99 10 0 0 R 050084 Hot Springs, City of 10/1/93 10/1/93 9 5 5 C 050180 Jacksonville, City of 10/1/94 10/1/04 8 10 5 C 050048 Jonesboro, City of 10/1/92 10/1/92 9 5 5 C 050181 Little Rock, City of 10/1/91 10/1/01 8 10 5 C 050088 Malvern, City of 10/1/91 10/1/96 10 0 0 R 050109 Pine Bluff, City of 10/1/94 10/1/95 10 0 0 R 050055 West Memphis, City of 10/1/92 10/1/02 8 10 5 C California 060001 Alameda County 10/1/92 10/1/99 7 15 5 C 060213 Anaheim, City of 10/1/91 05/1/02 6 20 10 C 060714 Clearlake, City of 05/1/03 05/1/03 9 5 5 C 060025 Contra Costa County 10/1/91 04/1/01 6 20 10 C 065023 Corte Madera, Town of 10/1/03 10/1/03 8 10 5 C 060339 Cupertino, City of 10/1/05 10/1/05 8 10 5 C 060370 Fairfield, City of 10/1/92 05/1/02 8 10 5 C 060218 Fountain Valley, City of 10/1/96 04/1/98 8 10 5 C 065028 Fremont, City of 04/1/01 04/1/01 7 15 5 C 065029 Fresno County 10/1/91 10/1/02 6 20 10 C 060048 Fresno, City of 10/1/92 10/1/02 6 20 10 C 065034 Huntington Beach, City of 10/1/95 10/1/00 7 15 5 C 060222 Irvine, City of 10/1/91 05/1/02 8 10 5 C 060075 Kern County 10/1/91 10/1/93 8 10 5 C 060090 Lake County 10/1/95 10/1/00 7 15 5 C 060136 Long Beach, City of 10/1/93 10/1/03 7 15 5 C 060341 Los Altos, City of 10/1/91 10/1/96 8 10 5 C 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded CRS 3 October 1, 2005 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY CURRENT EFFECTIVE CURRENT CLASS % DISCOUNT FOR % DISCOUNT FOR STATUS3 DATE DATE SFHA1 NON-SFHA2 065043 060137 060344 060735 060195 065074 060346 060347 060751 060207 060227 060178 060294 060212 060228 060257 060348 060379 060239 060034 060012 060360 060035 060243 060262 060266 060202 060284 060299 060349 060231 060310 060710 060331 060350 060337 060729 060355 060421 060631 060375 060302 060352 060400 060373 065070 California (continued) Los Angeles County Los Angeles, City of Milpitas, City of Mission Viejo, City of Monterey County Moreno Valley, City of Morgan Hill, City of Mountain View, City of Murrieta, City ofNapa, City of Newport Beach, City of Novato, City of Oceanside, City of Orange County Orange, City of Palm Springs, City of Palo Alto, City of Petaluma, City of Placer County Pleasant Hill, City of Pleasanton, City ofRedding, City of Richmond, City of Roseville, City of Sacramento County Sacramento, City ofSalinas, City of San Diego County San Joaquin County San Jose, City of San Juan Capistrano, City of San Luis Obispo, City of San Ramon, City ofSanta Barbara County Santa Clara, City of Santa Clara CountySanta Clarita, City of Santa Cruz, City ofSimi Valley, City of Solano County Sonoma County Stockton, City ofSunnyvale, City of Tehema, City of Vacaville, City of Walnut Creek, City of 10/1/91 10/1/91 10/1/91 10/1/05 10/1/91 10/1/91 05/1/03 05/1/02 10/1/97 04/1/01 10/1/93 10/1/95 10/1/91 10/1/91 10/1/92 10/1/92 10/1/91 10/1/91 10/1/91 05/1/03 10/1/92 10/1/96 10/1/95 10/1/92 10/1/92 10/1/91 10/1/91 10/1/94 10/1/93 10/1/91 10/1/91 10/1/91 10/1/91 10/1/91 05/1/02 05/1/04 10/1/01 10/1/92 10/1/93 10/1/91 10/1/91 10/1/96 10/1/98 10/1/03 10/1/95 10/1/91 10/1/96 10/1/05 10/1/01 10/1/05 10/1/02 10/1/96 05/1/03 05/1/02 10/1/97 04/1/01 05/1/03 10/1/00 10/1/96 05/1/02 10/1/92 10/1/00 10/1/01 10/1/96 10/1/01 05/1/03 10/1/97 10/1/01 10/1/95 10/1/02 10/1/02 10/1/96 10/1/02 10/1/95 05/1/03 10/1/01 10/1/02 10/1/96 04/1/01 05/1/06 05/1/02 05/1/04 10/1/01 05/1/02 10/1/93 10/1/93 10/1/92 10/1/97 05/1/03 10/1/03 10/1/00 04/1/01 8 7 5 9 6 8 7 8 9 7 8 7 8 7 9 8 7 6 6 8 8 6 9 5 5 6 7 10 6 7 8 8 7 6 8 8 9 7 9 8 10 8 7 7 8 7 10 15 25 5 20 10 15 10 5 15 10 15 10 15 5 10 15 20 20 10 10 20 5 25 25 20 15 0 20 15 10 10 15 20 10 10 5 15 5 10 0 10 15 15 10 15 5 5 10 5 10 5 5 5 5 5 5 5 5 5 5 5 5 10 10 5 5 10 5 10 10 10 5 0 10 5 5 5 5 10 5 5 5 5 5 5 0 5 5 5 5 5 C C C C C C C C C C C C C C C C C C C C C C C C C C C R C C C C C C C C C C C C R C C C C C 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded CRS 4 May 1, 2006 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY CURRENT EFFECTIVE CURRENT CLASS % DISCOUNT FOR % DISCOUNT FOR STATUS3 DATE DATE SFHA1 NON-SFHA2 060357 060238 060427 080001 080009 080010 080011 080273 085072 080002 080023 080024 080130 080068 080013 080060 080043 080046 080049 080099 080059 085074 080102 080061 080067 080245 080090 080062 080078 080080 080087 085075 080101 080017 080027 085076 080063 080115 080064 080092 080065 080310 080287 California (continued) Watsonville, City ofYorba Linda, City of Yuba County Colorado Adams County Alamosa County Alamosa, City ofArapahoe County Archuleta County Arvada, City of Aurora, City of Boulder County Boulder, City ofBrush, City of Canon City, City of Cherry Hills Village, City of Colorado Springs, City of Delta, City of Denver, City and County ofDouglas County Durango, City ofEl Paso County Englewood, City ofFort Collins, City of Fountain, City of Fremont County Frisco, Town of Golden, City of Green Mountain Falls, Town of Gunnison County Gunnison, City of Jefferson County Lakewood, City of Larimer County Littleton, City ofLongmont, City of Louisville, City of Manitou Springs, City of Mesa County Monument, Town of Morrison, Town of Palmer Lake, Town of Parker, Town of Pitkin County 10/1/92 10/1/93 10/1/03 10/1/93 10/1/96 10/1/91 10/1/91 10/1/92 10/1/91 10/1/92 10/1/91 10/1/92 10/1/94 10/1/92 10/1/96 10/1/92 10/1/96 10/1/96 10/1/96 10/1/92 10/1/92 10/1/95 10/1/91 10/1/92 10/1/93 10/1/93 10/1/96 10/1/03 10/1/94 10/1/95 10/1/05 10/1/91 10/1/92 10/1/92 10/1/92 10/1/91 10/1/92 05/1/06 10/1/03 10/1/96 10/1/03 10/1/92 10/1/92 10/1/02 10/1/04 10/1/03 10/1/03 10/1/96 10/1/91 10/1/92 10/1/98 05/1/06 10/1/97 10/1/96 10/1/97 10/1/94 10/1/92 10/1/01 10/1/92 10/1/00 05/1/06 10/1/96 10/1/92 10/1/92 10/1/96 10/1/01 10/1/92 10/1/93 10/1/98 10/1/96 10/1/03 10/1/94 10/1/95 10/1/05 10/1/05 10/1/97 10/1/97 10/1/97 10/1/05 10/1/92 05/1/06 10/1/03 10/1/96 10/1/03 10/1/97 10/1/97 7 10 8 10 9 9 8 10 6 8 8 8 9 9 8 9 7 8 9 9 9 8 4 9 9 8 9 9 9 9 9 6 10 7 8 8 9 9 9 9 9 7 8 15 0 10 0 5 5 10 0 20 10 10 10 5 5 10 5 15 10 5 5 5 10 30 5 5 10 5 5 5 5 5 20 0 15 10 10 5 5 5 5 5 15 10 5 0 5 0 5 5 5 0 10 5 5 5 5 5 5 5 5 5 5 5 5 5 10 5 5 5 5 5 5 5 5 10 0 5 5 5 5 5 5 5 5 5 5 C R C R C C C R C C C C C C C C C C C C C C C C C C C C C C C C R C C C C C C C C C C 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded CRS 5 May 1, 2006 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY CURRENT EFFECTIVE CURRENT CLASS % DISCOUNT FOR % DISCOUNT FOR STATUS3 DATE DATE SFHA1 NON-SFHA2 080153 080018 080201 080159 080168 080007 080054 080008 085079 090074 090076 090096 090078 090011 090012 090015 090193 090106 095082 090070 090019 100056 105084 100041 100026 100025 105086 100048 120001 120290 125087 120180 120075 120193 120676 120419 120636 120004 120637 125089 Colorado (continued) Rio Grande County Sheridan, City of Silverthorne, Town of Steamboat Springs, Town of Telluride, Town of Thornton, City ofVail, Town of Westminster, City of Wheat Ridge, City of Connecticut Cheshire, Town of East Haven, Town of East Lyme, Town of Hamden, Town of Newtown, Town ofNorwalk, City of Stamford, City of Stonington, Borough ofStonington, Town ofWest Hartford,Town of Westbrook, Town ofWestport, Town of Delaware Dewey Beach, Town of Fenwick Island, Town of Lewes, City of New Castle, City ofNewark,City of Rehoboth Beach, City of Seaford, City ofFlorida Alachua County Altamonte Springs, City of Anna Maria, City ofApopka, City of Atlantic Beach, City of Atlantis, City of Aventura, City ofBaker County Bal Harbour, Village of Bay County Bay Harbor Islands, Town of Belleair Beach, City of 10/1/92 10/1/93 10/1/96 10/1/93 10/1/94 10/1/94 10/1/91 10/1/91 10/1/91 10/1/93 10/1/03 10/1/91 10/1/93 10/1/91 10/1/93 10/1/02 10/1/04 05/1/04 10/1/91 05/1/05 10/1/95 10/1/94 10/1/94 10/1/92 10/1/94 10/1/92 10/1/94 10/1/96 10/1/95 10/1/94 10/1/91 10/1/93 10/1/05 10/1/92 10/1/00 10/1/01 10/1/96 10/1/93 10/1/94 10/1/92 10/1/97 10/1/03 10/1/96 10/1/93 10/1/05 10/1/99 10/1/01 05/1/06 10/1/96 10/1/03 10/1/04 10/1/91 10/1/95 10/1/91 10/1/98 10/1/02 10/1/04 05/1/04 10/1/91 05/1/05 10/1/00 10/1/99 10/1/04 10/1/92 10/1/99 10/1/01 10/1/95 10/1/96 10/1/00 10/1/96 10/1/05 05/1/03 10/1/05 10/1/94 05/1/05 10/1/01 10/1/97 10/1/05 10/1/99 10/1/01 10 10 9 9 8 8 7 6 7 10 8 9 8 9 10 7 9 9 9 9 8 8 8 9 8 7 8 9 8 8 7 8 8 8 7 8 8 7 7 7 0 0 5 5 10 10 15 20 15 0 10 5 10 5 0 15 5 5 5 5 10 10 10 5 10 15 10 5 10 10 15 10 10 10 15 10 10 15 15 15 0 0 5 5 5 5 5 10 5 0 5 5 5 5 0 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 R R C C C C C C C R C C C C R C C C C C C C C C C C C C C C C C C C C C C C C C 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded CRS 6 May 1, 2006 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY CURRENT EFFECTIVE CURRENT CLASS % DISCOUNT FOR % DISCOUNT FOR STATUS3 DATE DATE SFHA1 NON-SFHA2 120195 120680 120196 125091 120155 125092 125093 120005 125094 125095 120090 120061 120063 120064 125096 120198 125097 120020 120031 120067 120070 120032 120639 120033 120034 120035 125100 125099 125101 125102 125158 125103 120308 120080 120146 120120 120172 120087 125105 125106 120673 120286 120174 120088 125107 120200 Florida (continued) Boca Raton, City of Bonita Springs, City of Boynton Beach, City of Bradenton Beach, City of Bradenton, City ofBrevard County Broward County Callaway, City of Cape Canaveral, City of Cape Coral, City of Carrabelle, City of Charlotte County Citrus County Clay County Clearwater, City ofCloud Lake, Town of Cocoa Beach, City of Cocoa, City of Coconut Creek, City of Collier County Columbia County Cooper City, City of Coral Gables, City of Coral Springs, City of Dania, City of Davie, Town of Daytona Beach Shores, City of Daytona Beach, City of Deerfield Beach, City of Delray Beach, City of Destin, City of Dunedin, City of Edgewater, City ofEscambia County Fanning Springs, Town of Fellsmere, City of Fernandina Beach, City of Flagler Beach, City of Fort Lauderdale, City of Fort Myers, City of Fort Myers Beach, Town of Fort Pierce, City of Fort Walton Beach, City of Franklin County Gainesville, City of Glen Ridge, Town of 10/1/92 05/1/06 10/1/91 10/1/91 10/1/91 10/1/91 10/1/92 10/1/93 10/1/93 10/1/91 10/1/93 10/1/92 10/1/01 10/1/96 10/1/91 10/1/94 10/1/94 10/1/94 10/1/92 10/1/92 10/1/96 10/1/92 10/1/93 10/1/92 10/1/93 10/1/94 10/1/92 10/1/94 10/1/92 10/1/94 10/1/94 10/1/92 10/1/92 10/1/91 10/1/93 10/1/99 10/1/92 10/1/95 10/1/92 10/1/93 10/1/99 10/1/92 10/1/92 10/1/93 10/1/92 10/1/94 10/1/94 05/1/06 10/1/93 10/1/05 10/1/00 10/1/93 10/1/96 10/1/93 10/1/99 05/1/05 10/1/93 05/1/04 10/1/01 10/1/05 10/1/00 10/1/96 10/1/04 10/1/04 10/1/01 10/1/95 10/1/05 10/1/96 10/1/98 10/1/94 10/1/93 10/1/05 10/1/94 05/1/03 10/1/93 10/1/94 05/1/04 04/1/98 10/1/97 10/1/05 10/1/93 10/1/04 10/1/02 10/1/00 10/1/01 10/1/98 10/1/99 10/1/01 10/1/02 10/1/02 10/1/97 10/1/96 8 7 8 7 7 8 8 9 8 7 9 5 7 7 7 8 10 10 7 7 8 8 8 8 9 7 8 7 8 9 7 8 8 7 9 9 7 7 8 8 7 8 7 8 8 8 10 15 10 15 15 10 10 5 10 15 5 25 15 15 15 10 0 0 15 15 10 10 10 10 5 15 10 15 10 5 15 10 10 15 5 5 15 15 10 10 15 10 15 10 10 10 5 5 5 5 5 5 5 5 5 5 5 10 5 5 5 5 0 0 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 C C C C C C C C C C C C C C C C R R C C C C C C C C C C C C C C C C C C C C C C C C C C C C 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded CRS 7 May 1, 2006 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY CURRENT EFFECTIVE CURRENT CLASS % DISCOUNT FOR % DISCOUNT FOR STATUS3 DATE DATE SFHA1 NON-SFHA2 120642 120275 120098 125109 125108 125110 120103 120107 120110 120643 125111 120111 120040 120112 125112 125113 125114 120645 120207 120119 120121 125117 125118 120125 120078 120077 120331 120208 120162 125119 120245 120648 125121 120168 120190 120211 120421 120212 120213 120267 120214 125122 125123 120044 120169 125124 Florida (continued) Golden Beach, Town of Gulf Breeze, City of Gulf County Gulf Stream, Town of Gulfport, City of Hallandale Beach, City of Hardee County Hendry County Hernando County Hialeah, City ofHighland Beach, Town of Highlands County Hillsboro Beach, Town of Hillsborough County Holly Hill, City of Hollywood, City ofHolmes Beach, City of Homestead, City ofHypoluxo, Town ofIndian River County Indian River Shores, Town of Indian Rocks Beach, City of Indian Shores, Town of Jackson County Jacksonville Beach, City of Jacksonville, City ofJefferson County Juno Beach, Town of Jupiter Island, Town of Jupiter, Town of Kenneth City, Town ofKey Biscayne, City of Key Colony Beach, City of Key West, City of Kissimmee, City ofLake Clarke Shores, Town of Lake County Lake Park, Town of Lake Worth, City ofLakeland, City ofLantana, Town of Largo, City of Lauderdale by the Sea, City of Lauderhill, City of Layton, City of Lee County 10/1/93 10/1/93 10/1/93 10/1/99 10/1/93 10/1/94 10/1/96 10/1/00 10/1/92 10/1/93 10/1/93 10/1/94 10/1/94 10/1/92 10/1/94 10/1/92 10/1/91 05/1/06 10/1/94 10/1/92 10/1/94 10/1/92 10/1/93 10/1/02 10/1/92 10/1/91 10/1/96 10/1/93 10/1/95 10/1/94 10/1/92 04/1/98 10/1/92 10/1/92 10/1/96 10/1/94 10/1/94 10/1/92 10/1/96 10/1/04 10/1/94 10/1/92 04/1/00 10/1/92 10/1/01 10/1/91 10/1/02 10/1/93 10/1/93 10/1/99 10/1/03 05/1/05 05/1/04 10/1/00 10/1/05 10/1/97 10/1/93 10/1/04 10/1/94 10/1/02 10/1/94 10/1/93 05/1/06 05/1/06 10/1/96 01/1/98 10/1/95 10/1/93 10/1/05 10/1/02 10/1/02 10/1/02 10/1/96 10/1/00 10/1/00 10/1/00 05/1/06 04/1/00 10/1/95 10/1/99 10/1/01 10/1/94 10/1/97 10/1/92 10/1/96 10/1/04 10/1/94 10/1/97 05/1/05 10/1/92 10/1/01 10/1/01 10 9 9 8 7 7 10 8 7 8 9 8 9 6 9 8 7 8 8 7 8 8 6 9 8 7 9 5 8 7 8 6 8 10 8 9 8 9 9 8 9 7 8 9 8 6 0 5 5 10 15 15 0 10 15 10 5 10 5 20 5 10 15 10 10 15 10 10 20 5 10 15 5 25 10 15 10 20 10 0 10 5 10 5 5 10 5 15 10 5 10 20 0 5 5 5 5 5 0 5 5 5 5 5 5 10 5 5 5 5 5 5 5 5 10 5 5 5 5 10 5 5 5 10 5 0 5 5 5 5 5 5 5 5 5 5 5 10 R C C C C C R C C C C C C C C C C C C C C C C C C C C C C C C C C R C C C C C C C C C C C C 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded CRS 8 May 1, 2006 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY CURRENT EFFECTIVE CURRENT CLASS % DISCOUNT FOR % DISCOUNT FOR STATUS3 DATE DATE SFHA1 NON-SFHA2 120145 125125 125126 120292 120009 125127 120149 120215 120153 120216 120426 120047 120160 120161 120025 120650 120651 120652 120635 120048 125129 125130 120079 120232 125132 120338 120049 120656 120655 120217 120279 125133 120050 120330 125134 120173 120177 120250 120179 120186 125136 120189 120404 120192 120221 Florida (continued) Levy County Lighthouse Point, City of Longboat Key, Town of Longwood, City of Lynn Haven, City ofMadeira Beach, City of Madison County Manalapan, Town of Manatee County Mangonia Park, Town of Marco Island, City of Margate, City ofMarion County Martin County Melbourne, City of Miami, City of Miami Beach, City of Miami Shores Village, Village of Miami-Dade County Miramar, City of Monroe County Naples, City of Neptune Beach, City of New Port Richey, City of New Smyrna Beach, City of Niceville, City of North Lauderdale, City of North Miami Beach, City of North Miami, City of North Palm Beach, Village of North Port, City of North Redington Beach, Town of Oakland Park, City of Ocala, City of Ocean Ridge, Town of Okaloosa County Okeechobee County Oldsmar, City of Orange County Orlando, City of Ormond Beach, City of Osceola County Palm Bay, City of Palm Beach County Palm Beach Gardens, City of 10/1/94 10/1/93 10/1/91 10/1/96 10/1/92 10/1/92 10/1/94 10/1/92 10/1/91 10/1/94 10/1/00 10/1/92 10/1/94 10/1/92 10/1/93 10/1/94 10/1/96 10/1/00 10/1/94 10/1/93 10/1/91 10/1/92 10/1/94 10/1/93 10/1/91 10/1/93 10/1/93 10/1/93 10/1/94 10/1/94 10/1/92 10/1/92 10/1/94 10/1/91 10/1/92 10/1/95 10/1/96 10/1/92 10/1/91 10/1/93 10/1/92 10/1/94 10/1/93 10/1/91 10/1/03 10/1/99 10/1/94 10/1/05 10/1/96 10/1/92 10/1/93 10/1/00 10/1/92 10/1/05 10/1/94 10/1/05 10/1/95 10/1/94 10/1/00 10/1/03 10/1/99 10/1/01 10/1/00 10/1/03 10/1/94 05/1/97 10/1/02 10/1/04 10/1/95 10/1/00 04/1/98 10/1/93 10/1/98 10/1/01 10/1/99 10/1/93 10/1/98 10/1/05 10/1/01 01/1/98 10/1/05 10/1/00 05/1/06 05/1/02 10/1/94 10/1/94 10/1/03 10/1/98 05/1/02 10/1/03 8 8 6 9 9 8 8 9 6 9 6 8 9 7 8 8 7 8 5 8 10 6 8 8 7 8 9 8 5 8 8 8 8 8 8 6 8 6 6 8 8 7 8 7 9 10 10 20 5 5 10 10 5 20 5 20 10 5 15 10 10 15 10 25 10 0 20 10 10 15 10 5 10 25 10 10 10 10 10 10 20 10 20 20 10 10 15 10 15 5 5 5 10 5 5 5 5 5 10 5 10 5 5 5 5 5 5 5 10 5 0 10 5 5 5 5 5 5 10 5 5 5 5 5 5 10 5 10 10 5 5 5 5 5 5 C C C C C C C C C C C C C C C C C C C C R C C C C C C C C C C C C C C C C C C C C C C C C 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded CRS 9 May 1, 2006 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY CURRENT EFFECTIVE CURRENT CLASS % DISCOUNT FOR % DISCOUNT FOR STATUS3 DATE DATE SFHA1 NON-SFHA2 125137 120220 120684 120223 120159 120012 120011 120230 120053 120082 125138 125139 120251 120054 120261 120055 120312 120313 120234 120099 120287 120062 125140 125141 120027 125143 120402 120274 125144 125150 120028 120123 120289 120164 120579 120314 120658 120227 125151 125146 125145 120191 125147 120285 120316 Florida (continued) Palm Beach Shores, Town of Palm Beach, Town of Palm Coast, City of Palm Springs, Village of Palmetto, City of Panama City, City ofParker, City of Pasco County Pembroke Pines, City of Pensacola, City ofPensacola Beach-Santa Rosa Island Authority Pinellas County Pinellas Park, City of Plantation, City ofPolk County Pompano Beach, City of Ponce Inlet, Town of Port Orange, City of Port Richey, City of Port St. Joe, City of Port St. Lucie, City of Punta Gorda, City of Redington Beach, Town of Redington Shores, Town of Rockledge, City of Safety Harbor, City of Sanibel, City of Santa Rosa County Sarasota County Sarasota, City of Satellite Beach, City of Sebastian, City of Seminole County Sewall’s Point, Town of Shalimar, Town of South Daytona, City of South Miami, City of South Palm Beach, Town of South Pasadena, City of St. Augustine Beach, City of St. Augustine, City of St. Cloud, City of St. Johns County St. Lucie County St. Marks, Town of 10/1/94 10/1/92 05/1/04 10/1/92 10/1/91 10/1/93 10/1/94 10/1/92 10/1/94 10/1/02 10/1/91 10/1/93 10/1/91 10/1/92 10/1/92 10/1/93 05/1/04 10/1/92 10/1/92 10/1/94 10/1/91 10/1/92 10/1/93 10/1/92 10/1/91 10/1/92 10/1/91 10/1/93 10/1/92 10/1/91 10/1/92 10/1/92 10/1/91 10/1/96 10/1/95 10/1/92 10/1/93 10/1/93 10/1/92 10/1/93 10/1/92 10/1/93 10/1/95 10/1/94 10/1/93 10/1/94 10/1/02 05/1/04 10/1/97 10/1/93 10/1/02 10/1/04 10/1/02 10/1/98 10/1/02 05/1/03 10/1/94 10/1/96 10/1/02 10/1/03 10/1/94 05/1/04 05/1/03 10/1/94 10/1/94 10/1/96 10/1/02 10/1/96 10/1/93 10/1/96 10/1/96 10/1/96 04/1/00 10/1/02 10/1/96 10/1/92 10/1/01 10/1/00 10/1/97 10/1/00 10/1/02 10/1/95 10/1/93 10/1/98 10/1/96 10/1/97 10/1/94 10/1/00 10/1/96 10/1/93 9 7 7 8 8 7 8 8 7 8 8 8 7 7 7 8 7 7 8 9 8 6 8 8 8 8 5 7 6 7 9 9 7 8 8 7 8 9 8 8 8 8 7 8 9 5 15 15 10 10 15 10 10 15 10 10 10 15 15 15 10 15 15 10 5 10 20 10 10 10 10 25 15 20 15 5 5 15 10 10 15 10 5 10 10 10 10 15 10 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 10 5 5 5 5 10 5 10 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded CRS 10 May 1, 2006 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY CURRENT EFFECTIVE CURRENT CLASS % DISCOUNT FOR % DISCOUNT FOR STATUS3 DATE DATE SFHA1 NON-SFHA2 125149 125148 120296 120328 120659 120300 120144 120058 120114 120259 120302 120115 120228 125152 125153 125154 120124 125155 120315 125157 120229 120295 120147 130075 130093 130209 130030 130424 130052 130086 130059 135158 130144 130504 135159 130065 130074 130098 130306 130432 130431 135160 130092 130322 Florida (continued) St. Pete Beach, City of St. Petersburg, City of Sumter County Sunrise, City ofSurfside, Town of Suwannee County Tallahassee, City of Tamarac, City of Tampa, City of Tarpon Springs, City of Taylor County Temple Terrace, City of Tequesta, Village ofTitusville, City of Treasure Island, City of Venice, City of Vero Beach, City of Volusia County Wakulla County Wellington, Village ofWest Palm Beach, City of Winter Springs, City of Yankeetown, Town of Georgia Albany, City of Brunswick, City of Cartersville, City ofChatham County Cherokee County Cobb County College Park, City of Columbia County Columbus, City of Covington, City of Crisp County Decatur, City ofDekalb County Dougherty County Duluth, City of Douglas County Fayette County Fayetteville, City of Fulton County Glynn County Gwinnett County 10/1/91 10/1/92 10/1/95 10/1/92 10/1/93 10/1/96 10/1/94 10/1/92 10/1/91 10/1/92 10/1/96 10/1/93 10/1/92 10/1/92 10/1/92 10/1/91 10/1/93 10/1/93 10/1/93 10/1/03 10/1/92 10/1/93 10/1/94 10/1/94 10/1/93 05/1/05 10/1/91 05/1/05 10/1/91 10/1/92 04/1/99 10/1/91 10/1/93 05/1/05 10/1/93 10/1/92 10/1/93 10/1/97 10/1/95 05/1/04 05/1/06 04/1/00 10/1/92 10/1/94 10/1/92 05/1/02 05/1/97 10/1/02 10/1/94 10/1/00 10/1/99 05/1/06 10/1/00 10/1/93 10/1/96 10/1/03 10/1/00 10/1/97 10/1/99 10/1/05 10/1/98 10/1/03 10/1/93 10/1/03 04/1/00 10/1/98 10/1/97 10/1/94 10/1/93 05/1/05 05/1/04 05/1/05 10/1/97 10/1/02 05/1/04 10/1/93 10/1/93 05/1/05 10/1/05 10/1/94 10/1/03 10/1/97 10/1/00 05/1/04 05/1/06 04/1/00 10/1/96 05/1/04 8 7 8 7 8 8 7 7 7 8 9 8 7 8 7 6 8 7 9 9 7 8 7 9 9 9 7 8 8 6 8 8 9 9 7 8 7 9 8 7 8 9 8 8 10 15 10 15 10 10 15 15 15 10 5 10 15 10 15 20 10 15 5 5 15 10 15 5 5 5 15 10 10 20 10 10 5 5 15 10 15 5 10 15 10 5 10 10 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 10 5 5 5 5 5 5 5 5 5 5 5 5 5 10 5 5 5 5 5 5 5 5 5 5 5 5 5 5 C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded CRS 11 May 1, 2006 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY CURRENT EFFECTIVE CURRENT CLASS % DISCOUNT FOR % DISCOUNT FOR STATUS3 DATE DATE SFHA1 NON-SFHA2 130201 130147 130078 130261 130088 135163 135164 130025 130196 150003 160001 160009 165167 160002 160206 160209 160003 160212 160004 160022 160131 160023 160076 160090 160058 160101 160012 160114 160024 160120 160220 170001 170198 170059 170072 170298 170078 170361 170182 170081 Georgia (continued) Jekyll Island, State Park Auth Paulding County Peachtree City, City of Pooler, Town of Roswell, City ofSavannah, City of Tybee Island, City of Waynesboro, City of Worth County Hawaii Maui County Idaho Ada County Bannock County Blaine County Boise, City of Bonner County Caribou County Eagle, City of Elmore County Garden City, City ofHailey, City of Kellogg, City of Ketchum, City of Kootenai County Moscow, City of Mountain Home, City of Nez Perce County Pocatello, City of Shoshone County Sun Valley, City of Twin Falls, City of Valley County Illinois Adams County Addison, Village ofBartlett, Village of Calumet City, City of Carbondale, City ofCountry Club Hills, City of Deerfield, Village of DeKalb, City of Des Plaines, City of 10/1/93 10/1/91 10/1/93 10/1/93 10/1/91 10/1/92 10/1/93 10/1/91 05/1/03 10/1/95 10/1/94 10/1/94 10/1/94 10/1/91 10/1/05 05/1/06 04/1/00 10/1/94 10/1/98 10/1/92 10/1/92 10/1/92 10/1/92 10/1/94 10/1/94 10/1/01 10/1/94 10/1/94 10/1/94 10/1/94 10/1/94 10/1/96 10/1/91 10/1/91 10/1/00 10/1/02 10/1/93 10/1/95 05/1/05 10/1/93 05/1/06 10/1/96 10/1/03 10/1/95 10/1/96 10/1/98 10/1/04 10/1/97 05/1/03 10/1/00 10/1/99 10/1/99 10/1/99 04/1/01 10/1/05 05/1/06 04/1/00 04/1/01 05/1/03 10/1/97 10/1/97 10/1/02 10/1/00 10/1/99 10/1/99 10/1/01 10/1/99 10/1/94 10/1/99 10/1/94 10/1/99 10/1/01 10/1/97 05/1/04 05/1/03 10/1/02 10/1/94 10/1/05 05/1/05 10/1/03 6 10 7 8 7 8 8 10 9 8 7 8 8 6 9 9 6 8 8 8 8 8 6 8 8 9 8 9 8 9 7 8 7 7 6 9 8 7 8 7 20 0 15 10 15 10 10 0 5 10 15 10 10 20 5 5 20 10 10 10 10 10 20 10 10 5 10 5 10 5 15 10 15 15 20 5 10 15 10 15 10 0 5 5 5 5 5 0 5 5 5 5 5 10 5 5 10 5 5 5 5 5 10 5 5 5 5 5 5 5 5 5 5 5 10 5 5 5 5 5 C R C C C C C R C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded CRS 12 May 1, 2006 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY CURRENT EFFECTIVE CURRENT CLASS % DISCOUNT FOR % DISCOUNT FOR STATUS3 DATE DATE SFHA1 NON-SFHA2 Illinois (continued) 170204 Downers Grove, Village of 10/1/91 10/1/02 7 15 5 C 170091 Flossmoor, Village of 10/1/93 04/1/00 8 10 5 C 170206 Glendale Heights, Village of 10/1/94 05/1/04 7 15 5 C 170107 Hoffman Estates, Village of 10/1/92 10/1/02 7 15 5 C 170400 LaSalle County 05/1/05 05/1/05 9 5 5 C 170116 Lansing, Village of 10/1/93 10/1/01 7 15 5 C 170378 Lincolnshire, Village of 10/1/93 10/1/03 5 25 10 C 170211 Lisle, Village of 10/1/91 10/1/01 7 15 5 C 170129 Mount Prospect, Village of 10/1/91 10/1/02 7 15 5 C 170213 Naperville, City of 10/1/91 10/1/97 10 0 0 R 170822 North Utica, Village of 05/1/05 05/1/05 9 5 5 C 170132 Northbrook, Village of 10/1/94 05/1/04 7 15 5 C 170214 Oak Brook, Village of 10/1/92 10/1/97 7 15 5 C 170172 Orland Hills, Village of 10/1/96 10/1/02 5 25 10 C 175170 Palatine, Village of 10/1/94 05/1/04 7 15 5 C 170533 Peoria County 10/1/92 10/1/97 8 10 5 C 170919 Prospect Heights, City of 10/1/94 05/1/04 8 10 5 C 170912 Sangamon County 04/1/00 04/1/00 8 10 5 C 170163 South Holland, Village of 10/1/92 10/1/02 5 25 10 C 170330 St. Charles, City of 10/1/94 10/1/04 8 10 5 C 170169 Tinley Park, City of 10/1/05 10/1/05 7 15 5 C 170173 Wheeling, Village of 10/1/91 10/1/93 8 10 5 C 170222 Willowbrook, Village of 10/1/91 10/1/02 6 20 10 C 170224 Wood Dale, City of 10/1/99 10/1/04 5 25 10 C Indiana 180302 Allen County 10/1/02 10/1/02 9 5 5 C 180006 Bartholomew County 10/1/93 10/1/93 9 5 5 C 180007 Columbus, City of 10/1/98 10/1/98 9 5 5 C 180001 Decatur, City of 10/1/93 10/1/93 9 5 5 C 180257 Evansville, City of 10/1/99 10/1/04 8 10 5 C 180003 Fort Wayne, City of 10/1/91 05/1/04 7 15 5 C 180080 Hamilton County 10/1/91 05/1/04 7 15 5 C 180419 Hancock County 10/1/03 10/1/03 9 5 5 C 180093 Kokomo, City of 10/1/95 10/1/96 8 10 5 C 180121 Kosciusko, County of 10/1/97 10/1/97 9 5 5 C 180382 Milford Junction, City of 10/1/97 10/1/97 9 5 5 C 180082 Noblesville, City of 10/1/91 05/1/04 7 15 5 C 180465 North Webster, City of 10/1/97 10/1/97 9 5 5 C 180122 Syracuse, City of 10/1/97 10/1/97 9 5 5 C 180256 Vanderburgh County 04/1/99 04/1/99 8 10 5 C 180263 Vigo County 10/1/95 10/1/05 10 0 0 R Iowa 190169 Coralville, City of 10/1/92 10/1/96 10 0 0 R 190242 Davenport, City of 10/1/95 10/1/00 8 10 5 C 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded CRS 13 May 1, 2006 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY CURRENT EFFECTIVE CURRENT CLASS % DISCOUNT FOR % DISCOUNT FOR STATUS3 DATE DATE SFHA1 NON-SFHA2 190227 200250 200096 200090 200215 200173 200298 200177 205187 210017 210010 210219 210227 210062 210075 210280 210051 210055 210120 210067 210122 210126 210063 210127 210298 210193 210072 210366 210203 210312 210097 220013 225193 220033 220361 220037 220200 220116 220027 Iowa (continued) Des Moines, City of Kansas Carbondale, City ofHayes, City of Lawrence, City ofLindsborg, City of Olathe, City of Riley County Shawnee, City of Topeka, City of Kentucky Ashland, City of Bell County Bowling Green, City of Corbin, City of Daviess County Frankfort, City of Franklin County Grayson, City of Hopkinsville, City of Jefferson County Lexington-Fayette Urban County Louisville, City of Nicholasville, City of Owensboro, City ofPaintsville, City of Pike County Pikeville, City of Prestonsburg, City of Radcliff, City of Rowan County Warren County West Point, City of Louisiana Ascension Parish Baker, City of Bossier City, City of Caddo Parish Calcasieu Parish Covington, City of Denham Springs, City of Deridder, City of10/1/91 10/1/92 10/1/92 10/1/04 10/1/92 10/1/93 10/1/92 10/1/91 10/1/92 10/1/92 10/1/94 10/1/91 10/1/93 05/1/03 10/1/92 10/1/93 10/1/92 10/1/91 10/1/91 10/1/91 10/1/91 10/1/91 05/1/03 10/1/92 10/1/95 10/1/92 10/1/92 10/1/95 10/1/94 10/1/91 10/1/95 10/1/92 10/1/91 10/1/92 10/1/95 10/1/91 10/1/95 10/1/91 10/1/95 10/1/02 10/1/96 10/1/03 10/1/04 10/1/92 10/1/93 10/1/93 10/1/01 10/1/01 10/1/97 10/1/97 10/1/92 10/1/94 05/1/05 10/1/92 10/1/97 10/1/92 10/1/96 10/1/00 10/1/97 10/1/00 10/1/97 05/1/05 10/1/92 10/1/95 10/1/92 10/1/92 10/1/95 10/1/94 10/1/92 10/1/00 10/1/04 10/1/91 05/1/05 10/1/95 10/1/91 10/1/96 10/1/91 10/1/95 7 10 10 8 9 9 10 8 10 10 10 8 10 8 9 10 9 10 6 8 6 8 8 9 9 9 9 9 9 8 10 8 9 8 9 9 10 9 9 15 0 0 10 5 5 0 10 0 0 0 10 0 10 5 0 5 0 20 10 20 10 10 5 5 5 5 5 5 10 0 10 5 10 5 5 0 5 5 5 0 0 5 5 5 0 5 0 0 0 5 0 5 5 0 5 0 10 5 10 5 5 5 5 5 5 5 5 5 0 5 5 5 5 5 0 5 5 C R R C C C R C R R R C R C C R C R C C C C C C C C C C C C R C C C C C R C C 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded CRS 14 May 1, 2006 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY CURRENT EFFECTIVE CURRENT CLASS % DISCOUNT FOR % DISCOUNT FOR STATUS3 DATE DATE SFHA1 NON-SFHA2 220058 220117 220015 225198 220220 225199 225201 225202 220040 220113 220248 220202 220136 220196 225203 220135 220119 220008 220347 220036 220204 220016 220160 220261 220164 225205 220206 225206 220121 220239 220061 230191 230208 230001 230043 230057 230018 230209 230069 230004 230178 230632 230153 230112 Louisiana (continued) East Baton Rouge Parish French Settlement, Village of Gonzales, City of Gretna, City of Houma, City of Jefferson Parish Kenner, City of Lafourche Parish Lake Charles, City of Livingston Parish Lutcher, Town of Mandeville, Town of Monroe, City of Morgan City, City ofNew Orleans/Orleans Parish Ouachita Parish Port Vincent, Village of Rayne, City of Ruston, City of Shreveport, City of Slidell, City of Sorrento, Town of St. Charles Parish St. James Parish St. John The Baptist Parish St. Tammany Parish Tangipahoa Parish Terrebonne Parish Walker, Town of West Baton Rouge Parish Zachary, City of Maine Alfred, Town of Arrowsic, Town of Auburn, City of Cape Elizabeth, Town of Farmington, Town of Fort Fairfield, Town of Georgetown, Town ofHallowell, City of Lewiston, City of Norridgewock, City of Ogunquit, Town of Old Orchard Beach, Town of Old Town, City of 10/1/91 10/1/92 10/1/92 10/1/00 10/1/92 10/1/92 10/1/92 01/1/92 10/1/04 10/1/92 10/1/92 10/1/92 10/1/03 10/1/91 10/1/91 10/1/02 10/1/92 10/1/91 10/1/92 10/1/91 10/1/92 10/1/92 10/1/91 10/1/91 10/1/94 10/1/92 10/1/96 10/1/92 10/1/92 10/1/93 10/1/92 10/1/91 10/1/93 10/1/92 10/1/94 10/1/94 10/1/02 10/1/01 10/1/96 10/1/93 10/1/97 10/1/92 10/1/93 10/1/05 10/1/94 10/1/92 10/1/92 10/1/00 10/1/04 05/1/03 10/1/93 05/1/04 10/1/04 10/1/92 10/1/92 10/1/02 10/1/03 05/1/06 10/1/01 10/1/02 10/1/97 10/1/91 10/1/92 10/1/92 10/1/92 10/1/92 10/1/91 10/1/97 10/1/94 10/1/92 10/1/96 10/1/04 10/1/92 10/1/96 10/1/92 10/1/93 10/1/93 10/1/92 10/1/94 10/1/94 10/1/02 10/1/01 10/1/96 05/1/97 10/1/97 05/1/03 10/1/93 10/1/05 7 9 9 8 8 7 8 10 9 9 9 8 9 8 8 9 10 9 9 8 9 9 9 8 9 9 9 8 9 8 9 8 9 9 9 9 8 9 9 8 9 8 9 8 15 5 5 10 10 15 10 0 5 5 5 10 5 10 10 5 0 5 5 10 5 5 5 10 5 5 5 10 5 10 5 10 5 5 5 5 10 5 5 10 5 10 5 10 5 5 5 5 5 5 5 0 5 5 5 5 5 5 5 5 0 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 C C C C C C C R C C C C C C C C R C C C C C C C C C C C C C C C C C C C C C C C C C C C 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded CRS 15 May 1, 2006 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY CURRENT EFFECTIVE CURRENT CLASS % DISCOUNT FOR % DISCOUNT FOR STATUS3 DATE DATE SFHA1 NON-SFHA2 230120 230051 230155 230128 230157 230293 230158 230159 240042 240011 240130 240040 240012 245207 245208 250286 250233 250004 250082 250008 250085 250273 250167 250060 250010 250278 255219 250282 250218 250349 260142 260473 260221 260172 260657 260226 260118 260150 260140 260175 Maine (continued) Phippsburg, Town of Portland, City of Saco, City of Skowhegan, Town of South Berwick, Town of Southwest Harbor, Town of Wells, Town of York, Town of Maryland Bel Air, Town of Calvert County Caroline County Harford County North Beach, City of Ocean City, Town of Prince George’s County Massachusetts Boston, City of Braintree, Town of Chatham, Town of Gloucester, City of Harwich, Town of Haverhill, City of Marshfield, Town of Northampton, City of Norton, Town of Orleans, City of Plymouth, Town of Quincy, City of Scituate, Town of Tewksbury, Town of Worcester, City of Michigan Bedford, Township of Commerce, Township of Dearborn Heights, City of Farmington Hills, City of Fraser, Township of Gibraltar, City of Hamburg, Township of Luna Pier, City of Midland, City of Novi, City of 10/1/93 10/1/93 10/1/92 10/1/91 10/1/94 10/1/96 10/1/91 10/1/01 10/1/93 10/1/91 10/1/96 10/1/91 01/1/92 10/1/92 10/1/91 10/1/92 10/1/92 10/1/92 10/1/92 10/1/95 10/1/92 10/1/91 05/1/03 10/1/91 10/1/93 10/1/91 10/1/93 10/1/91 10/1/93 10/1/95 05/1/02 05/1/03 10/1/92 10/1/94 05/1/03 10/1/92 10/1/99 05/1/02 10/1/92 10/1/99 10/1/93 10/1/01 10/1/99 10/1/03 05/1/05 10/1/02 10/1/93 10/1/01 10/1/03 10/1/96 10/1/96 10/1/00 10/1/01 10/1/02 10/1/01 10/1/97 10/1/00 10/1/93 10/1/97 10/1/95 10/1/92 05/1/97 05/1/03 10/1/91 10/1/93 10/1/91 05/1/97 10/1/95 10/1/93 10/1/95 05/1/02 05/1/03 10/1/92 10/1/95 05/1/03 10/1/02 10/1/99 05/1/02 10/1/02 10/1/99 9 8 8 8 8 9 8 8 8 10 9 7 8 7 5 10 8 8 10 9 9 6 8 9 9 9 7 7 9 9 8 9 9 10 9 8 8 8 6 7 5 10 10 10 10 5 10 10 10 0 5 15 10 15 25 0 10 10 0 5 5 20 10 5 5 5 15 15 5 5 10 5 5 0 5 10 10 10 20 15 5 5 5 5 5 5 5 5 5 0 5 5 5 5 10 0 5 5 0 5 5 10 5 5 5 5 5 5 5 5 5 5 5 0 5 5 5 5 10 5 C C C C C C C C C R C C C C C R C C R C C C C C C C C C C C C C C R C C C C C C 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded CRS 16 May 1, 2006 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY CURRENT EFFECTIVE CURRENT CLASS % DISCOUNT FOR % DISCOUNT FOR STATUS3 DATE DATE SFHA1 NON-SFHA2 260185 260577 260128 260243 260728 260503 260285 275228 275236 275240 270307 275246 270729 285251 285252 280016 280332 280179 285253 285255 280053 280070 280072 285257 280229 280096 285259 285261 280110 280100 280176 285262 290188 290351 290172 290362 290315 300009 Michigan (continued) Park, Township of Portage, City of Sterling Heights, City of Sumpter, Township of Taylor, City of Taymouth, Township of Zilwaukee, City of Minnesota Austin, City of East Grand Forks, City of Lake St. Croix Beach, City of Mower County Rochester, City of West St. Paul, City of Mississippi Bay St. Louis, City of Biloxi, City of Cleveland, City ofGautier, City ofGreenville, City of Gulfport, City of Harrison County Hattiesburg, City ofHinds County Jackson, City ofLong Beach, City of Madison, City ofMeridian, City of Ocean Springs, City of Pass Christian, City of Ridgeland, City ofTupelo, City of Vicksburg, City ofWaveland, City of Missouri Arnold, City of Ferguson, City of Independence,City ofKirkwood, City of St. Charles County Montana Belt, Town of 05/1/03 10/1/92 10/1/95 10/1/95 05/1/03 05/1/03 05/1/04 10/1/91 10/1/91 10/1/95 10/1/95 10/1/91 10/1/91 10/1/95 10/1/96 10/1/93 10/1/94 10/1/93 10/1/96 10/1/03 10/1/94 10/1/93 10/1/91 10/1/00 10/1/96 10/1/92 10/1/92 10/1/93 10/1/94 05/1/03 10/1/93 10/1/93 10/1/91 10/1/95 10/1/91 10/1/91 10/1/01 10/1/91 05/1/03 05/1/02 05/1/05 10/1/04 05/1/03 05/1/03 05/1/04 10/1/01 10/1/98 10/1/00 04/1/00 10/1/96 10/1/96 10/1/00 10/1/03 04/1/99 04/1/00 05/1/03 10/1/01 10/1/03 05/1/02 10/1/93 10/1/96 10/1/00 10/1/01 10/1/95 10/1/02 10/1/03 10/1/04 05/1/03 04/1/01 10/1/02 05/1/04 04/1/01 10/1/01 10/1/96 05/1/05 10/1/92 9 8 7 10 9 9 8 5 10 8 8 10 10 7 7 8 8 8 8 8 7 9 8 8 8 8 8 6 8 8 7 6 10 10 7 10 7 8 5 10 15 0 5 5 10 25 0 10 10 0 0 15 15 10 10 10 10 10 15 5 10 10 10 10 10 20 10 10 15 20 0 0 15 0 15 10 5 5 5 0 5 5 5 10 0 5 5 0 0 5 5 5 5 5 5 5 5 5 5 5 5 5 5 10 5 5 5 10 0 0 5 0 5 5 C C C R C C C C R C C R R C C C C C C C C C C C C C C C C C C C R R C R C C 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded CRS 17 May 1, 2006 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY CURRENT EFFECTIVE CURRENT CLASS % DISCOUNT FOR % DISCOUNT FOR STATUS3 DATE DATE SFHA1 NON-SFHA2 Montana (continued) 300028 Bozeman, City of 10/1/92 05/1/03 7 15 5 C 300008 Cascade County 10/1/91 04/1/01 8 10 5 C 300108 Circle, Town of 10/1/91 10/1/93 8 10 5 C 300023 Flathead County 10/1/93 10/1/93 9 5 5 C 300010 Great Falls, City of 10/1/91 04/1/01 7 15 5 C 300038 Lewis and Clark County 10/1/91 10/1/02 8 10 5 C 300014 Miles City, City of 10/1/91 10/1/94 9 5 5 C 300048 Missoula County 10/1/91 05/1/02 8 10 5 C 300049 Missoula, City of 10/1/91 05/1/02 8 10 5 C 300029 Three Forks, Town of 10/1/93 10/1/98 8 10 5 C 300142 Yellowstone County 05/1/03 05/1/03 8 10 5 C Nebraska 310069 Fremont, City of 10/1/91 10/1/91 9 5 5 C 315273 Lincoln, City of 10/1/91 05/1/03 7 15 5 C Nevada 320001 Carson City, City of 10/1/94 04/1/99 8 10 5 C 320003 Clark County 10/1/92 10/1/03 6 20 10 C 320008 Douglas County 10/1/93 10/1/04 6 20 10 C 320005 Henderson, City of 10/1/91 10/1/03 6 20 10 C 325276 Las Vegas, City of 10/1/91 10/1/03 6 20 10 C 320035 Mesquite, City of 10/1/02 10/1/02 8 10 5 C 320007 North Las Vegas, City of 10/1/91 10/1/03 6 20 10 C 320033 Storey County 10/1/94 10/1/99 8 10 5 C New Hampshire 330023 Keene, City of 05/1/02 05/1/03 8 10 5 C 330024 Marlborough, Town of 10/1/94 10/1/94 9 5 5 C 330101 Peterborough, Town of 05/1/04 05/1/04 8 10 5 C 330141 Rye, Town of 05/1/05 05/1/05 9 5 5 C 330028 Winchester, Town of 05/1/02 05/1/02 9 5 5 C New Jersey 345278 Atlantic City, City of 10/1/92 10/1/00 9 5 5 C 345279 Avalon, Borough of 10/1/96 10/1/00 7 15 5 C 345280 Barnegat Light, Borough of 10/1/92 10/1/01 8 10 5 C 340396 Barnegat, Township of 10/1/92 10/1/97 10 0 0 R 345281 Bay Head, Borough of 10/1/93 10/1/98 8 10 5 C 345282 Beach Haven, Borough of 10/1/91 05/1/04 7 15 5 C 340427 Bedminister, Township of 10/1/96 10/1/00 7 15 5 C 340459 Berkeley Heights, Township 10/1/94 04/1/99 10 0 0 R 340369 Berkeley, Township of 10/1/92 10/1/94 10 0 0 R 340178 Bloomfield, Town of 10/1/92 10/1/97 10 0 0 R 340289 Bradley Beach, Borough of 10/1/95 10/1/00 7 15 5 C 345286 Brigantine, City of 10/1/92 10/1/01 7 15 5 C 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded CRS 18 May 1, 2006 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY CURRENT EFFECTIVE CURRENT CLASS % DISCOUNT FOR % DISCOUNT FOR STATUS3 DATE DATE SFHA1 NON-SFHA2 345287 345288 345289 345293 340031 340570 340246 345296 340376 340379 345300 340467 340046 340047 345301 345302 345303 340383 345304 340188 340517 345307 345308 345309 345310 340518 340355 340512 345311 345312 340388 345313 345528 345314 340067 340359 340472 340474 345317 345318 345319 345320 340329 New Jersey (continued) Burlington, City of Cape May City, City of Cape May Point, Borough of Dover, Township of Englewood, City ofHackensack Meadowlands Development Commission Hamilton, Township of Harvey Cedars, Borough ofLacey, Township of Lavallette, Borough of Lincoln Park, Borough of Linden, City of Little Ferry, Borough of Lodi, Borough of Long Beach, Township of Longport, Borough of Manasquan, Borough of Mantoloking, Borough of Margate City, City of Montclair, Township of Mullica, Township of North Plainfield, City of North Wildwood, City of Oakland, Borough of Ocean City, City ofOcean, Township of Parsippany-Troy Hills, Township of Pennsville, Township of Pequannock, Village ofPlainfield, City of Point Pleasant Beach, Borough of Point Pleasant, Borough of Pompton Lakes, Borough of Rahway, City of Ridgewood, Village ofRiverdale, Borough of Roselle, Borough of Scotch Plains, Township of Sea Bright, Borough of Sea Isle City, City of Seaside Park, Borough of Ship Bottom, Borough of Spring Lake, Borough of 04/1/98 10/1/94 10/1/93 10/1/92 10/1/91 10/1/92 10/1/92 10/1/91 10/1/92 05/1/04 10/1/91 10/1/91 10/1/93 10/1/92 10/1/92 10/1/95 10/1/92 10/1/92 10/1/92 10/1/94 10/1/94 10/1/92 10/1/00 10/1/95 10/1/92 10/1/95 10/1/91 10/1/92 10/1/91 10/1/91 10/1/92 10/1/93 10/1/91 10/1/92 10/1/92 10/1/94 10/1/92 10/1/94 10/1/92 10/1/92 10/1/92 10/1/92 10/1/94 10/1/03 10/1/99 10/1/94 10/1/92 10/1/01 10/1/02 10/1/02 10/1/99 10/1/93 05/1/05 10/1/97 10/1/02 10/1/94 10/1/93 10/1/99 10/1/00 10/1/98 10/1/01 10/1/99 10/1/95 10/1/01 10/1/92 10/1/00 10/1/96 10/1/01 10/1/95 10/1/91 10/1/97 10/1/97 10/1/98 10/1/97 10/1/93 10/1/96 10/1/02 10/1/02 10/1/94 01/1/98 10/1/95 10/1/97 10/1/95 10/1/97 10/1/02 10/1/99 8 8 7 9 10 8 8 8 10 8 8 8 10 10 7 8 8 7 7 10 9 9 7 10 7 9 9 10 10 10 10 9 10 8 7 9 8 10 10 10 10 8 8 10 10 15 5 0 10 10 10 0 10 10 10 0 0 15 10 10 15 15 0 5 5 15 0 15 5 5 0 0 0 0 5 0 10 15 5 10 0 0 0 0 10 10 5 5 5 5 0 5 5 5 0 5 5 5 0 0 5 5 5 5 5 0 5 5 5 0 5 5 5 0 0 0 0 5 0 5 5 5 5 0 0 0 0 5 5 C C C C R C C C R C C C R R C C C C C R C C C R C C C R R R R C R C C C C R R R R C C 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded CRS 19 May 1, 2006 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY CURRENT EFFECTIVE CURRENT CLASS % DISCOUNT FOR % DISCOUNT FOR STATUS3 DATE DATE SFHA1 NON-SFHA2 340393 345323 345324 340395 340331 345326 345327 345328 345330 345331 350045 350002 350001 350010 350012 350067 350029 355332 350054 350006 360226 360147 360790 360988 360148 361342 360570 361055 360149 360772 360463 360150 360151 360774 360464 360417 360777 360153 360154 360308 New Jersey (continued) Stafford, Township of Stone Harbor, Borough of Surf City, Borough of Tuckerton, Borough of Union Beach, Borough of Ventnor, City of Wayne, Township of West Wildwood, Borough of Wildwood Crest, Borough of Woodbridge, Township of New Mexico Alamogordo, City ofAlbuquerque, City of Bernalillo County Clovis, City of Dona Ana County Farmington, City ofHobbs, City of Las Cruces, City of Portales, City of Roswell, City ofNew York Amherst, Town of Ashland, Town of Babylon,Town of Bayville, Village of Big Flats, Town of Brightwaters, Village of Camillus, Town of Catlin, Town of Chemung, Town of Corning, City of East Rockaway, Village of Elmira, City of Elmira, Town of Erwin, Town of Freeport, Village of Greece, Town of Hornellsville, Town of Horseheads, Town of Horseheads, Village of Ilion, Village of 10/1/91 10/1/94 10/1/92 10/1/93 10/1/03 10/1/92 10/1/91 10/1/93 10/1/93 10/1/92 10/1/91 10/1/93 10/1/93 10/1/91 10/1/03 10/1/91 10/1/92 10/1/91 10/1/95 10/1/92 10/1/95 10/1/91 10/1/92 10/1/92 10/1/91 10/1/93 10/1/96 10/1/91 10/1/91 10/1/91 10/1/92 10/1/91 10/1/91 10/1/91 10/1/92 10/1/92 10/1/91 10/1/91 10/1/91 10/1/00 10/1/00 10/1/96 10/1/98 10/1/98 10/1/03 10/1/99 10/1/00 10/1/05 10/1/03 10/1/97 10/1/91 10/1/95 10/1/93 10/1/91 10/1/03 10/1/91 10/1/94 10/1/93 10/1/95 10/1/92 05/1/97 10/1/91 10/1/93 10/1/03 10/1/96 10/1/98 10/1/01 10/1/97 10/1/91 10/1/91 10/1/92 05/1/97 10/1/91 10/1/91 10/1/97 10/1/92 10/1/92 10/1/91 10/1/91 10/1/00 7 8 8 10 8 8 8 10 8 10 9 8 9 9 9 9 8 8 9 9 8 9 10 8 8 10 10 10 9 9 9 8 9 9 8 9 10 9 9 9 15 10 10 0 10 10 10 0 10 0 5 10 5 5 5 5 10 10 5 5 10 5 0 10 10 0 0 0 5 5 5 10 5 5 10 5 0 5 5 5 5 5 5 0 5 5 5 0 5 0 5 5 5 5 5 5 5 5 5 5 5 5 0 5 5 0 0 0 5 5 5 5 5 5 5 5 0 5 5 5 C C C R C C C R C R C C C C C C C C C C C C R C C R R R C C C C C C C C R C C C 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded CRS 20 May 1, 2006 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY DATE CURRENT EFFECTIVE DATE CURRENT CLASS % DISCOUNT FOR SFHA1 % DISCOUNT FOR NON-SFHA2 STATUS3 New York (continued) 360047 360247 360476 360506 360801 360667 360780 360932 365342 365343 360156 360595 360056 361057 360157 370404 370044 370183 375346 370015 370253 370231 370036 370039 370046 375347 370043 370238 370391 370465 370159 370263 370037 370072 370443 370076 370078 375348 370085 370062 370047 370190 375349 370255 Johnson City, Village of Lackawanna, City ofLawrence, Village ofNiagara Falls, City of Northport, Village of Oneonta, City ofPulteney, Town of Scarsdale, Village ofSouthampton, Town ofSouthampton, Village ofSouthport, Town of Syracuse, City of Union, Town of Veteran, Town of Wellsburg, Village of North Carolina Alliance, Town of Atlantic Beach, Town of Bayboro, Town of Beaufort, City of Belhaven, Town of Boone, Town of Brevard, City ofCabarrus County Caldwell County Cape Carteret, Town of Carolina Beach, Town of Carteret County Cary, Town of Caswell Beach, City of Cedar Point, Town of Charlotte, City of Clinton, City ofConcord, City of Craven County Creswell, Town of Cumberland County Currituck County Dare County Durham County Edenton, Town of Emerald Isle, Town of Farmville, Town of Forsyth County Goldsboro, City of 10/1/91 10/1/91 9 5 5 05/1/03 05/1/03 9 5 5 10/1/92 10/1/03 8 10 5 10/1/92 10/1/02 8 10 5 10/1/94 10/1/94 9 5 5 10/1/94 05/1/04 8 10 5 10/1/91 10/1/93 10 0 0 10/1/93 10/1/98 8 10 5 10/1/95 10/1/05 8 10 5 10/1/92 10/1/93 10 0 0 10/1/91 10/1/91 9 5 5 10/1/93 10/1/93 9 5 5 10/1/91 10/1/01 9 5 5 10/1/91 10/1/96 10 0 0 10/1/91 10/1/91 9 5 5 10/1/92 10/1/92 9 5 5 10/1/92 10/1/93 8 10 5 10/1/92 10/1/92 9 5 5 10/1/94 10/1/05 8 10 5 10/1/93 10/1/94 8 10 5 10/1/91 10/1/00 7 15 5 10/1/92 10/1/92 9 5 5 10/1/91 10/1/91 9 5 5 04/1/00 04/1/00 9 5 5 10/1/93 10/1/03 8 10 5 10/1/93 04/1/99 7 15 5 10/1/91 10/1/92 8 10 5 10/1/92 10/1/96 10 0 0 10/1/94 10/1/00 7 15 5 10/1/92 10/1/92 9 5 5 10/1/91 05/1/06 5 25 10 10/1/94 10/1/94 9 5 5 10/1/93 10/1/03 8 10 5 10/1/91 10/1/01 8 10 5 10/1/94 10/1/99 8 10 5 10/1/96 10/1/96 9 5 5 10/1/93 10/1/03 7 15 5 10/1/91 10/1/01 7 15 5 10/1/92 10/1/92 9 5 5 10/1/93 10/1/93 9 5 5 10/1/93 10/1/03 7 15 5 10/1/04 10/1/04 8 10 5 10/1/93 10/1/93 9 5 5 10/1/93 05/1/03 8 10 5 C C C C C C R C C R C C C R C C C C C C C C C C C C C R C C C C C C C C C C C C C C C C 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded CRS 21 May 1, 2006 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY CURRENT EFFECTIVE CURRENT CLASS % DISCOUNT FOR % DISCOUNT FOR STATUS3 DATE DATE SFHA1 NON-SFHA2 370191 370192 370111 370265 375352 370133 370178 375353 370145 370439 370144 370081 375355 370158 370418 370048 375356 370167 370074 370168 370049 370466 370523 375357 370279 370181 370267 370160 370372 370249 370243 370092 370421 370220 370430 370028 370437 375359 370187 370438 370368 370247 370268 370017 370251 370254 North Carolina (continued) Greenville, City of Grifton, Town of Guilford County Havelock, City of Holden Beach, Town of Hyde County Jacksonville, City ofKill Devil Hills, City of Kinston, City ofKitty Hawk, Town of Lenoir County Lexington, City ofManteo, Town of Mecklenburg County Minnesott Beach, Town of Morehead City, Town of Nags Head, City ofNashville, Town of New Bern, City of New Hanover County Newport, Town of North Topsail Beach, Town of Oak Island Ocean Isle Beach, Town of Oriental, Town of Pamlico County Pine Knoll Shores, Town of Pineville, Town of Pitt County Plymouth, Town of Raleigh, City of Rocky Mount, City of Roper, Town of Sampson County Southern Shores, Town of Southport, City ofStonewall, Town of Sunset Beach, Town of Topsail Beach, Town of Vandemere, Town of Wake County Washington County Washington Park, Town of Washington, City ofWatauga County Wayne County 10/1/92 10/1/04 10/1/93 10/1/95 10/1/91 10/1/92 10/1/91 10/1/91 10/1/94 10/1/91 10/1/94 10/1/93 10/1/91 10/1/91 10/1/92 10/1/92 10/1/91 10/1/94 10/1/92 10/1/91 10/1/92 10/1/92 10/1/91 10/1/92 10/1/92 10/1/92 10/1/92 10/1/91 10/1/02 10/1/94 10/1/91 10/1/92 10/1/94 10/1/94 10/1/92 10/1/91 10/1/92 10/1/91 10/1/92 10/1/92 10/1/91 10/1/94 10/1/92 10/1/92 10/1/91 10/1/93 10/1/02 10/1/04 10/1/93 10/1/99 10/1/92 10/1/92 10/1/05 10/1/01 05/1/06 10/1/02 05/1/06 10/1/93 10/1/01 05/1/06 10/1/92 10/1/93 10/1/01 05/1/05 05/1/04 10/1/01 10/1/92 10/1/02 10/1/01 10/1/02 10/1/97 10/1/97 10/1/02 05/1/06 10/1/04 10/1/99 10/1/01 10/1/02 10/1/99 10/1/99 10/1/96 10/1/05 10/1/92 10/1/00 10/1/02 10/1/92 10/1/96 10/1/99 10/1/92 10/1/02 10/1/91 05/1/03 8 5 9 8 8 9 8 7 5 6 7 9 7 6 9 8 6 8 10 7 9 7 7 7 9 9 7 6 8 8 8 8 8 10 6 8 9 8 6 9 10 8 9 8 9 7 10 25 5 10 10 5 10 15 25 20 15 5 15 20 5 10 20 10 0 15 5 15 15 15 5 5 15 20 10 10 10 10 10 0 20 10 5 10 20 5 0 10 5 10 5 15 5 10 5 5 5 5 5 5 10 10 5 5 5 10 5 5 10 5 0 5 5 5 5 5 5 5 5 10 5 5 5 5 5 0 10 5 5 5 10 5 0 5 5 5 5 5 C C C C C C C C C C C C C C C C C C R C C C C C C C C C C C C C C R C C C C C C R C C C C C 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded CRS 22 May 1, 2006 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY CURRENT EFFECTIVE CURRENT CLASS % DISCOUNT FOR % DISCOUNT FOR STATUS3 DATE DATE SFHA1 NON-SFHA2 370464 370071 370270 375360 370193 375361 385364 385365 390183 390038 390110 390412 390328 390071 390176 390737 390432 390472 390460 390479 390131 390419 400220 400207 400078 400236 400234 400221 400252 400062 400049 400245 400211 400053 405380 405381 410137 410090 North Carolina (continued) Whispering Pines, Village of Whiteville, City of Wilson, City of Winston-Salem, City of Winterville, Town of Wrightsville Beach, Town of North Dakota Fargo, City of Grand Forks, City of Ohio Delta, Village ofFairfield, City of Highland Heights, City of Kettering, City of Licking County New Richmond, Village of Obetz, Village of Orange, Village of Ottawa County Ottawa, Village of Preble County Shelby, City of South Euclid, City of West Carrollton, City of Oklahoma Bartlesville, City ofBixby, Town of Blackwell, City of Broken Arrow, City of Chickasha, City ofDewey, City of Edmond, City of Enid, City of Lawton, City of Lindsay, City of Sand Springs, City of Sapulpa, City of Stillwater, City of Tulsa, City of Oregon Albany, City of Ashland, City of 10/1/91 10/1/96 10/1/91 10/1/93 10/1/93 10/1/91 05/1/06 10/1/91 10/1/92 10/1/93 10/1/91 10/1/95 10/1/93 10/1/92 10/1/96 10/1/91 10/1/92 10/1/95 10/1/98 10/1/92 10/1/91 05/1/02 10/1/92 10/1/93 10/1/91 10/1/93 10/1/92 10/1/92 10/1/93 10/1/93 10/1/91 10/1/92 10/1/91 10/1/92 10/1/91 10/1/91 10/1/91 10/1/91 10/1/96 10/1/05 10/1/05 10/1/93 10/1/97 10/1/01 05/1/06 10/1/01 10/1/92 10/1/98 10/1/92 10/1/00 10/1/97 10/1/02 10/1/96 10/1/91 10/1/92 10/1/95 10/1/98 10/1/92 10/1/91 05/1/02 10/1/02 10/1/98 10/1/93 10/1/03 10/1/92 10/1/92 10/1/93 10/1/93 10/1/04 10/1/93 10/1/93 10/1/93 10/1/96 10/1/03 05/1/97 10/1/96 10 8 7 9 10 5 7 5 9 8 10 8 8 8 9 9 9 9 9 9 9 9 7 10 8 8 9 9 9 9 7 10 8 10 9 2 8 8 0 10 15 5 0 25 15 25 5 10 0 10 10 10 5 5 5 5 5 5 5 5 15 0 10 10 5 5 5 5 15 0 10 0 5 40 10 10 0 5 5 5 0 10 5 10 5 5 0 5 5 5 5 5 5 5 5 5 5 5 5 0 5 5 5 5 5 5 5 0 5 0 5 10 5 5 R C C C R C C C C C R C C C C C C C C C C C C R C C C C C C C R C R C C C C 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded CRS 23 May 1, 2006 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY CURRENT EFFECTIVE CURRENT CLASS % DISCOUNT FOR % DISCOUNT FOR STATUS3 DATE DATE SFHA1 NON-SFHA2 410043 410240 410008 410029 410092 415588 410009 410059 410122 410108 410175 415589 410154 410096 410064 410200 410021 410186 410183 410201 410098 410067 410039 410144 410257 410213 410100 410196 420339 421062 421134 420380 420642 420612 420613 420831 420687 422105 421040 425384 420754 421101 420834 420372 Oregon (continued) Bandon, City of Beaverton,City ofBenton County Cannon Beach, City of Central Point, City of Clackamas County Corvallis, City ofDouglas County Eugene, City of Grants Pass, City of Heppner, City of Jackson County Marion County Medford, City ofMyrtle Creek, City of Nehalam, City of Oregon City, City ofPolk County Portland, City of Rockaway Beach, City of Rogue River, City of Roseburg, City of Scappoose, City of Scio, City of Sheridan, City of Stanfield, City of Talent, City of Tillamook County Pennsylvania Bloomsburg, Town ofEtna, Borough of Granville, Township of Harrisburg,City of Jersey Shore, Borough of Kingston, Borough ofKingston, Township of Lewisburg, Borough of Lewistown, Borough of Limestone, Township of Loyalsock, Township of Milton, Borough of Newport, Borough of Shaler, Township of Union, Township of Upper Allen, Township of 05/1/05 10/1/91 10/1/02 10/1/94 10/1/92 10/1/04 10/1/91 10/1/00 10/1/91 10/1/92 05/1/06 10/1/91 04/1/01 10/1/94 05/1/03 10/1/03 10/1/03 10/1/91 10/1/01 10/1/04 10/1/92 10/1/94 10/1/93 05/1/04 10/1/01 10/1/91 10/1/00 04/1/01 10/1/93 10/1/96 10/1/93 10/1/91 10/1/93 10/1/92 10/1/92 10/1/93 10/1/93 10/1/93 10/1/94 10/1/92 10/1/94 10/1/94 10/1/93 10/1/92 05/1/05 10/1/94 10/1/02 10/1/99 05/1/02 10/1/04 10/1/01 10/1/00 10/1/01 05/1/02 05/1/06 05/1/02 04/1/01 10/1/94 05/1/03 10/1/03 10/1/03 10/1/01 10/1/01 10/1/04 05/1/02 10/1/99 10/1/98 05/1/04 10/1/01 10/1/03 05/1/06 04/1/01 10/1/03 05/1/04 10/1/93 05/1/06 10/1/93 10/1/92 04/1/93 10/1/03 10/1/93 10/1/98 04/1/01 10/1/03 10/1/94 10/1/04 10/1/98 10/1/97 9 10 7 7 7 5 7 8 7 8 8 7 7 9 8 7 9 8 6 8 7 8 8 9 8 8 9 6 8 8 9 6 9 9 10 8 9 10 10 8 9 8 10 10 5 0 15 15 15 25 15 10 15 10 10 15 15 5 10 15 5 10 20 10 15 10 10 5 10 10 5 20 10 10 5 20 5 5 0 10 5 0 0 10 5 10 0 0 5 0 5 5 5 10 5 5 5 5 5 5 5 5 5 5 5 5 10 5 5 5 5 5 5 5 5 10 5 5 5 10 5 5 0 5 5 0 0 5 5 5 0 0 C R C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C R C C R R C C C R R 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded CRS 24 May 1, 2006 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY CURRENT EFFECTIVE CURRENT CLASS % DISCOUNT FOR % DISCOUNT FOR STATUS3 DATE DATE SFHA1 NON-SFHA2 421119 420631 445401 445402 445404 440022 450002 450262 450025 450026 455413 455412 450056 455414 450078 455415 450087 450089 450091 450250 455416 450257 450129 450039 450040 455417 450109 450042 450110 450255 450166 450043 450170 450249 450256 455418 450182 450184 465420 Pennsylvania (continued) Upper St. Clair, Township of Wilkes-Barre, City of Rhode Island Middletown, Town of Narragansett, Town ofNorth Kingstown, Town of Pawtucket, City ofSouth Carolina Aiken County Awendaw, Town of Beaufort County Beaufort, City of Charleston County Charleston, City ofColleton County Edisto Beach,Town of Florence, City of Folly Beach, Township of Georgetown, City ofGreenville County Greenville, City of Hilton Head Island, Town of Isle of Palms, City of Kiawah Island, Town of Lexington County McClellanville, Town of Meggett, City of Mount Pleasant, City of Myrtle Beach, City of North Charleston, City of North Myrtle Beach, Town of Pawley’s Island, Town of Pickens County Ravenel, Town of Richland County Rockville, Town of Seabrook Island, Town of Sullivans Island, Town of Sumter County Sumter, City of South Dakota Rapid City, City of10/1/98 10/1/92 10/1/91 10/1/92 10/1/93 10/1/02 10/1/93 10/1/96 10/1/91 10/1/92 10/1/95 10/1/93 05/1/05 10/1/92 10/1/91 10/1/96 10/1/93 10/1/93 10/1/91 10/1/91 10/1/94 10/1/96 10/1/91 10/1/00 10/1/96 10/1/94 10/1/91 05/1/03 10/1/91 10/1/05 04/1/99 10/1/96 10/1/95 10/1/98 10/1/95 05/1/04 10/1/92 10/1/92 10/1/92 10/1/03 10/1/02 04/1/00 10/1/92 10/1/93 10/1/02 10/1/93 10/1/05 10/1/96 10/1/97 10/1/05 05/1/05 05/1/05 10/1/96 10/1/97 10/1/01 10/1/03 10/1/03 10/1/04 10/1/97 10/1/04 10/1/00 10/1/91 10/1/00 10/1/05 10/1/01 05/1/03 05/1/03 10/1/97 10/1/05 05/1/04 10/1/05 10/1/95 10/1/05 10/1/00 05/1/04 10/1/92 10/1/92 10/1/02 8 7 8 9 9 8 9 6 8 8 5 7 8 8 8 8 8 8 7 6 7 6 9 8 6 8 5 8 7 9 8 6 9 6 6 8 9 9 8 10 15 10 5 5 10 5 20 10 10 25 15 10 10 10 10 10 10 15 20 15 20 5 10 20 10 25 10 15 5 10 20 5 20 20 10 5 5 10 5 5 5 5 5 5 5 10 5 5 10 5 5 5 5 5 5 5 5 10 5 10 5 5 10 5 10 5 5 5 5 10 5 10 10 5 5 5 5 C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded CRS 25 May 1, 2006 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY CURRENT EFFECTIVE CURRENT CLASS % DISCOUNT FOR % DISCOUNT FOR STATUS3 DATE DATE SFHA1 NON-SFHA2 470211 470182 470176 475425 470105 475426 470059 470184 475433 475434 470070 470040 470100 475448 485454 480624 481193 485456 480289 480586 480082 485459 480167 485462 480484 480170 485464 480171 480291 480774 480194 480173 480214 485468 485471 485472 480287 480296 480601 485481 485487 485488 480195 480452 Tennessee Athens, City of Bristol, City of Carthage, City of Elizabethton, City ofFayetteville, City of Gatlinburg, City of Humboldt, City of Kingsport, City of Knox County Knoxville, City of Morristown, City ofNashville, City of & Davidson Ripley, Town of Spring City, Town of Texas Arlington, City of Austin, City of Bastrop County Baytown, City ofBellaire, City of Benbrook, City ofBryan, City of Burleson, City of Carrollton, City of Cleburne, City of Conroe, City of Coppell, City of Corpus Christi, City of Dallas, City of Deer Park, City of Denton County Denton, City of Duncanville, City of El Paso, City of Friendswood, City of Garland, City of Grand Prairie, City of Harris County Houston, City of Hurst, City of Kemah, City of LaPorte, City of League City, City of Lewisville, City of Lubbock, City of 10/1/93 05/1/06 10/1/92 10/1/93 10/1/92 10/1/93 10/1/93 10/1/92 10/1/02 10/1/92 10/1/92 10/1/91 10/1/91 10/1/92 10/1/91 10/1/91 10/1/04 10/1/91 10/1/93 10/1/91 10/1/95 10/1/91 10/1/91 10/1/92 10/1/92 10/1/93 10/1/91 10/1/91 10/1/00 10/1/92 10/1/91 10/1/91 10/1/91 10/1/91 10/1/91 10/1/91 05/1/04 05/1/02 10/1/92 10/1/92 10/1/99 10/1/92 10/1/91 10/1/92 10/1/93 05/1/06 10/1/02 10/1/93 10/1/93 10/1/93 10/1/96 10/1/97 10/1/02 10/1/92 10/1/93 10/1/91 10/1/96 10/1/97 05/1/05 10/1/99 10/1/04 05/1/06 10/1/93 10/1/02 10/1/95 10/1/91 10/1/01 10/1/92 05/1/02 10/1/03 10/1/91 05/1/02 10/1/00 10/1/93 10/1/01 10/1/01 10/1/91 10/1/03 10/1/97 05/1/05 05/1/04 05/1/06 10/1/02 10/1/00 10/1/99 10/1/92 10/1/96 10/1/93 9 9 8 9 10 9 10 10 9 9 10 9 10 10 8 8 8 6 9 7 9 9 7 9 7 8 9 7 9 10 8 8 9 5 7 7 8 7 8 5 8 9 7 8 5 5 10 5 0 5 0 0 5 5 0 5 0 0 10 10 10 20 5 15 5 5 15 5 15 10 5 15 5 0 10 10 5 25 15 15 10 15 10 25 10 5 15 10 5 5 5 5 0 5 0 0 5 5 0 5 0 0 5 5 5 10 5 5 5 5 5 5 5 5 5 5 5 0 5 5 5 10 5 5 5 5 5 10 5 5 5 5 C C C C R C R R C C R C R R C C C C C C C C C C C C C C C R C C C C C C C C C C C C C C 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded CRS 26 May 1, 2006 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY CURRENT EFFECTIVE CURRENT CLASS % DISCOUNT FOR % DISCOUNT FOR STATUS3 DATE DATE SFHA1 NON-SFHA2 480477 485491 480607 480206 480307 480077 480140 485499 480184 485505 485507 480502 485513 481585 480662 490039 490074 490040 490019 490072 490214 490216 490159 490178 490177 490052 500013 500126 505518 510001 515519 515520 510134 510002 515525 510071 510201 510090 510104 510183 Texas (continued) Midland, City of Nassau Bay, City ofNorth Richland Hills, City of Odessa, City of Pasadena, City of Pearland, City of Plano, City of Port Arthur, City of Richardson, City ofSan Marcos, City of Seabrook, City ofSweetwater, City ofTaylor Lake Village, City of Tiki Island, Village of Wichita Falls, City of Utah Bountiful, City ofCedar City, City of Centerville, City of Logan, City of Moab, City of North Ogden, City of Orem, City of Provo, City of Santa Clara, Town of St. George, City of West Bountiful, City of Vermont Bennington, Town of Brattleboro, Town of Montpelier, City ofVirginia Accomack County Alexandria, City of Arlington County Bridgewater, Town of Chincoteague, City of Fairfax County Gloucester County James City County Loudoun County Norfolk, City ofPoquoson, City of10/1/92 10/1/92 10/1/91 10/1/92 10/1/91 05/1/05 10/1/92 10/1/91 10/1/91 10/1/92 10/1/02 10/1/91 10/1/96 10/1/01 10/1/91 10/1/91 10/1/94 05/1/02 10/1/93 04/1/01 10/1/93 10/1/93 10/1/91 10/1/95 10/1/94 10/1/96 10/1/93 10/1/91 10/1/98 10/1/92 10/1/92 10/1/92 10/1/96 10/1/00 10/1/93 10/1/95 10/1/92 10/1/92 10/1/92 10/1/92 10/1/94 10/1/94 10/1/99 10/1/02 10/1/92 05/1/05 10/1/03 10/1/91 10/1/97 10/1/02 10/1/02 10/1/91 05/1/02 05/1/06 10/1/91 10/1/91 10/1/96 05/1/02 10/1/03 04/1/01 05/1/03 10/1/03 10/1/96 10/1/95 05/1/04 10/1/96 10/1/93 10/1/91 10/1/98 10/1/96 10/1/02 10/1/92 05/1/06 10/1/03 10/1/03 10/1/95 10/1/92 05/1/03 10/1/92 10/1/97 8 8 7 8 10 8 6 9 8 7 9 9 8 8 9 9 10 9 8 9 8 8 8 9 7 9 9 9 9 8 8 9 8 8 8 9 9 10 9 9 10 10 15 10 0 10 20 5 10 15 5 5 10 10 5 5 0 5 10 5 10 10 10 5 15 5 5 5 5 10 10 5 10 10 10 5 5 0 5 5 5 5 5 5 0 5 10 5 5 5 5 5 5 5 5 5 0 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 0 5 5 C C C C R C C C C C C C C C C C R C C C C C C C C C C C C C C C C C C C C R C C 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded CRS 27 May 1, 2006 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY CURRENT EFFECTIVE CURRENT CLASS % DISCOUNT FOR % DISCOUNT FOR STATUS3 DATE DATE SFHA1 NON-SFHA2 515529 510119 510190 510130 510053 510005 510182 530073 530074 530153 530103 530104 530024 530051 530200 530140 530166 530079 530071 530156 530102 530316 530169 530158 530085 530138 530088 530151 535534 530090 530173 530204 530188 530198 540004 550001 550612 550128 550578 550022 Virginia (continued) Portsmouth, City ofPrince William County Roanoke County Roanoke, City of Vienna, Town of Wachapreague, Town of York County Washington Auburn, City of Bellevue, City ofBurlington, City of Centralia, City of Chehalis, City of Clark County Ephrata, City of Everson, City ofFife, City of Index, Town of Issaquah, City ofKing County La Conner, Town of Lewis County Lower Elwha Klallam Tribe Monroe, City of Mount Vernon, City of North Bend, City ofPierce County Renton, City of Skagit County Snohomish County Snoqualmie, City ofSultan, City of Sumas, City of Thurston County Whatcom County West Virginia Philippi, City of Wisconsin Adams County Allouez, Village of Eau Claire, City of Elm Grove, Village ofGreen Bay, City of 10/1/92 10/1/96 10/1/91 10/1/96 10/1/96 10/1/96 10/1/05 10/1/92 10/1/92 10/1/94 10/1/94 10/1/94 10/1/04 10/1/00 10/1/94 05/1/06 04/1/98 10/1/92 10/1/91 10/1/96 10/1/94 10/1/00 10/1/91 05/1/97 10/1/95 10/1/95 10/1/94 04/1/98 05/1/06 10/1/92 10/1/03 10/1/93 10/1/00 10/1/96 05/1/03 10/1/91 10/1/92 10/1/91 04/1/01 10/1/91 10/1/00 10/1/01 10/1/91 05/1/03 10/1/96 10/1/96 10/1/05 05/1/02 05/1/06 04/1/99 10/1/99 05/1/04 10/1/04 10/1/00 10/1/99 05/1/06 04/1/98 10/1/02 10/1/05 10/1/97 10/1/99 05/1/05 05/1/06 10/1/02 05/1/06 04/1/00 10/1/99 10/1/03 05/1/06 05/1/02 10/1/03 04/1/98 10/1/00 10/1/01 05/1/03 10/1/91 10/1/02 10/1/01 04/1/01 10/1/01 9 8 9 8 9 9 9 7 5 6 7 6 7 8 8 7 8 5 3 8 7 7 5 6 6 5 7 6 5 5 8 7 5 7 8 9 7 8 8 7 5 10 5 10 5 5 5 15 25 20 15 20 15 10 10 15 10 25 35 10 15 15 25 20 20 25 15 20 25 25 10 15 25 15 10 5 15 10 10 15 5 5 5 5 5 5 5 5 10 10 5 10 5 5 5 5 5 10 10 5 5 5 10 10 10 10 5 10 10 10 5 5 10 5 5 5 5 5 5 5 C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded CRS 28 May 1, 2006 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY CURRENT EFFECTIVE CURRENT CLASS % DISCOUNT FOR % DISCOUNT FOR STATUS3 DATE DATE SFHA1 NON-SFHA2 555562 550085 550487 550310 550107 550108 550537 560037 560030 560013 560029 560085 560044 Wisconsin (continued) La Crosse, City ofMazomanie, Village ofNew Berlin, City of Ozaukee County Watertown, City ofWaupun, City of Winnebago County Wyoming Casper, City of Cheyenne, City ofDouglas, City of Laramie County Park County Sheridan, City of 10/1/91 10/1/91 10/1/05 10/1/91 10/1/91 10/1/91 10/1/91 10/1/00 05/1/03 10/1/93 05/1/03 10/1/91 10/1/95 10/1/02 10/1/91 10/1/05 10/1/91 10/1/01 10/1/01 10/1/01 10/1/00 05/1/03 10/1/93 05/1/03 10/1/96 10/1/95 8 9 8 9 8 8 8 9 7 9 8 10 9 10 5 10 5 10 10 10 5 15 5 10 0 5 5 5 5 5 5 5 5 5 5 5 5 0 5 C C C C C C C C C C C R C 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded CRS 29 May 1, 2006 INDEX A ABOVE GROUND BUILDING, PRINCIPALLY ...GR 3, DEF 7 ACT........................................................ REF 1, GR 6, DEF 1 ACTUAL CASH VALUE (ACV) ..................................... DEF 1 ADDITIONS AND EXTENSIONS (TO BUILDING)............................................ GR 5, RATE 16 ADJUSTER CONTROL OFFICE ........................ CL 1, DEF 1 ALTERNATIVE RATES ...................RATE 21, END 2, DEF 1 ANCHORED ................................................... GR 3-4, DEF 1 APPLICATION ...................................... GR 11-12, APP 1-11, CONDO 8-9, PRP 4-7, DEF 1 Binders ...........................................................GR 8, DEF 1 Flood Insurance Application Form ......................APP 9-11 Incomplete/Incorrect Applications ............................ APP 8 Mailing Instructions............................. GR 8, 11-12, APP 8 APPURTENANT STRUCTURE ..........................GR 3, DEF 1 ASSESSMENT COVERAGE..................................CONDO 7 ASSIGNMENT OF POLICY .............. GR 12, MPPP 6, DEF 1 B BASE FLOOD ............................................................... DEF 1 BASE FLOOD DEPTH................................ RATE 18, DEF 1 BASE FLOOD ELEVATION (BFE) ................... RATE 17-21, MAP 2, 3, DEF 1 BASEMENT ........... APP 1, 3, RATE 24, CERT 3, 4-5, DEF 1 BINDER ..............................................................GR 8, DEF 1 BLANKET INSURANCE ............................................... DEF 1 BOATHOUSES...............................................................GR 4 BREAKAWAY WALLS ....................... GR 5, RATE 20, DEF 1 BUILDING.................................GR 3-6, 6-7, APP 3-4, DEF 1 Additions and Extensions ......................... GR 5, RATE 16 Building Coverage Limits........................................RATE 1 Building in the Course of Construction......................GR 4, APP 5, CONDO 6, DEF 2 Buildings In More Than One Flood Zone ................GR 11, RATE 17 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, APP 4, RATE 1, 25-28 Elevated Building................................. APP 1, 3, 4, 5, 6, 7, RATE 19-21, DEF 3 Floodproofed Building ....... RATE 30-31,CERT 3-8, DEF 4 Manufactured (Mobile) Home/Travel Trailer...........GR 3-4, APP 1, 4, 5, 7, RATE 15, 16, PR 1, DEF 3, 5, 9 Section 1316...................................................GR 6, DEF 8 Single Building................................................GR 5, DEF 8 Start of Construction........................... RATE 15-16, DEF 9 Substantial Improvement........ APP 5, RATE 15-16, DEF 9 Types of Buildings ...................... APP 1, 3-7, CONDO 6, 8 BUILDING DIAGRAMS 1-8.................. LFG 4-7, CERT 18-19 BUILDING DRAWINGS ........................................... LFG 8-59 BUILDING OCCUPANCY ............................................GR 5-6 BUSINESS ANALYST, WYO........................................REF 2 C CANCELLATION/NULLIFICATION .......... CONDO 8, PRP 2, MPPP 6, CN 1-10, DEF 2, 6 Cancellation/Nullification Request Form ...............CN 9-10 Form Completion........................................................CN 7 Reason Codes for Cancellation/Nullification...........CN 1-7 Refunds...................................................................CN 1-7 CERTIFICATIONS ................................................ CERT 1-35 CISTERNS......................................................GR 4, 6, DEF 2 CLAIMS........................................................................ CL 1-2 Increased Cost of Compliance (ICC) Claims...............CL 2 Insured's Responsibilities............................................CL 1 Producer's Responsibilities.....................................CL 1, 2 Single Adjuster Program ..............................CL 1-2, DEF 8 Training ....................................................................... CL 2 CLAIMS COORDINATING OFFICE (CCO)......CL 1-2, DEF 2 CLOSED BASIN LAKE....................................... CN 6, DEF 2 COASTAL BARRIER.....................................................DEF 2 COASTAL BARRIER RESOURCES SYSTEM (CBRS) ................................... CBRS 1-12, 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 3-12 COASTAL HIGH HAZARD AREA ...........RATE 29-30, DEF 2 COINSURANCE ......................................... CONDO 7, DEF 2 COMMERCIAL CONTENTS ........................GR 6, CONDO 2 COMMISSION, PRODUCER’S ........GR 12, CONDO 7, CN 8 COMMON INTERIOR WALLS ....................................... GR 5 COMMUNITY (See also PROBATION and SUSPENSION)..................................GR 1, APP 2-3, DEF 2 Community Eligibility.................................................. GR 1 Community Number ..................................... APP 3, DEF 2 Community Status.....................................................APP 3 Non-Participating Community ........................ GR 1, APP 3 Participating Community................................GR 1, DEF 7 Regular Program Community ...................................DEF 8 COMMUNITY RATING SYSTEM (CRS).....CRS 1-28, DEF 2 CONDOMINIUM ASSOCIATION ............CONDO 1-2, DEF 2 CONDOMINIUMS..................................CONDO 1-31, DEF 2 CONTACT INFORMATION, NFIP............................. REF 3-6 CONTENTS...................... GR 6, 7, 8, APP 4, RATE 1, 25-28 CONSTRUCTION DATA........................................... APP 4-6 CONTINUOUS LAKE FLOODING ..................................CN 6 COOPERATIVES ........................................................... GR 6 COUNTYWIDE MAP ........................................MAP 1, DEF 3 COURSE OF CONSTRUCTION .....GR 4, APP 5, CONDO 6, DEF 2 COVERAGE ...........GR 10-11, RATE 1-10, CONDO 6-7, 8-9, PRP 3, MPPP 3-4, END 1 Additional Coverage or Increase in Coverage ......... END 1 Amount of Insurance Available .............................. RATE 1 Building Coverage............................ GR 3-6, 6-7, RATE 1, CONDO 8, PRP 3 Contents Coverage .................GR 6, 7, 8, APP 4, RATE 1, CONDO 9, PRP 3 Contents-Only Coverage .................RATE 55, PRP 1, 2, 3 Limits of Coverage ....................................GR 10, RATE 1, CONDO 7, 8-9, PRP 3, MPPP 3-4 Reduction or Reformation/Removal of Insurance .....................GR 11, END 1, MPPP 5, PR 1 CRAWL SPACE ............................ RATE 24, CERT 2, LFG 2 CREDIT CARD PAYMENT.......... APP 6, 7, REN 1, 8, MAP 4 CREDIT CARD PAYMENT FORM...........................REN 1, 8 D DATE OF CONSTRUCTION.....................APP 4-5, RATE 15 DEF 3 DECLARATIONS PAGE............................. MPPP 4-5, DEF 3 DEDUCTIBLE BUYBACK.............................RATE 12, DEF 3 DEDUCTIBLE FACTORS.....................RATE 13, CONDO 22 DEDUCTIBLES ................. GR 10, APP 4, RATE 12, 13, 17, CONDO 7-8, 22, PRP 2, MPPP 5, END 2 DEFINITIONS.......................................................... DEF 1-10 DESCRIBED LOCATION ..............................................DEF 3 DIAGRAM NUMBER .....................................................DEF 3 DIRECT PHYSICAL LOSS BY OR FROM FLOOD ......DEF 3 DIRECT PROGRAM.................................... REF 2, 3, GR 12, APP 8, CONDO 7 IND 1 May 1, 2006 DISASTER ASSISTANCE ..................... GR 3, APP 2, PRP 4 DOUBLEWIDE MANUFACTURED (MOBILE) HOME .............................................................APP 1, DEF 3 DUPLICATE POLICIES .............................................. CN 2, 5 DWELLING .................................................................. DEF 3 DWELLING FORM (See also STANDARD FLOOD INSURANCE POLICY) ..... GR 1, 2, CONDO 8, POL 1, 2-21 E EFFECTIVE DATE............................GR 8-10, PRP 1, REN 2 ELEVATED BUILDING (See also LOWEST FLOOR GUIDE).... APP 1, 3, 4, 5, 6, 7, RATE 19-21, DEF 3 ELEVATION CERTIFICATE ..................APP 5-6, LFG 2, 3-7, CERT 1-3, 9-35 ELEVATION DIFFERENCE.......................... RATE 17-19, 30 ELIGIBLE BUILDINGS.............................. GR 3-6, CONDO 6 ELIGIBLE COMMUNITY (See PARTICIPATING COMMUNITY) ELIGIBLE CONTENTS ...................................................GR 6 EMERGENCY PROGRAM .................. GR 1, RATE 1, DEF 3 ENCLOSED AREA ........................................APP 3, LFG 1-2 ENCLOSURE/ENCLOSED AREA (See also LOWEST FLOOR GUIDE) ............................... APP 1, 3, RATE 19-20, LFG 1-2, 3, 5, 7, DEF 3 ENDORSEMENT ................................... GR 9-10, CONDO 8, PRP 2, MPPP 6, END 1-14, PR 1 Endorsement Processing Prior to Policy Renewal .......END 3 Endorsement Rules: Changing Deductibles.............END 2 Endorsement Rules: Conversion of Standard Rated Policy to PRP Due to Misrating or Map Revision ...END 2 Endorsement Rules: Correcting Property Address ..END 2 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 3-4 Rating Examples ................................................ END 5-12 Refund Processing ............................................... END 3-4 EQUIPMENT (See MACHINERY AND EQUIPMENT) EROSION ..................................................................... DEF 3 ERRORS, RATING ................................................... END 1-2 EVIDENCE OF INSURANCE .........................................GR 8 EXPENSE CONSTANT ................................................ DEF 3 F FEDERAL LAND.............................................................GR 1 FEDERAL POLICY FEE ....................................RATE 12, 17, CONDO 8, MPPP 5, DEF 3 FEMA ............................. REF 1, RATE 21, 30, CL 1, 2, RL 1, DEF 1, 2, 3, 4, 5, 6, 7, 9, 10 FHBM (See FLOOD HAZARD BOUNDARY MAP) FICO (See FLOOD INSURANCE CLAIMS OFFICE) FINANCIAL ASSISTANCE/SUBSIDY ARRANGEMENT.....................................MPPP 2, 6, DEF 3 FINISHED (HABITABLE) AREA ................................... DEF 3 FINISHED BASEMENT ................................................ APP 1 FIRM (See FLOOD INSURANCE RATE MAP) FIRM ZONES............................................................... MAP 2 FLOOD.......................................................................DEF 3-4 FLOOD DISASTER PROTECTION ACT OF 1973.......................................................MPPP 1, 3 FLOOD HAZARD BOUNDARY MAP (FHBM)...............GR 1, MAP 1, 2, 4-6, 8, DEF 4 FLOOD INSURANCE CLAIMS OFFICE (FICO).............CL 1, DEF 4 FLOOD INSURANCE RATE MAP (FIRM).....................GR 1, CERT 2, MAP 1, 3, 4-6, 7, DEF 4 FLOOD MAP “GRANDFATHERING”................. RATE 21-23, PRP 1, DEF 4 FLOOD MAPS ................................................GR 1, MAP 1-8 Changing or Correcting a Flood Map ...................... MAP 3 Countywide Map..........................................MAP 1, DEF 3 FEMA Map Assistance Center.................................MAP 3 FEMA Map Service Center ......................REF 4, MAP 4, 5 “FIRMettes”..............................................................MAP 4 Letter of Map Amendment (LOMA) ................ CN 5-6, 6-7, MAP 3, DEF 5 Letter of Map Revision (LOMR) ..................... CN 5-6, 6-7, MAP 3, DEF 5 Locating a Specific Property .................................MAP 2-3 Map "Grandfather" Rules ....... RATE 21-23, PRP 1, DEF 4 Map Panel Number .................................................MAP 1 Map Revision ..................... PRP 2, 3, END 2, CN 3-4, 6-7, MAP 3, 4, DEF 6 Map Zones (Flood Zones) .......................................MAP 2 Ordering Information and Prices.......................MAP 4, 5-6 Physical Map Revision ...........................................MAP 3 FLOOD VENTS (See PROPER OPENINGS) FLOOD RESPONSE OFFICE (FRO)............................DEF 4 FLOODPLAIN................................................................DEF 4 FLOODPLAIN MANAGEMENT.....................................DEF 4 FLOODPROOFING.. APP 6, RATE 30-31, CERT 3-8, DEF 4 FLOODPROOFING CERTIFICATE FOR NON-RESIDENTIAL STRUCTURES ....................CERT 7-8 FLOODPROOFING CERTIFICATE, RESIDENTIAL BASEMENT ..................................CERT 5-6 FORCED PLACEMENT (MANDATORY PURCHASE)........... GR 2, MPPP 2, CN 2, DEF 5 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, 22-40 GENERAL RULES .................................................... GR 1-12 GRADE ELEVATION.....................................................DEF 4 “GRANDFATHERING” (See FLOOD MAP “GRANDFATHERING”) GROUP FLOOD INSURANCE .......................... GR 3, DEF 4 H HABITABLE AREA (See FINISHED AREA) HISTORIC BUILDING ...............................RATE 15, DEF 4-5 HIGH-RISE BUILDING...............................CONDO 6, DEF 4 HOMELAND SECURITY, U.S. DEPARTMENT OF....REF 1, DEF 3 I ICC (See INCREASED COST OF COMPLIANCE) IMPROVEMENTS .........................................................DEF 5 INCIDENTAL OCCUPANCY ....................................... GR 5-6 INCREASED COST OF COMPLIANCE (ICC) COVERAGE... GR 10-11, RATE 14, 17, CONDO 21, MPPP 1, CL 2, DEF 5 INELIGIBLE COMMUNITY (See NON-PARTICIPATING COMMUNITY) INELIGIBLE PROPERTY ............................................ GR 6-8 INFLATION FACTOR.......................................GR 10, REN 1 INSECT SCREENING (BELOW LOWEST ELEVATED FLOOR)..........................................RATE 7, 20, CONDO 19 INSURANCE PRODUCTS, NFIP................................GR 2-3 L LAPSE IN COVERAGE.............................................REN 1-2 LATTICE (BELOW LOWEST ELEVATED FLOOR)................ RATE 7, 20, 46, CONDO 19 LETTER OF DETERMINATION REVIEW (LODR) ................. CN 5, DEF 5 LETTER OF MAP AMENDMENT (LOMA).........PRP 2, END 2, CN 1, 5-6, 6-7, MAP 3, DEF 5 IND 2 May 1, 2006 LETTER OF MAP REVISION (LOMR) .........PRP 2, END 2, CN 1, 5-6, 6-7, MAP 3, DEF 5 LOSS HISTORY ................................................. PRP 1, RL 1 LOSS IN PROGRESS .................................................. DEF 5 LOWEST ADJACENT GRADE ..................................... DEF 5 LOWEST FLOOR ......APP 6, RATE 17-21, LFG 1-59, DEF 5 Building Diagrams 1-8 ..................... LFG 4-7, CERT 18-19 Building Drawings ............................................... LFG 8-59 Lowest Floor Determination .................................. LFG 1-7 Lowest Floor Elevation ........... APP 6, RATE 17-21, DEF 5 Use of Elevation Certificate ...................................... LFG 2 LOWEST FLOOR GUIDE ........................................ LFG 1-59 LOW-RISE BUILDING ...............................CONDO 6, DEF 5 M MACHINERY AND EQUIPMENT ...................... RATE 19-20, LFG 1, 2, CERT 2 MANDATORY PURCHASE (FORCED PLACEMENT) .......... GR 2, MPPP 2, CN 2, DEF 5 MANUFACTURED (MOBILE) HOMES/ TRAVEL TRAILERS .................. GR 3-4, APP 1, 4, 7, PR 1, DEF 3, 5, 9 Date of Construction................................ APP 5, RATE 15 Doublewide...................................................APP 1, DEF 3 MANUFACTURED (MOBILE) HOME PARK OR SUBDIVISION.........................................................DEF 5- 6 MAP “GRANDFATHERING” (See FLOOD MAP “GRANDFATHERING”) MAPS (See FLOOD MAPS) MEAN SEA LEVEL (See NATIONAL GEODETIC VERTICAL DATUM [NGVD]) MISCELLANEOUS RULES .....................................GR 11-12 Application Submission ............................................GR 12 Assignment of Policy................................................GR 12 Commission, Producer’s ..........................................GR 12 Delivery of Policy......................................................GR 12 Policy Term...............................................................GR 11 MITIGATION ....................................................................RL 1 MODULAR BUILDING .................................................. DEF 6 MORTGAGE PORTFOLIO PROTECTION PROGRAM (MPPP).......................GR 2, MPPP 1-6, DEF 6 MORTGAGEE................APP 2, RATE 17, PRP 4, MPPP 1-6 MUDFLOW ................................................................... DEF 6 MULTI-FAMILY RESIDENCE (DWELLING) (See 2-4 FAMILY RESIDENCE [DWELLING]) N NATIONAL FLOOD INSURANCE ACT OF 1968 (See ACT) NATIONAL FLOOD INSURANCE PROGRAM (NFIP) ........... REF 1, DEF 6 NATIONAL GEODETIC VERTICAL DATUM (NGVD) .. DEF 6 NATURAL GRADE ....................................................... DEF 6 NEW CONSTRUCTION................................................ DEF 6 NFIP BUREAU AND STATISTICAL AGENT........REF 2, 5-6, CL 1, 2, RL 1, DEF 6 NFIP CONTACT INFORMATION ..............................REF 3-6 NFIP SERVICING AGENT.................. REF 2, 3, RL 1, DEF 6 NFIP SPECIAL DIRECT FACILITY (SDF)...................REF 2, RL 1, DEF 6 NON-PARTICIPATING COMMUNITY............................GR 1 NON-PAYMENT ..........................................................CN 2-3 NON-RESIDENTIAL .....GR 6, 7-8, CONDO 2, PRP 3, DEF 6 NOTICE OF LOSS...........................................................CL 1 NULLIFICATION (See CANCELLATION/NULLIFICATION) O OCCUPANCY CLASSIFICATION .................. GR 5-6, APP 3 OTHER INSURANCE ......................................MPPP 6, CN 2 OTHER RESIDENTIAL.......................................GR 6, DEF 6 OTHERWISE PROTECTED AREAS......................CBRS 1-2 OUT-AS-SHOWN DETERMINATION.CN 3, MAP 3, DEF 6-7 OVER WATER............................................................GR 4, 7 P PAPERWORK BURDEN DISCLOSURE NOTICE ........................................................ REF 7, APP 11 PARTICIPATING COMMUNITY......................... GR 1, DEF 7 PHYSICAL MAP REVISION (PMR) .............................MAP 3 POLICIES AVAILABLE................................................ GR 1-2 POLICY .........................................................................DEF 7 POLICY RENEWALS........GR 10, PRP 2, MPPP 5, REN 1-8 Credit Card Payment Form .................................. REN 1, 8 Endorsements During Renewal Cycle ..................... 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 Repetitive Loss Target Group Policies........ REN 2, RL 1-5 Waiting Period...................................................... REN 1, 2 POLICY TERM .................. GR 11, APP 1-2, PRP 4, MPPP 3 POLLUTANTS...............................................................DEF 7 PONDING HAZARD......................................................DEF 7 POST-FIRM BUILDING (CONSTRUCTION) .......... RATE 16, DEF 7 PRE-FIRM BUILDING (CONSTRUCTION)........RATE 15-16, DEF 7 PREFERRED RISK POLICY (PRP).............................. GR 2, PRP 1-7, DEF 7 Completing PRP Application Form ....................... PRP 4-5 Conversion of PRP to Standard Rated Policy.......... PRP 4 Conversion of Standard Rated Policy to PRP Due to Map Revision, LOMA, or LOMR ............................ PRP 4 Conversion of Standard Rated Policy to PRP Due to Misrating ............................................................ PRP 2, 4 Coverage Limits ....................................................... PRP 2 Coverage/Premium Tables ...................................... PRP 3 Deductibles .............................................................. PRP 2 Discounts/Fees/ICC Premium.................................. PRP 2 Documentation......................................................... PRP 2 Eligibility Requirements..................................... PRP 1-2, 3 Endorsements.......................................................... PRP 2 General Description ................................................. PRP 1 PRP Application Form........................................... PRP 6-7 Renewal ................................................................... PRP 2 Replacement Cost Coverage................................... PRP 2 PREMIUM............................................................RATE 16-17 Credit Card Payment ...........................APP 6, 7, REN 1, 8 Credit Card Payment Form .................................. REN 1, 8 Premium Calculation.......................................RATE 16-17 Premium Discounts..................................................CRS 1 Premium Payment .........................APP 6, 7, RATE 16-17, CONDO 9, PRP 5, MPPP 4, REN 1-2 Prepaid Amount (Total).............................................DEF 7 Prepaid Premium (Total)...........................................DEF 7 Presentment of Payment (Premium).........................DEF 7 Refunds............................................ END 1-2, 3-4, CN 1-6 PREPAID AMOUNT (TOTAL) ......................................DEF 7 PREPAID PREMIUM (TOTAL) .....................................DEF 7 PRESENTMENT OF PAYMENT (PREMIUM) ..............DEF 7 PRINCIPAL RESIDENCE..............................................DEF 7 PRINCIPALLY ABOVE GROUND BUILDING...............DEF 7 PROBATION ...................................................... GR 1, DEF 7 PROBATION SURCHARGE ..............GR 1, RATE 12, DEF 7 PROGRAM COORDINATOR, WYO (See BUSINESS ANALYST, WYO) PROOF OF INSURANCE............................................... GR 8 PROOF OF LOSS ........................................................... CL 1 PROPER OPENINGS (FLOOD VENTS) ................................ LFG 1, 2, 3, 5, 7, DEF 7 PROPERTY LOCATION ............... APP 2-3, PRP 4-5, END 3 PROPERTY REMOVED TO SAFETY EXPENSE ........DEF 7 PROVISIONAL RATING......................GR 11, PR 1-5, DEF 7 Completing the Provisional Rating Questionnaire: General Directions ....................................................PR 2 IND 3 May 1, 2006 Completing the Provisional Rating Questionnaire: Guidance for Determining Building Elevated on Fill .... PR 2 Eligibility Requirements .............................................. PR 1 General Description.................................................... PR 1 Notification Requirements .......................................... PR 1 Provisional Rating Example ....................................... PR 4 Provisional Rating Questionnaire ............................... PR 3 Reformation: Endorsement Procedure.......................PR 1 Reformation: Endorsement Alternative ...................... PR 1 Reformation: Limitations............................................. PR 1 Sample Notice to Accompany Provisionally Rated Policies ..................................... PR 5 R RATE TABLES......................RATE 1-14, 32, CONDO 10-22, PRP 3, MPPP 1, PR 3, CRS 1 RATING ........................... GR 11, RATE 1-61, CONDO 1-31, CERT 3, END 1-2 Alternative Rates ..................................... RATE 21, END 2 Amount of Insurance Available...............................RATE 1 AR, AR Dual Zones ..............................................RATE 19 Buildings in More Than One Flood Zone.................GR 11, RATE 17 Condominiums...............................................CONDO 1-31 Contents Location .......................................... RATE 25-28 Crawl Space .........................................................RATE 24 Deductibles.................................. RATE 12, 13, CONDO 7 Effect of Map Revisions on Rates .................. RATE 21-23 Elevation Difference ....................................... RATE 17-19 FIRMs with Wave Heights .............................. RATE 29-30 Flood Map “Grandfathering”...RATE 21-23, PRP 1, DEF 4 Floodproofed Buildings................................... RATE 30-31 Key Points for Rating............................................RATE 17 Optional Elevation Rating ........................RATE 19, LFG 2 Premium Calculation ...................................... RATE 16-17 Provisional Rates ........................... GR 11, PR 1-5, DEF 7 Rate Reduction.........................................................END 1 Rate Tables ......... RATE 1-14, 32, CONDO 10-22, PRP 3, MPPP 1, PR 3, CRS 1 Rating Error .......................................................... END 1-2 Rating Examples ............... RATE 17-19, 22-23, 29, 47-61, CONDO 23-31, END 5-12, PR 4 Rating Steps................................................... RATE 15-16 Re-Rating .............................................................RATE 23 Submit-for-Rate......................GR 11, RATE 23-24, DEF 9 Tentative Rates .........GR 11, RATE 21, CONDO 8, DEF 9 V-Zone Optional Rating........................................RATE 23 V-Zone Risk Factor Rating Form.................... RATE 31-46 RCBAP (See RESIDENTIAL CONDOMINIUM BUILDING ASSOCIATION POLICY) RECREATIONAL VEHICLE.......................................... DEF 1 REFORMATION ..................................GR 11, MPPP 5, PR 1 REFUNDS.............................................END 1-2, 3-4, CN 1-7 REGIONAL OFFICES, NFIP......................................REF 5-6 REGULAR PROGRAM ........................ GR 1, RATE 1, DEF 8 RENEWALS (See POLICY RENEWALS) REPETITIVE LOSS ............ GR 4, 11, REN 2, RL 1-5, DEF 8 REPETITIVE LOSS TARGET GROUP............... RL 1, DEF 8 REPLACEMENT COST ................... APP 4, RATE 20-21, 30, CONDO 7, 8, PRP 2, 5, DEF 8 RESIDENTIAL ...........................GR 5-6, CONDO 1-2, PRP 3 RESIDENTIAL BASEMENT FLOODPROOFING CERTIFICATE ...................................................... CERT 5-6 RESIDENTIAL CONDOMINIUM BUILDING.......CONDO 1-2, DEF 8 RESIDENTIAL CONDOMINIUM BUILDING ASSOCIATION POLICY (RCBAP) (See also STANDARD FLOOD INSURANCE POLICY) ....... GR 1, 2, APP 4, CONDO 1-31, POL 1, 42-61 Application Form..............................................CONDO 8-9 Assessment Coverage .......................................CONDO 7 Building Type ................................................. CONDO 6, 8 Cancellation or Endorsement of Existing Unit Owners’ Dwelling Policies ........................ CONDO 8 Coinsurance....................................................... CONDO 7 Commission, Producer’s .................................... CONDO 8 Condominium Building in the Course of Construction................................................. CONDO 6 Coverage, Building.......................................... CONDO 8-9 Coverage, Contents........................................CONDO 8-9 Coverage Limits .......................................... CONDO 7, 8-9 Deductibles ............................................... CONDO 7-8, 22 Determining Rates and Fees ............................. CONDO 9 Eligibility Requirements...................................... CONDO 6 Federal Policy Fee ............................................. CONDO 8 Property Covered............................................... CONDO 6 Rate Tables................................................. CONDO 10-22 Rating Examples.........................................CONDO 23-31 Replacement Cost ......................................... CONDO 7, 8 Tentative Rates and Scheduled Buildings ......... CONDO 8 ROWHOUSES/TOWNHOUSES ................CONDO 6, PRP 2 S SCHEDULED BUILDING POLICY .................... GR 2, APP 1, CONDO 8, DEF 8 SCREENING, INSECT (BELOW LOWEST ELEVATED FLOOR) ..........................................RATE 7, 20, CONDO 19 SECTION 1316................................................... GR 6, DEF 8 SEPARATE BUILDING (See SINGLE BUILDING) SFIP (See STANDARD FLOOD INSURANCE POLICY) SHEAR WALLS..................................................GR 5, DEF 8 SHEET FLOW HAZARD ...............................................DEF 8 SILOS ......................................................................... GR 4, 6 SINGLE ADJUSTER PROGRAM.....................CL 1-2, DEF 8 SINGLE BUILDING ............................................ GR 5, DEF 8 SINGLE-FAMILY RESIDENCE (DWELLING).............. GR 5, DEF 8 SLATS OR SHUTTERS (BELOW LOWEST ELEVATED FLOOR)..........................................RATE 7, 20, CONDO 19 SOLID PERIMETER FOUNDATION WALLS................ GR 5, RATE 20, DEF 8 SPECIAL CERTIFICATIONS ................................CERT 1-35 SPECIAL DIRECT FACILITY (See NFIP SPECIAL DIRECT FACILITY) SPECIAL FLOOD HAZARD AREA (SFHA) .....MAP 2, DEF 8 SPECIAL RATING SITUATIONS ............GR 11, RATE 21-24 Alternative Rates.................................................. RATE 21 Buildings in More Than One Flood Zone.............................................GR 11, RATE 17 Crawl Space......................................................... RATE 24 Map “Grandfather” Rules: Effect of Map Revisions on Rates........................................................RATE 21-23 Policies Requiring Re-Rating ............................... RATE 23 Post-’81 V Zone Optional Rating ......................... RATE 23 Provisional Rates ......................................... GR 11, DEF 7 Submit-for-Rate...................... GR 11, RATE 23-24, DEF 9 Tentative Rates.........GR 11, RATE 21, CONDO 8, DEF 9 STANDARD FLOOD INSURANCE POLICY (SFIP) . GR 1, 2, POL 1-61, DEF 8-9 Agreement ....................................................POL 3, 23, 43 Claim Guidelines in Case of a Flood...........POL 21, 40, 61 Coinsurance............................................................POL 52 Deductibles ........................................... POL 12, 32, 51-52 Definitions.......................................POL 3-5, 23-25, 43-45 Dwelling Form ......................................... POL 2-21, DEF 8 Exclusions...................................POL 11-12, 31-32, 50-51 General Conditions.....................POL 12-20, 32-38, 53-59 General Property Form ......................... POL 22-40, DEF 8 Liberalization Clause...................................POL 20, 39, 60 Property Covered..........................POL 5-10, 25-30, 45-50 Property Not Covered ...................... POL 10-11, 30-31, 50 IND 4 May 1, 2006 Residential Condominium Building Association Policy............................................... POL 42-61, DEF 8-9 Summary of Significant Changes, December 2000 ........... POL 2, 22, 42 What Law Governs.....................................POL 20, 39, 60 START OF CONSTRUCTION ...................................... DEF 9 STOCK.......................................................................... DEF 9 SUBMIT-FOR-RATE...................GR 11, RATE 23-24, DEF 9 SUBSTANTIAL DAMAGE................GR 11, RATE 16, DEF 9 SUBSTANTIAL IMPROVEMENT................................. APP 5, RATE 15-16, DEF 9 SUSPENSION ....................................................GR 1, DEF 9 T TECHNICAL ASSISTANCE..........................................REF 2 TELEPHONE NUMBERS..........................................REF 3-6 TENTATIVE RATES ......GR 11, RATE 21, CONDO 8, DEF 9 TIMESHARES.................................................................GR 6 TOWNHOUSES/ROWHOUSES................ CONDO 6, PRP 2 TRANSFER OF TITLE..................................................GR 12 TRAVEL TRAILERS (See MANUFACTURED [MOBILE] HOMES/TRAVEL TRAILERS) 2-4 FAMILY RESIDENCE (DWELLING)......... GR 5-6, DEF 9 U UNDERGROUND BUILDING ....................................... DEF 9 UNFINISHED AREA ..................................................... DEF 9 UNFINISHED BASEMENT ........................................... APP 1 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 31-46 W WAITING PERIOD ................... GR 8-10, MPPP 4, REN 1, 2, PR 1, DEF 10 WALLED AND ROOFED.................................. GR 3, DEF 10 WALLS .............................. GR 5, RATE 20, LFG 2, 3, DEF 8 Breakaway Walls .......... GR 5, RATE 20, LFG 2, 3, DEF 1 Common Interior Walls .............................................. GR 5 Shear Walls.................................................... GR 5, DEF 8 Solid Perimeter Foundation Walls.............GR 5, RATE 20, LFG 7, DEF 8 WAVE HEIGHT .........................APP 6, RATE 29-30, DEF 10 Calculating Wave Height Adjustment.....RATE 29, DEF 10 WHOLE DOLLAR PREMIUM...................................RATE 17 WIND LOSSES.............................................................CL 1-2 WRITE YOUR OWN (WYO) PROGRAM .... REF 1-2, DEF 10 Z ZONE (See also Map Zones under FLOOD MAPS) ...MAP 2, DEF 10 IND 5 May 1, 2006