U.S. Department of Homeland Security 500 C Street SW Washington, DC 20472 July 25, 2006 Dear Flood Insurance Manual Subscribers: I am happy to announce that revisions have been made to the National Flood Insurance Program (NFIP) Flood Insurance Manual. These revisions will become effective October 1, 2006. All of the changes are reflected on the enclosed amended pages, and related footers have been modified to reflect the October 1, 2006, effective date. Some of the significant revisions include: • Allows use of Submit-for-Rate guidelines for Pre-FIRM buildings with subgrade crawl spaces. (RATE section); • Revises the Lowest Floor Guide to match the elevation references on the new Elevation Certificate. (LFG section); • Describes photograph requirements for all elevation-rated new business effective January 1, 2007. (CERT section); • Clarifies Preferred Risk Policy eligibility criteria pertaining to receipt of Federal flood disaster relief payments. (PRP section); • Clarifies Cancellation Reason Code 1 due to foreclosure or total loss. (CN section); • Updates the Community Rating System Eligible Communities list. (CRS section); and • Provides information about the new Severe Repetitive Loss (SRL) strategy to reduce damage caused by repeated flooding. (SRL section). As we move forward to improve the NFIP, it is my goal to ensure that you have up-to-date information so you can assist your customers in securing the best flood insurance protection available for their individual needs. Thank you for your continued support of the NFIP. Sincerely, David I. Maurstad Director Flood Insurance Administrator Mitigation Division Attachment www.fema.gov Change Record Page Effective Date: October 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 v-viii, xi-xv REF 3-6 GR 7-12 APP 5-8, 9-11 RATE 1-2, 15-24, 31-32, 33-46 LFG 1-59 CERT 1-35 PRP 1-2, 5-7 END 13-14 REN 1-6 CN 1-2, 9-10 CRS 3-29 RL 1-5 DEF 7-8 IND 1-5 v-viii, xi-xv REF 3-6 GR 7-12 APP 5-8, 9-11 (one page) RATE 1-2, 15-24, 31-32, 33-46 (one page) LFG 1-59 CERT 1-37 PRP 1-2, 5/6-7 (one page) END 13-14 (one page) REN 1-6 CN 1-2, 9-10 (one page) CRS 3-29 SRL 1-8 DEF 7-8 IND 1-5 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. PHOTO REQUIREMENTS........................................................................................... CERT 1 III. USING THE ELEVATION CERTIFICATE: SPECIAL CONSIDERATIONS ................ CERT 2 Section A - Property [Owner] Information .................................................................... CERT 2 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 3 Section E - Building Elevation Information (Survey Not Required) for Zone AO and Zone A (Without BFE) ................................................................................................ CERT 3 Section F - Property Owner (or Owner's Representative) Certification........................ CERT 3 Section G - Community Information (Optional) ............................................................ CERT 3 IV. FLOODPROOFING CERTIFICATE ............................................................................. CERT 3 A. Purpose and Eligibility.......................................................................................... CERT 3 B. Specifications ....................................................................................................... CERT 3 C. Rating................................................................................................................... CERT 3 D. Certification .......................................................................................................... CERT 4 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 TABLE OF CONTENTS (Continued) SECTION PAGE I. Coverage Offered................................................................................................. MPPP 3 J. Policy Form .......................................................................................................... MPPP 4 K. Waiting Period...................................................................................................... MPPP 4 L. Premium Payment................................................................................................ MPPP 4 M. Underwriting--Application..................................................................................... MPPP 4 N. Rates.................................................................................................................... MPPP 4 O. Policy Declaration Page Notification Requirements............................................. MPPP 4 P. Policy Reformation--Policy Correction ................................................................. MPPP 5 Q. Coverage Basis--Actual Cash Value or Replacement Cost................................. MPPP 5 R. Deductible ............................................................................................................ MPPP 5 S. Federal Policy Fee ............................................................................................... MPPP 5 T. Renewability......................................................................................................... MPPP 5 U. Cancellations........................................................................................................ MPPP 6 V. Endorsement........................................................................................................MPPP 6 W. Assignment to a Third Party................................................................................. MPPP 6 X. Article XIII--Restriction on Other Flood Insurance ............................................... MPPP 6 GENERAL CHANGE ENDORSEMENT..................................................................................... END 1 I. ENDORSEMENT RULES............................................................................................. END 1 A. Coverage Endorsements ..................................................................................... END 1 B. Rating Endorsements........................................................................................... END 1 C. Misrated Policy..................................................................................................... END 2 D. Conversion of Standard Rated Policy to PRP Due to Misrating or Map RevisionEND 2 E. Changing Deductibles.......................................................................................... END 2 F. Correcting Property Address................................................................................ END 2 II. ENDORSEMENT PROCESSING PRIOR TO POLICY RENEWAL (NFIP DIRECT BUSINESS ONLY) ..................................................................................................... END 3 A. During Last 90 Days of Policy Term .................................................................... END 3 B. During Last 75 Days of Policy Term .................................................................... END 3 C. Refunds Generated from Endorsement Processing ............................................ END 3 III. PREPARATION OF FORM .......................................................................................... END 3 A. General Instructions ............................................................................................. END 3 B. Refund Processing Procedures ........................................................................... END 3 IV. ENDORSEMENT RATING EXAMPLES ...................................................................... END 5 POLICY RENEWALS ................................................................................................................. REN 1 I. GENERAL INFORMATION .......................................................................................... REN 1 II. RENEWAL NOTICE ..................................................................................................... REN 1 A. Renewing for the Same Coverage--Option A ...................................................... REN 1 B. Inflation Factor--Option B..................................................................................... REN 1 C. No Renewal Notice Generated ............................................................................ REN 1 III. PREMIUM PAYMENT DUE.......................................................................................... REN 1 IV. FINAL NOTICE............................................................................................................. REN 2 V. RENEWAL EFFECTIVE DATE DETERMINATION ..................................................... REN 2 VI. INSUFFICIENT RENEWAL INFORMATION................................................................ REN 2 VII. ENDORSEMENTS DURING RENEWAL CYCLE........................................................ REN 2 VIII. SEVERE REPETITIVE LOSS PROPERTIES.............................................................. REN 2 TABLE OF CONTENTS (Continued) SECTION PAGE CANCELLATION/NULLIFICATION ........................................................................................... CN 1 I. PROCEDURES AND VALID REASONS ..................................................................... CN 1 A. Refund Processing Procedures ........................................................................... CN 1 B. Reason Codes for Cancellation/Nullification of NFIP Policies............................. CN 1 II. COMPLETING THE CANCELLATION/NULLIFICATION REQUEST FORM .............. CN 7 A. Current Policy Number......................................................................................... CN 7 B. Policy Term .......................................................................................................... CN 7 C. Agent Information................................................................................................. CN 7 D. Insured Mail Address ........................................................................................... CN 7 E. First Mortgagee .................................................................................................... CN 7 F. Other Parties Notified...........................................................................................CN 7 G. Property Location ................................................................................................. CN 7 H. Cancellation Reason Code .................................................................................. CN 7 I. Refund.................................................................................................................. CN 7 J. Signature.............................................................................................................. CN 7 CLAIMS ...................................................................................................................................... CL 1 I. INSURED'S RESPONSIBILITIES ................................................................................ CL 1 II. PRODUCER'S RESPONSIBILITIES............................................................................ CL 1 III. SINGLE ADJUSTER PROGRAM IMPLEMENTATION ............................................... CL 1 A. Schedule and Notification .................................................................................... CL 1 B. Training ................................................................................................................ CL 2 C. Producer Responsibilities..................................................................................... CL 2 IV. INCREASED COST OF COMPLIANCE (ICC) CLAIMS .............................................. CL 2 POLICY ...................................................................................................................................... POL 1 DWELLING FORM: SUMMARY OF SIGNIFICANT CHANGES, DECEMBER 2000 ........................................... POL 2 I. AGREEMENT............................................................................................................... POL 3 II. DEFINITIONS............................................................................................................... POL 3 III. PROPERTY COVERED............................................................................................... POL 5 IV. PROPERTY NOT COVERED ...................................................................................... POL 10 V. EXCLUSIONS .............................................................................................................. POL 11 VI. DEDUCTIBLES ............................................................................................................ POL 12 VII. GENERAL CONDITIONS............................................................................................. POL 12 VIII. LIBERALIZATION CLAUSE ......................................................................................... POL 20 IX. WHAT LAW GOVERNS ............................................................................................... POL 20 CLAIM GUIDELINES IN CASE OF A FLOOD ...................................................................... POL 21 TABLE OF CONTENTS (Continued) SECTION PAGE IV. CRS ACTIVITIES THAT CAN DIRECTLY BENEFIT INSURANCE AGENTS............. CRS 1 ELIGIBLE COMMUNITIES.................................................................................................... CRS 2 GUIDANCE FOR SEVERE REPETITIVE LOSS PROPERTIES ............................................... SRL 1 I. GENERAL DESCRIPTION........................................................................................... SRL 1 II. NOTIFICATION REQUIREMENTS .............................................................................. SRL 1 III. DISPUTE RESOLUTION.............................................................................................. SRL 1 IV. MITIGATION.................................................................................................................SRL 2 DEFINITIONS ............................................................................................................................. DEF 1 INDEX ...................................................................................................................................... IND 1 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 5 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 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 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 7 Floodproofing Certificate for Non-Residential Structures...................................................... CERT 9 Elevation Certificate and Instructions - New Edition (2/13/2006).......................................... CERT 11 Elevation Certificate and Instructions - Old Edition (1/1/2003) ............................................. CERT 27 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 LIST OF ILLUSTRATIONS (Continued) SECTION/ILLUSTRATION PAGE PROVISIONAL RATING Provisional Rating Questionnaire.......................................................................................... PR 3 Sample Notice to Accompany Provisionally Rated Policies.................................................. PR 5 GUIDANCE FOR SEVERE REPETITIVE LOSS PROPERTIES Agent’s 90-Day Notification Letter......................................................................................... SRL 3 Lender’s 90-Day Notification Letter....................................................................................... SRL 5 Policyholder’s 90-Day Notification Letter .............................................................................. SRL 7 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 Severe 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) National Flood Insurance Program P.O. Box 70936 Charlotte, NC 28272-0936 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 NFIP GENERAL CONTACT INFORMATION FOR ALL NFIP STAKEHOLDERS TOPIC MAILING/WEBSITE ADDRESSES TELEPHONE & FAX NUMBERS* CBRS Areas - Map Panel Listing http://www.fema.gov/plan/ prevent/fhm/fmc_cbrs.shtm N/A Community Status Book FEMA Map Service Center P.O. Box 1038 Jessup, MD 20794-1038 http://www.fema.gov/fema/ csb.shtm Phone 1-800-358-9616 Fax 1-800-358-9620 NFIP Marketing & Advertising http://www.floodsmart.gov/ floodsmart/pages/index.jsp N/A Flood Insurance Manual & Producer’s Edition FEMA Map Service Center P.O. Box 1038 Jessup, MD 20794-1038 http://www.fema.gov/ business/nfip/manual.shtm Phone 1-800-358-9616 Fax 1-800-358-9620 Flood Zone Determination Companies (list) http://www.fema.gov/ business/nfip/fzone1.shtm N/A Agent Referral Program Sign-up Form https://agents.floodsmart. gov 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) http://www.fema.gov/ business/nfip/software.shtm 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 http://www.fema.gov/ business/nfip/wshops.shtm Your NFIP Regional Office (See list on following pages.) Write Your Own (WYO) Companies (list) http://www.fema.gov/ nfipInsurance/companies.jsp Phone 1-800-480-2520 for Item 073, “The Choice Is Yours” *Telecommunication Device for the Deaf (TDD) 1-800-447-9487 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. The latest contact information for both NFIP Bureau and Statistical Agent and FEMA regional offices is available at http://www.fema.gov/about/contact/regions.shtm. NFIP BUREAU AND NFIP BUREAU AND SERVICE STATISTICAL AGENT STATISTICAL AGENT AREA REGIONAL OFFICES REGIONAL STAFF Region I Suite 200 140 Wood Road Thomas Gann Territorial Manager Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island, Vermont Braintree, MA 02184-2513 Phone: 781-848-1908 Fax: 781-356-4142 Region II NFIP Region II Office [Vacant] Regional Manager New Jersey, New York C/o CSC 304 West Route 38 Moorestown, NJ 08057-3212 Phone: TBD Fax: TBD Region III NFIP Region III Office C/o CSC Richard Sobota, CPCU Regional Manager Delaware, District of Columbia, Maryland, Pennsylvania, Virginia, West Virginia 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 Roger Widdifield Territorial Manager Alabama, Georgia, Kentucky, Mississippi, North Carolina, South Carolina, Tennessee Phone: 770-887-6865 Fax: TBD Region IV – Tampa Office P.O. Box 1046 Lynne Magel Program Specialist Florida Zephyrhills, FL 33539-1046 Phone: 813-779-9642 Fax: 813-779-3085 NFIP BUREAU AND STATISTICAL AGENT REGIONAL OFFICES Region V Suite 123 18008 Wolf Road Orland Park, IL 60467-5407 Phone: 708-326-3072 Fax: 708-326-3074 Region VI Suite 108 15835 Park Ten Place Houston, TX 77084-5131 Phone: 281-829-6880 Fax: 281-829-6879 Region VII Suite 3 401 South Main Street Ottawa, KS 66067-2300 Phone: 913-780-4238 Fax: 913-780-4368 Region VIII 3440 Youngfield Street P.O. Box 186 Wheat Ridge, CO 80033-5245 Phone: 303-275-3475 Fax: 303-275-3471 Region IX Suite 103 1532 Eureka Road Roseville, CA 95661-3054 Phone: 916-780-7889 Fax: 916-780-7905 Region X P.O. Box 602 Bothell, WA 98041-0602 Phone: 425-482-0316 Fax: TBD NFIP BUREAU AND STATISTICAL AGENT REGIONAL STAFF Richard Slevin Regional Manager [Vacant] Regional Manager Dean Ownby, CPCU Territorial Manager Norman Ashford, CPCU Territorial Manager George Blaufuss Regional Manager Leslie Melville Regional Manager SERVICE AREA Illinois, Indiana, Michigan, Minnesota, Ohio, Wisconsin Arkansas, Louisiana, New Mexico, Oklahoma, Puerto Rico, Texas, Virgin Islands Iowa, Kansas, Missouri, Nebraska Colorado, Montana, North Dakota, South Dakota, Utah, Wyoming Arizona, California, Guam, Hawaii, Nevada Alaska, Idaho, Oregon, Washington 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 5. Motorcycles--Including Dealer's Stock services include Federal Express (FedEx), (assembled or not) United Parcel Service (UPS), and courier services and the like that provide proof of 6. Motorized Equipment--Including Dealer's mailing. Third-party delivery is acceptable if the Stock (assembled or not) delivery service provides documentation of the C. Non-Residential Condominium Unit actual mailing date and delivery date to the NFIP insurer. Bear in mind that third-party delivery The owner of a non-residential condominium unit services deliver to street addresses but cannot cannot purchase a unit owner's policy. The deliver to U.S. Postal Service post office boxes. association can purchase a condominium association policy to cover the entire building. C. Effective Date Contents-only coverage may be purchased by the unit owner. 1. New Policy (other than 2, 3, or 4 below)- The effective date of a new policy will be VIII. POLICY EFFECTIVE DATE 12:01 a.m., local time, on the 30th calendar A. Evidence of Insurance day after the application date and the presentment of premium. (Example: aA copy of the Flood Insurance Application and policy applied for on May 3 will become premium payment, or a copy of the declarations effective 12:01 a.m., local time, on June 2.) page, is sufficient evidence of proof of purchase. The effective date of coverage is subject to The NFIP does not recognize an oral binder or the waiting period rule listed under B.1 or contract of insurance. B.2 above. B. Start of Waiting Period 2. New Policy (in connection with making, There is a standard 30-day waiting period for new increasing, extending, or renewing a loan, applications and for endorsements to increase whether conventional or otherwise)--Flood coverage. insurance, which is initially purchased in connection with the making, increasing, 1. If the application or endorsement form and extending, or renewal of a loan, shall be the premium payment are received at the effective at the time of loan closing, NFIP within 10 days from the date of provided that the policy is applied for and application or endorsement request, or if the presentment of premium is made at or mailed by certified mail within 4 days from prior to the loan closing. (Example: the date of application or endorsement presentment of premium and application request, then the waiting period will be date--April 3, refinancing--April 3 at 3:00 calculated from the application or p.m., policy effective date--April 3 at 3:00 endorsement date. Use the application date p.m.) This rule applies to all buildings or endorsement date plus 9 days to regardless of flood zone. The waiting determine if the application or endorsement period rule listed under B.1 or B.2 above and premium payment were received within does not apply. 10 days. When sent by certified mail, use the application date or endorsement date 3. New Policy (in connection with lender plus 3 days to determine if the application requirement)--The 30-day waiting period or endorsement and premium payment does not apply when flood insurance is were received within 4 days. required as a result of a lender determining 2. If the application or endorsement form and that a loan on a building in a Special Flood the premium payment are received at the Hazard Area (SFHA) that does not have NFIP after 10 days from the date of flood insurance coverage should be application or endorsement request, or are protected by flood insurance. The coverage not mailed by certified mail within 4 days is effective upon the completion of an application and the presentment of payment from the date of application or endorsement of premium. (Example: presentment of request, then the waiting period will be premium and application date--April 3, policy calculated from the date the NFIP receives effective date--April 3.) The waiting period the application or endorsement. rule listed under B.1 or B.2 must be used. As used in VIIl.B.1. and 2. above, the term 4. New Policy (when the initial purchase of “certified mail” extends to not only the U.S. flood insurance is in connection with the Postal Service but also certain third-party revision or updating of a Flood Hazard delivery services. Acceptable third-party delivery Boundary Map or Flood Insurance Rate GR 8 October 1, 2006 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 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. This rule applies to all property owners including condominium associations. 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. Otherwise, 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 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 obtain documentation of the loan transaction, such as settlement papers, before adjusting the loss. 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 GR 9 October 1, 2006 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 GR 10 October 1, 2006 with basements that satisfy FEMA's standards published in the Code of Federal Regulations [44 CFR 60.6 (b) or (c)]. 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. 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. substantial improvement started or the building permit date. If the building was substantially damaged, enter the actual month, day, and year that substantial damage occurred. Substantial improvement includes buildings that have incurred “substantial damage” regardless of the actual repair work performed. The agent must obtain and submit a statement from a community official before the building can be considered substantially damaged. If the policy is for a manufactured (mobile) home or travel trailer located outside a manufactured (mobile) home park or subdivision, enter the date of permanent placement of the manufactured (mobile) home. See the Rating section of this manual for rules for manufactured (mobile) homes located in manufactured (mobile) home parks and subdivisions. Compare the date of construction or substantial improvement with the effective date of the initial FIRM to determine if the building was constructed Pre- or Post- the effective date of the initial FIRM. • Substantial Improvement Exception For new applications, renewal applications, and endorsements when making a rating correction concerning a substantial improvement to a Pre-FIRM building where the improvement is an addition to the building and it meets the conditions of Pre-FIRM construction, found on pages RATE 15-16 of this manual, the producer should complete the Construction Data section of the Application as follows: a. Enter the date of construction for the Pre-FIRM part of the building (not the date of construction of the addition). This date will be shown as the construction date on the declarations page. b. Do not respond to the question IS BUILDING POST-FIRM CONSTRUCTION? Instead, complete the top part of this section as follows: "Substantial Improvement but continues to be Pre-FIRM." c. Supply the elevation data for the ADDITION. d. Complete the remainder of both parts of the Construction Data section in the usual manner. If a policyholder elects to use the normal Post-FIRM rating for substantial improvement, the producer must complete Part 2 of the Application as indicated. 2. Elevation Information Elevation information must be completed in the second part of the Construction Data section. • Post-FIRM Construction Check YES if the building is Post-FIRM construction or substantial improvement; otherwise, check NO. • Building Diagram Number and Lowest Adjacent Grade Provide the building diagram number and lowest adjacent grade from the Elevation Certificate (EC). NOTE: All new business applications for elevation-rated risks with a policy effective date of January 1, 2007, or later must be accompanied by the new EC form. The EC must meet all photo requirements described on pages CERT 1-2 of this manual. An EC submitted without the required photographs is not considered valid for rating. The lowest adjacent grade is not required for buildings without estimated BFE located in AO and unnumbered A and V zones. Policies rated using the Floodproofing Certificate do not require either the lowest adjacent grade or the diagram number. In communities that participate in the NFIP’s Community Rating System (CRS), building elevation information may be available from the community office in charge of building permits or floodplain management. • Elevation Information for Buildings in the Course of Construction When the building is in the course of construction, the elevation information provided by the surveyor on the EC must be based on the proposed architectural plans. The NFIP requires the agent to describe and rate the structure based on the proposed plans. Buildings in the course of construction are to be rated the same as completed construction. A renewal application and a new EC are required at renewal time. For example, if the building is elevated and the proposed plans show an enclosure, the building must be described as elevated with an enclosure. The only exception is when an EC was prepared in the course of construction, and the surveyor was able to provide all elevation information required on the EC. • Lowest Floor Elevation and Related Items Use the eight building diagrams on pages CERT 18-19 to determine the correct lowest floor. See pages LFG 1-7 for information about determining the lowest floor for rating. When entering elevation data, drop hundredths of a foot and show only tenths of a foot. For example, if the elevation difference is 10.49’, enter 10.4’; do not round up to 10.5’. • Wave Height Adjustment In Zones V, V1-V30, and VE, if NO is checked for the question about Effects of Wave Action, refer to page RATE 29 for guidelines for FIRMS with wave heights. • Floodproofing If YES is checked for Floodproofed and the FIRM zone entered in the Community section of the Application is V, V1-V30, or VE, the Application must be submitted to the NFIP for underwriting and rating. For all other zones, refer to pages RATE 30-31 for elevation difference and rating guidelines. • Elevation Certification Enter the elevation certification date for all new business applications. M. Coverage and Rating Check desired coverage against the “Amount of Insurance Available” table on page RATE 1. Then enter the limits, indicate the rates and rate type, and add additional charges/credits, i.e., deductible reduction/increase, ICC Premium, CRS Premium Discount, Probation Surcharge (if any), and Federal Policy Fee. Calculate the Total Prepaid Amount. N. Signature The producer must sign the Application and is responsible for the completeness and accuracy of the information provided on it. Enter the date of application (month/day/year). The waiting period is added to this date to determine the policy effective date of the policy listed in the Policy Term section. A check or money order for the Total Prepaid Amount, payable to the NFIP, must accompany the application. A credit card payment by VISA, MasterCard, Diner’s Club, or American Express will also be acceptable if a disclaimer form, signed by the insured, is submitted with the Flood Insurance Application. The disclaimer will state that cancellation of a policy due to a billing dispute will be permitted only for a billing error or fraud. If the credit card information is taken over the telephone by the producer, the producer may sign the authorization form on behalf of the payor only after having read the disclaimer to the payor. V. COMPLETING PART 2 OF THE FLOOD INSURANCE APPLICATION FORM After completing Part 1 of the Flood Insurance Application, the producer must complete all relevant items in Part 2 of the Application for the following risks: • Post-FIRM construction located in Zones A1-A30, AE, AH, AO, A, V1-V30, VE, and V. • Pre-FIRM construction using optional Post-FIRM rating located in Zones A1-A30, AE, AH, AO, A, V1-V30, VE, and V. Part 2 of the Application collects information about risk factors affecting the building, occupancy information, and elevation data relative to the ground level. A completed Elevation Certificate must be attached to the Application before sending it to the NFIP. To complete Part 2 of the Application, the producer must: • Obtain all necessary information from the applicant. Then select the building diagram that best illustrates the applicant's building. These diagrams are shown in the Elevation Certificate and Instructions, which are reproduced in the Special Certifications section of this manual. • Transcribe the information from the applicant and Elevation Certificate onto Part 2 of the Application. For renewal applications, enter the policy number in the space at the top of the form. Be sure to have the applicant or the applicant's representative sign and date the bottom of the form. The applicant or the applicant's representative must complete all numbered sections of the form, check all appropriate boxes, provide all information, and respond to all YES/NO questions that are applicable to the building. (For example, Section II should be completed only for Elevated Buildings.) SECTION I—ALL BUILDING TYPES 1. The number of the building diagram selected is entered here. Use the diagrams shown at the end of the Elevation Certificate and Instructions. 2.-4.The agent may obtain the requested elevation information from Section C of the Elevation Certificate, or the applicant or the applicant’s representative may provide this information. If the applicant or the applicant’s representative furnishes these measurements, they must be taken with a ruler or tape measure. All measurements are rounded to the nearest foot using the ground (grade) immediately next to the building. NOTE: The terms "grade" and "ground" are used interchangeably. The intent is that man-made alterations of the grade, such as a declining driveway into a building or a dugout entrance to a basement, do not represent ground level. 5. If "OTHER" is checked in Question 5b, a brief description of the source must be provided. APP 7 6. If the answer to Question 6a is NO, Question 6b should be disregarded. 7. If the answer to Question 7a is NO, Questions 7b, 7c, 7d, and 7e should be ignored. SECTION II—ELEVATED BUILDINGS If the building is a manufactured (mobile) home/travel trailer that has been elevated, complete this section in addition to Sections I and III. 8. Check the type of foundation used for the building. 9. If YES is checked, check the appropriate item(s). 10. Refer to page LFG 1 to verify that the area below the elevated floor satisfies the definition of an enclosed area. If Question 10a is NO, do not answer Questions 10b through 10f. In Question 10b, enter the size of the area in square feet. If Question 10c is YES, check the single most appropriate of boxes 1-4. In Question 10d, check YES if the area is constructed with openings (excluding doors), within 1 foot of adjacent grade, to allow the passage of flood waters. Enter the number of openings and their total area in square inches. If Question 10e is YES, provide a description. In Question 10f, check YES if the enclosed area has more than 20 linear feet of finished wall, paneling, etc.; otherwise, check NO. SECTION III—MANUFACTURED (MOBILE) HOMES/TRAVEL TRAILERS 11. Fill in the make, year of manufacture, model number, and serial number. 12. Enter the dimensions, excluding any permanent addition or extension to the manufactured (mobile) home or travel trailer. October 1, 2006 13. Check YES if permanent additions or extensions are present; otherwise, check NO. If YES, enter dimensions. 14. If OTHER is checked, describe the anchoring system. 15. Check the appropriate box for how the manufactured (mobile) home was installed. 16. Check YES if the manufactured (mobile) home is located in a manufactured (mobile) home park or subdivision; otherwise, check NO. VI. MAILING INSTRUCTIONS After completing all sections on the Application, attach all required certifications or other documents to the applicant's check, draft, or money order, payable to the NFIP for the Total Prepaid Amount. A credit card payment by VISA, MasterCard, Diner’s Club, or American Express will also be acceptable if a disclaimer form, signed by the insured, is submitted with the Flood Insurance Application. The disclaimer will state that cancellation of a policy due to a billing dispute will be permitted only for a billing error or fraud. If the credit card information is taken over the telephone by the producer, the producer may sign the authorization form on behalf of the payor only after having read the disclaimer to the payor. Mail the original copy of the Application with the Total Prepaid Amount to the NFIP. Distribute copies of the Application to the agency file, the applicant, and the mortgagee. A copy of the Application and a copy of the premium payment are sufficient to satisfy the mortgagee's proof-ofpurchase requirements. After receipt of the Application and total prepaid amount, the NFIP will process the Application and issue the policy. The policy contract and declarations page will be mailed to the insured. Copies of the declaration page will be mailed to the producer and mortgagee(s). VII. HANDLING OF INCOMPLETE OR INCORRECT APPLICATIONS If an Application is not complete, or if the information presented on the Application is not correct, the Application will not be processed but will be placed in a pending file until the completed or corrected information is provided by the producer. For the NFIP direct business, if the missing information is not provided, a policy will be issued using Tentative Rates. If insufficient information is available to tentatively rate the policy, the flood insurance will be rejected and the premium remittance refunded. For NFIP direct business, in the case of incomplete applications, the NFIP Servicing Agent will send the producer a transmittal document and a letter requesting the incomplete or missing information. Copies of this letter will be provided to the named insured and mortgagee(s). The producer should provide the additional or corrected information to the NFIP Servicing Agent along with the transmittal document. Since coverage cannot be conferred in excess of the coverage that can be purchased for the amount presented (received by the NFIP), it is important that underpayment errors be corrected immediately. In the case of an underpayment, when both building and contents coverage have been requested, the coverage reduction will be prorated between building and contents in accordance with NFIP rules. The ratio of building to contents coverage for the full requested coverage will be used to determine the portion of the submitted premium available to purchase building and contents coverage. The NFIP Flood Insurance Application does not appear in this revision, pending OMB approval of a new expiration date. 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 PROG RAM 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 TABLE 2. REGULAR PROGRAM -- PRE-FIRM CONSTRUCTION RATES1, 2 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 Building Contents Building Contents Building Contents Building Contents No Basement/Enclosure .76 / .40 .96 / .72 .76 / .40 .76 / .83 .83 / .71 With Basement .81 / .59 .96 / .60 .81 / .59 .76 / .69 .88 / .69 With Enclosure .81 / .71 .96 / .72 .81 / .71 .81 / .88 .88 / .88 Manufactured (Mobile) Home3 .76 / .40 .96 / .72 .83 / .71 Basement & Above .96 / .60 .96 / .60 1.62 / 1.20 Enclosure & Above .96 / .72 .96 / .72 1.62 / 1.44 Lowest Floor Only - Above .96 / .72 .96 / .72 1.62 / .63 Ground Level Lowest Floor Above Ground .96 / .49 .96 / .49 1.62 / .53 Level and Higher Floors Above Ground Level - More .35 / .12 .35 / .12 .24 / .12 than One Full Floor Manufactured (Mobile) Home3 1.62 / .63 FIRM ZONES V, VE, V1-V30 FIRM ZONES A99, B, C, X 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 Pre-FIRM buildings with subgrade crawl spaces that are below the Base Flood Elevation (BFE) may use optional Post-FIRM elevation rating. Follow the procedures from the Specific Rating Guidelines for policy processing. 3 The definition of Manufactured (Mobile) Home includes travel trailers. See page APP 3. V. RATING STEPS A. Determine the exact location of the building and/or contents to be insured. IF THE MAILING ADDRESS DIFFERS FROM THE PROPERTY ADDRESS, USE THE PROPERTY ADDRESS ONLY. B. Determine if the building is located in an eligible community. Not all communities participate in the NFIP. There is NO COVERAGE available in non­participating communities. If you are uncertain, call the NFIP insurer, consult a local community official, or check the NFIP Community Status Book online (http://www.fema.gov/fema/csb.shtm). C. Determine the NFIP program phase (Emergency or Regular) and the community in which the property is located. Some communities may be eligible for premium discounts under the Community Rating System (CRS). See the CRS Section for a list of eligible communities, the corresponding discounts, and an example showing how to apply the CRS discount. D. Determine the location of the contents in the building. E. Determine the date of construction as described below. • Date of Construction—Buildings For flood insurance purposes, the date of construction for buildings under the NFIP must be determined in order to establish whether the building is Pre-FIRM or Post-FIRM construction. The start of construction or substantial improvement for insurance purposes means the date the building permit was issued, provided the actual start of construction, repair, reconstruction, or improvement was within 180 days of the permit date. For the Coastal Barrier Resources System, the start of construction or substantial improvement, for insurance purposes, must be determined in accordance with the documentation requirements set forth by the Coastal Barrier Resources Act (CBRA). (See the Coastal Barrier Resources System Section.) • Date of Construction—Manufactured (Mobile) Homes/Travel Trailers The date of construction for a manufactured (mobile) home is different from a standard building and depends upon the location of the manufactured (mobile) home. For manufactured (mobile) homes located in manufactured (mobile) home parks or subdivisions, the date of construction is the date facilities were constructed for servicing the manufactured (mobile) home site, or the date of the permit, provided that construction began within 180 days of the permit date. This rule applies to all manufactured (mobile) homes even if the manufactured (mobile) home is rated and classified as single family. For manufactured (mobile) homes not located in manufactured (mobile) home parks or subdivisions, but located on individually owned lots or tracts of land, the date of construction is the date the manufactured (mobile) home was permanently affixed to the site or the permit date if affixed to the site within 180 days of the date of permit. • Pre-FIRM Construction For the purpose of determining insurance rates, buildings for which the start of construction or substantial improvement was on or before December 31, 1974, or before the effective date of the initial FIRM for the community, are considered Pre-FIRM construction. However, for insurance purposes, manufactured (mobile) homes that are located or placed in existing manufactured (mobile) home parks or subdivisions, or expansions to existing manufactured (mobile) home parks or subdivisions, are considered Pre-FIRM. All historic buildings are considered Pre-FIRM as long as the building meets the definition of a historic building. (See the Definitions Section.) Pre-FIRM buildings that are substantially improved may continue being rated as Pre-FIRM if certain conditions are satisfied. Pre-FIRM rating is applicable ONLY when ALL of the following conditions are met: - The building must be Pre-FIRM. - The substantial improvement must be an ADDITION to the building. (This condition excludes substantial improvements made as interior remodeling or repair projects.) - The ADDITION and extension must be next to and in contact with the existing building. (This condition does not apply to substantial improvements consisting of the construction of additional floors.) - An Elevation Certificate must be submitted to the NFIP Underwriting Unit with the application or renewal. The Elevation Certificate must verify that the lowest floor elevation of the ADDITION is at or above the applicable base flood elevation in effect at the time the addition is started. NOTE: All new business applications or renewals for elevation-rated risks with a policy effec­tive date of January 1, 2007, or later must be accompanied by the new EC form. The EC must meet all photo requirements described on pages CERT 1-2 of this manual. An EC submitted without the required photographs is not considered valid for rating. If all of the above conditions are satisfied, the entire building is eligible for Pre-FIRM rates. (Except for some V-Zone risks and some manufactured [mobile] home risks, Post-FIRM rates provide less costly coverage and, therefore, the coverage may be rated using the lower Post-FIRM rates.) If the above conditions are not satisfied, the entire building MUST be rated as Post-FIRM. • Post-FIRM Construction For insurance rating purposes, buildings for which the start of construction or substantial improvement was after December 31, 1974, or on or after the effective date of the initial FIRM for the community, whichever is later, are considered Post-FIRM construction. This would include all manufactured (mobile) homes located in either new manufactured (mobile) home parks or subdivisions or outside of existing manufactured (mobile) home parks or subdivisions. VI. PREMIUM CALCULATION A. Emergency Program 1. Determine Occupancy Type: Residential or Non-Residential. 2. Calculate premium using appropriate rates. 3. Apply appropriate deductible factor if an Optional Deductible is selected. 4. Add Federal Policy Fee. B. Regular Program 1. Determine if the property to be insured is Pre-FIRM or Post-FIRM. A Pre-FIRM premium table for standard risk, single family property is located on page RATE 11. 2. Determine Zone. 3. Determine Occupancy: Single Family, 2-4 Family, Other Residential, Non-Residential, or Manufactured (Mobile) Home. 4. Determine Building Type (including basement or enclosure, if any): one floor, two floors, three or more floors, split level, or manufactured (mobile) home on foundation. 5. Determine if building has basement (or enclosed area below an elevated building): none, finished, or unfinished. 6. Determine Elevation Difference. 7. Calculate premium using the appropriate rates. 8. Apply appropriate deductible factor if an Optional Deductible is selected. 9. The ICC premium is not subject to deductible factors. First calculate the deductible amount, then add in the ICC premium, for each policy year. 10. Apply CRS discount, if applicable. 11. Add $50.00 Probation Surcharge if building is located in a community on probation. 12. Add Federal Policy Fee. VII. KEY POINTS FOR RATING A. Basic Limits and Additional Limits For rating purposes in the Regular Program, separate rates have been established for the Basic Limits and the Additional Limits. B. Whole Dollars 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. C. Increased Cost of Compliance (ICC) Premium Total Prepaid Amount will include ICC premium. The ICC premium is not subject to deductible factors, but the CRS discount will apply. D. Federal Policy Fee A Federal Policy Fee shall be charged for all new and renewal policies, including the Preferred Risk Policy. This fee is fully earned on the effective date of the policy, except as indicated in the Cancellation/Nullification Section. This fee is not subject to earned commissions and, as such, is not considered part of the Total Prepaid Premium. The Federal Policy Fee must, however, be added to the Total Prepaid Premium in order to figure the Total Prepaid Amount. Under the Residential Condominium Building Association Policy, the Federal Policy Fee is based on the number of units (see CONDO Section). E. Buildings in More Than One Flood Zone Buildings, not the land, located in more than one 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. F. Mortgagee on Policy—Higher Deductible Requested When a mortgagee is listed on the policy, their WRITTEN CONSENT should be secured before requesting a deductible higher than the applicable SFIP deductible. VIII. REGULAR PROGRAM, POST-FIRM ELEVATION-RATED RISKS A. Elevation Difference The elevation difference is the difference between the lowest floor used for rating and the Base Flood Elevation (BFE). The elevation difference must be determined if the building is Post-FIRM located in a Special Flood Hazard Area (SFHA) and within a Regular Program community. Refer to the Lowest Floor Guide section for a guide to determining the lowest floor. Note that, in Puerto Rico, elevations are based on meters rather than feet. Before rating the flood insurance premium, the agent must convert the meter elevations into feet. For rating purposes, the elevation difference is the difference, measured in feet, between the lowest floor elevation of the building to be rated, and the BFE for that zone. The elevation difference can be a number of feet above (+) or below (-) the BFE. If the BFE and/or the lowest floor elevation is shown in tenths (e.g., 10.5’), the agent must apply the rounding rule to the difference between the BFE and the lowest-floor-for-rating elevation. If the difference is negative, the final figure is rounded up from .5. If the difference is positive, the final figure is rounded up from .5. Always round to the higher elevation. For example, -3’ is higher than -3.5’ and +4’ is higher than +3.5’. Rounding Rule Example: 11’ BFE -3’ -2’ -1’ 0’ +1’ +2’ +3’ 10.5’ LF - 11.0’ BFE = -0.5’ Because the difference is negative, it is rounded up to 0’. 11.5’ LF – 11.0’ BFE = +0.5’ Because the difference is positive, it is rounded up to 1.0’. B. Examples Examples to illustrate how to determine the elevation difference are provided below. 1. Zones A1-A30, AE, AR, AR Dual Zones, Post-‘81 V1-V30, VE, and A (With Estimated BFE) Lowest Floor Elevation -Base Flood Elevation (BFE) = Elevation Difference Examples: a. Lowest Floor Elevation (+10') - BFE (+6') = Elevation Difference of (+4'). b. Lowest Floor Elevation (+8.3') - BFE (+6.0') = Elevation Difference of (+2.3'); therefore, (+2.3') is rounded down to (+2.0'). c. Lowest Floor Elevation (+12.4') - BFE (+8.8') = Elevation Difference of (+3.6'); therefore, (+3.6') is rounded up to (+4.0'). d. Lowest Floor Elevation (+9.5') - BFE (+12.0') = Elevation Difference of (-2.5'); therefore, (-2.5') is rounded down to (-2'). 2. Zone AH Lowest Floor Elevation -Base Flood Elevation (BFE) = Elevation Difference Examples: a. Lowest Floor Elevation (+4') - BFE (+2') = (+2'); use With Certification of Compliance rates. b. Lowest Floor Elevation (+6') - BFE (+8') = (-2'); use Without Certification of Compliance rates. c. Lowest Floor Elevation (+4') - BFE (+4') = (0'); use With Certification of Compliance rates. 3. Zone AO In AO zones, the difference between the top of the bottom floor and the highest adjacent grade is the lowest floor elevation used for rating. If the lowest floor elevation is equal to or greater than the Base Flood Depth printed on the FIRM, use With Certification of Compliance rate. If the elevation difference is less than the Base Flood Depth, use Without Certification of Compliance rates. When no Base Flood Depth is printed on the FIRM, a depth of 2 feet must be used for rating purposes. Examples: a. Lowest Floor Elevation (distance between the top of the bottom floor and the highest adjacent grade) (+5') -Base Flood Depth (3') = (+2'); use With Certification of Compliance rates. b. Lowest Floor Elevation (0') - Base Flood Depth (+1') = (-1'); use Without Certification of Compliance rates. c. Lowest Floor Elevation (+2') - (+2') (no published Base Flood Depth) = (0'); use With Certification of Compliance rates. 4. Zone A (With No Estimated BFE) In Zone A where there is no established BFE, the difference between the top of the bottom floor and the highest adjacent grade is the lowest floor elevation used for rating. Examples: a. Lowest Floor Elevation (distance between the top of the bottom floor and the highest adjacent grade) (+3') = (+3') for rating purposes (use No Estimated BFE rate table). The top of the bottom floor is 3' above the highest adjacent grade. b. Lowest Floor Elevation (-2') = (-2') for rating purposes. The top of the bottom floor is below the highest adjacent grade by 2'. 5. Zones V1-V30, VE Post-FIRM 1975-81 Lowest Floor Elevation -Base Flood Elevation (BFE) = Elevation Difference C. Optional Elevation Rating Pre-FIRM construction, at the option of the applicant, may be rated using Pre- or Post-FIRM rating. Once it is determined which rating will provide a lower premium, a policy may be endorsed to obtain a lower rate. Pre-FIRM buildings with subgrade crawl spaces that are below the Base Flood Elevation (BFE) may use optional Post-FIRM elevation rating. For policy processing, follow the Submit-for-Rate procedures on pages RATE 23-24. This is the only Pre-FIRM construction that can be rated using the Submit-for-Rate procedure. IX. PRE-FIRM ELEVATED BUILDING RATED AT PRE-FIRM RATES Pre-FIRM elevated buildings with no enclosures beneath the lowest elevated floor are to be rated using the No Basement rates. Pre-FIRM elevated buildings with enclosures beneath the lowest elevated floor are to be rated using the With Enclosure rates. X. AR ZONE AND AR DUAL ZONE RATING NOTE: AR Dual Zones appear on the FIRM as AR/AE, AR/AH, AR/AO, AR/A1­ A30, and AR/A. For Pre-FIRM construction and Post-FIRM non-elevation rated risks, use the rates provided in Table 4. Structures in AR and AR Dual Zones with an Elevation Certificate may be rated using the rates provided in Table 5. XI. POST-FIRM AO ZONE RATING In Zone AO, when the base flood depth number is not printed on the FIRM, a base flood depth of 2 feet is an acceptable standard unless modified by community ordinance or state law. The difference from the top of the lowest floor to the highest adjacent ground (grade) must be greater than or equal to 2 feet in order to use the more favorable With Certification of Compliance rates. If the difference is less than 2 feet, the Without Certification of Compliance rates are to be used. XII. POST-FIRM RATING OF ELEVATED BUILDINGS IN ZONES B, C, X, A99, AND D Post-FIRM elevated buildings in the above zones with no enclosures beneath the lowest elevated floor are to be rated using the No Basement/Enclosure rates. Post-FIRM elevated buildings in the above zones with enclosures beneath the lowest elevated floor are to be rated using the With Enclosure rates. XIII. REGULAR PROGRAM V ZONE POSTFIRM CONSTRUCTION A. Rating All V Zone Buildings For an elevated building (building on posts, piles, or piers only) rated without an enclosure or obstruction, the Zone V, V1-V30, and VE rates do not take into consideration the flood risk associated with any addition of a habitable area (finished or used as living or work area) below the lowest elevated floor. Further, rates do not allow for any flood risk to the machinery or equipment used to service the building located below the lowest elevated floor. NOTE: A 1975-81 risk with an unfinished enclosure under 300 square feet, with breakaway walls, and without machinery or equipment, can be rated without taking into account the enclosure, but a 1981 Post-FIRM risk cannot. B. Zones VE and V1-V30—Enclosure Containing Machinery or Equipment Below BFE Follow these steps when determining the lowest floor for rating in Zones VE and V1-V30 where there is an enclosure containing machinery or equipment located below the BFE: • The bottom of the enclosure slab is the correct floor for rating. Determine whether the elevation in Item C2.c on the new Elevation Certificate (EC) or Item C3.c on the old EC (bottom of lowest horizontal structural member) reflects the top or the bottom of the slab. • If the lowest horizontal structural member is equal to or higher than Item C2.f on the new EC or Item C3.f on the old EC (lowest RATE 19 October 1, 2006 adjacent grade), deduct (for 1-4 family residences) 12 inches from the elevation found in Item C2.c or Item C3.c and 18 inches for buildings other than 1-4 family. This estimated elevation is the elevation figure used for rating the flood insurance policy. If the surveyor has used Item C2.a on the new EC or Item C3.a on the old EC (top of bottom floor including basement or enclosure) to indicate the elevation of the enclosure slab, then: • The bottom of the enclosure slab is the correct floor for rating. Determine whether the elevation in Item C2.a or Item C3.a reflects the top or the bottom of the slab. • If Item C2.a is equal to or higher than Item C2.f, or if Item C3.a is equal to or higher than Item C3.f, deduct (for 1-4 family residences) 12 inches from the elevation found in Item C2.a or Item C3.a and 18 inches for buildings other than 1-4 family. This estimated elevation is the elevation figure used for rating the flood insurance policy. C. 1975-81 Post-FIRM V Zone Construction 1975-81 Post-FIRM V-Zone Construction refers to any V-Zone Post-FIRM building for which the start of construction or substantial improvement began January 1, 1975, through September 30, 1981. D. 1981 Post-FIRM V Zone Construction 1981 Post-FIRM V-Zone Construction refers to any V Zone Post-FIRM building for which (1) the permit application date for the construction or substantial improvement is on or after October 1, 1981, or (2) the permit was issued before October 1, 1981, and the actual start date of construction did not begin within 180 days of the permit date. E. Elevated Buildings—1981 Post-FIRM V Zone Construction 1. Elevated Building Without Obstruction The area below the lowest elevated floor is open, with no obstruction, to allow the flow of floodwaters. Insect screening is permis­sible. Wooden or plastic lattice, slats, or shutters are also permissible if at least 40 percent of their area is open. Lattice can be no thicker than ½ inch; slats or shutters can be no thicker than 1 inch. Any machinery or equipment below the lowest elevated floor must be at or above the BFE. Use the rates from Table 3E. For unnumbered Zone V, use Submit-for-Rate guidelines. 2. Elevated Building With Obstruction The area below the Elevated Floor is enclosed, either partially or fully by solid perimeter foundation walls or breakaway walls. Use the rates from Table 3F provided that the enclosure is less than 300 square feet or contains machinery or equipment below the BFE. For unnumbered Zone V, use Submit-for-Rate guidelines. NOTE: • Equipment located below the lowest elevated floor constitutes an obstruction. • For all non-elevated buildings, elevated buildings with non-breakaway walls below their lowest elevated floors, and elevated buildings with habitable or finished areas located below their lowest elevated floors, the submit-for­rate procedures should be followed. Producers should be sure to include a recent photograph or blueprints, including a site grading plan if ocean front, a copy of the variance, and an Elevation Certificate with the Application form. • Any additions during the policy term or any subsequent policy term that would change the applicable rates must be endorsed to the policy. Any additional premium must be paid by the insured. 3. Replacement Cost Ratio The replacement cost ratio is needed to select the proper rate for insurance on buildings in 1981 Post-FIRM Construction V, V1-V30, and VE Zones on or after October 1, 1981. The estimated building replacement cost is used in conjunction with the amount of the building insurance desired to determine the insurance-to­replacement-cost ratio. Replacement cost is defined as the amount of money required to replace or repair the insured building in the event of loss or damage, without a deduction for depreciation. The replacement cost ratio is determined by dividing the amount of building coverage by the replacement cost of the building. If the replacement cost of the building exceeds the maximum statutory building limit, use the replacement cost, not the maximum statutory building limit, in calculating the ratio. For example, if the building replacement cost is $1,000,000 and the amount of building coverage requested is the maximum statutory building limit of $250,000, the rate is .25, so use the rate listed for “Replacement Cost Ratio Under .50.” Place the rate in the appropriate box on the Application and continue with the premium calculation. 4. Elevation Information The lowest floor elevation must be identified for buildings in Zones V, V1-V30, and VE. Note that the lowest floor elevation is measured at the bottom of the lowest floor beam or slab, whichever is appropriate. The BFE, including wave height, must be identified for any building located in Zones V1-V30 and VE. XIV. SPECIAL RATING SITUATIONS A. Tentative Rates Tentative rates are used to issue policies when producers fail to provide the required actuarial rating information. With tentative rates, a policy will be generated with coverage limits based on the actual premium received. Tentatively rated policies cannot be endorsed to increase coverage limits, or renewed for another policy term, until the required actuarial rating information and full premium payment are received. Tentative rates are generally higher than the rates published in this manual (ranging from $2 to $10 per $100 of coverage). When tentative rates are applied, a Declarations Page and a Tentative Rate Letter will be forwarded to the policyholder, producer, and mortgagee (if any), requesting the necessary information so that the proper rate can be determined. If a loss occurs on a tentatively rated property, payment will be limited by the amount of coverage that the initially submitted premium will purchase using the correct actuarial rating information. B. Alternative Rates When a building is Pre-FIRM and the FIRM zone is unknown, an alternative rating procedure can be used only if the building is located in a community that does not have any V Zones. In these cases, the NFIP will presume that the building is located in a Special Flood Hazard Area, and the FIRM zone should be shown as Zone AA. AA is not a valid flood zone designation; rather, it is a rating method used when the flood zone is unknown. The rates for FIRM Zone A for Pre-FIRM properties should then be used to compute the premium. The alternative rating procedure is also used by the NFIP for renewal of policies in communities that have converted from the Emergency Program to the Regular Program during a policy's term. Again, this procedure can be used only when the community has no V Zones. In these cases, the NFIP assigns an AS Zone designation, which is not a valid flood zone designation, but rather a rating method, and uses the Pre-FIRM Zone A rates to compute the premium. In both of the above situations, the producer should determine the actual FIRM zone and submit a General Change Endorsement to correct the FIRM zone and premium. All corrections should be made as soon as possible within the initial policy term after an AA or AS Zone designation has been made. If the correct flood zone is not provided, no Renewal Premium Notice will be issued. C. Map “Grandfather” Rules--Effect of Map Revisions on Flood Insurance Rates A community will occasionally make structural improvements (dams, levees, etc.) to reduce the potential effects of flooding; experience new development aggravating the flooding situation, thereby expanding the floodplain; revise geographical boundaries resulting in the designation of additional flood hazard areas; or provide information to better delineate the BFE and/or flood insurance risk zones. When these situations occur, the FIRM is revised and republished. The implementation of a new FIRM raises the question--HOW DOES THE NEW MAP AFFECT FLOOD INSURANCE RATES? 1. Grandfather Rules To recognize policyholders who have built in compliance with the FIRM and/or remained loyal customers of the NFIP by RATE 21 October 1, 2006 maintaining continuous coverage, the Federal Emergency Management Agency has “Grandfather rules.” These rules allow such policyholders to benefit in the rating for that building. For such buildings, the insured would have the option of using the current rating criteria for that property or having the premium rate determined by using the BFE and/or flood zone on the FIRM (old map) in effect when the building was originally constructed (for those built in compliance) or when coverage was first obtained (for those with continuous coverage). This results in a cost savings to insureds when the new map resulting from a map revision would result in a higher premium rate. The conditions that must be met for an insured to be eligible to receive the rating benefit from the “Grandfather rules” after a map revision (new map) becomes effective are described below. 2. General Rule of Rating Always use the new map if it will provide a more favorable premium (lower rate). 3. Existing Business--Renewal Policies Policies written to cover either Post-FIRM or Pre-FIRM construction may be renewed and rated based on the FIRM and/or BFE in effect when the policy was initially rated as long as the coverage is continuous and the building has not been altered to make the reference level lower than the BFE on that FIRM. (NOTE: Alteration does not apply to Pre-FIRM construction or to risks grandfathered to a B, C, or X Zone.) a. Examples--Post-FIRM Construction • A building was constructed in 1980. Coverage was purchased at the time of construction. The FIRM zone in effect was A1. The BFE was 10’. The Lowest Floor was 11’. The elevation difference was +1, and the policy was rated using a +1 elevation difference. This policy was written and continuously renewed for 3 years. In 1983 a new map for the community was issued. The property remained in an A1 Zone. However, the BFE became 12’. Because the lowest floor did not change, the elevation difference was -1. Since continu­ous coverage existed on the policy and the building was not altered in any way, the policy can be rated using a +1 elevation difference. • A building was constructed in 1980. The FIRM zone in effect was A. In 1983 the map was revised, which placed the building in a VE zone. Since continuous coverage existed and the building was not altered, the policyholder can continue to use Zone A in determining the rate. b. Example--Pre-FIRM Construction At the time flood insurance coverage was applied for, the building was located in Zone A99. A new map designated the zone as AE. The policy may continue to be rated using Zone A99 rates on the old map as long as there is no interruption in coverage. 4. New Business--Applications for Coverage a. Post-FIRM Construction NOTE: These rules apply to buildings in all zones, including Zone D. If a new policy is applied for, the rates can be based on the FIRM zone and the BFE on the old map in effect on the date the building was constructed provided that: • The building was built in compliance with the map in effect at the time of construction; and • The building has not been altered in any way that has resulted in a lowest floor, for rating purposes, lower than the BFE on that FIRM (e.g., enclosing the area below an elevated building); and • The building has not been substantially improved. The property owner or producer must provide proper documentation to the WYO company or NFIP Servicing Agent. The documentation must show: the date of the FIRM; the zone on that FIRM in which the property is located; the BFE, if any, for that zone; a copy of the map panel showing the location of the building; and the rating element that is to be grandfathered. A letter from a community official verifying this information, or an Elevation Certificate, also is acceptable. RATE 22 October 1, 2006 Example: A building was constructed in 1980 and, according to the FIRM in effect at that time, was located in Zone AE. No insurance policy was purchased until 1990. At that time remapping had occurred and the zone had been changed to a more hazardous area, Zone VE. The new policy can use Zone AE as the rating zone if the required documentation is provided. b. Pre-FIRM Construction This “built in compliance” rule also applies to Pre-FIRM construction if the date of construction was on or before December 31, 1974, and was on or after the FIRM date. Example: A building was constructed in November 1974 and the FIRM date was May 3, 1973. The old map showed the building’s location as Zone C. Ten years later in 1984, a new map placed the building in an A zone. Flood insurance coverage was applied for after the map was revised. To use the old map showing Zone C as the rating zone, proper documentation must be submitted. D. Post-’81 V Zone Optional Rating This optional rating is available for new and renewal policies and endorsements with effective dates on or after October 1, 1997. Policies for 1975 through 1981 Post-FIRM and Pre-FIRM buildings in Zones VE and V1-V30 are allowed to use the Post-’81 V Zone rate tables (Tables 3E or 3F) if the rates are more favorable to the insured. In order to qualify, the following criteria must be met: 1. The policy must be rated using the BFE printed on the FIRM panel that includes wave height. The effective date of the FIRM panel must be on or after 10/1/81. 2. The building rates are determined based on the ratio of the estimated building replacement cost and the amount of insurance purchased. 3. The building must be elevated free of obstruction or with obstruction less than 300 square feet. All machinery and equipment located below the BFE are considered obstructions. E. Policies Requiring Re-Rating The following conditions require that the policies be rated using the new map: 1. If an elevation-rated building is altered, making the lowest floor for rating purposes below the BFE. Example: An elevated building is located in an AE Zone at the time of construction. The Lowest Floor Elevation (LFE) was 18’. The BFE was 10’. The Lowest Floor rating was a +8 elevation differential. The map was revised, changing the BFE to 11’. The insured decided to enclose the area beneath the elevated floor and use it as a living area. This changed the LFE to 9’. Due to the alteration, the new map must be used and the building is rated as -2. 2. If a Pre-FIRM or Post-FIRM building is substantially improved or substantially damaged, the building must be re-rated using the FIRM in effect at the time that the substantial improvement occurred. A newer FIRM can always be used if it will result in a more favorable rating. Example: A building was constructed in 1972 and, when flood insurance was applied for in 1976, was found to be located in Zone C. The FIRM was revised in 1984. The building was substantially improved in 1985. Due to the improvement, the building must now be re-rated as Post-FIRM construction using the 1984 map, or the most recent map can be used if it will result in a more favorable rating. If ineligible for renewal as a Preferred Risk Policy because of a map change, the risk must be rewritten as a Standard Flood Insurance Policy. F. Submit-for-Rate Certain properties at high flood risk, because of peculiarities in their exposure to flooding, do not lend themselves to preprogrammed rates. These risks require an in-depth underwriting analysis and must be submitted to the NFIP for an individual (specific) rate. As RATE 23 October 1, 2006 with other lines of property insurance, the underwriter requires documentation to evaluate those risk characteristics that make up the basis for a proper rate. The NFIP's two-fold goal of establishing sound actuarial rates and obtaining information for enforcing floodplain management requires that the following documentation be supplied for risks that fall within the submit-for-rate category: 1. Completed NFIP Flood Insurance Application. 2. Completed current Elevation Certificate. 3. Variance issued by the local community stating that permission was granted to construct the building. If no variance was granted, a statement to that effect signed by the applicant or the applicant's representative is required. 4. Recent photographs of the building (front and back), or a blueprint (layout of the building) if the building is under construction. 5. The square footage of any enclosure(s) or crawl spaces(s) below the elevated floor, the use of the enclosure/crawl space, a list of machinery and equipment, and the approximate value of each item located in the enclosure/crawl space. 6. If the area below the elevated floor is enclosed using masonry walls and these walls are represented as being breakaway walls in V Zones, a signed letter of verification from a local building official, an engineer, or an architect. 7. A statement from the applicant or the applicant's representative that the enclosure was built at the time that the building was originally constructed, or at a later date (give date). 8. If the building has a basement, a list of machinery and equipment located in the basement and each item's approximate value. 9. For elevated buildings, an Elevated Building Determination Form signed by the insured. 10. For all Post ’81 V-Zone, non-elevated buildings, foundation/structural plans or, if foundation/structural plans are not available, a written statement from the applicant or agent providing the same information. For Submit-for-Rate policies written as NFIP direct business, all of the appropriate documentation listed above must be mailed to the NFIP Servicing Agent, P.O. Box 2965, Shawnee Mission, KS 66201-1365. If the building is insurable, the Servicing Agent will deliver a written rate and the applicable ICC premium to the producer. Since a rate must be determined on these risks, no premium is to accompany the submission. Coverage will be effective 30 days after the receipt of the premium at the NFIP, with the following two exceptions: • If the coverage is in conjunction with the making, increasing, extending, or renewing of a loan, the effective date is on the day and time of the loan closing, provided that the policy is applied for and the presentment of premium is made at or prior to the loan closing. • If the new policy is being obtained as a result of a revision to a community’s flood map, during the 13-month period beginning on the effective date of the map revision, the effective date shall be 12:01 a.m., local time, following the day after the presentment of premium. For the NFIP direct business, the presentment of premium is the same as the receipt date of the full premium at the NFIP Servicing Agent. Submit-for-Rate quotations, excluding the ICC premium, Federal Policy Fee, and Probation Surcharge, if applicable, are valid for 90 days. After 90 days, the Flood Insurance Application and supporting documentation must be resubmitted for another determination of the rating. G. Crawl Space A building with a “crawl space” (under-floor space) has its interior floor area (finished or not) no more than 5 feet below the top of the next higher floor. If a crawl space is below grade on all sides, and the elevation of the crawl space floor is below the Base Flood Elevation (BFE), the crawl space must be rated according to the guidelines found on pages LFG 24-25. For the purpose of completing the Flood Insurance Application, the building must be described as a “non-elevated building with basement.” NFIP rules and regulations specify that a crawl space with its interior floor below grade on all sides is considered a “basement”; therefore, the Standard Flood Insurance Policy basement coverage limitations apply to such crawl spaces. A building with a crawl space that is not subgrade must be described as an elevated building. Pre-FIRM buildings with subgrade crawl spaces that are below the BFE may use optional Post-FIRM elevation rating. Follow the Submit-for-Rate procedures when using this optional rating. RATE 24 October 1, 2006 • Be floodproofed to an elevation of 4 feet above HAG (1 foot above the community's minimum standard of 3 feet above HAG). • The floodproofing must be certified by a registered professional engineer or architect on the Floodproofing Certificate or by a responsible local official in a letter containing the same information requested on the Floodproofing Certificate. • The certification, certificate, or letter must accompany the NFIP Flood Insurance Application. In order to be eligible for lower rates, the insured must have a registered professional engineer or architect certify that the floodproofing conforms to 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 or flood depth, it can then be treated for rating purposes as having a "0" elevation difference from the BFE. This certification must be submitted with the Application for flood insurance. 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. XVIII. THE V-ZONE RISK FACTOR RATING FORM A. Use In conjunction with Table 10 (V-Zone Risk Rating Relativities Table), this optional form (see page RATE 33) may be used to evaluate the coastal risk when it is believed that the design, placement, and/or construction of a building is such that the usual criteria used to establish actuarially appropriate rates do not reflect the lessened risk of a particular structure. The form may be used to either: • Establish a rate prior to issuing a new policy, or • Appeal the rate charged on an existing policy. Submit the V-Zone Risk Factor Rating Form for review, along with a copy of the site grading and structural plans, the Elevation Certificate (EC), and photographs. See pages CERT 1-2 of this manual for photo requirements pertaining to the new EC, which becomes mandatory for use effective January 1, 2007. B. Submission The completed form should be submitted to the NFIP Bureau and Statistical Agent, Underwriting Department, P.O. Box 310, Lanham, MD 20703. Confirmation of the relativity and established rate will be returned to the submitting producer, engineer, and builder/applicant in approximately 30 business days. TABLE 10. V-ZONE RISK RATING RELATIVITIES TABLE Building No Obstruction Rates With Obstruction Rates Point Total1 Replacement Cost Ratio .75 or More Replacement Cost Ratio .50 to .74 Replacement Cost Ratio Under .50 Replacement Cost Ratio .75 or More Replacement Cost Ratio .50 to .74 Replacement Cost Ratio Under .50 Less than 225 1.200 1.200 1.200 1.150 1.150 1.150 225 – 275 1.100 1.100 1.100 1.050 1.050 1.100 276 – 325 1.000 1.000 1.000 0.950 0.950 1.000 326 – 375 0.900 0.950 1.000 0.950 0.975 1.000 376 – 425 0.800 0.850 0.900 0.875 0.925 0.950 426 – 475 0.700 0.750 0.800 0.800 0.850 0.900 476 – 525 0.600 0.650 0.700 0.725 0.775 0.825 526 – 575 0.500 0.575 0.650 0.650 0.700 0.750 576 – 625 0.400 0.500 0.600 0.600 0.650 0.700 1Subtract from your Building Point Total all points assigned for Item I. LOWEST FLOOR ELEVATION and Item IV.A.1. Free of Obstruction because these factors are included in the rate prior to application of any V-Zone Risk Factor Rating Credit. The NFIP V-Zone Risk Factor Rating Form does not appear in this revision, pending OMB approval of a new expiration date. 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 Base Flood Elevation (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 unfinished enclosed space is used for other than building access (stairwells, elevators, etc.), parking, or storage; or • The unfinished 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. 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). Pre-FIRM buildings with subgrade crawl spaces that are below the BFE may use optional Post-FIRM elevation rating. Follow the Submit-for-Rate procedures. 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 unfinished 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 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 3 October 1, 2006 III. SPECIFIC BUILDING DRAWINGS Table of Contents SECTION PAGE Elevated Buildings for Pre- and Post-FIRM Risks in Flood Zones B, C, X, A99, and D................................................................................LFG 9 - LFG 11 Non-Elevated Buildings for Pre- and Post-FIRM Risks in Flood Zones B, C, X, A99, and D................................................................................LFG 12 - LFG 13 Elevated Buildings for Pre- and Post-FIRM Risks in Flood Zones A, AO, and AH .......................................................................................LFG 14 - LFG 18 Non-Elevated Buildings for Pre- and Post-FIRM Risks in Flood Zones A, AO, and AH .......................................................................................LFG 19 - LFG 21 Non-Elevated Buildings for Pre- and Post-FIRM Risks in Flood Zones AE and A1-A30 ...................................................................................................LFG 22 - LFG 27 Elevated Buildings for Pre- and Post-FIRM Risks in Flood Zones AE and A1-A30 .............................................................................................................LFG 28 - LFG 38 Non-Elevated Buildings for Pre- and Post-FIRM Risks with Construction Dates of 1975 to September 30, 1981, in Flood Zones VE and V1-V30 ...................................................................................................LFG 39 - LFG 42 Elevated Buildings for Pre- and Post-FIRM Risks with Construction Dates of 1975 to September 30, 1981, in Flood Zones VE and V1-V30 ...................................................................................................LFG 43 - LFG 51 Elevated Buildings for Post-FIRM Risks in Flood Zones VE and V1-V30, Construction Date October 1, 1981, and After...............................................LFG 52 - LFG 59 LFG 9 October 1, 2006 ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES B, C, X, A99, AND D 1 4 LF.Lowest Floor HAG.Highest Adjacent Grade 2 5 BFE.Base Flood Elevation See page LFG 2 for optional elevation rating 3 6 See page LFG 1 for explanation of proper openings Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. Building Description One floor and unfinished enclosed area Elevating Foundation of Building Piers, posts, piles, or columns Type of Enclosure Designed with proper openings3 Machinery or Equipment Servicing Building With or without machinery or equipment Lowest Floor for Rating No Elevation Certificate Required Application Should Show Building Type. One floor Is Building Elevated?. Yes Is area below the elevated floor enclosed?. No Pre-FIRM Rating Use Pre-FIRM rate table no basement/enclosure category. Post-FIRM Rating Use Post-FIRM rate table no basement/enclosure category. LFG 10 October 1, 2006 ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES B, C, X, A99, AND D 1 4 LF.Lowest Floor HAG.Highest Adjacent Grade 2 5 BFE.Base Flood Elevation See page LFG 2 for optional elevation rating 3 6 See page LFG 1 for explanation of proper openings Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. Building Description Two floors and unfinished enclosed area Elevating Foundation of Building Solid perimeter load-bearing walls. No openings Type of Enclosure Unfinished crawl space and garage Machinery or Equipment Servicing Building With or without machinery or equipment Lowest Floor for Rating No Elevation Certificate Required Application Should Show Building Type. Three or more floors Is Building Elevated?. Yes Is area below the elevated floor enclosed?. Yes Pre-FIRM Rating Use Pre-FIRM rate table with enclosure category. Post-FIRM Rating Use Post-FIRM rate table with basement/enclosure category. LFG 11 October 1, 2006 ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES B, C, X, A99, AND D 1 4 LF. Lowest Floor HAG.Highest Adjacent Grade 2 5 BFE.Base Flood Elevation See page LFG 2 for optional elevation rating 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. Building Description One floor and finished or unfinished enclosed area Elevating Foundation of Building Piers, posts, piles, or columns Type of Enclosure Nonload-bearing walls No proper openings3 Machinery or Equipment Servicing Building With or without machinery or equipment Lowest Floor for Rating No Elevation Certificate Required Application Should Show Building Type. Two floors Is Building Elevated?. Yes Is area below the elevated floor enclosed?. Yes Pre-FIRM Rating Use Pre-FIRM rate table with enclosure category. Post-FIRM Rating Use Post-FIRM rate table with basement/enclosure category. LFG 12 October 1, 2006 NON-ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES B, C, X, A99, AND D 1 4 LF.Lowest Floor HAG.Highest Adjacent Grade 2 5 BFE.Base Flood Elevation See page LFG 2 for optional elevation rating 36 See page LFG 1 for explanation of proper openings Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page Building Description One floor on slab Machinery or Equipment Servicing Building N/A Lowest Floor for Rating No Elevation Certificate Required Application Should Show Building Type. One floor Basement. None Is Building Elevated? . No Pre-FIRM Rating Use Pre-FIRM rate table no basement/enclosure category. Post-FIRM Rating Use Post-FIRM rate table no basement/enclosure category. LFG 13 October 1, 2006 NON-ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES B, C, X, A99, AND D 1 4 LF.Lowest Floor HAG.Highest Adjacent Grade 2 5 BFE.Base Flood Elevation See page LFG 2 for optional elevation rating 36 See page LFG 1 for explanation of proper openings Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. Building Description One floor with finished or unfinished basement Machinery or Equipment Servicing Building With or without machinery or equipment in basement Lowest Floor for Rating No Elevation Certificate Required Application Should Show Building Type.Two floors Basement.Finished or unfinished Is Building Elevated?.No Pre-FIRM Rating Use Pre-FIRM rate table with basement category. Post-FIRM Rating Use Post-FIRM rate table with basement/enclosure category. ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES A, AO, AND AH 1 4 LF.Lowest Floor HAG.Highest Adjacent Grade 2 5 BFE.Base Flood Elevation See page LFG 2 for optional elevation rating 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description One floor without enclosed area (See Elevation Certificate, Diagram 5) Elevating Foundation of Building Piers, posts, piles, or columns Type of Enclosure No enclosure Machinery or Equipment Servicing Building None Lowest Floor for Rating Top of lowest elevated floor Application Should Show Building Type— One floor Is Building Elevated?— Yes Is area below the elevated floor enclosed?— No Pre-FIRM Rating5 AO Zone: If difference between LF1 and HAG4 is equal to or greater than Base Flood Depth, use with certification rate. If not, use Pre-FIRM rate table no basement/enclosure category. AH Zone: If LF1 elevation is equal to or greater than BFE2, use with certification rate. If LF1 elevation is less than BFE2, use Pre-FIRM rate table . A Zone with estimated BFE2: If LF1 elevation is equal to or greater than the estimated BFE2, use Post-FIRM rate table with the estimated base flood elevation category. If LF1 elevation is less than BFE2, use Pre-FIRM rate table no basement/enclosure category. A Zone without estimated BFE2: If difference between the LF1 and HAG4 is 2 ft. or more, use Post-FIRM no estimated base flood elevation rate table. If the difference is 1 ft. or less, use Pre-FIRM rate table no basement/enclosure category. Post-FIRM Rating AO Zone: If difference between LF1 and HAG4 is equal to or greater than Base Flood Depth, use with certification rate. If not, use without certification rate. AH Zone: If LF1 elevation is greater than or equal to BFE2, use with certification rate. If not, use without certification rate. A Zone with estimated BFE2: Use Post-FIRM rate table with the estimated base flood elevation category. If LF1 elevation is 2 or more feet below the estimated BFE2, submit the application to the NFIP for a rate. A Zone without estimated BFE2: If difference between the LF1 and HAG4 is 1 ft. or more, use Post-FIRM rate table no estimated base flood elevation category. If difference is 0 or less, submit the application to the NFIP for a rate. LFG 14 October 1, 2006 LFG 15 October 1, 2006 ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES A, AO, AND AH 1 LF.Lowest Floor 4 HAG.Highest Adjacent Grade 2 BFE.Base Flood Elevation 5 See page LFG 2 for optional elevation rating 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description One floor and unfinished enclosed area (See Elevation Certificate, Diagram 6) Elevating Foundation of Building Piers, posts, piles, or columns Type of Enclosure Designed with proper openings3 Machinery or Equipment Servicing Building With or without machinery or equipment Lowest Floor for Rating Top of next higher floor Application Should Show Building Type— One floor Is Building Elevated?— Yes Is area below the elevated floor enclosed?— No Pre-FIRM Rating5 AO Zone: If difference between LF1 and HAG4 is equal to or greater than Base Flood Depth, use with certification rate. If not, use Pre-FIRM rate table no basement/enclosure category. AH Zone: If LF1 elevation is equal to or greater than BFE2, use with certification rate. If LF1 elevation is less than BFE2, use Pre-FIRM rate table A Zone with estimated BFE2: If LF1 elevation is equal to or greater than the estimated BFE2, use Post-FIRM rate table with the estimated base flood elevation category. If LF1 elevation is less than BFE2, use Pre-FIRM rate table no basement/enclosure category. A Zone without estimated BFE2: If difference between the LF1 and HAG4 is 2 ft. or more, use Post-FIRM no estimated base flood elevation rate table. If the difference is 1 ft. or less, use Pre-FIRM rate table no basement/enclosure category. Post-FIRM Rating AO Zone: If difference between LF1 and HAG4 is equal to or greater than Base Flood Depth, use with certification rate. If not, use without certification rate. AH Zone: If LF1 elevation is greater than or equal to BFE2, use with certification rate. If not, use without certification rate. A Zone with estimated BFE2: Use Post-FIRM rate table with the estimated base flood elevation category. If LF1 elevation is 2 or more feet below the estimated BFE2, submit the application to the NFIP for a rate. A Zone without estimated BFE2: If difference between the LF1 and HAG4 is 1 ft. or more, use Post-FIRM rate table no estimated base flood elevation category. If the difference is 0 or less, submit the application to the NFIP for a rate. ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES A, AO, AND AH 1 2 3 LF.Lowest Floor BFE.Base Flood Elevation See page LFG 1 for explanation of proper openings 4 HAG.Highest Adjacent Grade 5 See page LFG 2 for optional elevation rating 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description Two floors and unfinished enclosed area Elevating Foundation of Building Solid load-bearing walls. No openings Type of Enclosure Unfinished crawl space and garage Machinery or Equipment Servicing Building With or without machinery or equipment Lowest Floor for Rating Top of bottom floor (lower of crawl space or garage) Application Should Show Building Type. Three or more floors Is Building Elevated?. Yes Is area below the elevated floor enclosed?. Yes Pre-FIRM Rating AO Zone: Use Pre-FIRM rate table with enclosure category. AH Zone: Use Pre-FIRM rate table with enclosure category. A Zone: Use Pre-FIRM rate table with enclosure category. Post-FIRM Rating Submit the application to the NFIP for a rate. LFG 16 October 1, 2006 LFG 17 October 1, 2006 ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES A, AO, AND AH 1 4 LF.Lowest Floor HAG.Highest Adjacent Grade 2 5 BFE.Base Flood Elevation See page LFG 2 for optional elevation rating 3 6 See page LFG 1 for explanation of proper openings Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description One floor and finished or unfinished enclosed area (See Elevation Certificate, Diagram 6) Elevating Foundation of Building Piers, posts, piles, or columns Type of Enclosure Nonload-bearing walls No openings3 Machinery or Equipment Servicing Building With or without machinery or equipment Lowest Floor for Rating Top of bottom floor (including basement or enclosure) Application Should Show Building Type— Two floors Is Building Elevated?— Yes Is area below the elevated floor enclosed?— Yes Pre-FIRM Rating AO Zone: Use Pre-FIRM rate table with enclosure category. AH Zone: Use Pre FIRM rate table with enclosure category. A Zone: Use Pre-FIRM rate table with enclosure category. Post-FIRM Rating Submit the application to the NFIP for a rate. ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES A, AO, AND AH 1 4 LF.Lowest Floor HAG.Highest Adjacent Grade 2 5 BFE.Base Flood Elevation See page LFG 2 for optional elevation rating 3 6 See page LFG 1 for explanation of proper openings Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description Mobile home without enclosed area Elevating Foundation of Building Piers, posts, piles, or columns Type of Enclosure Vinyl skirting Machinery or Equipment Servicing Building With or without machinery or equipment below elevated floor Lowest Floor for Rating Top of lowest elevated floor Application Should Show Building Type. Mobile home Is Building Elevated?. Yes Is area below the elevated floor enclosed?. No Pre-FIRM Rating5 AO Zone: If difference between LF1 and HAG4 is equal to or greater than Base Flood Depth, use with certification rate. If not, use Pre-FIRM rate table no basement/enclosure category. AH Zone: If LF1 elevation is equal to or greater than BFE2, use with certification rate. If LF1 elevation is less than BFE2, use Pre-FIRM rate table . A Zone with estimated BFE2: If LF1 elevation is equal to or greater than the estimated BFE2, use Post-FIRM rate table with the estimated base flood elevation category. If LF1 elevation is less than BFE2, use Pre-FIRM rate table no basement/enclosure category. A Zone without estimated BFE2: If difference between the LF1 and HAG4 is 2 ft. or more, use Post-FIRM no estimated base flood elevation rate table. If the difference is 1 ft. or less, use Pre-FIRM rate table no basement/enclosure category. Post-FIRM Rating AO Zone: If difference between LF1 and HAG4 is equal to or greater than Base Flood Depth, use with certification rate. If not, use without certification rate. AH Zone: If LF1 elevation is greater than or equal to BFE2, use with certification rate. If not, use without certification rate. A Zone with estimated BFE2: Use Post-FIRM rate table with the estimated base flood elevation category. If LF1 elevation is 2 or more feet below the estimated BFE2, submit the application to the NFIP for a rate. A Zone without estimated BFE2: If difference between the LF1 and HAG4 is 1 ft. or more, use Post-FIRM rate table no estimated base flood elevation category. If difference is 0 or less, submit the application to the NFIP for a rate. LFG 18 October 1, 2006 LFG 19 October 1, 2006 NON-ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES A, AO, AND AH 1 4 LF.Lowest Floor HAG.Highest Adjacent Grade 2 5 BFE.Base Flood Elevation See page LFG 2 for optional elevation rating 3 6 See page LFG 1 for explanation of proper openings Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description One floor and finished or unfinished basement (See Elevation Certificate, Diagram 2) Machinery or Equipment Servicing Building With or without machinery or equipment in the basement Lowest Floor for Rating Top of bottom floor (including basement or enclosure) Application Should Show Building Type— Two floors Basement— Finished or unfinished Is Building Elevated?— No Pre-FIRM Rating AO Zone: Use Pre-FIRM rate table with basement category. AH Zone: Use Pre-FIRM rate table with basement category. A Zone: Use Pre-FIRM rate table with basement category. Post-FIRM Rating Submit the application to the NFIP for a rate. NON-ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES A, AO, AND AH 1 LF.Lowest Floor 4 HAG.Highest Adjacent Grade 2 BFE.Base Flood Elevation 5 See page LFG 2 for optional elevation rating 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description One floor on slab (See Elevation Certificate, Diagram 1) Machinery or Equipment Servicing Building N/A Lowest Floor for Rating Top of bottom floor Application Should Show Building Type— One floor Basement— None Is Building Elevated?— No Pre-FIRM Rating5 AO Zone: If difference between LF1 and HAG4 is equal to or greater than Base Flood Depth, use with certification rate. If not, use Pre-FIRM rate table; no basement/enclosure category. AH Zone: If LF1 elevation is equal to or greater than BFE2, use with certification rate. If LF1 elevation is less than BFE2, use Pre-FIRM rate table. A Zone with estimated BFE2: If LF1 elevation is equal to or greater than the estimated BFE2, use Post-FIRM rate table with the estimated base flood elevation category. If LF1 elevation is less than BFE2, use Pre-FIRM rate table no basement/enclosure category. A Zone without estimated BFE2: If difference between the LF1 and HAG4 is 2 ft. or more, use Post-FIRM no estimated base flood elevation rate table. If the difference is 1 ft. or less, use Pre-FIRM rate table no basement/enclosure category. Post-FIRM Rating AO Zone: If difference between LF1 and HAG4 is equal to or greater than Base Flood Depth, use with certification rate. If not, use without certification rate. AH Zone: If LF1 elevation is greater than or equal to BFE2, use with certification rate. If not, use without certification rate. A Zone with estimated BFE2: Use Post-FIRM rate table with the estimated base flood elevation category. If LF1 elevation is 2 or more feet below the estimated BFE2, submit the application to the NFIP for a rate. A Zone without estimated BFE2: If difference between the LF1 and HAG4 is 1 ft. or more, use Post-FIRM rate table no estimated base flood elevation category. If difference is 0 or less, submit the application to the NFIP for a rate. LFG 20 October 1, 2006 LFG 21 October 1, 2006 NON-ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES A, AO, AND AH 1 4 LF.Lowest Floor HAG.Highest Adjacent Grade 25 BFE.Base Flood Elevation See page LFG 2 for optional elevation rating 36 See page LFG 1 for explanation of proper openings Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description Two floors with enclosed garage on slab (See Elevation Certificate, Diagram 1) Machinery or Equipment Servicing Building Machinery or equipment in garage. Lowest Floor for Rating Top of finished floor if the garage is used for parking vehicle and storage and the machinery/equipment is at or above the BFE, or if the machinery/equipment is below the BFE and the garage is properly vented. Application Should Show Building Type—Two floors Basement—None Is Building Elevated?—No Pre-FIRM Rating5 AO Zone: If difference between LF1 AND HAG4 is equal to or greater than Base Flood Depth, use with certification rate. If not, use Pre-FIRM rate table; no basement/enclosure category. AH Zone: If LF1 elevation is equal to or greater than BFE2, use with certification rate. If LF1 elevation is less than BFE2, use Pre-FIRM rate table. A Zone with estimated BFE2: If LF1 elevation is equal to or greater than the estimated BFE2, use Post-FIRM rate table with the estimated base flood elevation category. If LF1 elevation is less than BFE2, use Pre-FIRM rate table no basement/enclosure category. A Zone without estimated BFE2: If difference between the LF1 and HAG4 is 2 ft. or more, use Post-FIRM no estimated base flood elevation rate table. If the difference is 1 ft. or less, use Pre-FIRM rate table no basement/enclosure category. Post-FIRM Rating AO Zone: If difference between LF1 and HAG4 is equal to or greater than Base Flood Depth, use with certification rate. If not, use without certification rate. AH Zone: If LF1 elevation is greater than or equal to BFE2, use with certification rate. If not, use without certification rate. A Zone with estimated BFE2: Use Post-FIRM rate table with the estimated base flood elevation category. If LF1 elevation is 2 or more feet below the estimated BFE2, submit the application to the NFIP for a rate. A Zone without estimated BFE2: If difference between the LF1 and HAG4 is 1 ft. or more, use Post-FIRM rate table no estimated base flood elevation category. If difference is 0 or less, submit the application to the NFIP for a rate. NON-ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30 1 LF. Lowest Floor 4 HAG.Highest Adjacent Grade 2 BFE.Base Flood Elevation 5 See page LFG 2 for optional elevation rating 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description One floor on slab (See Elevation Certificate, Diagram 1) Machinery or Equipment Servicing Building N/A Lowest Floor for Rating Top of bottom floor Application Should Show Building Type—One floor Basement—None Is Building Elevated?—No Pre-FIRM Rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate table no basement/enclosure category. If LF1 elevation is less than BFE2, use Pre-FIRM rate table no basement/enclosure category. Post-FIRM Rating Use Post-FIRM rate table no basement/enclosure category. If LF1 elevation is 2 or more feet below the BFE2, submit the application to the NFIP for a rate. LFG 22 October 1, 2006 LFG 23 October 1, 2006 NON-ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30 1 4 LF.Lowest Floor HAG.Highest Adjacent Grade 25 BFE.Base Flood Elevation See page LFG 2 for optional elevation rating 36 See page LFG 1 for explanation of proper openings Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description Two floors on slab with attached garage (See Elevation Certificate, Diagram 1) Machinery or Equipment Servicing Building Machinery or equipment in garage Lowest Floor for Rating Top of finished floor if the garage is used for parking vehicle and storage and the machinery/equipment is at or above the BFE, or if the M/E is below the BFE and the garage is properly vented. Application Should Show Building Type— Two floors Basement— None Is Building Elevated?— No Pre-FIRM Rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate table no basement/enclosure category. If LF1 elevation is less than BFE2, use Pre-FIRM rate table no basement/enclosure category. Post-FIRM Rating Use Post-FIRM rate table no basement/enclosure category. If LF1 elevation is 2 or more feet below the BFE2, submit the application to the NFIP for a rate. LFG 24 October 1, 2006 NON-ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30 1 LF.Lowest Floor 4 HAG.Highest Adjacent Grade 2 BFE.Base Flood Elevation 5 See page LFG 2 for optional elevation rating 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description Two floors and unfinished basement/subgrade crawl space. Basement/subgrade crawl space floor is no more than 2 feet below grade, and the distance between the basement/subgrade crawl space floor and the top of the next higher floor is no more than 5 feet. Machinery or Equipment Servicing Building With or without machinery or equipment Lowest Floor for Rating Basement/subgrade crawl space Application Should Show Building Type. Three or more floors Is Building Elevated?. No Basement— Unfinished Pre-FIRM Rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate table with basement/enclosure category. If LF1 elevation is less than BFE2, use Pre-FIRM rate table with basement category. Pre-FIRM buildings with subgrade crawl space(s) may use optional Post-FIRM elevation rating provided that the lowest floor is below the Base Flood Elevation (BFE). The building must be reported statistically as a Submit-for-Rate using Risk Rating Method “2.” Follow the procedures from the Specific Rating Guidelines for policy processing. Post-FIRM Rating Use Post-FIRM rate table with basement/enclosure category. If LF1 elevation is 1 or more feet below the BFE2, submit the application to the NFIP for a rate. See "G. Crawl Space" on page RATE 24. LFG 25 October 1, 2006 NON-ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30 1 LF.Lowest Floor 4 HAG.Highest Adjacent Grade 2 BFE.Base Flood Elevation 5 See page LFG 2 for optional elevation rating 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description Two floors and unfinished basement/subgrade crawl space. Basement/subgrade crawl space floor is subgrade more than 2 feet, or subgrade no more than 2 feet, but the distance between the basement/subgrade crawl space floor and the top of the next higher floor is more than 5 feet. Machinery or Equipment Servicing Building With or without machinery or equipment Lowest Floor for Rating Basement/subgrade crawl space Application Should Show Building Type. Three or more floors Is Building Elevated?. No Basement— Unfinished Pre-FIRM Rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate table with basement/enclosure category. If LF1 elevation is less than BFE2, use Pre-FIRM rate table with basement category. Pre-FIRM buildings with subgrade crawl space(s) may use optional Post-FIRM elevation rating provided that the lowest floor is below the Base Flood Elevation (BFE). The building must be reported statistically as a Submit-for-Rate using Risk Rating Method “2.” Follow the procedures from the Specific Rating Guidelines for policy processing. Post-FIRM Rating Use Post-FIRM rate table with basement/enclosure category. If LF1 elevation is 2 or more feet below the BFE2, submit the application to the NFIP for a rate. LFG 26 October 1, 2006 NON-ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30 1 LF.Lowest Floor 4 HAG.Highest Adjacent Grade 2 BFE.Base Flood Elevation 5 See page LFG 2 for optional elevation rating 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description One floor with attached garage Garage is at lower elevation than principal building area (See Elevation Certificate, Diagram 1) Machinery or Equipment Servicing Building Machinery or equipment in garage Lowest Floor for Rating Top of slab of principal building area only if the garage is used for parking vehicle and storage and the machinery/equipment is at or above the BFE, or if the M/E is below the BFE and the garage is properly vented. Application Should Show Building Type— One floor Basement— None Is Building Elevated?— No Pre-FIRM Rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate table no basement/enclosure category. If LF1 elevation is less than BFE2, use Pre-FIRM rate table no basement/enclosure category. Post-FIRM Rating Use Post-FIRM rate table no basement/enclosure category. If LF1 elevation is 2 or more feet below the BFE2, submit the application to the NFIP for a rate. LFG 27 October 1, 2006 NON-ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30 1 LF.Lowest Floor 4 HAG.Highest Adjacent Grade 2 BFE.Base Flood Elevation 5 See page LFG 2 for optional elevation rating 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description Split level with unfinished or finished basement (See Elevation Certificate, Diagram 4) Machinery or Equipment Servicing Building With or without machinery or equipment in basement Lowest Floor for Rating Top of bottom floor (including basement) Application Should Show Building Type— Split level Basement— Finished or unfinished Is Building Elevated?— No Pre-FIRM Rating5 If LF1 elevation is equal to or greater than the BFE, use Post-FIRM rate table with basement/enclosure category. If LF1 elevation is less than BFE2, use Pre-FIRM rate table with basement category. Post-FIRM Rating Use Post-FIRM rate table with basement/enclosure category. If LF1 elevation is 2 or more feet below the BFE2, submit the application to the NFIP for a rate. LFG 28 October 1, 2006 ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30 1 LF.Lowest Floor 4 HAG.Highest Adjacent Grade 2 BFE.Base Flood Elevation 5 See page LFG 2 for optional elevation rating 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description Two floors with walkout at ground level Lower floor is not below grade on all sides Principal use of the building is on the elevated floor (See Elevation Certificate, Diagram 7) Elevating Foundation of Building Solid perimeter walls Type of Enclosure Load-bearing walls No openings Finished or unfinished lower level Machinery or Equipment Servicing Building With or without machinery or equipment at ground level Lowest Floor for Rating Top of bottom floor (enclosure) Application Should Show Building Type — Two floors Is Building Elevated? — Yes Is area below the elevated floor enclosed? — Yes Pre-FIRM Rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate table with basement/enclosure category. If LF1 elevation is less than BFE2, use Pre-FIRM rate table with enclosure category. Post-FIRM Rating Use Post-FIRM rate table with basement/enclosure category. If LF1 elevation is 1 or more feet below the BFE2, submit the application to the NFIP for a rate. LFG 29 October 1, 2006 ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30 1 4 LF. Lowest Floor HAG.Highest Adjacent Grade 25 BFE.Base Flood Elevation See page LFG 2 for optional elevation rating 36 See page LFG 1 for explanation of proper openings Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description One floor without enclosed area (See Elevation Certificate, Diagram 5) Elevating Foundation of Building Piers, posts, piles, or columns Type of Enclosure No enclosure Machinery or Equipment Servicing Building With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating Top of lowest elevated floor Application Should Show Building Type— One floor Is Building Elevated?— Yes Is area below the elevated floor enclosed?— No Pre-FIRM Rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate table no basement/enclosure category. If LF1 elevation is less than BFE2, use Pre-FIRM rate table no basement/enclosure category. Post-FIRM Rating Use Post-FIRM rate table no basement/enclosure category. If LF1 elevation is 2 or more feet below the BFE2, submit the application to the NFIP for a rate. ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30 1 LF.Lowest Floor 4 HAG.Highest Adjacent Grade 2 BFE.Base Flood Elevation 5 See page LFG 2 for optional elevation rating 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description One floor and unfinished enclosed area (See Elevation Certificate, Diagram 6) Elevating Foundation of Building Piers, posts, piles, or columns Type of Enclosure Designed with proper openings3 Machinery or Equipment Servicing Building With or without machinery or equipment Lowest Floor for Rating Top of the next higher floor (elevated floor) Application Should Show Building Type— One floor Is Building Elevated?— Yes Is area below the elevated floor enclosed?— No Pre-FIRM Rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate table no basement/enclosure category. If LF1 elevation is less than BFE2, use Pre-FIRM rate table no basement/enclosure category. Post-FIRM Rating Use Post-FIRM rate table no basement/enclosure category. If LF1 elevation is 2 or more feet below the BFE2, submit the application to the NFIP for a rate. LFG 30 October 1, 2006 LFG 31 October 1, 2006 ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30 1 LF.Lowest Floor 4 HAG.Highest Adjacent Grade 2 BFE.Base Flood Elevation 5 See page LFG 2 for optional elevation rating 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. Building Description Two floors and unfinished enclosed area Elevating Foundation of Building Solid load-bearing walls. No openings Type of Enclosure Unfinished crawl space. Enclosed garage at lower level than crawl space; garage above lowest adjacent grade Machinery or Equipment Servicing Building With or without machinery or equipment Lowest Floor for Rating Top of bottom floor (garage) Application Should Show Building Type. Three or more floors Is Building Elevated?. Yes Is area below the elevated floor enclosed?. Yes Pre-FIRM Rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate table with basement/enclosure category. If LF1 elevation is less than the BFE2, use Pre-FIRM rate table with enclosure category. Post-FIRM Rating Use Post-FIRM rate table with basement/enclosure category. If LF1 elevation is 1 or more feet below the BFE2, submit the application to the NFIP for a rate. LFG 32 October 1, 2006 ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30 1 4 LF. Lowest Floor HAG.Highest Adjacent Grade 2 5 BFE.Base Flood Elevation See page LFG 2 for optional elevation rating 3 6 See page LFG 1 for explanation of proper openings Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description One floor and finished or unfinished enclosed area (See Elevation Certificate, Diagram 6) Elevating Foundation of Building Piers, posts, piles, or columns Type of Enclosure Nonload-bearing walls No openings3 Machinery or Equipment Servicing Building With or without machinery or equipment Lowest Floor for Rating Top of bottom floor (including basement or enclosure) Application Should Show Building Type— Two floors Is Building Elevated?— Yes Is area below the elevated floor enclosed?—Yes Pre-FIRM Rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate table with basement/enclosure category. If LF1 elevation is less than BFE2, use Pre-FIRM rate table with enclosure category. Post-FIRM Rating Use Post-FIRM rate table with basement/enclosure category. If LF1 elevation is 1 or more feet below the BFE2, submit the application to the NFIP for a rate. LFG 33 October 1, 2006 ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30 1 4 LF.Lowest Floor HAG.Highest Adjacent Grade 25 BFE.Base Flood Elevation See page LFG 2 for optional elevation rating 36 See page LFG 1 for explanation of proper openings Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description One floor and unfinished enclosed area (See Elevation Certificate, Diagram 7) Elevating Foundation of Building Solid perimeter load-bearing walls Type of Enclosure Unfinished enclosure No proper openings3 Machinery or Equipment Servicing Building With or without machinery or equipment Lowest Floor for Rating Top of bottom floor (including basement or enclosure) Application Should Show Building Type— Two floors Is Building Elevated?— Yes Is area below the elevated floor enclosed?— Yes Pre-FIRM Rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate table with basement/enclosure category. If LF1 elevation is less than BFE2, use Pre-FIRM rate table with enclosure category. Post-FIRM Rating Use Post-FIRM rate table with basement/enclosure category. If LF1 elevation is 1 or more feet below the BFE2, submit the application to the NFIP for a rate. LFG 34 October 1, 2006 ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30 1 4 LF.Lowest Floor HAG.Highest Adjacent Grade 25 BFE.Base Flood Elevation See page LFG 2 for optional elevation rating 36 See page LFG 1 for explanation of proper openings Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description Two floors with crawl space (See Elevation Certificate, Diagram 8) Elevating Foundation of Building Solid or partial perimeter walls Type of Enclosure Enclosed garage at same level as crawl space Unfinished crawl space without proper openings3 Floor of crawl space is at or above lowest adjacent grade Machinery or Equipment Servicing Building With or without machinery or equipment Lowest Floor for Rating Floor of crawl space and garage Application Should Show Building Type— Three or more floors Is Building Elevated?— Yes Is area below the elevated floor enclosed?— Yes Pre-FIRM Rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate table with basement/enclosure category. If LF1 elevation is less than BFE2, use Pre-FIRM rate table with enclosure category. Post-FIRM Rating Use Post-FIRM rate table with basement/enclosure category. If LF1 elevation is 1 or more feet below the BFE2, submit the application to the NFIP for a rate. ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30 1 LF.Lowest Floor 4 HAG.Highest Adjacent Grade 2 BFE.Base Flood Elevation 5 See page LFG 2 for optional elevation rating 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description Two floors with crawl space (See Elevation Certificate, Diagram 8) Elevating Foundation of Building Solid or partial perimeter walls Type of Enclosure Unfinished crawl space and garage designed with proper openings3 Floor of crawl space is at or above lowest adjacent grade Garage at same level as crawl space Machinery or Equipment Servicing Building Without machinery or equipment in crawl space Lowest Floor for Rating Top of next higher floor Application Should Show Building Type— Two floors Is Building Elevated?— Yes Is area below the elevated floor enclosed?— No Pre-FIRM Rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate table no basement/enclosure category. If LF1 elevation is less than BFE2, use Pre-FIRM rate table no basement/enclosure category. Post-FIRM Rating Use Post-FIRM rate table no basement/enclosure category. If LF1 elevation is 2 or more feet below the BFE2, submit the application to the NFIP for a rate. LFG 35 October 1, 2006 LFG 36 October 1, 2006 ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30 1 LF.Lowest Floor 4 HAG.Highest Adjacent Grade 2 BFE.Base Flood Elevation 5 See page LFG 2 for optional elevation rating 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description Two floors with crawl space (See Elevation Certificate, Diagram 8) Elevating Foundation of Building Solid or partial perimeter walls Type of Enclosure Unfinished crawl space designed with proper openings3 Floor of crawl space is at or above lowest adjacent grade Machinery or Equipment Servicing Building With or without machinery or equipment in crawl space Lowest Floor for Rating Top of next higher floor Application Should Show Building Type— Two floors Is Building Elevated?— Yes Is area below the elevated floor enclosed?— No Pre-FIRM Rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate table no basement/enclosure category. If LF1 elevation is less than BFE2, use Pre-FIRM rate table no basement/enclosure category. Post-FIRM Rating Use Post-FIRM rate table no basement/enclosure category. If LF1 elevation is 2 or more feet below the BFE2, submit the application to the NFIP for a rate. ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30 1 LF.Lowest Floor 4 HAG.Highest Adjacent Grade 2 BFE.Base Flood Elevation 5 See page LFG 2 for optional elevation rating 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description Two floors with crawl space (See Elevation Certificate, Diagram 8) Elevating Foundation of Building Solid or partial perimeter walls Type of Enclosure Unfinished crawl space without proper openings3 Floor of crawl space is at or above lowest adjacent grade Machinery or Equipment Servicing Building With or without machinery or equipment Lowest Floor for Rating Top of bottom floor (crawl space) Application Should Show Building Type— Three or more floors Is Building Elevated?— Yes Is area below the elevated floor enclosed?— Yes Pre-FIRM Rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate table with basement/enclosure category. If LF1 elevation is less than BFE2, use Pre-FIRM rate table with enclosure category. Post-FIRM Rating Use Post-FIRM rate table with basement/enclosure category. If LF1 elevation is 1 or more feet below the BFE2, submit the application to the NFIP for a rate. LFG 37 October 1, 2006 ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30 1 4 LF.Lowest Floor HAG.Highest Adjacent Grade 2 5 BFE.Base Flood Elevation See page LFG 2 for optional elevation rating 3 6 See page LFG 1 for explanation of proper openings Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description Mobile home without enclosed area Elevating Foundation of Building Piers, posts, piles, or columns Type of Enclosure Vinyl skirting Machinery or Equipment Servicing Building With or without machinery or equipment below elevated floor Lowest Floor for Rating Top of lowest elevated floor Application Should Show Building Type. Mobile home Is Building Elevated?. Yes Is area below the elevated floor enclosed?. No Pre-FIRM Rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate if favorable. Manufactured (Mobile) Home rates must be used. If LF1 elevation is less than BFE2, use Pre-FIRM rate table no basement/enclosure category. Post-FIRM Rating Use Post-FIRM Manufactured (Mobile) Home rates. If LF1 elevation is 1 or more feet below the BFE2, submit the application to the NFIP for a rate. LFG 38 October 1, 2006 LFG 39 October 1, 2006 NON-ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1-V306 1 LF.Lowest Floor 4 HAG.Highest Adjacent Grade 2 BFE.Base Flood Elevation 5 See page LFG 2 for optional elevation rating 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description One floor No basement (See Elevation Certificate, Diagram 1) Lowest Floor for Rating Bottom of slab In V zones, the lowest floor for rating should reflect the bottom of the lowest horizontal structural member. If the surveyor used item C2.a in lieu of C2.c of the Elevation Certificate, and the top of the bottom floor is at or above grade, deduct (for 1-4 family residences) 12 inches from the elevation figure found in item C2.a. For buildings other than 1-4 family, deduct 18 inches from the elevation figure found in item C2.a. Application Should Show Building Type— One floor Basement— None Is Building Elevated?— No Pre-FIRM Rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate if favorable. Use no basement/enclosure rate category. If LF1 elevation is less than the BFE2, use Pre-FIRM rate table no basement/enclosure category. Post-FIRM Rating 1975 to September 30, 1981 Construction Date Use Post-FIRM ‘75-’81 VE, V1-V30 Zone no basement/enclosure rates. If LF1 elevation is 2 or more feet below the BFE2, submit the application to the NFIP for a rate. LFG 40 October 1, 2006 NON-ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1-V306 1 LF.Lowest Floor 4 HAG.Highest Adjacent Grade 2 BFE.Base Flood Elevation 5 See page LFG 2 for optional elevation rating 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description One floor with attached garage Garage is at lower elevation than principal building area (See Elevation Certificate, Diagram 1) Lowest Floor for Rating In V zones, the lowest floor for rating should reflect the bottom of the slab. If the surveyor used item C2. a or d (attached garage/top of slab) in lieu of C2.c of the Elevation Certificate, and the top of the bottom floor is at or above the lowest adjacent grade (C2.f), deduct (for 1-4 family residences) 12 inches from the elevation figure found in item C2. a or d, whichever is lower. For buildings other than 1-4 family, deduct 18 inches from the elevation figure found in item C2. a or d, whichever is lower. Application Should Show Building Type— One floor Basement— None Is Building Elevated?— No Pre-FIRM Rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate if favorable. Use no basement/enclosure rate category. If LF1 elevation is less than the BFE2, use Pre-FIRM rate table no basement/enclosure category. Post-FIRM Rating 1975 to September 30, 1981 Construction Date Use Post-FIRM ‘75-81 VE, V1-V30 Zone no basement/enclosure rates. If LF1 elevation is 2 or more feet below the BFE2, submit the application to the NFIP for a rate. LFG 41 October 1, 2006 NON-ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1-V306 1 LF.Lowest Floor 4 HAG.Highest Adjacent Grade 2 BFE.Base Flood Elevation 5 See page LFG 2 for optional elevation rating 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description Three floors Finished basement (See Elevation Certificate, Diagram 2) Lowest Floor for Rating Bottom of slab (basement) In V zones, the lowest floor for rating should reflect the bottom of the lowest horizontal structural member. If the surveyor used item C2.a in lieu of C2.c of the Elevation Certificate, and the top of the bottom floor is indicated in the Elevation Certificate, deduct (for 1-4 family residences) 12 inches from the elevation figure found in item C2.a. For buildings other than 1-4 family, deduct 18 inches from the elevation figure found in item C2.a. Application Should Show Building Type— Three or more floors Basement— Finished Is Building Elevated?— No Pre-FIRM Rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate if favorable. Use with basement/enclosure rate category. If LF1 elevation is less than the BFE2, use Pre-FIRM rate table with basement category. Post-FIRM Rating 1975 to September 30, 1981 Construction Date Use Post-FIRM ‘75-’81 VE, V1-V30 Zone with basement/enclosure rates. If LF1 elevation is 2 or more feet below the BFE2, submit the application to the NFIP for a rate. LFG 42 October 1, 2006 NON-ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1-V306 1 LF.Lowest Floor 4 HAG.Highest Adjacent Grade 2 BFE.Base Flood Elevation 5 See page LFG 2 for optional elevation rating 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description Split level Unfinished basement (See Elevation Certificate, Diagram 4) Lowest Floor for Rating Bottom of slab (basement) In V zones, the lowest floor for rating should reflect the bottom of the lowest horizontal structural member. If the surveyor used item C2.a in lieu of C2.c of the Elevation Certificate, and the top of the bottom floor is indicated in the Elevation Certificate, deduct (for 1-4 family residences) 12 inches from the elevation figure found in item C2.a. For buildings other than 1-4 family, deduct 18 inches from the elevation figure found in item C2.a. Application Should Show Building Type— Split level Basement— Unfinished Is Building Elevated?— No Pre-FIRM Rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate if favorable. Use with basement/enclosure rate category. If LF1 elevation is less than the BFE2, use Pre-FIRM rate table with basement category. Post-FIRM Rating 1975 to September 30, 1981 Construction Date Use Post-FIRM ‘75-’81 VE, V1-V30 Zone with basement/enclosure rates. If LF1 elevation is 2 or more feet below the BFE2, submit the application to the NFIP for a rate. LFG 43 October 1, 2006 ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1-V30 1 LF.Lowest Floor 4 HAG.Highest Adjacent Grade 2 BFE.Base Flood Elevation 5 See page LFG 2 for optional elevation rating 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description Two floors with walkout at ground level Lower floor is not below grade on all sides Principal use of the building is on the elevated floor (See Elevation Certificate, Diagram 7) Elevating Foundation of Building Solid perimeter walls Type of Enclosure Finished or unfinished lower level Machinery or Equipment Servicing Building With or without machinery or equipment below elevated floor Lowest Floor for Rating Bottom of slab In V zones, the lowest floor for rating should reflect the bottom of the lowest horizontal structural member. If the surveyor used item C2.a in lieu of C2.c of the Elevation Certificate, and the top of the bottom floor is at or above the lowest adjacent grade (C2.f), deduct (for 1-4 family residences) 12 inches from the elevation figure found in item C2.a. For buildings other than 1-4 family, deduct 18 inches from the elevation figure found in item C2.a. Application Should Show Building Type — Two floors Is Building Elevated? — Yes Is area below the elevated floor enclosed? — Yes Pre-FIRM Rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate if favorable. Use with basement/enclosure rate category. If LF1 elevation is less than BFE2, use Pre-FIRM rate table with enclosure category. Post-FIRM Rating Use Post-FIRM rate table with basement/enclosure category. If LF1 elevation is 1 or more feet below the BFE2, submit the application to the NFIP for a rate. LFG 44 October 1, 2006 ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1-V30 1 4 LF.Lowest Floor HAG.Highest Adjacent Grade 25 BFE.Base Flood Elevation See page LFG 2 for optional elevation rating 36 See page LFG 1 for explanation of proper openings Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description One floor without enclosed area (See Elevation Certificate, Diagram 5) Elevating Foundation of Building Piers, posts, piles, or columns Type of Enclosure The space below the lowest elevated floor either has no enclosure or has: (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. Machinery or Equipment Servicing Building With or without machinery or equipment below elevated floor Lowest Floor for Rating Bottom of lowest horizontal structural member Application Should Show Building Type— One floor Is Building Elevated?— Yes Is area below the elevated floor enclosed?— No Pre-FIRM Rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate if favorable. Use no basement/enclosure rate category. If LF1 elevation is less than BFE2, use Pre-FIRM rate table no basement/enclosure category. Post-FIRM Rating Use Post-FIRM ‘75-’81 VE, V1-V30 Zone no basement/enclosure rates. If LF1 elevation is 2 or more feet below the BFE2, submit the application to the NFIP for a rate. ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1-V30 1 4 LF.Lowest Floor HAG.Highest Adjacent Grade 2 5 BFE.Base Flood Elevation See page LFG 2 for optional elevation rating 3 6 See page LFG 1 for explanation of proper openings Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description Mobile home without enclosed area Elevating Foundation of Building Piers, posts, piles, or columns Type of Enclosure Vinyl skirting Machinery or Equipment Servicing Building With or without machinery or equipment below elevated floor Lowest Floor for Rating Bottom of lowest horizontal structural member Application Should Show Building Type. Mobile home Is Building Elevated?. Yes Is area below the elevated floor enclosed?. No Pre-FIRM Rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate if favorable. Manufactured (Mobile) Home rates must be used. If LF1 elevation is less than the BFE2, use Pre-FIRM rate table no basement/enclosure category. Post-FIRM Rating Use Post-FIRM ‘75-’81 VE, V1-V30 zone Manufactured (Mobile) Home rates. If LF1 elevation is 1 or more feet below the BFE2, submit the application to the NFIP for a rate. LFG 45 October 1, 2006 LFG 46 October 1, 2006 ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1-V30 1 4 LF.Lowest Floor HAG.Highest Adjacent Grade 25 BFE.Base Flood Elevation See page LFG 2 for optional elevation rating 36 See page LFG 1 for explanation of proper openings Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description One floor and unfinished enclosed area (See Elevation Certificate, Diagram 6) Elevating Foundation of Building Piers, posts, piles, or columns Type of Enclosure Enclosure (total area less than 300 sq. ft.) with breakaway walls Machinery or Equipment Servicing Building No machinery or equipment below elevated floor Lowest Floor for Rating Bottom of lowest horizontal structural member Application Should Show Building Type— One floor Is Building Elevated?— Yes Is area below the elevated floor enclosed?— No Pre-FIRM Rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate if favorable. Use no basement/enclosure rate category. If LF1 elevation is less than BFE2, use Pre-FIRM rate table with enclosure category and describe the building as an elevated building with enclosure. Post-FIRM Rating Use Post-FIRM ‘75-’81 VE, V1-V30 Zone no basement/enclosure rate category. If LF1 elevation is 2 or more feet below the BFE2, submit the application to the NFIP for a rate. LFG 47 October 1, 2006 ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1-V30 1 4 LF.Lowest Floor HAG.Highest Adjacent Grade 25 BFE.Base Flood Elevation See page LFG 2 for optional elevation rating 36 See page LFG 1 for explanation of proper openings Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description One floor and unfinished enclosed area (See Elevation Certificate, Diagram 6) Elevating Foundation of Building Piers, posts, piles, or columns Type of Enclosure Enclosure (total area less than 300 sq. ft.) with breakaway walls Machinery or Equipment Servicing Building With machinery or equipment below elevated floor Lowest Floor for Rating Bottom of slab In V zones, the lowest floor for rating should reflect the bottom of the lowest horizontal structural member. If the surveyor used item C2.a in lieu of C2.c of the Elevation Certificate, and the top of the bottom floor is at or above the lowest adjacent grade (C2.f), deduct (for 1-4 family residences) 12 inches from the elevation figure found in item C2.a. For buildings other than 1-4 family, deduct 18 inches from the elevation figure found in item C2.a. Application Should Show Building Type— Two floors Is Building Elevated?— Yes Is area below the elevated floor enclosed?— Yes Pre-FIRM Rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate if favorable. Use with basement/enclosure rate category. If LF1 elevation is less than BFE2, use Pre-FIRM rate table with enclosure category. Post-FIRM Rating Use Post-FIRM ‘75-’81 VE, V1-V30 Zone with basement/enclosure rate category. If LF1 elevation is 1 or more feet below the BFE2, submit the application to the NFIP for a rate. LFG 48 October 1, 2006 ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1-V30 1 4 LF.Lowest Floor HAG.Highest Adjacent Grade 25 BFE.Base Flood Elevation See page LFG 2 for optional elevation rating 36 See page LFG 1 for explanation of proper openings Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description One floor and finished or unfinished enclosed area (See Elevation Certificate, Diagram 6) Elevating Foundation of Building Piers, posts, piles, or columns Type of Enclosure Enclosure (total area 300 sq. ft. or more) with nonbreakaway walls or with breakaway walls Machinery or Equipment Servicing Building With or without machinery or equipment below elevated floor Lowest Floor for Rating Bottom of slab In V zones, the lowest floor for rating should reflect the bottom of the lowest horizontal structural member. If the surveyor used item C2.a in lieu of C2.c of the Elevation Certificate, and the top of the bottom floor is at or above the lowest adjacent grade (C2.f), deduct (for 1-4 family residences) 12 inches from the elevation figure found in item C2.a. For buildings other than 1-4 family, deduct 18 inches from the elevation figure found in item C2.a. Application Should Show Building Type— Two floors Is Building Elevated?— Yes Is area below the elevated floor enclosed?— Yes Pre-FIRM Rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate if favorable. Use with basement/enclosure rate category. If LF1 elevation is less than BFE2, use Pre-FIRM rate table with enclosure category. Post-FIRM Rating Use Post-FIRM ‘75-’81 VE, V1-V30 Zone with basement/enclosure rate category. If LF1 elevation is 1 or more feet below the BFE2, submit the application to the NFIP for a rate. LFG 49 October 1, 2006 ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1-V30 1 4 LF.Lowest Floor HAG.Highest Adjacent Grade 25 BFE.Base Flood Elevation See page LFG 2 for optional elevation rating 36 See page LFG 1 for explanation of proper openings Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description One floor and finished or unfinished enclosed area (See Elevation Certificate, Diagram 6) Elevating Foundation of Building Shear walls parallel to the expected flow of floodwaters Type of Enclosure Both ends enclosed with nonbreakaway walls or breakaway walls (total enclosed area 300 sq. ft. or more) Machinery or Equipment Servicing Building With or without machinery or equipment below elevated floor Lowest Floor for Rating Bottom of slab In V zones, the lowest floor for rating should reflect the bottom of the lowest horizontal structural member. If the surveyor used item C2.a in lieu of C2.c of the Elevation Certificate, and the top of the bottom floor is at above the lowest adjacent grade (C2.f), deduct (for 1-4 family residences) 12 inches from the elevation figure found in item C2.a. For buildings other than 1-4 family, deduct 18 inches from the elevation figure found in item C2.a. Application Should Show Building Type— Two floors Is Building Elevated?— Yes Is area below the elevated floor enclosed?— Yes Pre-FIRM Rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate if favorable. Use with basement/enclosure rate category. If LF1 elevation is less than BFE2, use Pre-FIRM rate table with enclosure category. Post-FIRM Rating Use Post-FIRM ‘75-’81 VE, V1-V30 Zone with basement/enclosure rate category. If LF1 elevation is 1 or more feet below the BFE2, submit the application to the NFIP for a rate. LFG 50 October 1, 2006 ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1-V30 1 4 LF.Lowest Floor HAG.Highest Adjacent Grade 25 BFE.Base Flood Elevation See page LFG 2 for optional elevation rating 36 See page LFG 1 for explanation of proper openings Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description One floor and finished or unfinished enclosed area (See Elevation Certificate, Diagram 7) Elevating Foundation of Building Solid perimeter load-bearing walls Type of Enclosure Finished or unfinished enclosure Machinery or Equipment Servicing Building With or without machinery or equipment below elevated floor Lowest Floor for Rating Bottom of slab In V zones, the lowest floor for rating should reflect the bottom of the lowest horizontal structural member. If the surveyor used item C2.a in lieu of C2.c of the Elevation Certificate, and the top of the bottom floor is at or above the lowest adjacent grade (C2.f), deduct (for 1-4 family residences) 12 inches from the elevation figure found in item C2.a. For buildings other than 1-4 family, deduct 18 inches from the elevation figure found in item C2.a. Application Should Show Building Type— Two floors Is Building Elevated?— Yes Is area below the elevated floor enclosed?— Yes Pre-FIRM Rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate if favorable. Use with basement/enclosure rate category. If LF1 elevation is less than BFE2, use Pre-FIRM rate table with enclosure category. Post-FIRM Rating Use Post-FIRM ‘75-’81 VE, V1-V30 Zone with basement/enclosure rate category. If LF1 elevation is 1 or more feet below the BFE2, submit the application to the NFIP for a rate. LFG 51 October 1, 2006 ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1-V30 1 LF.Lowest Floor 4 HAG.Highest Adjacent Grade 2 BFE.Base Flood Elevation 5 See page LFG 2 for optional elevation rating 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description Two floors with crawl space (See Elevation Certificate, Diagram 8) Elevating Foundation of Building Solid perimeter load-bearing walls Type of Enclosure Unfinished crawl space Machinery or Equipment Servicing Building With or without machinery or equipment below elevated floor Lowest Floor for Rating Top of the bottom floor (crawl space) Application Should Show Building Type— Three or more floors Is Building Elevated?— Yes Is area below the elevated floor enclosed?— Yes Pre-FIRM Rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate if favorable. Use with basement/enclosure rate category. If LF1 elevation is less than BFE2, use Pre-FIRM rate table with enclosure category. Post-FIRM Rating Use Post-FIRM ‘75-’81 VE, V1-V30 Zone with basement/enclosure rate category. If LF1 elevation is 1 or more feet below the BFE2, submit the application to the NFIP for a rate. LFG 52 October 1, 2006 ELEVATED BUILDINGS POST-FIRM RISKS IN FLOOD ZONES VE AND V1-V30— CONSTRUCTION DATE OCTOBER 1, 1981, AND AFTER 1 4 LF.Lowest Floor HAG.Highest Adjacent Grade 25 BFE.Base Flood Elevation See page LFG 2 for optional elevation rating 36 See page LFG 1 for explanation of proper openings Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description One floor without enclosed area (See Elevation Certificate, Diagram 5) Elevating Foundation of Building Piers, posts, piles, or columns Type of Enclosure The space below the lowest elevated floor either has no enclosure or has: (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. Machinery or Equipment Servicing Building No machinery or equipment below elevated floor Lowest Floor for Rating Bottom of lowest horizontal structural member Application Should Show Building Type— One floor Is Building Elevated?— Yes Is area below the elevated floor enclosed?— No V-Zone Rating; Construction Date October 1, 1981 and After Use 1981 Post-FIRM V1-V30, VE Zone Free of Obstruction rates. If LF1 elevation is 4 or more feet below the BFE2, submit the application to the NFIP for a rate. LFG 53 October 1, 2006 ELEVATED BUILDINGS POST-FIRM RISKS IN FLOOD ZONES VE AND V1-V30— CONSTRUCTION DATE OCTOBER 1, 1981, AND AFTER 1 4 LF.Lowest Floor HAG.Highest Adjacent Grade 25 BFE.Base Flood Elevation See page LFG 2 for optional elevation rating 36 See page LFG 1 for explanation of proper openings Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description One floor without enclosed area (See Elevation Certificate, Diagram 5) Elevating Foundation of Building Piers, posts, piles, or columns Type of Enclosure No enclosure or open-wood latticework or insect screening Machinery or Equipment Servicing Building With machinery or equipment at or above BFE Lowest Floor for Rating Bottom of lowest horizontal structural member Application Should Show Building Type— One floor Is Building Elevated?— Yes Is area below the elevated floor enclosed?— No V-Zone Rating; Construction Date October 1, 1981 and After Use 1981 Post-FIRM V1-V30, VE Zone Free of Obstruction rates. If LF1 elevation is 4 or more feet below the BFE2, submit the application to the NFIP for a rate. LFG 54 October 1, 2006 ELEVATED BUILDINGS POST-FIRM RISKS IN FLOOD ZONES VE AND V1-V30— CONSTRUCTION DATE OCTOBER 1, 1981, AND AFTER 1 4 LF.Lowest Floor HAG.Highest Adjacent Grade 25 BFE.Base Flood Elevation See page LFG 2 for optional elevation rating 3 6 See page LFG 1 for explanation of proper openings Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description One floor and unfinished enclosed area (See Elevation Certificate, Diagram 6) Elevating Foundation of Building Piers, posts, piles, or columns Type of Enclosure Enclosure (total area less than 300 sq. ft.) with breakaway walls Machinery or Equipment Servicing Building Without machinery or equipment below elevated floor Lowest Floor for Rating Bottom of lowest horizontal structural member Application Should Show Building Type— Two floors Is Building Elevated?— Yes Is area below the elevated floor enclosed?— Yes V-Zone Rating; Construction Date October 1, 1981 and After Use 1981 Post-FIRM V1-V30, VE Zone With Obstruction rates. If LF1 elevation is 4 or more feet below the BFE2, submit the application to the NFIP for a rate. LFG 55 October 1, 2006 ELEVATED BUILDINGS POST-FIRM RISKS IN FLOOD ZONES VE AND V1-V30— CONSTRUCTION DATE OCTOBER 1, 1981, AND AFTER 1 LF.Lowest Floor 4 HAG.Highest Adjacent Grade 25 BFE.Base Flood Elevation See page LFG 2 for optional elevation rating 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description One floor and unfinished enclosed area (See Elevation Certificate, Diagram 6) Elevating Foundation of Building Piers, posts, piles, or columns Type of Enclosure Enclosure (total area less than 300 sq. ft.) with breakaway walls Machinery or Equipment Servicing Building With machinery or equipment below BFE Lowest Floor for Rating Bottom of slab In V zones, the lowest floor for rating should reflect the bottom of the lowest horizontal structural member. If the surveyor used item C2.a in lieu of C2.c of the Elevation Certificate, and the top of the bottom floor is at or above the lowest adjacent grade, deduct (for 1-4 family residences) 12 inches from the elevation figure found in item C2.a. For buildings other than 1-4 family, deduct 18 inches from the elevation figure found in item C2.a. Application Should Show Building Type— Two floors Is Building Elevated?— Yes Is area below the elevated floor enclosed?— Yes V-Zone Rating; Construction Date October 1, 1981 and After Submit the application to the NFIP for a rate. LFG 56 October 1, 2006 ELEVATED BUILDINGS POST-FIRM RISKS IN FLOOD ZONES VE AND V1-V30— CONSTRUCTION DATE OCTOBER 1, 1981, AND AFTER 1 4 LF.Lowest Floor HAG.Highest Adjacent Grade 25 BFE.Base Flood Elevation See page LFG 2 for optional elevation rating 36 See page LFG 1 for explanation of proper openings Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description One floor and finished or unfinished enclosed area (See Elevation Certificate, Diagram 6) Elevating Foundation of Building Piers, posts, piles, or columns Type of Enclosure Enclosure (total area 300 sq. ft. or more) with nonbreakaway walls or breakaway walls Machinery or Equipment Servicing Building With or without machinery or equipment below elevated floor Lowest Floor for Rating Bottom of slab In V zones, the lowest floor for rating should reflect the bottom of the lowest horizontal structural member. If the surveyor used item C2.a in lieu of C2.c of the Elevation Certificate, and the top of the bottom floor is at or above the lowest adjacent grade (C2.f), deduct (for 1-4 family residences) 12 inches from the elevation figure found in item C2.a. For buildings other than 1-4 family, deduct 18 inches from the elevation figure found in item C2.a. Application Should Show Building Type— Two floors Is Building Elevated?— Yes Is area below the elevated floor enclosed?— Yes V-Zone Rating; Construction Date October 1, 1981 and After Submit the application to the NFIP for a rate. LFG 57 October 1, 2006 ELEVATED BUILDINGS POST-FIRM RISKS IN FLOOD ZONES VE AND V1-V30— CONSTRUCTION DATE OCTOBER 1, 1981, AND AFTER 1 4 LF.Lowest Floor HAG.Highest Adjacent Grade 25 BFE.Base Flood Elevation See page LFG 2 for optional elevation rating 36 See page LFG 1 for explanation of proper openings Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description One floor and finished or unfinished enclosed area (See Elevation Certificate, Diagram 6) Elevating Foundation of Building Shear walls parallel to the expected flow of floodwaters Type of Enclosure Both ends enclosed with breakaway walls (total enclosed area 300 sq. ft. or more) Machinery or Equipment Servicing Building With or without machinery or equipment below elevated floor Lowest Floor for Rating Bottom of slab In V zones, the lowest floor for rating should reflect the bottom of the lowest horizontal structural member. If the surveyor used item C2.a in lieu of C2.c of the Elevation Certificate, and the top of the bottom floor is at or above the lowest adjacent grade (C2.f), deduct (for 1-4 family residences) 12 inches from the elevation figure found in item C2.a. For buildings other than 1-4 family, deduct 18 inches from the elevation figure found in item C2.a. Application Should Show Building Type— Two floors Is Building Elevated?— Yes Is area below the elevated floor enclosed?— Yes V-Zone Rating; Construction Date October 1, 1981 and After Submit the application to the NFIP for a rate. LFG 58 October 1, 2006 ELEVATED BUILDINGS POST-FIRM RISKS IN FLOOD ZONES VE AND V1-V30— CONSTRUCTION DATE OCTOBER 1, 1981, AND AFTER 1 4 LF.Lowest Floor HAG.Highest Adjacent Grade 25 BFE.Base Flood Elevation See page LFG 2 for optional elevation rating 36 See page LFG 1 for explanation of proper openings Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description One floor and finished or unfinished enclosed area (See Elevation Certificate, Diagram 7) Elevating Foundation of Building Solid perimeter load-bearing walls Type of Enclosure Finished or unfinished enclosure Machinery or Equipment Servicing Building With or without machinery or equipment below elevated floor Lowest Floor for Rating Bottom of slab In V zones, the lowest floor for rating should reflect the bottom of the lowest horizontal structural member. If the surveyor used item C2.a in lieu of C2.c of the Elevation Certificate, and the top of the bottom floor is at or above the lowest adjacent grade (C2.f), deduct (for 1-4 family residences) 12 inches from the elevation figure found in item C2.a. For buildings other than 1-4 family, deduct 18 inches from the elevation figure found in item C2.a. Application Should Show Building Type— Two floors Is Building Elevated?— Yes Is area below the elevated floor enclosed?— Yes V-Zone Rating; Construction Date October 1, 1981 and After Submit the application to the NFIP for a rate. ELEVATED BUILDINGS POST-FIRM RISKS IN FLOOD ZONES VE AND V1-V30— CONSTRUCTION DATE OCTOBER 1, 1981, AND AFTER 1 LF.Lowest Floor 4 HAG.Highest Adjacent Grade 2 BFE.Base Flood Elevation 5 See page LFG 2 for optional elevation rating 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description Two floors with crawl space (See Elevation Certificate, Diagram 8) Elevating Foundation of Building Solid perimeter load-bearing walls Type of Enclosure Unfinished crawl space Machinery or Equipment Servicing Building With or without machinery or equipment below elevated floor Lowest Floor for Rating Top of the bottom floor (crawl space) Application Should Show Building Type— Three or more floors Is Building Elevated?— Yes Is area below the elevated floor enclosed?— Yes V-Zone Rating; Construction Date October 1, 1981 and After Submit the application to the NFIP for a rate. LFG 59 October 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 11-26) 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, as described in II. PHOTO REQUIREMENTS below. 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. PHOTO REQUIREMENTS All new business applications, including transfer of business, for elevation-rated risks with a policy effective date of January 1, 2007, or later must be submitted with a least two recent photographs that show the front and back of the building and are taken and dated within 90 days of the submission date. If the building is a split-level or has multi-level areas at ground level, at least two additional photographs showing views of both sides of the building must be submitted. This new requirement also applies to all renewal and endorsement transactions adding elevation rating effective on or after January 1, 2007. The photographs must be submitted on the Building Photographs form that is part of the new Elevation Certificate and must include the date the photographs were taken. All photographs must measure at least 3”×3” and provide a good, clear image of the building’s distinguishing features. Analog or digital photographs are acceptable. Color photographs are preferred. An Elevation Certificate submitted without the required photographs is not considered valid for rating. III. 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. • On the new EC, latitude, longitude, and related information are optional only if the document is being certified by other than a licensed surveyor, engineer, or architect. • If the new EC is being used to obtain flood insurance, and the certification date is on or after January 1, 2007, the EC must be accompanied by at least two current photographs of the building. (See II. PHOTO REQUIREMENTS above.) • For any crawl space, enclosure(s), or attached garage, the new EC collects square footage, number of flood openings within 1.0 foot above adjacent grade, and total area of flood openings in square inches. (A parking area located beneath an elevated floor is not considered an attached garage.) The information found in Section A of the EC is critical, as it relates to the insured property. Should information be missing from Section A (except latitude, longitude, and related informa­tion), the certificate must be returned to the surveyor, engineer, architect, or community official who executed the form. These individuals should be encouraged to fully complete Section A to avoid any delay in the issuance of the flood insurance policy. Section B – Flood Insurance Rate Map (FIRM) Information The Flood Insurance Rate Map (FIRM) information includes the following: • FIRM panel effective date and revised date; • Source of the BFE or base flood depth; NOTE: The same elevation datum should be used in determining all certification elevations as was used in determining the BFE (i.e., NGVD 1929 or NAVD 1988). • Coastal Barrier Resources System (CBRS) area or Otherwise Protected Area (OPA). NOTE: Refer to the Coastal Barrier Resources System section of this manual for flood insurance coverage eligibility. Section C – Building Elevation Information (Survey Required) Responsibilities for building elevation information are as follows. • The surveyor, engineer, or architect is required to provide a number of elevations based on the building type selected. • From the elevations gathered, the insurance agent is required to determine the lowest floor for rating flood insurance. As it relates to Section C, information found not to be applicable to the property being certified should be marked N/A (not applicable) by the surveyor, engineer, or architect. If any part of Section C is left blank, critically review it and contact the surveyor, engineer, or architect who completed the form and your company underwriter with any questions. Elevation(s) of machinery and equipment servicing the building (e.g., water heater, furnace, a/c compressor, heat pump, water pump) must be provided, regardless of its location, whether inside or outside of the building, elevated on a platform or non-elevated. The surveyor, engineer, or architect may not be able to gain access to some crawl spaces to shoot the elevation of the crawl space floor. In this instance, Item C2.a on the new EC (C3.a on the old EC) may be left blank and the estimated measurements entered in the Comments area of Section D. Elevations in Section C are based on feet, except in Puerto Rico, where the metric system is used. The agent must convert any metric elevation readings into feet before calculating the flood insurance premium. Section D – Surveyor, Engineer, or Architect Certification Section D is the surveyor’s, engineer’s, or architect’s certification that the information provided in Sections A, B, and C is representative of the certifier’s best efforts to interpret the data available. The surveyor’s, engineer’s, or architect’s signature and identification number are required fields. Some States also may require a seal. Section E – Building Elevation Information (Survey Not Required) for Zone AO and Zone A (Without BFE) Building Diagram Number (old EC) and the elevation difference between the lowest floor and the lowest adjacent grade (new EC) and highest adjacent grade are required. For Zone A (without a FEMA-issued or community-issued BFE) and Zone AO, a property owner or owner’s authorized representative may complete Sections A, B, and E. 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. IV. 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 5. • 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 flood-proofing, 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. 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 5 October 1, 2006 This page intentionally left blank. NEW EDITION Voluntary-Use Date: February 13, 2006 Mandatory-Use Date: January 1, 2007 This page intentionally left blank. This page intentionally left blank. OLD EDITION 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. In reviewing a building’s flood loss history for PRP eligibility, be aware that: • A flood insurance claim payment (building and/or contents) and a Federal flood disaster relief payment (including loans and grants) for the same loss are considered a single payment. • Federal flood disaster relief payments (including loans and grants) are considered only if the building suffered flood damage. 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. 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 October 1, 2006 • Contents located entirely in a basement are not eligible for contents-only coverage. However, contents located entirely in an enclosure are eligible. • 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. 2. If more than one additional mortgagee or disaster assistance agency exists, provide the requested information on the producer's letterhead. H. Property Location 1. Check YES if the location of the property being insured is the same as the address entered in the "Insured’s Mailing Address" section. Leave the rest of this section blank unless there is more than one building at the property location. 2. If more than one building is at the location of the insured property, use this section to specifically identify the building to be insured. Briefly describe the building or submit a sketch showing the location of insured buildings to assist the NFIP in matching the policy number to the specific building insured. 3. If NO, provide the address or location of the property to be insured. 4. If the insured's mailing address is a post office box or rural route number, give the street address, legal description, or geographic location of the property. I. Community 1. Enter the name of the county or parish where the property is located. 2. Check YES if the property is located in an unincorporated area of a county; otherwise, check NO. 3. Enter the community identification number, map panel number, and revision suffix for the community where the property is located. Use the FIRM in effect and that has been published at the time of presentment of premium and completion of application. Community number and status may be obtained by calling the writing company, consulting a local community official, or referencing the NFIP Community Status Book online at www.fema.gov/fema/csb.shtm. 4. Enter the Flood Insurance Rate Map zone. J. Building and Contents Complete all required information in this section. 1. Check building occupancy: Single Family, 2-4 Family, Other Residential, or Non-Residential (incl. Hotel/Motel). 2. Enter date of construction. 3. Check building type. If the building has a basement or enclosure, count the base ment or enclosure as a floor. If the building type is a manufactured (mobile) home/ travel trailer on foundation, enter the make, model, and serial number in the block at the bottom of this section. 4. Check the “Y” box (YES) or the “N” box (NO) for “CONDO UNIT” and “TOWNHOUSE/ROWHOUSE CONDO UNIT.” 5. Check location of building’s contents. (Contents located entirely in a basement are not eligible for contents-only coverage.) 6. Check YES if the building is the insured's principal residence; otherwise, check NO. 7. Using normal company practice, estimate the replacement cost value and enter the value in the space provided. Include the cost of the building foundation when determining the replacement cost value. K. Notice If the answer to either question A or question B is YES, this risk is not eligible for the Preferred Risk Policy. L. Premium 1. Enter the coverage selected, and the premium, from the appropriate table on the back of the application form. 2. Add the $50.00 Probation Surcharge, if applicable. Deduct $1.00 if this is an application for a townhouse/rowhouse condominium unit. M. Signature The producer must sign the Preferred Risk Policy Application and is responsible for the completeness and accuracy of the information provided on it. Enter the date of application (month/day/year). The waiting period is added to this date to determine the policy effective date of the policy listed in the Policy Term section. A check or money order for the Total Prepaid Amount, payable to the NFIP, must accompany the application. A credit card payment by VISA, MasterCard, Diner’s Club, or American Express will also be acceptable if a disclaimer form, signed by the insured, is submitted with the Preferred Risk Policy Application. The disclaimer will state that cancellation of a policy due to a billing dispute will be permitted only for a billing error or fraud. If the credit card information is taken over the telephone by the producer, the producer may sign the authorization form on behalf of the payor only after having read the disclaimer to the payor. The NFIP Preferred Risk Policy does not appear in this revision, pending OMB approval of a new expiration date. The NFIP General Change Endorsement Form does not appear in this revision, pending OMB approval of a new expiration date. 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.” REN 1 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. Use the renewal date plus 29 days to determine if the renewal premium was received within 30 days. 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. October 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. SEVERE REPETITIVE LOSS PROPERTIES Severe Repetitive Loss (SRL) properties are a subset of the properties whose policies were formerly assigned to the Repetitive Loss Target Group, which has been phased out. Effective January 1, 2007, all policy transactions for SRL properties must be processed by the NFIP Special Direct Facility. See the new SRL section of this manual for information. SUMMARY OF POLICY NOTICES NOTICES RENEWAL NOTICE Shown on pages REN 4-5 FINAL NOTICE Shown on pages REN 6-7 POLICY DECLARATIONS PAGE Not shown INSURED PRODUCER MORTGAGEE NFIP mails notice for NFIP mails notice for NFIP mails notice for payment 45 days prior to renewal date. payment 45 days prior to renewal date. payment 45 days prior to renewal date. NFIP mails notice on policy expiration date. NFIP mails notice on policy expiration date. NFIP mails a 30-day notice of nonrenewal on expiration date. Mortgagee protection terminates 30 days after mailing of notice. NFIP mails Policy Declarations Page. NFIP mails Policy Declarations Page. NFIP mails Policy Declarations Page. National Flood Insurance Program U.S. Department of Homeland Security P.O. Box 2965 Shawnee Mission, KS 66201-1365 Policy Number: Policy Expiration Date: Billing Date: Payor: Agent: Insured Property Location: RENEWAL NOTICE: Your flood insurance is about to expire on the date shown above. Please follow renewal instructions on the remittance coupon below. Special Instructions: Coverage Options Coverages Deductibles Premium Building Contents Building Contents A. CURRENT COVERAGE B. INCREASED COVERAGE See reverse side of bill for important additional information. Payor Copy RETAIN FOR YOUR RECORDS (Please detach here and send this portion with your payment.) Policy No.: Bill ID: Loan No.: Amount Paid $ Choose from one of the following payment options: . Option A . Option B For credit card payment, check card type and provide account information below: Exp. Date: ____/____ . MasterCard . VISA . AMEX Card #: . Diners Club Cardholder Signature: X__________________________________________________ Payor To remit by check, make check payable to: National Flood Insurance Program Post Office Box 70936 Charlotte, NC 28272-0936 Due Date: Billing Date: To renew your policy by check or money order, be sure to return this portion to the address above. Make payment for the exact amount of the coverage option you selected. Write your policy number on your check or money order. IMPORTANT MESSAGES 1. PROVIDED YOUR PAYMENT IS RECEIVED WITHIN 30 DAYS OF THE EXPIRATION OF YOUR POLICY, IT WILL BE RENEWED WITHOUT A LAPSE IN COVERAGE. ANY PAYMENT RECEIVED AFTER THE 30-DAY GRACE PERIOD AND PRIOR TO 90 DAYS WILL STILL RENEW YOUR POLICY; HOWEVER, THERE WILL BE A 30-DAY WAITING PERIOD FOR COVERAGE TO BECOME EFFECTIVE. THE 30-DAY WAITING PERIOD BEGINS THE DAY THE PREMIUM IS RECEIVED. 2. YOU ARE ENCOURAGED TO INSURE YOUR PROPERTY FOR AT LEAST 80% OF THE STRUCTURE’S REPLACEMENT COST TO ENSURE ADEQUATE COVERAGE IN THE EVENT OF A LOSS. CONTACT YOUR INSURANCE AGENT FOR DETAILS. 3. IF THE MORTGAGEE LISTED ON THE BILL IS NOT THE CURRENT MORTGAGEE, PLEASE FORWARD THE BILL TO THE NEW FINANCIAL INSTITUTION (IF THEY ARE RESPONSIBLE FOR PREMIUM PAYMENT) AND HAVE A CHANGE ENDORSEMENT SENT TO CORRECT THE POLICY. 4. IF THIS POLICY IS A PREFERRED RISK POLICY (PRP), PLEASE NOTE. IF THE FLOOD ZONE LISTED ON YOUR POLICY IS NOT THE ZONE ON THE CURRENT FLOOD INSURANCE RATE MAP, YOU MAY NO LONGER BE ELIGIBLE FOR THE PRP. PLEASE CONTACT YOUR INSURANCE REPRESENTATIVE TO VERIFY IF YOU ARE STILL ELIGIBLE FOR THIS POLICY OR TO OBTAIN A QUOTE FOR A STANDARD POLICY. IMPORTANT NOTICE This policy is not subject to cancellation for reasons other than those set forth in the National Flood Insurance Program rules and regulations. In matters involving billing disputes, cancellation is not available other than for billing processing error or fraud. National Flood Insurance Program U.S. Department of Homeland Security P.O. Box 2965 Shawnee Mission, KS 66201-1365 Policy Number: Policy Expiration Date: Billing Date: Payor: Agent: Insured Property Location: FINAL NOTICE: Your flood insurance policy expired on the date shown above. Please disregard this notice if your payment has already been mailed. Special Instructions: Coverage Options Coverages Deductibles Premium Building Contents Building Contents A. CURRENT COVERAGE B. INCREASED COVERAGE See reverse side of bill for important additional information. Payor Copy RETAIN FOR YOUR RECORDS (Please detach here and send this portion with your payment.) Policy No.: Bill ID: Loan No.: Amount Paid $ Choose from one of the following payment options: . Option A . Option B For credit card payment, check card type and provide account information below: Exp. Date: ____/____ . MasterCard . VISA . AMEX Card #: . Diners Club Cardholder Signature: X__________________________________________________ Payor To remit by check, make check payable to: National Flood Insurance Program Post Office Box 70936 Charlotte, NC 28272-0936 Due Date: Billing Date: To renew your policy by check or money order, be sure to return this portion to the address above. Make payment for the exact amount of the coverage option you selected. Write your policy number on your check or money order. CANCELLATION/NULLIFICATION Flood insurance coverage may be terminated at any time, by either canceling or nullifying the policy depending upon the reason for the transaction. If coverage is terminated, the insured may be entitled to a full or partial refund under applicable rules and regulations. In some instances, the insured might be ineligible for a refund. I. PROCEDURES AND VALID REASONS Submit a completed Cancellation/Nullification Request Form and proper documentation to the current NFIP insurer for processing. A. Refund Processing Procedures 1. The current NFIP insurer (WYO Company or Direct Business) will be responsible for returning the premium for the current and 1 prior policy year, provided that it was the insurer for that period. If another NFIP insurer was the insurer for the prior policy year, it will be responsible for returning the premium for that year. 2. Requests for refunds for more than 2 years (Reason Codes 4, 6, 10, 16, and 22 only) must be processed by the NFIP Bureau. a. For requests processed by the Bureau, the current NFIP insurer must submit all of the documentation necessary to make a refund for any period exceeding 2 years. At a minimum, this documentation will consist of the following: • A policy cancellation request and the premium refund calculation for each year. • The company’s statistical records or declarations pages for each policy term and evidence of premium payments obtained from the insured if these documents are not available from the company’s records. • Photographs to verify ineligible risks. • For Cancellation Reason Code 22 only (standard policy eligible for PRP): A Letter of Map Amendment (LOMA); a Letter of Map Revision (LOMR); 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; or a flood zone determination certification that guarantees the accuracy of the information. b. Mail the appropriate documentation to the NFIP Bureau and Statistical Agent, Under-writing Department, P.O. Box 310, Lanham, MD 20703. 3. WYO Companies will be notified of the premium refunded and the Expense Allowance due to the NFIP. The companies must maintain this documentation as part of their underwriting files. 4. The insured must have a current NFIP policy to be eligible for a refund of any prior year’s premium. All existing refund rules concerning the Federal Policy Fee and producer commission remain in effect. TRRP reason codes in this section are used for reporting purposes only. B. Reason Codes for Cancellation/ Nullification of NFIP Policies 1. Building Sold or Removed. (TRRP reason 01) The insured has sold or transferred ownership of the insured property and no longer has an insurable interest; the builder or developer has requested to cancel the policy mid-term because a newly created association has purchased a policy under its name; or the insured property has been removed from the described location. This reason code also may be used if the building has been foreclosed or if the building is considered a total loss because the building damage is greater than or equal to the replacement cost of the building. The effective date of the cancellation is the date the insured ceased to have an insurable interest in the property. For buildings sold, proof-of-sale documentation is required. y Type of Refund: Pro Rata y Years Eligible for Refund: Up to 2 years y Cancellation Request: Must be received within 1 year of date of sale or removal y Documentation: Bill of sale, settlement statement, foreclosure notice, proof of removal, or proof of total loss 2. Contents Sold or Removed. (TRRP reason 02) The insured has sold or transferred ownership of the insured property and no longer has an insurable interest, or the insured property has been completely removed from the described location. The effective date of the cancellation is the date the insured ceased to have an insurable interest in the property at the described location, or the date the property was removed from the described location. y Type of Refund: Pro Rata y Years Eligible for Refund: Up to 2 years y Cancellation Request: Must be received within 1 year of date of sale or removal y Documentation: Bill of sale, proof of contents removal, or proof of total loss 3. Policy Canceled and Rewritten To Establish a Common Expiration Date with Other Insurance Coverage. (TRRP reason 03) The new policy must be rewritten within the same company for the same or higher amounts of coverage. However, if it is rewritten for higher amounts of coverage, the waiting period rule will apply. The producer must submit a new Application and premium. Upon receipt of the new policy declarations page, the producer should request cancellation of the prior policy. The effective date of the cancellation will be the same as the effective date of the new policy. y Type of Refund: Pro Rata y Years Eligible for Refund: Current year y Cancellation Request: Must be received within 1 year of the new policy effective date y Documentation: Copy of new policy declarations page 4. Duplicate NFIP Policies. (TRRP reason 04) When a duplicate NFIP policy has been issued, only one policy can remain in effect. The insured can choose which policy is to remain in effect and which policy is to be canceled. This does not apply when there has been a deliberate creation of duplicate policies. If this event does occur, the policy with the later effective date must be canceled. Losses occurring under such circumstances will be adjusted according to the terms and conditions of the first policy. When coverage has been force-placed by a lender using a conventionally written standard policy because the required underwriting information is available, that policy is considered equivalent to the MPPP policy. The WYO Company is authorized to cancel the standard (forceplaced) or the MPPP policy, provided that a copy of the force-placement letter from the mortgagee and a copy of the policy declarations page are submitted with the Cancellation/Nullification Request Form. y Type of Refund: Pro Rata y Years Eligible for Refund: Up to 6 years y Cancellation Request: Must be received within 1 year of the policy expiration date y Documentation: Copy of declaration page(s) and, for the MPPP, a copy of the force-placement letter from the mortgagee 5. Non-Payment. (TRRP reason 05) When a producer accepts a premium payment from a client and then submits an agency check to the NFIP with the application, the policy may be nullified if the client's check is returned because of insufficient funds or any other reason the check is not made good to the producer. The bank's notice must be attached to the form when this situation occurs. If the producer can document this, a full premium refund is provided to the producer. If a WYO company has covered the premium for a prospective insured and then does not receive payment, the policy can be nullified. This reason cannot be used if the producer advanced agency funds and the client simply refused to pay the agency. y Type of Refund: Full The NFIP Cancellation/Nullification Request Form does not appear in this revision, pending OMB approval of a new expiration date. 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 10/1/06 8 10 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 10/1/06 8 10 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, 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 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 060013 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 Leandro, City ofSan 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 10/1/06 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 10/1/06 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 10/1/06 10/1/02 10/1/96 10/1/02 10/1/95 05/1/03 10/1/01 10/1/02 10/1/06 10/1/96 10/1/06 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 8 8 7 8 7 9 8 7 6 6 8 8 6 9 1 5 6 7 10 6 7 8 8 8 8 6 8 8 9 7 9 8 10 8 7 7 8 7 10 15 25 5 20 10 15 10 5 10 10 15 10 15 5 10 15 20 20 10 10 20 5 45 25 20 15 0 20 15 10 10 10 10 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 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 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 October 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 10/1/06 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 7 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 15 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 October 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 10/1/06 10/1/01 05/1/06 10/1/96 10/1/03 10/1/04 10/1/91 10/1/06 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 10/1/06 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 7 7 6 7 10 8 9 10 9 10 7 9 9 9 9 8 8 8 9 8 7 8 9 7 8 7 8 8 8 7 8 8 7 7 7 0 0 5 5 10 15 15 20 15 0 10 5 0 5 0 15 5 5 5 5 10 10 10 5 10 15 10 5 15 10 15 10 10 10 15 10 10 15 15 15 0 0 5 5 5 5 5 10 5 0 5 5 0 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 R 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 October 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 10/1/06 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 10/1/06 10/1/06 8 7 8 7 7 7 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 7 10 10 15 10 15 15 15 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 15 0 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 0 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 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 7 October 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 10/1/06 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 6 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 20 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 October 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 120686 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 Lakes, Town 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 10/1/06 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 10/1/06 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 10/1/06 10/1/06 8 8 6 9 9 8 8 9 6 9 6 8 9 7 8 8 7 6 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 6 8 10 10 20 5 5 10 10 5 20 5 20 10 5 15 10 10 15 20 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 20 10 5 5 10 5 5 5 5 5 10 5 10 5 5 5 5 5 5 10 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 10 5 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 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 October 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 10/1/06 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 10/1/06 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 7 8 8 7 7 7 8 7 7 8 9 8 6 8 8 8 8 5 7 6 7 9 8 7 8 8 7 8 9 8 8 8 8 7 8 9 5 15 15 10 10 15 10 10 15 15 10 10 15 15 15 10 15 15 10 5 10 20 10 10 10 10 25 15 20 15 5 10 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 October 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 10/1/06 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 10/1/06 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 6 7 7 8 9 8 7 8 7 6 8 7 9 9 6 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 20 15 15 10 5 10 15 10 15 20 10 15 5 5 20 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 10 5 5 5 5 5 5 5 5 10 5 5 5 5 10 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 October 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 170322 170078 170361 170182 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 ofCarpentersville, Village of Country Club Hills, City of Deerfield, Village of DeKalb, 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 10/1/06 10/1/93 10/1/95 05/1/05 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 10/1/06 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 10/1/06 10/1/94 10/1/05 05/1/05 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 7 8 9 8 9 7 8 7 7 6 9 8 8 7 8 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 15 10 5 10 5 15 10 15 15 20 5 10 10 15 10 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 October 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) 170081 Des Plaines, City of 10/1/93 10/1/03 7 15 5 C 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 170582 Rock Island County 10/1/06 10/1/06 7 15 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 170333 Sugar Grove, Village of 10/1/06 10/1/06 7 15 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 10/1/06 8 10 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 10/1/06 5 25 10 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 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 October 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 190169 190242 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 Iowa Coralville, City of Davenport, City of 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 10/1/92 10/1/95 10/1/91 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 10/1/96 10/1/00 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 10/1/06 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 10/1/06 10/1/00 10/1/04 10/1/91 05/1/05 10/1/95 10/1/91 10/1/96 10 8 7 10 10 8 9 9 10 8 10 10 10 7 10 8 9 10 9 10 6 8 6 8 8 9 9 9 9 9 9 7 10 8 9 8 9 9 10 0 10 15 0 0 10 5 5 0 10 0 0 0 15 0 10 5 0 5 0 20 10 20 10 10 5 5 5 5 5 5 15 0 10 5 10 5 5 0 0 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 R C 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 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 October 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 220116 220027 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 Louisiana (continued) Denham Springs, City of Deridder, City ofEast 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 10/1/91 10/1/95 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 10/1/91 10/1/95 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 9 9 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 5 5 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 5 5 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 C C 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 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 October 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 230112 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 Maine (continued) Old Town, City of 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 10/1/05 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 10/1/05 10/1/93 10/1/01 10/1/99 10/1/03 05/1/05 10/1/02 10/1/06 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 8 9 8 8 8 8 9 9 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 10 5 10 10 10 10 5 5 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 5 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 C 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 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 October 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 260175 260185 260577 260190 260305 260128 260243 260728 260503 260208 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 Michigan (continued) Novi, City of Park, Township of Portage, City of Saginaw, Township of Saugatuck, City ofSterling Heights, City of Sumpter, Township of Taylor, City of Taymouth, Township of Vassar, City 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 10/1/99 05/1/03 10/1/92 10/1/06 10/1/06 10/1/95 10/1/95 05/1/03 05/1/03 10/1/06 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 10/1/99 05/1/03 05/1/02 10/1/06 10/1/06 05/1/05 10/1/04 05/1/03 05/1/03 10/1/06 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 10/1/06 05/1/04 04/1/01 10/1/01 10/1/96 7 9 8 9 8 7 10 9 9 6 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 5 10 10 7 10 15 5 10 5 10 15 0 5 5 20 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 25 0 0 15 0 5 5 5 5 5 5 0 5 5 10 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 C C C C C C R C 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 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 October 1, 2006 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES 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 October 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 340459 340178 340289 345286 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 340070 340472 340474 345317 New Jersey (continued) Berkeley Heights, Township Bloomfield, Town of Bradley Beach, Borough of Brigantine, City ofBurlington, 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 Rochelle Park, Township of Roselle, Borough of Scotch Plains, Township of Sea Bright, Borough of 10/1/94 10/1/92 10/1/95 10/1/92 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 10/1/06 10/1/92 10/1/94 10/1/92 04/1/99 10/1/97 10/1/00 10/1/01 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 10/1/06 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 10/1/06 01/1/98 10/1/95 10/1/97 10 10 7 7 8 8 7 9 10 8 8 8 10 8 10 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 8 10 10 0 0 15 15 10 10 15 5 0 10 10 10 0 10 0 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 10 0 0 0 0 5 5 5 5 5 5 0 5 5 5 0 5 0 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 5 0 0 R R C C C C C C R C C C R C R 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 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 19 October 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 345318 345319 345320 340329 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 New Jersey (continued) Sea Isle City, City of Seaside Park, Borough of Ship Bottom, Borough of Spring Lake, Borough of 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 10/1/92 10/1/92 10/1/92 10/1/94 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 10/1/95 10/1/06 10/1/02 10/1/99 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 8 8 8 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 0 10 10 10 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 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 R C C C 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 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 October 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) 360154 Horseheads, Village of 10/1/91 10/1/91 9 5 5 C 360308 Ilion, Village of 10/1/00 10/1/00 9 5 5 C 360047 Johnson City, Village of 10/1/91 10/1/91 9 5 5 C 360247 Lackawanna, City of 05/1/03 05/1/03 9 5 5 C 360476 Lawrence, Village of 10/1/92 10/1/03 8 10 5 C 360506 Niagara Falls, City of 10/1/92 10/1/02 8 10 5 C 360801 Northport, Village of 10/1/94 10/1/94 9 5 5 C 360667 Oneonta, City of 10/1/94 05/1/04 8 10 5 C 360780 Pulteney, Town of 10/1/91 10/1/93 10 0 0 R 360932 Scarsdale, Village of 10/1/93 10/1/98 8 10 5 C 365342 Southampton, Town of 10/1/95 10/1/05 8 10 5 C 365343 Southampton, Village of 10/1/92 10/1/93 10 0 0 R 360156 Southport, Town of 10/1/91 10/1/91 9 5 5 C 360595 Syracuse, City of 10/1/93 10/1/93 9 5 5 C 360056 Union, Town of 10/1/91 10/1/01 9 5 5 C 361057 Veteran, Town of 10/1/91 10/1/96 10 0 0 R 360157 Wellsburg, Village of 10/1/91 10/1/91 9 5 5 C North Carolina 370404 Alliance, Town of 10/1/92 10/1/92 9 5 5 C 370044 Atlantic Beach, Town of 10/1/92 10/1/93 8 10 5 C 370183 Bayboro, Town of 10/1/92 10/1/92 9 5 5 C 375346 Beaufort, City of 10/1/94 10/1/05 8 10 5 C 370015 Belhaven, Town of 10/1/93 10/1/94 8 10 5 C 370253 Boone, Town of 10/1/91 10/1/00 7 15 5 C 370231 Brevard, City of 10/1/92 10/1/92 9 5 5 C 370036 Cabarrus County 10/1/91 10/1/91 9 5 5 C 370039 Caldwell County 04/1/00 04/1/00 9 5 5 C 370046 Cape Carteret, Town of 10/1/93 10/1/03 8 10 5 C 375347 Carolina Beach, Town of 10/1/93 04/1/99 7 15 5 C 370043 Carteret County 10/1/91 10/1/92 8 10 5 C 370238 Cary, Town of 10/1/92 10/1/96 10 0 0 R 370391 Caswell Beach, City of 10/1/94 10/1/00 7 15 5 C 370465 Cedar Point, Town of 10/1/92 10/1/92 9 5 5 C 370159 Charlotte, City of 10/1/91 05/1/06 5 25 10 C 370263 Clinton, City of 10/1/94 10/1/94 9 5 5 C 370037 Concord, City of 10/1/93 10/1/03 8 10 5 C 370072 Craven County 10/1/91 10/1/01 8 10 5 C 370443 Creswell, Town of 10/1/94 10/1/99 8 10 5 C 370076 Cumberland County 10/1/96 10/1/96 9 5 5 C 370078 Currituck County 10/1/93 10/1/03 7 15 5 C 375348 Dare County 10/1/91 10/1/01 7 15 5 C 370085 Durham County 10/1/92 10/1/92 9 5 5 C 370062 Edenton, Town of 10/1/93 10/1/93 9 5 5 C 370047 Emerald Isle, Town of 10/1/93 10/1/03 7 15 5 C 370190 Farmville, Town of 10/1/04 10/1/04 8 10 5 C 375349 Forsyth County 10/1/93 10/1/93 9 5 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 21 October 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 370255 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 370094 370187 370438 370368 370247 370268 370017 370251 North Carolina (continued) Goldsboro, City of 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 Tarboro, Town of Topsail Beach, Town of Vandemere, Town of Wake County Washington County Washington Park, Town of Washington, City ofWatauga County 10/1/93 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 10/1/06 10/1/92 10/1/92 10/1/91 10/1/94 10/1/92 10/1/92 10/1/91 05/1/03 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 10/1/06 10/1/02 10/1/99 10/1/99 10/1/96 10/1/05 10/1/92 10/1/00 10/1/06 10/1/02 10/1/92 10/1/96 10/1/99 10/1/92 10/1/02 10/1/91 8 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 7 8 8 10 6 8 9 8 8 6 9 10 8 9 8 9 10 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 15 10 10 0 20 10 5 10 10 20 5 0 10 5 10 5 5 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 5 10 5 0 5 5 5 5 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 R C C C C C C 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 22 October 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 370254 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 North Carolina (continued) Wayne County 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 10/1/93 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 05/1/03 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 10/1/06 10/1/93 10/1/06 10/1/03 10/1/06 7 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 6 10 8 2 7 15 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 20 0 10 40 15 5 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 10 0 5 10 5 C 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 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 October 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 410090 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 410202 420339 420714 421062 421134 420380 420642 420612 420613 420831 420687 422105 421040 425384 420754 Oregon (continued) Ashland, City of 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 Tillamook, City of Pennsylvania Bloomsburg, Town ofDanville, Borough of Etna, 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 10/1/91 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 10/1/06 10/1/93 10/1/06 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 10/1/96 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 10/1/06 10/1/03 10/1/06 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 8 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 8 8 9 6 9 9 10 8 9 10 10 8 9 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 10 10 5 20 5 5 0 10 5 0 0 10 5 5 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 5 5 10 5 5 0 5 5 0 0 5 5 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 C C R C C 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 24 October 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 421101 420834 420372 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 Pennsylvania (continued) Shaler, Township of Union, Township of Upper Allen, Township of 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 10/1/94 10/1/93 10/1/92 10/1/98 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 10/1/04 10/1/98 10/1/97 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 8 10 10 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 10 0 0 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 5 0 0 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 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 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 October 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 465420 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 South Dakota Rapid City, City ofTennessee 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 10/1/92 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 10/1/02 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 10/1/06 10/1/93 10/1/06 10/1/96 10/1/97 05/1/05 10/1/06 10/1/04 05/1/06 10/1/93 10/1/06 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 8 9 9 8 9 10 9 10 10 9 8 10 8 10 10 8 7 8 6 9 6 9 9 7 9 7 8 9 7 9 10 8 8 9 5 7 7 8 7 8 5 8 10 5 5 10 5 0 5 0 0 5 10 0 10 0 0 10 15 10 20 5 20 5 5 15 5 15 10 5 15 5 0 10 10 5 25 15 15 10 15 10 25 10 5 5 5 5 5 0 5 0 0 5 5 0 5 0 0 5 5 5 10 5 10 5 5 5 5 5 5 5 5 5 0 5 5 5 10 5 5 5 5 5 10 5 C 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 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 October 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 485488 480195 480452 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 Texas (continued) League City, City of Lewisville, City of Lubbock, City of 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 10/1/92 10/1/91 10/1/92 10/1/92 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 10/1/96 10/1/93 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 10/1/06 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 9 7 8 8 8 7 8 10 8 6 9 8 7 9 9 8 8 9 9 10 9 8 8 8 8 8 9 7 9 9 9 9 8 8 9 8 8 8 9 9 5 15 10 10 10 15 10 0 10 20 5 10 15 5 5 10 10 5 5 0 5 10 10 10 10 10 5 15 5 5 5 5 10 10 5 10 10 10 5 5 5 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 C C C 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 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 October 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 510090 510104 510183 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 540065 540004 550001 550612 Virginia (continued) Loudoun County Norfolk, City ofPoquoson, City ofPortsmouth, 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 Jefferson County Philippi, City of Wisconsin Adams County Allouez, Village of 10/1/92 10/1/92 10/1/92 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 10/1/06 05/1/03 10/1/91 10/1/92 05/1/03 10/1/92 10/1/97 10/1/00 10/1/01 10/1/06 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 10/1/06 05/1/06 05/1/02 10/1/03 04/1/98 10/1/00 10/1/06 10/1/06 05/1/03 10/1/91 10/1/02 10 9 9 9 8 8 8 9 9 9 7 5 6 7 6 7 8 8 7 8 5 3 8 7 7 5 6 6 5 7 5 5 5 8 7 5 6 9 8 9 7 0 5 5 5 10 10 10 5 5 5 15 25 20 15 20 15 10 10 15 10 25 35 10 15 15 25 20 20 25 15 25 25 25 10 15 25 20 5 10 5 15 0 5 5 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 10 5 5 5 5 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 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 October 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 550128 550578 550022 555562 550085 550487 550310 550107 550108 550537 560037 560030 560013 560029 560085 560044 Wisconsin (continued) Eau Claire, City of Elm Grove, Village ofGreen Bay, City of 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 04/1/01 10/1/91 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 10/1/01 10/1/06 10/1/01 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 6 7 8 9 8 9 8 8 8 9 7 9 8 10 9 10 20 15 10 5 10 5 10 10 10 5 15 5 10 0 5 5 10 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 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 October 1, 2006 GUIDANCE FOR SEVERE REPETITIVE LOSS PROPERTIES I. GENERAL DESCRIPTION The primary objective of the severe repetitive loss (SRL) properties strategy is to eliminate or reduce the damage to property and the disruption to life caused by repeated flooding. Approximately 8,300 insured properties have been identified with a high frequency of losses or a high value of claims. As these policies come up for renewal, they should be transferred to the NFIP Servicing Agent’s Special Direct Facility (SDF). The close supervision the SDF provides the group of policies and the attention the group of properties receives when mitigation decisions are made contribute to attaining the strategy’s primary objective. The SRL group consists of any NFIP insured property that has met at least one of the following paid flood loss criteria since 1978, regardless of ownership: 1. Four or more separate claim payments of more than $5,000 each (including building and contents payments); or 2. Two or more separate claim payments (building payments only) where the total of the payments exceeds the current market value of the property. In either case, two of the claim payments must have occurred within 10 years of each other. Multiple losses at the same location within 10 days of each other are counted as one loss, with the payment amounts added together. The loss history includes all ownership of the property since 1978 or since the building’s construction if built after 1978. Severe repetitive loss properties with renewal dates of January 1, 2007, and later will be afforded coverage (new business or renewal) only through the SDF. The agent of record will remain in that capacity while the policy is in the SDF. The NFIP Servicing Agent will pay the agent of record the standard 15 percent commission that is paid on all NFIP Direct business. II. NOTIFICATION REQUIREMENTS Policies that renew on or after January 1, 2007, and meet the criteria for severe repetitive loss will be transferred to the SDF for policy issuance. Any policy that meets the SRL criteria during the current term will be transferred to the SDF with the subsequent renewal. As appeals are successful and FEMA or its designee approves properties for mitigation, policies will be transferred out of the SDF. When policies are to be transferred to the SDF, the NFIP Bureau and Statistical Agent will notify WYO companies and the NFIP Servicing Agent at least 150 days prior to the expiration date. The companies will notify the affected policyholders, their agents, and their lenders 90 days before expiration of the policy. This notice will explain that the policies are ineligible for coverage outside of the SDF. (See agent, lender, and policyholder notification letters, pages SRL 3-8) Offers to renew will be issued by the SDF approximately 45 days prior to the expiration date. Policies with effective dates on or after November 1, 2006, that are currently written through the SDF as part of the Repetitive Loss Target Group program, but do not match the loss characteristics of the SRL group, will be identified by the NFIP Bureau and Statistical Agent and the SDF. The SDF will notify the policyholder, agent, and lender at least 90 days prior to the renewal date informing them that the flood insurance policy must be issued through a WYO company or the NFIP Servicing Agent. III. DISPUTE RESOLUTION When a policyholder has documentation that the NFIP-insured property has not sustained the losses reported by the NFIP Bureau and Statistical Agent, an appeal may be presented, in writing, to the SDF. All documentation to substantiate the appeal must be included with the appeal letter. The policy will remain in the SDF until the appeal is settled. The policyholder and agent will be notified of the results of the appeal. If the policyholder’s appeal is successful, the SDF policy will be canceled and the full premium will be returned to the former carrier. The carrier will write the policy using the SDF’s effective dates. If, however, a loss occurs both in the current term and before the policy can be returned to the former carrier, the SDF will continue to service the claim and will return the policy at the next renewal cycle. IV. MITIGATION Outside of the appeal process, when mitigation efforts (other than buyout or demolition) such as elevation, relocation, or other approved mitigation efforts are approved by FEMA, the property will be removed from the SDF and the target group at the next renewal. If the property is bought out or demolished under an approved FEMA mitigation project, and the efforts for the specific property are FEMA approved, the policy will be canceled and the pro-rata premium (less Federal Policy Fee and, if applicable, Probation Surcharge) will be refunded. When a property is bought out or demolished, any commission chargeback to the agent will be forgiven. U.S. Department of Homeland Security 500 C Street, SW Washington, DC 20472 IMPORTANT FLOOD INSURANCE POLICY INFORMATION Reference Policy Number: ___________________ Dear Agent: As you may be aware, your client’s property, which is covered by flood insurance, has experienced repetitive flood losses under FEMA’s National Flood Insurance Program (NFIP). This letter is to inform you that your client’s property meets the criteria for a new subset of repetitive loss structures: insured properties with a high frequency of losses or a high value of claims. These properties are designated Severe Repetitive Loss (SRL) properties. Congress recognized that SRL properties represent the greatest risk of sustaining repeated flood losses and, through the Flood Insurance Reform Act of 2004 (FIRA 2004), made it a top priority to reduce the number of SRL properties nationwide. As of March 2006, FEMA has identified approximately 8,300 properties that meet the standard for SRL. The loss characteristics of an SRL property must meet one of the following criteria based on paid flood losses since 1978, regardless of ownership: (1) Four or more separate claim payments of more than $5,000 each (building and/or contents payments); or (2) Two or more separate claim payments (building payments only) where the total of the payments exceeds the current market value of the property. In either case, two of the claim payments must have occurred within 10 years of each other. If there are multiple losses at the same location within 10 days of each other, they are counted as one loss, with the payment amounts added collectively. The strategy for reducing the number of SRL properties is twofold: First, the NFIP has centralized the processing of all flood insurance policies of SRL properties in order for FEMA to obtain additional underwriting information, verify loss information, and collect information about the flood risk to the SRL properties. Second, FEMA is implementing a new mitigation grant program authorized by FIRA 2004 to mitigate SRL properties. You need to be aware of the following: • The Write Your Own (WYO) Insurance Companies that sell and service flood insurance under the NFIP will assign flood insurance policies for SRL properties, upon renewal, to a centralized processing center operated by the NFIP’s Servicing Agent. This center is the Special Direct Facility (SDF). Agent Date Page 2 • As a result, your client’s policy will not be processed by the chosen WYO Company or by the traditional NFIP Direct Program. You will, however, continue to be the agent of record throughout the process. While the policy remains in the SDF, you will receive the same 15 percent commission that the NFIP Direct agents are given. • Approximately 45 days prior to the renewal date of the policy, your client will receive a premium bill from the NFIP Servicing Agent. This bill is the only bill that should be paid by your client. • For the time being, the SDF will be the only source for NFIP flood insurance coverage for your client’s property. As always, the full premium amount and any related fees should be paid by the date indicated. The policy sent to your client will meet all the requirements of any mortgage company to the same extent as the current policy. • You should encourage your client to continue to contact you directly for any service needs on the policy because you will remain the agent of record. • The NFIP provides a procedure for your client to follow if he or she believes that FEMA has incorrectly included his or her insured property on its list of SRL properties. The new mitigation grant program authorized by FIRA 2004 may provide Federal grant funds to pay for up to 75 percent (up to 90 percent if certain state mitigation floodplain requirements are met) of the cost of eligible mitigation activities, such as elevating your client’s NFIP-insured structure. Mitigated properties may qualify for reduced flood insurance rates. You should encourage your client to obtain additional information and refer them to the appropriate local floodplain manager or state hazard mitigation official. FEMA’s goal is to reduce the devastating effects of repetitive flood losses. If you have questions about this letter and the SRL procedures, please contact the NFIP Help Center by telephone at the toll-free number 1-866-395-7496. Sincerely, David I. Maurstad Director Mitigation Division U.S. Department of Homeland Security 500 C Street, SW Washington, DC 20472 IMPORTANT FLOOD INSURANCE POLICY INFORMATION Reference Policy Number: ___________________ Dear Lender: As you may be aware, your client’s property, which is covered by flood insurance, has experienced repetitive flood losses under FEMA’s National Flood Insurance Program (NFIP). This letter is to inform you that your client’s property meets the criteria for a new subset of repetitive loss structures: insured properties with a high frequency of losses or a high value of claims. These properties are designated Severe Repetitive Loss (SRL) properties. Congress recognized that SRL properties represent the greatest risk of sustaining repeated flood losses and, through the Flood Insurance Reform Act of 2004 (FIRA 2004), made it a top priority to reduce the number of SRL properties nationwide. As of March 2006, FEMA has identified approximately 8,300 properties that meet the standard for SRL. The loss characteristics of an SRL property must meet one of the following criteria based on paid flood losses since 1978, regardless of ownership: (1) Four or more separate claim payments of more than $5,000 each (building and/or contents payments); or (2) Two or more separate claim payments (building payments only) where the total of the payments exceeds the current market value of the property. In either case, two of the claim payments must have occurred within 10 years of each other. If there are multiple losses at the same location within 10 days of each other, they are counted as one loss, with the payment amounts added collectively. The strategy for reducing the number of SRL properties is twofold: First, the NFIP has centralized the processing of all flood insurance policies of SRL properties in order for FEMA to obtain additional underwriting information, verify loss information, and collect information about the flood risk to the SRL properties. Second, FEMA is implementing a new mitigation grant program authorized by FIRA 2004 to mitigate SRL properties. You need to be aware of the following: • The Write Your Own (WYO) Insurance Companies that sell and service flood insurance under the NFIP will assign flood insurance policies for SRL properties, upon renewal, to a centralized processing center operated by the NFIP’s Servicing Agent. This center is the Special Direct Facility (SDF). Lender Date Page 2 • As a result, your client’s policy will not be processed by the chosen WYO Company or by the traditional NFIP Direct Program. • Approximately 45 days prior to the renewal date of the policy, your client will receive a premium bill from the NFIP Servicing Agent. This bill is the only bill that should be paid by your client. • For the time being, the SDF will be the only source for NFIP flood insurance coverage for your client’s property. As always, the full premium amount and any related fees should be paid by the date indicated. The policy sent to your client will meet all the requirements of any mortgage company to the same extent as the current policy. • The NFIP provides a procedure for your client to follow if he or she believes that FEMA has incorrectly included his or her insured property on its list of SRL properties. The new mitigation grant program authorized by FIRA 2004 may provide Federal grant funds to pay for up to 75 percent (up to 90 percent if certain state mitigation floodplain requirements are met) of the cost of eligible mitigation activities, such as elevating your client’s NFIP-insured structure. Mitigated properties may qualify for reduced flood insurance rates. You should encourage your client to obtain additional information and refer them to the appropriate local floodplain manager or state hazard mitigation official. FEMA’s goal is to reduce the devastating effects of repetitive flood losses. If you have questions about this letter and the SRL procedures, please contact the NFIP Help Center by telephone at the toll-free number 1-866-395-7496. Sincerely, David I. Maurstad Director Mitigation Division U.S. Department of Homeland Security 500 C Street, SW Washington, DC 20472 IMPORTANT FLOOD INSURANCE POLICY INFORMATION Reference Policy Number: _________________ Dear Policyholder: As you may be aware, your property, which is covered by flood insurance, has experienced repetitive flood losses under FEMA’s National Flood Insurance Program (NFIP). This letter is to inform you that your property meets the criteria for a new subset of repetitive loss structures: insured properties with a high frequency of losses or a high value of claims. These properties are designated Severe Repetitive Loss (SRL) properties. Congress recognized that SRL properties represent the greatest risk of sustaining repeated flood losses and, through the Flood Insurance Reform Act of 2004 (FIRA 2004), made it a top priority to reduce the number of SRL properties nationwide. As of March 2006, FEMA has identified approximately 8,300 properties that meet the standard for SRL. The loss characteristics of an SRL property must meet one of the following criteria based on paid flood losses since 1978, regardless of ownership: (1) Four or more separate claim payments of more than $5,000 each (building and/or contents payments); or (2) Two or more separate claim payments (building payments only) where the total of the payments exceeds the current market value of the property. In either case, two of the claim payments must have occurred within 10 years of each other. If there are multiple losses at the same location within 10 days of each other, they are counted as one loss, with the payment amounts added collectively. The strategy for reducing the number of SRL properties is twofold. First, the NFIP has centralized the processing of all flood insurance policies of SRL properties in order for FEMA to obtain additional underwriting information, verify loss information, and collect information about the flood risk to the SRL properties. Second, FEMA is implementing a new mitigation grant program authorized by FIRA 2004 to mitigate SRL properties. You need to be aware of the following: • The “Write Your Own” (WYO) Insurance Companies that sell and service flood insurance under the NFIP will assign flood insurance policies for SRL properties, upon renewal, to a centralized processing center operated by the NFIP’s Servicing Agent. This center is the Special Direct Facility (SDF). Policyholder Date Page 2 • As a result, your policy will not be processed by your chosen WYO Company or by the traditional NFIP Direct Program. Your agent, however, will continue to be the agent of record throughout the process. • Approximately 45 days prior to the renewal date of your policy, you will receive a premium bill from the NFIP Servicing Agent. This bill is the only bill that you should pay. • For the time being, the SDF will be the only source for NFIP flood insurance coverage for your property. As always, the full premium amount and any related fees should be paid by the date indicated. The policy sent to you will meet all the requirements of any mortgage company to the same extent as your current policy. • You may continue to contact your agent directly for any service needs on the policy because he or she will remain the agent of record. • The NFIP provides a procedure for you to follow if you believe that FEMA has incorrectly included your insured property on its list of SRL properties. The new mitigation grant program authorized by FIRA 2004 may provide Federal grant funds to pay for up to 75 percent (up to 90 percent if certain state mitigation floodplain requirements are met) of the cost of eligible mitigation activities, such as elevating your NFIP-insured structure. Mitigated properties may qualify for reduced flood insurance rates. To obtain additional information, please contact your local floodplain manager or state hazard mitigation official. FEMA’s goal is to reduce the devastating effects of repetitive flood losses. If you have questions about this letter and the SRL procedures, please contact the NFIP Help Center by telephone at the toll-free number 1-866-395-7496. Sincerely, David I. Maurstad Director Mitigation Division Hazard Area as indicated on the Flood Hazard Boundary Map or Flood Insurance Rate Map. Participating Community. A community for which FEMA has authorized the sale of flood insurance under the NFIP. Policy. The entire written contract between the insured and the insurer. It includes: • The printed policy form; • The application and Declarations Page; • Any endorsement(s) that may be issued; and • Any renewal certificate indicating that coverage has been instituted for a new policy and new policy term. Only one dwelling, specifically described by the prospective policyholder in the application, may be insured under a policy. Pollutants. Substances that include, but are not limited to, any solid, liquid, gaseous, or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals, and waste. “Waste” includes, but is not limited to, materials to be recycled, reconditioned, or reclaimed. Ponding Hazard. A flood hazard that occurs in flat areas when there are depressions in the ground that collect “ponds” of water. The ponding hazard is represented by the zone designation AH on the FIRM. Post-FIRM Building. A building for which construction or substantial improvement occurred after December 31, 1974, or on or after the effective date of an initial Flood Insurance Rate Map (FIRM), whichever is later. Pre-FIRM Building. A building for which construction or substantial improvement occurred on or before December 31, 1974, or before the effective date of an initial Flood Insurance Rate Map (FIRM). Preferred Risk Policy (PRP). A policy that offers fixed combinations of building/contents coverage or contents-only coverage at modest, fixed premiums. The PRP is available for property located in B, C, and X Zones in Regular Program communities that meets eligibility requirements based on the property’s flood loss history. Prepaid Amount (Total). The total amount that must be submitted with an application or renewal in order to be acceptable for coverage. It is determined by adding the Federal Policy Fee to the Total Prepaid Premium. Prepaid Premium (Total). The amount on the application (excluding the Preferred Risk Application) that includes the Annual Subtotal, the ICC Premium, the CRS Premium Discount (if applicable), and the Probation Surcharge (if applicable). Presentment of Payment (Premium). The date of receipt of premium at the office of the NFIP or the date of certified mail. In the case of transfer of title, the date of settlement or closing, when the premium is paid at that time. Principal Residence. A single-family dwelling in which, at the time of loss, the named insured or the named insured’s spouse has lived for either 80 percent of the 365 days immediately preceding the loss, or 80 percent of the period of ownership, if less than 365 days. Principally Above Ground Building. A building that has at least 51 percent of its actual cash value, including machinery and equipment, above ground. Probation. A FEMA-imposed change in a community’s status resulting from violations and deficiencies in the administration and enforcement of NFIP local floodplain management regulations. Probation Surcharge (Premium). A flat charge that the policyholder must pay on each new or renewal policy issued covering property in a community that the NFIP has placed on probation under the provisions of 44 CFR 59.24. Proper Openings - Enclosures (Applicable to Zones A, A1-A30, AE, AO, AH, AR, and AR Dual). All enclosures 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 subject to flooding must be provided. The bottom of all openings must be no higher than 1 foot above grade. Property Removed to Safety Expense. Up to $1,000 of reasonable expenses incurred by the insured to temporarily remove insured property from the described location because of flood or the imminent danger of flood. Provisional Rating. A method for placing flood coverage prior to the receipt of a FEMA Elevation Certificate. Regular Program. The final phase of a community’s participation in the National Flood Insurance Program. In this phase, a Flood Insurance Rate Map is in effect and full limits of coverage are available under the Act. Regular Program Community. A community wherein a FIRM is in effect and full limits of coverage are available under the Act. Repetitive Loss Structure. An NFIP-insured structure that has had at least two paid flood losses of more than $1,000 each in any 10-year period since 1978. Replacement Cost Value (RCV). The cost to replace property with the same kind of material and construction without deduction for depreciation. Residential Condominium Building. A building, owned and administered as a condominium, containing one or more family units and in which at least 75 percent of the floor area is residential. Residential Condominium Building Association Policy (RCBAP). See “Standard Flood Insurance Policy–Residential Condominium Building Association Policy (RCBAP).” Scheduled Building Policy. A policy that requires a specific amount of insurance to be designated for each building and its contents. Section 1316. Section of the National Flood Insurance Act of 1968, as amended, which states that no new flood insurance coverage shall be provided for any property that FEMA finds has been declared by a duly constituted state or local zoning authority or other authorized public body to be in violation of state or local laws, regulations, or ordinances that are intended to discourage or otherwise restrict land development or occupancy in flood-prone areas. Severe Repetitive Loss (SRL) Properties. NFIP-insured buildings that, on the basis of paid flood losses since 1978, meet either of the loss criteria described on page SRL 1. SRL properties with policy effective dates of January 1, 2007, and later will be afforded coverage (new business or renewal) only through the NFIP Servicing Agent’s Special Direct Facility so that they can be considered for possible mitigation activities. Shear Walls. Walls used for structural support but 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 flood zone. Sheet Flow Hazard. A type of flood hazard with flooding depths of 1 to 3 feet that occurs in areas of sloping land. The sheet flow hazard is represented by the zone designation AO on the FIRM. Single Adjuster Program. A procedure implemented among the NFIP, various wind pools, and WYO Companies to allow one adjuster to represent both carriers in adjusting a combined wind-water loss where the NFIP has the flood coverage and another carrier has the wind coverage. Single Building. A building that is separated from other buildings by intervening clear space or solid, vertical, load-bearing division walls. Single-Family Residence. A residential single-family dwelling. Incidental office, professional, private school, or studio occupancies, including a small service operation, are permitted if such incidental occupancies are limited to less than 50 percent of the building's total floor area. Solid Perimeter Foundation Walls. Walls that are used as a means of elevating a building in A Zones and that must contain sufficient openings to allow for the unimpeded flow of floodwaters more than 1 foot deep. Special Flood Hazard Area (SFHA). An area having special flood, mudflow, or flood-related erosion hazards, and shown on a Flood Hazard Boundary Map or Flood Insurance Rate Map as Zone A, AO, A1-A30, AE, A99, AH, AR, AR/A, AR/AE, AR/AH, AR/AO, AR/A1-A30, V1-V30, VE, or V. For the purpose of determining Community Rating System premium discounts, all AR and A99 zones are treated as non-SFHAs. Standard Flood Insurance Policy–Dwelling Form. Policy issued to insure a building and/or residential contents on a single-family or a 2-4 family dwelling. Standard Flood Insurance Policy–General Property Form. Policy issued to insure a building and/or contents on other residential or non-residential buildings. Standard Flood Insurance Policy–Residential Condominium Building Association Policy (RCBAP). Policy issued to insure a residential condominium building and all units within the DEF 8 October 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, 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 1-37 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 DISASTER ASSISTANCE ................. GR 3, APP 2, PRP 1, 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, 11-37 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, SRL 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 3-10, DEF 4 FLOODPROOFING CERTIFICATE FOR NON-RESIDENTIAL STRUCTURES ..................CERT 9-10 FLOODPROOFING CERTIFICATE, RESIDENTIAL BASEMENT ..................................CERT 7-8 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 October 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, SRL 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 12 Application Submission ............................................GR 12 Assignment of Policy................................................GR 12 Commission, Producer’s ..........................................GR 12 Delivery of Policy......................................................GR 12 Policy Term...............................................................GR 12 MITIGATION ................................................................. SRL 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, SRL 1, DEF 6 NFIP CONTACT INFORMATION ..............................REF 3-6 NFIP SERVICING AGENT................REF 2, 3, SRL 1, DEF 6 NFIP SPECIAL DIRECT FACILITY (SDF)...................REF 2, SRL 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 PHOTO REQUIREMENTS (FOR ELEVATION CERTIFICATE)......................................................CERT 1-2 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 Severe Repetitive Loss Policies................REN 2, SRL 1-5 Waiting Period...................................................... REN 1, 2 POLICY TERM .................. GR 12, 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 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, SRL 1-8, 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 7-8 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) SEVERE REPETITIVE LOSS PROPERTIES ............. REN 2, SRL 1-8, DEF 8 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 1-37 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 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