U.S. Department of Homeland Security 500 C Street SW Washington, DC 20472 April 2007 Dear Flood Insurance Manual Subscribers: As we move forward to improve the National Flood Insurance Program (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. Revisions have been made to the NFIP Flood Insurance Manual that will become effective May 1, 2007. All of the changes are reflected on the enclosed amended pages, and related footers have been modified to reflect the May 1, 2007, effective date. Some of the significant revisions include: • Provides new flood insurance rates and updates the Precalculated Pre-FIRM Premium Table and the rating examples. (RATE, CONDO, MPPP, END sections) • Explains how loss assessment coverage for condominium unit owners under the Dwelling Form varies according to the amount of coverage purchased by the condominium association under the Residential Condominium Building Association Policy. (GR section) • Clarifies documentation requirements for RCBAP eligibility. (CONDO section) • Adds information about renewal and re-rating of substantially damaged buildings for which repairs have not been completed at policy renewal time. (RATE section) • Provides detailed information about photograph requirements for elevation-rated risks. (CERT section) • Adds FEMA’s formal flood insurance claims appeal process. (CL section) • Updates the Coastal Barrier Resources System List of Communities. (CBRS section) • Updates the Community Rating System Eligible Communities list. (CRS section) Thank you for your continued support of the NFIP. Sincerely, David I. Maurstad Federal Insurance Administrator National Flood Insurance Program Mitigation Division Attachment www.fema.gov Change Record Page Effective Date: May 1, 2007 Updates and corrections to the NFIP Flood Insurance Manual are distributed semiannually. Each change is highlighted by a vertical bar in the margin of the page. The effective date of each page is shown in the bottom right corner. Pages bearing the new effective date but no change bar simply indicate that text has shifted from one page to another. Please keep this Change Record Page in your manual for reference. Remove Insert i-viii REF 1-7 GR 5-12 APP 3-6 RATE 1-12, 23-24, 49-60 CONDO 1-2, 5-20, 23-31 LFG 21-24, 31-32 CERT 1-4 PRP 1-2 MPPP 1-2 END 5-12 CL 1-2 POL 19-20, 39-40, 59-60 MAP 5-6 CBRS 1-2, 7-12 CRS 1-29 SRL 3-8 IND 1-5 i-viii REF 1-7 GR 5-13 APP 3-6 RATE 1-12, 23-24B, 49-60 CONDO 1-2, 5-20, 23-31 LFG 21-24, 31-32 CERT 1-4 PRP 1-2 MPPP 1-2 END 5-12 CL 1-4 POL 19-20, 39-40, 59-60 MAP 5-6 CBRS 1-2, 7-12 CRS 1-29 SRL 3-8 IND 1-5 TABLE OF CONTENTS SECTION PAGE REFERENCE .............................................................................................................................. REF 1 I. INTRODUCTION TO THE NATIONAL FLOOD INSURANCE PROGRAM ................. REF 1 II. THE WRITE YOUR OWN PROGRAM......................................................................... REF 1 III. TECHNICAL ASSISTANCE ......................................................................................... REF 2 A. WYO Companies ................................................................................................. REF 2 B. NFIP Servicing Agent (NFIP Direct)..................................................................... REF 2 C. Special Direct Facility........................................................................................... REF 2 PAPERWORK BURDEN DISCLOSURE NOTICE................................................................ REF 7 GENERAL RULES ..................................................................................................................... GR 1 I. COMMUNITY ELIGIBILITY .......................................................................................... GR 1 A. Participating (Eligible) Communities .................................................................... GR 1 B. Emergency Program ............................................................................................ GR 1 C. Regular Program.................................................................................................. GR 1 D. Maps..................................................................................................................... GR 1 E. Probation.............................................................................................................. GR 1 F. Suspension........................................................................................................... GR 1 G. Non-Participating (Ineligible) Communities.......................................................... GR 1 H. Coastal Barrier Resources Act............................................................................. GR 1 I. Federal Land ........................................................................................................ GR 1 II. POLICIES AND PRODUCTS AVAILABLE................................................................... GR 1 A. Standard Flood Insurance Policy ......................................................................... GR 1 B. Insurance Products .............................................................................................. GR 2 III. BUILDING PROPERTY ELIGIBILITY .......................................................................... GR 3 A. Eligible Buildings .................................................................................................. GR 3 B. Single Building ..................................................................................................... GR 5 C. Walls..................................................................................................................... GR 5 D. Determination of Building Occupancy.................................................................. GR 5 IV. CONTENTS ELIGIBILITY............................................................................................. GR 6 A. Eligible Contents .................................................................................................. GR 6 B. Vehicles and Equipment ...................................................................................... GR 6 C. Silos, Grain Storage Buildings, and Cisterns....................................................... GR 6 D. Commercial Contents Coverage.......................................................................... GR 6 V. EXAMPLES OF ELIGIBLE RISKS ............................................................................... GR 6 A. Building Coverage................................................................................................ GR 6 B. Contents Coverage .............................................................................................. GR 6 C. Condominiums ..................................................................................................... GR 6 VI. INELIGIBLE PROPERTY ............................................................................................. GR 6 A. Buildings............................................................................................................... GR 6 B. Container-Type Buildings..................................................................................... GR 7 C. Buildings Entirely Over Water .............................................................................. GR 7 D. Buildings Partially Underground........................................................................... GR 7 E. Basement/Elevated Building Enclosures ............................................................. GR 7 TABLE OF CONTENTS (Continued) SECTION PAGE VII. EXAMPLES OF INELIGIBLE RISKS............................................................................ GR 7 A. Building Coverage................................................................................................ GR 7 B. Contents Coverage .............................................................................................. GR 7 C. Non-Residential Condominium Unit..................................................................... GR 8 VIII. POLICY EFFECTIVE DATE......................................................................................... GR 8 A. Evidence of Insurance.......................................................................................... GR 8 B. Start of Waiting Period ......................................................................................... GR 8 C. Effective Date....................................................................................................... GR 8 IX. COVERAGE ................................................................................................................. GR 10 A. Limits of Coverage ............................................................................................... GR 10 B. Deductibles........................................................................................................... GR 10 C. Coverage D - Increased Cost of Compliance (ICC) Coverage............................ GR 10 D. Reduction of Coverage Limits or Reformation..................................................... GR 11 E. Loss Assessments ............................................................................................... GR 11 X. SPECIAL RATING SITUATIONS ................................................................................. GR 12 A. Tentative Rates .................................................................................................... GR 12 B. Submit-For-Rate................................................................................................... GR 12 C. Provisional Rates ................................................................................................. GR 12 D. Buildings in More Than One Flood Zone ............................................................. GR 12 XI. MISCELLANEOUS RULES.......................................................................................... GR 12 A. Policy Term .......................................................................................................... GR 12 B. Application Submission........................................................................................ GR 12 C. Delivery of the Policy............................................................................................ GR 12 D. Assignment........................................................................................................... GR 12 E. Producers’ Commissions (Direct Business Only) ................................................ GR 13 APPLICATION............................................................................................................................ APP1 I. USE OF THE FORM .................................................................................................... APP 1 II. TYPES OF BUILDINGS ............................................................................................... APP 1 III. SCHEDULED BUILDING POLICY ............................................................................... APP 1 IV. COMPLETING PART 1 OF THE FLOOD INSURANCE APPLICATION FORM ......... APP 1 A. Policy Status......................................................................................................... APP 1 B. Policy Term (Billing/Policy Period) ....................................................................... APP 1 C. Agent Information................................................................................................. APP 2 D. Insured Mail Address ........................................................................................... APP 2 E. Disaster Assistance.............................................................................................. APP 2 F. First Mortgagee .................................................................................................... APP 2 G. Second Mortgagee or Other................................................................................. APP 2 H. Property Location ................................................................................................ APP 2 I. Community ........................................................................................................... APP 2 J. Building ................................................................................................................ APP 3 K. Contents............................................................................................................... APP 4 L. Construction Data ................................................................................................ APP 4 M. Coverage and Rating ........................................................................................... APP 6 N. Signature.............................................................................................................. APP 6 TABLE OF CONTENTS (Continued) SECTION PAGE V. COMPLETING PART 2 OF THE FLOOD INSURANCE APPLICATION FORM ......... APP 6 Section I - All Building Types........................................................................................ APP 7 Section II - Elevated Buildings...................................................................................... APP 7 Section III - Manufactured (Mobile) Homes/Travel Trailers.......................................... APP 7 VI. MAILING INSTRUCTIONS........................................................................................... APP 8 VII. HANDLING OF INCOMPLETE OR INCORRECT APPLICATIONS ............................ APP 8 RATING ...................................................................................................................................... RATE 1 I. AMOUNT OF INSURANCE AVAILABLE ..................................................................... RATE 1 II. RATE TABLES ............................................................................................................. RATE 1 III. DEDUCTIBLES ............................................................................................................ RATE 12 A. Buy-Back Deductibles..........................................................................................RATE 12 B. Changes in Deductible Amount............................................................................ RATE 12 IV. INCREASED COST OF COMPLIANCE (ICC) COVERAGE ....................................... RATE 14 V. RATING STEPS ........................................................................................................... RATE 15 VI. PREMIUM CALCULATION .......................................................................................... RATE 16 A. Emergency Program ............................................................................................ RATE 16 B. Regular Program.................................................................................................. RATE 16 VII. KEY POINTS FOR RATING......................................................................................... RATE 17 A. Basic Limits and Additional Limits........................................................................ RATE 17 B. Whole Dollars....................................................................................................... RATE 17 C. Increased Cost of Compliance (ICC) Premium.................................................... RATE 17 D. Federal Policy Fee ............................................................................................... RATE 17 E. Buildings in More Than One Flood Zone ............................................................. RATE 17 F. Mortgagee on Policy--Higher Deductible Requested........................................... RATE 17 VIII. REGULAR PROGRAM, POST-FIRM ELEVATION-RATED RISKS............................ RATE 17 A. Elevation Difference............................................................................................. RATE 17 B. Examples.............................................................................................................. RATE 18 C. Optional Elevation Rating..................................................................................... RATE 19 IX. PRE-FIRM ELEVATED BUILDING RATED AT PRE-FIRM RATES............................ RATE 19 X. AR ZONE AND AR DUAL ZONE RATING................................................................... RATE 19 XI. POST-FIRM AO ZONE RATING.................................................................................. RATE 19 XII. POST-FIRM RATING OF ELEVATED BUILDINGS IN ZONES B, C, X, A99, AND D......................................................................................................................... RATE 19 XIII. REGULAR PROGRAM V ZONE POST-FIRM CONSTRUCTION............................... RATE 19 A. Rating All V Zone Buildings.................................................................................. RATE 19 B. Zones VE and V1-V30--Enclosure Containing Machinery or Equipment Below BFE ...................................................................................... RATE 19 TABLE OF CONTENTS (Continued) SECTION PAGE C. 1975-81 Post-FIRM V Zone Construction............................................................ RATE 20 D. 1981 Post-FIRM V Zone Construction ................................................................. RATE 20 E. Elevated Buildings--1981 Post-FIRM V Zone Construction................................. RATE 20 XIV. SPECIAL RATING SITUATIONS ................................................................................. RATE 21 A. Tentative Rates .................................................................................................... RATE 21 B. Alternative Rates.................................................................................................. RATE 21 C. Map "Grandfather" Rules--Effect of Map Revisions on Flood Insurance Rates .. RATE 21 D. Post-’81 V Zone Optional Rating.......................................................................... RATE 23 E. Policies Requiring Re-Rating ............................................................................... RATE 23 F. Submit-for-Rate.................................................................................................... RATE 24 G. Crawl Space......................................................................................................... RATE 24A XV. CONTENTS LOCATION .............................................................................................. RATE 25 A. Single Family Dwellings ....................................................................................... RATE 25 B. Multi-Family and Non-Residential Buildings ........................................................ RATE 25 XVI. FIRMS WITH WAVE HEIGHTS ................................................................................... RATE 29 A. Procedure for Calculating Wave Height Adjustment............................................ RATE 29 B. Wave Heights in Numbered Zones V1-V30 and VE 1981 Post-FIRM Construction ....................................................................................................... RATE 29 C. Unnumbered V Zones 1981 Post-FIRM Construction ......................................... RATE 30 D. Rate Selection Procedure .................................................................................... RATE 30 XVII. FLOODPROOFED BUILDINGS................................................................................... RATE 30 A. Elevation Difference............................................................................................. RATE 30 B. Rating................................................................................................................... RATE 30 XVIII.THE V-ZONE RISK FACTOR RATING FORM ............................................................ RATE 31 A. Use ..................................................................................................................... RATE 31 B. Submission........................................................................................................... RATE 31 XIX. RATING EXAMPLES.................................................................................................... RATE 47 CONDOMINIUMS ..................................................................................................................... CONDO 1 I. METHODS OF INSURING CONDOMINIUMS............................................................. CONDO 1 A. Residential Condominium: Association Coverage on Building and Contents .... CONDO 1 B. Residential Condominium: Unit Owner's Coverage on Building and Contents. . CONDO 1 C. Other Residential Condominium: Condominium Association Policy, Association Coverage on Building and Contents............................................... CONDO 1 D. Nonresidential (Commercial) Condominium: Building and Contents.................. CONDO 2 E. Nonresidential (Commercial) Condominium: Unit Owner's Coverage (Contents)........................................................................................................... CONDO 2 II. POLICY FORM............................................................................................................. CONDO 6 III. ELIGIBILITY REQUIREMENTS ................................................................................... CONDO 6 A. General Building Eligibility.................................................................................... CONDO 6 B. Condominium Building in the Course of Construction ......................................... CONDO 6 IV. COVERAGE ................................................................................................................. CONDO 6 A. Property Covered ................................................................................................. CONDO 6 B. Coverage Limits ................................................................................................... CONDO 7 C. Replacement Cost and Coinsurance ................................................................... CONDO 7 D. Assessment Coverage......................................................................................... CONDO 7 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. PHOTOGRAPH 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 4 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 A. Filing a Claim........................................................................................................ CL 1 B. Appealing a Claim ................................................................................................ CL 1 II. PRODUCER'S RESPONSIBILITIES............................................................................ CL 3 III. SINGLE ADJUSTER PROGRAM IMPLEMENTATION ............................................... CL 3 A. Schedule and Notification .................................................................................... CL 3 B. Training ................................................................................................................ CL 4 C. Producer Responsibilities..................................................................................... CL 4 IV. INCREASED COST OF COMPLIANCE (ICC) CLAIMS .............................................. CL 4 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 REFERENCE I. INTRODUCTION TO THE NATIONAL FLOOD INSURANCE PROGRAM The National Flood Insurance Program (NFIP) was established by the National Flood Insurance Act of 1968. The Act was in response to Congress finding that: • Flooding disasters required unforeseen disaster relief and placed an increased burden on the nation's resources. • The installation of flood preventive and protective measures and other public programs designed to reduce losses caused by flood damage had not been sufficient to adequately protect against the growing exposure to flood losses as a matter of national policy. A reasonable method of slowing the risk of flood losses would be through a program of flood insurance that could complement and encourage preventive and protective measures. • Many factors made it uneconomical for the private insurance industry carriers to make flood insurance available to those in need of such protection on reasonable terms and conditions. • A program of flood insurance with large-scale participation of the federal government and the maximum extent practicable by the private industry was feasible and could be initiated. Congress stated that the purpose in passing the Act was to: • Authorize a flood insurance program that, over time, could be made available on a nationwide basis through the cooperative effort of the federal government and the private insurance industry. • Provide flexibility in the program so that such flood insurance would be based on workable methods of pooling risks, minimizing costs, and distributing burdens equitably among the general public and those who would be protected by flood insurance. • Encourage state and local governments to use wisely the lands under their jurisdictions by considering the hazard of flood when rendering decisions on the future use of such land, thus minimizing damage caused by flooding. From 1968 until 1979, the NFIP was administered by the U.S. Department of Housing and Urban Development. When the Federal Emergency Management Agency (FEMA) was established in 1979, administration of the NFIP was transferred to that agency. In March 2003, FEMA became part of the newly created U.S. Department of Homeland Security. The NFIP is a program in which communities formally agree, as evidenced by their adoption of codes and ordinances, to regulate the use of their flood-prone lands. In return, FEMA makes flood insurance coverage available on buildings and their contents throughout the community. FEMA has traditionally identified these flood hazard areas on maps, which are provided to communities for carrying out their responsibilities. The maps are also used by insurance producers to determine rates and by lenders to determine purchase requirements. II. THE WRITE YOUR OWN PROGRAM The Write Your Own (WYO) Program, begun in 1983, is a cooperative undertaking of FEMA and the private insurance industry. The WYO Program operates within the context of the NFIP and is subject to its rules and regulations. WYO allows participating property and casualty insurance companies to write and service federal flood insurance in their own names. The companies receive an expense allowance for policies written and claims processed while the federal government retains responsibility for underwriting losses. Individual WYO Companies may, to the extent possible, and consistent with Program rules and regulations, conform their flood business to their normal business practices for other lines of insurance. Many producers have elected to move or place their flood policies with one or more of the WYO Companies they represent. In brief, the producer has the following options: • Place all business with one or more WYO Companies; • Place business with both the NFIP directly and with one or more WYO Companies; or • Continue to place all flood insurance directly with the NFIP (referred to as "NFIP direct business"). The goals of the Program are to increase the policy base, improve services, and involve the insurance companies. III. TECHNICAL ASSISTANCE In order to provide the most efficient service to policyholders, follow these procedures when requesting technical assistance in connection with the sale and servicing of Standard Flood Insurance Policies. It is essential that all parties—WYO companies, the National Flood Insurance Program’s Bureau and Statistical Agent, the NFIP Servicing Agent, insurance agents and adjusters—comply. A. WYO Companies Agents and adjusters servicing flood insurance business through one of the Write Your Own (WYO) companies should direct questions and requests for technical assistance to the WYO Company itself. If the WYO Company needs technical assistance, then it will contact its Business Analyst at the NFIP’s Bureau and Statistical Agent. If the Business Analyst, with the assistance of technical experts at the Bureau, cannot provide the needed assistance, the Bureau will direct the inquiry to FEMA for an answer. B. NFIP Servicing Agent (NFIP Direct) Agents and adjusters servicing flood insurance business through the NFIP Servicing Agent should contact the NFIP Servicing Agent for the answer to technical questions or the resolution of technical problems connected with the NFIP. If the NFIP Servicing Agent cannot provide the needed assistance, it will contact FEMA for an answer. C. Special Direct Facility Agents and adjusters serving flood insurance policies identified as targeted repetitive loss properties should contact the Special Direct Facility established by the NFIP Servicing Agent for technical assistance. See the Severe Repetitive Loss section of this manual for more information. 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/business/ nfip/cbrs/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 Thomas Gann Connecticut, Maine, Massachusetts, 140 Wood Road Territorial Manager New Hampshire, Rhode Island, Braintree, MA 02184-2513 Vermont Phone: 781-848-1908 Fax: 781-356-4142 Region II Suite 200 Thomas Gann New Jersey, New York 140 Wood Road Acting Regional Manager Braintree, MA 02184-2513 Phone: 781-848-1908 Fax: 781-356-4142 Region III Executive Quarters Q-24 Richard Sobota, CPCU Delaware, District of Columbia, 1930 East Marlton Pike Regional Manager Maryland, Pennsylvania, Virginia, Cherry Hill, NJ 08003 West Virginia Phone: 856-489-4003 Fax: 856-751-2817 Region IV – Atlanta Office P.O. Box 2706 Roger Widdifield Alabama, Georgia, Kentucky, Suwanee, GA 30024-0984 Territorial Manager Mississippi, North Carolina, South Phone: 770-887-6865 Carolina, Tennessee Fax: 770-887-6878 Region IV – Tampa Office P.O. Box 1046 Lynne Magel Florida Zephyrhills, FL 33539-1046 Program Specialist 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: 7038-326-3074 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: 785-242-1097 Fax: 785-242-4338 Region VIII 12420 W. 20th Avenue Lakewood, CO 80215-1065 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: 425-908-7639 NFIP BUREAU AND STATISTICAL AGENT REGIONAL STAFF Richard Slevin Regional Manager Dorothy Martinez, CFM Regional Manager Dean Ownby, CPCU Territorial Manager Norman Ashford, CPCU Territorial Manager George Blaufuss Regional Manager Leslie Melville, CFM 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 PAPERWORK BURDEN DISCLOSURE NOTICE GENERAL—This information is provided pursuant to Public Law 96-511 (Paperwork Reduction Act of 1980, as amended), dated December 11, 1980, to allow the public to participate more fully and meaningfully in the Federal paperwork review process. AUTHORITY—Public Law 96-511, amended; 44 U.S.C. 3507; and 5 CFR 1320 DISCLOSURE OF BURDEN—Public reporting burden for the collection of information entitled "National Flood Insurance Program Policy Forms," is estimated to average 10 minutes per response, excluding the V-Zone Risk Factor Rating Form. The estimated burden includes the time for reviewing instructions, searching existing data sources, gathering and maintaining the data needed, and completing and reviewing the forms. Reporting burden for these forms, as part of this collection, is listed below. Send comments regarding the burden estimate or any aspect of the collection, including suggestions for reducing the burden, to: U.S. Department of Homeland Security, Federal Emergency Management Agency, 500 C Street, S.W., Washington, D.C. 20472, Paperwork Reduction Project (1660-0006). NOTE: Do not send completed forms to this address. PRIVACY ACT—The information requested is necessary to process these forms for flood insurance. The authority to collect the information is Title 42, U.S. Code, Sections 4001 to 4028. Furnishing the information is voluntary. It will not be disclosed outside the Federal Emergency Management Agency except to the servicing office acting as the government's fiscal agent, to routine users, to agents, and mortgagees named on policies. FEMA FORM NUMBER TITLE BURDEN HOURS 81-16 Application for Flood Insurance (New) 12.00 Minutes 81-16 Application for Flood Insurance (Renewal) 7.50 Minutes 81-17 Cancellation/Nullification Request 7.50 Minutes 81-18 General Change Endorsement (w/Premium) 9.00 Minutes 81-18 General Change Endorsement (w/o Premium) 9.00 Minutes 81-25 V-Zone Risk Factor Rating 6.00 Hours 81-67 Preferred Risk Application 15.00 Minutes B. Single Building To qualify as a single building structure and be subject to the single building limits of coverage, a building must be separated from other buildings by intervening clear space or solid, vertical, load-bearing division walls. A building separated into divisions by solid, vertical, load-bearing walls from its lowest level to its highest ceiling may have each division insured as a separate building. A solid load-bearing interior wall cannot have any openings and must not provide access from one building or room into another (partial walls). However, if access is available through a doorway or opening, then the structure must be insured as one building unless the building is self contained; it is a separately titled building contiguous to the ground; it has a separate legal description; and it is regarded as a separate property for other real estate purposes, meaning that it has most of its own utilities and may be deeded, conveyed, and taxed separately. Additions and Extensions The NFIP insures additions and extensions attached to and in contact with the building by means of a rigid exterior wall, a solid load-bearing interior wall, a stairway, an elevated walkway, or a roof. At the insured’s option, additions and extensions connected by any of these methods may be separately insured. Additions and extensions attached to and in contact with the building by means of a common interior wall that is not a solid load-bearing wall are always considered part of the building and cannot be separately insured. C. Walls 1. Breakaway Walls For an enclosure's wall to qualify as breakaway, it must meet all of the following criteria: a. Above ground level; and b. Below the elevated floor of an elevated structure; and c. Non-structurally supporting (non-loadbearing walls); and d. Designed to fail under certain wave force conditions; and e. Designed so that, as a result of failure, it causes no damage to the elevated portions of the elevated building and/or its supporting foundation system. 2. Shear Walls Shear walls are used for structural support, but are not structurally joined or enclosed at the ends (except by breakaway walls). Shear walls are parallel (or nearly parallel) to the flow of the water and can be used in any zone. 3. Solid Perimeter Foundation Walls Solid perimeter foundation walls are used as a means of elevating the building in A Zones and must contain proper openings to allow for the unimpeded flow of floodwaters more than 1 foot deep. Solid perimeter foundation walls are not an acceptable means of elevating buildings in V/VE Zones. D. Determination of Building Occupancy The following terms should be used to determine the appropriate occupancy classification: 1. Single Family Dwellings These are non-condominium residential buildings designed for principal use as a dwelling place for one family, or a single-family dwelling unit in a condominium building. Residential single family dwellings are permitted incidental occupancies, including structures with office, professional, private school, or studio occupancies, including a small service operation, if such occupancies are limited to less than 50 percent of the building's total floor area. 2. 2-4 Family Dwellings These are non-condominium residential buildings designed for principal use as a dwelling place of two to four families. Residential buildings, excluding hotels and motels with normal room rentals for less than 6 months' duration and containing no more than 4 dwelling units, are permitted incidental occupancies (see D.1 above). The total area of incidental occupancy is limited to less than 25 percent of the total floor area within the V. EXAMPLES OF ELIGIBLE RISKS building. Since the question of coverage eligibility has 3. Other Residential Buildings frequently been raised, examples of eligible risks are provided below. These include hotels or motels where the normal occupancy of a guest is 6 months or A. Building Coverage more, or a tourist home or rooming house which has more than four roomers. This also 1. Cooperative Building--Entire Building in includes residential buildings, excluding Name of Cooperative (General Property hotels and motels with normal room rentals Form) for less than 6 months' duration and Cooperative buildings where at least 75 containing more than four dwelling units. percent of the area of the building is used for These buildings are permitted incidental residential purposes are considered as occupancies (see D.1 above). The total area residential occupancies, and can be insured of incidental occupancy is limited to less than for a maximum building coverage of 25 percent of the total floor area within the $250,000 in a Regular Program community building. Examples of other residential under the General Property Form. Since they buildings include dormitories and assisted are not in the condominium form of living facilities. ownership, they cannot be insured under the RCBAP. 4. Non-Residential Buildings 2. Time Sharing Building--Entire Building in This category includes all other eligible Name of Corporation (General Property occupancies (e.g., garages, poolhouses, Form) recreational buildings, agricultural buildings, licensed bed and breakfasts, nursing Timeshare buildings not in the condominium homes, etc.). form of ownership where at least 75 percent of the area of the building is used for IV. CONTENTS ELIGIBILITY residential purposes are considered as residential occupancies under the NFIP, and A. Eligible Contents can be insured for a maximum building Contents must be located in a fully enclosed coverage of $250,000 under the General building or secured to prevent flotation out of the Property Form. building. Timeshare buildings in the condominium form of ownership are eligible for coverage and B. Vehicles and Equipment must be insured under the RCBAP. These The NFIP covers self-propelled vehicles or buildings are subject to the same eligibility, machines, provided they are not licensed for use rating, and coverage requirements as other on public roads and are: condominiums, including the requirement that 75 percent of the area of the building be used 1. Used mainly to service the described for residential purposes. location; or B. Contents Coverage 2. Designed and used to assist handicapped Parts and equipment as open stock—not part of persons; specific vehicle or motorized equipment—are eligible for coverage. while the vehicles or machines are inside a building at the described location. C. Condominiums C. Silos, Grain Storage Buildings, and Refer to pages CONDO 3-5. Cisterns VI. INELIGIBLE PROPERTY Contents located in silos, grain storage buildings, and cisterns are insurable. A. Buildings D. Commercial Contents Coverage Coverage may not be available for buildings that are constructed or altered in such a way as to Commercial contents in a residential property place them in violation of state or local floodplain must be insured on the General Property Form. management laws, regulations, or ordinances. GR 6 May 1, 2006 Contents and personal property contained in these buildings are ineligible for coverage. For example, section 1316 of the National Flood Insurance Act of 1968 allows the states to declare a structure to be in violation of a law, regulation, or ordinance. Flood insurance is not available for properties that are placed on the 1316 Property List. Insurance availability is restored once the violation is corrected and the 1316 Declaration has been rescinded. B. Container-Type Buildings Gas and liquid tanks, chemical or reactor container tanks or enclosures, brick kilns, and similar units, and their contents are ineligible for coverage. C. Buildings Entirely Over Water Buildings newly constructed or substantially improved on or after October 1, 1982, and located entirely in, on, or over water or seaward of mean high tide are ineligible for coverage. D. Buildings Partially Underground If 50 percent or more of the building's actual cash value, including the machinery and equipment, which are part of the building, is below ground level, the building or units and their contents are ineligible for coverage unless the lowest level is at or above the BFE and is below ground by reason of earth having been used as insulation material in conjunction with energy efficient building techniques. E. Basement/Elevated Building Enclosures Certain specific property in basements and under elevated floors of buildings is excluded from coverage. See the policy contract for specific information. VII. EXAMPLES OF INELIGIBLE RISKS Some specific examples of ineligible risks are provided below. See the policy for a definitive listing of property not covered. A. Building Coverage 1. Boat Repair Dock 2. Boat Storage Over Water 3. Boathouses (exceptions on page GR 4) 4. Camper 5. Cooperative Unit Within Cooperative Building 6. Decks (except for steps and landing; maximum landing area of 16 sq. ft.) 7. Drive-In Bank Teller Unit (located outside walls of building) 8. Fuel Pump 9. Gazebo (unless it qualifies as a building) 10. Greenhouse (unless it has at least two rigid walls and a roof) 11. Hot tub or spa (unless it is installed as a bathroom fixture) 12. Open Stadium 13. Pavilion (unless it qualifies as a building) 14. Pole Barn (unless it qualifies as a building) 15. Pumping Station (unless it qualifies as a building) 16. Storage Tank--Gasoline, Water, Chemicals, Sugar, etc. 17. Swimming Pool Bubble 18. Swimming Pool (indoor or outdoor) 19. Tennis Bubble 20. Tent 21. Time Sharing Unit Within Multi-Unit Building 22. Travel Trailer (unless converted to a permanent onsite building meeting the community's floodplain management permit requirements) 23. Water Treatment Plant (unless 51 percent of its actual cash value is above ground) B. Contents Coverage 1. Automobiles--Including Dealer's Stock (assembled or not) 2. Bailee's Customer Goods--Including garment contractors, cleaners, shoe repair shops, processors of goods belonging to others, and similar risks 3. Contents Located in a Structure Not Eligible for Building Coverage 4. Contents Located in a Building Not Fully Walled and/or Contents Not Secured Against Flotation 5. Motorcycles--Including Dealer's Stock (assembled or not) 6. Motorized Equipment--Including Dealer's Stock (assembled or not) C. Non-Residential Condominium Unit The owner of a non-residential condominium unit cannot purchase a unit owner's policy. The association can purchase a condominium association policy to cover the entire building. Contents-only coverage may be purchased by the unit owner. VIII. POLICY EFFECTIVE DATE A. Evidence of Insurance A copy of the Flood Insurance Application and premium payment, or a copy of the declarations page, is sufficient evidence of proof of purchase. The NFIP does not recognize an oral binder or contract of insurance. B. Start of Waiting Period There is a standard 30-day waiting period for new applications and for endorsements to increase coverage. 1. If the application or endorsement form and the premium payment are received at the NFIP within 10 days from the date of application or endorsement request, or if mailed by certified mail within 4 days from the date of application or endorsement request, then the waiting period will be calculated from the application or endorsement date. Use the application date or endorsement date plus 9 days to determine if the application or endorsement and premium payment were received within 10 days. When sent by certified mail, use the application date or endorsement date plus 3 days to determine if the application or endorsement and premium payment were mailed within 4 days. 2. If the application or endorsement form and the premium payment are received at the NFIP after 10 days from the date of application or endorsement request, or are not mailed by certified mail within 4 days from the date of application or endorsement request, then the waiting period will be calculated from the date the NFIP receives the application or endorsement. As used in VIIl.B.1. and 2. above, the term “certified mail” extends to not only the U.S. Postal Service but also certain third-party delivery services. Acceptable third-party delivery services include Federal Express (FedEx), United Parcel Service (UPS), and courier services and the like that provide proof of mailing. Third-party delivery is acceptable if the delivery service provides documentation of the actual mailing date and delivery date to the NFIP insurer. Bear in mind that third-party delivery services deliver to street addresses but cannot deliver to U.S. Postal Service post office boxes. C. Effective Date 1. New Policy (other than 2, 3, or 4 below)-The effective date of a new policy will be 12:01 a.m., local time, on the 30th calendar day after the application date and the presentment of premium. (Example: a policy applied for on May 3 will become effective 12:01 a.m., local time, on June 2.) The effective date of coverage is subject to the waiting period rule listed under B.1 or B.2 above. 2. New Policy (in connection with making, increasing, extending, or renewing a loan, whether conventional or otherwise)--Flood insurance, which is initially purchased in connection with the making, increasing, extending, or renewal of a loan, shall be effective at the time of loan closing, provided that the policy is applied for and the presentment of premium is made at or prior to the loan closing. (Example: presentment of premium and application date--April 3, refinancing--April 3 at 3:00 p.m., policy effective date--April 3 at 3:00 p.m.) This rule applies to all buildings regardless of flood zone. The waiting period rule listed under B.1 or B.2 above does not apply. 3. New Policy (in connection with lender requirement)--The 30-day waiting period does not apply when flood insurance is required as a result of a lender determining that a loan on a building in a Special Flood Hazard Area (SFHA) that does not have flood insurance coverage should be protected by flood insurance. The coverage is effective upon the completion of an application and the presentment of payment of premium. (Example: presentment of premium and application date--April 3, policy effective date--April 3.) The waiting period rule listed under B.1 or B.2 must be used. 4. New Policy (when the initial purchase of flood insurance is in connection with the revision or updating of a Flood Hazard Boundary Map or Flood Insurance Rate Map)--During the 13-month period beginning on the effective date of the map revision, the effective date of a new policy shall be 12:01 a.m., local time, following the 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 coverage should be protected by flood insurance, because the building securing a loan is located in an SFHA. The coverage is effective upon the completion of an application and the presentment of payment of premium. This exemption from the 30-day waiting period applies only to loans in SFHAs, i.e., those loans for which the statute requires flood insurance. The waiting period rule listed under B.1 or B.2 above must be applied. Third, during the 13-month period beginning on the effective date of a map revision, the effective date of a new policy shall be 12:01 a.m., local time, following the day after the date the increased amount of coverage is applied for and the presentment of additional premium is made. This rule applies only on an initial purchase of flood insurance where the Flood Hazard Boundary Map (FHBM) or Flood Insurance Rate Map (FIRM) is revised to show the building to be in an SFHA when it had not been in an SFHA. The waiting period rule listed under B.1 or B.2 must be applied. 7. New Policy (rewrite Standard to PRP)--The 30-day waiting period does not apply when an insured decides to rewrite the existing policy at the time of renewal from Standard to a Preferred Risk Policy (PRP), provided that the selected PRP coverage limit amount is no higher than the next highest PRP amount above that which was carried on the Standard policy using the highest of building and contents coverage. In those cases where the Standard policy has only one kind of coverage, either building or contents only, the 30-day waiting period applies. In addition, if the structure is no longer eligible under the PRP or the insured decides to rewrite the existing PRP at renewal time to a Standard policy, the 30-day waiting period does not apply provided the coverage limit amount is no more than the previous PRP coverage amount or the next higher PRP amount above that. 8. New Policy (contents only)--Unless the contents are part of the security for a loan, the 30-day waiting period applies to the purchase of contents-only coverage. 9. New Policy (documentation required)--The insurer may rely on an agent’s representation on the application that the loan exception applies unless there is a loss during the first 30 days of the policy period. In that case, the insurer must obtain documentation of the loan transaction, such as settlement papers, before adjusting the loss. 10. Community's Initial Entry or Conversion from Emergency to Regular Program-Process according to rules 1 through 9 above and 11 below. 11. Endorsements--With two exceptions (described below), the effective date for a new coverage or an increase in limits on a policy in force shall be 12:01 a.m., local time, on the 30th calendar day following the date of endorsement and the presentment of additional premium, or on such later date set by the insured to conform with the reason for the change. The waiting period rule listed under B.1 or B.2 above must be used. 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. 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 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 after the endorsement effective date. 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 Standard Flood Insurance Policy (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 non- residential structures and residential structures 3. Residential Condominium Building Asso with basements that satisfy FEMA's standards ciation Policy (RCBAP), section VIII, published in the Code of Federal Regulations [44 paragraph G. CFR 60.6 (b) or (c)]. E. Loss Assessments ICC coverage is mandatory for all SFIPs, except that coverage is not available for: The SFIP provides limited coverage for loss assessments against condominium unit owners for 1. Policies issued or renewed in the flood damage to common areas of any building Emergency Program. owned by the condominium association. The RCBAP does not provide assessment coverage. 2. Condominium units, including townhouse/ The Dwelling Form provides assessment coverage rowhouse condominium units. (The only under the circumstances, and to the extents, condominium association is responsible for described below. complying with mitigation requirements.) 1. No RCBAP 3. Group Flood Insurance Policies. • If the unit owner purchases building 4. Appurtenant structures, unless covered by coverage under the Dwelling Form and a separate policy. there is no RCBAP, the Dwelling Form ICC coverage contains exclusions in addition to responds to a loss assessment against those highlighted here. See the policy for a list of the unit owner for damages to common exclusions. areas, up to the building coverage limit under the Dwelling Form. To be eligible for claim payment under ICC, a • If there is damage to building elements of structure must: the unit as well, the building coverage limit a. Be a repetitive loss structure as defined, for under the Dwelling Form may not be which NFIP paid a previous qualifying claim, exceeded by the combined settlement of in addition to the current claim. The state or unit building damages, which would apply community must have a cumulative, first, and the loss assessment. substantial damage provision or repetitive loss provision in its floodplain management 2. RCBAP Insured to at Least 80 Percent of the law or ordinance being enforced against the Building Replacement Cost structure; OR • If the unit owner purchases building b. Be a structure that has sustained substantial coverage under the Dwelling Form and there is an RCBAP insured to at least 80 flood damage. The state or community must have a substantial damage provision in percent of the building replacement cost at the time of loss, the loss assessment its floodplain management law or ordinance coverage under the Dwelling Form will being enforced against the structure. pay that part of a loss that exceeds 80 The ICC premium is not eligible for the deductible percent of the association’s building discount. First calculate the deductible discount, replacement cost. then add in the ICC premium for each policy year. • The loss assessment coverage under the D. Reduction of Coverage Limits or Dwelling Form will not cover the Reformation association’s policy deductible purchased by the condominium association. In the event that the premium payment received is not sufficient to purchase the amounts of • If there is damage to building elements of insurance requested, the policy shall be deemed the unit as well, the Dwelling Form pays to to provide only such insurance as can be repair unit building elements after the purchased for the entire term of the policy for the RCBAP limits that apply to the unit have been exhausted. The coverage combiamount of premium received. nation cannot exceed the building Complete provisions for reduction of coverage coverage limit under the Dwelling Form. limits or reformation are described in: 3. RCBAP Insured to Less than 80 Percent of 1. Dwelling Form, section VII, paragraph G. the Building Replacement Cost 2. General Property Form, section VII, • If the unit owner purchases building paragraph G. coverage under the Dwelling Form and GR 11 May 1, 2007 there is an RCBAP insured to less than 80 percent of the building replacement cost at the time of loss, the loss assessment coverage cannot be used to reimburse the association for its coinsurance penalty. • The covered damages to the condominium association building must be greater than 80 percent of the building replacement cost at the time of loss before the loss assessment coverage becomes available under the Dwelling Form. Covered repairs to the unit, if applicable, would have priority over loss assessments. For more information on this topic, see “D. Assessment Coverage” on page CONDO 7 and Section III. C. 3. of the Dwelling Form, “Condominium Loss Assessments,” on page POL 8. 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 GR 12 May 1, 2007 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. NOTE: The mailing address may or may not reflect the community where the property is located. Do not rely on the mailing address when determining community status and identification. Because of possible changes in the Flood Insurance Rate Map (FIRM), do not rely on information from a prior policy. Enter the community identification number, map panel number, and revision suffix for the community where the property is located. When there is only one panel (i.e., a flat map), the community number will consist of only six digits. Use the FIRM in effect and that has been published at the time of presentment of premium and completion of application. NOTE: Not all communities that have been assigned NFIP community numbers are participating in the National Flood Insurance Program. Policies may not be written in nonparticipating communities. Community number and status may be obtained by calling the NFIP insurer, by consulting a local community official, or by checking the NFIP Community Status Book online (http://www.fema.gov/fema/csb.shtm). Check YES if the property is located in a Special Flood Hazard Area; otherwise, check NO. Enter the FIRM zone in the space provided. If the program type is Emergency, leave this area blank. Check R if the community is in the Regular Program, or check E if the community is in the Emergency Program. If the community program type is Regular and the building is Pre-FIRM construction, enter the FIRM zone, if known; otherwise, enter UNKNOWN and follow the Alternative Rating procedure explained in the Rating section of this manual. UNKNOWN cannot be used for manufactured homes or other buildings located in a community having flood Zones V or V1-V30 (VE). Determine whether the community is located in a CBRS or OPA. See CBRS section for additional information. J. Building Complete all required information in this section. • Building Occupancy Indicate the type of occupancy for the building (i.e., single family, 2-4 family, other residential, or non-residential). • Basement or Enclosed Area Below an Elevated Building Indicate whether the building contains a basement (i.e., lowest floor is below ground on all sides). If an enclosure is the lowest floor for rating, use the "With Basement/ Enclosure" Rate Table to determine the rate. If the enclosure is not the lowest floor for rating, use the “Without Basement/ Enclosure” Rate Table and describe the building as “Without Basement/Enclosure.” In A zones, this means that the enclosure was designed with proper openings; in Post-FIRM V zones constructed before October 1, 1981, the enclosure is less than 300 square feet with breakaway walls and no machinery or equipment in the enclosure is below the BFE. The writing company may use the “Obstruction Type” description provided in the Transaction Record Reporting and Processing (TRRP) Plan to show the enclosure on the policy declarations page. • Small Business Risk Indicate Yes or No. • Number of Floors or Building Type Indicate the number of floors in the entire building, including the basement/enclosed area if applicable, in the appropriate space. If the building type is a townhouse/rowhouse being covered under an RCBAP, check "Townhouse/Rowhouse (RCBAP Lowrise Only)." If the building is a manufactured (mobile) home or travel trailer on a foundation, check "Manufactured (Mobile) Home on Foundation" regardless of the building’s size. Dimensions of manufactured (mobile) homes and travel trailers are used only for determining replacement cost eligibility, not for rating. • Number of Occupancies (Units) For other than single family dwellings, indicate the number of units. • Condo Coverage If condominium coverage is being purchased, indicate whether the coverage is for a condominium unit or the entire condominium building. • Residential Condominium Building Association Policy For a Residential Condominium Building Association Policy (RCBAP), enter the total number of units (including non-residential) within the building and indicate whether the building is a high-rise or low-rise. The RCBAP covers only a residential condominium building in a Regular Program community. • Estimated Replacement Cost 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. • Insured's Principal Residence Indicate whether the building is the policyholder's principal residence. • Building in Course of Construction Indicate whether the building is in the course of construction. • Deductible and Deductible Buyback Enter the deductible amount for building and/or contents. Also indicate whether the applicant is “buying back” a $500 deductible. Refer to page RATE 12 to buy back a $500 deductible. (See deductible factors on pages RATE 13 and CONDO 22.) • Elevated Building Indicate whether this is an elevated building. If it is, also indicate, in the next block, whether the area below the lowest elevated floor is free of obstruction or with obstruction. For all elevated buildings using elevation for rating, complete Part 2 on the back of the Flood Insurance Application after you have completed Part 1. • Describe Building and Use For other than 1-4 family dwellings, describe the insured building and its use. This includes manufactured (mobile) homes and travel trailers, other residential structures, and non-residential buildings. For all manufactured (mobile) homes and travel trailers, complete Part 2 on the back of the Flood Insurance Application after you have completed Part 1. • State Government Ownership of Property Check YES if the property is owned by state government; otherwise, check NO. K. Contents Check the box that describes the location of the contents to be insured. Describe any contents that are not personal property household contents. If only building insurance is to be purchased, be sure to notify the applicant of the availability of contents insurance. It is recommended that the applicant initial the contents coverage section if no contents insurance is requested. This will make the applicant aware that the policy will not provide payment for contents losses. L. Construction Data 1. Construction Date Check one of the five blocks in the first part of this section, and enter the appropriate date for the date of construction or building permit date. (For substantial improvement, see the “Substantial Improvement Exception” instructions that follow.) In the Emergency Program, provide the month/day/year of construction. If the month and day are unknown, enter July 1 (07/01) and enter the best information for the year of construction. The rest of the sections should be left blank. If the building was constructed or substantially improved on or before December 31, 1974, or before the effective date of the initial FIRM for the community, the building is considered Pre-FIRM construction. Otherwise, the building is considered Post-FIRM. If the building was substantially improved, enter the actual month, day, and year that 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: Elevation Certificates certified on or after January 1, 2007, must be submitted on the new EC form. The EC must meet all of the photograph requirements that are 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. Building photographs are not required. Buildings in the course of construction are to be rated the same as completed construction. A renewal application and a new EC with required building photographs must be submitted 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 as-built 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 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 No Basement/Enclosure Building .76 / .46 Contents .96 / .83 Building .76 / .46 Contents .96 / .69 .96 / .83 .96 / .83 Building .76 / .96 .76 / .80 .81 / 1.01 Contents .96 / .69 .96 / .83 .96 / .83 Building .83 / .89 .88 / .87 .88 / 1.11 .83 / .89 Contents 1.62 / 1.51 1.62 / 1.81 1.62 / .79 With Basement With Enclosure Manufactured (Mobile) Home3 Basement & Above Enclosure & Above Lowest Floor Only - Above Ground Level .81 / .68 .81 / .82 .76 / .46 .96 / .69 .96 / .83 .96 / .83 .81 / .68 .81 / .82 Lowest Floor Above Ground Level and Higher Floors Above Ground Level - More than One Full Floor Manufactured (Mobile) Home3 .96 / .57 .35 / .12 .96 / .57 .35 / .12 1.62 / .67 .24 / .12 1.62 / .79 FIRM ZONES V, VE, V1-V30 OCCUPANCY Single Family 2-4 Family Other Residential Non-Residential No Basement/Enclosure Building .99 / 1.20 Contents 1.23 / 2.06 Building .99 / 1.20 Contents 1.23 / 1.73 1.23 / 2.05 1.23 / 2.05 Building .99 / 2.22 1.06 / 3.31 1.06 / 3.70 Contents 1.23 / 1.73 1.23 / 2.05 1.23 / 2.05 Building 1.10 / 2.30 1.16 / 3.43 1.16 / 3.831.10 / 9.32 Contents 2.14 / 4.05 2.14 / 4.37 2.14 / 3.67 With Basement With Enclosure Manufactured (Mobile) Home3 Basement & Above Enclosure & Above Lowest Floor Only - Above Ground Level 1.06 / 1.79 1.06 / 2.11 .99 / 5.43 1.23 / 1.73 1.23 / 2.05 1.23 / 2.05 1.06 / 1.79 1.06 / 2.11 Lowest Floor Above Ground Level and Higher Floors Above Ground Level - More than One Full Floor Manufactured (Mobile) Home3 1.23 / 1.80 .47 / .29 1.23 / 1.80 .47 / .29 2.14 / 3.16 .45 / .39 2.14 / 8.71 FIRM ZONES A99, B, C, X OCCUPANCY Single Family 2-4 Family Other Residential Non-Residential No Basement/Enclosure Building .71 / .19 Contents 1.09 / .33 Building .71 / .19 Contents Building .67 / .19 .86 / .27 .86 / .31 Contents Building .67 / .19 .86 / .27 .86 / .31 .86 / .35 Contents With Basement With Enclosure Manufactured (Mobile) Home3 .81 / .27 .81 / .31 .71 / .34 1.23 / .39 1.23 / .44 1.09 / .33 .81 / .27 .81 / .31 Basement & Above Enclosure & Above Lowest Floor Only - Above Ground Level 1.39 / .51 1.39 / .59 1.09 / .53 1.39 / .51 1.39 / .59 1.09 / .53 1.43 / .55 1.43 / .66 .88 / .39 Lowest Floor Above Ground Level and Higher Floors Above Ground Level - More than One Full Floor Manufactured (Mobile) Home3 1.09 / .33 .35 / .12 1.09 / .33 .35 / .12 .88 / .28 .22 / .12 .77 / .48 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. TABLE 3A. REGULAR PROGRAM -- POST-FIRM CONSTRUCTION RATES ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) FIRM ZONES A99, B, C, X FIRM ZONE D FIRM ZONES AO, AH ("No Basement" Buildings Only)2 Building Contents OCCUPANCY 1-4 Family Other Res & Non-Res Residential Non- Residential With Certification of Compliance3 .25 / .08 .21 / .08 .34 / .13 .21 / .13 Without Certification of Compliance or Elevation Certificate4 .85 / .19 .92 / .33 1.07 / .22 1.80 / .28 1 The definition of Manufactured (Mobile) Home includes travel trailers. See page APP 3. 2 Zones AO, AH Buildings With Basement/Enclosure: Submit for Rating 3 “With Certification of Compliance” rates are to be used when the Elevation Certificate shows that the lowest floor is equal to or greater than the community's elevation requirement. 4 “Without Certification of Compliance” rates are to be used only on Post-FIRM structures without an Elevation Certificate or when the Elevation Certificate shows that the lowest floor elevation of a Post-FIRM structure is less than the community’s elevation requirement. *** SUBMIT FOR RATING TABLE 3B. REGULAR PROGRAM -- POST-FIRM CONSTRUCTION RATES ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) FIRM ZONES AE, A1-A30 --BUILDING RATES Elevation of Lowest Floor Above or Below BFE1 One Floor, No Basement/Encl More than One Floor, No Basement/Encl More than One Floor, With Basement/Encl Manufactured (Mobile) Home2 1-4 Family Other Residential & Non-Residential 1-4 Family Other Residential & Non-Residential 1-4 Family Other Residential & Non-Residential Single Family Non-Residential +4 .24 / .08 .20 / .08 .24 / .08 .20 / .08 .24/ .08 .20 / .08 .24 / .08 .20 / .08 +3 .24 / .08 .20 / .08 .24 / .08 .20 / .08 .24 / .08 .20 / .08 .25 / .08 .22 / .08 +2 .37 / .08 .26 / .08 .24 / .08 .20 / .08 .24 / .08 .20 / .08 .37 / .08 .31 / .08 +1 .67 / .08 .46 / .10 .42 / .08 .30 / .08 .30 / .08 .24 / .08 .85 / .09 .72 / .08 0 1.31 / .10 1.18 / .20 .95 / .09 .72 / .15 .68 / .09 .55 / .16 2.03 / .10 1.83 / .09 -13 3.31 / 1.21 4.67 / 1.35 2.90 / 1.10 3.59 / .62 1.65 / .61 1.69 / .70 *** *** -2 *** *** *** *** *** *** *** *** FIRM ZONES AE, A1-A30 -- CONTENTS RATES Elevation of Lowest Floor Lowest Floor Only -­Above Ground Level (No Basement/Encl.) Lowest Floor Above Ground Level & Higher Floors (No Basement/Encl.) More than One Floor With Basement/Enclosure Manufactured (Mobile) Home2 Above or Below BFE1 Residential Non-Residential Residential Non-Residential Residential Non-Residential Single Family Non-Residential +4 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .12 +3 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .12 +2 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .31 / .14 +1 .51 / .12 .32 / .18 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .59 / .12 .48 / .20 0 1.22 / .12 .76 / .39 .67 / .12 .52 / .24 .40 / .12 .32 / .12 1.24 / .12 1.13 / .64 -13 3.38 / .75 2.14 / 1.10 1.96 / .58 1.51 / .70 .52 / .12 1.06 / .12 *** *** -2 *** *** *** *** *** *** *** *** FIRM ZONES AE, A1-A30 -- CONTENTS RATES Elevation of Lowest Floor Above Ground Level More than One Full Floor Above or Below BFE1 Single Family 2-4 Family Other Residential Non-Residential +4 .35 / .12 .35 / .12 .22 / .12 +3 .35 / .12 .35 / .12 .22 / .12 +2 .35 / .12 .35 / .12 .22 / .12 +1 .35 / .12 .35 / .12 .22 / .12 0 .35 / .12 .35 / .12 .22 / .12 -1 .35 / .12 .35 / .12 .22 / .12 -2 .35 / .12 .37 / .12 .24 / .12 1 If Lowest Floor is –1 because of attached garage, submit application for special consideration. Rate may be lower. 2 The definition of Manufactured (Mobile) Home includes travel trailers. See page APP 3. 3 Use Submit-for-Rate guidelines if the enclosure below the lowest elevated floor of an elevated building or if the crawl space (under-floor space) that has its interior floor within 2 feet below grade on all sides, which is used for rating, is 1 or more feet below BFE. *** SUBMIT FOR RATING RATE 4 May 1, 2007 TABLE 3C. REGULAR PROGRAM -- POST-FIRM CONSTRUCTION RATES ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) UNNUMBERED ZONE A -- WITHOUT BASEMENT/ENCLOSURE1 Elevation Difference to nearest foot BUILDING RATES CONTENTS RATES TYPE OF ELEVATION CERTIFICATE Occupancy Occupancy 1-4 Family Other & Non-Residential Residential2 Non­Residential2 +5 or more .36 / .10 .48 / .15 .62 / .12 .65 / .12 NO ESTIMATED BASE FLOOD ELEVATION3 +2 to +4 .99 / .13 1.00 / .20 .87 / .17 .98 / .23 +1 1.90 / .64 2.10 / .75 1.54 / .63 1.46 / .72 0 or below *** *** *** *** +2 or more .37 / .08 .34 / .09 .51 / .12 .49 / .12 WITH THE ESTIMATED BASE FLOOD ELEVATION4 0 to +1 .95 / .11 .83 / .18 .77 / .15 .84 / .21 -1 3.03 / 1.15 3.84 / 1.02 2.36 / .67 2.01 / 1.02 -2 or below *** *** *** *** No Elevation Certificate5 3.53 / 1.42 4.79 / 1.70 2.92 / 1.00 2.94 / 1.35 No Elevation Certificate 1 Zone A building with basement (including crawl space below grade on all sides) or enclosure --Submit for Rating. 2 For elevation rated risks other than Single Family, when contents are located one floor or more above lowest floor used for rating --use .35 /.12. 3 Elevation difference is the measured distance between the highest adjacent grade next to the building and the lowest floor of the building. 4 Elevation difference is the measured distance between the estimated BFE provided by the community or registered professional engineer, surveyor, or architect and the lowest floor of the building. 5 For building without basement or enclosure, Elevation Certificate is optional. *** SUBMIT FOR RATING TABLE 3D. REGULAR PROGRAM -- POST-FIRM CONSTRUCTION RATES ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) FIRM ZONES '75-81, V1-V30, VE -- BUILDING RATES1 Elevation of Lowest Floor Above or Below BFE One Floor, No Basement/Encl More than One Floor, No Basement/Encl More than One Floor, With Basement/Encl Manufactured (Mobile) Home2 1-4 Family Other Residential & Non-Residential 1-4 Family Other Residential & Non-Residential 1-4 Family Other Residential & Non-Residential Single Family Non-Residential 03 2.30 / .42 2.79 / 1.08 1.86 / .42 2.02 / 1.01 1.62 / .42 1.81 / .82 3.45 / .34 4.93 / .31 -14 4.92 / 2.52 7.33 / 4.04 4.50 / 2.52 6.32 / 3.07 3.19 / 2.28 3.34 / 3.12 *** *** -2 *** *** *** *** *** *** *** *** FIRM ZONES '75-81, V1-V30, VE -- CONTENTS RATES Elevation of Lowest Floor Only -- Above Ground Level (No Basement/Encl.) Lowest Floor Above Ground Level & Higher Floors (No Basement/Encl.) More than One Floor With Basement/Enclosure Manufactured (Mobile) Home2 Lowest Floor Above or Below BFE Residential Non-Residential Residential Non-Residential Residential Non-Residential Single Family Non-Residential 03 3.57 / .50 3.15 / 2.31 2.32 / .55 2.20 / 1.38 1.31 / .55 1.31 / .55 3.43 / .55 3.58 / 2.95 -14 7.83 / 3.81 7.69 / 6.70 4.62 / 2.95 5.27 / 4.18 1.54 / .55 4.70 / .55 *** *** -2 *** *** *** *** *** *** *** *** FIRM ZONES '75-81, V1-V30, VE -- CONTENTS RATES Elevation of Lowest Floor Above Ground Level More than One Full Floor Above or Below BFE Single Family 2-4 Family Other Residential Non-Residential 03 .55 / .25 .55 / .25 .42 / .25 -14 .55 / .25 .55 / .25 .42 / .25 -2 .55 / .25 .55 / .25 .46 / .25 1 Policies for 1975 through 1981 Post-FIRM and Pre-FIRM buildings in Zones VE and V1-V30 will be allowed to use the Post-’81 V Zone rate table if the rates are more favorable to the insured. See instructions on page RATE 23 for V Zone Optional Rating. 2 The definition of Manufactured (Mobile) Home includes travel trailers. See page APP 3. 3 These rates are to be used if the lowest floor of the building is at or above BFE. 4 Use Submit-for-Rate guidelines if the enclosure below the lowest elevated floor of an elevated building, which is used for rating, is 1 or more feet below BFE. *** SUBMIT FOR RATING FIRM ZONES '75-'81, UNNUMBERED V ZONE SUBMIT FOR RATING TABLE 3E. REGULAR PROGRAM -- POST-FIRM CONSTRUCTION RATES ANNUAL RATES PER $100 OF COVERAGE 1981 POST-FIRM V1-V30, VE ZONE RATES1 Elevation of the lowest floor Elevated Buildings Free of Obstruction3 above or below BFE adjusted for wave height2 Contents Building Residential Non-Residential Replacement Cost Ratio .75 or More4 Replacement Cost Ratio .50 to .744 Replacement Cost Ratio Under .504 +4 or more .34 .34 .56 .75 1.14 +3 .34 .34 .68 .92 1.38 +2 .50 .53 .89 1.19 1.78 +1 .87 .93 1.29 1.72 2.40 0 1.33 1.43 1.65 2.21 3.10 -1 1.93 1.99 2.18 2.87 3.73 -2 2.69 2.83 2.86 3.75 4.79 -3 3.69 3.92 3.69 4.93 6.25 -4 or below *** *** *** *** *** 1Policies for 1975 through 1981 Post-FIRM and Pre-FIRM buildings in Zones VE and V1-V30 will be allowed to use the Post-’81 V Zone rate table if the rates are more favorable to the insured. See instructions on page RATE 23 for V Zone Optional Rating. 2Wave height adjustment is not required in those cases where the Flood Insurance Rate Map indicates that the map includes wave height. 3Free of Obstruction—The space below the lowest elevated floor must be completely free of obstructions or any attachment to the building, or may have: (1) Insect screening, provided that no additional supports are required for the screening; or (2) Wooden or plastic lattice with at least 40 percent of its area open and made of material no thicker than ½ inch; or (3) Wooden or plastic slats or shutters with at least 40 percent of their area open and made of material no thicker than 1 inch. Any of these systems must be designed and installed to collapse under stress without jeopardizing the structural support of the building, so that the impact on the building of abnormally high tides or wind-driven water is minimized. Any machinery or equipment below the lowest elevated floor must be at or above the BFE. 4These percentages represent building replacement cost ratios, which are determined by dividing the amount of building coverage being purchased by the replacement cost. See page RATE 20 for more details. *** SUBMIT FOR RATING 1981 POST-FIRM V1-V30, VE ZONE Non-Elevated Buildings SUBMIT FOR RATING 1981 POST-FIRM UNNUMBERED V ZONE SUBMIT FOR RATING TABLE 3F. REGULAR PROGRAM -- POST-FIRM CONSTRUCTION RATES ANNUAL RATES PER $100 OF COVERAGE 1981 POST-FIRM V1-V30, VE ZONE RATES1,2 Elevation of the lowest floor above or below BFE adjusted for wave height3 Elevated Buildings With Obstruction4 Contents Building Residential Non-Residential Replacement Cost Ratio .75 or More5 Replacement Cost Ratio .50 to .745 Replacement Cost Ratio Under .505 +4 or more .45 .45 1.25 1.67 2.49 +3 .46 .46 1.40 1.84 2.81 +2 .60 .60 1.64 2.14 3.27 +1 1.01 1.07 1.91 2.55 3.69 0 1.44 1.52 2.24 3.07 4.16 -16 1.99 2.11 2.66 3.53 4.75 -26 2.77 2.95 3.31 4.35 5.65 -36 3.78 4.02 4.26 5.54 7.13 -4 or below6 *** *** *** *** *** 1 Policies for 1975 through 1981 Post-FIRM and Pre-FIRM buildings in Zones VE and V1-V30 will be allowed to use the Post-’81 V Zone rate table if the rates are more favorable to the insured. See instructions on page RATE 23 for V Zone Optional Rating. 2 Rates provided are only for elevated buildings, except those elevated on solid perimeter foundation walls. For buildings elevated on solid perimeter foundation walls, and for non-elevated buildings, use the Specific Rating Guidelines document. 3 Wave height adjustment is not required in those cases where the Flood Insurance Rate Map indicates that the map includes wave height. 4 With Obstruction—The space below has an area of less than 300 square feet with breakaway solid walls or contains equipment below the BFE. If the space below has an area of 300 square feet or more, or if any portion of the space below the elevated floor is enclosed with non-breakaway walls, submit for rating. If the enclosure is at or above the BFE, use the “Free of Obstruction” rate table on the preceding page. The elevation of the bottom enclosure floor is the lowest floor for rating (LFE). 5 These percentages represent building replacement cost ratios, which are determined by dividing the amount of building coverage being purchased by the replacement cost. See page RATE 20 for more details. 6 For buildings with obstruction, use Submit-for-Rate guidelines if the enclosure below the lowest elevated floor of an elevated building, which is used for rating, is 1 or more feet below BFE. *** SUBMIT FOR RATING 1981 POST-FIRM UNNUMBERED V ZONE SUBMIT FOR RATING TABLE 4. REGULAR PROGRAM -- FIRM ZONE AR AND AR DUAL ZONES RATES ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) PRE-FIRM NOT ELEVATION-RATED RATES1, 2 1 Start of construction or substantial improvement on or before 12/31/74, or before the effective date of the initial Flood Insurance Rate Map (FIRM). 2 Base Deductible is $1,000. 3 The definition of Manufactured (Mobile) Home includes travel trailers. See Page APP 3. POST-FIRM NOT ELEVATION-RATED RATES1 1 Base Deductible is $500. 2 The definition of Manufactured (Mobile) Home includes travel trailers. See page APP 3. TABLE 5. REGULAR PROGRAM -- PRE-FIRM AND POST-FIRM ELEVATION-RATED RATES ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) FIRM ZONES AR and AR Dual Zones --BUILDING RATES Elevation of Lowest Floor Above or Below BFE One Floor, No Basement/Encl More than One Floor, No Basement/Encl More than One Floor, With Basement/Encl Manufactured (Mobile) Home1 1-4 Family Other Residential & Non-Residential 1-4 Family Other Residential & Non-Residential 1-4 Family Other Residential & Non-Residential Single Family Non-Residential +4 .24 / .08 .20 / .08 .24 / .08 .20 / .08 .24 / .08 .20 / .08 .24 / .08 .20 / .08 +3 .24 / .08 .20 / .08 .24 / .08 .20 / .08 .24 / .08 .20 / .08 .25 / .08 .22 / .08 +2 .37 / .08 .26 / .08 .24 / .08 .20 / .08 .24 / .08 .20 / .08 .37 / .08 .31 / .08 +1 .67 / .08 .46 / .10 .42 / .08 .30 / .08 .30 / .08 .24 / .08 .71 / .34 .72 / .08 0 .71 / .19 .67 / .19 .71 / .19 .67 / .19 .68 / .09 .55 / .16 .71 / .34 .86 / .35 -12 See Footnote2 FIRM ZONES AR and AR Dual Zones --CONTENTS RATES Elevation of Lowest Floor Lowest Floor Only -­Above Ground Level (No Basement/Encl.) Lowest Floor Above Ground Level & Higher Floors (No Basement/Encl.) More than One Floor With Basement/Enclosure Manufactured (Mobile) Home1 Above or Below BFE Residential Non-Residential Residential Non-Residential Residential Non-Residential Single Family Non-Residential +4 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .12 +3 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .12 +2 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .31 / .14 +1 .51 / .12 .32 / .18 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .59 / .12 .48 / .20 0 1.22 / .12 .76 / .39 .67 / .12 .52 / .24 .40 / .12 .32 / .12 1.24 / .12 .77 / .48 -12 See Footnote2 FIRM ZONES AR and AR Dual Zones -- CONTENTS RATES Elevation of Lowest Floor Above or Above Ground Level More than One Full Floor Below BFE Single Family 2-4 Family Other Residential Non-Residential +4 .35 / .12 .35 / .12 .22 / .12 +3 .35 / .12 .35 / .12 .22 / .12 +2 .35 / .12 .35 / .12 .22 / .12 +1 .35 / .12 .35 / .12 .22 / .12 0 .35 / .12 .35 / .12 .22 / .12 -13 .35 / .12 .35 / .12 .22 / .12 -23 .35 / .12 .37 / .12 .24 / .12 1 The definition of Manufactured (Mobile) Home includes travel trailers. See page APP 3. 2 Use Table 4 Pre-FIRM and Post-FIRM Not Elevation-Rated AR and AR Dual Zones Rate Table. 3 These rates are only applicable to Contents-only policies. TABLE 6. PRECALCULATED PRE-FIRM PREMIUM TABLE 1 Premium before applying any CRS credits or optional deductible factors. 2 For building coverage amounts of $230,000 and less, add $75 to the building premium selected from the table above to cover ICC cost, except for D zones. For D zones add $6. For building coverage amounts above $230,000, see Footnote 4 below. 3 Add $30 to the premium selected from the table above to cover Federal Policy Fee. 4 Add $60 to cover the ICC cost for the $250,000 building limit, except for D zones. For D zones add $4. TABLE 7. FEDERAL POLICY FEE AND PROBATION SURCHARGE TABLE FEDERAL POLICY FEE1 PROBATION SURCHARGE $30 $50 1 For the Preferred Risk Policy, the Federal Policy Fee is $11.00. III. DEDUCTIBLES As shown in Table 8A below, the NFIP standard deductible is either $500 or $1,000. The insured may choose a deductible amount different from the standard $500 for Post-FIRM or the standard $1,000 for structures in the Emergency Program and those rated using Pre-FIRM rates in Zones A, AO, AH, A1-A30, AE, VO, V1-V30, VE, V, AR, and AR Dual Zones (AR/AE, AR/AH, AR/AO, AR/A1-A30, AR/A). The optional deductible amount may be applied to policies insuring properties in either Emergency Program or Regular Program communities. Refer to page CONDO 22 for Residential Condominium Building Association Policy optional deductibles. A. Buy-Back Deductibles Policyholders who wish to reduce their deductibles from the standard deductibles of $1,000 for Pre-FIRM SFHA risks may opt to purchase separate $500 deductibles for building and contents coverages, for an additional premium. The deductible factors provided on pages RATE 13 and CONDO 22 must be used to calculate the deductible surcharge. B. Changes in Deductible Amount The amount of the deductible may be increased during the policy term by submitting a completed General Change Endorsement form. The deductible amount may be reduced through the submission of a new Application at the time of renewal. This procedure does not require the completion of the entire Flood Insurance Application. Deductibles cannot be reduced mid­term unless required by the mortgagee and written authorization is provided by the mortgagee. A 30-day waiting period will be applied to reduce the deductible. TABLE 8A. STANDARD DEDUCTIBLES EMERGENCY PROGRAM REGULAR PROGRAM Flood Zone Pre-FIRM Pre-FIRM with Optional Post-FIRM Elevation Rating Post-FIRM $1,000 B, C, X, A99, D $500 $500 A, AO, AH, A1-A30, AE, VO, V1-V30, VE, V, AR, AR/AE, AR/AH, AR/AO, AR/A1-A30, AR/A $1,000 $500 $500 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, 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. 3. If a Pre-FIRM or Post-FIRM building has been declared substantially damaged by a local community official, the agent must verify that the repair and/or reconstruction of the building has been made before the policy can be re-rated using the FIRM in effect at the time of the substantial improvement. In the event that the repair and/or reconstruction have not been made, the writing company may renew the policy using the proper rating prior to the loss. The agent/insured must notify the writing company when the actual repair is completed so the policy can be re-rated usign the correct FIRM. Example: A building was constructed in 1986. Late that year, when the building was purchased and flood insurance was applied for, the building was found to be located in Zone A15. The FIRM was revised in February 2005. In August 2005, a major hurricane caused severe flooding and wind damage in the county in which the building is located. The community declared the building substantially damaged by flood. However, because of widespread devastation throughout the area, the property owner had difficulty finding a repair contractor. When the policy came up for renewal in December, repair of the building had barely begun. The policy may be renewed under its pre-flood rating. 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 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. This page intentionally left blank. EXAMPLE 2 REGULAR PROGRAM, PRE-FIRM CONSTRUCTION, $2,000/$1,000 DEDUCTIBLE OPTION, ZONE B Data Essential To Determine Appropriate Rates and Premium: • Regular Program • Flood Zone: B • Occupancy: Single-Family Dwelling • # of Floors: 2 Floors • Basement/Enclosure: None • Deductible: $2,000/$1,000 • Deductible Factor: .915 • Contents Location: Lowest Floor Above Ground Level and Higher Floors • Date of Construction: Pre-FIRM • Elevation Difference: N/A • Flood Proofed Yes/No: No • Building Coverage: $150,000 • Contents Coverage: $60,000 • ICC Premium: $6 • CRS Rating: N/A • CRS Discount: N/A Determined Rates: Building: .71/.19 Contents: 1.09/.33 COVERAGE INSURANCE RATE BASIC LIMITS AMOUNT OF PREMIUM ANNUAL INSURANCE RATE ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) AMOUNT OF ANNUAL PREMIUM REDUCTION/ INCREASE DEDUCTIBLE PREM. AMOUNT OF INSURANCE BASIC AND ADDITIONAL TOTAL PREMIUM TOTAL BUILDING 50,000 .71 355 100,000 .19 190 -46 150,000 499 CONTENTS 20,000 1.09 218 40,000 .33 132 -30 60,000 320 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT ANNUAL SUBTOTAL 819 . MANUAL . SUBMIT FOR RATING OPTION: ICC PREMIUM 6 . ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD SUBTOTAL 825 . MORTGAGE PORTFOLIO PROTECTION PROGRAM . OTHER: CRS PREMIUM DISCOUNT % . . PROVISIONAL RATING SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) SUBTOTAL 825 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND PROBATION SURCHARGE . THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER FEDERAL POLICY FEE 30 APPLICABLE FEDERAL LAW. TOTAL PREPAID AMOUNT 855 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $545 / Contents: $350 2. Apply Deductible Factor: Building: .915 x $545 = $499 / Contents: .915 x $350 = $320 3. Premium Reduction: Building: $545 - $499 = $46 / Contents: $350 - $320 = $30 4. Subtotal: $819 5. Add ICC Premium: $6 6. Subtract CRS Discount: N/A 7. Subtotal: $825 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $30 10. Total Prepaid Amount: $855 EXAMPLE 3 REGULAR PROGRAM, PRE-FIRM CONSTRUCTION, $500 DEDUCTIBLE OPTION (SURCHARGE), ZONE AE Data Essential To Determine Appropriate Rates and Premium: • Regular Program • Flood Zone: AE • Occupancy: Single-Family Dwelling • # of Floors: 2 Floors • Basement/Enclosure: Enclosure • Deductible: $500/$500 • Deductible Factor: 1.100 (Surcharge) • Contents Location: Enclosure and Above • Date of Construction: Pre-FIRM • Elevation Difference: N/A • Flood Proofed Yes/No: No • Building Coverage: $150,000 • Contents Coverage: $60,000 • ICC Premium: $75 • CRS Rating: N/A • CRS Discount: N/A Determined Rates: Building: .81/.82 Contents: .96/.83 COVERAGE BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM PREM. REDUCTION/ INCREASE TOTAL AMOUNT OF INSURANCE BUILDING 50,000 .81 405 100,000 .82 820 +123 150,000 1,348 CONTENTS 20,000 .96 192 40,000 .83 332 +52 60,000 576 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT ANNUAL SUBTOTAL 1,924 . MANUAL . SUBMIT FOR RATING OPTION: ICC PREMIUM 75 . ALTERNATIVE . V-ZONE RISK RATING FORM . MORTGAGE PORTFOLIO PROTECTION PROGRAM . CREDIT CARD . OTHER: SUBTOTAL CRS PREMIUM DISCOUNT % 1,999 . . PROVISIONAL RATING SUBTOTAL 1,999 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND PROBATION SURCHARGE . THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER FEDERAL POLICY FEE 30 APPLICABLE FEDERAL LAW. SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) TOTAL PREPAID AMOUNT 2,029 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $1,225 / Contents: $524 2. Apply Deductible Factor: Building: 1.100 x $1,225 = $1,348 / Contents: 1.100 x $524 = $576 3. Premium Increase: Building: $1,348 - $1,225 = $123 / Contents: $576 - $524 = $52 4. Subtotal: $1,924 5. Add ICC Premium: $75 6. Subtract CRS Discount: N/A 7. Subtotal: $1,999 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $30 10. Total Prepaid Amount: $2,029 EXAMPLE 4 REGULAR PROGRAM, PRE-FIRM CONSTRUCTION, $3,000/$2,000 DEDUCTIBLE OPTION, ZONE A15 Data Essential To Determine Appropriate Rates and Premium: • Regular Program • Flood Zone: A15 • Occupancy: Single-Family Dwelling • # of Floors: 3 Floors • Basement/Enclosure: Basement • Deductible: $3,000/$2,000 Building and Contents • Deductible Factor: .875 • Contents Location: Basement and Above • Date of Construction: Pre-FIRM • Elevation Difference: N/A • Flood Proofed Yes/No: No • Building Coverage: $250,000 • Contents Coverage: $100,000 • ICC Premium: $60 • CRS Rating: 4 • CRS Discount: 30% Determined Rates: Building: .81/.68 Contents: .96/.69 COVERAGE BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM PREM. REDUCTION/ INCREASE TOTAL AMOUNT OF INSURANCE BUILDING 50,000 .81 405 200,000 .68 1,360 -221 250,000 1,544 CONTENTS 20,000 .96 192 80,000 .69 552 -93 100,000 651 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT ANNUAL SUBTOTAL 2,195 . MANUAL . SUBMIT FOR RATING OPTION: ICC PREMIUM 60 . ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD SUBTOTAL 2,255 . MORTGAGE PORTFOLIO PROTECTION PROGRAM . OTHER: CRS PREMIUM DISCOUNT 30% -677 . PROVISIONAL RATING SUBTOTAL 1,578 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND PROBATION SURCHARGE . THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER FEDERAL POLICY FEE 30 APPLICABLE FEDERAL LAW. SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) TOTAL PREPAID AMOUNT 1,608 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $1,765 / Contents: $744 2. Apply Deductible Factor: Building: .875 x $1,765 = $1,544 / Contents: .875 x $744 = $651 3. Premium Reduction: Building: $1,765 - $1,544 = $221 / Contents: $744 - $651 = $93 4. Subtotal: $2,195 5. Add ICC Premium: $60 6. Subtract CRS Discount: -$677 (30%) 7. Subtotal: $1,578 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $30 10. Total Prepaid Amount: $1,608 EXAMPLE 5 REGULAR PROGRAM, POST-FIRM, ELEVATION RATED, $5,000/$5,000 DEDUCTIBLE OPTION, ZONE AE Data Essential To Determine Appropriate Rates and Premium: • Regular Program • Flood Zone: AE • Occupancy: Non-Residential • # of Floors: 2 Floors • Basement/Enclosure: None • Deductible: $5,000/$5,000 • Deductible Factor: .870 • Contents Location: Above Ground Level and Higher Floors • Date of Construction: Post-FIRM • Elevation Difference: +4 • Flood Proofed Yes/No: No • Building Coverage: $500,000 • Contents Coverage: $500,000 • ICC Premium: $4 • CRS Rating: 5 • CRS Discount: 25% Determined Rates: Building: .20/.08 Contents: .22/.12 COVERAGE BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM PREM. REDUCTION/ INCREASE TOTAL AMOUNT OF INSURANCE BUILDING 150,000 .20 300 350,000 .08 280 -75 500,000 505 CONTENTS 130,000 .22 286 370,000 .12 444 -95 500,000 635 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT ANNUAL SUBTOTAL 1,140 . MANUAL . SUBMIT FOR RATING OPTION: ICC PREMIUM 4 . ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD SUBTOTAL 1,144 . MORTGAGE PORTFOLIO PROTECTION PROGRAM . OTHER: CRS PREMIUM DISCOUNT 25% -286 . PROVISIONAL RATING SUBTOTAL 858 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND PROBATION SURCHARGE . THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER FEDERAL POLICY FEE 30 APPLICABLE FEDERAL LAW. SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) TOTAL PREPAID AMOUNT 888 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $580 / Contents: $730 2. Apply Deductible Factor: Building: .870 x $580 = $505 / Contents: .870 x $730 = $635 3. Premium Reduction: Building: $580 - $505 = $75 / Contents: $730 - $635 = $95 4. Subtotal: $1,140 5. Add ICC Premium: $4 6. Subtract CRS Discount: -$286 (25%) 7. Subtotal: $858 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $30 10. Total Prepaid Amount: $888 EXAMPLE 6 REGULAR PROGRAM, 1975-81 POST-FIRM V1-V30, ELEVATION RATED, ZONE V13 Data Essential To Determine Appropriate Rates and Premium: • Regular Program • Flood Zone: V13 • Occupancy: Single-Family Dwelling • # of Floors: 2 Floors • Basement/Enclosure: None • Deductible: $500/$500 • Deductible Factor: 1.000 • Contents Location: Lowest Floor Above Ground Level and Higher Floors • Date of Construction: 1975 - 81 (Post-FIRM) • Elevation Difference: +1 • Flood Proofed Yes/No: No • Building Coverage: $150,000 • Contents Coverage: $100,000 • ICC Premium: $35 • CRS Rating: 8 • CRS Discount: 10% Determined Rates: Building: 1.86/.42 Contents: 2.32/.55 COVERAGE BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM PREM. REDUCTION/ INCREASE TOTAL AMOUNT OF INSURANCE BUILDING 50,000 1.86 930 100,000 .42 420 0 150,000 1,350 CONTENTS 20,000 2.32 464 80,000 .55 440 0 100,000 904 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT ANNUAL SUBTOTAL 2,254 . MANUAL . SUBMIT FOR RATING OPTION: ICC PREMIUM 35 . ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD SUBTOTAL 2,289 . MORTGAGE PORTFOLIO PROTECTION PROGRAM . OTHER: CRS PREMIUM DISCOUNT 10% -229 . PROVISIONAL RATING SUBTOTAL 2,060 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND PROBATION SURCHARGE . THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER FEDERAL POLICY FEE 30 APPLICABLE FEDERAL LAW. SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) TOTAL PREPAID AMOUNT 2,090 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $1,350 / Contents: $904 2. Apply Deductible Factor: Building: 1.000 x $1,350 = $1,350 / Contents: 1.000 x $904 = $904 3. Premium Reduction/Increase: Building: $0 / Contents: $0 4. Subtotal: $2,254 5. Add ICC Premium: $35 6. Subtract CRS Discount: -$229 (10%) 7. Subtotal: $2,060 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $30 10. Total Prepaid Amount: $2,090 EXAMPLE 7 REGULAR PROGRAM, POST-1981 VE OR V1-V30, WITH ENCLOSURE, ZONE VE Data Essential To Determine Appropriate Rates and Premium: • Regular Program • Flood Zone: VE • Occupancy: Single-Family Dwelling • # of Floors: 3 or More Floors • Basement/Enclosure: Enclosure (< 300 sq. ft., w/o M&E) • Deductible: $3,000/$3,000 • Deductible Factor: .825 • Contents Location: Lowest Floor Above Ground Level and Higher Floors • Date of Construction: Post-81 • Elevation Difference: -1 • Flood Proofed Yes/No: No • Replacement Cost: $300,000 • Building Coverage: $250,000 • Contents Coverage: $100,000 • ICC Premium: $14 • CRS Rating: 9 • CRS Discount: 5% Determined Rates: Building: 2.66/2.66 Contents: 1.99/1.99 COVERAGE BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM PREM. REDUCTION/ INCREASE TOTAL AMOUNT OF INSURANCE BUILDING 50,000 2.66 1,330 200,000 2.66 5,320 -1,164 250,000 5,486 CONTENTS 20,000 1.99 398 80,000 1.99 1,592 -348 100,000 1,642 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT ANNUAL SUBTOTAL 7,128 . MANUAL . SUBMIT FOR RATING OPTION: ICC PREMIUM 14 . ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD SUBTOTAL 7,142 . MORTGAGE PORTFOLIO PROTECTION PROGRAM . OTHER: CRS PREMIUM DISCOUNT 5% -357 . PROVISIONAL RATING SUBTOTAL 6,785 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND PROBATION SURCHARGE . THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER FEDERAL POLICY FEE 30 APPLICABLE FEDERAL LAW. SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) TOTAL PREPAID AMOUNT 6,815 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $6,650 / Contents: $1,990 2. Apply Deductible Factor: Building: .825 x $6,650 = $5,486 / Contents: .825 x $1,990 = $1,642 3. Premium Reduction: Building: $6,650 - $5,486 = $1,164 / Contents: $1,990 - $1,642 = $348 4. Subtotal: $7,128 5. Add ICC Premium: $14 6. Subtract CRS Discount: -$357 (5%) 7. Subtotal: $6,785 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $30 10. Total Prepaid Amount: $6,815 EXAMPLE 8 REGULAR PROGRAM, POST-FIRM CONSTRUCTION, CONTENTS-ONLY POLICY, ZONE A17 Data Essential To Determine Appropriate Rates and Premium: • Regular Program • Flood Zone: A17 • Occupancy: 2-4 Family Dwelling (Renter’s Policy) • # of Floors: 2 Floors • Basement/Enclosure: None • Deductible: $500 • Deductible Factor: 1.000 • Contents Location: Above Ground Level and Higher Floors • Date of Construction: Post-FIRM • Elevation Difference: +2 • Flood Proofed Yes/No: No • Building Coverage: N/A • Contents Coverage: $100,000 • ICC Premium: N/A • CRS Rating: N/A • CRS Discount: N/A Determined Rates: Building: N/A Contents: .38/.12 COVERAGE BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM PREM. REDUCTION/ INCREASE TOTAL AMOUNT OF INSURANCE BUILDING 0 CONTENTS 20,000 .38 76 80,000 .12 96 0 100,000 172 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT ANNUAL SUBTOTAL 172 . MANUAL . SUBMIT FOR RATING OPTION: ICC PREMIUM . . ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD SUBTOTAL 172 . MORTGAGE PORTFOLIO PROTECTION PROGRAM . OTHER: CRS PREMIUM DISCOUNT % . . PROVISIONAL RATING SUBTOTAL 172 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND PROBATION SURCHARGE . THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER FEDERAL POLICY FEE 30 APPLICABLE FEDERAL LAW. SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) TOTAL PREPAID AMOUNT 202 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: N/A / Contents: $172 2. Apply Deductible Factor: Building: N/A / Contents: 1.000 x $172 = $172 3. Premium Reduction/Increase: Building: N/A / Contents: $0 4. Subtotal: $172 5. Add ICC Premium: N/A 6. Subtract CRS Discount: N/A 7. Subtotal: $172 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $30 10. Total Prepaid Amount: $202 EXAMPLE 9 REGULAR PROGRAM, POST-FIRM, ELEVATION RATED, $5,000/$5,000 DEDUCTIBLE OPTION, ZONE AO Data Essential To Determine Appropriate Rates and Premium: • Regular Program • Flood Zone: AO • Occupancy: Non-Residential • # of Floors: 2 Floors • Basement/Enclosure: None • Deductible: $5,000/$5,000 • Deductible Factor: .870 • Contents Location: Above Ground Level and Higher Floors • Date of Construction: Post-FIRM • Elevation Difference: -1 • Flood Proofed Yes/No: No • Building Coverage: $500,000 • Contents Coverage: $500,000 • ICC Premium: $4 • CRS Rating: 5 • CRS Discount: 25% Determined Rates: Building: .92/.33 Contents: 1.80/.28 COVERAGE BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM PREM. REDUCTION/ INCREASE TOTAL AMOUNT OF INSURANCE BUILDING 150,000 .92 1,380 350,000 .33 1,155 -330 500,000 2,205 CONTENTS 130,000 1.80 2,340 370,000 .28 1,036 -439 500,000 2,937 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT ANNUAL SUBTOTAL 5,142 . MANUAL . SUBMIT FOR RATING OPTION: ICC PREMIUM 4 . ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD SUBTOTAL 5,146 . MORTGAGE PORTFOLIO PROTECTION PROGRAM . OTHER: CRS PREMIUM DISCOUNT 25% -1,287 . PROVISIONAL RATING SUBTOTAL 3,859 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND PROBATION SURCHARGE . THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER FEDERAL POLICY FEE 30 APPLICABLE FEDERAL LAW. SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) TOTAL PREPAID AMOUNT 3,889 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $2,535 / Contents: $3,376 2. Apply Deductible Factor: Building: .870 x $2,535 = $2,205 / Contents: .870 x $3,376 = $2,937 3. Premium Reduction: Building: $2,535 - $2,205 = $330 / Contents: $3,376 - $2,937 = $439 4. Subtotal: $5,142 5. Add ICC Premium: $4 6. Subtract CRS Discount: -$1,287 (25%) 7. Subtotal: $3,859 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $30 10. Total Prepaid Amount: $3,889 EXAMPLE 10 REGULAR PROGRAM, POST-FIRM, ELEVATION RATED, $500/$500 DEDUCTIBLE OPTION, ZONE AO (WITH CERTIFICATION OF COMPLIANCE) Data Essential To Determine Appropriate Rates and Premium: • Regular Program • Flood Zone: AO (With Certification of Compliance) • Occupancy: Single-Family Dwelling • # of Floors: 2 Floors • Basement/Enclosure: None • Deductible: $500/$500 • Deductible Factor: 1.000 • Contents Location: Above Ground Level and Higher Floors • Date of Construction: Post-FIRM • Elevation Difference: +1 • Flood Proofed Yes/No: No • Building Coverage: $250,000 • Contents Coverage: $100,000 • ICC Premium: $4 • CRS Rating: N/A • CRS Discount: N/A Determined Rates: Building: .25/.08 Contents: .34/.13 COVERAGE BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM PREM. REDUCTION/ INCREASE TOTAL AMOUNT OF INSURANCE BUILDING 50,000 .25 125 200,000 .08 160 0 250,000 285 CONTENTS 20,000 .34 68 80,000 .13 104 0 100,000 172 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT ANNUAL SUBTOTAL 457 . MANUAL . SUBMIT FOR RATING OPTION: ICC PREMIUM 4 . ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD SUBTOTAL 461 . MORTGAGE PORTFOLIO PROTECTION PROGRAM . PROVISIONAL RATING . OTHER: CRS PREMIUM DISCOUNT % SUBTOTAL — 461 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND PROBATION SURCHARGE — THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER FEDERAL POLICY FEE 30 APPLICABLE FEDERAL LAW. SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) TOTAL PREPAID AMOUNT 491 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $285 / Contents: $172 2. Apply Deductible Factor: Building: 1.000 x $285 = $285 / Contents: 1.000 x $172 = $172 3. Premium Reduction: Building: $0 / Contents: = $0 4. Subtotal: $457 5. Add ICC Premium: $4 6. Subtract CRS Discount: N/A 7. Subtotal: $461 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $30 10. Total Prepaid Amount: $491 EXAMPLE 11 REGULAR PROGRAM, POST-FIRM, ELEVATION RATED, $3,000/$2,000 DEDUCTIBLE OPTION, ZONE AH Data Essential To Determine Appropriate Rates and Premium: • Regular Program • Flood Zone: AH • Occupancy: Single-Family Dwelling • # of Floors: 1 Floor • Basement/Enclosure: None • Deductible: $3,000/$2,000 • Deductible Factor: .85 • Contents Location: Lowest Floor Above Ground Level • Date of Construction: Post-FIRM • Elevation Difference: -1 • Flood Proofed Yes/No: No • Building Coverage: $250,000 • Contents Coverage: $25,000 • ICC Premium: $4 • CRS Rating: N/A • CRS Discount: N/A Determined Rates: Building: .85/.19 Contents: 1.07/.22 COVERAGE BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM PREM. REDUCTION/ INCREASE TOTAL AMOUNT OF INSURANCE BUILDING 50,000 .85 425 200,000 .19 380 -121 250,000 684 CONTENTS 20,000 1.07 214 5,000 .22 11 -34 25,000 191 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT ANNUAL SUBTOTAL 875 . MANUAL . SUBMIT FOR RATING OPTION: ICC PREMIUM 4 . ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD SUBTOTAL 879 . MORTGAGE PORTFOLIO PROTECTION PROGRAM . OTHER: CRS PREMIUM DISCOUNT _____% — . PROVISIONAL RATING SUBTOTAL 879 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND PROBATION SURCHARGE — THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER FEDERAL POLICY FEE 30 APPLICABLE FEDERAL LAW. SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) TOTAL PREPAID AMOUNT 909 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $805 / Contents: $225 2. Apply Deductible Factor: Building: .85 x $805 = $684 / Contents: .85 x $225 = $191 3. Premium Reduction: Building: $805 - $684 = $121 / Contents = $225 - $191 = $34 4. Subtotal: $875 5. Add ICC Premium: $4 6. Subtract CRS Discount: N/A 7. Subtotal: $879 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $30 10. Total Prepaid Amount: $909 EXAMPLE 12 REGULAR PROGRAM, POST-FIRM, ELEVATION RATED, $500/$500 DEDUCTIBLE OPTION, ZONE AH (WITH CERTIFICATION OF COMPLIANCE) Data Essential To Determine Appropriate Rates and Premium: • Regular Program • Flood Zone: AH (With Certification of Compliance) • Occupancy: 2-4 Family Dwelling • # of Floors: 2 Floors • Basement/Enclosure: None • Deductible: $500/$500 • Deductible Factor: 1.000 • Contents Location: Above Ground Level and Higher Floors • Date of Construction: Post-FIRM • Elevation Difference: +3 • Flood Proofed Yes/No: No • Building Coverage: $200,000 • Contents Coverage: $40,000 • ICC Premium: $4 • CRS Rating: N/A • CRS Discount: N/A Determined Rates: Building: .25/.08 Contents: .34/.13 COVERAGE BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM PREM. REDUCTION/ INCREASE TOTAL AMOUNT OF INSURANCE BUILDING 50,000 .25 125 150,000 .08 120 0 200,000 245 CONTENTS 20,000 .34 68 20,000 .13 26 0 40,000 94 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT ANNUAL SUBTOTAL 339 . MANUAL . SUBMIT FOR RATING OPTION: ICC PREMIUM 6 . ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD SUBTOTAL 345 . MORTGAGE PORTFOLIO PROTECTION PROGRAM . PROVISIONAL RATING . OTHER: CRS PREMIUM DISCOUNT % SUBTOTAL — 345 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) PROBATION SURCHARGE — FEDERAL POLICY FEE 30 TOTAL PREPAID AMOUNT 375 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $245 / Contents: $94 2. Apply Deductible Factor: Building: 1.000 x $245 = $245 / Contents: 1.000 x $94 = $94 3. Premium Reduction: Building: $0 / Contents: $0 4. Subtotal: $339 5. Add ICC Premium: $6 6. Subtract CRS Discount: N/A 7. Subtotal: $345 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $30 10. Total Prepaid Amount: $375 EXAMPLE 13 REGULAR PROGRAM, POST-FIRM, ELEVATION RATED, $500/$500 DEDUCTIBLE OPTION, ZONE A (WITH ESTIMATED BFE) Data Essential To Determine Appropriate Rates and Premium: • Regular Program • Flood Zone: A • Occupancy: 2-4 Family Dwelling • # of Floors: 2 Floors • Basement/Enclosure: None • Deductible: $500/$500 • Deductible Factor: 1.000 • Contents Location: Above Ground Level and Higher Floors • Date of Construction: Post-FIRM • Elevation Difference: +6 (with Estimated BFE) • Flood Proofed Yes/No: No • Building Coverage: $140,000 • Contents Coverage: $70,000 • ICC Premium: $6 • CRS Rating: N/A • CRS Discount: N/A Determined Rates: Building: .37/.08 Contents: .51/.12 COVERAGE BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM PREM. REDUCTION/ INCREASE TOTAL AMOUNT OF INSURANCE BUILDING 50,000 .37 185 90,000 .08 72 0 140,000 257 CONTENTS 20,000 .51 102 50,000 .12 60 0 70,000 162 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT ANNUAL SUBTOTAL 419 . MANUAL . SUBMIT FOR RATING OPTION: ICC PREMIUM 6 . ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD SUBTOTAL 425 . MORTGAGE PORTFOLIO PROTECTION PROGRAM . PROVISIONAL RATING . OTHER: CRS PREMIUM DISCOUNT % SUBTOTAL — 425 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND PROBATION SURCHARGE — THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER FEDERAL POLICY FEE 30 APPLICABLE FEDERAL LAW. SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) TOTAL PREPAID AMOUNT 455 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $257 / Contents: $162 2. Apply Deductible Factor: Building: 1.000 x $257 = $257 / Contents: 1.000 x $162 = $162 3. Premium Reduction: Building: $0 / Contents = $0 4. Subtotal: $419 5. Add ICC Premium: $6 6. Subtract CRS Discount: N/A 7. Subtotal: $425 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $30 10. Total Prepaid Amount: $455 CONDOMINIUMS Important Notice to Agents: Boards of Directors of condominium associations typically are responsible under their by-laws for maintaining all forms of property insurance necessary to protect the common property of the association against all hazards to which that property is exposed for either the insurable value or replacement cost of those common elements. This responsibility would typically include providing adequate flood insurance protection for all common property located in Special Flood Hazard Areas. Such by-law requirements could make the individual members of the boards of directors of such associations personally liable for insurance errors or omissions, including those relating to flood insurance. I. METHODS OF INSURING CONDOMINIUMS There are five methods of insuring condominiums under the National Flood Insurance Program (NFIP). Each method has its own eligibility requirements for condominium type. A. Residential Condominium: Association Coverage on Building and Contents A condominium association is the corporate entity responsible for the management and operation of a condominium. Membership is made up of the condominium unit owners. A condominium association may purchase insurance coverage on a residential building and its contents under the Residential Condominium Building Association Policy (RCBAP). The RCBAP covers only a residential condominium building in a Regular Program community. If the named insured is listed as other than a condominium association, the agent must provide legal documentation to confirm that the insured is a condominium association. B. Residential Condominium: Unit Owner’s Coverage on Building and Contents A condominium unit in a townhouse, rowhouse, high-rise or low-rise building is considered to be a single family residence. An individual dwelling unit in a condominium building may be insured in any one of three ways: • An individual unit and its contents may be separately insured under the Dwelling Form, in the name of the unit owner, at the limits of insurance for a single family dwelling. • An individual unit may be separately insured under the Dwelling Form, if purchased by the association in the name of the "owner of record unit number (#) and (name of) Association as their interests may appear," up to the limits of insurance for a single family dwelling. • An individual unit owned by the association may be separately insured under the Dwelling Form, if purchased by the condominium association. The single family limits of insurance apply. A policy on a condominium unit will be issued naming the unit owner and the association, as their interests may appear. Coverage under a unit owner's policy applies first to the individually owned building elements and improvements to the unit and then to the damage of the building's common elements that are the unit owner's responsibility. In the event of a loss, the claim payment to an individual unit owner may not exceed the maximum allowable in the Program. C. Other Residential Condominium: Condominium Association Policy, Association Coverage on Building and Contents The Condominium Association Program (CAP), under the General Property Form, is available to insure condominium buildings not eligible for the RCBAP. A CAP is written on the General Property Form in the name of the association. For policies after October 1, 1994, the CAP is to be used for all condominiums in the Emergency Program communities, and those condominiums in Regular Program communities that do not meet the requirement that 75 percent of the floor area of the building be residential. In all other cases, the Residential Condominium Building Association Policy must be sold. The CAP will cover building common elements as well as building elements (additions and alterations) within all units of the building. In the event of a loss, building coverage under either association policy applies first to building common elements damage and then to damage to individually owned building elements, and the claim payment may not exceed the maximum allowable under the NFIP. D. Nonresidential (Commercial) Condominium: Building and Contents Nonresidential (commercial) condominium buildings and their commonly owned contents may be insured in the name of the Association under the General Property Form. The "Nonresidential" limits apply. E. Nonresidential (Commercial) Condominium: Unit Owner's Coverage (Contents) The owner of a nonresidential condominium unit may purchase only contents coverage for that unit. Building coverage may not be purchased in the name of the unit owner. In the event of a loss, up to 10 percent of the stated amount of contents coverage can be applied to losses to condominium interior walls, floors, and ceilings. The 10 percent is not an additional amount of insurance. TABLE 2. CONDOMINIUM RATING CHART (Cont’d) HIGH-RISE RESIDENTIAL CONDOMINIUMS MULTI-UNIT BUILDING.5 OR MORE UNITS PER BUILDING.THREE OR MORE FLOORS6 CONDO 5 May 1, 2005 PURCHASER OF POLICY Building Occupancy1 Building Indicator1 Contents Indicator2 Limits of Coverage Type of Coverage Rate Table3 Policy Form4 UNIT OWNER OTHER RESIDENTIAL SINGLE UNIT HOUSEHOLD BUILDING.$250,000 CONTENTS.$100,000 RC5 SINGLE FAMILY FOR BUILDING; OTHER RESIDENTIAL FOR CONTENTS DWELLING ASSOCIATION (SINGLE UNIT ONLY) OTHER RESIDENTIAL SINGLE UNIT HOUSEHOLD BUILDING.$250,000 CONTENTS.$100,000 RC5 SINGLE FAMILY FOR BUILDING; OTHER RESIDENTIAL FOR CONTENTS DWELLING ASSOCIATION (ENTIRE BUILDING) OTHER RESIDENTIAL HIGH-RISE HOUSEHOLD BUILDING.THE TOTAL NUMBER OF UNITS X $250,000 CONTENTS.$100,000 RC RCBAP HIGH-RISE RCBAP NON-RESIDENTIAL CONDOMINIUMS PURCHASER OF POLICY Building Occupancy1 Building Indicator1 Contents Indicator2 Limits of Coverage Type of Coverage Rate Table3 Policy Form4 UNIT OWNER NON-RESIDENTIAL SINGLE UNIT (BUILDING COVERAGE NOT AVAILABLE) BUSINESS EMERGENCY.$100,000 REGULAR.$500,000 CONTENTS ONLY ACV NON-RESIDENTIAL GENERAL PROPERTY ASSOCIATION NON-RESIDENTIAL LOW-RISE BUSINESS BUILDING. EMERGENCY.$100,000 REGULAR.$500,000 ACV NON-RESIDENTIAL GENERAL PROPERTY CONTENTS. EMERGENCY.$100,000 REGULAR.$500,000 1When there is a mixture of residential and commercial usage within a single building, please refer to the GR Section of the Flood Insurance Manual. 2In determining the contents indicator for “other than household contents,” please refer to the RATE Section of the Flood Insurance Manual. 3All building rates are based on the lowest floor of the building. 4RCBAP must be used to insure residential condominium buildings owned by the association that are in a Regular Program community and in which at least 75% of the total floor area within the building is residential. Use General Property Form if ineligible under RCBAP. 5Replacement Cost if the RC eligibility requirements are met (building only). 6Enclosure, even if it is the lowest floor for rating, cannot be counted as a floor for the purpose of classifying the building as a high rise. RESIDENTIAL CONDOMINIUM BUILDING ASSOCIATION POLICY II. POLICY FORM The policy form used for the residential condominium buildings owned by a condominium association is the Residential Condominium Building Association Policy (RCBAP). III. ELIGIBILITY REQUIREMENTS A. General Building Eligibility The RCBAP is required for all buildings owned by a condominium association containing one or more residential units and in which at least 75 percent of the total floor area within the building is residential without regard to the number of units or number of floors. This will include townhouse/rowhouse and detached single family condominium buildings. The RCBAP is available for all high-rise and low-rise residential condominium buildings in the Regular Program only. Residential condominium buildings that are being used as a hotel or motel, or are being rented (either short- or long-term), must be insured on the RCBAP. Only buildings having a condominium form of ownership are eligible for the RCBAP. If the named insured is listed as other than a condominium association, the agent must provide legal documentation to confirm that the insured is a condominium association. Cooperative ownership buildings are not eligible. Timeshare buildings having condominium form of ownership in jurisdictions where title is vested in individual unit owners are eligible provided all other criteria are met. If, during a policy term, the risk fails to meet the eligibility requirements, it will be ineligible for renewal as an RCBAP. The NFIP has grouped condominium buildings into two different types, low- and high-rise, because of the difference in the exposures to the risk that typically exists. Low-rise buildings generally have a greater percentage of the value of the building at risk than high-rise buildings, thus requiring higher premiums for the first dollars of coverage. The availability of the optional deductibles for the low-rise buildings, however, allows the association to buy back some of the risk, thereby reducing the overall cost of the coverage. For rating purposes: • High-rise buildings contain five or more units and at least three floors excluding enclosure, even if it is the lowest floor for rating. • Low-rise buildings have less than five units regardless of the number of floors, or five or more units with less than three floors, including the basement. • Townhouse/rowhouse buildings are always considered as low-rise buildings for rating purposes, no matter how many units or floors they have. See the Definitions section for a complete definition of high-rise and low-rise buildings. The individual unit owners continue to have an option to purchase an SFIP Dwelling Form. B. Condominium Building in the Course of Construction The NFIP rules allow the issuance of an SFIP to cover a building in the course of construction before the building is walled and roofed. These rules provide lenders an option to require flood insurance coverage at the time that the development loan is made to comply with the mandatory purchase requirement outlined in the Flood Disaster Protection Act of 1973, as amended. The policy is issued and rated based on the construction designs and intended use of the building. In order for a condominium building in the course of construction to be eligible under the RCBAP form, the building must be owned by a condominium association, which the NFIP defines as the entity made up of the unit owners responsible for the maintenance and operation of: 1. common elements owned in undivided shares by unit owners; and 2. other real property in which the unit owners have use rights; where membership in the entity is a required condition of unit ownership. As noted on page GR 4, buildings in the course of construction that have yet to be walled and roofed are eligible for coverage except when construction has been halted for more than 90 days and/or if the lowest floor used for rating purposes is below the Base Flood Elevation (BFE). Materials or supplies intended for use in such construction, alteration, or repair are not insurable unless they are contained within an enclosed building on the premises or adjacent to the premises. IV. COVERAGE A. Property Covered The entire building is covered under one policy, including both the common as well as individually owned building elements within the units, improvements within the units, and contents owned in common. Contents owned by individual unit owners should be insured under an individual unit owner's Dwelling Form. B. Coverage Limits Building coverage purchased under the RCBAP will be on a Replacement Cost basis. The maximum amount of building coverage that can be purchased on a high-rise or low-rise condominium is the Replacement Cost Value of the building or the total number of units in the condominium building times $250,000, whichever is less. The maximum allowable contents coverage is the Actual Cash Value of the commonly owned contents up to a maximum of $100,000 per building. Basic Limit Amount: • The building basic limit amount of insurance for a detached building housing a single family unit owned by the condominium association is $50,000. • For residential townhouse/rowhouse and low-rise condominiums, the building basic limit amount of insurance is $50,000 multiplied by the number of units in the building. • For high-rise condominiums, the building basic amount of insurance is $150,000. • The contents basic limit amount of insurance is $20,000. • For condominium unit owners who have insured their personal property under the Dwelling Form or General Property Form, coverage extends to interior walls, floor, and ceiling (if not covered under the condominium association’s insurance) up to 10 percent of the personal property limit of liability. Use of this coverage is at the option of the insured and reduces the personal property limit of liability. C. Replacement Cost and Coinsurance Replacement cost coverage is available for building coverage only on RCBAPs and Dwelling Forms meeting eligibility requirements. Co­insurance penalties are applied for building coverage only. To the extent the insured has not purchased insurance in an amount equal to the lesser of 80 percent or more of the full replacement cost of the building at the time of loss or the maximum amount of insurance under the NFIP, the insured will not be reimbursed fully for a loss. Building coverage purchased under individual Dwelling Forms cannot be added to RCBAP coverage in order to avoid the coinsurance penalty. The amount of loss in this case will be determined by using the following formula: Insurance Carried X Amount of Loss = Limit of Recovery Insurance Required Where the penalty applies, building loss under the RCBAP will be adjusted based on the Replacement Cost Coverage with a coinsurance penalty. Building loss under the Dwelling Form will be adjusted on an Actual Cash Value (ACV) basis if the Replacement Cost provision is not met. The cost of bringing the building into compliance with local codes (law and ordinance) is not included in the calculation of replacement cost. D. Assessment Coverage The RCBAP does not provide assessment coverage. Assessment coverage is available only under the Dwelling Form subject to the conditions and exclusions found in Section III. Property Covered, Coverage C, paragraph 3 – Condominium Loss Assessments. The Dwelling Form will respond, up to the building coverage limit, to assessments against unit owners for damages to common areas of any building owned by the condominium association, even if the building is not insured, provided that: (1) each of the unit owners comprising the membership of the association is assessed by reason of the same cause; and (2) the assessment arises out of a direct physical loss by or from flood to the condominium building at the time of the loss. Assessment coverage has a maximum combined total limit of $250,000 per unit. This combined total limit covers loss to the unit and any assessment by the association. Assessment coverage cannot be used to meet the 80-percent coinsurance provision of the RCBAP, and does not apply to ICC coverage or to coverage for closed basin lakes. For more information on this topic, see “E. Loss Assessments” on page GR 11 and Section III. C.3. of the Dwelling Form, “Condominium Loss Assessments,” on page POL 8. V. DEDUCTIBLES AND FEES A. Deductibles The loss deductible shall apply separately to each building and personal property covered loss including any appurtenant structure loss. CONDO 7 May 1, 2007 The Standard Deductible is $1,000 for a residential condominium building, located in a Regular Program Community in Special Flood Hazard Areas, i.e., Zones A, AO, AH, A1-A30, AE, AR, AR dual zones (AR/AE, AR/AH, AR/AO, AR/A1-A30, AR/A), V, V1-V30, or VE, where the rates available for buildings built before the effective date of the initial Flood Insurance Rate Map (FIRM), Pre-FIRM rates, are used to compute the premium. For all policies rated other than those described above, e.g., those rated as Post-FIRM and those rated in Zones A99, B, C, D, or X, the Standard Deductible is $500. Optional deductible amounts are available under the RCBAP. B. Federal Policy Fee The following are the Federal Policy Fees for the RCBAP: 1 unit -$ 30.00 per policy 2-4 units -$ 60.00 per policy 5-10 units -$ 150.00 per policy 11-20 units -$ 330.00 per policy 21 or more -$ 630.00 per policy VI. TENTATIVE RATES AND SCHEDULED BUILDINGS Tentative Rates cannot be applied to the RCBAP. The Scheduled Building Policy is not available for the RCBAP. VII. COMMISSIONS (DIRECT BUSINESS ONLY) The commission, 15 percent, will be reduced to 5 percent on only that portion of the premium that exceeds the figure resulting from multiplying the total number of units times $2,000. VIII. CANCELLATION OR ENDORSEMENT OF EXISTING UNIT OWNERS' DWELLING POLICIES Unit owner’s Dwelling Policies may be cancelled mid-term for the reasons mentioned in the Cancellation/Nullification section of the manual. To cancel building coverage while retaining contents coverage on a unit owner's policy, submit a General Change Endorsement form. In the event of a cancellation: • The commission on a unit owner's policy will be retained, in full, by the producer, • The Federal Policy Fee and Probation Surcharge will be refunded on a pro rata basis, and • The premium refund will be calculated on a pro rata basis. An existing Dwelling Policy or RCBAP may be endorsed to increase amounts of coverage in accordance with Endorsement rules. They may not be endorsed mid-term to reduce coverage. IX. APPLICATION FORM The producer should complete the entire Flood Insurance Application according to the directions in the Application section of this manual and attach two new photographs of the building, one of which clearly shows the location of the lowest floor used for rating the risk. A. Type of Building For an RCBAP, the “Building” section of the Flood Insurance Application must indicate the total number of units in the building and whether the building is a high rise or low rise. High-rise (vertical) condominium buildings are defined as containing at least five units, and having at least three floors. Note that an enclosure below an elevated floor building, even if it is the lowest floor for rating purposes, cannot be counted as a floor to classify the building as a high-rise condominium building. Low-rise condominium buildings are defined as having less than five units and/or less than three floors. In addition, low-rise also includes all townhouses/rowhouses regardless of the number of floors or units, and all detached single family buildings. For a Dwelling Form used to insure a condominium unit, or for a Condominium Association Policy, see the Application section of this manual. B. Replacement Cost Value For an RCBAP, use normal company practice to estimate the Replacement Cost Value (RCV) and enter the value in the “Building” section of the Application. Include the cost of the building foundation when determining the RCV. Attach the appropriate valuation to the Application. Acceptable documentation of a building's RCV is a recent property inspection report that states the building's value on an RCV basis. The cost of the building's foundation must be included in determining the RCV. The cost of bringing the building into compliance with local codes (law and ordinance) is not to be included in the calculation of the building's replacement cost. To maintain reasonable accuracy of the RCV for the building, the agent must update this information at least every 3 years. C. Coverage Ensure that the “Coverage and Rating” section of the Application accurately reflects the desired amount of building and contents coverage. If only building insurance is to be purchased, inform the applicant of the availability of contents insurance for contents that are commonly owned. It is recommended that the applicant initial the contents coverage section if no contents insurance is requested. (This will make the applicant aware that the policy will not provide payment for contents losses.) 1. Building Enter the amount of insurance for building, Basic and Additional Limits. Enter full Basic Limits before entering any Additional Limits. The building Basic Limit amount of insurance for high-rise condominium buildings is up to a maximum of $150,000. The building Basic Limit amount of insurance for low-rise condominium buildings is $50,000 multiplied by the number of units in the building. The total amount of coverage desired on the entire building must not exceed $250,000 (Regular Program limit) times the total number of units (residential and nonresidential) in the building. 2. Contents Since the Program type must be Regular, enter the amount of insurance for contents, Basic and Additional Limits. Enter full Basic Limits before any Additional Limits. Contents coverage is only for those contents items that are commonly owned. For the Basic Limits amount of insurance, up to a maximum of $20,000 may be filled in. For the Additional Limits, up to a total of $80,000 may be filled in. The total amount of insurance available for contents coverage cannot exceed $100,000. D. Rates and Fees 1. To determine rates, see the RCBAP Rate Tables on the following pages. Enter the rate for building and for contents and compute the annual premium. If an optional deductible has been selected for building and/or contents, see page CONDO 22. 2. Enter the total premium for building and contents, adjusted for any premium change because of an optional deductible being selected. The total premium will be calculated as if the building were one unit. 3. Add the total premium for building and contents and enter the Annual Subtotal. 4. Add the ICC premium. 5. Calculate the CRS discount, if applicable. 6. Subtract the CRS discount, if applicable. 7. Add the $50.00 Probation Surcharge, if applicable. 8. Add the Federal Policy Fee to determine the Total Prepaid Amount. TABLE 3A. RCBAP HIGH-RISE CONDOMINIUM RATES ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) BUILDING BUILDING TYPE REGULAR PROGRAM PRE-FIRM1 REGULAR PROGRAM POST-FIRM A, A1-A30, AE, AO, AH, D V, VE A99, B, C, X A99, B, C, X D No Basement/Enclosure .85/.17 1.08/.42 1.18/.04 1.18/.04 1.16/.21 With Basement .90/.25 1.15/.90 1.43/.06 1.43/.06 SUBMIT FOR RATE With Enclosure .90/.17 1.15/.44 1.24/.04 1.24/.04 CONTENTS CONTENTS LOCATION REGULAR PROGRAM PRE-FIRM1 REGULAR PROGRAM POST-FIRM A, A1-A30, AE, AO, AH, D V, VE A99, B, C, X A99, B, C, X D Basement and above .96/.69 1.23/1.75 1.39/.51 1.39/.51 SUBMIT FOR RATE Enclosure and above .96/.83 1.23/2.08 1.39/.59 1.39/.59 Lowest floor only- above ground level .96/.83 1.23/2.08 1.09/.53 1.09/.53 1.01/.63 Lowest floor above ground level and higher floors .96/.57 1.23/1.83 1.09./.32 1.09/.32 1.01/.43 Above ground level more than 1 full floor .35/.12 .47/.29 .35/.12 .35/.12 .35/.12 BUILDING—A1-A30, AE · POST-FIRM ELEVATION 3 OR MORE FLOORS NO BASEMENT/ENCLOSURE 3 OR MORE FLOORS WITH BASEMENT/ENCLOSURE +4 .33/.03 .33/.03 +3 .35/.03 .34/.03 +2 .40/.03 .36/.03 +1 .70/.04 .50/.04 0 1.60/.04 1.43/.04 -12 5.01/.15 2.84/.12 -2 S U B M I T F O R R A T E CONTENTS—A1-A30, AE · POST-FIRM ELEVATION LOWEST FLOOR ONLY- ABOVE GROUND LEVEL (NO BSMNT./ENCL.) LOWEST FLOOR ABOVE GROUND LEVEL AND HIGHER (NO BSMNT./ENCL.) BASEMENT/ ENCLOSURE AND ABOVE ABOVE GROUND LEVEL - MORE THAN ONE FULL FLOOR +4 .38/.12 .38/.12 .38/.12 .35/.12 +3 .38/.12 .38/.12 .38/.12 .35/.12 +2 .38/.12 .38/.12 .38/.12 .35/.12 +1 .51/.12 .38/.12 .38/.12 .35/.12 0 1.22/.12 .67/.12 .40/.12 .35/.12 -12 3.38/.75 1.96/.58 .52/.12 .35/.12 -2 S U B M I T F O R R A T E .35/.12 1Start of construction or substantial improvement on or before 12/31/74, or before the effective date of the initial Flood Insurance Rate Map (FIRM). If FIRM Zone is unknown, use rates for Zones A, AE, AO, AH, D. 2Use Submit-for-Rate guidelines if either the enclosure below the lowest elevated floor of an elevated building or the crawl space (under-floor space) that has its interior floor within 2 feet below grade on all sides, which is used for rating, is 1 or more feet below BFE. CONDO 10 May 1, 2007 TABLE 3B. RCBAP HIGH-RISE CONDOMINIUM RATES ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) AO, AH POST-FIRM NO BASEMENT/ENCLOSURE BUILDINGS1 BUILDING CONTENTS WITH CERTIFICATION OF COMPLIANCE2 .40/.04 .34/.13 WITHOUT CERTIFICATION OF COMPLIANCE OR WITHOUT ELEVATION CERTIFICATE3 .94/.07 1.07/.22 POST-FIRM UNNUMBERED A-ZONE - WITHOUT BASEMENT/ENCLOSURE1 ELEVATION DIFFERENCE TO NEAREST FOOT BUILDING CONTENTS4 TYPE OF ELEVATION CERTIFICATE +5 OR MORE .70/.05 .62./.12 NO ESTIMATED BASE FLOOD ELEVATION5 +2 TO +4 1.34/.05 .87/.17 +1 2.10/.13 1.54/.63 0 OR BELOW *** *** +2 OR MORE .61/.04 .51/.12 WITH ESTIMATED BASE FLOOD ELEVATION6 0 TO +1 1.18/.05 .77/.15 -1 4.72/.15 2.14/.74 -2 OR BELOW *** *** NO ELEVATION CERTIFICATE 6.00/1.15 2.92/1.00 NO ELEVATION CERTIFICATE 1Zones A, AO, or AH buildings with basement/enclosure--Submit for Rating. 2“With Certification of Compliance” rates are to be used when the Elevation Certificate shows that the lowest floor elevation is equal to or greater than the community’s elevation requirement. 3“Without Certification of Compliance” rates are to be used only on Post-FIRM structures without an Elevation Certificate or when the Elevation Certificate shows that the lowest floor elevation of a Post-FIRM structure is less than the community’s elevation requirement. 4For elevation rated policies, when contents are located one floor or more above lowest floor used for rating, use .35/.12.5NO ESTIMATED BASE FLOOD ELEVATION: Elevation difference is the measured distance between the lowest floor of the building and the highest adjacent grade next to the building. 6WITH ESTIMATED BASE FLOOD ELEVATION: Elevation difference is the measured distance between the lowest floor of the building and the estimated BFE provided by the community or registered professional engineer, surveyor, or architect. ***SUBMIT FOR RATING. TABLE 3C. RCBAP HIGH-RISE CONDOMINIUM RATES ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) AR AND AR DUAL ZONES BUILDING PRE-FIRM1,2 AND POST-FIRM3 NOT ELEVATION-RATED BUILDING TYPE RATES No Basement/Enclosure 1.18/.04 With Basement 1.43/.06 With Enclosure 1.24/.04 CONTENTS PRE-FIRM1,2 AND POST-FIRM3 NOT ELEVATION-RATED CONTENTS LOCATION RATES Basement and above 1.39/.51 Enclosure and above 1.39/.59 Lowest floor only- above ground level 1.09./.53 Lowest floor above ground level and higher floors 1.09./.29 Above ground level more than 1 full floor .35/.12 BUILDING PRE-FIRM AND POST-FIRM ELEVATION-RATED ELEVATION 3 OR MORE FLOORS NO BASEMENT/ENCLOSURE 3 OR MORE FLOORS WITH BASEMENT/ENCLOSURE +4 .33/.03 .33/.03 +3 .35/.03 .34/.03 +2 .40/.03 .36/.03 +1 .70/.04 .50/.04 0 1.18/.04 1.43/.04 -14 See Footnote CONTENTS PRE-FIRM AND POST-FIRM ELEVATION-RATED ELEVATION LOWEST FLOOR ONLY- ABOVE GROUND LEVEL (NO BSMNT./ENCL.) LOWEST FLOOR ABOVE GROUND LEVEL AND HIGHER (NO BSMNT./ENCL.) BASEMENT/ ENCLOSURE AND ABOVE ABOVE GROUND LEVEL - MORE THAN ONE FULL FLOOR +4 .38/.12 .38/.12 .38/.12 .35/.12 +3 .38/.12 .38/.12 .38/.12 .35/.12 +2 .38/.12 .38/.12 .38/.12 .35/.12 +1 .51/.12 .38/.12 .38/.12 .35/.12 0 1.22/.12 .67/.12 .40/.12 .35/.12 -14 See Footnote 1Start of construction or substantial improvement on or before 12/31/74, or before the effective date of the initial Flood Insurance Rate Map (FIRM). 2Base deductible is $1,000. 3Base deductible is $500. 4Use Pre-FIRM AR and AR Dual Zones Rate Table above. CONDO 12 May 1, 2007 TABLE 3D. RCBAP HIGH-RISE CONDOMINIUM RATES ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) REGULAR PROGRAM -- 1975-19811 -- POST-FIRM CONSTRUCTION2 FIRM ZONES V1-V30, VE -- BUILDING RATES ELEVATION OF LOWEST FLOOR ABOVE OR BELOW BFE BUILDING TYPE 3 OR MORE FLOORS NO BASEMENT/ENCLOSURE 3 OR MORE FLOORS WITH BASEMENT/ENCLOSURE 03 2.45/.13 2.34/.13 -14 7.15/.51 3.76/.38 -2 *** *** 1975-1981 POST-FIRM CONSTRUCTION FIRM ZONES V1-V30, VE--CONTENTS RATES ELEVATION OF LOWEST FLOOR ABOVE OR BELOW BFE CONTENTS LOCATION LOWEST FLOOR ONLY-ABOVE GROUND LEVEL (NO BASEMENT/ ENCLOSURE) LOWEST FLOOR ABOVE GROUND LEVEL AND HIGHER FLOORS (NO BASEMENT/ENCLOSURE) BASEMENT/ ENCLOSURE AND ABOVE ABOVE GROUND LEVEL-MORE THAN ONE FULL FLOOR 03 3.60/.51 2.38/.56 1.34/.62 .55/.25 -14 8.01/3.88 4.73/3.00 1.57/.62 .55/.25 -2 *** *** *** *** 1Policies for 1975 through 1981 Post-FIRM and Pre-FIRM buildings in Zones VE and V1-V30 will be allowed to use the Post-’81 V Zone rate table if the rates are more favorable to the insured. See instructions on page RATE 23 for V Zone Optional Rating. 2For 1981 Post-FIRM construction rating, refer to pages CONDO 19-20. 3These rates are to be used if the lowest floor of the building is at or above the BFE. 4Use Submit-for-Rate guidelines if the enclosure below the lowest floor of an elevated building, which is used for rating, is 1 or more feet below BFE. ***SUBMIT FOR RATING. REGULAR PROGRAM 1975-1981 POST-FIRM CONSTRUCTION1 UNNUMBERED V ZONE--ELEVATED BUILDINGS SUBMIT FOR RATING TABLE 4A. RCBAP LOW-RISE CONDOMINIUM RATES (Including Townhouse/Rowhouse) ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) REGULAR PROGRAM -- PRE-FIRM CONSTRUCTION RATES 1 F I R M Z O N E S: A, A1-A30, AE, AO, AH, D V, VE A99, B, C, X BUILDING CONTENTS BUILDING CONTENTS BUILDING CONTENTS BUILDING TYPE NO BASEMENT/ENCLOSURE .70/.44 .96/.83 .93/1.13 1.23/2.08 .67/.19 1.09/.33 WITH BASEMENT .75/.55 .96/.69 1.00/1.96 1.23/1.95 .73/.27 1.23/.42 WITH ENCLOSURE .75/.64 .96/.72 1.00/2.13 1.23/2.12 .73/.31 1.23/.49 REGULAR PROGRAM -- POST-FIRM CONSTRUCTION RATES F I R M Z O N E S: A99, B, C, X D BUILDING CONTENTS BUILDING CONTENTS BUILDING TYPE NO BASEMENT/ENCLOSURE .67/.19 1.09/.33 .93/.35 1.01/.63 WITH BASEMENT .73/.27 1.23/.42 *** *** WITH ENCLOSURE .73/.31 1.23/.49 F I R M Z O N E S: AO, AH (NO BASEMENT/ENCLOSURE BUILDINGS ONLY)2 BUILDING CONTENTS WITH CERTIFICATION OF COMPLIANCE3 .19/.08 .34/.13 WITHOUT CERTIFICATION OF COMPLIANCE OR WITHOUT ELEVATION CERTIFICATE4 .78/.19 1.07/.22 1Start of construction or substantial improvement on or before 12/31/74, or before the effective date of the initial Flood Insurance Rate Map (FIRM). If FIRM Zone is unknown, use rates for Zones A, AE, AO, AH, D. 2Zones AO, AH BUILDINGS WITH BASEMENT: Submit for Rating. 3“With Certification of Compliance” rates are to be used when the Elevation Certificate shows that the lowest floor elevation is equal to or greater than the community’s elevation requirement. 4“Without Certification of Compliance” rates are to be used only on Post-FIRM structures without an Elevation Certificate or when the Elevation Certificate shows that the lowest floor elevation of a Post-FIRM structure is less than the community’s elevation requirement. ***SUBMIT FOR RATING. TABLE 4B. RCBAP LOW-RISE CONDOMINIUM RATES (Including Townhouse/Rowhouse) ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) REGULAR PROGRAM -- POST-FIRM CONSTRUCTION FIRM ZONES A1-A30, AE -- BUILDING RATES ELEVATION OF LOWEST FLOOR ABOVE OR BELOW BFE1 BUILDING TYPE ONE FLOOR NO BASEMENT/ENCLOSURE MORE THAN ONE FLOOR NO BASEMENT/ENCLOSURE MORE THAN ONE FLOOR WITH BASEMENT/ENCLOSURE +4 .18/.08 .18/.08 .18/.08 +3 .18/.08 .18/.08 .18/.08 +2 .27/.08 .18/.08 .18/.08 +1 .48/.08 .28/.08 .21/.08 0 .98/.09 .64/.09 .50/.09 -12 2.50/.84 2.10/.77 1.19/.52 -2 *** *** *** FIRM ZONES A1-A30, AE -- CONTENTS RATES ELEVATION OF LOWEST FLOOR ABOVE OR BELOW BFE1 CONTENTS LOCATION LOWEST FLOOR ONLY -ABOVE GROUND LEVEL (NO BASEMENT/ENCLOSURE) LOWEST FLOOR ABOVE GROUND LEVEL AND HIGHER FLOORS (NO BASEMENT/ENCLOSURE) BASEMENT/ENCLOSURE AND ABOVE ABOVE GROUND LEVEL-MORE THAN ONE FULL FLOOR +4 .38/.12 .38/.12 .38/.12 .35/.12 +3 .38/.12 .38/.12 .38/.12 .35/.12 +2 .38/.12 .38/.12 .38/.12 .35/.12 +1 .51/.12 .38/.12 .38/.12 .35/.12 0 1.22/.12 .67/.12 .40/.12 .35/.12 -12 3.38/.75 1.96/.58 .52/.12 .35/.12 -2 *** *** *** .35/.12 1If LF is -1 because of attached garage, submit application for special consideration; rate may be lower. 2Use Submit-for-Rate guidelines if the enclosure below the lowest floor of an elevated building or if the crawl space (under-floor space) that has its interior floor within 2 feet below grade on all sides, which is used for rating, is 1 or more feet below BFE. ***SUBMIT FOR RATING. TABLE 4C. RCBAP LOW-RISE CONDOMINIUM RATES (Including Townhouse/Rowhouse) ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) UNNUMBERED ZONE A - WITHOUT BASEMENT/ENCLOSURE1 ELEVATION DIFFERENCE TO NEAREST FOOT BUILDING CONTENTS2 TYPE OF ELEVATION CERTIFICATE +5 OR MORE .30/.10 .62/.12 NO ESTIMATED BASE FLOOD ELEVATION3 +2 TO +4 .88/.12 .87/.17 +1 1.69/.59 1.54/.63 0 OR BELOW *** *** +2 OR MORE .28/.08 .51/.12 WITH ESTIMATED BASE FLOOD ELEVATION4 0 TO +1 .64/.10 .77/.15 -1 2.31/.78 2.14/.74 -2 OR BELOW *** *** NO ELEVATION CERTIFICATE5 2.93/1.33 2.92/1.00 NO ELEVATION CERTIFICATE 1Zone A building with basement (including crawl space below grade on all sides) or enclosure--Submit for Rating.2For elevation rated policies, when contents are located one floor or more above lowest floor used for rating, use .35/.12.3NO ESTIMATED BASE FLOOD ELEVATION: Elevation difference is the measured distance between the lowest floor of the building and the highest adjacent grade next to the building. 4WITH ESTIMATED BASE FLOOD ELEVATION: Elevation difference is the measured distance between the lowest floor of the building and the estimated BFE provided by the community or registered professional engineer, surveyor, or architect. 5For building without basement or enclosure, Elevation Certificate is optional. ***SUBMIT FOR RATING. TABLE 4D. RCBAP LOW-RISE CONDOMINIUM RATES (Including Townhouse/Rowhouse) ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) AR AND AR DUAL ZONES REGULAR PROGRAM – PRE-FIRM1,2 AND POST-FIRM3 NOT ELEVATION-RATED RATES BUILDING TYPE BUILDING CONTENTS NO BASEMENT .67/.19 1.09/.33 WITH BASEMENT .73/.27 1.23/.42 WITH ENCLOSURE .73/.31 1.23/.49 REGULAR PROGRAM –– PRE-FIRM AND POST-FIRM ELEVATION-RATED RATES BUILDING RATES ELEVATION OF LOWEST FLOOR ABOVE OR BELOW BFE BUILDING TYPE ONE FLOOR NO BASEMENT/ENCLOSURE MORE THAN ONE FLOOR NO BASEMENT/ENCLOSURE MORE THAN ONE FLOOR WITH BASEMENT/ENCLOSURE +4 .18/.08 .18/.08 .18/.08 +3 .18/.08 .18/.08 .18/.08 +2 .27/.08 .19/.08 .18/.08 +1 .48/.08 .28/.08 .21/.08 0 .67/.19 .64/.09 .50/.09 -14 See Footnote CONTENTS RATES ELEVATION OF LOWEST FLOOR ABOVE OR BELOW BFE CONTENTS LOCATION LOWEST FLOOR ONLY -ABOVE GROUND LEVEL (NO BASEMENT/ENCLOSURE) LOWEST FLOOR ABOVE GROUND LEVEL AND HIGHER FLOORS (NO BASEMENT/ENCLOSURE) BASEMENT/ENCLOSURE AND ABOVE ABOVE GROUND LEVEL-MORE THAN ONE FULL FLOOR +4 .38/.12 .38/.12 .38/.12 .35/.12 +3 .38/.12 .38/.12 .38/.12 .35/.12 +2 .38/.12 .38/.12 .38/.12 .35/.12 +1 .51/.12 .38/.12 .38/.12 .35/.12 0 1.22/.12 .67/.12 .40/.12 .35/.12 -14 See Footnote 1Start of construction or substantial improvement on or before 12/31/74, or before the effective date of the initial Flood Insurance Rate Map (FIRM). 2Base deductible is $1,000. 3Base deductible is $500. 4Use Pre-FIRM AR and AR Dual Zones Rate Table above. CONDO 17 May 1, 2007 TABLE 4E. RCBAP LOW-RISE CONDOMINIUM RATES (Including Townhouse/Rowhouse) ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) REGULAR PROGRAM -- 1975-19811 -- POST-FIRM CONSTRUCTION2 FIRM ZONES V1-V30, VE -- BUILDING RATES ELEVATION OF LOWEST FLOOR ABOVE OR BELOW BFE BUILDING TYPE ONE FLOOR NO BASEMENT/ENCLOSURE MORE THAN ONE FLOOR NO BASEMENT/ENCLOSURE MORE THAN ONE FLOOR WITH BASEMENT/ENCLOSURE 03 2.21/.41 1.77/.41 1.53/.41 -14 4.83/2.52 4.42/2.52 3.15/2.28 -2 *** *** *** REGULAR PROGRAM -- 1975-19811 -- POST-FIRM CONSTRUCTION2 FIRM ZONES V1-V30, VE -- CONTENTS RATES ELEVATION OF LOWEST FLOOR ABOVE OR BELOW BFE CONTENTS LOCATION LOWEST FLOOR ONLY -ABOVE GROUND LEVEL (NO BASEMENT/ENCLOSURE) LOWEST FLOOR ABOVE GROUND LEVEL AND HIGHER FLOORS (NO BASEMENT/ENCLOSURE) BASEMENT/ENCLOSURE AND ABOVE ABOVE GROUND LEVEL - MORE THAN ONE FULL FLOOR 03 3.64/.51 2.38/.56 1.34/.62 .55/.25 -14 8.01/3.88 4.73/3.00 1.57/.62 .55/.25 -2 *** *** *** .55/.25 REGULAR PROGRAM -- 1975-1981 -- POST-FIRM CONSTRUCTION2 UNNUMBERED V ZONE -- ELEVATED BUILDINGS SUBMIT FOR RATING 1Policies for 1975 through 1981 Post-FIRM and Pre-FIRM buildings in Zones VE and V1-V30 will be allowed to use the Post- ’81 V Zone rate table if the rates are more favorable to the insured. See instructions on page RATE 23 for V Zone Optional Rating. 2For 1981 Post-FIRM construction rating, refer to pages CONDO 19 and 20. 3These rates are to be used if the lowest floor of the building is at or above the BFE. 4Use Submit-for-Rate guidelines if the enclosure below the lowest floor of an elevated building, which is used for rating, is 1 or more feet below BFE. ***SUBMIT FOR RATING. TABLE 5A. RCBAP HIGH-RISE AND LOW-RISE CONDOMINIUM RATES (Including Townhouse/Rowhouse) ANNUAL RATES PER $100 OF COVERAGE 1981 POST-FIRM V1-V30, VE ZONE RATES1 Elevated Buildings Free of Obstruction2 Below the Beam Supporting the Building’s Lowest Floor Elevation of the bottom of the floor beam of the lowest floor above or below Base Flood Elevation adjusted for wave height at building site3 Building Rate Contents Rate +4 or more .55 .45 +3 .67 .46 +2 .88 .63 +1 1.28 1.01 0 1.64 1.51 - 1 2.17 2.09 - 2 2.85 2.85 - 3 3.67 3.86 - 4 or lower *** *** Rates above are only for elevated buildings. Use Specific Rating Guidelines for non-elevated buildings. 1Policies for 1975 through 1981 Post-FIRM and Pre-FIRM buildings in Zones VE and V1-V30 will be allowed to use the Post-’81 V Zone rate table if the rates are more favorable to the insured. See instructions on page RATE 23 for V Zone Optional Rating. 2Free of Obstruction.The space below the lowest elevated floor must be completely free of obstructions or any attachment to the building, or may have: (1) Insect screening, provided that no additional supports are required for the screening; or (2) Wooden or plastic lattice with at least 40 percent of its area open and made of material no thicker than ½ inch; or (3) Wooden or plastic slats or shutters with at least 40 percent of their area open and made of material no thicker than 1 inch. Any of these systems must be designed and installed to collapse under stress without jeopardizing the structural support of the building, so that the impact on the building of abnormally high tides or wind-driven water is minimized. Any machinery or equipment below the lowest elevated floor must be at or above the BFE. 3Wave height adjustment is not required in those cases where the Flood Insurance Rate Map indicates that the map includes wave height. ***SUBMIT FOR RATING. Include a copy of the variance, a recent photograph and blueprints (including a site grading plan if ocean front) with the Application, and a post-construction (or pre-construction if builder’s risk) Elevation Certificate. Do not submit any premium with the application. No applicant for insurance on Post-FIRM construction or substantial improvement for which asterisks are shown (there is no risk premium rate) in the Flood Insurance Manual can obtain flood coverage until FEMA has approved the Application and established the risk premium for the building. TABLE 5B. RCBAP HIGH-RISE AND LOW-RISE CONDOMINIUM RATES (Including Townhouse/Rowhouse) ANNUAL RATES PER $100 OF COVERAGE 1981 POST-FIRM V1-V30, VE ZONE RATES1,2 Elevated Buildings With Obstruction3 Below the Beam Supporting the Building’s Lowest Floor Elevation of the bottom of the floor beam of the lowest floor above or below Base Flood Elevation adjusted for wave height at building site4 Building Rate Contents Rate +4 or more 1.00 .57 +3 1.11 .58 +2 1.32 .74 +1 1.67 1.12 0 2.04 1.62 -15 2.52 2.20 -25 3.20 2.95 -35 4.03 3.96 - 4 or lower5 *** *** 1Policies for 1975 through 1981 Post-FIRM and Pre-FIRM buildings in Zones VE and V1-V30 will be allowed to use the Post-’81 V Zone rate table if the rates are more favorable to the insured. See instructions on page RATE 23 for V Zone Optional Rating. 2Rates provided are only for elevated buildings, except those elevated on solid perimeter foundation walls. For buildings elevated on solid perimeter foundation walls, and for non-elevated buildings, use the Specific Rating Guidelines document. 3With Obstruction—The space below has an area of less than 300 square feet with breakaway solid walls or contains equipment below the BFE. If the space below has an area of 300 square feet or more, or if any portion of the space below the elevated floor is enclosed with non-breakaway walls, submit for rating. If the enclosure is at or above the BFE, use the “Free of Obstruction” rate table on the preceding page. The elevation of the bottom enclosure floor is the lowest floor for rating (LFE). 4Wave height adjustment is not required in those cases where the Flood Insurance Rate Map indicates that the map includes wave height. 5For buildings with obstruction, use Submit-for-Rate guidelines if the enclosure below the lowest elevated floor of an elevated building, which is used for rating, is 1 or more feet below BFE. ***SUBMIT FOR RATING. Include a copy of the variance, a recent photograph and blueprints (including a site grading plan if ocean front) with the Application, and a post-construction (or pre-construction if builder’s risk) Elevation Certificate. Do not submit any premium with the application. No applicant for insurance on Post-FIRM construction or substantial improvement for which asterisks are shown (there is no risk premium rate) in the Flood Insurance Manual can obtain flood coverage until FEMA has approved the Application and established the risk premium for the building. TABLE 5C. RCBAP HIGH-RISE AND LOW-RISE BUILDING RATES (Including Townhouse/Rowhouse) ANNUAL RATES PER $100 OF COVERAGE 1981 POST-FIRM V ZONE RATES SUBMIT FOR RATING X. CONDOMINIUM RATING EXAMPLES TABLE OF CONTENTS EXAMPLE PAGE Example 1 Pre-FIRM, Low-rise, with Enclosure, Coinsurance Penalty, Zone A................CONDO 24 Example 2 Pre-FIRM, Low-rise, No Basement/Enclosure, Zone AE ................................. CONDO 25 Example 3 Post-FIRM, Low-rise, Coinsurance Penalty, Zone AE...................................... CONDO 26 Example 4 Post-FIRM, Low-rise, Standard Deductible, Zone AE ...................................... CONDO 27 Example 5 Pre-FIRM, High-rise, Standard Deductible, Coinsurance Penalty, Zone A......CONDO 28 Example 6 Pre-FIRM, High-rise, Basement, Maximum Discount, Zone AE....................... CONDO 29 Example 7 Post-FIRM, High-rise, Standard Deductible, Zone AE ..................................... CONDO 30 Example 8 Pre-FIRM, High-rise, Enclosure, Maximum Discount, Coinsurance Penalty, Zone AE..............................................................................................CONDO 31 CONDOMINIUM RATING EXAMPLE 1 PRE-FIRM, LOW-RISE, WITH ENCLOSURE, COINSURANCE PENALTY, ZONE A Regular Program • Building Coverage: $140,000 • Contents Coverage: $100,000 • Condominium Type: Low-rise • Flood Zone: A • Occupancy: Other Residential • # of Units: 6 • Date of Construction: Pre-FIRM • Building Type: 3 Floors Including Enclosure • Deductible: $2,000/$1,000 • Deductible Factor: .980 • Replacement Cost: $600,000 • Elevation Difference: N/A • 80% Coinsurance Amount: $480,000 • ICC Premium: $75 ($30,000 Coverage) • CRS Rating: N/A • CRS Discount: N/A Determined Rates: Building: .75/.64 Contents: .96/.72 COVERAGE BASIC LIMITS AMOUNT OF INSURANCE RATE ANNUAL PREMIUM ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) AMOUNT OF INSURANCE RATE ANNUAL PREMIUM DEDUCTIBLE PREM. REDUCTION/ INCREASE BASIC AND ADDITIONAL TOTAL AMOUNT OF INSURANCE TOTAL PREMIUM BUILDING 140,000 .75 1,050 0 .64 0 -21 140,000 1,029 CONTENTS 20,000 .96 192 80,000 .72 576 -15 100,000 753 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT ANNUAL SUBTOTAL 1,782 . MANUAL . SUBMIT FOR RATING OPTION: ICC PREMIUM 75 . ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD SUBTOTAL 1,857 . MORTGAGE PORTFOLIO PROTECTION PROGRAM . OTHER: CRS PREMIUM DISCOUNT % . . PROVISIONAL RATING SUBTOTAL 1,857 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT PROBATION SURCHARGE . ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. FEDERAL POLICY FEE 150 SIGNATURE OF INSURANCE AGENT/BROKER DATE(MM/DD/YY) TOTAL PREPAID AMOUNT 2,007 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $1,050 / Contents: $768 2. Apply Deductible Factor: Building: .980 x $1,050 = $1,029 / Contents: .980 x $768 = $753 3. Premium Reduction: Building: $1,050 - $1,029 = $21 / Contents: $768 - $753 = $15 4. Subtotal: $1,782 5. Add ICC Premium: $75 6. Subtract CRS Discount: N/A 7. Subtotal: $1,857 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $150 10. Total Prepaid Amount: $2,007 CLAIMS ADJUSTMENT WITH COINSURANCE PROVISION Claim Payment is determined as follows: (Insurance Carried) 140,000 x (Amount of Loss) 100,000 = (Limit of Recovery) 29,167 - Less Deductible (Insurance Required) 480,000 (Coinsurance Penalty applies because minimum insurance amount of $480,000 was not met.) CONDOMINIUM RATING EXAMPLE 2 PRE-FIRM, LOW-RISE, NO BASEMENT/ENCLOSURE, ZONE AE Regular Program • Building Coverage: $480,000 • Contents Coverage: $50, 000 • Condominium Type: Low-rise • Flood Zone: AE • Occupancy: Other Residential • # of Units: 6 • Date of Construction: Pre-FIRM • Building Type: 1 Floor, No Basement • Deductible: $500/$500 • Deductible Factor: 1.015 • Replacement Cost: $600,000 • Elevation Difference: N/A • 80% Coinsurance Amount: $480,000 • ICC Premium: $75 ($30,000 Coverage) • CRS Rating: N/A • CRS Discount: N/A Determined Rates: Building: .70/.44 Contents: .96/.83 COVERAGE BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM PREM. REDUCTION/ INCREASE TOTAL AMOUNT OF INSURANCE BUILDING 300,000 .70 2,100 180,000 .44 792 +43 480,000 2,935 CONTENTS 20,000 .96 192 30,000 .83 249 +7 50,000 448 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT ANNUAL SUBTOTAL 3,383 . MANUAL . SUBMIT FOR RATING OPTION: ICC PREMIUM 75 . ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD SUBTOTAL 3,458 . MORTGAGE PORTFOLIO PROTECTION PROGRAM . OTHER: CRS PREMIUM DISCOUNT % . . PROVISIONAL RATING SUBTOTAL 3,458 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT PROBATION SURCHARGE . ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. FEDERAL POLICY FEE 150 SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) TOTAL PREPAID AMOUNT 3,608 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $2,892 / Contents: $441 2. Apply Deductible Factor: Building: 1.015 x $2,892 = $2,935 / Contents: 1.015 x $441 = $448 3. Premium Increase: Building: $2,935 - $2,892 = $43 / Contents: $448 - $441 = $7 4. Subtotal: $3,383 5. Add ICC Premium: $75 6. Subtract CRS Discount: N/A 7. Subtotal: $3,458 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $150 10. Total Prepaid Amount: $3,608 CLAIMS ADJUSTMENT WITH COINSURANCE PROVISION Coinsurance Penalty does not apply since minimum insurance amount of 80% was met. CONDOMINIUM RATING EXAMPLE 3 POST-FIRM, LOW-RISE, COINSURANCE PENALTY, ZONE AE Regular Program • Building Coverage: $750,000 • Contents Coverage: $100,000 • Condominium Type: Low-rise • Flood Zone: AE • Occupancy: Other Residential • # of Units: 14 • Date of Construction: Post-FIRM • Building Type: 2 Floors, No Basement/Enclosure • Deductible: $500/$500 • Deductible Factor: 1.000 • Replacement Cost: $1,120,000 • Elevation Difference: +1 • 80% Coinsurance Amount: $896,000 • ICC Premium: $6 ($30,000 Coverage) • CRS Rating: N/A • CRS Discount: N/A Determined Rates: Building: .28/.08 Contents: .38/.12 COVERAGE BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM PREM. REDUCTION/ INCREASE TOTAL AMOUNT OF INSURANCE BUILDING 700,000 .28 1,960 50,000 .08 40 0 750,000 2,000 CONTENTS 20,000 .38 76 80,000 .12 96 0 100,000 172 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT ANNUAL SUBTOTAL 2,172 . MANUAL . SUBMIT FOR RATING OPTION: ICC PREMIUM 6 . ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD SUBTOTAL 2,178 . MORTGAGE PORTFOLIO PROTECTION PROGRAM . OTHER: CRS PREMIUM DISCOUNT % . . PROVISIONAL RATING SUBTOTAL 2,178 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT PROBATION SURCHARGE . ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. FEDERAL POLICY FEE 330 SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) TOTAL PREPAID AMOUNT 2,508 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $2,000 / Contents: $172 2. Apply Deductible Factor: Building: 1.000 x $2,000 = $2,000 / Contents: 1.000 x $172 = $172 3. Premium Reduction/Increase: Building: $0 / Contents: $0 4. Subtotal: $2,172 5. Add ICC Premium: $6 6. Subtract CRS Discount: N/A 7. Subtotal: $2,178 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $330 10. Total Prepaid Amount: $2,508 CLAIMS ADJUSTMENT WITH COINSURANCE PROVISION Claim Payment is determined as follows: (Insurance Carried) 750,000 x (Amount of Loss) 300,000 = (Limit of Recovery) 251,116 - Less Deductible (Insurance Required) 896,000 (Coinsurance Penalty applies because minimum insurance amount of $896,000 was not met.) CONDOMINIUM RATING EXAMPLE 4 POST-FIRM, LOW-RISE, STANDARD DEDUCTIBLE, ZONE AE Regular Program • Building Coverage: $600,000 • Contents Coverage: $15,000 • Condominium Type: Low-rise • Flood Zone: AE • Occupancy: Other Residential • # of Units: 6 • Date of Construction: Post-FIRM • Building Type: 3 Floors, Townhouse, No Basement/Enclosure • Deductible: $500/$500 • Deductible Factor: 1.000 • Replacement Cost: $600,000 • Elevation Difference: +2 • 80% Coinsurance Amount: $480,000 • ICC Premium: $6 ($30,000 Coverage) • CRS Rating: N/A • CRS Discount: N/A Determined Rates: Building: .18/.08 Contents: .38/.12 COVERAGE BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM PREM. REDUCTION/ INCREASE TOTAL AMOUNT OF INSURANCE BUILDING 300,000 .18 540 300,000 .08 240 0 600,000 780 CONTENTS 15,000 .38 57 0 .12 0 15,000 57 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT ANNUAL SUBTOTAL 837 . MANUAL . SUBMIT FOR RATING OPTION: ICC PREMIUM 6 . ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD SUBTOTAL 843 MORTGAGE PORTFOLIO PROTECTION PROGRAM . OTHER: CRS PREMIUM DISCOUNT % . . PROVISIONAL RATING SUBTOTAL 843 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT PROBATION SURCHARGE . ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. FEDERAL POLICY FEE 150 SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) TOTAL PREPAID AMOUNT 993 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $780 / Contents: $57 2. Apply Deductible Factor: Building: 1.000 x $780 = $780 / Contents: 1.000 x $57 = $57 3. Premium Reduction/Increase: Building: $0 / Contents: $0 4. Subtotal: $837 5. Add ICC Premium: $6 6. Subtract CRS Discount: N/A 7. Subtotal: $843 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $150 10. Total Prepaid Amount: $993 CLAIMS ADJUSTMENT WITH COINSURANCE PROVISION Coinsurance Penalty does not apply since the minimum insurance amount of 80% was met. CONDOMINIUM RATING EXAMPLE 5 PRE-FIRM, HIGH-RISE, STANDARD DEDUCTIBLE, COINSURANCE PENALTY, ZONE A Regular Program • Building Coverage: $1,110,000 • Contents Coverage: $100,000 • Condominium Type: High-rise • Flood Zone: A • Occupancy: Other Residential • # of Units: 50 • Date of Construction: Pre-FIRM • Building Type: 3 or More Floors, No Basement/Enclosure • Deductible: $1,000/$1,000 • Deductible Factor: 1.000 • Replacement Cost: $1,500,000 • Elevation Difference: N/A • 80% Coinsurance Amount: $1,200,000 • ICC Premium: $75 ($30,000 Coverage) • CRS Rating: 5 • CRS Discount: 25% Determined Rates: Building: .85/.17 Contents: .96/.57 COVERAGE BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIU M PREM. REDUCTION/ INCREASE TOTAL AMOUNT OF INSURANCE BUILDING 150,000 .85 1,275 960,000 .17 1,632 0 1,110,000 2,907 CONTENTS 20,000 .96 192 80,000 .57 456 0 100,000 648 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT ANNUAL SUBTOTAL 3,555 . MANUAL . SUBMIT FOR RATING OPTION: ICC PREMIUM 75 . ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD SUBTOTAL 3,630 . MORTGAGE PORTFOLIO PROTECTION PROGRAM . OTHER: CRS PREMIUM DISCOUNT 25% -908 . PROVISIONAL RATING SUBTOTAL 2,722 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT PROBATION SURCHARGE . ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. FEDERAL POLICY FEE 630 SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) TOTAL PREPAID AMOUNT 3,352 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $2,907 / Contents: $648 2. Apply Deductible Factor: Building: 1.000 x $2,907 = $2,907 / Contents: 1.000 x $648 = $648 3. Premium Reduction/Increase: Building: $0 / Contents: $0 4. Subtotal: $3,555 5. Add ICC Premium: $75 6. Subtract CRS Discount: - $908 (25%) 7. Subtotal: $2,722 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $630 10. Total Prepaid Amount: $3,352 CLAIMS ADJUSTMENT WITH COINSURANCE PROVISION Claim Payment is determined as follows: (Insurance Carried) 1,110,000 x (Amount of Loss) 200,000 = (Limit of Recovery) 185,000 - Less Deductible (Insurance Required) 1,200,000 (Coinsurance Penalty applies because minimum insurance amount of $1,200,000 was not met.) CONDOMINIUM RATING EXAMPLE 6 PRE-FIRM, HIGH-RISE, BASEMENT, MAXIMUM DISCOUNT, ZONE AE Regular Program • Building Coverage: $3,000,000 • Contents Coverage: $100,000 • Condominium Type: High-rise • Flood Zone: AE • Occupancy: Other Residential • # of Units: 50 • Date of Construction: Pre-FIRM • Building Type: 3 or More Floors, including Basement • Deductible: $5,000/$5,000 • Deductible Factor: .920 (Maximum Total Discount of $276 applies) • Replacement Cost: $3,750,000 • Elevation Difference: N/A • 80% Coinsurance Amount: $3,000,000 • ICC Premium: $75 ($30,000 Coverage) • CRS Rating: 8 • CRS Discount: 10% Determined Rates: Building: .90/.25 Contents: .96/.69 COVERAGE BASIC LIMITS AMOUNT OF INSURANCE RATE ANNUAL PREMIUM ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) AMOUNT OF INSURANCE RATE ANNUAL PREMIUM DEDUCTIBLE PREM. REDUCTION/ BASIC AND ADDITIONAL TOTAL AMOUNT OF TOTAL PREMIUM BUILDING 150,000 .90 1,350 2,850,000 .25 7,125 -276 INCREASE 3,000,000 INSURANCE 8,199 CONTENTS 20,000 .96 192 80,000 .69 552 0 100,000 744 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT ANNUAL SUBTOTAL 8,943 . MANUAL . SUBMIT FOR RATING OPTION: ICC PREMIUM 75 . ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD SUBTOTAL 9,018 . MORTGAGE PORTFOLIO PROTECTION PROGRAM . OTHER: CRS PREMIUM DISCOUNT 10% -902 . PROVISIONAL RATING SUBTOTAL 8,116 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT PROBATION SURCHARGE . ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. FEDERAL POLICY FEE 630 SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) TOTAL PREPAID AMOUNT 8,746 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $8,475 / Contents: $744 2. Apply Deductible Factor: Building: .920 x $8,475 = $7,797 / Contents: .920 x $744 = $684 3. Premium Reduction: Building: $276 (maximum discount since $8,475 - $7,797 = $678 exceeds the maximum) / Contents: $0 4. Subtotal: $8,943 5. Add ICC Premium: $75 6. Subtract CRS Discount: -$902 (10%) 7. Subtotal: $8,116 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $630 10. Total Prepaid Amount: $8,746 CLAIMS ADJUSTMENT WITH COINSURANCE PROVISION Coinsurance Penalty does not apply since the minimum insurance amount of 80% was met. NOTE: The NFIP accepts premium only in whole dollars. If the discount for an optional deductible does not result in a whole dollar premium, round up if 50¢ or more; round down if less. Always submit gross premium. CONDOMINIUM RATING EXAMPLE 7 POST-FIRM, HIGH-RISE, STANDARD DEDUCTIBLE, ZONE AE Regular Program • Building Coverage: $12,000,000 • Contents Coverage: $15,000 • Condominium Type: High-rise • Flood Zone: AE • Occupancy: Other Residential • # of Units: 100 • Date of Construction: Post-FIRM • Building Type: 3 or More Floors, No Basement/Enclosure • Deductible: $500/$500 • Deductible Factor: 1.000 • Replacement Cost: $15,000,000 • Elevation Difference: 0 • 80% Coinsurance Amount: $12,000,000 • ICC Premium: $6 ($30,000 Coverage) • CRS Rating: 9 • CRS Discount: 5% Determined Rates: Building: 1.60/.04 Contents: .67/.12 COVERAGE BASIC LIMITS AMOUNT OF INSURANCE RATE ANNUAL PREMIUM ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) AMOUNT OF INSURANCE RATE ANNUAL PREMIUM DEDUCTIBLE PREM. REDUCTION/ BASIC AND ADDITIONAL TOTAL AMOUNT OF INSURANCE TOTAL PREMIUM BUILDING 150,000 1.60 2,400 11,850,000 .04 4,740 0 INCREASE 12,000,000 7,140 CONTENTS 15,000 .67 101 0 .12 0 0 15,000 101 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT ANNUAL SUBTOTAL 7,241 . MANUAL . SUBMIT FOR RATING OPTION: ICC PREMIUM 6 . ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD SUBTOTAL 7,247 . MORTGAGE PORTFOLIO PROTECTION PROGRAM . OTHER: CRS PREMIUM DISCOUNT 5% -362 . PROVISIONAL RATING SUBTOTAL 6,885 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT PROBATION SURCHARGE . ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. FEDERAL POLICY FEE 630 SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) TOTAL PREPAID AMOUNT 7,515 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $7,140 / Contents: $101 2. Apply Deductible Factor: Building: 1.000 x $7,140 = $7,140 / Contents: 1.000 x $101 = $101 3. Premium Increase: Building: $0 / Contents: $0 4. Subtotal: $7,241 5. Add ICC Premium: $6 6. Subtract CRS Discount: - $362 (5%) 7. Subtotal: $6,885 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $630 10. Total Prepaid Amount: $7,515 CLAIMS ADJUSTMENT WITH COINSURANCE PROVISION Coinsurance Penalty does not apply since the minimum insurance amount of 80% was met. NOTE: The NFIP accepts premium only in whole dollars. If the discount for an optional deductible does not result in a whole dollar premium, round up if 50¢ or more; round down if less. Always submit gross premium. CONDOMINIUM RATING EXAMPLE 8 PRE-FIRM, HIGH-RISE, ENCLOSURE, MAXIMUM DISCOUNT, COINSURANCE PENALTY, ZONE AE Regular Program • Building Coverage: $4,000,000 • Contents Coverage: $100,000 • Condominium Type: High-rise • Flood Zone: AE • Occupancy: Other Residential • # of Units: 200 • Date of Construction: Pre-FIRM • Building Type: 3 or More Floors, Including Enclosure • Deductible: $2,000/$2,000 • Deductible Factor: .980 (Maximum Total Discount of $111 applies) • Replacement Cost: $18,000,000 • Elevation Difference: N/A • 80% Coinsurance Amount: $14,400,000 • ICC Premium: $75 ($30,000 Coverage) • CRS Rating: N/A • CRS Discount: N/A Determined Rates: Building: .90/.17 Contents: .96/.83 COVERAGE BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM PREM. REDUCTION/ INCREASE TOTAL AMOUNT OF INSURANCE BUILDING 150,000 .90 1,350 3,850,000 .17 6,545 -111 4,000,000 7,784 CONTENTS 20,000 .96 192 80,000 .83 664 0 100,000 856 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT ANNUAL SUBTOTAL 8,640 . MANUAL . SUBMIT FOR RATING OPTION: ICC PREMIUM 75 . ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD SUBTOTAL 8,715 . MORTGAGE PORTFOLIO PROTECTION PROGRAM . OTHER: CRS PREMIUM DISCOUNT % . . PROVISIONAL RATING SUBTOTAL 8,715 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT PROBATION SURCHARGE . ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. FEDERAL POLICY FEE 630 SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) TOTAL PREPAID AMOUNT 9,345 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $7,895 / Contents: $856 2. Apply Deductible Factor: Building: .980 x $7,895 = $7,737 / Contents: .980 x $856 = $839 3. Premium Reduction: Building: $111 (maximum discount since $7,895 - $7,737 = $158 exceeds the maximum) / Contents: $0 4. Subtotal: $8,640 5. Add ICC Premium: $75 6. Subtract CRS Discount: N/A 7. Subtotal: $8,715 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $630 10. Total Prepaid Amount: $9,345 CLAIMS ADJUSTMENT WITH COINSURANCE PROVISION Claim Payment is determined as follows: (Insurance Carried) 4,000,000 x (Amount of Loss) 1,000,000 = (Limit of Recovery) 277,778 - Less Deductible (Insurance Required) 14,400,000 (Coinsurance Penalty applies because minimum insurance amount of $14,400,000 was not met.) LFG 21 May 1, 2007 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 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 May 1, 2007 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 31 May 1, 2007 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. Attached 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. 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 any crawl space or enclosure(s) below the lowest elevated floor (including an attached garage) and generally 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) were phased in on a voluntary basis through December 31, 2006. Elevations certified on or after January 1, 2007, must be submitted on the new form. An exception is made 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 of the old EC that the community had the data on file before January 1, 2007. Current photograph requirements, and exceptions to them, are described in Section II. below. 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. PHOTOGRAPH REQUIREMENTS Generally, all new business applications for elevation-rated risks with a policy effective date of January 1, 2007, or later must be submitted with a least two photographs that show the front and back of the building and were taken and dated within 90 days of the mailing date (not the certification date, if that date was earlier). 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. • Exception 1: When an agent moves his or her book of business from one WYO company to another, or when one WYO company acquires another’s book of business, photographs are not required. FEMA will continue to consider such policies as renewals, even though they are reported as new business under the Transaction Record Reporting and Processing Plan. (However, when an insured changes agent and WYO company, that policy is considered new business, and photographs are required.) • Exception 2: When a Flood Insurance Application and an EC are submitted for a building in the course of construction, photographs are not required and proposed elevations will be used for rating. When the building is completed, a revised EC with required photographs and as-built elevations must be submitted for use in re-rating the policy. These new requirements also apply to all renewal and endorsement transactions adding elevation rating effective on or after January 1, 2007. For the convenience of users, two Building Photographs pages are included with the EC and instructions. However, photographs may be attached to any sheet(s) of blank paper or business letterhead. All photographs must measure at least 3”×3”, provide a clear image of the building’s distinguishing features, and include date taken. Analog or digital photographs are acceptable. Color photographs are preferred. An Elevation Certificate submitted without the required photographs is not considered valid for rating, unless the building is in the course of construction. Each WYO company may use its current business practices in handling ECs without photographs, whether that is tentative rating, provisional rating, or rejection of the application. 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. PHOTOGRAPH 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 For Zone A (without a FEMA-issued or required to provide a number of elevations community-issued BFE) and Zone AO, a based on the building type selected. property owner or owner’s authorized representative may complete Sections A, B, and • From the elevations gathered, the insurance E. agent is required to determine the lowest Section F – Property Owner (or Owner’s floor for rating flood insurance. Representative) Certification Address and other contact information about the As it relates to Section C, information found not to be applicable to the property being certified property owner are requested in Section F. The should be marked N/A (not applicable) by the party completing Sections A, B, C (on the old surveyor, engineer, or architect. If any part of EC, Items C3.h and C3.i only), and E must execute Section F as well. Section C is left blank, critically review it and contact the surveyor, engineer, or architect who Section G – Community Information (Optional) completed the form and your company underwriter with any questions. The local official who is authorized by law or ordinance to administer the community’s floodplain management ordinance may transfer Elevation(s) of machinery and equipment elevation information found on existingservicing the building (e.g., water heater, documentation (i.e., an older elevation furnace, a/c compressor, heat pump, water certification form, or surveyor letterhead) topump) must be provided, regardless of its Section C of the EC. The local official must then location, whether inside or outside of the certify this information by fully completing building, elevated on a platform or non-elevated. Section G. A statement advising FEMA of this transfer of information must be made in the The surveyor, engineer, or architect may not be comment section of the newer EC. Section G able to gain access to some crawl spaces to may also be used to certify Item E4.shoot the elevation of the crawl space floor. In this instance, Item C2.a on the new EC (C3.a on IV. FLOODPROOFING CERTIFICATE the old EC) may be left blank and the estimated measurements entered in the Comments area of A. Purpose and Eligibility Section D. • In certain circumstances, floodproofing may be permitted as an alternative to elevating to Elevations in Section C are based on feet, or above the Base Flood Elevation (BFE); except in Puerto Rico, where the metric system however, a floodproofing design certification is used. The agent must convert any metric is required. Certified floodproofing may elevation readings into feet before calculating result in lower rates. the flood insurance premium. • Non-residential buildings in any community, in all locations except in V-Zones, may be Section D – Surveyor, Engineer, or Architect floodproofed in lieu of elevating.Certification • Residential buildings may be floodproofed Section D is the surveyor’s, engineer’s, or only if they have basements, are located in architect’s certification that the information Zones A1-A30, AE, AR, AR Dual, AO, and provided in Sections A, B, and C is AH, and only if they are located in representative of the certifier’s best efforts to communities specifically approved and interpret the data available. The surveyor’s, authorized by FEMA. A current list of engineer’s, or architect’s signature and approved communities appears on page identification number are required fields. Some CERT 5. States also may require a seal. • The allowable methods of floodproofing for Section E – Building Elevation Information non-residential buildings differ from those (Survey Not Required) for Zone AO and Zone allowed for residential buildings. The A (Without BFE) specific requirements should be available from the local government.Building Diagram Number (old EC) and the elevation difference between the lowest floor B. Specifications and the lowest adjacent grade (new EC) and highest adjacent grade are required. The specifications for floodproofing ensure that the building is watertight without human CERT 3 May 1, 2007 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. 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. However, 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. 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. 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 May 1, 2007 • 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. MORTGAGE PORTFOLIO PROTECTION PROGRAM I. BACKGROUND The Mortgage Portfolio Protection Program (MPPP) was introduced on January 1, 1991, as an additional tool to assist the mortgage lending and servicing industries in bringing their mortgage portfolios into compliance with the flood insurance requirements of the Flood Disaster Protection Act of 1973. The MPPP is not intended to act as a substitute for the need for mortgagees to review all mortgage loan applications at the time of loan origination and comply with flood insurance requirements as appropriate. Proper implementation of the various requirements of the MPPP usually results in mortgagors, after their notification of the need for flood insurance, either showing evidence of such a policy, or contacting their local insurance agent or appropriate Write Your Own (WYO) company to purchase the necessary coverage. It is intended that flood insurance policies be written under the MPPP only as a last resort, and only on mortgages whose mortgagors have failed to respond to the various notifications required by the MPPP. MORTGAGE PORTFOLIO PROTECTION PROGRAM RATE AND INCREASED COST OF COMPLIANCE (ICC) TABLE ZONE MPPP Rates per $100 of Building Coverage MPPP Rates per $100 of Contents Coverage ICC Premium for $30,000 Coverage Emergency Program Community 2.77 2.92 N/A A Zones - All building & occupancy types, except A99, AR, AR Dual Zones 2.77 / 1.39 2.92 / 1.39 75.00 V Zones - All building & occupancy types 4.31 / 4.31 4.05 / 4.05 75.00 A99 Zone, AR, AR Dual Zones .74 / .44 .98 / .39 6.00 NOTES: (1) ICC coverage does not apply to contents-only policies or to individually owned condominium units insured under the Dwelling Form or General Property Form. (2) The ICC premium is not eligible for the deductible discount. First calculate the deductible discount, then add in the ICC premium. (3) Add Federal Policy Fee and Probation Surcharge, if applicable, when computing the premium. (4) MPPP policies are not eligible for Community Rating System premium discounts. II. REQUIREMENTS FOR PARTICIPATING IN THE MPPP The following paragraphs represent the criteria and requirements that must be followed by all parties engaged in the sale of flood insurance under the National Flood Insurance Program's Mortgage Portfolio Protection Program. A. General 1. All mortgagors notified, in conjunction with this Program, of their need to purchase flood insurance must be encouraged to obtain a Standard Flood Insurance Policy (SFIP) from their local agent. 2. When a mortgagee or a mortgage servicing company discovers, at any time following loan origination, that one or more of the loans in its portfolio is determined to be located in a Special Flood Hazard Area (SFHA), and that there is no evidence of flood insurance on such property(ies), then the MPPP may be used by such lender/servicer to obtain (force place) the required flood insurance coverage. The MPPP process can be accomplished with limited underwriting information and with special flat flood insurance rates. 3. In the event of a loss, the policy will have to be reformed if the wrong rate has been applied for the zone in which the property is located. Also, the amount of coverage may have to be changed if the building occupancy does not support that amount. 4. It will be the WYO company's responsibility to notify the mortgagor of all coverage limitations at the inception of coverage and to impose those limitations that are applicable at the time of loss adjustment. B. WYO Arrangement Article III—Fees With the implementation of the MPPP, there is no change in the method of WYO company allowance from that which is provided in the Financial Assistance/Subsidy Arrangement for all flood insurance written. C. Use of WYO Company Fees for Lenders/Servicers or Others 1. No portion of the allowance that a WYO company retains under the WYO Financial Assistance/ Subsidy Arrangement for the MPPP may be used to pay, reimburse or otherwise remunerate a lending institution, mortgage servicing company, or other similar type of company that the WYO company may work with to assist in its flood insurance compliance efforts. 2. The only exception to this is a situation where the lender/ servicer may be actually due a commission on any flood insurance policies written on any portion of the institution's portfolio because it was written through a licensed property insurance agent on their staff or through a licensed insurance agency owned by the institution or servicing company. D. Notification 1. WYO Company/Mortgagee— Any WYO company participating in the MPPP must notify the lender or servicer, for which it is providing the MPPP capability, of the requirements of the MPPP. The WYO company must obtain signed evidence from each such lender or servicer indicating their receipt IV. ENDORSEMENT RATING EXAMPLES TABLE OF CONTENTS EXAMPLE PAGE Example 1 Increasing Coverage on a Preferred Risk Policy..................................... END 6 Example 2 Increasing Coverage, Program Conversion............................................. END 7 Example 3 Increasing Coverage................................................................................ END 8 Example 4 Increasing Coverage After a Rate Change.............................................. END 9 Example 5 Removing Contents ................................................................................. END 10 Example 6 Reducing Building Coverage ................................................................... END 11 Example 7 Increasing Deductible .............................................................................. END 12 EXAMPLE 1 INCREASING COVERAGE ON A PREFERRED RISK POLICY • • Policy term is October 15, 2006-2007 Pre-FIRM, X-Zone, with basement • Rates in effect on the effective date of the policy are to be used in calculating the premiums. •• Present coverage: Building $75,000/Contents $30,000 Premium at policy inception was $232. • • The difference between these two premiums is $99. Prorate the difference using the pro rata factor below: • Endorsement effective date is June 2, 2007. Time period is June 2, 2007, to October 15, 2007 • Coverages added are $125,000 on the building and $50,000 on the contents for a total of Number of days is 135 Pro rata factor is .370 $200,000 on the building and $80,000 on the contents. SECTION A SECTION B NEW INSURANCE COVERAGE CURRENT COVERAGE + INCREASED — DECREASED COVERAGE ONLY PREMIUM TOTALS AMOUNT RATE PREMIUM AMOUNT RATE PREMIUM BUILDING BASIC 75,000 . 232 125,000 . 331 331 BUILDING . ADDITIONAL CONTENTS BASIC 30,000 50,000 . CONTENTS . ADDITIONAL IF CHANGING AMOUNT OF INSURANCE, ENTER NEW TOTAL AMOUNT BELOW PAYMENT OPTION: SUBTOTAL 331 BUILDING COVERAGE CONTENTS COVERAGE CREDIT CARD DEDUCT. DISCOUNT/SURCHARGE . BASIC ADDITIONAL TOTAL BASIC ADDITIONAL TOTAL OTHER: SUBTOTAL 331 200,000 80,000 ICC PREMIUM . SUBTOTAL 331 IF RETURN PREMIUM, MAIL REFUND TO: . INSURED AGENT . PAYOR. THE ABOVE CRS PREMIUM DISCOUNT ____% . STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT SUBTOTAL 331 ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER PREMIUM PREVIOUSLY PAID APPLICABLE FEDERAL LAW. (Excludes Probation Surcharge/ Federal Policy Fee) 232 DIFFERENCE + (+/-) +99 SIGNATURE OF INSURED AND DATE SIGNATURE OF INSURANCE AGENT/BROKER DATE (MMDDYY) PRO RATA FACTOR .370 TOTAL (+/-) +37 EXAMPLE 2 INCREASING COVERAGE, PROGRAM CONVERSION • Policy term is January 15, 2007-2008 • Single family dwelling, no basement, Pre-FIRM • Present coverage: Building $35,000/ Contents $10,000 • Policy conversion date from Emergency to Regular Program: July 15, 2007 • Building located in an A99 Zone • Premium rates are: Building .64/.17, Contents .99/.30. • Endorsement effective date is August 14, 2007. (The Emergency Program premiums that already exist on this policy are earned for the remainder of the policy term; they are not refundable.) • The coverages being added are $50,000 on the building and $15,000 on the contents for a total of $85,000 on the building and $25,000 on the contents; and $30,000 coverage for ICC. • To increase coverage, complete Sections A and B. Section A is for current coverage, Section B should show only the amounts of the increases. • $15,000 of the $50,000 coverage to be added on the building must be calculated in the “Amount” column under Section B, “Increased-Decreased Coverage Only” (using the applicable rate) to amend the present coverage to the threshold for the Regular Program basic limits. • $10,000 of the $15,000 coverage to be added on the contents must be calculated under the “Amount” column under Section B, “Increased-Decreased Coverage Only” (using the applicable rate) to amend the present coverage to the threshold for the Regular Program basic limits. • Add Sections A and B premiums to obtain the New Premium Subtotals. • Add the ICC premium, which was not paid in the Emergency Program. • The Premium Previously Paid is $362 (excluding ICC/Probation Surcharge/Federal Policy Fee). • Subtract the Premium Previously Paid from the Premium Total to obtain the Difference (additional/return premium). • Prorate the Difference Time period is August 14, 2007, to January 15, 2008 Number of days is 154 Pro rata factor is .422 INSURANCE COVERAGE SECTION A CURRENT COVERAGE + INCREASED SECTION B — DECREASED COVERAGE ONLY NEW PREMIUM TOTALS AMOUNT RATE PREMIUM AMOUNT RATE PREMIUM BUILDING BASIC 35,000 .76 266 15,000 .64 96 362 BUILDING ADDITIONAL 35,000 .17 60 60 CONTENTS BASIC 10,000 .96 96 10,000 .99 99 195 CONTENTS ADDITIONAL 5,000 .30 15 15 IF CHANGING AMOUNT OF INSURANCE, ENTER NEW TOTAL AMOUNT BELOW PAYMENT OPTION: SUBTOTAL 632 BUILDING COVERAGE CONTENTS COVERAGE CREDIT CARD DEDUCT. DISCOUNT/SURCHARGE . BASIC ADDITIONAL TOTAL BASIC ADDITIONAL TOTAL OTHER: SUBTOTAL 632 50,000 35,000 85,000 20,000 5,000 25,000 ICC PREMIUM 6 SUBTOTAL 638 IF RETURN PREMIUM, MAIL REFUND TO: . INSURED . AGENT . PAYOR. THE ABOVE CRS PREMIUM DISCOUNT ____% . STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT SUBTOTAL 638 ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. PREMIUM PREVIOUSLY PAID (Excludes Probation Surcharge/ Federal Policy Fee) 362 DIFFERENCE + (+/-) +276 SIGNATURE OF INSURED AND DATE SIGNATURE OF INSURANCE AGENT/BROKER DATE (MMDDYY) PRO RATA FACTOR .422 TOTAL (+/-) +116 EXAMPLE 3 INCREASING COVERAGE • Policy term is December 12, 2006-2007 • $10,000 of the $15,000 coverage to be added on the contents must be calculated under the • Single family dwelling, no basement “Amount” column under Section B, “Increased •• Pre-FIRM Building Building located in Zone C Decreased Coverage Only” (using the applicable rate) to amend the present coverage to the threshold for the Regular Program basic limits. • Present coverage: Building $35,000/ Contents $10,000 • Add Section A and B premiums to obtain the New Premium Totals. • Add the New Premium Totals to calculate the • Endorsement is effective on May 1, 2007, to add additional coverage of $65,000 on the building and $15,000 on the contents for a total of • Premium Subtotal. Add in the ICC Premium. • $100,000 building coverage and $25,000 contents coverage. Premium rates are: Building .64/.17, Contents .99/.30. • The Premium Previously Paid is $329 (excluding Probation Surcharge/Federal Policy Fee) which is the total current annual premium including ICC premium. • To increase coverage, complete Sections A and B. Section A is for current coverage. Section B should show the amount of the coverage increase only. • • Subtract the Premium Previously Paid from the Premium Total to obtain the Difference (should be additional/return premium). Prorate the Difference • $15,000 of the $50,000 coverage to be added on the building must be calculated in the “Amount” column under Section B, “Increased-Decreased Time period is May 1, 2007, to December 12, 2007 Coverage Only” (using the applicable rate) to amend the present coverage to the threshold for the Regular Program basic limits. Number of days is 225 Pro rata factor is .616 INSURANCE COVERAGE SECTION A CURRENT COVERAGE + INCREASED SECTION B — DECREASED COVERAGE ONLY NEW PREMIUM TOTALS AMOUNT RATE PREMIUM AMOUNT RATE PREMIUM BUILDING BASIC 35,000 .64 224 15,000 .64 96 320 BUILDING ADDITIONAL 50,000 .17 85 85 CONTENTS BASIC 10,000 .99 99 10,000 .99 99 198 CONTENTS ADDITIONAL 5,000 .30 15 15 IF CHANGING AMOUNT OF INSURANCE, ENTER NEW TOTAL AMOUNT BELOW PAYMENT OPTION: SUBTOTAL 618 BUILDING COVERAGE CONTENTS COVERAGE CREDIT CARD DEDUCT. DISCOUNT/SURCHARGE . BASIC ADDITIONAL TOTAL BASIC ADDITIONAL TOTAL OTHER: SUBTOTAL 618 50,000 50,000 100,000 20,000 5,000 25,000 ICC PREMIUM 6 SUBTOTAL 624 IF RETURN PREMIUM, MAIL REFUND TO: . INSURED . AGENT . PAYOR. THE ABOVE CRS PREMIUM DISCOUNT ____% . STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT SUBTOTAL 624 ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. PREMIUM PREVIOUSLY PAID (Excludes Probation Surcharge/ Federal Policy Fee) 329 DIFFERENCE + (+/-) +295 SIGNATURE OF INSURED AND DATE SIGNATURE OF INSURANCE AGENT/BROKER DATE (MMDDYY) PRO RATA FACTOR .616 TOTAL (+/-) +182 EXAMPLE 4 INCREASING COVERAGE AFTER A RATE CHANGE • Policy term is July 15, 2006-2007 • Single family dwelling, Regular Program • One floor, no basement • Current policy limits: Building $30,000 Contents $8,000 • Building located in an AE Zone, Post-FIRM • Premium rates are: Building 1.19, Contents • Post-FIRM construction with a 0 elevation difference • Endorsement effective date is May 15, 2007 • The coverages being added are $15,000 on the building and $7,000 on contents for a total of $45,000 building coverage and $15,000 contents coverage. • A rate increase takes effect on May 1, 2007. • Rates in effect on the effective date of the policy are to be used. • In Section A, enter the basic limits and rates for building and contents in effect at the beginning of the policy term. 1.10 • In Section B, enter the $15,000 basic building amount, and the applicable rate (1.19). (See page END 1, “Additional Coverage or Increase in Amount of Insurance.” Companies are allowed to use either rates in effect at policy inception or rates in effect at endorsement effective date.) • In Section B, enter the $7,000 basic contents amount and the applicable rate (1.10). • Add Sections A and B premiums to obtain the New Premium Totals. • Add the New Premium Totals to calculate the Premium Subtotal. • Add in the ICC Premium. • The Premium Previously Paid is $418 (excluding Probation Surcharge/Federal Policy Fee), which is the total current annual premium including ICC premium. • Subtract the Premium Previously Paid from the Premium Total to obtain the Difference (should be additional/return premium). • Prorate the Difference Time period is May 15, 2007, to July 15, 2007 Number of days is 61 Pro rata factor is .167 INSURANCE COVERAGE SECTION A CURRENT COVERAGE + INCREASED SECTION B — DECREASED COVERAGE ONLY NEW PREMIUM TOTALS AMOUNT RATE PREMIUM AMOUNT RATE PREMIUM BUILDING BASIC 30,000 1.08 324 15,000 1.19 179 503 BUILDING ADDITIONAL CONTENTS BASIC 8,000 1.10 88 7,000 1.10 77 165 CONTENTS ADDITIONAL IF CHANGING AMOUNT OF INSURANCE, ENTER NEW TOTAL AMOUNT BELOW PAYMENT OPTION: SUBTOTAL 668 BUILDING COVERAGE CONTENTS COVERAGE CREDIT CARD DEDUCT. DISCOUNT/SURCHARGE . BASIC ADDITIONAL TOTAL BASIC ADDITIONAL TOTAL OTHER: SUBTOTAL 668 45,000 0 45,000 15,000 0 15,000 ICC PREMIUM 6 SUBTOTAL 674 IF RETURN PREMIUM, MAIL REFUND TO: . INSURED AGENT . PAYOR. THE ABOVE CRS PREMIUM DISCOUNT ____% . STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT SUBTOTAL 674 ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. PREMIUM PREVIOUSLY PAID (Excludes Probation Surcharge/ Federal Policy Fee) 418 DIFFERENCE + (+/-) +256 SIGNATURE OF INSURED AND DATE SIGNATURE OF INSURANCE AGENT/BROKER DATE (MMDDYY) PRO RATA FACTOR .167 TOTAL (+/-) +43 EXAMPLE 5 REMOVING CONTENTS • Policy term is May 20, 2006-2007 • Enter the decrease in contents coverage in Section B. • Non-residential structure • Add all New Premium Totals to obtain the • Emergency Program Premium Subtotal. • • Policy limits: Building $100,000/Contents $100,000 Insured purchased a new business location and moved the contents to the new location while still • The Premium Previously Paid is $2,450 (excluding Probation Surcharge/Federal Policy Fee), which is the total current premium from Section A. retaining the old location as rental property. (This explanation should be recorded in the Reason for Change section of the General Change Endorsement form.) • • Subtract the Premium Previously Paid from the Premium Total to obtain the Difference (should be additional/return premium). Prorate the Difference • • Present rates for building and contents are .83/1.62. Removal date and effective date of change is January 14, 2007. Time period is January 14, 2007, to May 20, 2007 Number of days is 126 Pro rata factor is .345 • Enter the current building and contents coverages in Section A and the current rates (.83/1.62). INSURANCE COVERAGE SECTION A CURRENT COVERAGE + INCREASED SECTION B — DECREASED COVERAGE ONLY NEW PREMIUM TOTALS AMOUNT RATE PREMIUM AMOUNT RATE PREMIUM BUILDING BASIC 100,000 .83 830 0 830 BUILDING ADDITIONAL CONTENTS BASIC 100,000 1.62 1,620 -100,000 1.62 -1,620 0 CONTENTS ADDITIONAL IF CHANGING AMOUNT OF INSURANCE, ENTER NEW TOTAL AMOUNT BELOW PAYMENT OPTION: SUBTOTAL 830 BUILDING COVERAGE CONTENTS COVERAGE CREDIT CARD DEDUCT. DISCOUNT/SURCHARGE . BASIC ADDITIONAL TOTAL BASIC ADDITIONAL TOTAL OTHER: SUBTOTAL 830 . . 100,000 . . 0 ICC PREMIUM . SUBTOTAL 830 IF RETURN PREMIUM, MAIL REFUND TO: . INSURED AGENT . PAYOR. THE ABOVE CRS PREMIUM DISCOUNT ____% . STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT SUBTOTAL 830 ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. PREMIUM PREVIOUSLY PAID (Excludes Probation Surcharge/ Federal Policy Fee) 2,450 DIFFERENCE (+/-) -1,620 SIGNATURE OF INSURED AND DATE SIGNATURE OF INSURANCE AGENT/BROKER DATE (MMDDYY) PRO RATA FACTOR .345 TOTAL (+/-) -559 EXAMPLE 6 REDUCING BUILDING COVERAGE • Policy term is September 1, 2006-2007 • Single family dwelling, with basement • Regular Program, Zone B, Post-FIRM • Policy limits: Building $150,000/Contents $0 • A wing of the building was destroyed by fire on July 1, 2006, and the building was repaired without the wing, reducing the value of the dwelling to $100,000. (This explanation should be recorded in the Reason for Change section of the General Change Endorsement form.) • Present rates are: Building .73/.24. • Endorsement effective date is July 1, 2007. • In Section A, enter the basic building amount ($50,000) and the applicable rate (.73). • In Section B, enter the new additional building amount at the same rate of .24. • Add Sections A and B to obtain the New Premium Totals. • Add the New Premium Totals to obtain the Premium Subtotal. • The Premium Previously Paid is $611 (excluding Probation Surcharge/Federal Policy Fee), which is the total current annual premium including ICC premium. • Add ICC Premium. • Subtract the Premium Previously Paid from the Premium Total to obtain the Difference (should be additional/return premium). • Prorate the Difference Time period is July 1, 2007, to September 1, 2007 Number of days is 62 Pro rata factor is .170 INSURANCE COVERAGE SECTION A CURRENT COVERAGE + INCREASED — SECTION B DECREASED COVERAGE ONLY NEW PREMIUM TOTALS AMOUNT RATE PREMIUM AMOUNT RATE PREMIUM BUILDING BASIC 50,000 .73 365 0 365 BUILDING ADDITIONAL 100,000 .24 240 -50,000 .24 -120 120 CONTENTS BASIC . CONTENTS ADDITIONAL . IF CHANGING AMOUNT OF INSURANCE, ENTER NEW TOTAL AMOUNT BELOW PAYMENT OPTION: SUBTOTAL 485 BUILDING COVERAGE CONTENTS COVERAGE CREDIT CARD DEDUCT. DISCOUNT/SURCHARGE . BASIC ADDITIONAL TOTAL BASIC ADDITIONAL TOTAL OTHER: SUBTOTAL 485 50,000 50,000 100,000 ICC PREMIUM 6 SUBTOTAL 491 IF RETURN PREMIUM, MAIL REFUND TO: . INSURED . AGENT PAYOR. THE ABOVE CRS PREMIUM DISCOUNT ____% . STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT SUBTOTAL 491 ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. PREMIUM PREVIOUSLY PAID (Excludes Probation Surcharge/ Federal Policy Fee) 611 DIFFERENCE (+/-) -120 SIGNATURE OF INSURED AND DATE SIGNATURE OF INSURANCE AGENT/BROKER DATE (MMDDYY) PRO RATA FACTOR .170 TOTAL (+/-) -20 EXAMPLE 7 INCREASING DEDUCTIBLE • Policy term is January 15, 2007-2008 • Single family dwelling • Emergency Program (Pre-FIRM) • Current policy limits: Building $35,000/Contents $10,000 • Policy deductible: $1,000/$1,000 • Insured requests to increase deductible to $4,000/$2,000 (.825), effective June 15, 2006. (This explanation should be recorded in the Reason for Change section of the General Change Endorsement form.) • Present rates are: Building: .76, Contents .96. • Enter the current building and contents coverage in Section A, and enter the applicable rates. • Add Sections A and B to obtain the New Premium Totals. • Add the New Premium Totals to obtain the Premium Subtotal. • The Premium Previously Paid is $362 (excluding ICC*, and Probation Surcharge/Federal Policy Fee), which is the total current annual premium from Section A. • Calculate the Deductible Discount amount and enter that amount in the block marked Difference. • Prorate the Difference Time period is June 15, 2007, to January 15, 2008 Number of days is 214 Pro rata factor is .586 *ICC-N/A in Emergency Program INSURANCE COVERAGE SECTION A CURRENT COVERAGE + INCREASED SECTION B — DECREASED COVERAGE ONLY NEW PREMIUM TOTALS AMOUNT RATE PREMIUM AMOUNT RATE PREMIUM BUILDING BASIC 35,000 .76 266 0 266 BUILDING ADDITIONAL . CONTENTS BASIC 10,000 .96 96 0 96 CONTENTS ADDITIONAL . IF CHANGING AMOUNT OF INSURANCE, ENTER NEW TOTAL AMOUNT BELOW PAYMENT OPTION: SUBTOTAL 362 BUILDING COVERAGE CONTENTS COVERAGE CREDIT CARD DEDUCT. DISCOUNT/SURCHARGE -63 BASIC ADDITIONAL TOTAL BASIC ADDITIONAL TOTAL OTHER: SUBTOTAL 299 ICC PREMIUM N/A SUBTOTAL 299 IF RETURN PREMIUM, MAIL REFUND TO: . INSURED AGENT . PAYOR. THE ABOVE CRS PREMIUM DISCOUNT ____% . STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT SUBTOTAL 299 ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. PREMIUM PREVIOUSLY PAID (Excludes Probation Surcharge/ Federal Policy Fee) 362 DIFFERENCE (+/-) -63 SIGNATURE OF INSURED AND DATE SIGNATURE OF INSURANCE AGENT/BROKER DATE (MMDDYY) PRO RATA FACTOR .586 TOTAL (+/-) -37 CLAIMS I. INSURED'S RESPONSIBILITIES A. Filing a Claim In the event of loss, the insured is required to: • Give written notice of loss to the National Flood Insurance Program (NFIP) or the applicable WYO Company, as soon as practicable, using the NFIP Notice of Loss form or similar form; • Exhibit all remains of the property, as required; • If requested, submit to an examination under oath, as required; • Provide evidence and documentation to substantiate the loss, as required; and • File a Proof of Loss within 60 days of the loss, unless this requirement is waived by the Federal Emergency Management Agency (FEMA). The NFIP has a standard Proof of Loss form which the adjuster assigned to the loss may provide and assist the insured in completing. However, independent adjusters do not have the authority either to approve or to deny claims. Adjusters' recommendations for payment or denial are not binding on the NFIP or the WYO Company and are subject to approval and correction by the NFIP or the WYO Company staff. The Proof of Loss form may be waived on claims for less than $7,500. In this case, the insured will be required to sign the NFIP Final Report form, which summarizes the loss and claim figures. B. Appealing a Claim Any insured who is dissatisfied with a claim settlement offered by the NFIP or the WYO Company should follow the procedures below, excerpted from the NFIP Flood Insurance Claims Handbook. Addressing Questions About Your Insurance Claim The NFIP provides you with a process to appeal decisions regarding your flood insurance claim. This process will help you resolve claim issues, but it cannot give you added coverage or claim limits beyond those in your NFIP policy. In filing and completing your insurance claim, you may have questions, or need further explanations of decisions that have been made, especially with regard to coverage, dollar amount of damages, or your Proof of Loss. FOUR STEPS TO APPEALING YOUR CLAIM Step 1 Talk with your adjuster, who has more knowledge about your claim than anyone. If you don’t understand certain decisions regarding, for example, application of coverage, timing of the filing of Proof of Loss, or the damage estimate, contact your adjuster first. Step 2 If you are not satisfied with the adjuster’s answers, or do not agree with decisions, get contact information for the adjuster’s supervisor. Step 3 If the adjuster’s supervisor can’t resolve your issues, contact the insurance company’s claim representative. Ask your insurance agent or your insurance company representative for assistance. Please refer to your flood policy for more information on appeals. See Paragraph R of the General Conditions Section. Step 4 If you still have questions or concerns after following steps one through three, contact the Federal Emergency Management Agency (FEMA). Write to: Federal Emergency Management Agency Federal Insurance Administrator Mitigation Division–Risk Insurance Branch 500 C Street, S.W. Washington, DC 20472 This letter should be written by the Named Insured (as it appears on your NFIP policy) or by a legal representative, if necessary. The representative should clearly identify his/her relationship to the Named Insured. (For example, a son or daughter could be handling a claim for an elderly parent.) A legal representative may be asked to provide authorization from the Named Insured or other legal documents verifying the relationship. Your letter of appeal must be submitted to FEMA within 60 days from the date of the denial letter that you receive from your flood insurer. WHAT TO INCLUDE IN YOUR LETTER The following six items should be in your letter to FEMA in order to address your questions. (If for some reason, your policy is not available, your insurance agent can provide details for the first three items.) 1. The Policy Number, as shown on your NFIP policy’s Declarations Page. 2. The policyholder’s name, as shown as the Named Insured on the Declarations Page. 3. The property address, as shown on the Declarations Page. (Not your mailing address, if it is different from the property address.) 4. How you can be contacted, if you are out of your home. 5. The details of your concern. (Please be as complete as possible.) 6. The dates of contact and contact details for the persons with whom you have spoken in steps one through three on the previous page. WHAT TO INCLUDE WITH YOUR LETTER Enclose documentation of everything that supports your appeal. • Provide a copy of the insurer’s written denial, in whole or in part, of the claim; • Identify relevant policy and claim information and state the basis for the appeal; and • Submit relevant documentation to support the appeal, but only documentation that directly pertains to your claim. The following are examples of the kinds of documentation that FEMA will require: • A copy of the Proof of Loss submitted to the insurer, as required in the policy • Room-by-room itemized estimates from the adjuster (include contractors’ estimates), detailing unit costs and quantities for the items needing repair or replacement • Replacement cost Proofs of Loss • Adjuster’s Preliminary Report • Adjuster’s Final Report • Detailed damaged personal property inventories that include the approximate ages of the items • Completed Mobile Home Worksheet • Mobile home title, including salvage title • Real estate appraisals that exclude land values • Advance payment information • Clear photographs (exterior and interior) confirming damage that resulted from direct physical loss by or from flood • Proof that prior flood damage has been repaired • Evidence of insurance and policy information, i.e., Declarations Page • Elevation Certificate, if the building is elevated • The community’s determination concerning substantial damage • Information regarding substantial improvement • Zone determinations • Pre-loss and post-loss inventories • Financial statements • Tax records, lease agreements, sales contracts, settlement papers, deed, etc. • Emergency (911) address change information • Salvage information (proceeds and sales) • Condominium association by-laws • Proof of other insurance, including homeowners or wind policies, and any claim information submitted to the other companies • Waiver, Letter of Map Revision (LOMR), or Letter of Map Amendment (LOMA) information • Paid receipts and invoices including cancelled checks that support an insured’s out-of-pocket expenses pertaining to the claim • Underwriting decisions • Architectural plans and drawings • Death certificates • Last Will and Testament • Divorce decree • Power of attorney • Current lienholder information • Current loss payee information • Paid receipts and invoices documenting damaged stock • Detailed engineering reports specifically addressing flood-related damage and preexisting damage • Engineering surveys • Market values • Documentation of Flood Insurance Rate Map (FIRM) dates • Documentation reflecting date(s) of construction and substantial improvement • Loan documents including closings • Evidence of insurability as a Residential Condominium Association • Franchise agreements • Letters of representation, i.e., attorneys and public adjusters • Any assignment of interest in a claim • And, any other pertinent information that FEMA may request in processing a claim. A re-inspection of your property may be conducted at the discretion of FEMA to gather more information. A request by FEMA for additional information will include the date by which the information must be provided, which shall in no case be less than 14 calendar days. Failure to provide the requested information in full within 14 calendar days may result in dismissal of your appeal. FEMA will ensure that all information necessary to rule on the appeal has been provided prior to making an appeal decision. LIMITATIONS ON APPEALS The appeals process is intended to resolve claim issues and is not intended to grant coverage or limits that are not provided by the Standard Flood Insurance Policy (SFIP). Filing an appeal does not waive any of the requirements for perfecting a claim under the SFIP or extend any of the time limitations set forth in the SFIP. 1. Disputes that are or have been subject to appraisal as provided for in the SFIP cannot be appealed. 2. If you file an appeal on any issue, that issue is no longer subject to resolution by appraisal or other pre-litigation remedies. 3. If you file suit against an insurer on the flood insurance claim issue, you are prohibited from filing an appeal. All appeals submitted for decision but not resolved shall be terminated upon notice of the commencement of litigation regarding the claim. APPEALS RESOLUTION FEMA will review the appeal documents, including any reinspection report, if appropriate. FEMA will provide specific information on what grounds the claim was initially denied. FEMA will provide an appeal decision in writing to the policyholder and insurer within 90 days from the date that all information has been submitted by the policyholder and will include specific information for the resolution of the appeal. No further administrative review will be provided to the insured. If you do not agree with the final decision, please refer to your flood insurance policy. See the “GENERAL CONDITIONS” Section, Paragraph R. “Suit Against Us.” The 1-year period to file suit commences with the written denial from the insurer and is not extended by the appeals process. II. PRODUCER'S RESPONSIBILITIES Producers may assign any NFIP Direct claim to an NFIP-approved independent adjuster except: • When, in major flooding disasters, the Flood Insurance Claims Office (FICO) makes all assignments. • When an Adjuster Control Office is established. • When a Claims Coordinating Office (CCO) is established. Failure to indicate the assigned adjuster on the loss notice, or assignment of an adjuster who is not authorized by the NFIP, will delay the adjustment process and may result in duplicate adjuster assignments. When it appears that a situation is serious enough that a FICO may be necessary, the NFIP will notify producers and producer trade associations in the affected area (using the broadcast media and press releases) as soon as possible to hold their loss notices unassigned until further instructions are received. In the case of a WYO Company claim, the WYO Company's producer will follow the established procedures when assigning an adjuster. III. SINGLE ADJUSTER PROGRAM IMPLEMENTATION A. Schedule and Notification FEMA and various Coastal Plans will determine whether a catastrophe event will necessitate a Single Adjuster Program (SAP) response. The National Weather Service declaration of a tropical storm or hurricane event will begin the watch for possible single adjuster response. When the storm is 48 hours from landfall, this will initiate FEMA’s approval of the SAP response. During that time, the NFIP Bureau and Statistical Agent’s General Adjusters will be deployed to strategic areas close to where the storm is predicted to strike. At landfall, they will be able to immediately assess the damage impact from the storm. No later than 24 hours after landfall, the WYO Companies will be advised by telephone, fax, or e-mail through their designated Single Adjuster Liaison, as to the areas and state(s) that will be activated. At that point, the WYO Companies will be asked to immediately notify their agents of the SAP procedures in reporting the claims. The NFIP Bureau and Statistical Agent will notify the WYO Companies by telephone, fax, or e-mail to have their agency staff submit all flood losses that are reasonably believed to involve wind and flood damage to the State Coastal Plans (i.e., Windpool, Fairplan, Beachplan). The NFIP will notify all SAP Liaisons of the Claims Coordinating Office’s (CCO) location, telephone number, fax number, and address, if the CCO does not co-locate with the State Coastal Plans. When the CCO is operational, the WYO companies will be notified of all assigned claims. Notice of losses reflecting the assigned adjusting firms will be faxed each day. Once the assignment is made and communicated to each company, the WYO Company will manage its own loss adjustment. However, the Catastrophe CCO will ensure that the adjuster receives a copy of the loss assignments, the name of the WYO Company, and the SAP Liaison telephone number. B. Training The NFIP Bureau and Statistical Agent Claims Coordinator and FEMA will annually conduct coordination training sessions, both pre- and post-event, in conjunction with the State Coastal Plans, adjusters, state and local officials, and insurers to train all participants. These training sessions will include regional issues, the State Coastal Plans' procedures, confirmation of coverages for SAP losses, closed without payment (CWOP) procedures, adjuster resources, and duplicate assignments, etc. The NFIP Bureau and Statistical Agent will continue to provide training for specific problems and situations that may arise during a catastrophe event. FEMA suggests that within the first 48 hours, or whenever applicable, an adjuster briefing should be conducted for all SAP adjusters and adjusting firms to ensure that they understand program procedures. Guidelines contained in the NFIP Adjuster Claims Manual provide details to address particular claims issues. The manual can be accessed at http://www.fema.gov/business/nfip/claimsadj.shtm under “Information for Claims Adjusters.” C. Producer Responsibilities 1. When directed by FEMA, the producer will have no authority to assign any losses involving a flood policy when there is a reasonable belief that there is flood and wind damage, and will report the losses on the combined Wind/Flood loss notice to the Stationary CCO, with wind coverage information. 2. NFIP/WYO insurers insuring both the flood and the wind loss should not report the combined loss to the CCO, but will assign their own single adjuster. 3. The producers will report their flood losses via fax to the established CCO, along with wind coverage information in every instance except those mentioned above. In all cases the producer should send a copy of the loss notice to the insurer. 4. All separate wind losses insured by a WYO company where a flood policy exists will be reported to the CCO for assignment to qualified adjusting firms at the CCO. 5. Upon loss assignment, the insurer will be advised of the assigned adjusting firm by modem transfer, fax, or mail. 6. These procedures relate to assignment of claims only. Insurers may perform other procedures in accordance with their standard business practices. IV. INCREASED COST OF COMPLIANCE (ICC) CLAIMS The producer should become familiar with the ICC aspects of the flood program. He/she can do this by attending an NFIP ICC workshop or reading the NFIP literature distributed by FEMA. Information concerning ICC claims may be obtained from your WYO company or NFIP Direct. 2. Replacement Cost Loss Settlement The following loss settlement conditions apply to a single-family dwelling described in V.1.a. above: a. We will pay to repair or replace the damaged dwelling after application of the deductible and without deduction for depreciation, but not more than the least of the following amounts: (1) The building limit of liability shown on your Declarations Page; (2) The replacement cost of that part of the dwelling damaged, with materials of like kind and quality, and for like use; or (3) The necessary amount actually spent to repair or replace the damaged part of the dwelling for like use. b. If the dwelling is rebuilt at a new location, the cost described above is limited to the cost that would have been incurred if the dwelling had been rebuilt at its former location. c. When the full cost of repair or replacement is more than $1,000 or more than 5 percent of the whole amount of insurance that applies to the dwelling, we will not be liable for any loss under V.2.a. above or V.4.a.(2) below unless and until actual repair or replacement is completed. d. You may disregard the replacement cost conditions above and make claim under this policy for loss to dwellings on an actual cash value basis. You may then make claim for any additional liability according to V.2.a., b., and c. above, provided you notify us of your intent to do so within 180 days after the date of loss. e. If the community in which your dwelling is located has been converted from the Emergency Program to the Regular Program during the current policy term, then we will consider the maximum amount of available NFIP insurance to be the amount that was available at the beginning of the current policy term. 3. Special Loss Settlement a. The following loss settlement conditions apply to a single-family dwelling that: (1) Is a manufactured or mobile home or a travel trailer, as defined in II.B.6.b. and II.B.6.c.; (2) Is at least 16 feet wide when fully assembled and has an area of at least 600 square feet within its perimeter walls when fully assembled; and (3) Is your principal residence, as specified in V.1.a.(1) above. b. If such a dwelling is totally destroyed or damaged to such an extent that, in our judgment, it is not economically feasible to repair, at least to its predamage condition, we will, at our discretion, pay the least of the following amounts: (1) The lesser of the replacement cost of the dwelling or 1.5 times the actual cash value, or (2) The building limit of liability shown on your Declarations Page. c. If such a dwelling is partially damaged and, in our judgment, it is economically feasible to repair it to its predamage condition, we will settle the loss according to the Replacement Cost conditions in paragraph V.2. above. 4. Actual Cash Value Loss Settlement The types of property noted below are subject to actual cash value [or in the case of V.4.a.(2) below, proportional] loss settlement. a. A dwelling, at the time of loss, when the amount of insurance on the dwelling is both less than 80 percent of its full replacement cost immediately before the loss and less than the maximum amount of insurance available under the NFIP. In that case, we will pay the greater of the following amounts, but not more than the amount of insurance that applies to that dwelling: (1) The actual cash value, as defined in II.B.2., of the damaged part of the dwelling; or (2) A proportion of the cost to repair or replace the damaged part of the dwelling, without deduction for physical depreciation and after application of the deductible. This proportion is determined as follows: If 80 percent of the full replacement cost of the dwelling is less than the maximum amount of insurance available under the NFIP, then the proportion is determined by dividing the actual amount of insurance on the dwelling by the amount of insurance that represents 80 percent of its full replacement cost. But if 80 percent of the full replacement cost of the dwelling is greater than the maximum amount of insurance available under the NFIP, then the proportion is determined by dividing the actual amount of insurance on the dwelling by the maximum amount of insurance available under the NFIP. b. A two-, three-, or four-family dwelling. c. A unit that is not used exclusively for single-family dwelling purposes. d. Detached garages. e. Personal property. f. Appliances, carpets, and carpet pads. g. Outdoor awnings, outdoor antennas or aerials of any type, and other outdoor equipment. h. Any property covered under this policy that is abandoned after a loss and remains as debris anywhere on the described location. i. A dwelling that is not your principal residence. 5. Amount of Insurance Required To determine the amount of insurance required for a dwelling immediately before the loss, do not include the value of: a. Footings, foundations, piers, or any other structures or devices that are below the undersurface of the lowest basement floor and support all or part of the dwelling; b. Those supports listed in V.5.a. above that are below the surface of the ground inside the foundation walls if there is no basement; and c. Excavations and underground flues, pipes, wiring, and drains. The Coverage D - Increased Cost of Compliance limit of liability is not included in the determination of the amount of insurance required. VIII. LIBERALIZATION CLAUSE If we make a change that broadens your coverage under change, provided that this implementation date falls within this edition of our policy, but does not require any 60 days before, or during, the policy term stated on the additional premium, then that change will automatically Declarations Page. apply to your insurance as of the date we implement the IX. WHAT LAW GOVERNS This policy and all disputes arising from the handling of National Flood Insurance Act of 1968, as amended (42 any claim under the policy are governed exclusively by U.S.C. 4001, et seq.), and Federal common law. the flood insurance regulations issued by FEMA, the IN WITNESS WHEREOF, we have signed this policy below and hereby enter into this Insurance Agreement. David I. Maurstad Federal Insurance Administrator National Flood Insurance Program Mitigation Division Page 18 of 19 VIII. LIBERALIZATION CLAUSE If we make a change that broadens your coverage under change, provided that this implementation date falls within this edition of our policy, but does not require any 60 days before, or during, the policy term stated on the additional premium, then that change will automatically Declarations Page. apply to your insurance as of the date we implement the IX. WHAT LAW GOVERNS This policy and all disputes arising from the handling of National Flood Insurance Act of 1968, as amended (42 any claim under the policy are governed exclusively by U.S.C. 4001, et seq.), and Federal common law. the flood insurance regulations issued by FEMA, the IN WITNESS WHEREOF, we have signed this policy below and hereby enter into this Insurance Agreement. David I. Maurstad Federal Insurance Administrator National Flood Insurance Program Mitigation Division CLAIM GUIDELINES IN CASE OF A FLOOD For the protection of you and your family, the following claim guidelines are provided by the National Flood Insurance Program (NFIP). If you are ever in doubt as to what action is needed, consult your insurance representative or call the NFIP toll-free at 1-800-638-6620 or on the TDD line at 1-800-447-9487. Know your insurance representative's name and telephone number. List them here for fast reference: Insurance Representative _________________________________ Representative's Phone Number ______________________________ • Notify us or your insurance representative, in writing, as soon as possible after the flood. • If you report to your insurance representative, remind him or her to assign the claim to an NFIP-approved claims adjuster. The NFIP pays for the services of the independent claims adjuster assigned to your claim. • Determine the independent claims adjuster assigned to your claim and contact him or her if you have not been contacted within 24 hours after you reported the claim to your insurance representative. • As soon as possible, separate damaged property from undamaged property so that damage can be inspected and evaluated. • Discuss with the claims adjuster any need you may have for an advance or partial payment for your loss. • To help the claims adjuster, try to take photographs of the outside of the premises showing the flooding and the damage and photographs of the inside of the premises showing the height of the water and the damaged property. • Place all account books, financial records, receipts, and other loss verification material in a safe place for examination and evaluation by the claims adjuster. • Work cooperatively and promptly with the claims adjuster to determine and document all claim items. Be prepared to advise the claims adjuster of the cause and responsible party(ies), if the flooding resulted from other than natural cause. • Make sure that the claims adjuster fully explains, and that you fully understand, all allowances and procedures for processing claim payments on the basis of your proof of loss. This policy requires you to send us detailed proof of loss within 60 days after the loss. • Any and all coverage problems and claim allowance restrictions must be communicated directly from the NFIP. Claims adjusters are not authorized to approve or deny claims; their job is to report to the NFIP on the elements of flood cause and damage. At our option, we may accept an adjuster's report of the loss instead of your proof of loss. The adjuster's report will include information about your loss and the damages to your insured property. You must sign the adjuster's report. At our option, we may require you to swear to the report. F-123 (10/04) circumstances will be adjusted according to the terms and conditions of the earlier policy. The policy with the later effective date will be canceled. V. Loss Settlement 1. Introduction This policy provides three methods of settling losses: Replacement Cost, Special Loss Settlement, and Actual Cash Value. Each method is used for a different type of property, as explained in a.-c. below. a. Replacement Cost loss settlement, described in V.2. below, applies to buildings other than manufactured homes or travel trailers. b. Special loss settlement, described in V.3. below, applies to a residential condominium building that is a travel trailer or a manufactured home. c. Actual Cash Value loss settlement applies to all other property covered under this policy, as outlined in V.4. below. 2. Replacement Cost Loss Settlement a. We will pay to repair or replace a damaged or destroyed building, after application of the deductible and without deduction for depreciation, but not more than the least of the following amounts: (1) The amount of insurance in this policy that applies to the building; (2) The replacement cost of that part of the building damaged, with materials of like kind and quality, and for like occupancy and use; or (3) The necessary amount actually spent to repair or replace the damaged part of the building for like occupancy and use. b. We will not be liable for any loss on a Replacement Cost Coverage basis unless and until actual repair or replacement of the damaged building or parts thereof is completed. c. If a building is rebuilt at a location other than the described location, we will pay no more than it would have cost to repair or rebuild at the described location, subject to all other terms of Replacement Cost loss settlement. 3. Special Loss Settlement a. The following loss settlement conditions apply to a residential condominium building that is: (1) A manufactured home or a travel trailer, as defined in II.B.6.b. and c.; and (2) At least 16 feet wide when fully assembled and has an area of at least 600 square feet within its perimeter walls when fully assembled. b. If such a building is totally destroyed or damaged to such an extent that, in our judgment, it is not economically feasible to repair, at least to its predamage condition, we will, at our discretion, pay the least of the following amounts: (1) The lesser of the replacement cost of the manufactured home or travel trailer or 1.5 times the actual cash value; or (2) The building limit of liability shown on your Declarations Page. c. If such a manufactured home or travel trailer is partially damaged and, in our judgment, it is economically feasible to repair it to its predamage condition, we will settle the loss according to the Replacement Cost loss settlement conditions in V.2. above. 4. Actual Cash Value Loss Settlement a. The types of property noted below are subject to Actual Cash Value loss settlement. (1) Personal property; (2) Insured property abandoned after a loss and that remains as debris at the described location; (3) Outside antennas and aerials, awnings, and other outdoor equipment; (4) Carpeting and pads; (5) Appliances; and (6) A manufactured or mobile home or a travel trailer as defined in II.B.6.b. or c. that does not meet the condition for Special Loss Settlement in V.3. above. b. We will pay the least of the following amounts: (1) The applicable amount of insurance under this policy; (2) The actual cash value (as defined in II.B.2.); or (3) The amount it would cost to repair or replace the property with material of like kind and quality within a reasonable time after the loss. IX. LIBERALIZATION CLAUSE If we make a change that broadens your coverage under change, provided that this implementation date falls within this edition of our policy, but does not require any 60 days before, or during, the policy term stated on the additional premium, then that change will automatically Declarations Page. apply to your insurance as of the date we implement the X. WHAT LAW GOVERNS This policy and all disputes arising from the handling of National Flood Insurance Act of 1968, as amended (42 any claim under the policy are governed exclusively by U.S.C. 4001, et seq.), and Federal common law. the flood insurance regulations issued by FEMA, the IN WITNESS WHEREOF, we have signed this policy below and hereby enter into this Insurance Agreement. David I. Maurstad Federal Insurance Administrator National Flood Insurance Program Mitigation Division MSC Products, Services, and Fees http://msc.fema.gov MSC Products, Services, and Fees COASTAL BARRIER RESOURCES SYSTEM The Coastal Barrier Resources Act (Pub. L. 97348) and the Coastal Barrier Improvement Act of 1990 (Pub. L. 101-591) are federal laws that were enacted on October 18, 1982, and November 16, 1990, respectively. The legislation was implemented as part of a Department of the Interior (DOI) initiative to minimize loss of human life by discouraging development in high-risk areas, reduce wasteful expenditures of federal resources, and preserve the ecological integrity of areas Congress designates as a Coastal Barrier Resources System (CBRS) and Otherwise Protected Areas (OPAs). The laws provide this protection by prohibiting all federal expenditures or financial assistance, including flood insurance, for residential or commercial development in areas so identified. The 1990 Act amends the 1982 Act by adding and deleting CBRS areas and by adding OPAs. As a result, revisions are made to the Flood Insurance Rate Maps (FIRMs) for the affected communities. Both of the laws provided 1-year grace periods for the NFIP to comply with the statutory requirements; October 1, 1983, for the 1982 Act and November 16, 1991, for the 1990 Act. The 1-year grace period for the 1990 Act applies only to the OPAs. New CBRS areas established by the 1990 Act have no grace period. To determine if a building is eligible for flood insurance coverage, the producer should consult the list of communities where coastal barriers and/or OPAs have been identified. The list is included in this section. The community's map should always be reviewed to determine if the property to be insured is located in a designated CBRS area or an OPA. A listing of map panels that have CBRS areas is available for review on the FEMA website at www.fema.gov/business/nfip/cbrs/cbrs.shtm. The website page is for information and notification purposes only. The website does not determine flood insurance eligibility or status in relation to a CBRS or an OPA; it merely indicates whether a particular Flood Insurance Rate Map (FIRM) panel contains a portion of the CBRS or an OPA. Further study of the FIRM and property location and/or the building’s date of construction in relation to the CBRS designation date is necessary to determine whether a specific property is eligible for flood insurance. Buildings may be eligible for flood insurance even if they are located within such areas. Eligibility depends upon which Act identified that community as having such areas. Eligibility under the 1982 Act for a building in a CBRS area requires that: • A legally valid building permit for the construction of the building was issued prior to October 1, 1983; and • The building was built (walled and roofed) prior to October 1, 1983; and • The building was not substantially improved or substantially damaged on or after October 1, 1983. Eligibility under the 1990 Act for a building in a CBRS area or OPA requires that: • For CBRS areas: - A legally valid building permit for the construction of the building was issued prior to November 16, 1990; and - The actual start of construction of the building was prior to November 16, 1990; and - The building was not substantially improved or substantially damaged on or after November 16, 1990. • For OPAs: - A legally valid building permit for the construction of the building was issued prior to November 16, 1991; and - A building in an OPA was built (walled and roofed) no later than November 16, 1991; and - The building was not substantially improved or substantially damaged after November 16, 1991. OR - The building is used in a manner consistent with the purpose for which the area is protected, regardless of the date of construction. Eligibility under other CBRS amendments is based on the preceding rules applied to the date the insurance prohibition became effective. When an application for flood insurance is submitted for buildings located in CBRS and/or OPA communities, the following types of documentation must be submitted as evidence of eligibility by the producer writing through the NFIP Direct: • For buildings built on or after the date the insurance prohibition became effective, a legible copy of the current map panel indicating that the building is not in a CBRS area or OPA. • For buildings in CBRS areas and OPAs - A legally valid building permit, or if the building permit was lost or destroyed, a written statement to this effect signed by the community official responsible for the building permits will be accepted in lieu of the building permit; and - A statement by a responsible community official that: 1. The walls and roof of the building were in place (1982 Act) or the start of construction took place (1990 Act), before the date the insurance prohibition became effective, and 2. The building was not substantially improved or substantially damaged on or after the date the insurance prohibition became effective. - Other forms of acceptable documentation include: 1. First mortgage financing records 2. Property tax records 3. Electrical permit records 4. On-site septic or sewer system records 5. State Coastal Zone Management Agency records 6. State Wetlands Program permit records • For structures in OPAs only - Certification from the governmental body overseeing the area indicating that a building in an OPA is used in a manner consistent with the purpose for which the area is protected may be submitted in lieu of the above documentation. If a producer writing through the NFIP Direct is uncertain whether a building is located in a CBRS area or an OPA, the following procedure should be used: • Do not collect the premium. • Mark the Application “Possible CBRS.” • Attach a legible copy of the map panel showing the community number, map suffix, and FIRM date. Mark the risk’s location on the FIRM. • Attach a copy of a plat survey or tax map. • Provide a copy of a county or municipal street map that shows the area surrounding the property location and has the risk’s location clearly marked. Also provide, if available, an aerial photograph that shows the property in question, a metes and bounds description of the location, and/or the latitude and longitude of the property. • Provide a statement explaining the mechanism used to identify whether the property is located inside or outside the CBRS/OPA (e.g., contacted community’s Tax Office). • Mail all documentation listed above and a readable photocopy of the Application to the NFIP Servicing Agent, P.O. Box 29138, Shawnee Mission, KS 66201-9138. An agent writing through a Write Your Own Company should contact that company for guidance. COASTAL BARRIER RESOURCES SYSTEM LIST OF COMMUNITIES COMMUNITY NAME STATE COMMUNITY NUMBER COASTAL BARRIER AREA(S) OTHERWISE PROTECTED AREA(S) Worcester County (Uninc. Areas) MD 240083 N Y Andrews Island ME 230967 Y N Cape Elizabeth (Town) ME 230043 Y Y Cranberry Isles (Town) ME 230278 Y N Cumberland (Town) ME 230162 Y N Cutler (Town) ME 230310 Y Y Georgetown (Town) ME 230209 N Y Harpswell (Town) ME 230169 Y N Harrington (Town) ME 230314 Y N Islesboro (Town) ME 230256 Y N Jonesport (Town) ME 230138 Y N Kennebunk (Town) ME 230151 Y N Kittery (Town) ME 230171 Y N Lubec (Town) ME 230139 Y N Machiasport (Town) ME 230141 Y N Milbridge (Town) ME 230142 N Y Ogunquit (Town) ME 230632 N Y Perry (Town) ME 230319 Y N Phippsburg (Town) ME 230120 Y Y Portland (City) ME 230051 Y N Roque Bluffs (Town) ME 230322 Y Y Scarborough (Town) ME 230052 Y N Steuben (Town) ME 230323 Y Y Wells (Town) ME 230158 Y Y York (Town) ME 230159 Y N Alpena (City) MI 260010 Y N Alpena (Township) MI 260011 Y N Arcadia (Township) MI 260306 Y N Bay De Noc (Township) MI 260685 Y N Blaine (Township) MI 260027 Y N Brownstown (Charter Township) MI 260218 Y N Cedarville (Township) MI 260659 Y N Clark (Township) MI 260759 Y N Detour (Township) MI 260775 Y N Drummond Island (Township) MI 260803 Y N Ensign (Township) MI 260752 Y N Frenchtown (Charter Township) MI 260146 Y N Garfield (Township) MI 260766 Y N Hendricks (Township) MI 260806 Y N Houghton (Township) MI 260799 Y N Hudson (Township) MI 260807 Y N Huron (Township) MI 260415 Y N LaSalle (Township) MI 260148 Y N Luna Pier (City) MI 260150 Y N COASTAL BARRIER RESOURCES SYSTEM LIST OF COMMUNITIES COMMUNITY NAME STATE COMMUNITY NUMBER COASTAL BARRIER AREA(S) OTHERWISE PROTECTED AREA(S) Moran (Township) MI 260443 Y N Onota (Township) MI 260345 Y N Port Austin (Township) MI 260290 Y N Powell (Township) MI 260452 Y N St. Ignace (Township) MI 260444 Y N White River (Township) MI 260299 Y N Whitefish (Township) MI 260321 Y N Whitney (Township) MI 260018 Y N Duluth (City) MN 270421 Y N Gautier (City) MS 280332 Y N Hancock County (Uninc. Areas) MS 285254 Y N Harrison County (Uninc. Areas) MS 285255 Y Y Jackson County (Uninc. Areas) MS 285256 Y Y Ocean Springs (City) MS 285259 Y N Bald Head Island (Village) NC 370442 N Y Brunswick County (Uninc. Areas) NC 370295 Y Y Carolina Beach (Town) NC 375347 Y N Carteret County (Uninc. Areas) NC 370043 N Y Currituck County (Uninc. Areas) NC 370078 Y Y Dare County (Uninc. Areas) NC 375348 Y Y Hyde County (Uninc. Areas) NC 370133 N Y Kill Devil Hills (Town) NC 375353 Y N Kure Beach (Town) NC 370170 N Y Nags Head (Town) NC 375356 Y Y New Hanover County (Uninc. Areas) NC 370168 Y Y North Topsail Beach (Town) NC 370466 Y N Onslow County (Uninc. Areas) NC 370340 Y Y Pender County (Uninc. Areas) NC 370344 Y N Pine Knoll Shores (Town) NC 370267 N Y Sunset Beach (Town) NC 375359 Y N Swansboro (Town) NC 370179 N Y Wilmington (City) NC 370171 Y Y Wrightsville Beach (Town) NC 375361 Y N Aberdeen (Township) NJ 340312 N Y Bass River (Township) NJ 340085 N Y Berkeley (Township) NJ 340369 N Y Brick (Township) NJ 345285 Y Y Brigantine (City) NJ 345286 N Y Cape May City (City) NJ 345288 N Y Dennis (Township) NJ 340552 Y Y Galloway (Township) NJ 340008 N Y Highlands (Borough) NJ 345297 N Y Keyport (Borough) NJ 340304 Y N Lacey (Township) NJ 340376 N Y COASTAL BARRIER RESOURCES SYSTEM LIST OF COMMUNITIES COMMUNITY NAME STATE COMMUNITY NUMBER COASTAL BARRIER AREA(S) OTHERWISE PROTECTED AREA(S) Little Egg Harbor (Township) NJ 340380 N Y Long Beach (Township) NJ 345301 N Y Lower (Township) NJ 340153 N Y Maurice River (Township) NJ 340172 Y Y Middle (Township) NJ 340154 Y Y Middletown (Township) NJ 340313 Y N Monmouth Beach (Borough) NJ 340315 Y N North Wildwood (City) NJ 345308 Y N Ocean City (City) NJ 345310 N Y Old Bridge (Township) NJ 340265 Y N Port Republic (City) NJ 340016 N Y Rumson (Borough) NJ 345316 Y N Sea Bright (Borough) NJ 345317 Y Y Stafford (Township) NJ 340393 Y Y Stone Harbor (Borough) NJ 345323 Y N Union Beach (Borough) NJ 340331 Y N Upper (Township) NJ 340159 N Y West Cape May (Borough) NJ 340160 N Y Asharoken (Village) NY 365333 Y N Babylon (Town) NY 360790 Y Y Bayville (Village) NY 360988 N Y Belle Terre (Village) NY 361532 Y N Brookhaven (Town) NY 365334 Y Y Brownville (Town) NY 361063 Y N Cape Vincent (Town) NY 361062 Y N East Hampton (Town) NY 360794 Y Y East Hampton (Village) NY 360795 Y N Ellisburg (Town) NY 360334 Y N Evans (Town) NY 360240 Y N Freeport (Village) NY 360464 Y N Glen Cove (City) NY 360465 N Y Head of the Harbor (Village) NY 361513 Y N Hempstead (Town) NY 360467 Y Y Henderson (Town) NY 360338 Y N Hounsfield (Town) NY 360340 Y N Huntington (Town) NY 360796 Y Y Huntington Bay (Village) NY 361543 Y N Islip (Township) NY 365337 Y Y Lattingtown (Village) NY 360474 Y Y Lloyd Harbor (Village) NY 360799 Y Y Lyme (Town) NY 360343 Y N New Haven (Town) NY 360655 Y N New York (City) NY 360497 N Y Nissequogue (Village) NY 361510 Y N COASTAL BARRIER RESOURCES SYSTEM LIST OF COMMUNITIES COMMUNITY NAME STATE COMMUNITY NUMBER COASTAL BARRIER AREA(S) OTHERWISE PROTECTED AREA(S) North Haven (Village) NY 360800 Y Y Old Field (Village) NY 361545 Y N Oswego (City) NY 360656 Y N Oswego (Town) NY 360657 Y N Oyster Bay (Town) NY 360483 Y Y Parma (Town) NY 360425 Y N Poquott (Village) NY 361518 Y N Port Jefferson (Village) NY 360804 Y Y Richland (Town) NY 360660 Y N Riverhead (Town) NY 360805 Y Y Sands Point (Village) NY 360492 Y Y Sandy Creek (Town) NY 360661 Y N Scriba (Town) NY 360663 Y N Shelter Island (Town) NY 360809 Y N Smithtown (Town) NY 360810 Y N Sodus (Town) NY 360898 Y N Southampton (Town) NY 365342 Y Y Southampton (Village) NY 365343 Y N Southold (Town) NY 360813 Y Y Sterling (Town) NY 360126 Y N Wolcott (Town) NY 360901 Y N Erie County (Uninc. Areas) OH 390153 Y N Grand River (Village) OH 390315 Y N Kelleys Island (Village) OH 390738 Y N Lake County (Uninc. Areas) OH 390771 Y N Mentor (City) OH 390317 Y N Ottawa County (Uninc. Areas) OH 390432 Y N Puerto Rico (Commonwealth) PR 720000 N Y Barrington (Town) RI 445392 Y N Bristol (Town) RI 445393 Y N Charlestown (Town) RI 445395 Y Y Jamestown (City) RI 445399 Y Y Little Compton (Town) RI 440035 Y Y Middletown (Town) RI 445401 N Y Narragansett (Town) RI 445402 Y Y New Shoreham (Town) RI 440036 Y Y Newport (City) RI 445403 Y Y North Kingstown (Town) RI 445404 Y N Portsmouth (Town) RI 445405 Y Y South Kingstown (Town) RI 445407 Y Y Tiverton (Town) RI 440012 Y N Warren (Town) RI 445408 Y N Warwick (City) RI 445409 Y Y Westerly (Town) RI 445410 Y Y COASTAL BARRIER RESOURCES SYSTEM LIST OF COMMUNITIES COMMUNITY NAME STATE COMMUNITY NUMBER COASTAL BARRIER AREA(S) OTHERWISE PROTECTED AREA(S) Awendaw (Town) SC 450262 N Y Beaufort County (Uninc. Areas) SC 450025 Y Y Briarcliffe Acres (Town) SC 450232 Y N Charleston (City) SC 455412 Y N Charleston County (Uninc. Areas) SC 455413 Y Y Colleton County (Uninc. Areas) SC 450056 Y Y Edisto Beach (Town) SC 455414 N Y Folly Beach (City) SC 455415 Y Y Georgetown County (Uninc. Areas) SC 450085 Y Y Horry County (Uninc. Areas) SC 450104 Y N Jasper County (Uninc. Areas) SC 450112 N Y Kiawah Island (Town) SC 450257 Y N McClellanville (Town) SC 450039 N Y Mount Pleasant (Town) SC 455417 Y N North Myrtle Beach (Town) SC 450110 Y N Pawleys Island (Town) SC 450255 Y N Seabrook Island (Town) SC 450256 Y N Aransas County (Uninc. Areas) TX 485452 Y Y Aransas Pass (City) TX 485453 N Y Brazoria County (Uninc. Areas) TX 485458 Y Y Calhoun County (Uninc. Areas) TX 480097 Y Y Cameron County (Uninc. Areas) TX 480101 Y Y Chambers County (Uninc. Areas) TX 480119 Y N Corpus Christi (City) TX 485464 Y Y Galveston (City) TX 485469 N Y Galveston County (Uninc. Areas) TX 485470 Y Y Jefferson County (Uninc. Areas) TX 480385 Y Y Kenedy County (Uninc. Areas) TX 481230 N Y Kleberg County (Uninc. Areas) TX 480423 Y Y Matagorda County (Uninc. Areas) TX 485489 Y Y Nueces County (Uninc. Areas) TX 485494 N Y Port Aransas (City) TX 485498 N Y Port Arthur (City) TX 485499 Y Y Quintana (Village) TX 481301 Y N South Padre Island (Town) TX 480115 N Y Texas City (City) TX 485514 Y Y Willacy County (Uninc. Areas) TX 480664 Y Y Accomack County (Uninc. Areas) VA 510001 Y Y Gloucester County (Uninc. Areas) VA 510071 Y N Hampton (City) VA 515527 Y Y Lancaster County (Uninc. Areas) VA 510084 Y N Mathews County (Uninc. Areas) VA 510096 Y N Middlesex County (Uninc. Areas) VA 510098 Y N Northampton County (Uninc. Areas) VA 510105 Y Y COASTAL BARRIER RESOURCES SYSTEM LIST OF COMMUNITIES COMMUNITY NAME STATE COMMUNITY NUMBER COASTAL BARRIER AREA(S) OTHERWISE PROTECTED AREA(S) Northumberland County (Uninc. Areas) VA 510107 Y N Poquoson (City) VA 510183 N Y Tangier (Town) VA 510004 Y N Virginia Beach (City) VA 515531 N Y Westmoreland County (Uninc. Areas) VA 510250 Y N Virgin Islands (Territory) VI 780000 Y Y Bayfield County (Uninc. Areas) WI 550539 Y N Brown County (Uninc. Areas) WI 550020 Y N Manitowoc County (Uninc. Areas) WI 550236 Y N Marinette County (Uninc. Areas) WI 550259 Y N COMMUNITY RATING SYSTEM I. GENERAL DESCRIPTION The Community Rating System (CRS) is a voluntary program for NFIP-participating communities. The goals of the CRS are to reduce flood losses, to facilitate accurate insurance rating, and to promote the awareness of flood insurance. The CRS has been developed to provide incentives for communities to go beyond the minimum floodplain management requirements to develop extra measures to provide protection from flooding. The incentives are in the form of premium discounts. II. ELIGIBILITY For a community to be eligible, the community must be in full compliance with the NFIP and be in the Regular phase of the program. Communities in the Emergency phase of the program are not eligible. III. CLASSIFICATIONS AND DISCOUNTS All communities start out with a Class 10 rating (which provides no discount). There are 10 CRS classes: Class 1 requires the most credit points and gives the greatest premium discount; Class 10 identifies a community that does not apply for the CRS, or does not obtain a minimum number of credit points and receives no discount. There are 18 activities recognized as measures for eliminating exposure to floods. Credit points are assigned to each activity. The activities are organized under four main categories: Public Information, Mapping and Regulation, Flood Damage Reduction, and Flood Preparedness. Once a community applies to the appropriate FEMA region for the CRS program and its implementation is verified, FEMA sets the CRS classification based upon the credit points. This classification determines the premium discount for policyholders. Premium discounts ranging from 5 percent to a maximum of 45 percent will be applied to every policy written in a community as recognition of the floodplain management activities instituted. The table below shows premium discounts for CRS Classes 1-10 within different flood zones. IV. CRS ACTIVITIES THAT CAN DIRECTLY BENEFIT INSURANCE AGENTS Certain activities that are credited under the CRS provide direct benefit to agents writing flood insurance. All CRS communities must maintain completed FEMA elevation and floodproofing certificates for all new and substantially improved construction in the Special Flood Hazard Area after the date of application for CRS classification. These certificates must be available upon request. Therefore, in writing a policy, an agent should be able to get these certificates from any CRS community. In addition, some CRS communities receive credit for having completed certificates for Post-FIRM buildings constructed prior to the CRS application date. If they do receive this credit, then these certificates should also be available to agents writing flood insurance. The community may charge a fee for copying certificates for inquirers. Many CRS communities receive credit for providing inquirers with information from the community's FIRM. This includes a property's flood risk zone and the Base Flood Elevation. The service must be publicized once a year. If a community is receiving this credit, then agents should be able to use the service. A fee may be charged for the service. CRS PREMIUM DISCOUNTS Class Discount Class Discount 1 2 3 4 5 45% 40% 35% 30% 25% 6 7 8 9 10 20% 15% 10% 5% --SFHA (Zones A, AE, A1-A30, V, V1-V30, AO, and AH): Discount varies depending on class. SFHA (Zones A99, AR, AR/A, AR/AE, AR/A1-A30, AR/AH, and AR/AO): 10% discount for Classes 1-6; 5% discount for Classes 7-9.* Non-SFHA (Zones B, C, X, D): 10% discount for Classes 1-6; 5% discount for Classes 7-9. Preferred Risk Policies and Mortgage Portfolio Protection Program policies are not eligible for CRS Premium Discounts. *For the purpose of determining CRS Premium Discounts, all AR and A99 zones are treated as non-SFHAs. CRS 1 May 1, 2005 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY CURRENT EFFECTIVE CURRENT CLASS % DISCOUNT FOR % DISCOUNT FOR STATUS3 DATE DATE SFHA1 NON-SFHA2 010146 010071 015000 010116 010418 010176 015005 015006 010123 010153 015007 015011 010189 010002 010070 020005 020012 020003 020069 020113 020094 040013 040014 040131 040080 040040 040094 040095 040012 040019 040020 040028 040044 040045 040067 040037 040048 040058 040066 040051 040073 040098 Alabama Athens, City of Atmore, City of Baldwin County Birmingham, City of Dauphin Island, Town of Decatur, City ofGulf Shores, Town of Homewood, City of Hoover, City of Huntsville, City of Mobile, City of Orange Beach, City of Pell City, City of Prattville, City of Wetumpka, City of Alaska Anchorage, Municipality of Kenai Peninsula, Borough of Ketchikan, Borough of Nome, City of Seward, City of Valdez, City of Arizona Benson, Town of Bisbee, City of Camp Verde, Town of Casa Grande, City of Chandler, City of Chino Valley, Town of Clarkdale, Town ofCochise County Coconino County Flagstaff, City of Gila County Gilbert, Town of Glendale, City of Holbrook, City of Maricopa County Mesa, City of Mohave County Navajo County Phoenix, City of Pima County Prescott, City of 10/1/91 05/1/02 10/1/95 10/1/94 04/1/01 10/1/91 10/1/93 10/1/01 10/1/91 10/1/91 10/1/92 10/1/91 10/1/92 10/1/91 10/1/91 10/1/95 04/1/00 10/1/05 10/1/05 10/1/05 10/1/92 10/1/91 10/1/91 10/1/91 10/1/91 10/1/91 10/1/91 10/1/91 10/1/91 10/1/91 10/1/91 10/1/91 10/1/91 10/1/91 10/1/95 10/1/91 10/1/91 10/1/95 10/1/92 10/1/92 10/1/91 10/1/91 10/1/98 05/1/02 05/1/06 10/1/05 04/1/01 10/1/05 10/1/93 10/1/01 10/1/91 05/1/03 10/1/93 10/1/93 10/1/92 10/1/91 10/1/91 10/1/04 04/1/00 10/1/05 10/1/05 10/1/05 10/1/92 10/1/92 10/1/92 10/1/96 10/1/01 05/1/04 10/1/93 10/1/96 10/1/91 10/1/99 10/1/99 10/1/92 10/1/92 10/1/99 10/1/00 05/1/02 04/1/98 10/1/05 10/1/92 10/1/02 05/1/07 10/1/01 10 8 8 6 8 10 9 9 9 7 10 8 9 9 9 7 8 9 9 9 9 10 10 8 8 7 8 8 9 8 8 10 8 8 8 5 10 8 9 6 5 8 0 10 10 20 10 0 5 5 5 15 0 10 5 5 5 15 10 5 5 5 5 0 0 10 10 15 10 10 5 10 10 0 10 10 10 25 0 10 5 20 25 10 0 5 5 10 5 0 5 5 5 5 0 5 5 5 5 5 5 5 5 5 5 0 0 5 5 5 5 5 5 5 5 0 5 5 5 10 0 5 5 10 10 5 R C C C C R C C C C R C C C C C C C C C C R R C C C C C C C C R C C C C R C C C C C 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded CRS 2 May 1, 2007 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 05/1/07 8 10 5 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 060025 Gilroy, City of 05/1/07 05/1/07 8 10 5 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 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 May 1, 2007 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 060341 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 California (continued) Los Altos, City of 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 10/1/91 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 10/1/96 10/1/96 10/1/05 05/1/07 10/1/05 05/1/07 10/1/96 05/1/03 05/1/02 10/1/97 10/1/06 05/1/03 05/1/07 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 8 8 7 6 9 5 8 7 8 9 8 8 8 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 10 10 15 20 5 25 10 15 10 5 10 10 10 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 5 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 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 C C C C 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 4 May 1, 2007 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 065070 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) Walnut Creek, City of 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 10/1/91 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 04/1/01 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 05/1/07 10/1/00 05/1/06 10/1/96 10/1/92 05/1/07 10/1/96 10/1/01 05/1/07 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 05/1/07 05/1/06 10/1/03 10/1/96 10/1/03 05/1/07 10/1/97 7 7 10 8 10 9 9 8 10 6 8 7 8 9 9 8 8 7 8 9 9 8 8 4 8 9 8 9 9 9 9 9 6 10 7 8 8 8 9 9 9 9 6 8 15 15 0 10 0 5 5 10 0 20 10 15 10 5 5 10 10 15 10 5 5 10 10 30 10 5 10 5 5 5 5 5 20 0 15 10 10 10 5 5 5 5 20 10 5 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 10 5 C C R C R C C C R C C C C C C C C C C C C C C C C C C C C C C C C R C C C C C C C C C C 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded CRS 5 May 1, 2007 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 DATE CURRENT EFFECTIVE DATE CURRENT CLASS % DISCOUNT FOR SFHA1 % DISCOUNT FOR NON-SFHA2 STATUS3 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 05/1/07 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 05/1/07 05/1/03 10/1/93 10/1/94 05/1/04 05/1/07 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 6 9 5 7 7 7 8 10 10 7 7 8 8 8 8 9 7 7 7 8 9 7 7 8 7 9 9 7 7 8 8 7 8 7 8 7 10 10 15 10 15 15 15 10 5 10 20 5 25 15 15 15 10 0 0 15 15 10 10 10 10 5 15 15 15 10 5 15 15 10 15 5 5 15 15 10 10 15 10 15 10 15 0 5 5 5 5 5 5 5 5 5 10 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 May 1, 2007 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 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 05/1/07 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 05/1/07 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 8 8 7 7 10 8 7 8 9 8 9 6 9 8 7 8 8 7 8 8 6 8 8 7 9 6 8 7 8 6 8 10 8 9 8 9 9 8 9 7 8 9 8 6 0 5 10 10 15 15 0 10 15 10 5 10 5 20 5 10 15 10 10 15 10 10 20 10 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 May 1, 2007 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 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 05/1/07 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 05/1/07 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 05/1/07 10/1/03 10/1/98 10/1/06 10/1/06 8 8 6 9 8 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 7 8 8 8 8 6 8 6 6 8 7 7 8 6 8 10 10 20 5 10 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 15 10 10 10 10 20 10 20 20 10 15 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 May 1, 2007 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 Florida (continued) 125137 Palm Beach Shores, Town of 10/1/94 10/1/94 9 5 5 C 120220 Palm Beach, Town of 10/1/92 10/1/02 7 15 5 C 120684 Palm Coast, City of 05/1/04 05/1/04 7 15 5 C 120223 Palm Springs, Village of 10/1/92 10/1/97 8 10 5 C 120159 Palmetto, City of 10/1/91 10/1/93 8 10 5 C 120012 Panama City, City of 10/1/93 10/1/02 7 15 5 C 120011 Parker, City of 10/1/94 10/1/04 8 10 5 C 120230 Pasco County 10/1/92 10/1/02 8 10 5 C 120053 Pembroke Pines, City of 10/1/94 10/1/98 7 15 5 C 120082 Pensacola, City of 10/1/02 10/1/06 7 15 5 C 125138 Pensacola Beach-Santa Rosa 10/1/91 05/1/03 8 10 5 C Island Authority 125139 Pinellas County 10/1/93 10/1/94 8 10 5 C 120251 Pinellas Park, City of 10/1/91 10/1/96 7 15 5 C 120054 Plantation, City of 10/1/92 10/1/02 7 15 5 C 120261 Polk County 10/1/92 10/1/03 7 15 5 C 120055 Pompano Beach, City of 10/1/93 10/1/94 8 10 5 C 120312 Ponce Inlet, Town of 05/1/04 05/1/04 7 15 5 C 120313 Port Orange, City of 10/1/92 05/1/03 7 15 5 C 120234 Port Richey, City of 10/1/92 10/1/94 8 10 5 C 120099 Port St. Joe, City of 10/1/94 10/1/94 9 5 5 C 120287 Port St. Lucie, City of 10/1/91 10/1/96 8 10 5 C 120062 Punta Gorda, City of 10/1/92 10/1/02 6 20 10 C 125140 Redington Beach, Town of 10/1/93 10/1/96 8 10 5 C 125141 Redington Shores, Town of 10/1/92 10/1/93 8 10 5 C 120027 Rockledge, City of 10/1/91 10/1/96 8 10 5 C 125143 Safety Harbor, City of 10/1/92 10/1/96 8 10 5 C 120402 Sanibel, City of 10/1/91 10/1/96 5 25 10 C 120274 Santa Rosa County 10/1/93 04/1/00 7 15 5 C 125144 Sarasota County 10/1/92 05/1/07 5 25 10 C 125150 Sarasota, City of 10/1/91 10/1/96 7 15 5 C 120028 Satellite Beach, City of 10/1/92 10/1/92 9 5 5 C 120123 Sebastian, City of 10/1/92 10/1/06 8 10 5 C 120289 Seminole County 10/1/91 10/1/00 7 15 5 C 120164 Sewall’s Point, Town of 10/1/96 10/1/97 8 10 5 C 120579 Shalimar, Town of 10/1/95 10/1/00 8 10 5 C 120314 South Daytona, City of 10/1/92 10/1/02 7 15 5 C 120658 South Miami, City of 10/1/93 10/1/95 8 10 5 C 120227 South Palm Beach, Town of 10/1/93 10/1/93 9 5 5 C 125151 South Pasadena, City of 10/1/92 10/1/98 8 10 5 C 125146 St. Augustine Beach, City of 10/1/93 10/1/96 8 10 5 C 125145 St. Augustine, City of 10/1/92 10/1/97 8 10 5 C 120191 St. Cloud, City of 10/1/93 10/1/94 8 10 5 C 125147 St. Johns County 10/1/95 05/1/07 6 20 10 C 120285 St. Lucie County 10/1/94 10/1/96 8 10 5 C 120316 St. Marks, Town of 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 10 May 1, 2007 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 05/1/07 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 10 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 0 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 0 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 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 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded CRS 11 May 1, 2007 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 170387 Riverwoods, Village of 05/1/07 05/1/07 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 05/1/07 7 15 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 180150 Anderson, City of 05/1/07 05/1/07 8 10 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 05/1/07 8 10 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 May 1, 2007 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 05/1/07 05/1/03 10/1/91 10/1/93 10/1/91 05/1/97 05/1/07 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 8 8 9 9 9 7 9 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 10 10 5 5 5 15 5 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 5 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 May 1, 2007 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 May 1, 2007 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 340204 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 New Jersey (continued) Berkeley Heights, Township of Bloomfield, Township 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 ofGreenwich, Township of Hackensack 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 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 05/1/07 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 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 05/1/07 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 10 7 7 8 8 7 9 10 9 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 0 0 15 15 10 10 15 5 0 5 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 5 5 5 5 5 5 0 5 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 R R C C C C C C R C 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 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded CRS 19 May 1, 2007 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 345317 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 New Jersey (continued) Sea Bright, Borough of 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 10/1/92 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 10/1/97 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 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 0 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 0 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 R 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 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded CRS 20 May 1, 2007 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) 360153 360154 Horseheads, Town of Horseheads, Village of 10/1/91 10/1/91 10/1/91 10/1/91 9 9 5 5 5 5 C 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 05/1/07 7 15 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 05/1/07 8 10 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 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded CRS 21 May 1, 2007 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 375349 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 North Carolina (continued) Forsyth County 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, Town of 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 of 10/1/93 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 10/1/93 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 9 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 5 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 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 R C C C C C C C R C C C 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded CRS 22 May 1, 2007 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 370251 370254 370464 370071 370270 375360 370193 375361 385364 385365 390183 390038 390110 390412 390328 390378 390071 390176 390737 390432 390472 390460 390479 390131 390419 400220 400207 400078 400236 400234 400221 400252 400062 400049 400245 400211 400053 405380 405381 North Carolina (continued) Watauga County 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 Medina 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 10/1/91 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 05/1/07 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 05/1/07 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 9 7 10 8 7 9 10 5 7 5 9 8 10 8 8 9 8 9 9 9 9 9 9 9 9 7 10 8 8 9 9 9 9 7 10 6 10 8 2 5 15 0 10 15 5 0 25 15 25 5 10 0 10 10 5 10 5 5 5 5 5 5 5 5 15 0 10 10 5 5 5 5 15 0 20 0 10 40 5 5 0 5 5 5 0 10 5 10 5 5 0 5 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 C C R C C C R 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 C C R C R C C 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded CRS 23 May 1, 2007 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 410137 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 Albany, City of 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 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 10/1/06 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 05/1/07 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 7 8 9 10 7 7 7 5 7 8 7 8 8 7 6 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 15 10 5 0 15 15 15 25 15 10 15 10 10 15 20 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 5 0 5 5 5 10 5 5 5 5 5 5 10 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 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 May 1, 2007 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 05/1/07 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 05/1/07 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 7 8 8 8 8 8 7 6 7 6 9 8 6 8 5 8 7 8 8 6 9 6 6 8 9 9 10 0 0 10 15 10 5 5 10 5 20 10 10 25 15 15 10 10 10 10 10 15 20 15 20 5 10 20 10 25 10 15 10 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 May 1, 2007 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 05/1/07 10/1/01 10/1/92 05/1/02 10/1/03 10/1/91 05/1/02 10/1/00 10/1/93 05/1/07 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 8 7 9 7 8 9 7 9 10 6 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 10 15 5 15 10 5 15 5 0 20 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 10 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 May 1, 2007 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 510054 510071 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 Falls Church, City of Gloucester 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 05/1/07 10/1/95 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 05/1/07 10/1/95 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 8 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 10 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 May 1, 2007 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 510201 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 540199 540065 540004 Virginia (continued) James City County 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 Buckhannon, City ofJefferson County Philippi, City of 10/1/92 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 05/1/07 10/1/06 05/1/03 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 05/1/07 10/1/06 05/1/03 9 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 8 9 8 5 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 10 5 10 5 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 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 C C C C C 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded CRS 28 May 1, 2007 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 550001 550612 550128 550578 550022 555562 550085 550487 550310 550107 550108 550537 560037 560030 560013 560029 560085 560044 Wisconsin Adams County Allouez, Village of 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 10/1/92 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 05/1/07 10/1/02 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 7 8 6 7 8 9 8 9 8 8 8 9 7 9 8 10 9 10 15 10 20 15 10 5 10 5 10 10 10 5 15 5 10 0 5 5 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 C C R C 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded CRS 29 May 1, 2007 U.S. Department of Homeland Security 500 C Street, SW Washington, DC 20472 IMPORTANT FLOOD INSURANCE POLICY INFORMATION Insured’s Name: Property Address: 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 Insured’s Name: Property Address: 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 Insured’s Name: Property Address: 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 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 3, 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 ................ GR 11-12, 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 12, 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 1-4 Appealing a Claim ................................................... CL 1-3 Filing a Claim...............................................................CL 1 Increased Cost of Compliance (ICC) Claims .............. CL 4 Insured's Responsibilities ........................................ CL 1-3 Producer's Responsibilities......................................CL 3,4 Single Adjuster Program ..............................CL 3-4, DEF 8 Training ....................................................................... CL 4 CLAIMS COORDINATING OFFICE (CCO).........CL 4, 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 13, CONDO 8, 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 24A, 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, 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 3, 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 1-13 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 4, 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 LETTER OF MAP REVISION (LOMR) .........PRP 2, END 2, CN 1, 5-6, 6-7, MAP 3, DEF 5 LOSS ASSESSMENT COVERAGE ..... GR 11-12, CONDO 7 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 12-13 Application Submission ............................................GR 12 Assignment of Policy................................................GR 12 Commission, Producer’s ..........................................GR 13 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, 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 PHOTOGRAPH 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, 2 PROPER OPENINGS (FLOOD VENTS) ................................ LFG 1, 2, 3, 5, 7, DEF 7 IND 3 May 1, 2007 PROPERTY LOCATION................APP 2-3, PRP 4-5, END 3 PROPERTY REMOVED TO SAFETY EXPENSE ........ DEF 7 PROVISIONAL RATING ..................... GR 12, 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 4, 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 12, RATE 17 Condominiums...............................................CONDO 1-31 Contents Location .......................................... RATE 25-28 Crawl Space ...................................................... RATE 24A 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 12, 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 23-24 Submit-for-Rate ........................... GR 12, RATE 24, DEF 9 Tentative Rates .........GR 12, 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 3-4, 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 12, RATE 17 Crawl Space.......................................................RATE 24A Map “Grandfather” Rules: Effect of Map Revisions on Rates........................................................RATE 21-23 Policies Requiring Re-Rating..........................RATE 23-24 Post-’81 V Zone Optional Rating ......................... RATE 23 Provisional Rates ......................................... GR 12, DEF 7 Submit-for-Rate...................... GR 12, RATE 23-24, DEF 9 Tentative Rates.........GR 12, 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 12, RATE 23-24, DEF 9 SUBSTANTIAL DAMAGE.....GR 11, RATE 16, 23-24, DEF 9 SUBSTANTIAL IMPROVEMENT................................. APP 5, RATE 15-16, 23, DEF 9 SUSPENSION ....................................................GR 1, DEF 9 T TECHNICAL ASSISTANCE..........................................REF 2 TELEPHONE NUMBERS..........................................REF 3-6 TENTATIVE RATES ......GR 12, 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 4 WRITE YOUR OWN (WYO) PROGRAM .... REF 1-2, DEF 10 Z ZONE (See also Map Zones under FLOOD MAPS) ...MAP 2, DEF 10