U.S. Department of Homeland Security 500 C Street SW Washington, DC 20472 July 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 October 1, 2007. All of the changes are reflected on the enclosed amended pages, and related footers have been modified to reflect the October 1, 2007, effective date. The significant revisions include the following: • Expands the list of NFIP information resources available to all stakeholders (REF Section); • Clarifies information about a tenant’s improvements and betterments to a leased building and how a tenant may purchase additional coverage (GR, DEF Sections); • Explains the contract agent rule, under the terms of the contract between a WYO Company and a producer govern the producer’s authority to accept risks on behalf of the company and, for accepted risks, the policy waiting period and effective date of coverage (GR, DEF Sections); • For the Residential Condominium Building Association Policy, provides separate explanations of replacement cost provisions and coinsurance provisions, in place of the former combined explanation (CONDO Section); • Includes the reauthorized Residential Basement Floodproofing Certificate (FEMA Form 81-78) which may be used in approved communities through June 2010 (CERT Section); • Stipulates, although a Renewal Notice is not generated for nonrenewed or canceled policies, an appropriate notice of policy expiration must be sent to any mortgagee named on the policy (REN Section); • Expands the description of documentation required with use of Cancellation/Nullification Reason Code 19 to account for buildings removed from the Special Flood Hazard Area by multi-property Letters of Map Amendment or Letters of Map Revision (CN Section); • Clarifies, Cancellation/Nullification Reason Codes 22 and 24, the canceled policy must be rewritten with the same company (CN Section); www.fema.gov July 2007 Page 2 • Revises the criteria for severe repetitive loss properties by removing the word “market” from the term “current market value” in the text and letters to the agent, lender, and policyholder (SRL Section); and • 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 Enclosure Change Record Page Effective Date: October 1, 2007 Updates 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, xiii-xiv REF 3-6 GR 3-4, 7-8, 11-13 APP 3-6 RATE 15-16 CONDO 1-2, 7-8 LFG 1-2 CERT 7-8 REN 1-2 CN 1-10 CL 3-4 MAP 3-4 CRS 1-29 SRL 1-8 DEF 1-6 IND 1-5 i-viii, xiii-xiv REF 3-6 GR 3-4, 7-8, 11-13 APP 3-6 RATE 15-16 CONDO 1-2, 7-8 LFG 1-2 CERT 7-8 REN 1-2 CN 1-11 CL 3-5 MAP 3-4 CRS 1-29 SRL 1-8 DEF 1-6 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 i May 1, 2007 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 F. Improvements and Betterments and Tenant’s Coverage .................................... GR 12 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 13 C. Delivery of the Policy............................................................................................ GR 13 D. Assignment........................................................................................................... GR 13 E. Producers’ Commissions (Direct Business Only) ................................................ GR 13 F. Contract Agent Rule............................................................................................. 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 ii October 1, 2007 TABLE OF CONTENTS (Continued) SECTION PAGE V. COMPLETING PART 2 OF THE FLOOD INSURANCE APPLICATION FORM ......... APP 6 Section I - All Building Types........................................................................................ APP 7 Section II - Elevated Buildings...................................................................................... APP 7 Section III - Manufactured (Mobile) Homes/Travel Trailers.......................................... APP 7 VI. MAILING INSTRUCTIONS........................................................................................... APP 8 VII. HANDLING OF INCOMPLETE OR INCORRECT APPLICATIONS ............................ APP 8 RATING ..................................................................................................................................... RATE 1 I. AMOUNT OF INSURANCE AVAILABLE ..................................................................... RATE 1 II. RATE TABLES ............................................................................................................. RATE 1 III. DEDUCTIBLES ............................................................................................................ RATE 12 A. Buy-Back Deductibles..........................................................................................RATE 12 B. Changes in Deductible Amount............................................................................ RATE 12 IV. INCREASED COST OF COMPLIANCE (ICC) COVERAGE ....................................... RATE 14 V. RATING STEPS ........................................................................................................... RATE 15 VI. PREMIUM CALCULATION .......................................................................................... RATE 16 A. Emergency Program ............................................................................................ RATE 16 B. Regular Program.................................................................................................. RATE 16 VII. KEY POINTS FOR RATING......................................................................................... RATE 17 A. Basic Limits and Additional Limits........................................................................ RATE 17 B. Whole Dollars....................................................................................................... RATE 17 C. Increased Cost of Compliance (ICC) Premium.................................................... RATE 17 D. Federal Policy Fee ............................................................................................... RATE 17 E. Buildings in More Than One Flood Zone ............................................................. RATE 17 F. Mortgagee on Policy--Higher Deductible Requested........................................... RATE 17 VIII. REGULAR PROGRAM, POST-FIRM ELEVATION-RATED RISKS............................ RATE 17 A. Elevation Difference............................................................................................. RATE 17 B. Examples.............................................................................................................. RATE 18 C. Optional Elevation Rating..................................................................................... RATE 19 IX. PRE-FIRM ELEVATED BUILDING RATED AT PRE-FIRM RATES............................ RATE 19 X. AR ZONE AND AR DUAL ZONE RATING................................................................... RATE 19 XI. POST-FIRM AO ZONE RATING.................................................................................. RATE 19 XII. POST-FIRM RATING OF ELEVATED BUILDINGS IN ZONES B, C, X, A99, AND D......................................................................................................................... RATE 19 XIII. REGULAR PROGRAM V ZONE POST-FIRM CONSTRUCTION............................... RATE 19 A. Rating All V Zone Buildings.................................................................................. RATE 19 B. Zones VE and V1-V30--Enclosure Containing Machinery or Equipment Below BFE ...................................................................................... RATE 19 iii May 1, 2006 TABLE OF CONTENTS (Continued) SECTION PAGE C. 1975-81 Post-FIRM V Zone Construction............................................................ RATE 20 D. 1981 Post-FIRM V Zone Construction ................................................................. RATE 20 E. Elevated Buildings--1981 Post-FIRM V Zone Construction................................. RATE 20 XIV. SPECIAL RATING SITUATIONS ................................................................................. RATE 21 A. Tentative Rates .................................................................................................... RATE 21 B. Alternative Rates.................................................................................................. RATE 21 C. Map "Grandfather" Rules--Effect of Map Revisions on Flood Insurance Rates .. RATE 21 D. Post-’81 V Zone Optional Rating.......................................................................... RATE 23 E. Policies Requiring Re-Rating ............................................................................... RATE 23 F. Submit-for-Rate.................................................................................................... RATE 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................................................................................................ CONDO 7 D. Coinsurance ......................................................................................................... CONDO 7 E. Assessment Coverage......................................................................................... CONDO 7 iv October 1, 2007 TABLE OF CONTENTS (Continued) SECTION PAGE V. DEDUCTIBLES AND FEES ......................................................................................... CONDO 8 A. Deductibles........................................................................................................... CONDO 8 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 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 v October 1, 2007 TABLE OF CONTENTS (Continued) SECTION PAGE PREFERRED RISK POLICY...................................................................................................... PRP 1 I. GENERAL DESCRIPTION........................................................................................... PRP 1 II. ELIGIBILITY REQUIREMENTS ................................................................................... PRP 1 A. Flood Zone .......................................................................................................... PRP 1 B. Occupancy .......................................................................................................... PRP 1 C. Loss History......................................................................................................... PRP 1 D. Exclusions ........................................................................................................... PRP 1 III. DOCUMENTATION......................................................................................................PRP 2 IV. RENEWAL....................................................................................................................PRP 2 V. COVERAGE LIMITS..................................................................................................... PRP 2 VI. REPLACEMENT COST COVERAGE .......................................................................... PRP 2 VII. DISCOUNTS/FEES/ICC PREMIUM............................................................................. PRP 2 VIII. DEDUCTIBLES ............................................................................................................ PRP 2 IX. ENDORSEMENTS ....................................................................................................... PRP 2 X. CONVERSION OF STANDARD RATED POLICY TO PRP DUE TO MISRATING................................................................................................................ PRP 2 XI. CONVERSION OF STANDARD RATED POLICY TO PRP DUE TO MAP REVISION, LOMA, OR LOMR .......................................................................... PRP 4 XII. CONVERSION OF PRP TO STANDARD RATED POLICY ........................................ PRP 4 XIII. COMPLETING THE FLOOD INSURANCE PREFERRED RISK POLICY APPLICATION............................................................. PRP 4 A. Policy Status......................................................................................................... PRP 4 B. Policy Term .......................................................................................................... PRP 4 C. Agent Information................................................................................................. PRP 4 D. Insured’s Mailing Address.................................................................................... PRP 4 E. Disaster Assistance.............................................................................................. PRP 4 F. First Mortgagee .................................................................................................... PRP 4 G. Second Mortgagee or Other................................................................................. PRP 4 H. Property Location ................................................................................................. PRP 5 I. Community ........................................................................................................... PRP 5 J. Building and Contents.......................................................................................... PRP 5 K. Notice ................................................................................................................... PRP 5 L. Premium............................................................................................................... PRP 5 M. Signature.............................................................................................................. PRP 5 MORTGAGE PORTFOLIO PROTECTION PROGRAM ............................................................ MPPP 1 I. BACKGROUND............................................................................................................ MPPP 1 II. REQUIREMENTS FOR PARTICIPATING IN THE MPPP ........................................... MPPP 2 A. General................................................................................................................. MPPP 2 B. WYO Arrangement Article III--Fees ..................................................................... MPPP 2 C. Use of WYO Company Fees for Lenders/Servicers or Others ............................ MPPP 2 D. Notification............................................................................................................ MPPP 2 E. Eligibility ............................................................................................................... MPPP 3 F. Source of Offering ................................................................................................ MPPP 3 G. Dual Interest......................................................................................................... MPPP 3 H. Term of Policy ...................................................................................................... MPPP 3 vi May 1, 2006 TABLE OF CONTENTS (Continued) SECTION PAGE 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. Nonrenewal and Cancellation .............................................................................. 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 vii October 1, 2007 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 8 I. Refund.................................................................................................................. CN 8 J. Signature.............................................................................................................. CN 8 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 viii October 1, 2007 LIST OF TABLES (Continued) SECTION/TABLE PAGE CANCELLATION/NULLIFICATION Processing Outcomes for Cancellation/Nullification of a Flood Insurance Policy.................. CN 9 FLOOD MAPS MSC Products, Services, and Fees ...................................................................................... MAP 5 COASTAL BARRIER RESOURCES SYSTEM List of Communities................................................................................................................ CBRS 3 COMMUNITY RATING SYSTEM CRS Premium Discounts ....................................................................................................... CRS 1 Eligible Communities.............................................................................................................. CRS 2 xiii October 1, 2007 LIST OF ILLUSTRATIONS SECTION/ILLUSTRATION PAGE APPLICATION Flood Insurance Application - Part 1 .....................................................................................APP 9 Flood Insurance Application - Part 2 .....................................................................................APP 10 RATING V-Zone Risk Factor Rating Form and Instructions .................................................................RATE 33 LOWEST FLOOR GUIDE Lowest Floor Determination Guide.........................................................................................LFG 3 SPECIAL CERTIFICATIONS Residential Basement Floodproofing Certificate................................................................... CERT 7 Floodproofing Certificate for Non-Residential Structures...................................................... CERT 9 Elevation Certificate and Instructions - New Edition (2/13/2006).......................................... CERT 11 Elevation Certificate and Instructions - Old Edition (1/1/2003) ............................................. CERT 27 PREFERRED RISK POLICY Flood Insurance Preferred Risk Policy Application ...............................................................PRP 6 GENERAL CHANGE ENDORSEMENT Flood Insurance General Change Endorsement....................................................................END 13 POLICY RENEWALS Renewal Notice ..................................................................................................................... REN 4 Final Notice…… .................................................................................................................... REN 6 Credit Card Payment Form ....................................................................................................REN 8 CANCELLATION/NULLIFICATION Flood Insurance Cancellation/Nullification Request Form .....................................................CN 10 POLICY Standard Flood Insurance Policy - Dwelling Form................................................................ POL 3 Standard Flood Insurance Policy - General Property Form .................................................. POL 23 Standard Flood Insurance Policy - Residential Condominium Building Association Policy.................................................................................................................................. POL 43 FLOOD MAPS Sample Flood Insurance Rate Map (FIRM) .......................................................................... MAP 7 Sample Flood Hazard Boundary Map (FHBM) ..................................................................... MAP 8 xiv October 1, 2007 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 REF 3 October 1, 2006 NFIP GENERAL CONTACT INFORMATION FOR ALL NFIP STAKEHOLDERS TOPIC MAIL, E-MAIL & WEBSITE ADDRESSES TELEPHONE & FAX NUMBERS* Agent Referral Program Information & Sign-up Form https://agents.floodsmart.gov Phone 1-888-786-7693 CBRS Areas – Map Panel Listing http://www.fema.gov/business/nfip/cbrs/cbrs.shtm N/A Community Status Book (order hardcopy or CD-ROM, or download PDF) 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 FEMA Information Resource Library, Multimedia http://www.fema.gov/library/index.jsp N/A Flood Insurance Manual (order hardcopy or CD-ROM, or download PDF) 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 Map Information from FEMA Map Specialists on: - Letters of Map Change - Other Technical Issues FEMA Map Assistance Center 3601 Eisenhower Avenue, Suite 600 Alexandria, VA 22304 femamapspecialist@riskmapcds.com Phone 1-877-336-2627 Flood Maps, Flood Insurance Studies, and Q3 Data (order hardcopy or CD-ROM) 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 Flood Zone Determination Companies, List of http://www.fema.gov/business/nfip/fzone1.shtm N/A General Information for Agents & Consumers http://www.floodsmart.gov/floodsmart/pages/index.jsp N/A Supply Order Forms (bulk hardcopy orders): - 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; http://training.nfipstat.com/portal2/default.asp Phone (see REF 5-6) Watermark & e-Watermark Newsletters http://www.fema.gov/business/nfip/wm.shtm; http://watermark.nfipstat.com/index.htm N/A Write Your Own (WYO) Companies, List of http://www.fema.gov/nfipInsurance/companies.jsp Phone 1-800-480-2520 (item 073, “The Choice Is Yours”) *Telecommunication Device for the Deaf (TDD) 1-800-447-9487 REF 4 October 1, 2007 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 Robert Archila Connecticut, Maine, Massachusetts, 140 Wood Road Regional Manager New Hampshire, Rhode Island, Braintree, MA 02184-2513 Vermont Phone: 781-848-1908 Fax: 781-356-4142 Region II Executive Quarters Q-13 Walter McGuckin New Jersey, New York 1930 East Marlton Pike Regional Manager Cherry Hill, NJ 08003 Phone: 856-489-4005 Fax: 856-424-7112 Region III Executive Quarters Q-24 Richard Sobota, CPCU Delaware, District of Columbia, 1930 East Marlton Pike Territorial 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 REF 5 October 1, 2007 NFIP BUREAU AND STATISTICAL AGENT REGIONAL OFFICES Region V Suite 123 18008 Wolf Road Orland Park, IL 60467-5407 Phone: 708-326-3072 Fax: 708-326-3074 Region VI Suite 108 15835 Park Ten Place Houston, TX 77084-5131 Phone: 281-829-6880 Fax: 281-829-6879 Region VII Suite 3 401 South Main Street Ottawa, KS 66067-2300 Phone: 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 REF 6 May 1, 2007 3. Scheduled Building Policy The Scheduled Building Policy is available to cover 2 to 10 buildings. The policy requires a specific amount of insurance to be designated for each building. To qualify, all buildings must have the same ownership and the same location. The properties on which the buildings are located must be contiguous. 4. Group Flood Insurance Group Flood Insurance is issued by the NFIP Direct Program in response to a Presidential disaster declaration. Disaster assistance applicants, in exchange for a modest premium, receive a minimum amount of building and/or contents coverage for a 3-year policy period. An applicant may cancel the group policy at any time and secure a regular Standard Flood Insurance Policy through the NFIP. III. BUILDING PROPERTY ELIGIBILITY A. Eligible Buildings Insurance may be written only on a structure with two or more outside rigid walls and a fully secured roof that is affixed to a permanent site. Buildings must resist flotation, collapse, and lateral movement. At least 51 percent of the actual cash value of buildings, including machinery and equipment, which are a part of the buildings, must be above ground level, unless the lowest level is at or above the Base Flood Elevation (BFE) and is below ground by reason of earth having been used as insulation material in conjunction with energy-efficient building techniques. 1. Appurtenant Structures The only appurtenant structure covered by the SFIP is a detached garage at the described location, which is covered under the Dwelling Form. Coverage is limited to no more than 10 percent of the limit of liability on the dwelling. Use of this insurance is at the policyholder’s option but reduces the building limit of liability. The SFIP does not cover any detached garage used or held for use for residential (i.e., dwelling), business, or farming purposes. 2. Manufactured (Mobile) Homes/Travel Trailers Eligible buildings also include: • A manufactured home (a “manufactured home,” also known as a GR 3 mobile home, is a structure built on a permanent chassis, transported to its site in one or more sections, and affixed to a permanent foundation); or • A travel trailer without wheels, built on a chassis and affixed to a permanent foundation, that is regulated under the community’s floodplain management and building ordinances or laws. NOTE: All references in this manual to manufactured (mobile) homes include travel trailers without wheels. a. Manufactured (Mobile) Homes -New Policies Effective on or After October 1, 1982 To be insurable under the NFIP, a mobile home: • Must be affixed to a permanent foundation. A permanent foundation for a manufactured (mobile) home may be poured masonry slab or foundation walls, or may be piers or block supports, either of which support the mobile home so that no weight is supported by the wheels and axles of the mobile home. • Must be anchored if located in a Special Flood Hazard area. For flood insurance coverage, all new policies and subsequent renewals of those policies must be based upon the specific anchoring requirements identified below: A manufactured (mobile) home located within a Special Flood Hazard Area must be anchored to a permanent foundation to resist flotation, collapse, or lateral movement by providing over-the-top or frame ties to ground anchors; or in accordance with manufacturer’s specifications; or in compliance with the community’s floodplain management requirements. b. Manufactured (Mobile) Homes - Continuously Insured Since September 30, 1982 All manufactured (mobile) homes on a foundation continuously insured since September 30, 1982, can be renewed under the previously existing require- May 1, 2006 ments if affixed to a permanent foundation. Manufactured (mobile) homes in compliance with the foundation and anchoring requirements at the time of placement may continue to be renewed under these requirements even though the requirements are more stringent at a later date. To be adequately anchored, the manufactured (mobile) home is attached to the foundation support system, which in turn is established (stabilized) into the ground, sufficiently to resist flotation, collapse, and lateral movement caused by flood forces, including wind forces in coastal areas. 3. Silos and Grain Storage Buildings 4. Cisterns 5. Buildings Entirely Over Water - Constructed or Substantially Improved Before October 1, 1982 Follow "submit for rate" instructions in the Rating section for insurance on Post-FIRM buildings located entirely in, on, or over water or seaward of mean high tide for these buildings. Pre-FIRM buildings constructed before October 1, 1982, are eligible for normal Pre-FIRM rates. If the building's start of construction occurred on or after October 1, 1982, the building is ineligible for coverage. 6. Buildings Partially Over Water Follow “submit for rate” instructions in the Rating section for buildings partially over water. However, Pre-FIRM buildings are eligible for normal Pre-FIRM rates. 7. Boathouses Located Partially Over Water The non-boathouse parts of a building into which boats are floated are eligible for coverage if the building is partly over land and also used for residential, commercial, or municipal purposes and is eligible for flood coverage. The area above the boathouse used for purposes unrelated to the boathouse use (e.g., residential occupancy) is insurable from the floor joists to the roof including walls. A common wall between the boathouse area and the other part of the building is insurable. The following items are not covered: a. The ceiling and roof over the boathouse portions of the building into which boats are floated. b. Floors, walkways, decking, etc., within the boathouse area, or outside the area, but pertaining to boathouse use. c. Exterior walls and doors of the boathouse area not common to the rest of the building. d. Interior walls and coverings within the boathouse area. e. Contents located within the boathouse area, including furnishings and equipment, relating to the operation and storage of boats and other boathouse uses. The Flood Insurance Application form with photographs, but without premium, must be submitted to the NFIP for premium determination. No coverage becomes effective until the NFIP approves the insurance application, determines the rate, and receives the premium. However, buildings in existence prior to October 1, 1982, may continue to be rated using the published rate. 8. Buildings in the Course of Construction Buildings in the course of construction that have yet to be walled and roofed are eligible for coverage except when construction has been halted for more than 90 days and/or if the lowest floor used for rating purposes is below the Base Flood Elevation (BFE). Materials or supplies intended for use in such construction, alteration, or repair are not insurable unless they are contained within an enclosed building on the premises or adjacent to the premises. To determine the eligibility of a residential condominium building under construction, see page CONDO 6 in this manual. 9. Severe Repetitive Loss Properties These must be processed by the NFIP Special Direct Facility. See the Severe Repetitive Loss section of this manual for information. GR 4 October 1, 2007 Contents and personal property contained in these buildings are ineligible for coverage. For example, section 1316 of the National Flood Insurance Act of 1968 allows the states to declare a structure to be in violation of a law, regulation, or ordinance. Flood insurance is not available for properties that are placed on the 1316 Property List. Insurance availability is restored once the violation is corrected and the 1316 Declaration has been rescinded. B. Container-Type Buildings Gas and liquid tanks, chemical or reactor container tanks or enclosures, brick kilns, and similar units, and their contents are ineligible for coverage. C. Buildings Entirely Over Water Buildings newly constructed or substantially improved on or after October 1, 1982, and located entirely in, on, or over water or seaward of mean high tide are ineligible for coverage. D. Buildings Partially Underground If 50 percent or more of the building's actual cash value, including the machinery and equipment, which are part of the building, is below ground level, the building or units and their contents are ineligible for coverage unless the lowest level is at or above the BFE and is below ground by reason of earth having been used as insulation material in conjunction with energy efficient building techniques. E. Basement/Elevated Building Enclosures Certain specific property in basements and under elevated floors of buildings is excluded from coverage. See the policy contract for specific information. VII. EXAMPLES OF INELIGIBLE RISKS Some specific examples of ineligible risks are provided below. See the policy for a definitive listing of property not covered. A. Building Coverage 1. Boat Repair Dock 2. Boat Storage Over Water 3. Boathouses (exceptions on page GR 4) 4. Camper 5. Cooperative Unit Within Cooperative Building 6. Decks (except for steps and landing; maximum landing area of 16 sq. ft.) 7. Drive-In Bank Teller Unit (located outside walls of building) 8. Fuel Pump 9. Gazebo (unless it qualifies as a building) 10. Greenhouse (unless it has at least two rigid walls and a roof) 11. Hot tub or spa (unless it is installed as a bathroom fixture) 12. Open Stadium 13. Pavilion (unless it qualifies as a building) 14. Pole Barn (unless it qualifies as a building) 15. Pumping Station (unless it qualifies as a building) 16. Storage Tank--Gasoline, Water, Chemicals, Sugar, etc. 17. Swimming Pool Bubble 18. Swimming Pool (indoor or outdoor) 19. Tennis Bubble 20. Tent 21. Time Sharing Unit Within Multi-Unit Building 22. Travel Trailer (unless converted to a permanent onsite building meeting the community's floodplain management permit requirements) 23. Water Treatment Plant (unless 51 percent of its actual cash value is above ground) B. Contents Coverage 1. Automobiles--Including Dealer's Stock (assembled or not) 2. Bailee's Customer Goods--Including garment contractors, cleaners, shoe repair shops, processors of goods belonging to others, and similar risks 3. Contents Located in a Structure Not Eligible for Building Coverage 4. Contents Located in a Building Not Fully Walled and/or Contents Not Secured Against Flotation GR 7 May 1, 2006 5. Motorcycles--Including Dealer's Stock (assembled or not) 6. Motorized Equipment--Including Dealer's Stock (assembled or not) C. Non-Residential Condominium Unit The owner of a non-residential condominium unit cannot purchase a unit owner's policy. The association can purchase a condominium association policy to cover the entire building. Contents-only coverage may be purchased by the unit owner. VIII. POLICY EFFECTIVE DATE A. Evidence of Insurance A copy of the Flood Insurance Application and premium payment, or a copy of the declarations page, is sufficient evidence of proof of purchase. The NFIP does not recognize binders or certificates 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 GR 8 October 1, 2007 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. F. Improvements and Betterments and Tenant’s Coverage Under the Standard Flood Insurance Policy, coverage for improvements and betterments is provided for tenants who have purchased personal property coverage. The maximum amount payable for this coverage, which applies to fixtures, alterations, installations, or additions made or acquired solely at the tenant’s expense and comprising part of an insured building, is 10 percent of the personal property limit of liability shown on the Declarations Page. Use of improvements and betterments coverage reduces the amount of coverage available for personal property. A tenant may purchase higher limits of coverage for improvements and betterments under the building coverage if the lease agreement with the building owner: • Requires that the tenant purchase insurance coverage for the tenant’s improvements and betterments that are made or acquired; and • States that the tenant is responsible for the repair of the building and/or improvements and betterments that become damaged. Duplicate coverage is not permitted under the NFIP, so only one policy can be issued for building coverage, and the amount of building coverage cannot exceed the maximum allowable under the Act. The policy may be issued either in the name of the building owner or in the names of the building owner and the tenant. X. SPECIAL RATING SITUATIONS A. Tentative Rates Tentative rates are applied when producers are unable to provide all required underwriting information necessary to rate the policy. Tentatively rated policies cannot be endorsed to increase coverage limits or renewed for another policy term until required actuarial rating information and full premium payment are received by the NFIP. If a loss occurs on a tentatively rated policy, the loss payment will be limited by the amount of coverage that the premium initially submitted will purchase (using the correct actuarial rating information), and not the amount requested by application. B. Submit-For-Rate Some risks, because of their unique underwriting characteristics, cannot be rated using this manual. Certain risks must be submitted to the NFIP Underwriting Unit to determine the appropriate rate. Refer to page GR 9 for the applicable waiting period. Submit-for-rate policies must be rerated annually using the newest rates. If the NFIP Direct or WYO company does not have all the underwriting information, it must request the missing information from the insured in order to properly rate the risk. Pre-FIRM risks may not be rated using the submit-for-rate process. C. Provisional Rates Rules applicable to provisionally rated policies are provided in the Provisional Rating section of this manual. D. Buildings in More Than One Flood Zone Buildings, not the land, located in more than one flood zone must be rated using the more hazardous zone. This condition applies even though the portion of the building located in the more hazardous zone may not be covered under the SFIP, such as a deck. XI. MISCELLANEOUS RULES A. Policy Term The policy term available is 1 year for both NFIP Direct business policies and policies written through WYO Companies. GR 12 October 1, 2007 B. Application Submission Flood insurance applications and presentment of premium must be mailed promptly to the NFIP. The date of receipt of premium for the NFIP insurer is determined by either the date received at its offices or the date of certified mail. In the context of submission of applications, endorsements, and premiums to the NFIP, the term “certified mail” has been broadened to include not only the U.S. Postal Service but also certain third-party delivery services. For details, see the paragraph following VIII.B.2. on page GR 8. Producers are encouraged to submit flood insurance applications by certified mail. Certified mail ensures the earliest possible effective date if the application and premium are received by the NFIP insurer more than 10 days from the application date. The date of certification becomes the date of receipt at the NFIP. C. Delivery of the Policy The producer is responsible for delivering the declarations page and the policy contract of a new policy to the insured and, if appropriate, to the lender. Renewal policy documentation is sent directly to the insured. D. Assignment A property owner's flood insurance building policy may be assigned in writing to a purchaser of the insured property upon transfer of title without the written consent of the NFIP. Policies on buildings in the course of construction and policies insuring contents only may not be assigned. E. Producers' Commissions (Direct Business Only) The earned commission may be paid only to property or casualty insurance producers duly licensed by a state insurance regulatory authority. It shall not be less than $10 and is computed for both new and renewal policies as follows: Based on the Total Prepaid Amount (less the Federal Policy Fee) for the policy term, the commission will be 15 percent of the first $2,000 of annualized premium and 5 percent on the excess of $2,000. Calculated commissions for mid-term endorsements and cancellation transactions will be based upon the same commission percentage that was paid at the policy term's inception. Commissions for all Scheduled Building Policies are computed as though each building and contents policy was separately written. For calculation of commission on an RCBAP, see the CONDO section. F. Contract Agent Rule A “Contract Agent” is an employee of a WYO Company, or an agent under written contract with a WYO Company, empowered to act on the company’s behalf and with authority to advise an applicant for flood insurance that the company will accept the risk. The effective date for a policy written through a Contract Agent has a waiting period that begins on the agent’s or employee’s receipt of the premium and completion of the application. An agent under written contract to a WYO Company is not a Contract Agent if the WYO Company reserves the right to reject the risk. The effective date for a policy not written through a Contract Agent has a waiting period that begins on the WYO Company’s receipt of the premium and completed application. To establish a Contract Agent relationship acceptable to the NFIP, the WYO Company must include the stipulations above in its written contract with the agent or employee. GR 13 October 1, 2007 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. APP 3 October 1, 2007 • 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 building 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 APP 4 October 1, 2007 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. APP 5 October 1, 2006 • 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, American Express, Discover, or Diners Club 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 APP 6 October 1, 2007 V. RATING STEPS A. Determine the exact location of the building and/or contents to be insured. IF THE MAILING ADDRESS DIFFERS FROM THE PROPERTY ADDRESS, USE THE PROPERTY ADDRESS ONLY. B. Determine if the building is located in an eligible community. Not all communities participate in the NFIP. There is NO COVERAGE available in nonparticipating communities. If you are uncertain, call the NFIP insurer, consult a local community official, or check the NFIP Community Status Book online (http://www.fema.gov/fema/csb.shtm). C. Determine the NFIP program phase (Emergency or Regular) and the community in which the property is located. Some communities may be eligible for premium discounts under the Community Rating System (CRS). See the CRS Section for a list of eligible communities, the corresponding discounts, and an example showing how to apply the CRS discount. D. Determine the location of the contents in the building. E. Determine the date of construction as described below. • Date of Construction—Buildings For flood insurance purposes, the date of construction for buildings under the NFIP must be determined in order to establish whether the building is Pre- FIRM or Post-FIRM construction. The start of construction or substantial improvement for insurance purposes means the date the building permit was issued, provided the actual start of construction, repair, reconstruction, or improvement was within 180 days of the permit date. For the Coastal Barrier Resources System, the start of construction or substantial improvement, for insurance purposes, must be determined in accordance with the documentation requirements set forth by the Coastal Barrier Resources Act (CBRA). (See the Coastal Barrier Resources System Section.) • Date of Construction—Manufactured (Mobile) Homes/Travel Trailers The date of construction for a manufactured (mobile) home is different from a standard building and depends upon the location of the manufactured (mobile) home. For manufactured (mobile) homes located in manufactured (mobile) home parks or subdivisions, the date of construction is the date facilities were constructed for servicing the manufactured (mobile) home site, or the date of the permit, provided that construction began within 180 days of the permit date. This rule applies to all manufactured (mobile) homes even if the manufactured (mobile) home is rated and classified as single family. For manufactured (mobile) homes not located in manufactured (mobile) home parks or subdivisions, but located on individually owned lots or tracts of land, the date of construction is the date the manufactured (mobile) home was permanently affixed to the site or the permit date if affixed to the site within 180 days of the date of permit. • Pre-FIRM Construction For the purpose of determining insurance rates, buildings for which the start of construction or substantial improvement was on or before December 31, 1974, or before the effective date of the initial FIRM for the community, are considered Pre-FIRM construction. However, for insurance purposes, manufactured (mobile) homes that are located or placed in existing manufactured (mobile) home parks or subdivisions, or expansions to existing manufactured (mobile) home parks or subdivisions, are considered Pre-FIRM. All historic buildings are considered Pre-FIRM as long as the building meets the definition of a historic building. (See the Definitions Section.) RATE 15 October 1, 2007 Pre-FIRM buildings that are substantially improved may continue being rated as Pre-FIRM if certain conditions are satisfied. Pre-FIRM rating is applicable ONLY when ALL of the following conditions are met: - The building must be Pre-FIRM. - The substantial improvement must be an ADDITION to the building. (This condition excludes substantial improvements made as interior remodeling or repair projects.) - The ADDITION and extension must be next to and in contact with the existing building. (This condition does not apply to substantial improvements consisting of the construction of additional floors.) - An Elevation Certificate must be submitted to the NFIP Underwriting Unit with the application or renewal. The Elevation Certificate must verify that the lowest floor elevation of the ADDITION is at or above the applicable base flood elevation in effect at the time the addition is started. NOTE: Elevation Certificates certified on or after January 1, 2007, must be submitted on the new Elevation Certificate form. The Elevation Certificate must meet all photo requirements described on pages CERT 1-2 of this manual. An Elevation Certificate submitted without the required photographs is not considered valid for rating. If all of the above conditions are satisfied, the entire building is eligible for Pre-FIRM rates. (Except for some V-Zone risks and some manufactured [mobile] home risks, Post-FIRM rates provide less costly coverage and, therefore, the coverage may be rated using the lower Post-FIRM rates.) If the above conditions are not satisfied, the entire building MUST be rated as Post-FIRM. • Post-FIRM Construction For insurance rating purposes, buildings for which the start of construction or substantial improvement was after December 31, 1974, or on or after the effective date of the initial FIRM for the community, whichever is later, are considered Post-FIRM construction. This would include all manufactured (mobile) homes located in either new manufactured (mobile) home parks or subdivisions or outside of existing manufactured (mobile) home parks or subdivisions. VI. PREMIUM CALCULATION A. Emergency Program 1. Determine Occupancy Type: Residential or Non-Residential. 2. Calculate premium using appropriate rates. 3. Apply appropriate deductible factor if an Optional Deductible is selected. 4. Add Federal Policy Fee. B. Regular Program 1. Determine if the property to be insured is Pre-FIRM or Post-FIRM. A Pre-FIRM premium table for standard risk, single family property is located on page RATE 11. 2. Determine Zone. 3. Determine Occupancy: Single Family, 2-4 Family, Other Residential, Non-Residential, or Manufactured (Mobile) Home. 4. Determine Building Type (including basement or enclosure, if any): one floor, two floors, three or more floors, split level, or manufactured (mobile) home on foundation. 5. Determine if building has basement (or enclosed area below an elevated building): none, finished, or unfinished. 6. Determine Elevation Difference. 7. Calculate premium using the appropriate rates. 8. Apply appropriate deductible factor if an Optional Deductible is selected. RATE 16 October 1, 2006 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 the insurable value/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. CONDO 1 October 1, 2007 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. CONDO 2 May 1, 2005 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 As stated above in “B. Coverage Limits,” the RCBAP’s building coverage is on a Replacement Cost valuation basis. Replacement Cost Value means the cost to replace property with the same kind of material and construction without deduction for depreciation. A condominium unit owner’s Dwelling Form policy provides Replacement Cost coverage on the building if eligibility requirements are met. D. Coinsurance The RCBAP’s coinsurance penalty is applied to building coverage only. To the extent that 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. E. 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. CONDO 7 October 1, 2007 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. 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 $500. Optional deductible amounts are available under the RCBAP. B. Federal Policy Fee The Federal Policy Fees for the RCBAP are: 1 unit -$ 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 UNIT OWNERS' DWELLING POLICIES Unit owner’s Dwelling Policies may be cancelled mid-term for the reasons mentioned in the Cancellation/Nullification section of the manual. To cancel building coverage while retaining contents coverage on a unit owner's policy, submit a General Change Endorsement form. In the event of a cancellation: • The commission on a unit owner's policy will be retained, in full, by the producer, • The Federal Policy Fee and Probation Surcharge will be refunded on a pro rata basis, and • The premium refund will be calculated on a pro rata basis. An existing Dwelling Policy or RCBAP may be endorsed to increase amounts of coverage in accordance with Endorsement rules. They may not be endorsed mid-term to reduce coverage. IX. APPLICATION FORM The producer should complete the entire Flood Insurance Application according to the directions in the Application section of this manual and attach two new photographs of the building, one of which clearly shows the location of the lowest floor used for rating the risk. A. Type of Building For an RCBAP, the “Building” section of the Flood Insurance Application must indicate the total number of units in the building and whether the building is a high rise or low rise. High-rise (vertical) condominium buildings are defined as containing at least five units, and having at least three floors. Note that an enclosure below an elevated floor building, even if it is the lowest floor for rating purposes, cannot be counted as a floor to classify the building as a high-rise condominium building. Low-rise condominium buildings are defined as having less than five units and/or less than three floors. In addition, low-rise also includes all townhouses/rowhouses regardless of the number of floors or units, and all detached single family buildings. For a Dwelling Form used to insure a condominium unit, or for a Condominium Association Policy, see the Application section of this manual. B. Replacement Cost Value For an RCBAP, use normal company practice to estimate the Replacement Cost Value (RCV) and enter the value in the “Building” section of the Application. Include the cost of the building foundation when determining the RCV. Attach the appropriate valuation to the Application. Acceptable documentation of a building's RCV is a recent property inspection report that states the building's value on an RCV basis. The cost of the building's foundation must be included in determining the RCV. The cost of bringing the building into compliance with local codes (law and ordinance) is not to be included in the calculation of the building's replacement cost. To maintain CONDO 8 October 1, 2007 LOWEST FLOOR GUIDE This section is to be used as a guide for identifying the lowest floor for rating buildings being considered for coverage under the National Flood Insurance Program. I. LOWEST FLOOR DETERMINATION The following guidance, along with the comments accompanying each building drawing provided in this section (pages LFG 8-59), will help insurance agents determine the lowest floor so that the appropriate rate can be applied. A. Non-Elevated Buildings In a non-elevated building, the lowest floor used for rating is the building’s lowest floor including a basement, if any. If a building located in an A zone (any flood zone beginning with the letter A) has an attached garage, and the floor level of the garage is below the level of the building, and there is machinery/equipment on the floor of the garage that is below the Base Flood Elevation (BFE), the lowest floor is the garage floor unless the garage has proper openings (flood vents). See “Proper Openings” in the Definitions section. B. Elevated Buildings in A Zones In an elevated building located in an A zone (any flood zone beginning with the letter A), the lowest floor used for rating is the lowest elevated floor, with the exceptions described below. If a building located in an A zone has an enclosure below the elevated floor, including an attached garage, the enclosure or garage floor becomes the lowest floor for rating if any of the following conditions exists: • The enclosed space is finished (having more than 20 linear feet of finished wall [paneling, etc.]); or • The unfinished enclosed space is used for other than building access (stairwells, elevators, etc.), parking, or storage; or • The unfinished enclosed space has no proper openings (flood vents). 1. Enclosures with Openings An elevated building with an enclosure below the elevated floor with proper openings (flood vents) in the enclosure can be rated using the elevated floor as the lowest floor. (For elevated buildings with proper openings in the enclosure, the application should indicate “No” for enclosure.) This rule applies to buildings in Zones A, A1-A30, AE, AO, AH, AR, and AR Dual. All enclosures (including an elevator shaft or a crawl space) below the lowest elevated floor must be designed to automatically equalize hydrostatic flood forces on exterior walls by allowing for the entry and exit of floodwaters. A minimum of two openings, with positioning on at least two walls, having a total net area of not less than 1 square inch for every square foot of enclosed area must be provided. The bottom of all openings must be no higher than 1 foot above the grade underneath the openings. 2. Alternative to the Openings Requirement Above In situations where it is not feasible to meet the openings requirement above, it is acceptable to use the following certification/letter in order for the enclosure floor elevation to be excluded for rating: • A registered professional engineer or architect certification that the flood openings are designed to automatically equalize hydrostatic flood forces on exterior walls by allowing for the entry and exit of floodwaters. This certification is required to assure community officials that the openings are designed in accordance with accepted standards of practice. For acceptable certifications, refer to FEMA Technical Bulletin 1-93, “Openings in Foundation Walls for Buildings Located in Special Flood Hazard Areas” at http://www.fema.gov/pdf/fima/job2.pdf. or • A letter or other written evidence from the community building official that the flood openings have been accepted by the community as an alternative to the openings requirement in the International Building Code or the local ordinance based on the issuance of an Evaluation Report on openings by the International Code Council Evaluation Service, Inc. 3. Crawl Spaces If a building elevated on a crawl space is located in an A zone and has an attached garage, use the following guidelines to determine the lowest floor for rating: LFG 1 October 1, 2007 • Use the top of the crawl space (underfloor space) floor or the garage floor, whichever is lower, if neither the crawl space nor the garage has proper openings (flood vents); or • Use the top of the crawl space floor, if the only area that has proper openings (flood vents) is the garage; or • Use the top of the garage floor, if the only area that has proper openings (flood vents) is the crawl space; or • Use the top of the finished floor (habitable floor), if both the crawl space and the garage have proper openings (flood vents). Pre-FIRM buildings with subgrade crawl spaces that are below the BFE may use optional Post-FIRM elevation rating. Follow the Submit-for-Rate procedures. C. Elevated Buildings in V Zones In Zones V, VE, and V1-V30, the floor of an enclosed area below the lowest elevated floor is the building's lowest floor if one or more of the following conditions are met: • The enclosed space is finished (having more than 20 linear feet of finished wall-paneling, etc.); or • The unfinished enclosed space is used for other than building access (stairwells, elevators, etc.), parking, or storage; or • The enclosed space is of any size, and there is machinery or equipment below the BFE located inside or outside the enclosed space. (Machinery or equipment is defined as building items permanently affixed to the building and that provide utility services for the building—i.e., furnaces, hot water heaters, heat pumps, air conditioners, and elevators and their associated equipment. Washers, dryers, and food freezers are contents items and are not considered machinery or equipment.); or • The enclosed space is constructed with non- breakaway walls (A non-breakaway wall is defined as a wall that is attached to the structural support of the building and is not designed or constructed to collapse under specific lateral loading forces. This type of construction endangers the foundation system of the building.); or • The enclosed space is 300 square feet or more and has breakaway walls; or • The enclosed space has load-bearing (supporting) walls. If the enclosed space (enclosure) is at or above the BFE, use the “Free of Obstruction” rate table on page RATE 7 or page CONDO 19, as appropriate. The elevation of the bottom enclosure floor is the lowest floor for rating (LFE). Also see “D. Post-’81 V Zone Optional Rating” on page RATE 23. II. USE OF ELEVATION CERTIFICATE The Elevation Certificate is used to properly rate buildings located in Special Flood Hazard Areas (SFHAs). Use the criteria below in determining whether use of the Elevation Certificate is mandatory or optional. (See the Special Certifications section, pages CERT 1-2, for more information on using the Elevation Certificate.) A. Mandatory Use of Elevation Certificate An Elevation Certificate is required for a Post- FIRM building located in Zones AE, A1-A30, VE, V1-V30, or a Pre-FIRM building opting for Post- FIRM rates (see “B.” below). An Elevation Certificate is also required for a Post-FIRM building located in unnumbered A Zones (With or Without Estimated BFE), Zone AH, and Zone AO, if the building has a basement or enclosure without proper openings (flood vents). If the building is Post-FIRM construction located in unnumbered A Zones, check with the community official to determine if there is an estimated Base Flood Elevation. If available, an Elevation Certificate that certifies the lowest floor elevation must be submitted. B. Optional Rating Using the Elevation Certificate Buildings located in AR and AR Dual zones, or constructed prior to publication of the initial Flood Insurance Rate Map (Pre-FIRM), can, at the option of the insured, be elevation-rated using Post-FIRM rates. The insured may select the more advantageous rate. In addition, the Elevation Certificate is optional in unnumbered A Zones (With or Without Estimated BFE), Zone AH, and Zone AO if the building has no basement or enclosure. LFG 2 October 1, 2006 CERT 7 October 1, 2007 PAPERWORK BURDEN DISCLOSURE NOTICE FEMA Form 81-78 CERT 8 October 1, 2007 POLICY RENEWALS I. GENERAL INFORMATION The Standard Flood Insurance Policy is not a continuous policy. Each policy contract expires at 12:01 a.m. on the last day of the policy term. Renewal of an expiring policy establishes a new policy term and new contractual agreement between the policyholder and the Federal Emergency Management Agency. The NFIP must issue a notice of expiration not less than 45 days before the expiration of the flood insurance policy by first class mail to the owner of the property, the servicer of any loan secured by the property, and (if known) the owner of the loan. All policies, including Submit-for-Rate, must be renewed using the rates in effect on the renewal date. Policy renewal documentation and premium should be submitted to the NFIP in advance of the policy expiration date to ensure there is no lapse in coverage. There are two ways to renew a policy written directly with the National Flood Insurance Program or WYO Company: 1. The producer should complete the entire Flood Insurance Application when recertifying or changing policy information, and mail it with the Total Prepaid Amount to the NFIP. The 30-day waiting period applies when an additional amount of insurance requested at renewal time is higher than the amount listed on the renewal bill provided by the insurer. The beginning of the waiting period is determined by the standard rules. OR 2. The payor should respond to a Renewal Notice by selecting an option shown on the direct mail notice and returning it with the Total Prepaid Amount to the NFIP. II. RENEWAL NOTICE All parties listed on the policy (insured, agent, mortgagees) are mailed a Renewal Notice 45 days prior to the policy expiration date. The party designated on the policy record as the payor receives the payor’s copy of the bill; all other parties receive a copy that states “THIS IS NOT A BILL.” A. Renewing for the Same Coverage – Option A Option A of the Renewal Notice shows current amounts of insurance and deductibles at the time the Renewal Notice is printed B. Inflation Factor – Option B Option B shows premium for amounts of insurance increased by an inflation factor of 10 percent for building coverage and 5 percent for contents coverage. The current deductible is used. For Preferred Risk Policies, Option B is the next higher coverage package available. There is no waiting period if Option B is chosen. The inflation option will be no higher than the replacement cost on record for that policy. If coverage higher than the current replacement cost on record is desired, updated replacement cost documentation must be submitted. C. Nonrenewal and Cancellation Renewal Notices will not be generated and policies will not be renewed for the following situations: 1. Building under construction 2. Tentatively rated policy 3. Suspended community 4. Provisional rating 5. Group Flood Insurance Policy 6. PRP ineligibility 7. Section 1316 property However, in each of the situations above, any mortgagee named on the policy must be notified of the nonrenewal or cancellation, as required by the Mortgage Clause of the Standard Flood Insurance Policy (see General Conditions section, condition R). Within 5 days of the policy expiration date, an appropriately worded expiration notice must be sent to the mortgagee, with copies to the agent and the insured. III. PREMIUM PAYMENT DUE To ensure that the policy is renewed without a lapse in coverage, the premium must be received by the NFIP within 30 days after the expiration date. As an alternative, the premium can be mailed by certified mail within 30 days after the expiration date. The term “certified mail” has been broadened to include not only the U.S. Postal Service but also certain third-party delivery services. For details, see the paragraph following VIII.B.2. on page GR 8. Use the renewal date REN 1 October 1, 2007 plus 29 days to determine if the renewal premium was received within 30 days. Renewal payments may also be paid by VISA, MasterCard, American Express, Discover, or Diners Club. Use the detachable payment stub at the bottom of the Renewal and Final Notices, or use the Credit Card Payment Form at the end of this section. The form is also available in the Forms Library on the NFIP Servicing Agent’s web site at www.nfipservices.com. If a charge is declined, you will be notified by mail. IV. FINAL NOTICE If the premium payment is not received by the NFIP by the date of expiration, a Final Notice is produced. This notice is mailed to the producer, insured, and mortgagee. The expired policy will be reissued with a new effective date if the premium payment is not received by the NFIP within 30 days following the policy expiration date. Mortgagee protection under the policy shall continue in force after the expiration of the policy for 30 days from the mailing date. V. RENEWAL EFFECTIVE DATE DETERMINATION Renewal dates are calculated as follows: • If the Final Notice and the premium payment are received by the NFIP within 30 days following the expiration, the policy will be issued under the same policy number as the previous term, with no lapse in coverage. For example, if the policy expires on May 1, the Final Notice and premium payment must be received on or before May 30. • If the Final Notice and the premium payment are received by the NFIP after the 30-day period, but within 90 days following the expiration, the policy will be placed in force 30 days following receipt by the NFIP. • If the Final Notice and the premium payment are received after 90 days following the expiration date, the agent must submit a new application with the full annual premium. The standard 30-day wait rules will apply. VI. INSUFFICIENT RENEWAL INFORMATION To generate Renewal Notices and Final Notices, the NFIP must have received acceptable application data. A Renewal Notice will not be generated in cases where a policy application has not been corrected prior to the start of a renewal cycle. Therefore, it is important that producers respond immediately to the requests for additional information. VII. ENDORSEMENTS DURING RENEWAL CYCLE Endorsements received at the NFIP within 75 days of the policy expiration date may not be reflected on the renewal bill. The producer should, therefore, ensure that the new policy is properly endorsed after renewal. The producer should use a renewal application to ensure that all changes are reflected on the renewal. VIII. SEVERE REPETITIVE LOSS PROPERTIES Severe Repetitive Loss (SRL) properties are a subset of the properties whose policies were formerly assigned to the Repetitive Loss Target Group, which has been phased out. Effective January 1, 2007, all policy transactions for SRL properties must be processed by the NFIP Special Direct Facility. See the SRL section of this manual for information. REN 2 October 1, 2007 CANCELLATION/NULLIFICATION Flood insurance coverage may be terminated at any time, by either canceling or nullifying the policy depending upon the reason for the transaction. If coverage is terminated, the insured may be entitled to a full or partial refund under applicable rules and regulations. In some instances, the insured might be ineligible for a refund. I. PROCEDURES AND VALID REASONS Submit a completed Cancellation/Nullification Request Form and proper documentation to the current NFIP insurer for processing. A. Refund Processing Procedures 1. The current NFIP insurer (WYO Company or Direct Business) will be responsible for returning the premium for the current and 1 prior policy year, provided that it was the insurer for that period. If another NFIP insurer was the insurer for the prior policy year, it will be responsible for returning the premium for that year. 2. Requests for refunds for more than 2 years (Reason Codes 4, 6, 10, 16, and 22 only) must be processed by the NFIP Bureau. a. For requests processed by the Bureau, the current NFIP insurer must submit all of the documentation necessary to make a refund for any period exceeding 2 years. At a minimum, this documentation will consist of the following: • A policy cancellation request and the premium refund calculation for each year. • The company’s statistical records or declarations pages for each policy term and evidence of premium payments obtained from the insured if these documents are not available from the company’s records. • Photographs to verify ineligible risks. • For Cancellation Reason Code 22 only (standard policy eligible for PRP): A Letter of Map Amendment (LOMA); a Letter of Map Revision (LOMR); a copy of the most recent flood map marked to show the exact location and flood zone of the building; a letter indicating the exact location and flood zone of the building, and signed and dated by a local community official; an Elevation Certificate indicating the exact location and flood zone of the building, and signed and dated by a surveyor, engineer, architect, or local community official; or a flood zone determination certification that guarantees the accuracy of the information. b. Mail the appropriate documentation to the NFIP Bureau and Statistical Agent, Underwriting Department, P.O. Box 310, Lanham, MD 20703. 3. WYO Companies will be notified of the premium refunded and the Expense Allowance due to the NFIP. The companies must maintain this documentation as part of their underwriting files. 4. The insured must have a current NFIP policy to be eligible for a refund of any prior year’s premium. All existing refund rules concerning the Federal Policy Fee and producer commission remain in effect. TRRP reason codes in this section are used for reporting purposes only. B. Reason Codes for Cancellation/ Nullification of NFIP Policies 1. Building Sold or Removed. (TRRP reason 01) The insured has sold or transferred ownership of the insured property and no longer has an insurable interest; the builder or developer has requested to cancel the policy mid-term because a newly created association has purchased a policy under its name; or the insured property has been removed from the described location. This reason code also may be used if the building has been foreclosed or if the building is considered a total loss because the building damage is greater than or equal to the replacement cost of the building. The effective date of the cancellation is the date the insured ceased to have an insurable interest in the property. For buildings sold, proof-of-sale documentation is required. y Type of Refund: Pro Rata y Years Eligible for Refund: Up to 2 years y Cancellation Request: Must be received within 1 year of date of sale or removal if the policy has expired .. Documentation: Bill of sale, settlement statement, foreclosure notice, proof of removal, or proof of total loss CN 1 October 1, 2007 2. Contents Sold or Removed. (TRRP reason 02) The insured has sold or transferred ownership of the insured property and no longer has an insurable interest, or the insured property has been completely removed from the described location. The effective date of the cancellation is the date the insured ceased to have an insurable interest in the property at the described location, or the date the property was removed from the described location. y Type of Refund: Pro Rata y Years Eligible for Refund: Up to 2 years y Cancellation Request: Must be received within 1 year of date of sale or removal y Documentation: Bill of sale, proof of contents removal, or proof of total loss 3. Policy Canceled and Rewritten To Establish a Common Expiration Date with Other Insurance Coverage. (TRRP reason 03) The new policy must be rewritten within the same company for the same or higher amounts of coverage. However, if it is rewritten for higher amounts of coverage, the waiting period rule will apply. The producer must submit a new Application and premium. Upon receipt of the new policy declarations page, the producer should request cancellation of the prior policy. The effective date of the cancellation will be the same as the effective date of the new policy. y Type of Refund: Pro Rata y Years Eligible for Refund: Current year y Cancellation Request: Must be received within 1 year of the new policy effective date y Documentation: Copy of new policy declarations page 4. Duplicate NFIP Policies. (TRRP reason 04) When a duplicate NFIP policy has been issued, only one policy can remain in effect. The insured can choose which policy is to remain in effect and which policy is to be canceled. This does not apply when there has been a deliberate creation of duplicate policies. If this event does occur, the policy with the later effective date must be canceled. Losses occurring under such circumstances will be adjusted according to the terms and conditions of the first policy. When coverage has been force-placed by a lender using a conventionally written standard policy because the required underwriting information is available, that policy is considered equivalent to the MPPP policy. The WYO Company is authorized to cancel the standard (forceplaced) policy, provided that a copy of the force-placement letter from the mortgagee and a copy of the policy declarations page are submitted with the Cancellation/ Nullification Request Form. The WYO Company is authorized to cancel the MPPP policy if a copy of the policy declarations page is submitted with the Cancellation/ Nullification Request Form. y Type of Refund: Pro Rata y Years Eligible for Refund: Up to 6 years y Cancellation Request: Must be received within 1 year of the policy expiration date y Documentation: Copy of declaration page(s) and, for the standard force- placed policy, a copy of the force- placement letter from the mortgagee 5. Non-Payment. (TRRP reason 05) When a producer accepts a premium payment from a client and then submits an agency check to the NFIP with the application, the policy may be nullified if the client's check is returned because of insufficient funds or any other reason the check is not made good to the producer. The bank's notice must be attached to the form when this situation occurs. If the producer can document this, a full premium refund is provided to the producer. If a WYO company has covered the premium for a prospective insured and then does not receive payment, the policy can be nullified. This reason cannot be used if the producer advanced agency funds and the client simply refused to pay the agency. y Type of Refund: Full CN 2 October 1, 2007 y Years Eligible for Refund: Current year y Cancellation Request: Must be received during the policy year y Documentation: Bank notice of nonpayment 6. Risk Not Eligible for Coverage. (TRRP reason 06) This reason is used to nullify a policy when an application was submitted and a policy issued on a property not eligible for coverage. A clear and precise explanation must be included when submitting this type of cancellation request. Examples include: -Property not located in a community participating in the NFIP. (The use of an incorrect community number allowed the policy to be issued.) -Contents located in an open building. -Property is located in a Coastal Barrier Resources System (CBRS) area. y Type of Refund: Full y Years Eligible for Refund: No limit, back to policy inception y Cancellation Request: Must be received within 1 year of the policy expiration date y Documentation: Tax records, Section 1316 declaration, or CBRA determination, as appropriate, or photographs showing ineligibility 7. Property Closing Did Not Occur. (TRRP reason 08) This reason is used to nullify a policy when a policy is issued for a closing at the time of settlement on a property and the transfer of the property does not take place. The client does not actually acquire an insurable interest in the property. y Type of Refund: Full y Years Eligible for Refund: Current year y Cancellation Request: Must be received during the policy year y Documentation: Statement from title company, lender, or attorney representing the interests of title company, lender, or insured, that the property closing did not occur 8. Policy Not Required by Mortgagee. (TRRP reason 50) This provides a means to cancel a policy when coverage was required by the mortgagee for a closing and it was later determined that the property was not located in a Special Flood Hazard Area (SFHA). As a result, coverage was not required by the mortgagee. The mortgagee’s statement to this effect must be attached to the Cancellation/Nullification Request Form. This cancellation reason can be used only if the cancellation request was made during the initial policy term. The cancellation effective date is the date the cancellation request is received by the writing company. A revised determination from the lender may be used to cancel the policy. A FEMA Out-As-Shown Determination, as a result of a LOMA application, is needed if there is a discrepancy between the lender’s and the insured’s determinations. NOTE: This cancellation reason may be used even if the policy was written as being in a non-SFHA. y Type of Refund: Pro Rata y Years Eligible for Refund: Current year y Cancellation Request: Must be received during the policy year y Documentation: Copy of original mandatory purchase document and current mortgagee statement that policy is not required; a revised determination from the lender showing that the building is not in an SFHA. 9. Insurance No Longer Required by Mortgagee Because Property Is No Longer Located in a Special Flood Hazard Area Because of a Physical Map Revision. (TRRP reason 09) Flood insurance was initially required by the mortgagee or other lender because the property was determined to be in an SFHA. Following the physical revision of a map, if the property is no longer located in an SFHA, then the policy may be canceled CN 3 May 1, 2005 provided the mortgagee confirms in writing that the insurance is no longer required because the property was removed from the SFHA. NOTE: RCBAP policies require a release from the mortgagee of every unit owner in the association or a statement of the unit owner, if no mortgagee. Only after this requirement is met can the policy be canceled. The condominium association must provide a signed letter that lists the number of units and specifies the owner of each unit. y Type of Refund: Full y Years Eligible for Refund: Current year and for an additional policy year in those cases where the insured had been required to renew the policy during the 6-month period when a revised map was being reprinted, provided no claim has been paid or is pending during the policy year that is being canceled y Cancellation Request: Must be received during the policy year or within 6 months of the policy expiration date y Documentation: Statement from mortgagee that insurance was required as part of mortgage but is no longer required, and a copy of the revised map 10. Condominium Policy (Unit or Association) Converting to RCBAP. (TRRP reason 45) This provides a means to cancel a condominium policy because coverage is being provided under an RCBAP. Duplicate coverage occurs when the unit owner policy and the RCBAP limits are more than the cost of the unit, up to the maximum limits of the Program. y Type of Refund: A pro rata premium refund, including Federal Policy Fee and Probation Surcharge, is provided. y Years Eligible for Refund: Up to 6 years y Cancellation Request: Must be received within 1 year of the policy expiration date .. Documentation: Copy of RCBAP and value of unit 12. Mortgage Paid Off. (TRRP reason 52) This reason is used to cancel a policy that was obtained due to a requirement by a mortgagee or lender as a condition of a mortgage loan, and that mortgage loan has now been paid off, provided no claim has been paid or is pending. y Type of Refund: Pro Rata y Years Eligible for Refund: Current year y Cancellation Request: Must be received within 6 months of the date the mortgage was paid off for the cancellation to be effective on the date of payoff. When the request is received after 6 months, the effective date for cancellation is the receipt date of the request. y Documentation: Statement from mortgagee that mortgage has been paid off and that flood insurance was required as part of mortgage 13. Voidance Prior to Effective Date. (TRRP reason 60) This reason is used when coverage is not mandatory and a policyholder decides during the 30-day waiting period, or prior to the effective date of a renewal, not to take the policy, after submitting a premium payment. y Type of Refund: Full y Years Eligible for Refund: Current year y Cancellation Request: Must be received prior to the policy effective date y Documentation: Policyholder’s request 14. Voidance Due to Credit Card Error. (TRRP reason 70) This reason is used when an error or billing dispute occurs (processing error or fraud) on a credit card payment. y Type of Refund: Full y Years Eligible for Refund: Current year y Cancellation Request: Must be received during the policy year y Documentation: Credit card notice of non-payment CN 4 October 1, 2007 15. Insurance No Longer Required Based on FEMA Review of Lender's Special Flood Hazard Area Determination. (TRRP reason 16) Flood insurance was initially required by the mortgagee or other lender because the property was determined to be in a Special Flood Hazard Area (SFHA). Following a review under the Flood Disaster Protection Act of 1973, as amended, FEMA issued a Letter of Determination Review (LODR) because the building or manufactured home is not in an SFHA and insurance is not required. The policy may be canceled back to inception. This cancellation reason can be used only if the request from the borrower and lender was sent to FEMA for a LODR within 45 days from the lender’s notification to the borrower that the building is in an SFHA and that flood insurance is required. y Type of Refund: Full y Years Eligible for Refund: Current year provided no claim has been paid or is pending y Cancellation Request: Must be received during the policy year or within 6 months of the policy expiration date y Documentation: Copy of FEMA’s Letter of Determination Review, and statement from the lender that flood insurance is not required 16. Duplicate Policies from Sources Other Than the NFIP. (TRRP reason 17) This reason code is used to cancel an NFIP policy when a duplicate policy has been obtained from sources other than the NFIP. y Type of Refund: Pro Rata y Years Eligible for Refund: Current year y Cancellation Request: Must be received within 6 months of the new policy effective date. When the request is received after 6 months, the effective date for cancellation is the receipt date of the request. y Documentation: Copy of declarations page of the new policy and a statement from the mortgagee, if any, accepting the non-NFIP policy as the replacement 18. Mortgage Paid Off on a Mortgage Portfolio Protection Program (MPPP) Policy. (TRRP reason 52) This reason code is used to cancel an MPPP Policy after the mortgage is paid off, provided no claim has been paid or is pending. y Type of Refund: Pro Rata y Years eligible for refund: Current year • Cancellation Request: Must be received within 6 months of the date the mortgage was paid off for the cancellation to be effective on the date of payoff. When the request is received after 6 months, the effective date for cancellation is the receipt date of the request. y Documentation: Statement from mortgagee that mortgage has been paid off and that flood insurance was required as part of mortgage 19. Insurance No Longer Required by the Mortgagee Because the Structure Has Been Removed from the Special Flood Hazard Area (SFHA) by Means of Letter of Map Amendment (LOMA) or Letter of Map Revision (LOMR). (TRRP reason 20) Where flood insurance was required by the mortgagee or other lender because the property was determined to be in an SFHA, and it is later determined that the property is no longer located in an SFHA through the issuance of a LOMA or LOMR, the policy can be canceled provided the lender confirms in writing that the insurance is no longer required because the property was removed from the SFHA. A copy of the LOMA or LOMR must accompany this request. NOTE: RCBAP policies require a release from the mortgagee of every unit owner in the association or a statement of the unit owner, if no mortgagee. Only after this requirement is met can the policy be canceled. The condominium association must provide a signed letter that lists the number of units and the owner of each unit. • Type of Refund: Full CN 5 October 1, 2007 • Years Eligible for Refund: Current year and, if applicable, 1 prior year provided no claim has been paid or is pending during the policy year that is being canceled • Cancellation Request: Must be received during the policy year or within 6 months of the policy expiration date y Documentation: Statement from mortgagee that flood insurance is no longer required because the property was removed from the SFHA, and a copy of the LOMA/LOMR; OR, in the case of multi-property LOMAs or LOMRs that do not list the property’s specific building, street address, lot number, or rural address, any of the following and a copy of the LOMA/LOMR: - A letter that an insured received from their community official stating that their structure was removed from the SFHA by a multi-property LOMR or LOMA. - A letter from the applicable community official, on official letterhead, stating that the building was included in the area removed from the SFHA by the multi-property LOMR or LOMA, which listed only boundaries/intersections of streets, lot numbers, or rural addresses. -In cases, and only in cases, where (1) a community official could not or would not provide a letter, or (2) the structure has a rural address, the following set of two documents may be submitted: ¾ A copy of a legal notice, such as a real estate assessment notice or a water/sewer notice, that shows the lot number, street or rural address, or other legal designation of the location of the structure, and .. A letter from the mortgage lender that (1) shows the lot number, street or rural address, or other legal designation of the location of the structure, and that (2) states that the structure was within the boundaries of the area removed from the SFHA by the LOMR or LOMA. Letters from community officials must match the street address and lot number with a specific multi-property LOMR or LOMA, stating that the individual building street address, lot number, or rural address (e.g., RR, Box #, Hwy) was included in the area covered by the LOMR or LOMA. The NFIP Servicing Agent and the WYO Companies may accept zone determinations in lieu of the documentation cited above for these situations. 20. Policy Was Written to the Wrong Facility (Repetitive Loss Target Group). (TRRP reason 21) This reason is used to cancel a policy flat when coverage was inadvertently written to the wrong facility on those structures that were identified as part of the Repetitive Loss Target Group. The cancellation effective date must be the same as the policy effective date. y Type of Refund: Full y Years Eligible for Refund: Current year y Cancellation Request: Must be received during the policy year y Documentation: Report provided by the NFIP Bureau and Statistical Agent identifying the building as a Severe Repetitive Loss Property 21. Other: Continuous Lake Flooding or Closed Basin Lakes. (TRRP reason 10) This cancellation code is used for continuous lake flooding or closed basin lakes. The cancellation can be for only one term of a policy. The cancellation effective date must be after the date of loss. y Type of Refund: No refund allowed y Years Eligible for Refund: N/A y Cancellation Request: N/A y Documentation: FEMA notification CN 6 October 1, 2007 22. Cancel/Rewrite Due to Misrating. (TRRP reason 22) This reason code is used when ineligible PRPs or MPPP policies are canceled and rewritten within the same company and when changes are made due to system constraints. The code should also be used to cancel a standard policy that is eligible for a PRP. Refunds resulting from the cancellation must be applied to the rewritten policy prior to any refund being generated. Use rollover indicator “Z” to report the new policy. y Type of Refund: Full y Years Eligible for Refund: Up to 6 years y Cancellation Request: N/A y Documentation: LOMA, LOMR, zone determination, copy of map, etc. 23. Fraud. (TRRP reason 23) This reason code is used when fraud has been determined by FEMA. No premium refund is allowed with this reason code. The agent will retain the full commission, and the company’s expense allowance will not be reduced. y Type of Refund: No refund allowed y Years Eligible for Refund: N/A y Cancellation Request: N/A y Documentation: FEMA notification 24. Cancel/Rewrite Due to Map Revision, LOMA, or LOMR. (TRRP reason 24) Effective February 1, 2005, this reason code is used to cancel and rewrite a standard flood insurance policy to a PRP within the same company as the result of a map revision, LOMA, or LOMR. The standard policy will be canceled and rewritten as a PRP as of inception. Use New/Renewal Indicator ‘Z’ to report the new policy. Premium from the canceled policy will be applied to the PRP with the difference refunded to the policyholder. No 30-day waiting period will apply to the PRP. The agent will retain the full commission, and the company’s expense allowance will not be reduced. This rule applies to the current policy year and one prior year provided that the effective date of the map revision or LOMA/LOMR occurred during the prior year. y Type of Refund: Full y Years Eligible for Refund: 2 y Cancellation Request: Must be received during the policy year or within 6 months of the policy expiration date y Documentation: Copy of revised map, LOMA, or LOMR. II. COMPLETING THE CANCELLATION/ NULLIFICATION REQUEST FORM A. Current Policy Number In the upper right corner of the form, enter the NFIP policy number. B. Policy Term Enter the policy term and the cancellation effective date. C. Agent Information Enter the complete name, mailing address, phone number, and fax number of the producer. D. Insured Mail Address Enter the complete name, mailing address, and phone number of the insured. If the insured has moved to a new location, enter the new mailing address. E. First Mortgagee Enter the complete name, mailing address, phone number, and fax number of the first mortgagee. F. Other Parties Notified Enter the complete name and mailing address of all other interested parties who are to be notified, such as any additional insured, the second mortgagee, the loss payee, trustee, or disaster assistance agency. G. Property Location Enter the location of the insured property. CN 7 October 1, 2007 H. Cancellation Reason Code Check the reason for cancellation of the policy and provide any additional information required. I. Refund Check the appropriate box to indicate to whom the refund is to be made payable. When a Cancellation/Nullification Request Form is received that directs the NFIP to make a premium refund to the PAYOR and the policy has been endorsed showing the PAYOR as a WYO Company or agency, the NFIP will make the refund payable to the insured and mail the refund in care of the producer. Check the appropriate box to indicate to whom the refund should be mailed. J. Signature The insured must sign and date the Cancellation/Nullification Request Form for all cancellation reason codes except 5 and 6. The producer must sign, date, and enter a Tax I.D. Number or Social Security Number in every case. After completing the form, attach all required supporting documents and mail the original to the NFIP. The producer should retain the second copy, give the third copy to the insured, and the fourth copy to the mortgagee. After processing the Cancellation/Nullification Request Form, the NFIP will send the producer, mortgagee, and insured a notice of cancellation. CN 8 October 1, 2007 Processing Outcomes for Cancellation/Nullification of a Flood Insurance Policy CN 9 October 1, 2007 Reason Code for Cancellation/ Nullification (with TRRP Code) PREMIUM REFUND FEDERAL POLICY FEE AND PROBATION SURCHARGE PRODUCER COMMISSION (Direct Business Only) Full Pro Rata Full Refund Pro Rata Fully Earned Full Deduction Pro Rata Retained 1 (01) 9 9 .. 2 (02) 9 9 .. 3 (03) 9 9 .. 4 (04) 9 9 .. 5 (05) 9 9 .. 6 (06) 9 9 .. 7 (08) 9 9 .. 8 (50) 9 9 .. 9 (09) 9 9 .. 10 (45) 9 9 .. 12 (52) 9 9 .. 13 (60) 9 9 .. 14 (70) 9 9 .. 15 (16) 9 9 .. 16 (17) 9 9 .. 18 (52) 9 9 .. 19 (20) 9 9 .. 20 (21) 9 9 .. 21 (10) NO REFUND ALLOWED 9 .. 22 (22) 9 9 .. 23 (23) NO REFUND ALLOWED 9 .. 24 (24) 9 9 .. CN 10 October 1, 2007 CN 11 October 1, 2007 • 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 CL 3 May 1, 2007 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 NFIP policy will pay a qualified policyholder up to $30,000 of Increased Cost of Compliance (ICC) benefits to bring a flood-damaged, insured building into compliance with state or local floodplain management laws or ordinances. To adequately advise clients at policy inception, and to assist them in the event of a claim, the producer should become familiar with ICC. CL 4 October 1, 2007 He or she can do this by attending an NFIP Agent Workshop. Workshop details and links to other training opportunities are available online at http://www.fema.gov/business/nfip/trainagt.shtm. More information about ICC can be found in the POL section of this manual (see III.D., Coverage D – Increased Cost of Compliance, in any of the policy forms) and online in NFIP brochures F-300 and F-663 (http://www.fema.gov/business/nfip/libfacts.shtm). CL 5 October 1, 2007 alpha designation. All the area within the boundaries indicated for a zone carries that one zone designation. • Base Flood Elevations in SFHA zones (A1A30 [or AE], AH, V1-V30 [or VE]) are shown within wavy lines. In some SFHA zones, where the BFE does not vary within the entire zone, the BFE is indicated in parentheses. If required by terrain, a BFE for the property may be interpolated using the closest BFE indicators. In this case, it is important to document the finding. IV. CHANGING OR CORRECTING A FLOOD MAP There are three procedures: A. Letter of Map Amendment (LOMA) If the applicant/insured believes that the requirement to purchase flood insurance was made in error and there is evidence that the building is not in the Special Flood Hazard Area (SFHA) on the effective Flood Insurance Rate Map (FIRM), the applicant/insured may apply for a Letter of Map Amendment (LOMA). A LOMA is a determination made by the Federal Emergency Management Agency (FEMA) for property and/or building as to whether it is located within the SFHA. LOMA determinations are based on the following: • Comparing the location of the property to the SFHA. • Comparing the elevation of the property to the 1-percent-annual-chance flood elevation. If, after plotting the location on the FIRM, the FEMA examiner finds that the property and/or building is not shown in the SFHA, then the Determination will be "Out As Shown," rather than "Removed." The FEMA Out-As-Shown Determination will state that the property or building is correctly shown outside the SFHA and, therefore, the mandatory flood insurance requirement does not apply. An Out-As-Shown Determination does not require elevations. The minimum requirements to make an Out-As-Shown Determination are as follows: • A photocopy of the FIRM panel (including the title block) that shows the area in which the property is located. • Section A of the MT-EZ form, which is found in the MT-EZ application package and can be obtained from the FEMA web site at www.fema.gov/plan/prevent/fhm/dl_mt ez.shtm, or by calling the toll-free number listed below. • A copy of the subdivision Plat Map of the area, showing the recordation data (i.e., Book/Volume and Page numbers) and containing the recorder's seal. OR • A copy of the deed for the property, showing the recordation information (i.e., Book/ Volume and Page numbers) and containing the recorder's seal, accompanied by a tax assessor's or other suitable map showing the surveyed location of the property and at least two street intersections that are also shown on FEMA's FIRM. In some cases, additional information may be required to make a determination. Questions about LOMAs may be directed to the FEMA Map Assistance Center toll-free information line at 1-877-FEMA-MAP (1-877336-2627). B. Letter of Map Revision (LOMR) A LOMR is an official revision to the currently effective FEMA map. It is used to change flood zones, floodplain and floodway delineations, flood elevations, and planimetric features. All requests for LOMRs must be made to FEMA through the chief executive officer of the community, since it is the community that must adopt any changes and revisions to the map. A LOMR is usually followed by a physical map revision. C. Physical Map Revision A physical map revision is an official republication of a map to effect changes to flood insurance zones, floodplain delineations, flood elevations, floodways, and planimetric features. The community's chief executive officer can submit scientific and technical data to FEMA to support the request for a map revision. The data will be analyzed, and the map will be revised if warranted. NOTE: To verify past rating determinations and to establish floodplain management compliance requirements, old maps should be retained. MAP 3 October 1, 2007 V. ORDERING FLOOD MAPS Flood maps and related products may be ordered by writing to the FEMA Map Service Center (MSC) at P.O. Box 1038, Jessup, MD 20794-1038. Orders also may be placed by calling the MSC's toll-free number, 1-800-3589616, from 8:00 a.m. to 8:00 p.m., Monday through Friday. Information about flood maps and other products also is available at the Map Service Center web site (http://msc.fema.gov). Visitors to the site now can download and print free “FIRMettes”—userselected portions of official FEMA Flood Insurance Rate Maps. Regular visitors may set up accounts to order and pay for fee-based products online. The MSC distributes Flood Hazard Boundary Maps (FHBMs), Flood Insurance Rate Maps (FIRMs), and Flood Insurance Studies (FIS) in hardcopy format. Digital flood data, known as Q3, are available on CD ROM for approximately 900 counties nationwide. The Q3 data require GIS software for use. Call the MSC at 1-800358-9616 for Q3 information for specific areas. A. Ordering Instructions Z-fold maps may be ordered by community number and panel number. Flat map orders require a 6-digit community number. When ordering maps, be sure to identify specific map panels needed. B. Prices There is a $3.00 charge for each map panel, including index maps, plus shipping. Q3 data are $50 per CD-ROM. Federal, state, and local governments are exempt from the fees for hardcopy maps. However, government entities must pay for Q3 CD-ROMs. A chart showing MSC products, services, and fees is provided on pages MAP 5-6. Orders must be prepaid, and all sales are final. Overpayments of less than $3 are not refunded. The MSC accepts VISA, MasterCard, American Express, Discover, and Diners Club; deposit accounts (see C., following); and checks. Credit card and deposit account orders can be faxed to 1-800-358-9620. Checks should be made payable to "NFIP" and mailed to the address above. C. Map Revisions To automatically receive map revisions, an account must be set up by either check or credit card. Accounts are established with a check of $100 minimum. The check should be sent to the MSC at the address above, along with a list of the required map areas. As the revised maps become available, they will be sent automatically, and appropriate fees will be deducted from the deposit account. Revised map information also may be obtained from the Flood Map Status Information Service (FMSIS) or the Community Status Book. For more information, call MSC at 1-800-358-9616. MAP 4 October 1, 2007 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 040061 040020 040028 040044 040045 040067 040037 040048 040058 040066 040051 040073 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 Dewey-Humboldt, Town of 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 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 10/1/07 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 10/1/98 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 10/1/07 10/1/92 10/1/91 10/1/91 10/1/04 04/1/00 10/1/05 10/1/07 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 10/1/07 10/1/07 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 8 8 6 8 10 9 9 9 7 10 7 9 9 9 7 8 9 8 9 9 10 10 8 8 7 8 8 9 8 8 7 10 8 8 8 5 10 8 9 6 5 0 10 10 20 10 0 5 5 5 15 0 15 5 5 5 15 10 5 10 5 5 0 0 10 10 15 10 10 5 10 10 15 0 10 10 10 25 0 10 5 20 25 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 5 0 5 5 5 10 0 5 5 10 10 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 C R 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 2 October 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) 040098 Prescott, City of 10/1/91 10/1/01 8 10 5 C 040090 Santa Cruz County 10/1/03 10/1/03 7 15 5 C 045012 Scottsdale, City of 10/1/91 10/1/07 6 20 10 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 10/1/07 6 20 10 C 040056 Wickenburg, Town of 10/1/92 10/1/07 10 0 0 R 040031 Winkelman, Town of 10/1/91 10/1/95 10 0 0 R 040093 Yavapai County 10/1/91 10/1/07 7 15 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 060048 Fresno, City of 10/1/92 10/1/07 8 10 5 C 065029 Fresno County 10/1/91 10/1/07 8 10 5 C 060340 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 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded CRS 3 October 1, 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 060136 060341 060137 065043 060344 060735 060195 065074 060346 060347 060751 060207 060227 060178 060294 060228 060212 060257 060348 060379 060239 060034 060012 060360 060279 060035 060243 060266 060262 060202 060284 060299 060349 060231 060013 060310 060710 060331 060350 060337 060729 060355 060421 060631 060375 060302 060352 California (continued) Long Beach, City of Los Altos, City of Los Angeles, City of Los Angeles County 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, City of Orange County Palm Springs, City of Palo Alto, City of Petaluma, City of Placer County Pleasant Hill, City of Pleasanton, City ofRedding, City of Redlands, City of Richmond, City of Roseville, City of Sacramento, City ofSacramento County Salinas, 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 10/1/93 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 10/1/92 10/1/91 10/1/92 10/1/91 10/1/91 10/1/91 05/1/03 10/1/92 10/1/96 10/1/07 10/1/95 10/1/92 10/1/91 10/1/92 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 10/1/96 10/1/05 10/1/96 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 10/1/92 05/1/02 10/1/00 10/1/01 10/1/96 10/1/07 05/1/03 10/1/97 10/1/01 10/1/07 10/1/95 10/1/06 10/1/96 10/1/02 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 10/1/07 10/1/01 05/1/02 10/1/93 10/1/07 10/1/92 10/1/97 05/1/03 7 8 7 8 6 9 5 8 7 8 9 8 8 8 8 9 7 8 7 6 8 8 8 6 9 9 1 6 5 7 10 6 7 8 8 8 8 6 8 7 9 7 9 7 10 8 7 15 10 15 10 20 5 25 10 15 10 5 10 10 10 10 5 15 10 15 20 10 10 10 20 5 5 45 20 25 15 0 20 15 10 10 10 10 20 10 15 5 15 5 15 0 10 15 5 5 5 5 10 5 10 5 5 5 5 5 5 5 5 5 5 5 5 10 5 5 5 10 5 5 10 10 10 5 0 10 5 5 5 5 5 10 5 5 5 5 5 5 0 5 5 C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C R C C C C C C C C C C C C C R C C 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded CRS 4 October 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 060400 060373 065070 060357 060238 060396 060427 080001 080010 080009 080011 080273 085072 080002 080024 080023 080130 080068 080013 080060 080043 080046 080049 080099 080059 085074 080102 080061 080067 080245 080090 080062 080080 080078 080087 085075 080101 080017 080027 085076 080063 080115 080064 080092 080065 California (continued) Tehema, City of Vacaville, City of Walnut Creek, City of Watsonville, City ofYorba Linda, City of Yuba City, City ofYuba County Colorado Adams County Alamosa, City ofAlamosa County Arapahoe County Archuleta County Arvada, City of Aurora, City of Boulder, City ofBoulder County Brush, 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, City of Gunnison County 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 10/1/03 10/1/95 10/1/91 10/1/92 10/1/93 10/1/07 10/1/03 10/1/93 10/1/91 10/1/96 10/1/91 10/1/92 10/1/91 10/1/92 10/1/92 10/1/91 10/1/94 10/1/92 10/1/96 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 10/1/95 10/1/94 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 10/1/03 10/1/00 04/1/01 10/1/02 10/1/04 10/1/07 10/1/03 10/1/03 10/1/91 10/1/96 10/1/92 10/1/98 05/1/06 10/1/97 10/1/97 10/1/06 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 10/1/95 10/1/94 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 7 8 7 7 10 8 8 10 9 9 8 10 6 8 8 7 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 15 10 15 15 0 10 10 0 5 5 10 0 20 10 10 15 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 5 5 5 5 0 5 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 C C C C R C C R C C C R C C C C C C C C C C C C C C C C C C C C C C C C R C C C C C C C C 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded CRS 5 October 1, 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 080310 080287 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 100051 120001 120290 125087 120180 120075 120193 120676 120419 120636 Colorado (continued) Parker, Town of Pitkin County 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 ofSouth Bethany, Town of Florida 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 10/1/92 10/1/92 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 10/1/07 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 05/1/07 10/1/97 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 10/1/07 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 10/1/07 10/1/06 10/1/96 10/1/07 10/1/07 10/1/05 10/1/94 05/1/05 10/1/01 10/1/97 6 8 10 10 9 9 8 7 7 6 7 10 8 9 10 9 10 7 9 9 8 9 8 8 8 9 8 7 8 9 8 7 8 5 7 8 8 7 8 8 20 10 0 0 5 5 10 15 15 20 15 0 10 5 0 5 0 15 5 5 10 5 10 10 10 5 10 15 10 5 10 15 10 25 15 10 10 15 10 10 10 5 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 10 5 5 5 5 5 5 C C 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 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, 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 120004 120637 125089 120195 120680 120196 120155 125091 125092 125093 120005 125094 125095 120090 120061 120063 120064 125096 120198 120020 125097 120031 120067 120070 120032 120639 120033 120034 120035 125099 125100 125101 125102 125158 125103 120308 120080 120146 120120 120172 120087 125105 125106 120673 120286 120174 120088 Florida (continued) Bay County Bay Harbor Islands, Town of Belleair Beach, City of Boca Raton, City of Bonita Springs, City of Boynton Beach, City of Bradenton, City ofBradenton Beach, City of Brevard 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, City of Cocoa Beach, 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, City of Daytona Beach Shores, 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 10/1/93 10/1/94 10/1/92 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 10/1/94 10/1/92 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 10/1/05 10/1/99 10/1/01 10/1/94 05/1/06 10/1/93 10/1/00 10/1/05 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 05/1/03 05/1/07 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 7 7 7 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 15 15 15 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 5 5 5 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 C C C 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 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded CRS 7 October 1, 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 125107 120200 120642 120275 120098 125109 125108 125110 120103 120107 120110 120643 125111 120111 120040 120112 125112 125113 125114 120645 120207 120119 120121 125117 125118 120125 120077 120078 120331 120208 125119 120162 120245 120648 125121 120168 120190 120211 120421 120212 120213 120267 120214 125122 125123 120044 120169 Florida (continued) Gainesville, City of Glen Ridge, Town of 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, City ofJacksonville Beach, City of Jefferson County Juno Beach, Town of Jupiter, Town of Jupiter Island, Town of Kenneth City, Town ofKey Biscayne, Village 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 10/1/92 10/1/94 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 10/1/91 10/1/92 10/1/96 10/1/93 10/1/94 10/1/95 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 10/1/06 10/1/06 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 10/1/07 10/1/94 10/1/07 05/1/06 05/1/06 10/1/96 10/1/07 10/1/95 10/1/93 10/1/05 05/1/07 10/1/02 10/1/02 10/1/96 10/1/07 10/1/00 10/1/00 05/1/06 10/1/07 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 7 10 10 9 8 8 7 7 10 8 7 8 9 8 9 5 9 7 7 8 8 6 8 8 6 8 7 8 9 5 7 8 8 7 8 10 8 9 8 9 9 8 9 7 8 9 8 15 0 0 5 10 10 15 15 0 10 15 10 5 10 5 25 5 15 15 10 10 20 10 10 20 10 15 10 5 25 15 10 10 15 10 0 10 5 10 5 5 10 5 15 10 5 10 5 0 0 5 5 5 5 5 0 5 5 5 5 5 5 10 5 5 5 5 5 10 5 5 10 5 5 5 5 10 5 5 5 5 5 0 5 5 5 5 5 5 5 5 5 5 5 C R 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 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded CRS 8 October 1, 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 125124 120145 125125 125126 120292 120009 125127 120149 120215 120153 120216 120426 120047 120160 120161 120337 120025 120650 120635 120651 120686 120652 120276 120048 125129 125130 120079 120232 125132 120338 120049 120655 120656 120217 120279 125133 120050 120330 125134 120173 120177 120250 120179 120186 125136 120189 Florida (continued) Lee County 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 Mary Esther, City of Melbourne, City of Miami, City of Miami-Dade County Miami Beach, City of Miami Lakes, Town of Miami Shores Village, Village of Milton, City of 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, City of North Miami Beach, 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 10/1/91 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 10/1/07 10/1/93 10/1/94 10/1/94 10/1/96 10/1/06 10/1/00 10/1/07 10/1/93 10/1/91 10/1/92 10/1/94 10/1/93 10/1/91 10/1/93 10/1/93 10/1/94 10/1/93 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 10/1/07 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 10/1/07 10/1/03 10/1/99 10/1/03 10/1/01 10/1/06 10/1/00 10/1/07 10/1/94 05/1/97 10/1/02 10/1/04 10/1/07 10/1/00 04/1/98 10/1/93 10/1/01 10/1/98 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 5 8 8 6 9 8 8 8 9 6 9 6 8 9 7 8 8 8 5 7 6 8 8 8 10 6 8 7 7 8 9 5 8 8 7 8 8 8 8 6 8 6 6 8 7 7 25 10 10 20 5 10 10 10 5 20 5 20 10 5 15 10 10 10 25 15 20 10 10 10 0 20 10 15 15 10 5 25 10 10 15 10 10 10 10 20 10 20 20 10 15 15 10 5 5 10 5 5 5 5 5 10 5 10 5 5 5 5 5 5 10 5 10 5 5 5 0 10 5 5 5 5 5 10 5 5 5 5 5 5 5 10 5 10 10 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 R C C C C C C C C C C C C C C C C C C C C C 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded CRS 9 October 1, 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) 120404 Palm Bay, City of 10/1/93 10/1/07 7 15 5 C 120220 Palm Beach, Town of 10/1/92 10/1/02 7 15 5 C 120192 Palm Beach County 10/1/91 10/1/06 6 20 10 C 120221 Palm Beach Gardens, City of 10/1/03 10/1/06 8 10 5 C 125137 Palm Beach Shores, Town of 10/1/94 10/1/94 9 5 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 10/1/07 7 15 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 10/1/07 7 15 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 125150 Sarasota, City of 10/1/91 10/1/96 7 15 5 C 125144 Sarasota County 10/1/92 05/1/07 5 25 10 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 125145 St. Augustine, City of 10/1/92 10/1/97 8 10 5 C 125146 St. Augustine Beach, City of 10/1/93 10/1/96 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 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded CRS 10 October 1, 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 120285 120316 125149 125148 120296 120688 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 130306 130098 130432 130431 135160 Florida (continued) St. Lucie County St. Marks, Town of St. Pete Beach, City of St. Petersburg, City of Sumter County Sunny Isles Beach, City of 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 Douglas County Duluth, City of Fayette County Fayetteville, City of Fulton County 10/1/94 10/1/93 10/1/91 10/1/92 10/1/95 10/1/07 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 10/1/95 10/1/97 05/1/04 05/1/06 04/1/00 10/1/96 10/1/93 10/1/92 05/1/02 05/1/97 10/1/07 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 10/1/00 10/1/97 05/1/04 05/1/06 04/1/00 8 9 8 7 8 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 8 9 7 8 9 10 5 10 15 10 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 10 5 15 10 5 5 5 5 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 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 C C C C C 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded CRS 11 October 1, 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 130092 130322 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 Georgia (continued) Glynn County Gwinnett County 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 10/1/92 10/1/94 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 10/1/96 05/1/04 05/1/06 10/1/96 10/1/03 10/1/95 10/1/96 10/1/98 10/1/07 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 10/1/07 10/1/07 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 8 8 6 10 7 8 7 8 7 10 9 8 7 8 8 6 9 9 6 8 8 8 9 9 6 8 8 7 8 9 8 9 7 8 7 7 6 9 8 8 10 10 20 0 15 10 15 10 15 0 5 10 15 10 10 20 5 5 20 10 10 10 5 5 20 10 10 15 10 5 10 5 15 10 15 15 20 5 10 10 5 5 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 C C 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 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, 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 Illinois (continued) 170361 Deerfield, Village of 10/1/95 10/1/05 7 15 5 C 170182 DeKalb, City of 05/1/05 05/1/05 8 10 5 C 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 170687 Whiteside County 10/1/07 10/1/07 8 10 5 C 170222 Willowbrook, Village of 10/1/91 10/1/02 6 20 10 C 170224 Wood Dale, City of 10/1/99 10/1/04 5 25 10 C Indiana 180302 Allen County 10/1/02 10/1/02 9 5 5 C 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 180159 Indianapolis, City of 10/1/07 10/1/07 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 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded CRS 13 October 1, 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 180465 180122 180256 180263 190169 190242 190227 200250 200095 200096 200090 200215 200201 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 Indiana (continued) North Webster, City of Syracuse, City of Vanderburgh County Vigo County Iowa Coralville, City of Davenport, City of Des Moines, City of Kansas Carbondale, City ofEllis, City of Hayes, City of Lawrence, City ofLindsborg, City of Lyon County 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 10/1/97 10/1/97 04/1/99 10/1/95 10/1/92 10/1/95 10/1/91 10/1/92 10/1/07 10/1/92 10/1/04 10/1/92 10/1/07 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 10/1/97 10/1/97 04/1/99 10/1/05 10/1/96 10/1/00 10/1/02 10/1/96 10/1/07 10/1/03 10/1/04 10/1/92 10/1/07 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 10/1/07 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 9 9 8 10 10 8 7 10 9 10 8 9 9 9 10 8 10 10 10 7 10 8 9 10 9 10 6 7 6 8 8 9 9 9 9 9 9 7 10 5 5 10 0 0 10 15 0 5 0 10 5 5 5 0 10 0 0 0 15 0 10 5 0 5 0 20 15 20 10 10 5 5 5 5 5 5 15 0 5 5 5 0 0 5 5 0 5 0 5 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 C C C R R C C R C R C 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 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, 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 220013 225193 220033 220361 220037 220200 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 220094 220061 230191 230208 230001 230043 230116 Louisiana Ascension Parish Baker, City of Bossier City, City of Caddo Parish Calcasieu Parish Covington, City of 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 Westwego, City ofZachary, City of Maine Alfred, Town of Arrowsic, Town of Auburn, City of Cape Elizabeth, Town of Dover-Foxcroft, Town of 10/1/92 10/1/91 10/1/92 10/1/95 10/1/91 10/1/95 10/1/91 10/1/95 10/1/91 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 10/1/07 10/1/92 10/1/91 10/1/93 10/1/92 10/1/94 10/1/07 10/1/04 10/1/91 05/1/05 10/1/07 10/1/07 10/1/96 10/1/91 10/1/95 10/1/94 10/1/07 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 10/1/07 10/1/97 10/1/94 10/1/92 10/1/96 10/1/04 10/1/92 10/1/96 10/1/07 10/1/07 10/1/93 10/1/93 10/1/92 10/1/94 10/1/07 8 9 8 8 8 10 9 9 7 9 9 8 8 7 8 10 9 9 9 8 9 8 8 9 10 9 9 8 9 9 8 8 9 9 9 8 9 8 8 8 8 9 9 9 9 10 5 10 10 10 0 5 5 15 5 5 10 10 15 10 0 5 5 5 10 5 10 10 5 0 5 5 10 5 5 10 10 5 5 5 10 5 10 10 10 10 5 5 5 5 5 5 5 5 5 0 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 C C C C C R 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 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, 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 230057 230018 230209 230069 230004 230178 230632 230153 230112 230120 230051 230155 230128 230157 230293 230158 230159 240042 240011 240130 240015 240040 240044 240012 245207 245208 250286 250233 250004 250082 250008 250085 250273 250167 250060 250010 250278 255219 250282 250218 250349 Maine (continued) Farmington, Town of Fort Fairfield, Town of Georgetown, Town ofHallowell, City of Lewiston, City of Norridgewock, City of Ogunquit, Town of Old Orchard Beach, Town of Old Town, City of 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 Carroll County Harford County Howard 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 10/1/94 10/1/02 10/1/01 10/1/96 10/1/93 10/1/97 10/1/92 10/1/93 10/1/05 10/1/93 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 10/1/07 10/1/91 10/1/07 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 10/1/94 10/1/02 10/1/01 10/1/96 05/1/97 10/1/07 05/1/03 10/1/93 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 10/1/07 10/1/00 10/1/07 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 9 8 9 9 8 10 8 9 8 9 8 8 8 8 9 9 8 8 10 9 8 7 8 8 7 5 10 8 8 10 9 9 8 8 9 9 9 7 9 9 9 5 10 5 5 10 0 10 5 10 5 10 10 10 10 5 5 10 10 0 5 10 15 10 10 15 25 0 10 10 0 5 5 10 10 5 5 5 15 5 5 5 5 5 5 5 5 0 5 5 5 5 5 5 5 5 5 5 5 5 0 5 5 5 5 5 5 10 0 5 5 0 5 5 5 5 5 5 5 5 5 5 5 C C C C C R C C C C C C C C C C C C R C C C C C C C R C 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 16 October 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 260142 260473 260221 260172 260657 260226 260118 260150 260140 260175 260185 260577 260190 260305 260128 260243 260728 260503 260208 260285 275228 275236 275240 270307 275246 270729 285251 285252 280016 280366 280332 280179 285253 285255 280053 280070 280072 285257 280229 280096 285259 285260 Michigan Bedford, Township of Commerce, Township of Dearborn Heights, City of Farmington Hills, City of Fraser, Township of Gibraltar, City of Hamburg, Township of Luna Pier, City of Midland, City of Novi, City of 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 ofD’lberville, City of Gautier, 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 Pascagoula, City of05/1/02 05/1/03 10/1/92 10/1/94 05/1/03 10/1/92 10/1/99 05/1/02 10/1/92 10/1/99 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 10/1/07 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 10/1/07 05/1/02 05/1/03 10/1/92 10/1/95 05/1/03 10/1/02 10/1/99 05/1/02 10/1/02 10/1/99 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 10/1/07 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 10/1/07 8 9 9 10 9 8 8 8 6 7 9 8 9 8 7 10 9 9 6 8 5 10 8 8 10 10 7 7 8 7 8 8 8 8 7 9 8 8 8 8 8 7 10 5 5 0 5 10 10 10 20 15 5 10 5 10 15 0 5 5 20 10 25 0 10 10 0 0 15 15 10 15 10 10 10 10 15 5 10 10 10 10 10 15 5 5 5 0 5 5 5 5 10 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 5 5 C C C R C C C C C 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 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, 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 285261 280110 280100 280176 285262 290188 290351 290172 290362 290315 300009 300028 300008 300108 300023 300010 300038 300014 300049 300048 300029 300142 310069 315273 320001 320003 320008 320005 325276 320035 320007 320033 330023 330024 330101 330141 Mississippi (continued) Pass Christian, City of Ridgeland, City ofTupelo, City of Vicksburg, City ofWaveland, City of Missouri Arnold, City of Ferguson, City of Independence,City ofKirkwood, City of St. Charles County Montana Belt, Town of Bozeman, City of Cascade County Circle, Town of Flathead County Great Falls, City of Lewis and Clark County Miles City, City of Missoula, City ofMissoula County Three Forks, Town of Yellowstone County Nebraska Fremont, City of Lincoln, City ofNevada Carson City, City of Clark County Douglas County Henderson, City ofLas Vegas, City of Mesquite, City of North Las Vegas, City of Storey County New Hampshire Keene, City of Marlborough, Town of Peterborough, Town of Rye, Town of 10/1/93 10/1/94 05/1/03 10/1/93 10/1/93 10/1/91 10/1/95 10/1/91 10/1/91 10/1/01 10/1/91 10/1/92 10/1/91 10/1/91 10/1/93 10/1/91 10/1/91 10/1/91 10/1/91 10/1/91 10/1/93 05/1/03 10/1/91 10/1/91 10/1/94 10/1/92 10/1/93 10/1/91 10/1/91 10/1/02 10/1/91 10/1/94 05/1/02 10/1/94 05/1/04 05/1/05 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 05/1/05 10/1/92 05/1/03 04/1/01 10/1/93 10/1/07 10/1/06 10/1/02 10/1/94 05/1/02 05/1/02 10/1/98 05/1/03 10/1/91 05/1/03 04/1/99 10/1/03 10/1/04 10/1/03 10/1/03 05/1/07 10/1/03 10/1/99 05/1/03 10/1/94 05/1/04 05/1/05 6 8 8 7 5 10 10 7 10 7 8 7 8 8 8 8 8 9 8 8 8 8 9 7 8 6 6 6 6 7 6 8 8 9 8 9 20 10 10 15 25 0 0 15 0 15 10 15 10 10 10 10 10 5 10 10 10 10 5 15 10 20 20 20 20 15 20 10 10 5 10 5 10 5 5 5 10 0 0 5 0 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 10 10 10 10 5 10 5 5 5 5 5 C C C C C R 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 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 18 October 1, 2007 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY CURRENT EFFECTIVE CURREN T % DISCOUNT FOR % DISCOUNT FOR STATUS3 DATE DATE CLASS SFHA1 NON-SFHA2 New Hampshire (continued) 330028 Winchester, Town of 05/1/02 05/1/02 9 5 5 C New Jersey 345278 Atlantic City, City of 10/1/92 10/1/00 9 5 5 C 345279 Avalon, Borough of 10/1/96 10/1/07 6 20 10 C 340396 Barnegat, Township of 10/1/92 10/1/97 10 0 0 R 345280 Barnegat Light, Borough of 10/1/92 10/1/01 8 10 5 C 345281 Bay Head, Borough of 10/1/93 10/1/98 8 10 5 C 345282 Beach Haven, Borough of 10/1/91 05/1/04 7 15 5 C 340427 Bedminster, Township of 10/1/96 05/1/07 6 20 10 C 340369 Berkeley, Township of 10/1/92 10/1/94 10 0 0 R 340459 Berkeley Heights, Township of 10/1/94 04/1/99 10 0 0 R 340178 Bloomfield, Township of 10/1/92 10/1/97 10 0 0 R 340289 Bradley Beach, Borough of 10/1/95 10/1/00 7 15 5 C 345286 Brigantine, City of 10/1/92 10/1/01 7 15 5 C 345287 Burlington, City of 04/1/98 10/1/03 8 10 5 C 345288 Cape May City, City of 10/1/94 10/1/99 8 10 5 C 345289 Cape May Point, Borough of 10/1/93 10/1/94 7 15 5 C 340031 Englewood, City of 10/1/91 10/1/01 10 0 0 R 340204 Greenwich, Township of 05/1/07 05/1/07 9 5 5 C 340570 Hackensack Meadowlands 10/1/92 10/1/02 8 10 5 C Development Commission 340246 Hamilton, Township of 10/1/92 10/1/02 8 10 5 C 345296 Harvey Cedars, Borough of 10/1/91 10/1/99 8 10 5 C 340376 Lacey, Township of 10/1/92 10/1/93 10 0 0 R 340379 Lavallette, Borough of 05/1/04 05/1/05 8 10 5 C 345300 Lincoln Park, Borough of 10/1/91 10/1/06 10 0 0 R 340467 Linden, City of 10/1/91 10/1/02 8 10 5 C 340046 Little Ferry, Borough of 10/1/93 10/1/94 10 0 0 R 340047 Lodi, Borough of 10/1/92 10/1/93 10 0 0 R 345301 Long Beach, Township of 10/1/92 10/1/99 7 15 5 C 345302 Longport, Borough of 10/1/95 10/1/00 8 10 5 C 345303 Manasquan, Borough of 10/1/92 10/1/98 8 10 5 C 340383 Mantoloking, Borough of 10/1/92 10/1/01 7 15 5 C 345304 Margate City, City of 10/1/92 10/1/99 7 15 5 C 340188 Montclair, Township of 10/1/94 10/1/95 10 0 0 R 340517 Mullica, Township of 10/1/94 10/1/01 9 5 5 C 345307 North Plainfield, City of 10/1/92 10/1/92 9 5 5 C 345308 North Wildwood, City of 10/1/00 10/1/00 7 15 5 C 345309 Oakland, Borough of 10/1/95 10/1/96 10 0 0 R 340518 Ocean, Township of 10/1/95 10/1/95 9 5 5 C 345310 Ocean City, City of 10/1/92 10/1/01 7 15 5 C 340355 Parsippany-Troy Hills, 10/1/91 10/1/91 9 5 5 C Township of 340512 Pennsville, Township of 10/1/92 10/1/97 10 0 0 R 345311 Pequannock, Village of 10/1/91 10/1/97 10 0 0 R 345312 Plainfield, City of 10/1/91 10/1/98 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 19 October 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 New Jersey (continued) 345313 Point Pleasant, Borough of 10/1/93 10/1/93 9 5 5 C 340388 Point Pleasant Beach, 10/1/92 10/1/97 10 0 0 R Borough of 345528 Pompton Lakes, Borough of 10/1/91 10/1/96 10 0 0 R 345314 Rahway, City of 10/1/92 10/1/02 8 10 5 C 340067 Ridgewood, Village of 10/1/92 10/1/02 7 15 5 C 340359 Riverdale, Borough of 10/1/94 10/1/94 9 5 5 C 340070 Rochelle Park, Township of 10/1/06 10/1/06 8 10 5 C 340472 Roselle, Borough of 10/1/92 01/1/98 8 10 5 C 340474 Scotch Plains, Township of 10/1/94 10/1/95 10 0 0 R 345317 Sea Bright, Borough of 10/1/92 10/1/97 10 0 0 R 345318 Sea Isle City, City of 10/1/92 10/1/95 10 0 0 R 345319 Seaside Park, Borough of 10/1/92 10/1/06 8 10 5 C 345320 Ship Bottom, Borough of 10/1/92 10/1/02 8 10 5 C 340329 Spring Lake, Borough of 10/1/94 10/1/99 8 10 5 C 340393 Stafford, Township of 10/1/91 10/1/00 7 15 5 C 345323 Stone Harbor, Borough of 10/1/94 10/1/96 8 10 5 C 345324 Surf City, Borough of 10/1/92 10/1/98 8 10 5 C 345293 Toms River, Township of 10/1/92 10/1/92 9 5 5 C 340395 Tuckerton, Borough of 10/1/93 10/1/98 10 0 0 R 340331 Union Beach, Borough of 10/1/03 10/1/03 8 10 5 C 345326 Ventnor, City of 10/1/92 10/1/99 8 10 5 C 345327 Wayne, Township of 10/1/91 10/1/00 8 10 5 C 345328 West Wildwood, Borough of 10/1/93 10/1/05 10 0 0 R 345330 Wildwood Crest, Borough of 10/1/93 10/1/03 8 10 5 C 345331 Woodbridge, Township of 10/1/92 10/1/97 10 0 0 R New Mexico 350045 Alamogordo, City of 10/1/91 10/1/91 9 5 5 C 350002 Albuquerque, City of 10/1/93 10/1/95 8 10 5 C 350001 Bernalillo County 10/1/93 10/1/93 9 5 5 C 350010 Clovis, City of 10/1/91 10/1/91 9 5 5 C 350012 Dona Ana County 10/1/03 10/1/03 9 5 5 C 350067 Farmington, City of 10/1/91 10/1/91 9 5 5 C 350029 Hobbs, City of 10/1/92 10/1/94 8 10 5 C 355332 Las Cruces, City of 10/1/91 10/1/07 7 15 5 C 350054 Portales, City of 10/1/95 10/1/95 9 5 5 C 350006 Roswell, City of 10/1/92 10/1/92 9 5 5 C New York 360226 Amherst, Town of 10/1/95 05/1/97 8 10 5 C 360147 Ashland, Town of 10/1/91 10/1/91 9 5 5 C 360790 Babylon,Town of 10/1/92 10/1/93 10 0 0 R 360988 Bayville, Village of 10/1/92 10/1/03 8 10 5 C 360148 Big Flats, Town of 10/1/91 10/1/96 8 10 5 C 361342 Brightwaters, Village of 10/1/93 10/1/98 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 20 October 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 New York (continued) 360570 Camillus, Town of 10/1/96 10/1/01 10 0 0 R 361055 Catlin, Town of 10/1/91 10/1/97 10 0 0 R 360149 Chemung, Town of 10/1/91 10/1/91 9 5 5 C 360772 Corning, City of 10/1/91 10/1/91 9 5 5 C 360463 East Rockaway, Village of 10/1/92 10/1/92 9 5 5 C 360150 Elmira, City of 10/1/91 05/1/97 8 10 5 C 360151 Elmira, Town of 10/1/91 10/1/91 9 5 5 C 360774 Erwin, Town of 10/1/91 10/1/91 9 5 5 C 360464 Freeport, Village of 10/1/92 10/1/97 8 10 5 C 360417 Greece, Town of 10/1/92 10/1/92 9 5 5 C 360777 Hornellsville, Town of 10/1/91 10/1/92 10 0 0 R 360153 Horseheads, Town of 10/1/91 10/1/91 9 5 5 C 360154 Horseheads, Village of 10/1/91 10/1/91 9 5 5 C 360308 Ilion, Village of 10/1/00 10/1/00 9 5 5 C 360047 Johnson City, Village of 10/1/91 10/1/91 9 5 5 C 360247 Lackawanna, City of 05/1/03 05/1/03 9 5 5 C 360476 Lawrence, Village of 10/1/92 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 10/1/07 8 10 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 10/1/07 8 10 5 C 370159 Charlotte, City of 10/1/91 05/1/06 5 25 10 C 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded CRS 21 October 1, 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 370263 370037 370072 370443 370076 370078 375348 370085 370062 370047 370190 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 North Carolina (continued) Clinton, City ofConcord, City of Craven County Creswell, Town of Cumberland County Currituck County Dare County Durham County Edenton, Town of Emerald Isle, Town of Farmville, Town of Forsyth County Goldsboro, City of 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 10/1/94 10/1/93 10/1/91 10/1/94 10/1/96 10/1/93 10/1/91 10/1/92 10/1/93 10/1/93 10/1/04 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 10/1/94 10/1/03 10/1/01 10/1/99 10/1/96 10/1/03 10/1/01 10/1/92 10/1/93 10/1/03 10/1/04 10/1/93 05/1/03 10/1/07 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 10/1/07 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 9 8 8 8 9 7 7 9 9 7 8 9 8 7 5 9 8 8 9 8 7 5 6 7 9 7 6 9 8 6 8 10 7 8 7 7 7 9 9 7 6 8 8 7 8 8 10 5 10 10 10 5 15 15 5 5 15 10 5 10 15 25 5 10 10 5 10 15 25 20 15 5 15 20 5 10 20 10 0 15 10 15 15 15 5 5 15 20 10 10 15 10 10 0 5 5 5 5 5 5 5 5 5 5 5 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 C C C C C C C 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 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 22 October 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 370430 370028 370437 375359 370094 370187 370438 370368 370017 370247 370268 370251 370254 370464 370071 370270 375360 370193 375361 385364 385365 390183 390038 390110 390412 390328 390378 390071 390176 390737 390472 390432 390460 390479 390131 390419 400220 400207 400078 400236 North Carolina (continued) 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, City ofWashington County Washington Park, Town of 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, Village of Ottawa County 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 10/1/92 10/1/91 10/1/92 10/1/91 10/1/06 10/1/92 10/1/92 10/1/91 10/1/92 10/1/94 10/1/92 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 10/1/95 10/1/92 10/1/98 10/1/92 10/1/91 05/1/02 10/1/92 10/1/93 10/1/91 10/1/93 10/1/96 10/1/05 10/1/92 10/1/00 10/1/06 10/1/02 10/1/92 10/1/96 10/1/02 10/1/99 10/1/07 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 10/1/95 10/1/92 10/1/98 10/1/92 10/1/91 05/1/02 10/1/02 10/1/98 10/1/93 10/1/03 6 8 9 8 8 6 9 10 8 8 8 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 20 10 5 10 10 20 5 0 10 10 10 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 10 5 5 5 5 10 5 0 5 5 5 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 C C C C C C C R C C C 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 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded CRS 23 October 1, 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 400234 400221 400252 400062 400049 400245 400211 400053 405380 405381 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 410202 410196 420339 Oklahoma (continued) Chickasha, City ofDewey, City of Edmond, City of Enid, City of Lawton, City of Lindsay, City of Sand Springs, City of Sapulpa, City of Stillwater, City of Tulsa, City of Oregon Albany, City of Ashland, City of 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, City of Tillamook County Pennsylvania Bloomsburg, Town of 10/1/92 10/1/92 10/1/93 10/1/93 10/1/91 10/1/92 10/1/91 10/1/92 10/1/91 10/1/91 10/1/91 10/1/91 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 10/1/06 04/1/01 10/1/93 10/1/92 10/1/92 10/1/93 10/1/93 10/1/04 10/1/93 10/1/06 10/1/93 10/1/06 10/1/03 10/1/06 10/1/07 05/1/05 10/1/94 10/1/07 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 10/1/07 10/1/04 05/1/02 10/1/99 10/1/98 05/1/04 10/1/01 10/1/03 05/1/06 10/1/06 04/1/01 10/1/03 9 9 9 9 7 10 6 10 8 2 7 7 9 10 6 7 7 5 7 8 7 8 8 7 6 9 8 7 9 8 5 8 7 8 8 9 8 8 9 8 6 8 5 5 5 5 15 0 20 0 10 40 15 15 5 0 20 15 15 25 15 10 15 10 10 15 20 5 10 15 5 10 25 10 15 10 10 5 10 10 5 10 20 10 5 5 5 5 5 0 10 0 5 10 5 5 5 0 10 5 5 10 5 5 5 5 5 5 10 5 5 5 5 5 10 5 5 5 5 5 5 5 5 5 10 5 C C C C C R 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 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded CRS 24 October 1, 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 422034 420714 421062 421134 420380 420735 420642 420612 420613 420831 420687 422105 421040 425384 421020 420754 420739 421024 421026 425387 421101 420743 420834 420372 420745 421119 420631 445401 445402 445404 440022 450002 450262 450026 450025 455412 455413 450056 455414 450078 455415 450087 Pennsylvania (continued) Chapman, Township of Danville, Borough of Etna, Borough of Granville, Township of Harrisburg,City of Herndon, Borough ofJersey Shore, Borough of Kingston, Borough ofKingston, Township of Lewisburg, Borough of Lewistown, Borough of Limestone, Township of Loyalsock, Township of Milton, Borough of Monroe, Township of Newport, Borough of Northumberland, Borough of Penn, Township of Point, Township of Selinsgrove, Borough of Shaler, Township of Sunbury, City of Union, Township of Upper Allen, Township of Upper Augusta, 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, City of Beaufort County Charleston, City ofCharleston County Colleton County Edisto Beach,Town of Florence, City of Folly Beach, Township of Georgetown, City of10/1/07 10/1/06 10/1/96 10/1/93 10/1/91 10/1/07 10/1/93 10/1/92 10/1/92 10/1/93 10/1/93 10/1/93 10/1/94 10/1/92 10/1/07 10/1/94 10/1/07 10/1/07 10/1/07 10/1/07 10/1/94 10/1/07 10/1/93 10/1/92 10/1/07 10/1/98 10/1/92 10/1/91 10/1/92 10/1/93 10/1/02 10/1/93 10/1/96 10/1/92 10/1/91 10/1/93 10/1/95 05/1/05 10/1/92 10/1/91 10/1/96 10/1/93 10/1/07 10/1/06 05/1/04 10/1/93 05/1/06 10/1/07 10/1/93 10/1/92 04/1/93 10/1/03 10/1/93 10/1/98 04/1/01 10/1/03 10/1/07 10/1/94 10/1/07 10/1/07 10/1/07 10/1/07 10/1/04 10/1/07 10/1/98 10/1/97 10/1/07 10/1/03 10/1/02 04/1/00 10/1/07 10/1/93 10/1/07 10/1/93 10/1/05 10/1/97 10/1/07 05/1/05 10/1/05 05/1/07 10/1/96 10/1/97 10/1/01 10/1/03 9 8 8 9 6 8 9 9 10 8 9 10 10 8 9 9 8 8 8 7 8 8 10 10 8 8 7 8 8 9 10 9 6 8 7 7 5 7 8 8 8 8 5 10 10 5 20 10 5 5 0 10 5 0 0 10 5 5 10 10 10 15 10 10 0 0 10 10 15 10 10 5 0 5 20 10 15 15 25 15 10 10 10 10 5 5 5 5 10 5 5 5 0 5 5 0 0 5 5 5 5 5 5 5 5 5 0 0 5 5 5 5 5 5 0 5 10 5 5 5 10 5 5 5 5 5 C C C C C C C C R C C R R C C C C C C C C C R R 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 25 October 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 450091 450089 450250 455416 450257 450129 450039 450040 455417 450109 450042 450110 450255 450166 450043 450170 450249 450256 455418 450184 450182 465420 470211 470182 470176 475425 470105 475426 470059 470184 475433 475434 470070 470040 470100 475448 485454 480624 481193 South Carolina (continued) Greenville, City of Greenville County 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, City of Sumter County 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 County Ripley, Town of Spring City, Town of Texas Arlington, City of Austin, City of Bastrop County 10/1/91 10/1/93 10/1/91 10/1/94 10/1/96 10/1/91 10/1/00 10/1/96 10/1/94 10/1/91 05/1/03 10/1/91 10/1/05 04/1/99 10/1/96 10/1/95 10/1/98 10/1/95 05/1/04 10/1/92 10/1/92 10/1/92 10/1/93 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 10/1/04 10/1/03 10/1/97 10/1/04 10/1/00 10/1/07 10/1/07 10/1/05 10/1/01 05/1/03 10/1/07 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 10/1/02 10/1/93 10/1/07 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 7 8 6 7 6 8 7 6 8 5 7 7 8 8 6 9 6 6 8 9 9 8 9 8 8 9 10 9 10 10 9 8 10 8 10 10 8 7 8 15 10 20 15 20 10 15 20 10 25 15 15 10 10 20 5 20 20 10 5 5 10 5 10 10 5 0 5 0 0 5 10 0 10 0 0 10 15 10 5 5 10 5 10 5 5 10 5 10 5 5 5 5 10 5 10 10 5 5 5 5 5 5 5 5 0 5 0 0 5 5 0 5 0 0 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 R C R R C C R C R 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 26 October 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 485456 480289 480586 480082 485459 480167 485462 480484 480170 485464 480171 480291 480194 480774 480173 480214 485468 485471 485472 480287 480296 480601 485481 485487 485488 480195 480452 480477 485491 480607 480206 480307 480077 480140 485499 480184 485505 485507 480502 485513 481585 480662 490039 490074 490040 Texas (continued) 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, City of Denton County Duncanville, City of El Paso, City of Friendswood, City of Garland, City of Grand Prairie, City of Harris County Houston, City of Hurst, City of Kemah, City of LaPorte, City of League City, City of Lewisville, City of Lubbock, City of 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 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 10/1/91 10/1/92 10/1/91 10/1/91 10/1/91 10/1/91 10/1/91 05/1/04 05/1/02 10/1/92 10/1/92 10/1/99 10/1/92 10/1/91 10/1/92 10/1/92 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 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 05/1/07 10/1/93 10/1/01 10/1/91 10/1/03 10/1/97 05/1/05 05/1/04 10/1/07 10/1/02 10/1/00 10/1/99 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 10/1/07 10/1/91 10/1/96 05/1/02 6 9 6 9 8 7 9 7 8 9 7 9 6 10 8 9 5 7 7 8 6 8 5 8 9 7 8 8 8 7 8 10 8 6 9 8 7 9 9 8 8 8 9 10 9 20 5 20 5 10 15 5 15 10 5 15 5 20 0 10 5 25 15 15 10 20 10 25 10 5 15 10 10 10 15 10 0 10 20 5 10 15 5 5 10 10 10 5 0 5 10 5 10 5 5 5 5 5 5 5 5 5 10 0 5 5 10 5 5 5 10 5 10 5 5 5 5 5 5 5 5 0 5 10 5 5 5 5 5 5 5 5 5 0 5 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 R 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 27 October 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 490019 490072 490214 490216 490159 490178 490177 490052 500013 500126 505518 510001 515519 515520 510134 510002 515525 510054 510071 510201 510090 510104 510183 515529 510119 510130 510190 510053 510005 510182 530073 530074 530153 530103 530104 530024 530051 530200 530140 530166 Utah (continued) 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 James City County Loudoun County Norfolk, City ofPoquoson, City ofPortsmouth, City ofPrince William County Roanoke, City of Roanoke County 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 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 10/1/92 10/1/92 10/1/92 10/1/92 10/1/96 10/1/96 10/1/91 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 10/1/03 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 10/1/92 05/1/03 10/1/92 10/1/97 10/1/00 10/1/01 05/1/03 10/1/06 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 8 8 8 8 8 9 7 9 9 9 9 8 8 9 8 8 8 8 9 9 10 9 9 9 8 8 8 9 9 9 7 5 6 7 6 7 8 8 7 8 10 10 10 10 10 5 15 5 5 5 5 10 10 5 10 10 10 10 5 5 0 5 5 5 10 10 10 5 5 5 15 25 20 15 20 15 10 10 15 10 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 0 5 5 5 5 5 5 5 5 5 5 10 10 5 10 5 5 5 5 5 C C C C C C C C C C C C C C C C C C C C R C C C C C C C C C C C C C C C C C C C 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded CRS 28 October 1, 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 530079 530071 530156 530102 530316 530169 530158 530085 530138 530088 530151 535534 530090 530173 530204 530188 530193 530198 530217 540199 540065 540004 550001 550612 550128 550578 550022 555562 550085 550487 550310 550107 550108 550537 560037 560030 560013 560029 560085 560044 Washington (continued) 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 Wahkiakum County Whatcom County Yakima County West Virginia Buckhannon, City ofJefferson County Philippi, City of 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 10/1/92 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 10/1/07 10/1/96 10/1/07 05/1/07 10/1/06 05/1/03 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 10/1/02 10/1/07 10/1/97 10/1/99 05/1/05 05/1/06 10/1/07 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 10/1/07 10/1/06 10/1/07 05/1/07 10/1/06 05/1/03 05/1/07 10/1/02 10/1/01 10/1/06 10/1/01 10/1/02 10/1/91 10/1/05 10/1/07 10/1/07 10/1/01 10/1/01 10/1/00 05/1/03 10/1/93 05/1/03 10/1/96 10/1/95 5 2 8 7 7 5 7 6 5 7 5 5 5 8 7 5 8 6 8 8 9 8 8 7 8 6 7 8 9 8 8 7 8 8 9 7 9 8 10 9 25 40 10 15 15 25 15 20 25 15 25 25 25 10 15 25 10 20 10 10 5 10 10 15 10 20 15 10 5 10 10 15 10 10 5 15 5 10 0 5 10 10 5 5 5 10 15 10 10 5 10 10 10 5 5 10 5 10 5 5 5 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 C C C C C C 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 October 1, 2007 GUIDANCE FOR SEVERE REPETITIVE LOSS PROPERTIES I. GENERAL DESCRIPTION The primary objective of the severe repetitive loss (SRL) properties strategy is to eliminate or reduce the damage to property and the disruption to life caused by repeated flooding. Approximately 8,300 insured properties have been identified with a high frequency of losses or a high value of claims. As these policies come up for renewal, they should be transferred to the NFIP Servicing Agent’s Special Direct Facility (SDF). The close supervision the SDF provides the group of policies and the attention the group of properties receives when mitigation decisions are made contribute to attaining the strategy’s primary objective. The SRL group consists of any NFIP insured property that has met at least one of the following paid flood loss criteria since 1978, regardless of ownership: 1. Four or more separate claim payments of more than $5,000 each (including building and contents payments); or 2. Two or more separate claim payments (building payments only) where the total of the payments exceeds the current value of the property. In either case, two of the claim payments must have occurred within 10 years of each other. Multiple losses at the same location within 10 days of each other are counted as one loss, with the payment amounts added together. The loss history includes all ownership of the property since 1978 or since the building’s construction if built after 1978. Severe repetitive loss properties with renewal dates of January 1, 2007, and later will be afforded coverage (new business or renewal) only through the SDF. The agent of record will remain in that capacity while the policy is in the SDF. The NFIP Servicing Agent will pay the agent of record the standard 15 percent commission that is paid on all NFIP Direct business. II. NOTIFICATION REQUIREMENTS Policies that renew on or after January 1, 2007, and meet the criteria for severe repetitive loss will be transferred to the SDF for policy issuance. Any policy that meets the SRL criteria during the current term will be transferred to the SDF with the subsequent renewal. As requests for review (discussed in “III. Dispute Resolution” below) are successful, and FEMA or its designee approves properties for mitigation, policies will be transferred out of the SDF. When policies are to be transferred to the SDF, the NFIP Bureau and Statistical Agent will notify WYO companies and the NFIP Servicing Agent at least 150 days prior to the expiration date. The companies will notify the affected policyholders, their agents, and their lenders 90 days before expiration of the policy. This notice will explain that the policies are ineligible for coverage outside of the SDF. (See agent, lender, and policyholder notification letters, pages SRL 3-8) Offers to renew will be issued by the SDF approximately 45 days prior to the expiration date. Policies with effective dates on or after November 1, 2006, that are currently written through the SDF as part of the Repetitive Loss Target Group program, but do not match the loss characteristics of the SRL group, will be identified by the NFIP Bureau and Statistical Agent and the SDF. The SDF will notify the policyholder, agent, and lender at least 90 days prior to the renewal date informing them that the flood insurance policy must be issued through a WYO company or the NFIP Servicing Agent. III. DISPUTE RESOLUTION When a policyholder has documentation that the NFIP-insured property has not sustained the losses reported, a request for review may be presented, in writing, to the NFIP Bureau and Statistical Agent. All documentation to substantiate the review must be included with the request letter. The policy will remain in the SDF during the review. The policyholder and agent will be notified of the results of the review. If the policyholder’s request for review is successful, the SDF policy will be canceled and the full premium will be returned to the former carrier. The carrier will write the policy using the SDF’s effective dates. If, however, a loss occurs both in the current term and before the policy can be returned to the former carrier, the SDF will continue to service the claim and will return the policy at the next renewal cycle, unless the new claim qualifies the property for the SDF. SRL 1 October 1, 2007 IV. MITIGATION Outside of the request for review process, when mitigation efforts (other than buyout or demolition) such as elevation, relocation, or other approved mitigation efforts are approved by FEMA, the property will be removed from the SDF and the target group at the next renewal. If the property is bought out or demolished under an approved FEMA mitigation project, and the efforts for the specific property are FEMA approved, the policy will be canceled and the pro- rata premium (less Federal Policy Fee and, if applicable, Probation Surcharge) will be refunded. When a property is bought out or demolished, any commission chargeback to the agent will be forgiven. SRL 2 October 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 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). SRL 3 October 1, 2007 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 Assistant Administrator Mitigation SRL 4 October 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 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 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). SRL 5 October 1, 2007 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 Assistant Administrator Mitigation SRL 6 October 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 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 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). SRL 7 October 1, 2007 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 Assistant Administrator Mitigation SRL 8 October 1, 2007 DEFINITIONS This list of terms is intended to include those that have specific meaning to the National Flood Insurance Program (NFIP). In a few instances, standard industry terms have been added for additional focus and emphasis. Act. The National Flood Insurance Act of 1968 and any amendments to it. Actual Cash Value (ACV). The cost to replace an insured item of property at the time of loss, less the value of its physical depreciation. Adjuster Control Office. An NFIP claims office similar to a Flood Insurance Claims Office (FICO) with the exception that the Adjuster Control Office does not house insured files, maintain a claims examiner staff at the site, or issue claim payments. Alternative Rating. A rating method used when a building is Pre-FIRM, the FIRM zone is unknown, and the community in which the building is located has no V zones. May also be used for renewal of policies in communities that have converted from the Emergency Program to the Regular Program during a policy’s term. Anchored. Adequately secured to prevent flotation, collapse, or lateral movement. Application. The statement made and signed by the prospective policyholder or the agent in applying for an NFIP flood insurance policy. The application gives information used to determine the eligibility of the risk, the kind of policy to be issued, and the correct premium payment. The application is part of the flood insurance policy. For a policy to be issued, the correct premium payment must accompany the application. Appurtenant Structure. A detached garage servicing a 1-4 family dwelling. Assignment. The transfer by a policyholder of his/her legal right or interest in a policy contract to a third party. In the NFIP, written assignment of a policy is permissible upon transfer of title, without the consent of the Federal Emergency Management Agency (FEMA), except in the case where a residential (household) contents-only policy is involved or a policy was issued to cover a building in the course of construction. Base Flood. A flood having a 1 percent chance of being equaled or exceeded in any given year. Base Flood Depth (BFD). The depth shown on the Flood Insurance Rate Map for Zone AO that indicates the depth of water above highest adjacent grade resulting from a flood that has a 1 percent chance of equaling or exceeding that level in any given year. Base Flood Elevation (BFE). The elevation shown on the Flood Insurance Rate Map for Zones AE, AH, A1-A30, AR, AR/A, AR/AE, AR/A1-A30, AR/AH, AR/AO, V1-V30, and VE that indicates the water surface elevation resulting from a flood that has a one percent chance of equaling or exceeding that level in any given year. Basement. Any area of the building, including any sunken room or sunken portion of a room, having its floor below ground level (subgrade) on all sides. Binder or Certificate of Insurance. A temporary agreement between company, producer, and insured that the policy is in effect. Binders and certificates of insurance are not permitted under the NFIP. Blanket Insurance. A single amount of insurance applying to more than one building and/or contents. Blanket insurance is not permitted under the NFIP. Breakaway Wall. A wall that is not part of the structural support of the building and is intended through its design and construction to collapse under specific lateral loading forces, without causing damage to the elevated portion of the building or supporting foundation system. Building. • A structure with two or more outside rigid walls and a fully secured roof, that is affixed to a permanent site; or • A manufactured home (a “manufactured home,” also known as a mobile home, is a structure built on a permanent chassis, transported to its site in one or more sections, and affixed to a permanent foundation); or • A travel trailer without wheels, built on a chassis and affixed to a permanent foundation, that is regulated under the community’s floodplain management and building ordinances or laws. “Building” does not mean a gas or liquid storage tank or a recreational vehicle, park trailer, or other similar vehicle, except as described above. DEF 1 October 1, 2007 Building in the Course of Construction. A walled and roofed building (see page GR 4 for exception) that is principally above ground and affixed to a permanent site. It does not include building materials or supplies intended for use in construction, alteration, or repair unless such materials or supplies are within an enclosed building on the premises. Cancellation. The ending of the insurance coverage provided by a policy before the expiration date. Cistern. Covered cisterns and the water in them are defined as an integral part of an insurable building, meaning under the building or above ground and physically attached to a side of the building with one of the walls of the building and cistern being common to each other. Claims Coordinating Office (CCO). A clearinghouse for the various insurers who are responding to a multi-peril catastrophe. Through voluntary participation, all losses are reported to the Claims Coordinating Office and are processed to locate address matches among the reported claims. The interest of each carrier is protected as the Claims Coordinator maintains sole control over the policy and loss information. If a match is found, special care is taken to direct the assigned adjuster(s) to a mutually agreeable adjustment or to have one adjuster surrender his/her loss with the assurance that every effort will be made to replace it. Closed Basin Lake. A natural lake from which water leaves primarily through evaporation and whose surface area exceeds or has exceeded 1 square mile at any time in the recorded past. NFIP-insured buildings that are subject to continuous lake flooding from a closed basin lake are covered under the provisions of Standard Flood Insurance Policy. Coastal Barrier. A naturally occurring island, sandbar, or other strip of land, including coastal mainland, that protects the coast from severe wave wash. Coastal Barrier Improvement Act of 1990 (CBIA). Enacted on November 16, 1990, the Act greatly expanded the identified land in the Coastal Barrier Resources System established pursuant to the Coastal Barrier Resources Act of 1982. Coastal Barrier Resources Act of 1982 (CBRA). For the purposes of the NFIP, the Coastal Barrier Resources Act of 1982 designated certain portions of the Gulf and East Coasts as undeveloped coastal barriers. These areas are shown on appropriate flood insurance map panels and have certain coverage restrictions. Coastal Barrier Resources System (CBRS). Communities, coastal barriers, and other protected areas identified by the Department of the Interior legislation defined above. Coastal High Hazard Areas. Special Flood Hazard Areas along the coasts that have additional hazards due to wind and wave action. These areas are identified on Flood Insurance Rate Maps as Zones V, V1-V30, and VE. Coinsurance. A penalty imposed on the loss payment unless the amount of insurance carried on the damaged building is at least 80 percent of its replacement cost or the maximum amount of insurance available for that building under the NFIP, whichever is less. Coinsurance applies only to building coverage under the Residential Condominium Building Association Policy. Community. A political entity that has the authority to adopt and enforce floodplain ordinances for the area under its jurisdiction. Community Number. A 6-digit designation identifying each NFIP community. The first two numbers are the state code. The next four are the FEMA-assigned community number. An alphabetical suffix is added to a community number to identify revisions in the Flood Insurance Rate Map for that community. Community Rating System (CRS). A program developed by FEMA to provide incentives for those communities in the Regular Program that have gone beyond the minimum floodplain management requirements to develop extra measures to provide protection from flooding. Condominium. That form of ownership of real property in which each unit owner has an undivided interest in common elements. Condominium Association. The entity made up of the unit owners responsible for the maintenance and operation of: • Common elements owned in undivided shares by unit owners; • Other real property in which the unit owners have use rights; where membership in the entity is a required condition of unit ownership. Contract Agent. An employee of a WYO Company, or an agent under written contract with a WYO Company, empowered to act on the company’s behalf and with authority to advise an DEF 2 October 1, 2007 applicant for flood insurance that the company will accept the risk. Countywide Map. A Flood Insurance Rate Map that shows flooding information for the entire geographic area of a county, including the incorporated communities within the county. Date of Construction. The date that the building permit was issued, provided the actual start of construction, repair, reconstruction, or improvement was within 180 days of the permit date. Declarations Page. A computer-generated summary of information provided by the prospective policyholder in the application for flood insurance. The Declarations Page also describes the term of the policy and the limits of coverage and displays the premium and the insurer’s name. The Declarations Page is a part of the flood insurance policy. Deductible Buyback. The option whereby, for an additional premium, policyholders who wish to reduce their deductibles from the standard deductibles of $1,000 per building loss and per contents loss for Pre-FIRM risks may purchase separate $500 deductibles for building and contents coverages. Described Location. The location where the insured building or personal property is found. The described location is shown on the Declarations Page. Diagram Number. Any of the numbers used in the instructions to the FEMA Elevation Certificate to identify the diagrams of the eight main types of buildings. Direct Physical Loss By or From Flood. Loss or damage to insured property, directly caused by a flood. There must be evidence of physical changes to the property. Doublewide Manufactured (Mobile) Home. A manufactured (mobile) home that, when assembled as a nonmovable, permanent building, is at least 16 feet wide and has an area within its perimeter walls of at least 600 square feet. Dwelling. A building designed for use as a residence for no more than four families or a single- family unit in a building under the condominium form of ownership. Dwelling Form. See “Standard Flood Insurance Policy–Dwelling Form.” Elevated Building. A building that has no basement and that has its lowest elevated floor raised above ground level by foundation walls, shear walls, posts, piers, pilings, or columns. Solid perimeter foundations walls are not an acceptable means of elevating buildings in V and VE zones. Emergency Program. The initial phase of a community’s participation in the National Flood Insurance Program. During this phase, only limited amounts of insurance are available under the Act. Enclosure. That portion of an elevated building below the lowest elevated floor that is either partially or fully shut in by rigid walls. Erosion. The collapse, undermining, or subsidence of land along the shore of a lake or other body of water. Erosion is a covered peril if it is caused by waves or currents of water exceeding their cyclical levels which result in flooding. Expense Constant. A flat fee formerly charged on each new and renewal policy, the Expense Constant was eliminated effective May 1, 2003, and no longer affects the premium calculation for new and renewal business. However, the Expense Constant may affect the calculation of refunds going back prior to May 1, 2003, for policy cancellations and endorsements. Federal Emergency Management Agency (FEMA). The federal agency under which the National Flood Insurance Program (NFIP) is administered. In March 2003, FEMA became part of the newly created U.S. Department of Homeland Security. Federal Policy Fee. A flat charge that the policyholder must pay on each new or renewal policy to defray certain administrative expenses incurred in carrying out the National Flood Insurance Program. Financial Assistance/Subsidy Arrangement. The arrangement between an insurance company and FEMA to initiate the company’s participation in the Write Your Own (WYO) Program. It establishes the duties of the company and the government. Finished (Habitable) Area. An enclosed area having more than 20 linear feet of finished walls (paneling, etc.) or used for any purpose other than solely for parking of vehicles, building access, or storage. DEF 3 October 1, 2007 Flood. • A general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties (at least one of which is the policyholder’s property) from: – Overflow of inland or tidal waters; – Unusual and rapid accumulation or runoff of surface waters from any source; or – Mudflow; or • Collapse or subsidence of land along the shore of a lake or similar body of water as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood as defined above. Flood Hazard Boundary Map (FHBM). Official map of a community issued by FEMA, where the boundaries of the flood, mudflow, and related erosion areas having special hazards have been designated. Flood Insurance Claims Office (FICO). An NFIP claims processing office set up in a catastrophe area when a sufficient number of flood claims result from a single event. Flood Insurance Rate Map (FIRM). Official map of a community on which FEMA has delineated both the special hazard areas and the risk premium zones applicable to the community. Flood Response Office (FRO). The FRO provides a local presence in the affected area and supports the WYO companies, the NFIP Servicing Agent, and various federal, state, and local officials in providing answers to claims coverage questions, forms for claims handling, and survey and statistical input. One of the key requirements of personnel at the FRO is to coordinate and conduct reinspections of WYO and NFIP Direct losses. The FRO also tracks adjuster performance and provides such information to interested WYO and NFIP Direct companies. Floodplain. Any land area susceptible to being inundated by flood waters from any source. Floodplain Management. The operation of an overall program of corrective and preventive measures for reducing flood damage, including but not limited to, emergency preparedness plans, flood control works, and floodplain management regulations. Floodproofing. Any combination of structural and nonstructural additions, changes, or adjustments to structures, which reduce or eliminate risk of flood damage to real estate or improved real property, water and sanitation facilities, or structures with their contents. Freeboard. An additional amount of height above the Base Flood Elevation used as a factor of safety (e.g., 2 feet above the Base Flood) in determining the level at which a structure's lowest floor must be elevated or floodproofed to be in accordance with State or community floodplain management regulations. General Property Form. See “Standard Flood Insurance Policy–General Property Form.” Grade Elevation. The lowest or highest finished ground level that is immediately adjacent to the walls of the building. Use natural (preconstruction), ground level, if available, for Zone AO and Zone A (without BFE). Grandfathering. An exemption based on circumstances previously existing. Under the NFIP, buildings located in Emergency Program communities and Pre–FIRM buildings in the Regular Program are eligible for subsidized flood insurance rates. Post–FIRM buildings in the Regular Program built in compliance with the floodplain management regulations in effect at the start of construction will continue to have favorable rate treatment even though higher base flood elevations or more restrictive, greater risk zone designations result from FIRM revisions. Group Flood Insurance. Issued by the NFIP Direct Program in response to a Presidential disaster declaration. Disaster assistance applicants, in exchange for a modest premium, receive a minimum amount of building and/or contents coverage for a 3-year policy period. An applicant may cancel the group policy at any time and secure a regular Standard Flood Insurance Policy through the NFIP. High-Rise Building. High-rise condominium buildings have five or more units and at least three floors excluding enclosure even if it is the lowest floor for rating purposes. An enclosure below an elevated building, even if it is the lowest floor for rating purposes, cannot be counted as a floor to avoid classifying the building as low rise. Historic Building. Any building that is: • Listed individually in the National Register of Historic places (a listing maintained by the Department of the Interior) or preliminarily determined by the Secretary of the Interior DEF 4 October 1, 2007 as meeting the requirements for individual listing on the National Register; or • Certified or preliminarily determined by the Secretary of the Interior as contributing to the historical significance of a registered historic district or a district preliminarily determined by the Secretary to qualify as a registered historic district; or • Individually listed in a state inventory of historic places in states with preservation programs that have been approved by the Secretary of the Interior; or • Individually listed on a local inventory of historic places in communities with historic preservation programs that have been certified either: – By an approved state program as determined by the Secretary of the Interior, or – Directly by the Secretary of the Interior in states without approved programs. Improvements and Betterments. Fixtures, alterations, installations, or additions made or acquired solely at a tenant’s expense and comprising part of an insured building. Increased Cost of Compliance. Coverage for expenses that a property owner must incur, above and beyond the cost to repair the physical damage the structure actually sustained from a flooding event, to comply with mitigation requirements of State or local floodplain management ordinances or laws. Acceptable mitigation measures are elevation, floodproofing, relocation, demolition, or any combination thereof. Letter of Determination Review (LODR). FEMA’s ruling on the determination made by a lender or third party that a borrower’s building is in a Special Flood Hazard Area (SFHA). A LODR deals only with the location of a building relative to the SFHA boundary shown on the Flood Insurance Rate Map. Letter of Map Amendment (LOMA). An amendment to the currently effective FEMA map which establishes that a property is not located in a Special Flood Hazard Area. A LOMA is issued only by FEMA. Letter of Map Revision (LOMR). An official amendment to the currently effective FEMA map. It is issued by FEMA and changes flood zones, delineations, and elevations. Loss in Progress. A loss that is already in progress as of 12:01 a.m. on the first day of the policy term; or, as to any increase in the limits of coverage which is requested, a loss that is already in progress when the additional coverage is requested. Lowest Adjacent Grade. The lowest point of the ground level next to the building. Lowest Floor. The lowest floor of the lowest enclosed area (including a basement). An unfinished or flood-resistant enclosure, usable solely for parking of vehicles, building access, or storage in an area other than a basement area, is not considered a building's lowest floor provided that such enclosure is not built so as to render the structure in violation of requirements. Lowest Floor Elevation (LFE). The measured distance of a building’s lowest floor above the National Geodetic Vertical Datum (NGVD) or other datum specified on the FIRM for that location. Low-Rise Building. Low-rise condominium buildings have fewer than five units regardless of the number of floors or five or more units with fewer than three floors including basement. All townhouses/rowhouses, regardless of the number of floors or units, and all single-family detached condominium buildings are classified as low rise. An enclosure below an elevated building, even if it is the lowest floor for rating purposes, cannot be counted as a floor to avoid classifying the building as low rise. Mandatory Purchase. Under the provisions of the Flood Disaster Protection Act of 1973, individuals, businesses, and others buying, building, or improving property located in identified areas of special flood hazards within participating communities are required to purchase flood insurance as a prerequisite for receiving any type of direct or indirect federal financial assistance (e.g., any loan, grant, guaranty, insurance, payment, subsidy, or disaster assistance) when the building or personal property is the subject of or security for such assistance. Manufactured (Mobile) Home. A structure built on a permanent chassis, transported to its site in one or more sections, and affixed to a permanent foundation. “Manufactured (mobile) home” does not include recreational vehicles. Manufactured (Mobile) Home Park or Subdivision, Existing. A manufactured (mobile) home park or subdivision for which the construction of facilities for servicing the lots on which the manufactured (mobile) homes are to be affixed (including, at a minimum, the installation of utilities, the construction of streets, and either final site grading or the pouring of concrete pads) is completed on or before December 31, 1974, or before the effective date of the community’s initial FIRM, whichever is later. DEF 5 October 1, 2007 Manufactured (Mobile) Home Park or Subdivision, Expansion to Existing Site. The preparation of additional sites by the construction of facilities for servicing the lots on which manufactured (mobile) homes are to be affixed (including the installation of utilities, the construction of streets, and either final site grading or the pouring of concrete pads). Manufactured (Mobile) Home Park or Subdivision, New. A manufactured (mobile) home park or subdivision for which the construction of facilities for servicing the lots on which the manufactured (mobile) homes are to be affixed (including, at a minimum, the installation of utilities, the construction of streets, and either final site grading or the pouring of concrete pads) is completed after December 31, 1974, or on or after the effective date of the community’s initial FIRM, whichever is later. Map Revision. A change in the FHBM or FIRM for a community which reflects revised zone, base flood, or other information. Mean Sea Level. See National Geodetic Vertical Datum (NGVD). Modular Building. A building that is usually transported to its site on a steel frame or special trailer because it does not have a permanent chassis like a manufactured (mobile) home. A modular building is classified and rated under one of the other building types. Mortgage Portfolio Protection Program(MPPP). A program designed to help lending institutions maintain compliance with the Flood Disaster Protection Act of 1973, as amended. Policies written under the MPPP can be placed only through a WYO Company. Mudflow. A river of liquid and flowing mud on the surfaces of normally dry land areas, as when earth is carried by a current of water. Other earth movements, such as landslide, slope failure, or a saturated soil mass moving by liquidity down a slope, are not mudflows. National Flood Insurance Program (NFIP). The program of flood insurance coverage and floodplain management administered under the Act and applicable Federal regulations promulgated in Title 44 of the Code of Federal Regulations, Subchapter B. National Geodetic Vertical Datum (NGVD). National standard reference datum for elevations, formerly referred to as Mean Sea Level (MSL) of 1929. NGVD is used as the reference datum on most FIRMs. Natural Grade. The grade unaffected by construction techniques such as fill, landscaping, or berming. New Construction. Buildings for which the “start of construction” commenced on or after the effective date of an initial FIRM or after December 31, 1974, whichever is later, including any subsequent improvements. NFIP Bureau and Statistical Agent. A corporation, partnership, association, or any other organized entity that contracts with the Federal Emergency Management Agency to be the focal point of support operations for the NFIP. NFIP Servicing Agent. A corporation, partnership, association, or any other organized entity that contracts with the Federal Emergency Management Agency to service insurance policies as direct business. NFIP Special Direct Facility (SDF). Formed in 2000, a branch of the NFIP Servicing Agent to which WYO companies transfer renewals for identified properties in the Repetitive Loss Target Group so that mitigation assistance can be offered to the policyholders. Non-Residential. Includes, but is not limited to: small business concerns, churches, schools, farm buildings (including grain bins and silos), poolhouses, clubhouses, recreational buildings, mercantile structures, agricultural and industrial structures, warehouses, hotels and motels with normal room rentals for less than 6 months’ duration, and nursing homes. Nullification. The act of declaring an insurance contract invalid from its inception so that, from a legal standpoint, the insurance contract never existed. Other Residential. Hotels or motels where the normal occupancy of a guest is 6 months or more; a tourist home or rooming house which has more than four roomers. A residential building (excluding hotels and motels with normal room rentals for less than 6 months’ duration) containing more than four dwelling units. Incidental occupancies such as office, professional private school, or studio occupancy, are permitted if the total area of such incidental occupancies is limited to less than 25 percent of the total floor area within the building. Out-As-Shown Determination. An alternative outcome of the FEMA Letter of Map Amendment (LOMA) review process stating that a specific property is located outside the Special Flood DEF 6 May 1, 2005 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 11-13, APP 1-11, CONDO 8-9, PRP 4-7, DEF 1 Binder or Certificate of Insurance...................GR 8, DEF 1 Flood Insurance Application Form ......................APP 9-11 Incomplete/Incorrect Applications ............................ APP 8 Mailing Instructions...................................GR 8, 13, APP 8 APPURTENANT STRUCTURE ..........................GR 3, DEF 1 ASSESSMENT COVERAGE ................ GR 11-12, CONDO 7 ASSIGNMENT OF POLICY .............. GR 13, 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 OR CERTIFICATE OF INSURANCE ...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 1-11, DEF 2, 6 Cancellation/Nullification Request Form .............CN 10-11 Form Completion.....................................................CN 7-8 Processing Outcomes Table ...................................... CN 9 Reason Codes for Cancellation/Nullification...........CN 1-7 Refunds...................................................................CN 1-8 CERTIFICATIONS ................................................ CERT 1-37 CISTERNS ..................................................... GR 4, 6, DEF 2 CLAIMS ........................................................................ CL 1-5 Appealing a Claim....................................................CL 1-3 Filing a Claim .............................................................. CL 1 Increased Cost of Compliance (ICC) Claims...........CL 4-5 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 CONSTRUCTION DATA........................................... APP 4-6 CONTACT INFORMATION, NFIP............................. REF 3-6 CONTENTS...................... GR 6, 7, 8, APP 4, RATE 1, 25-28 CONTINUOUS LAKE FLOODING ..................................CN 6 CONTRACT AGENT.....................................GR 13, DEF 2-3 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 2, 8, MAP 4 CREDIT CARD PAYMENT FORM...........................REN 2, 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 IND 1 October 1, 2007 DEDUCTIBLES...................GR 10, APP 4, RATE 12, 13, 17, CONDO 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 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 AND BETTERMENTS........GR 12, DEF 5 INCIDENTAL OCCUPANCY ....................................... GR 5-6 INCREASED COST OF COMPLIANCE (ICC) COVERAGE .............. GR 10-11, RATE 14, 17, CONDO 21, MPPP 1, CL 4-5, DEF 5 INELIGIBLE COMMUNITY (See NON-PARTICIPATING COMMUNITY) INELIGIBLE PROPERTY ............................................ GR 6-8 INFLATION FACTOR.......................................GR 10, REN 1 IND 2 October 1, 2007 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, 7, MAP 3, DEF 5 LETTER OF MAP REVISION (LOMR) ............PRP 2, END 2, CN 1, 5-6, 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, REN 1 MUDFLOW ................................................................... DEF 6 MULTI-FAMILY RESIDENCE (DWELLING) (See 2-4 FAMILY RESIDENCE [DWELLING]) MULTI-PROPERTY LETTER OF MAP AMENDMENT (LOMA) OR LETTER OF MAP REVISION (LOMR) ..... CN 6 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 Expiration Notice to Mortgagee................................ REN 1 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 2, 8 Credit Card Payment Form .................................. REN 2, 8 Premium Calculation.......................................RATE 16-17 IND 3 October 1, 2007 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 PROOF OF INSURANCE...............................................GR 8 PROOF OF LOSS........................................................CL 1, 2 PROPER OPENINGS (FLOOD VENTS) ..... LFG 1, 2, 3, 5, 7, DEF 7 PROPERTY LOCATION................APP 2-3, PRP 4-5, END 3 PROPERTY REMOVED TO SAFETY EXPENSE ........ DEF 7 PROVISIONAL RATING ..................... GR 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 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 ............... GR 4, 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 IND 4 October 1, 2007 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 IND 5 October 1, 2007