National Flood Insurance Program

Flood Insurance Manual

May 2005

TABLE OF CONTENTS


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.	Preferred Risk Policy		GR 2
		C.	Residential Condominium Building Association Policy (RCBAP)		GR 2
		D.	Mortgage Portfolio Protection Program (MPPP)		GR 2
		E.	Scheduled Building Policy		GR 2
		F.	Group Flood Insurance 		GR 2

	III.	BUILDING PROPERTY ELIGIBILITY		GR 2
		A.	Eligible Buildings		GR 2
		B.	Single Building		GR 4
		C.	Walls		GR 4
		D.	Determination of Building Occupancy		GR 4

	IV.	CONTENTS ELIGIBILITY		GR 5
		A.	Eligible Contents		GR 5
		B.	Vehicles and Equipment		GR 5
		C.	Silos, Grain Storage Buildings, and Cisterns		GR 5
		D.	Commercial Contents Coverage		GR 5

	V.	EXAMPLES OF ELIGIBLE RISKS		GR 5
		A.	Building Coverage		GR 5
		B.	Contents Coverage		GR 6
		C.	Condominiums		GR 6



	VI.	INELIGIBLE PROPERTY		GR 6
		A.	Buildings		GR 6
		B.	Container-Type Buildings		GR 6
		C.	Buildings Entirely Over Water		GR 6
		D.	Buildings Partially Underground		GR 6
		E.	Basement/Elevated Building Enclosures		GR 6

	VII.	EXAMPLES OF INELIGIBLE RISKS		GR 6
		A.	Building Coverage		GR 6
		B.	Contents Coverage		GR 7
		C.	Non-Residential Condominium Unit		GR 7

	VIII.	POLICY EFFECTIVE DATE		GR 7
		A.	Evidence of Insurance		GR 7
		B.	Start of Waiting Period		GR 7
		C.	Effective Date		GR 7

	IX.	COVERAGE		GR 9
		A.	Limits of Coverage		GR 9
		B.	Deductibles		GR 9
		C.	Coverage D - Increased Cost of Compliance (ICC) Coverage		GR 9
		D.	Reduction of Coverage Limits or Reformation		GR 10

	X.	SPECIAL RATING SITUATIONS		GR 10
		A.	Tentative Rates		GR 10
		B.	Submit-For-Rate		GR 10
		C.	Provisional Rates		GR 10
		D.	Buildings in More Than One Flood Zone		GR 10

	XI.	MISCELLANEOUS RULES		GR 11
A.	Policy Term		GR 11
B.	Application Submission		GR 11
C.	Delivery of the Policy		GR 11
D.	Assignment		GR 11
E.	Producers' Commissions (Direct Business Only)		GR 11

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

	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
		C.	1975-81 Post-FIRM V Zone Construction		RATE 20
		D.	1981 Post-FIRM V Zone Construction		RATE 20
		E.	Elevated Buildings--1981 Post-FIRM V Zone Construction		RATE 20

	XIV.	SPECIAL RATING SITUATIONS		RATE 21
		A.	Tentative Rates		RATE 21
		B.	Alternative Rates		RATE 21
		C.	Map "Grandfather" Rules--Effect of Map Revisions on Flood Insurance Rates		RATE 21
		D.	Post-'81 V Zone Optional Rating		RATE 23
		E.	Policies Requiring Re-Rating		RATE 23
		F.	Submit-for-Rate		RATE 23
		G.	Crawl Space		RATE 24

	XV.	CONTENTS LOCATION		RATE 25
		A.	Single Family Dwellings		RATE 25
		B.	Multi-Family and Non-Residential Buildings		RATE 25

	XVI.	FIRMS WITH WAVE HEIGHTS		RATE 29
		A.	Procedure for Calculating Wave Height Adjustment		RATE 29
B.	Wave Heights in Numbered Zones V1-V30 and VE 1981 Post-FIRM
			  Construction		RATE 29
		C.	Unnumbered V Zones 1981 Post-FIRM Construction		RATE 30
		D.	Rate Selection Procedure		RATE 30

	XVII.	FLOODPROOFED BUILDINGS		RATE 30
		A.	Elevation Difference		RATE 30
		B.	Rating		RATE 30

	XVIII.THE V-ZONE RISK FACTOR RATING FORM		RATE 31
		A.	Use			RATE 31
		B.	Submission		RATE 31

	XIX.	RATING EXAMPLES		RATE 47

CONDOMINIUMS			CONDO 1

	I.	METHODS OF INSURING CONDOMINIUMS		CONDO 1
		A.	Residential Condominium:  Association Coverage on Building and Contents		CONDO 1
		B.	Residential Condominium:  Unit Owner's Coverage on Building and Contents.		CONDO 1
		C.	Other Residential Condominium:  Condominium Association Policy,
			  Association Coverage on Building and Contents		CONDO 1 
		D.	Nonresidential (Commercial) Condominium:  Building and Contents		CONDO 2
E.	Nonresidential (Commercial) Condominium: Unit Owner's Coverage 
	  (Contents)		CONDO 2

	II.	POLICY FORM		CONDO 6

	III.	ELIGIBILITY REQUIREMENTS		CONDO 6



	IV.	COVERAGE		CONDO 6
		A.	Property Covered		CONDO 6
		B.	Coverage Limits		CONDO 6
		C.	Replacement Cost and Coinsurance		CONDO 7
		D.	Assessment Coverage		CONDO 7

	V.	DEDUCTIBLES AND FEES		CONDO 7
		A.	Deductibles		CONDO 7
		B.	Federal Policy Fee		CONDO 7
 
	VI.	TENTATIVE RATES AND SCHEDULED BUILDINGS		CONDO 7

	VII.	COMMISSIONS (DIRECT BUSINESS ONLY)		CONDO 7

	VIII.	CANCELLATION OR ENDORSEMENT OF EXISTING UNIT 
		  OWNERS' DWELLING POLICIES		CONDO 8

	IX.	APPLICATION FORM		CONDO 8
 		A.	Type of Building		CONDO 8
		B.	Replacement Cost Value 		CONDO 8
		C.	Coverage		CONDO 8
		D.	Rates and Fees		CONDO 9

	X.	CONDOMINIUM RATING EXAMPLES		CONDO 23

LOWEST FLOOR GUIDE		LFG 1

	I.	USING THE LOWEST FLOOR GUIDE		LFG 1

	II.	LOWEST FLOOR DETERMINATION		LFG 1

	III.	SPECIFIC BUILDING DRAWINGS		LFG 8

SPECIAL CERTIFICATIONS		CERT 1

	I. 	NFIP ELEVATION CERTIFICATE		CERT 1

	II.	USING THE ELEVATION CERTIFICATE:  SPECIAL CONSIDERATIONS		CERT 1
		Section A - Property Owner Information		CERT 1
		Section B - Flood Insurance Rate Map (FIRM) Information		CERT 2
		Section C - Building Elevation Information (Survey Required)		CERT 2
		Section D - Surveyor, Engineer, or Architect Certification		CERT 2
	 	Section E - Building Elevation Information (Survey Not Required) for Zone AO and
		  Zone A (Without BFE)		CERT 2
		Section F - Property Owner (or Owner's Representative) Certification		CERT 3
		Section G - Community Information (Optional)		CERT 3

	III.	FLOODPROOFING CERTIFICATE		CERT 3
		A.	Purpose and Eligibility		CERT 3
		B.	Specifications		CERT 3
		C.	Rating		CERT 3
		D.	Certification		CERT 3


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 OR MAP REVISION		PRP 2

	XI.	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 4
		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


		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 Revision		END 2
		E.	Changing Deductibles		END 2
		F.	Correcting Property Address		END 2

II.	ENDORSEMENT PROCESSING PRIOR TO POLICY RENEWAL (NFIP DIRECT 
	BUSINESS ONLY)		END 3
		A.	During Last 90 Days of Policy Term		END 3
		B.	During Last 75 Days of Policy Term		END 3
		C.	Refunds Generated from Endorsement Processing		END 3

	III.	PREPARATION OF FORM		END 3
		A.	General Instructions		END 3
		B.	Refund Processing Procedures		END 3

	IV.	ENDORSEMENT RATING EXAMPLES		END 5

POLICY RENEWALS		REN 1

	I.	GENERAL INFORMATION		REN 1

	II.	RENEWAL NOTICE		REN 1
		A.	Renewing for the Same Coverage--Option A		REN 1
		B.	Inflation Factor--Option B		REN 1
		C.	No Renewal Notice Generated		REN 1

	III.	PREMIUM PAYMENT DUE		REN 1

	IV.	FINAL NOTICE		REN 2

	V.	RENEWAL EFFECTIVE DATE DETERMINATION		REN 2

	VI.	INSUFFICIENT RENEWAL INFORMATION		REN 2

	VII.	ENDORSEMENTS DURING RENEWAL CYCLE		REN 2

	VIII.	REPETITIVE LOSS TARGET GROUP PROPERTIES		REN 2


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 6
		A.	Current Policy Number		CN 6
		B.	Policy Term		CN 6
		C.	Agent Information		CN 7
		D.	Insured Mail Address		CN 7
		E.	First Mortgagee		CN 7
		F.	Other Parties Notified		CN 7
		G.	Property Location		CN 7
		H.	Cancellation Reason Code		CN 7
		I.	Refund		CN 7
		J.	Signature		CN 7

CLAIMS			CL 1

	I.	INSURED'S RESPONSIBILITIES		CL 1

	II.	PRODUCER'S RESPONSIBILITIES		CL 1

	III.	SINGLE ADJUSTER PROGRAM IMPLEMENTATION		CL 1
		A.	Schedule and Notification		CL 1
		B.	Training		CL 2
		C.	Producer Responsibilities		CL 2

	IV.	INCREASED COST OF COMPLIANCE (ICC) CLAIMS		CL 2

POLICY			POL 1

	DWELLING FORM:

	SUMMARY OF SIGNIFICANT CHANGES, DECEMBER 2000 		POL 2

	I.	AGREEMENT		POL 3

	II.	DEFINITIONS		POL 3

	III.	PROPERTY COVERED		POL 5

	IV.	PROPERTY NOT COVERED		POL 10

	V.	EXCLUSIONS		POL 11

	VI.	DEDUCTIBLES		POL 12

	VII.	GENERAL CONDITIONS		POL 12

	VIII.	LIBERALIZATION CLAUSE		POL 20

	IX.	WHAT LAW GOVERNS		POL 20

	CLAIM GUIDELINES IN CASE OF A FLOOD		POL 21



GENERAL PROPERTY FORM: 

	SUMMARY OF SIGNIFICANT CHANGES, DECEMBER 2000		POL 22

	I.	AGREEMENT		POL 23

	II.	DEFINITIONS		POL 23

	III.	PROPERTY COVERED		POL 25

	IV.	PROPERTY NOT COVERED		POL 30

	V.	EXCLUSIONS		POL 31

	VI.	DEDUCTIBLES		POL 32

	VII.	GENERAL CONDITIONS		POL 32

	VIII.	LIBERALIZATION CLAUSE		POL 39

	IX.	WHAT LAW GOVERNS		POL 39

	CLAIM GUIDELINES IN CASE OF A FLOOD		POL 40

	RESIDENTIAL CONDOMINIUM BUILDING ASSOCIATION POLICY:

	SUMMARY OF SIGNIFICANT CHANGES, DECEMBER 2000		POL 42

	I.	AGREEMENT		POL 43

	II.	DEFINITIONS		POL 43

	III.	PROPERTY COVERED		POL 45

	IV.	PROPERTY NOT COVERED		POL 50

	V.	EXCLUSIONS		POL 50

	VI.	DEDUCTIBLES		POL 51

	VII.	COINSURANCE		POL 52

	VIII.	GENERAL CONDITIONS		POL 53

	IX.	LIBERALIZATION CLAUSE		POL 60

	X.	WHAT LAW GOVERNS		POL 60

	CLAIM GUIDELINES IN CASE OF A FLOOD		POL 61




FLOOD MAPS		MAP 1

	I.	OVERVIEW		MAP 1
		A.	Types of Flood Maps		MAP 1
		B.	Map Information		MAP 1
		C.	Communities Without a Map		MAP 1

	II.	MAP ZONES		MAP 2
		A.	Special Flood Hazard Areas (SFHAs)		MAP 2
		B.	Moderate, Minimal Hazard Areas		MAP 2

	III.	LOCATING A SPECIFIC PROPERTY ON A MAP		MAP 2

	IV.	CHANGING OR CORRECTING A FLOOD MAP		MAP 3
		A.	Letter of Map Amendment (LOMA)		MAP 3
		B.	Letter of Map Revision (LOMR)		MAP 3
		C.	Physical Map Revision		MAP 3

	V.	ORDERING FLOOD MAPS		MAP 4
		A.	Ordering Instructions		MAP 4
		B.	Prices		MAP 4
		C.	Map Revisions		MAP 4

PROVISIONAL RATING		PR 1

	I.	GENERAL DESCRIPTION		PR 1

	II.	ELIGIBILITY REQUIREMENTS		PR 1

	III.	REFORMATION		PR 1
		A.	Limitations		PR 1
		B.	Endorsement Procedure		PR 1
		C.	Endorsement Alternative		PR 1

	IV.	NOTIFICATION REQUIREMENTS		PR 1

	V.	COMPLETING THE PROVISIONAL RATING QUESTIONNAIRE		PR 2
		A.	General Directions		PR 2
		B.	Guidance for Determining Building Elevated on Fill		PR 2

	VI.	PROVISIONAL RATING EXAMPLE		PR 4

COASTAL BARRIER RESOURCES SYSTEM		CBRS 1

	LIST OF COMMUNITIES		CBRS 3

COMMUNITY RATING SYSTEM		CRS 1

	I.	GENERAL DESCRIPTION		CRS 1

	II.	ELIGIBILITY		CRS 1

	III.	CLASSIFICATIONS AND DISCOUNTS		CRS 1


	IV.	CRS ACTIVITIES THAT CAN DIRECTLY BENEFIT INSURANCE AGENTS		CRS 1

	ELIGIBLE COMMUNITIES		CRS 2

SPECIAL PROCEDURES FOR TARGETED REPETITIVE LOSS PROPERTIES		RL 1

	I.	GENERAL DESCRIPTION		RL 1

	II.	NOTIFICATION REQUIREMENTS		RL 1

	III.	DISPUTE RESOLUTION		RL 1

	IV.	MITIGATION		RL 1

DEFINITIONS		DEF 1

INDEX			IND 1

















REFERENCE

NFIP Servicing Agent Contact Information for NFIP Direct Program Agents		REF 3
NFIP General Contact Information for All NFIP Stakeholders		REF 4
NFIP Bureau and Statistical Agent Regional Offices		REF 5

RATING

Amount of Insurance Available		RATE 1
Table 1.	Emergency Program Rates		RATE 1
Table 2.	Regular Program--Pre-FIRM Construction Rates		RATE 2
Table 3.	Regular Program--Post-FIRM Construction Rates		RATE 3
Table 4.	Regular Program--FIRM Zone AR and AR Dual Zones Rates		RATE 9
Table 5.	Regular Program--Pre-FIRM and Post-FIRM Elevation-Rated Rates		RATE 10
Table 6.	Precalculated Pre-FIRM Premium Table		RATE 11
Table 7.	Federal Policy Fee and Probation Surcharge Table		RATE 12
Table 8A.	Standard Deductibles		RATE 12
Table 8B.	Deductible Factors		RATE 13
Table 9.	Standard Flood Insurance Policy Increased Cost of Compliance (ICC)
		         Coverage Premiums		RATE 14
Table 10.	V-Zone Risk Rating RelativitiesTable		RATE 32

CONDOMINIUMS

	Table 1.	Condominium Underwriting Guidelines		CONDO 3
	Table 2.	Condominium Rating Chart		CONDO 4
	Table 3.	RCBAP High-Rise Condominium Rates		CONDO 10
	Table 4.	RCBAP Low-Rise Condominium Rates		CONDO 14
	Table 5.	RCBAP High-Rise and Low-Rise Condominium Rates--
			  1981 Post-FIRM V1-V30, VE Zone Rates		CONDO 19
	Table 6.	RCBAP High-Rise and Low-Rise Condominium Rates-- 
			  Increased Cost of Compliance (ICC) Coverage		CONDO 21
	Table 7.	RCBAP Deductible Factors – All Zones		CONDO 22


SPECIAL CERTIFICATIONS

Approved Communities for Residential Basement Floodproofing Rating Credit		CERT 4

PREFERRED RISK POLICY

	The PRP at a Glance		PRP 1
	PRP Coverages Available Effective May 1, 2004		PRP 3

MORTGAGE PORTFOLIO PROTECTION PROGRAM

	Mortgage Portfolio Protection Program Rate and 
	  Increased Cost of Compliance (ICC) Table		MPPP 1

POLICY RENEWALS

	Summary of Policy Notices		REN 3

CANCELLATION/NULLIFICATION

Processing Outcomes for Cancellation/Nullification of a Flood Insurance Policy		CN 8



FLOOD MAPS

	MSC Products, Services, and Costs		MAP 5

COASTAL BARRIER RESOURCES SYSTEM

List of Communities		CBRS 3

COMMUNITY RATING SYSTEM

CRS Premium Discounts		CRS 1
Eligible Communities		CRS 2


APPLICATION

	Flood Insurance Application - Part 1 	APP 9
	Flood Insurance Application - Part 2 	APP 10

RATING

	V-Zone Risk Factor Rating Form and Instructions	RATE 33

LOWEST FLOOR GUIDE

	Lowest Floor Determination Guide	LFG 3

SPECIAL CERTIFICATIONS

	Residential Basement Floodproofing Certificate		CERT 5
	Floodproofing Certificate for Non-Residential Structures		CERT 7
	Elevation Certificate and Instructions		CERT 9

PREFERRED RISK POLICY

	Flood Insurance Preferred Risk Policy Application 	PRP 6

GENERAL CHANGE ENDORSEMENT

	Flood Insurance General Change Endorsement	END 13

POLICY RENEWALS

	Renewal Notice			REN 4
	Final Notice			REN 6
	Credit Card Payment Form		REN 8

CANCELLATION/NULLIFICATION

	Flood Insurance Cancellation/Nullification Request Form	CN 9

POLICY

	Standard Flood Insurance Policy - Dwelling Form		POL 3
	Standard Flood Insurance Policy - General Property Form		POL 23
	Standard Flood Insurance Policy - Residential Condominium Building Association
	  Policy		POL 43

FLOOD MAPS

	Sample Flood Insurance Rate Map (FIRM)		MAP 6
	Sample Flood Hazard Boundary Map (FHBM)		MAP 7



PROVISIONAL RATING

	Provisional Rating Questionnaire		PR 3
	Sample Notice to Accompany Provisionally Rated Policies		PR 5

SPECIAL PROCEDURES FOR TARGETED REPETITIVE LOSS PROPERTIES

	Agent's 90-Day Notification Letter		RL 2
	Policyholder's 90-Day Notification Letter		RL 4




REFERENCE





I.	INTRODUCTION TO THE NATIONAL 
FLOOD INSURANCE PROGRAM

The National Flood Insurance Program (NFIP) 
was established by the National Flood Insurance 
Act of 1968.  The Act was in response to 
Congress finding that:

?	Flooding disasters required unforeseen 
disaster relief and placed an increased 
burden on the nation's resources.

?	The installation of flood preventive and 
protective measures and other public 
programs designed to reduce losses caused 
by flood damage had not been sufficient to 
adequately protect against the growing 
exposure to flood losses as a matter of 
national policy.  A reasonable method of 
slowing the risk of flood losses would be 
through a program of flood insurance that 
could complement and encourage 
preventive and protective measures.

?	Many factors made it uneconomical for the 
private insurance industry carriers to make 
flood insurance available to those in need of 
such protection on reasonable terms and 
conditions.

?	A program of flood insurance with large- 
scale participation of the federal government 
and the maximum extent practicable by the 
private industry was feasible and could be 
initiated.

Congress stated that the purpose in passing the 
Act was to:

?	Authorize a flood insurance program that, 
over time, could be made available on a 
nationwide basis through the cooperative 
effort of the federal government and the 
private insurance industry.

?	Provide flexibility in the program so that 
such flood insurance would be based on 
workable methods of pooling risks, 
minimizing costs, and distributing burdens 
equitably among the general public and 
those who would be protected by flood 
insurance.

?	Encourage state and local governments to 
use wisely the lands under their jurisdictions 
by considering the hazard of flood when 
rendering decisions on the future use of 
such land, thus minimizing damage caused 
by flooding. 


From 1968 until 1979, the NFIP was 
administered by the U.S. Department of Housing 
and Urban Development.  When the Federal 
Emergency Management Agency (FEMA) was 
established in 1979, administration of the NFIP 
was transferred to that agency.  In March 2003, 
FEMA became part of the newly created U.S. 
Department of Homeland Security.

The NFIP is a program in which communities 
formally agree, as evidenced by their adoption of 
codes and ordinances, to regulate the use of their 
flood-prone lands. In return, FEMA makes flood 
insurance coverage available on buildings and 
their contents throughout the community. FEMA 
has traditionally identified these flood hazard 
areas on maps, which are provided to 
communities for carrying out their responsibilities. 
The maps are also used by insurance producers 
to determine rates and by lenders to determine 
purchase requirements.

II.	THE WRITE YOUR OWN PROGRAM

The Write Your Own (WYO) Program, begun in 
1983, is a cooperative undertaking of FEMA and 
the private insurance industry. The WYO 
Program operates within the context of the NFIP 
and is subject to its rules and regulations. WYO 
allows participating property and casualty 
insurance companies to write and service federal 
flood insurance in their own names. The 
companies receive an expense allowance for 
policies written and claims processed while the 
federal government retains responsibility for 
under-writing losses. Individual WYO 
Companies may, to the extent possible, and 
consistent with Program rules and regulations, 
conform their flood business to their normal 
business practices for other lines of insurance. 
Many producers have elected to move or place 
their flood policies with one or more of the WYO 
Companies they represent.

In brief, the producer has the following options:

?	Place all business with one or more WYO 
Companies;

?	Place business with both the NFIP directly 
and with one or more WYO Companies; or

?	Continue to place all flood insurance directly 
with the NFIP (referred to as "NFIP direct 
business").



The goals of the Program are to increase the 
policy base, improve services, and involve the 
insurance companies.

III.	TECHNICAL ASSISTANCE

In order to provide the most efficient service to 
policyholders, follow these procedures when 
requesting technical assistance in connection 
with the sale and servicing of Standard Flood 
Insurance Policies.  It is essential that all 
parties—WYO companies, the National Flood 
Insurance Program's Bureau and Statistical 
Agent, the NFIP Servicing Agent, insurance 
agents and adjusters—comply.
	
A.	WYO Companies
	
Agents and adjusters servicing 
flood insurance business 
through one of the Write Your 
Own (WYO) companies should 
direct questions and requests 
for technical assistance to 
the WYO Company itself.  If 
the WYO Company needs 
technical assistance, then it 
will contact its Program 
Coordinator at the NFIP's 
Bureau and 


Statistical Agent. If the 
Program Coordinator, with the 
assistance of technical 
experts at the Bureau, cannot 
provide the needed assistance, 
the Bureau will direct the 
inquiry to FEMA for an answer.
	
B.	NFIP Servicing Agent (NFIP Direct)
	
Agents and adjusters servicing 
flood insurance business 
through the NFIP Servicing 
Agent should contact the NFIP 
Servicing Agent for the answer 
to technical questions or the 
resolution of technical 
problems connected with the 
NFIP.  If the NFIP Servicing 
Agent cannot provide the 
needed assistance, it will 
contact FEMA for an answer.

C.	Special Direct Facility

Agents and adjusters serving 
flood insurance policies 
identified as targeted 
repetitive loss properties 
should contact the Special 
Direct Facility established by 
the NFIP Servicing Agent for 
technical assistance.  See the 
Repetitive Loss section of 
this manual for more 
information.




NFIP SERVICING AGENT CONTACT INFORMATION
FOR NFIP DIRECT PROGRAM AGENTS


The contact information below is for use only by agents/producers who write with the NFIP Direct Program—
that is, the NFIP Servicing Agent.

Agents/producers who write with the NFIP Write Your Own (WYO) Program must submit materials and 
questions to their WYO Companies.



CORRESPONDENCE TYPE



MAILING ADDRESS

TELEPHONE & FAX 
NUMBERS*

Applications (not Submit-for 
Rate)



NFIP Servicing Agent
P.O. Box 29138
Shawnee Mission, KS 66201-9138

Phone 1-800-638-6620
Fax 1-800-742-3148

Endorsements
Cancellations



NFIP Servicing Agent
P.O. Box 2992
Shawnee Mission, KS 66201-1392

Phone 1-800-638-6620
Fax 1-800-742-3148

Submit-for-Rate Applications
	(See pages RATE 23-24)
Underpayment Letters
Underwriting Inquiries and 
Issues
All Other Inquiries


NFIP Servicing Agent
P.O. Box 2965
Shawnee Mission, KS 66201-1365

Phone 1-800-638-6620
Fax 1-800-742-3148

Targeted Repetitive Loss 
Properties


NFIP Special Direct Facility
P.O. Box 29524
Shawnee Mission, KS 66201-5524


Phone 1-800-638-6620
Fax 1-800-742-3148

Renewal Notices (with 
premium payments)
Expiration Notices (with 
premium payments)


NFIP Servicing Agent
P.O. Box 105656
Atlanta, GA 30348-5656

Phone 1-800-638-6620
Fax 1-800-742-3148

Notices of Loss
Written Claims Inquiries
All Other Claims 
Correspondence


NFIP Servicing Agent
P.O. Box 2966
Shawnee Mission, KS 66201-1366


Phone 1-800-767-4341
Fax 1-800-767-5574

Overnight Express Deliveries
Certified Mail

NFIP Servicing Agent
C/o Covansys
13401 W. 98th St.
Lenexa, KS 66215


N/A





*Telecommunication Device for the Deaf (TDD) 1-800-447-9487



NFIP GENERAL CONTACT INFORMATION
FOR ALL NFIP STAKEHOLDERS





		TOPIC


MAILING/WEBSITE 
ADDRESSES


TELEPHONE & FAX 
NUMBERS*

CBRS Areas - Map Panel Listing


www.fema.gov/nfip

N/A

Community Status Book


FEMA Map Service 
Center
P.O. Box 1038
Jessup, MD 20794-1038
www.fema.gov/nfip


Phone 1-800-358-9616
Fax 1-800-358-9620

NFIP Marketing & Advertising


www.floodsmart.gov

N/A

Flood Insurance Manual &
Producer's Edition

FEMA Map Service 
Center
P.O. Box 1038
Jessup, MD 20794-1038
www.fema.gov/nfip


Phone 1-800-358-9616
Fax 1-800-358-9620

Flood Zone Determination 
Companies (list)


www.fema.gov/nfip

N/A

Agent Referral Program
Sign-up Form


www.floodsmart.gov/age
nt

Phone 1-888-786-7693


Maps and Q3 Data

FEMA Map Service 
Center
P.O. Box 1038
Jessup, MD 20794-1038
http://store.msc.fema.go
v


Phone 1-800-358-9616
Fax 1-800-358-9620

Rating Software Information (list)


www.fema.gov/nfip

N/A

Supply Order Forms
	Claims & Underwriting
	Public Awareness Materials


FEMA Distribution 
Center
P.O. Box 2012
Jessup, MD 20794-2012


Phone 1-800-480-2520
Fax 1-301-362-5335


Training on Flood Insurance

www.fema.gov/nfip

Your NFIP Regional 
Office
(See list on following 
pages.)


Write Your Own (WYO) Companies 
(list)

www.fema.gov/nfip

Phone 1-800-480-2520
for Item 073, "The 
Choice Is Yours"



*Telecommunication Device for the Deaf (TDD) 1-800-447-9487


	NATIONAL FLOOD INSURANCE PROGRAM
	BUREAU AND STATISTICAL AGENT

	REGIONAL OFFICES

The National Flood Insurance Program's Bureau and Statistical Agent operates 10 regional offices within 
the continental United States.

The primary function of the regional office is lender and producer training through workshops and individual 
visits.  Other services provided by the regional office 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.






NFIP BUREAU AND
STATISTICAL AGENT
REGIONAL OFFICES

Region I
Suite 200
140 Wood Road
Braintree, MA  02184
(781) 848-1908
(781) 356-4142 (fax)

Region II
Building T, Suite 13
1930 East Marlton Pike
Cherry Hill, NJ  08003-4219
(856) 489-4003
(856) 751-2817 (fax)

Region III
Building T, Suite 13
1930 East Marlton Pike
Cherry Hill, NJ  08003-4219
(856) 489-4003
(856) 751-2817 (fax)

Region IV
Suite 200
1532 Dunwoody Village Parkway
Dunwoody, GA  30338
(770) 396-9117
(770) 396-7730 (fax)

Region IV – Tampa Office
Suite 300
8875 Hidden River Parkway
Tampa, FL  33637
(813) 975-7451
(813) 975-7471 (fax)


NFIP BUREAU AND
STATISTICAL AGENT
REGIONAL STAFF

Thomas Gann
Manager





Vacant






Richard Sobota, CPCU
Manager





Roger Widdifield
Manager





Lynne Magel
Program Specialist


TERRITORY



Connecticut, Maine, 
Massachusetts, New Hampshire, 
Rhode Island, Vermont




New Jersey, New York






Delaware, District of Columbia, 
Maryland, Pennsylvania, Virginia, 
West Virginia




Alabama, Georgia, Kentucky, 
Mississippi, North Carolina, South 
Carolina, Tennessee




Florida



NFIP BUREAU AND
STATISTICAL AGENT
REGIONAL OFFICES

Region V
Suite 209
1111 E. Warrenville Road
Naperville, IL  60563
(630) 577-1407
(630) 577-1437 (fax)

Region VI
Suite 108
15835 Park Ten Place
Houston, TX  77084
(281) 829-6880
(281) 829-6879 (fax)

Region VII
The Courtyard
Suite 13-B
601 North Mur-Len Road
Olathe, KS  66062-5445
(913) 780-4238 or -4247
(913) 780-4368 (fax)

Region VIII
Suite 225
1746 Cole Boulevard
Lakewood, CO  80401
(303) 275-3475
(303) 275-3471 (fax)


Region IX
Suite 103
1532 Eureka Road
Roseville, CA  95661
(916) 780-7889
(916) 780-7905 (fax)

Region X
Suite 108
19125 Northcreek Parkway
Bothell, WA  98011
(425) 488-5820
(425) 488-5011 (fax)


NFIP BUREAU AND
STATISTICAL AGENT
REGIONAL STAFF

Richard Slevin
Manager





Diana Herrera
Manager





Dean Ownby, CPCU
Manager






Norman Ashford, CPCU
Manager






Edie Lohmann
Manager





Leslie Melville
Manager


TERRITORY



Illinois, Indiana, Michigan, 
Minnesota, Ohio, Wisconsin





Arkansas, Louisiana, New 
Mexico, Oklahoma, Texas. 
Interim basis: Puerto Rico, Virgin 
Islands




Iowa, Kansas, Missouri, 
Nebraska







Colorado, Montana, North 
Dakota, South Dakota, Utah, 
Wyoming






Arizona, California, Guam, 
Hawaii, Nevada





Alaska, Idaho, Oregon, 
Washington






	PAPERWORK BURDEN DISCLOSURE NOTICE


GENERAL--This information is provided pursuant to Public Law 96-511 (Paperwork Reduction Act of 1980, 
as amended), dated December 11, 1980, to allow the public to participate more fully and meaningfully in the 
Federal paperwork review process.

AUTHORITY--Public Law 96-511, amended; 44 U.S.C. 3507; and 5 CFR 1320

DISCLOSURE OF BURDEN--Public reporting burden for the collection of information entitled "National 
Flood Insurance Program Policy Forms," is estimated to average 10 minutes per response, excluding the V-
Zone Risk Factor Rating Form.  The estimated burden includes the time for reviewing instructions, 
searching existing data sources, gathering and maintaining the data needed, and completing and reviewing 
the forms.  Reporting burden for these forms, as part of this collection, is listed below.  Send comments 
regarding the burden estimate or any aspect of the collection, including suggestions for reducing the burden, 
to: U.S. Department of Homeland Security, Emergency Preparedness and Response Directorate, Federal 
Emergency Management Agency, 500 C Street, S.W., Washington, D.C. 20472, Paperwork Reduction 
Project (1660-0006).  NOTE: Do not send completed forms to this address.

PRIVACY ACT--The information requested is necessary to process these forms for flood insurance.  The 
authority to collect the information is Title 42, U.S. Code, Section 4001 to 4028.  Furnishing the information 
is voluntary.  It will not be disclosed outside the Federal Emergency Management Agency except to the 
servicing office acting as the government's fiscal agent, to routine users, to agents, and mortgagees named 
on policies.


FEMA FORM NUMBER	TITLE							BURDEN HOURS

81-16				Application for Flood Insurance (New)			12.00 Minutes

81-16				Application for Flood Insurance (Renewal)			7.50 Minutes

81-17				Cancellation/Nullification Request				7.50 Minutes

81-18				General Change Endorsement (w/Premium)		9.00 Minutes

81-18				General Change Endorsement (w/o Premium)		9.00 Minutes

81-25				V-Zone Risk Factor Rating					6.00 Hours

81-67				Preferred Risk Application					15.00 Minutes




GENERAL RULES




IV.	COMMUNITY ELIGIBILITY

D.	Participating (Eligible) Communities

Flood insurance may be written only in those 
communities that have been designated as 
participating in the National Flood Insurance 
Program (NFIP) by the Federal Emergency 
Management Agency (FEMA).

E.	Emergency Program

The Emergency Program is the initial phase of a 
community's participation in the NFIP. Limited 
amounts of coverage are available.

F.	Regular Program

The Regular Program is the final phase of a 
community's participation in the NFIP. In this 
phase, a Flood Insurance Rate Map is in effect 
and full limits of coverage are available.

G.	Maps

Maps of participating communities indicate the 
degree of flood hazard so that actuarial premium 
rates can be assigned for insurance coverage on 
properties at risk. 

1.	Flood Hazard Boundary Map (FHBM) - 
Usually the initial map of a community. 
Some communities entering the Regular 
Program will continue to use FHBMs 
renamed a Flood Insurance Rate Map 
(FIRM), if there is a minimum flood hazard.
1.	
2.	Flood Insurance Rate Map (FIRM) - The 
official map of the community containing 
detailed actuarial risk premium zones.
2.	
3.	Rescission - Participating communities 
in the Emergency Program remain in the 
Emergency Program if an FHBM is 
rescinded.
3.	
H.	Probation

Probation, imposed by the FEMA Regional 
Director, occurs as a result of noncompliance 
with NFIP floodplain management criteria. A 
community is placed on probation for 1 year 
(may 


be extended), during which time a $50 
surcharge is applied to all NFIP policies, 
including the Preferred Risk Policy, issued on or 
after the Probation Surcharge effective date.  
Probation is terminated if deficiencies are 
corrected. However, if a community does not 
take remedial or corrective measures while on 
probation, it can be suspended.

I.	Suspension

Flood insurance may not be sold or renewed in 
communities that are suspended from the NFIP. 
When a community is suspended, coverage 
remains in effect until expiration. These policies 
cannot be renewed.

J.	Non-Participating (Ineligible) 
Communities

When FEMA provides a non-participating 
community with a Flood Hazard Boundary Map 
(FHBM) or Flood Insurance Rate Map (FIRM) 
delineating its flood-prone areas, the community 
is allowed 1 year in which to join the NFIP.  If the 
community chooses not to participate in the 
NFIP, flood insurance is not available.

K.	Coastal Barrier Resources Act

Flood insurance may not be available for 
buildings and/or contents located in coastal 
barriers or otherwise protected areas. See the 
Coastal Barrier Resources System section for 
additional information.

L.	Federal Land

Buildings and/or contents located on land owned 
by the federal government are eligible for flood 
insurance if the federal agency having control of 
the land has met floodplain management 
requirements. All federal land is recorded under 
the local community number even if that local 
community does not have jurisdiction.

V.	POLICIES AND PRODUCTS AVAILABLE

A.	Standard Flood Insurance Policy

The Standard Flood Insurance Policy (SFIP) 
consists of a Dwelling Form, a General Property 
Form, and a Residential Condominium Building 
Association Policy (RCBAP) Form.



B.	Preferred Risk Policy

The Preferred Risk Policy (PRP) is available in 
moderate-risk flood zones B, C, and X. 
Formerly, only single-family and two- to four-
family dwellings were eligible for coverage. 
Effective May 1, 2004, other residential and non-
residential buildings became eligible for 
coverage. For information about specific 
eligibility requirements and other changes in the 
Preferred Risk Policy, see the PRP section of 
this manual.

C.	Residential Condominium Building 
Association Policy (RCBAP)

The RCBAP is a condominium association policy 
that covers the common elements and all 
structural items of the units within a building.  It 
also covers contents owned in common.

D.	Mortgage Portfolio Protection Program 
(MPPP) 

The Mortgage Portfolio Protection Program 
(MPPP) offers a force-placed policy available 
only through a Write Your Own Company.

E.	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.

F.	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.

VI.	BUILDING PROPERTY ELIGIBILITY 

G.	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.

4.	2.	Manufactured (Mobile) 
Homes/Travel Trailers
5.	
6.	Eligible buildings also include:
7.	
?	A manufactured home (a "manu-
factured 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
8.	
?	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.
9.	
10.	NOTE:	All references in this manual to manufactured (mobile) homes include tra-vel trailers without wheels.
11.	
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 foun-
dation 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 man-
agement 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-
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.

12.	3.	Silos and Grain Storage Buildings

4.	Cisterns

5.	Buildings Entirely Over Water - 
Constructed or Substantially Improved 
Before October 1, 1982
13.	
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.
14.	
15.	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.
16.	
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.

9.	Repetitive Loss Target Group Properties

These must be processed by the NFIP Special Direct Facility.  See the Repetitive Loss section of this 
manual for information.

H.	Single Building 

To qualify as a single building structure and be subject to the single building limits of coverage, a building 
must be separated from other buildings by intervening clear space or solid, vertical, load-bearing division 
walls.

A building separated into divisions by solid, vertical, load-bearing walls from its lowest level to its highest 
ceiling may have each division insured as a separate building.  A solid load-bearing interior wall cannot 
have any openings and must not provide access from one building or room into another (partial walls). If 
access is available through a doorway or opening, then the structure must be insured as one building.

Flood insurance for a unit of a multiple-unit complex may be written as a single-building policy, provided 
that: the unit is self contained; it is a separately titled unit contiguous to the ground; it has a separate legal 
description; and it is regarded as a separate property for other real estate purposes, meaning that it has 
most of its own utilities and may be deeded, conveyed, and taxed separately.

Additions and Extensions

The NFIP insures additions and extensions attached to and in contact with the dwelling by means of a 
rigid exterior wall, a solid load-bearing interior wall, a stairway, an elevated walkway, or a roof. At the 
insured's option, additions and extensions connected by any of these methods may be separately 
insured. Additions and extensions attached to and in contact with the building by means of a common 
interior wall that is not a solid load-bearing wall are always considered part of the dwelling and cannot be 
separately insured.

I.	Walls

2.	Breakaway Walls

For an enclosure's wall to qualify as breakaway, it must meet all of the following criteria:

a.	Above ground level; and

b.	Below the elevated floor of an elevated structure; and

c.	Non-structurally supporting (non-load-bearing walls); and

d.	Designed to fail under certain wave force conditions; and

e.	Designed so that, as a result of failure, it causes no damage to the elevated portions of the 
elevated building and/or its supporting foundation system.

3.	Shear Walls

Shear walls are used for structural support, but are not structurally joined or enclosed at the ends 
(except by breakaway walls).  Shear walls are parallel (or nearly parallel) to the flow of the water and 
can be used in any zone.

4.	Solid Perimeter Foundation Walls
17.	
Solid perimeter foundation walls are used as a means of elevating the building in A Zones and must 
contain proper openings to allow for the unimpeded flow of floodwaters more than 1 foot deep.

Solid perimeter foundation walls are not an acceptable means of elevating buildings in V/VE Zones.
18.	
J.	Determination of Building Occupancy

The following terms should be used to determine the appropriate occupancy classification:

5.	Single Family Dwellings

These are non-condominium residential buildings designed for principal use as a dwelling place for one 
family, or a single-family dwelling unit in a condominium building. Residential single family dwellings are 
permitted incidental occupancies, including structures with office, professional, private school, or studio 
occupancies, including a small service operation, if such occupancies are limited to less than 50 percent 
of the building's total floor area.
19.	
20.	2.	2-4 Family Dwellings
21.	
These are non-condominium residential buildings designed for principal use as a dwelling place of two 
to four families. Residential buildings, excluding hotels and motels with normal room rentals for less 
than 6 months' duration and containing no more than 4 dwelling units, are permitted incidental 
occupancies (see D.1 above). The total area of incidental occupancy is limited to less than 25 percent of 
the total floor area within the building.
22.	
3.	Other Residential Buildings
23.	
These include hotels or motels where the normal occupancy of a guest is 6 months or more, or a 
tourist home or rooming house which has more than four roomers. This also includes residential 
buildings, excluding hotels and motels with normal room rentals for less than 6 months' duration and 
containing more than four dwelling units. These buildings are permitted incidental occupancies (see D.1 
above). The total area of incidental occupancy is limited to less than 25 percent of the total floor area 
within the building. Examples of other residential buildings include dormitories and assisted living 
facilities.
24.	
4.	Non-Residential Buildings
25.	
26.	This category includes all other eligible occupancies (e.g., garages, poolhouses, recreational 
buildings, agricultural buildings, licensed bed and breakfasts, nursing homes, etc.).
27.	
VII.	CONTENTS ELIGIBILITY
28.	
K.	Eligible Contents
29.	
Contents must be located in a fully enclosed building or secured to prevent flotation out of the building.

L.	Vehicles and Equipment

The NFIP covers self-propelled vehicles or machines, provided they are not licensed for use on public 
roads and are:


1.	Used mainly to service the described location; or

2.	Designed and used to assist handicapped persons;

while the vehicles or machines are inside a building at the described location.

M.	Silos, Grain Storage Buildings, and Cisterns

Contents located in silos, grain storage buildings, and cisterns are insurable.

N.	Commercial Contents Coverage

Commercial contents in a residential property must be insured on the General Property Form.

VIII.	EXAMPLES OF ELIGIBLE RISKS

Since the question of coverage eligibility has frequently been raised, examples of eligible risks are 
provided below.

O.	Building Coverage

6.	Cooperative Building--Entire Building in Name of Cooperative (General Property Form)

Cooperative buildings where at least 75 percent of the area of the building is used for residential 
purposes are considered as residential occupancies, and can be insured for a maximum building 
coverage of $250,000 in a Regular Program community under the General Property Form. Since they are 
not in the condominium form of ownership, they cannot be insured under the RCBAP.
30.	
7.	Time Sharing Building--Entire Building in Name of Corporation (General Property Form)
31.	
Timeshare buildings not in the condominium form of ownership where at least 75 percent of the area of the 
building is used for residential purposes are considered as residential occupancies under the NFIP, and can 
be insured for a maximum building coverage of $250,000 under the General Property Form.

Timeshare buildings in the condominium form of ownership are eligible for coverage and must be insured 
under the RCBAP. These buildings are subject to the same eligibility, rating, and coverage requirements as 
other condominiums, including the requirement that 75 percent of the area of the building be used for 
residential purposes.

P.	Contents Coverage

Parts and equipment as open stock—not part of specific vehicle or motorized equipment—are eligible for 
coverage.

Q.	Condominiums

Refer to pages CONDO 3 and 4.

IX.	INELIGIBLE PROPERTY

R.	Buildings

Coverage may not be available for buildings that are constructed or altered in such a way as to place 
them in violation of state or local floodplain management laws, regulations, or ordinances. 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.

S.	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.

T.	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.

U.	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.

V.	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.

W.	Building Coverage

8.	Boat Repair Dock
32.	
9.	Boat Storage Over Water
33.	
10.	Boathouses (exceptions on page GR 3)
34.	
11.	Camper
35.	
12.	Cooperative Unit Within Cooperative Building
36.	
37.	6.	Decks (except for steps and landing; maximum landing area of 16 sq. ft.)
38.	
39.	7.	Drive-In Bank Teller Unit (located outside walls of building)
40.	
8.	Fuel Pump

41.	9.	Gazebo (unless it qualifies as a building)

42.	10.	Greenhouse (unless it has at least two rigid walls and a roof)
43.	
44.	11.	Hot tub or spa (unless it is installed as a bathroom fixture)
45.	
46.	12.	Open Stadium
47.	
48.	13.	Pavilion (unless it qualifies as a building)
49.	
50.	14.	Pole Barn (unless it qualifies as a building)

51.	15.	Pumping Station (unless it qualifies as a building)
52.	
53.	16.	Storage Tank--Gasoline, Water, Chemicals, Sugar, etc.

54.	17.	Swimming Pool Bubble
55.	
56.	18.	Swimming Pool (indoor or outdoor)
57.	
58.	19.	Tennis Bubble
59.	
60.	20.	Tent
61.	
62.	21.	Time Sharing Unit Within Multi-Unit Building

63.	22.	Travel Trailer (unless converted to a permanent onsite building meeting the community's 
floodplain management permit requirements)
64.	
65.	23.	Water Treatment Plant (unless 51 percent of its actual cash value is above ground)
66.	
B.	Contents Coverage

9.	Automobiles--Including Dealer's Stock (assembled or not)
67.	
10.	Bailee's Customer Goods--Including garment contractors, cleaners, shoe repair shops, processors of 
goods belonging to others, and similar risks

11.	Contents Located in a Structure Not Eligible for Building Coverage
68.	
12.	Contents Located in a Building Not Fully Walled and/or Contents Not Secured Against Flotation

13.	Motorcycles--Including Dealer's Stock (assembled or not)

14.	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 coverage only may 
be purchased by the unit owner.

VIII.	POLICY EFFECTIVE DATE

D.	Evidence of Insurance

A copy of the Flood Insurance Application and premium payment, or a copy of the declarations page, is 
sufficient evidence of proof of purchase. The NFIP does not recognize an oral binder or contract of 
insurance.

B.	Start of Waiting Period

There is a standard 30-day waiting period for new applications and for endorsements to increase 
coverage.

15.	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.
69.	
16.	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.
70.	
71.	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 mortgage portfolio reviews)--The 30-day waiting period does not apply 
when flood insurance is required as a result of a lender determining that a loan on a building in a 
Special Flood Hazard Area (SFHA) that does not have flood insurance coverage should be protected 
by flood insurance. The coverage is effective upon the completion of an application and the 
presentment of payment of premium. (Example: presentment of premium and application date--April 3, 
policy effective date--April 3.) The waiting period rule listed under B.1 or B.2 must be used.

4.	New Policy (when the initial purchase of flood insurance is in connection with the 
revision or updating of a Flood Hazard Boundary Map or Flood Insurance Rate Map)--
During the 13-month period beginning on the effective date of the map revision, the 
effective date of a new policy shall be 12:01 a.m., local time, following the day after the 
application date and the presentment of premium. This rule only applies where the Flood 
Hazard Boundary Map (FHBM) or Flood Insurance Rate Map (FIRM) is revised to show the 
building to be in a Special Flood Hazard Area (SFHA) when it had not been in an SFHA. 
(Example: FIRM revised--January 1, 2005, policy applied for and presentment of premium--
August 3, 2005, policy effective date--August 4, 2005.) The waiting period rule listed under 
B.1 or B.2 above must be used.
72.	
5.	New Policy (in connection with the purchase of an RCBAP)--When a condominium 
association is purchasing a Residential Condominium Building Association Policy (RCBAP), 
the 30-day waiting period does not apply if the condominium association is required to 
obtain flood insurance as part of the security for a loan under the name of the condominium 
association. The coverage is effective upon completion of an application and presentment 
of premium. The waiting period rule listed under B.1 or B.2 above does not apply.
73.	
74.	In all other circumstances, the 30-day waiting period applies, and the waiting period rule listed under 
B.1 or B.2 above must be used.
75.	
6.	New Policy (submit-for-rate application)-- With three exceptions (described below), the 
effective date of a new policy will be 12:01 a.m., local time, on the 30th calendar day after 
the presentment of premium. 
76.	
77.	The three exceptions are as follows.
78.	
79.	First, there is no waiting period if the initial purchase of flood insurance on a submit-for-rate 
application is in connection with making, increasing, extending, or renewing a loan, provided that the 
policy is applied for and the presentment of premium is made at or prior to the loan closing.  The 
waiting period rule listed under B.1 or B.2 above does not apply.
80.	
Second, the 30-day waiting period does not apply when flood insurance is required as a result of a 
lender determining that a loan which does not have flood insurance coverage should be protected by 
flood insurance, because the building securing a loan is located in an SFHA. The coverage is 
effective upon the completion of an application and the presentment of payment of premium. This 
exemption from the 30-day waiting period applies only to loans in SFHAs, i.e., those loans for which 
the statute requires flood insurance. The waiting period rule listed under B.1 or B.2 above must be 
applied.

Third, during the 13-month period beginning on the effective date of a map revision, the effective 
date of a new policy shall be 12:01 a.m., local time, following the day after the date the increased 
amount of coverage is applied for and the presentment of additional premium is made. This rule 
applies only on an initial purchase of flood insurance where the Flood Hazard Boundary Map 
(FHBM) or Flood Insurance Rate Map (FIRM) is revised to show the building to be in an SFHA when 
it had not been in an SFHA. The waiting period rule listed under B.1 or B.2 must be applied.

7.	New Policy (rewrite Standard to PRP)--The 30-day waiting period does not apply when 
an insured decides to rewrite the existing policy at the time of renewal from Standard to a 
Preferred Risk Policy (PRP), provided that the selected PRP coverage limit amount is no 
higher than the next highest PRP amount above that which was carried on the Standard 
policy using the highest of building and contents coverage.  In those cases where the 
Standard policy has only one kind of coverage, either building or contents only, the 30-day 
waiting period applies.
81.	In addition, if the structure is no longer eligible under the PRP or the insured decides to rewrite the 
existing PRP at renewal time to a Standard policy, the 30-day waiting period does not apply 
provided the coverage limit amount is no more than the previous PRP coverage amount or the next 
highest PRP amount above that.
82.	
8.	New Policy (contents only)--Unless the contents are part of the security for a loan, the 
30-day waiting period applies to the purchase of contents-only coverage.
83.	
9.	New Policy (documentation required)--The insurer may rely on an agent's representation 
on the application that the loan exception applies unless there is a loss during the first 30 
days of the policy period.  In that case, the insurer must obtain documentation of the loan 
transaction, such as settlement papers, before adjusting the loss.
84.	
10.	Community's Initial Entry or Conversion from Emergency to Regular Program--Process 
according to rules 1 through 9 above and 11 below.
85.	
11.	Endorsements--With two exceptions (described below), the effective date for a new 
coverage or an increase in limits on a policy in force shall be 12:01 a.m., local time, on the 
30th calendar day following the date of endorsement and the presentment of additional 
premium, or on such later date set by the insured to conform with the reason for the 
change.
86.	
87.	The two exceptions are as follows.
88.	
First, during the 13-month period beginning on the effective date of a map revision, the effective date of 
an endorsement of an existing policy shall be 12:01 a.m., local time, following the day after the 
application date and the presentment of premium. This rule applies only where the FHBM or FIRM is 
revised to show the building to be in an SFHA when it had not been in an SFHA.

Second, the 30-day waiting period does not apply when the additional amount of flood insurance is 
required in connection with the making, increasing, extending, or renewing of a loan, such as a 
second mortgage, home equity loan, or refinancing. The increased amount of flood coverage shall 
be effective at the time of loan closing, provided that the increased amount of coverage is applied for 
and the presentment of additional premium is made at or prior to the loan closing. The waiting period 
rule listed under B.1 or B.2 above does not apply.

12.	Renewals (inflation increase option)--The 30-day waiting period does not apply when an 
additional amount of insurance is requested at renewal time that is no more than the 
amount of increase recommended by the insurer on the renewal bill to keep pace with 
inflation.  The increased amount of coverage will be effective at 12:01 a.m. on the date of 
policy renewal provided the premium for the increased coverage is received before the 
expiration of the grace period.
89.	
13.	Renewals (higher PRP limits)--The waiting period does not apply to a renewal offer to 
the insured for the next higher limits available under the PRP.
90.	
14.	Renewals (deductible reduction)--The 30-day waiting period does not apply to a 
reduction of the deductible effective as of the renewal date.
91.	
IX.	COVERAGE
92.	
E.	Limits of Coverage
93.	
94.	Coverage may be purchased subject to the maximum limits of coverage available under the 
Program phase in which the community is participating. Duplicate policies are not allowed.
95.	
F.	Deductibles
96.	
97.	Deductibles apply separately to building coverage and to contents coverage.
98.	
G.	Coverage D - Increased Cost of Compliance (ICC) Coverage

For all new and renewal policies effective on or after May 1, 2003, the ICC limit of liability is $30,000.

The SFIP pays for complying with a State or local floodplain management law or ordinance affecting repair 
or reconstruction of a structure suffering flood damage.  Compliance activities eligible for payment are: 
elevation, floodproofing, relocation, or demolition (or any combination of these activities) of the insured 
structure. Eligible floodproofing activities are limited to non-residential structures and residential structures 
with basements that satisfy FEMA's standards published in the Code of Federal Regulations [44 CFR 60.6 
(b) or (c)].
99.	
ICC coverage is mandatory for all Standard Flood Insurance Policies, except that coverage is not available 
for:

1.	Policies issued or renewed in the Emergency Program.
100.	

2.	Condominium units, including townhouse/ rowhouse condominium units. (The condominium 
association is responsible for complying with mitigation requirements.)

3.	Group Flood Insurance Policies.

4.	Appurtenant structures, unless covered by a separate policy.

ICC coverage contains exclusions in addition to those highlighted here.  See the policy for a list of 
exclusions.

To be eligible for claim payment under ICC, a structure must:
101.	
a.	Be a repetitive loss structure as defined, for which NFIP paid a previous qualifying claim, in addition to 
the current claim. The state or community must have a cumulative, substantial damage provision or 
repetitive loss provision in its floodplain management law or ordinance being enforced against the 
structure; OR
102.	
b.	Be a structure that has sustained substantial flood damage.  The state or community must have a 
substantial damage provision in its floodplain management law or ordinance being enforced against 
the structure.
103.	
The ICC premium is not eligible for the deductible discount.  First calculate the deductible discount, then add 
in the ICC premium for each policy year.
104.	
D.	Reduction of Coverage Limits or Reformation

In the event that the premium payment received is not sufficient to purchase the amounts of insurance 
requested, the policy shall be deemed to provide only such insurance as can be purchased for the entire 
term of the policy for the amount of premium received.
105.	
106.	Complete provisions for reduction of coverage limits or reformation are described in:

1.	Dwelling Form, section VII, paragraph G.
107.	
2.	General Property Form, section VII, paragraph G.
108.	
3.	Residential Condominium Building Asso-ciation Policy, section VIII, paragraph G. 
109.	
X.	SPECIAL RATING SITUATIONS

H.	Tentative Rates

110.	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.

I.	Submit-For-Rate

111.	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 8 for the applicable waiting period.
112.	
113.	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.
114.	
115.	Pre-FIRM risks may not be rated using the submit-for-rate process.
116.	
J.	Provisional Rates

Rules applicable to provisionally rated policies are provided in the Provisional Rating section of this 
manual.

K.	Buildings in More Than One Flood Zone

117.	Buildings, not the land, located in more than one flood zone must be rated using the more hazardous 
zone. 
118.	
119.	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

L.	Policy Term

120.	The policy term available is 1 year for both NFIP Direct business policies and policies written through 
WYO Companies.
121.	
M.	Application Submission

122.	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.
123.	
124.	
125.	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 7.

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.

N.	Delivery of the Policy
126.	
127.	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.
128.	


O.	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.

P.	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 endorse-ments 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.

APPLICATION





XII.	USE OF THE FORM

The NFIP Flood Insurance Application form, or a 
similar form for WYO companies, must be used 
for all flood insurance policies except the 
Preferred Risk Policy.

This section includes important guidance to 
carry out the regulatory intent and instructions 
on the rating of the different building types.

The flood insurance rate to be applied to a 
building in the NFIP is determined by 
establishing:

?	Whether the building is Post-FIRM 
construction or Pre-FIRM construction.

?	The building description with regard to:

	-	Building occupancy
	-	Building type
	-	Basement type
	-	Elevated building type

?	The flood risk zone

?	The elevation of the building

XIII.	TYPES OF BUILDINGS

For purposes of the NFIP, distinctions have 
been made among the following building types:

?	No basement

	-	One floor
	-	Split level
	-	Two or more floors

?	Unfinished basement

	-	Split level
	-	Two or more floors

?	Finished basement

	-	Split level
	-	Two or more floors

?	Manufactured (mobile) home, including 
doublewide, or travel trailer, on foundation

?	Elevated building

	-	No enclosure
	-	With enclosure (including crawl space)
An elevated building is 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.

For Post-FIRM buildings in V Zones, 
elevated on solid perimeter foundation 
walls, submit the Application to the NFIP 
Bureau's Underwriting Department for 
rating.

XIV.	SCHEDULED BUILDING POLICY

1.	To obtain a Scheduled Building Policy, an 
Application must be completed for each 
building and/or contents for which coverage 
is requested.
	
2.	For each scheduled building (building and/or 
contents coverage), the Federal Policy Fee 
is $30.00 per building
	
3.	All Flood Insurance Application forms must 
be completed in accordance with all Flood 
Insurance Manual rules and the Scheduled 
Building Policy qualifications.
	
4.	If requesting a Scheduled Building Policy, 
indicate Building #1, Building #2, etc., in the 
upper right corner of each Application. 
Staple together the Applications as a single 
unit.

XV.	COMPLETING PART 1 OF THE FLOOD 
INSURANCE APPLICATION FORM

The following are instructions for completing 
Part 1 of the Flood Insurance Application form.

Q.	Policy Status

In the upper right corner of the form, check the 
appropriate box to indicate if the application is 
for a NEW policy or a RENEWAL of an existing 
policy. If the application is for a renewal, enter 
the current 10-digit NFIP policy number.

R.	Policy Term (Billing/Policy Period)

Check the appropriate box to indicate who 
should receive the renewal bill. If BILL FIRST 
MORTGAGEE is checked, complete "First 
Mortgagee" section. If BILL SECOND 
MORTGAGEE, BILL LOSS PAYEE, or BILL 
OTHER is checked, provide mailing instructions 
in the "Second Mortgagee or Other" section.


Enter the policy effective date and policy 
expiration date (month-day-year).  The effective 
date of the policy is determined by adding the 
appropriate waiting period to the date of 
application listed in the "Signature" section. The 
standard waiting period is 30 days.

NOTE:	Refer to the General Rules section, 
page GR 8, for exceptions to the 
standard waiting period.

S.	Agent Information

Enter the producer's name, agency name and 
number, address, city, state, ZIP Code, 
telephone number, and fax number. Enter the 
producer's Tax I.D. Number or Social Security 
Number.

T.	Insured Mail Address

Enter the name, mailing address, city, state, ZIP 
Code, and telephone number of the insured. 
Reporting the insured's Tax I.D. Number or 
Social Security Number is optional.

If the insured's mailing address is a post office 
box or a rural route number, or if the address of 
the property to be insured is different from the 
mailing address, the "Property Location" section 
of the Application must be completed. If there is 
more than one building at the property location, 
see "H. Property Location" in the next column for 
further instructions.

U.	Disaster Assistance

Check YES if flood insurance is being required 
for disaster assistance. Identify the Government 
(disaster) agency, and enter the complete name 
and mailing address of the disaster agency. 
Enter the insured's case file number, Tax I.D. 
Number, or Social Security Number.

If NO is checked, no further information is 
required.

V.	First Mortgagee

Enter the name, mailing address, city, state, ZIP 
Code, telephone number, and fax number of the 
first mortgagee. Enter the loan number. If not 
available at the time of application, the loan 
number should be added to the policy by 
submitting a General Change Endorsement 
form.

For condominium association applications, the 
mortgagees for the individual condominium unit 
owners must not be entered here. The General 
Property Form and RCBAP provide coverage for 
the entire building and the real property 
elements, including all units within the building 
and the improvements within the units.
	
W.	Second Mortgagee Or Other

Identify additional mortgagees by checking the 
appropriate box and entering the loan number, 
the mortgagee's name, mailing address, 
telephone number, and fax number. 

For condominium associations, follow the 
appropriate instructions provided under "F. First 
Mortgagee."

If more than one additional mortgagee or 
disaster assistance agency exists, provide the 
requested information on the insurance agency's 
letterhead and attach the letterhead to the 
Application form. Provide the disaster assistance 
case number or the insured's Social Security 
Number.

X.	Property Location

Check YES if the location of the property being 
insured is the same as the insured's mailing 
address entered in the "Insured Mail Address" 
section. Leave the rest of the section blank 
unless there is more than one building at the 
property location.

If more than one building is at the location of the 
insured property, use the "Property Location" 
section to specifically identify the building. An 
example would be where five buildings with the 
same mailing address and location are insured 
with separate policies. Describe briefly the 
building (barn, silo, etc.) in this section or submit 
a sketch showing the location of insured 
buildings to assist the NFIP in matching the 
policy number to the specific building insured. A 
clear description of the insured's property is 
important.

If NO, provide address or location of the 
property to be insured.

If the insured's mailing address is a post office 
box or rural route number, give the street 
address, legal description, or geographic 
location of the property.

Y.	Community

Enter the name of the county or parish where 
the property is located.

Check YES if the property is located in an 
unincorporated area of a county; otherwise, 
check NO.
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 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 com-
munities.

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.




Z.	Building

Complete all required information in this section. 

?	Building Occupancy

	Indicate the type of occupancy for the 
building (i.e., single family, 2-4 family, other 
residential, or non-residential).

?	Basement or Enclosed Area Below an 
Elevated Building

	Indicate whether the building contains a 
basement (i.e., lowest floor is below ground 
on all sides).  If an enclosure is the lowest 
floor for rating, use the "With Basement/ 
Enclosure" Rate Table to determine the rate.

	If the enclosure is not the lowest floor for 
rating, use the "Without Basement/ 
Enclosure" Rate Table and describe the 
building as "Without Basement/Enclosure." In 
A zones, this means that the enclosure was 
designed with proper openings; in Post-FIRM 
V zones constructed before October 1, 1981, 
the enclosure is less than 300 square feet 
with breakaway walls and no machinery or 
equipment in the enclosure is below the 
BFE. 

	The writing company may use the 
"Obstruction Type" description provided in 
the Transaction Record Reporting and 
Processing (TRRP) Plan to show the 
enclosure on the policy declarations page.

?	Small Business Risk 

	Indicate Yes or No.

?	Number of Floors or Building Type

	Indicate the number of floors in the entire 
building, including the basement/enclosed 
area if applicable, in the appropriate space.

If the building type is a townhouse/rowhouse 
being covered under an RCBAP, check 
"Townhouse/Rowhouse (RCBAP Lowrise 
Only)."

		If the building is a manufactured (mobile) 
home or travel trailer on a foundation, check 
"Manufactured (Mobile) Home on 
Foundation" regardless of the building's size. 
Dimensions of manufactured (mobile) homes 
and travel trailers are used only for 
determining replacement cost eligibility, not 
for rating.

?	Number of Occupancies (Units)

	For other than single family dwellings, 
indicate the number of units.

?	Condo Coverage

If condominium coverage is being 
purchased, indicate whether the coverage is 
for a condominium unit or the entire 
condominium building.

?	Residential Condominium Building Asso-
ciation 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.

?	Estimated Replacement Cost

Using normal company practice, estimate 
the replacement cost value and enter the 
value in the space provided. Include the cost 
of the building foundation when determining 
the replacement cost value.

?	Insured's Principal Residence

	Indicate whether the building is the 
policyholder's principal residence.

?	Building in Course of Construction

	Indicate whether the building is in the course 
of construction.

?	Deductible and Deductible Buyback

Enter the deductible amount for building 
and/or contents. Also indicate whether the 
applicant is "buying back" a $500 deductible. 
Refer to page RATE 12 to buy back a $500 
deductible. (See deductible factors on pages 
RATE 13 and CONDO 22.)

?	Elevated Building

Indicate whether this is an elevated building. 
If it is, also indicate, in the next block, 
whether the area below the lowest elevated 
floor is free of obstruction or with 
obstruction.

For all elevated buildings using 
elevation for rating, complete 
Part 2 on the back of the Flood 
Insurance Application after you 
have completed Part 1.


?	Describe Building and Use

For other than 1-4 family dwellings, describe 
the insured building and its use. This 
includes manufactured (mobile) homes and 
travel trailers, other residential structures, 
and non-residential buildings. For all 
manufactured (mobile) homes and travel 
trailers, complete Part 2 on the back of the 
Flood Insurance Application after you have 
completed Part 1.

?	State Government Ownership of Property

Check YES if the property is owned by state 
government; otherwise, check NO.

AA.	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.

BB.	Construction Data

129.	Construction Date

Check one of the five blocks in the first part of this 
section, and enter the appropriate date for the date 
of construction or building permit date. (For 
substantial improvement, see the "Substantial 
Improvement Exception" instructions that 
follow.)

In the Emergency Program, provide the 
month/day/year of construction. If the month and 
day are unknown, enter July 1 (07/01) and enter 
the best information for the year of construction. 
The rest of the sections should be left blank.

If the building was constructed or substantially 
improved on or before December 31, 1974, or 
before the effective date of the initial FIRM for 
the community, the building is considered Pre-
FIRM construction. Otherwise, the building is 
considered Post-FIRM.

If the building was substantially improved, enter the 
actual month, day, and year that substantial 
improvement started or the building permit date.

If the building was substantially damaged, enter the 
actual month, day, and year that substantial 
damage occurred. Substantial improvement 
includes buildings that have incurred "substantial 
damage" regardless of the actual repair work 
performed. The agent must obtain and submit a 
statement from a community official before the 
building can be considered substantially 
damaged.

If the policy is for a manufactured (mobile) home or 
travel trailer located outside a manufactured 
(mobile) home park or subdivision, enter the date 
of permanent placement of the manufactured 
(mobile) home. See the Rating section of this 
manual for rules for manufactured (mobile) 
homes located in manufactured (mobile) home 
parks and subdivisions.

Compare the date of 
construction or substantial 
improvement with the 
effective date of the initial 
FIRM to determine if the 
building was constructed Pre- 
or Post- the effective date 
of the initial FIRM.

?	Substantial Improvement Exception 

For new applications, renewal 
applications, and 
endorsements when making a 
rating correction concerning 
a substantial improvement to 
a Pre-FIRM building where the 
improvement is an addition to 
the building and it meets the 
conditions of Pre-FIRM 
construction, found on pages 
RATE 15-16 of this manual, 
the producer should complete 
the Construction Data section 
of the Application as 
follows:

a.	Enter the date of 
construction for the Pre-FIRM part 
of the building (not the date of 
construction of the addition). This 
date will be shown as the 
construction date on the 
declarations page.

b.	Do not respond to the 
question IS BUILDING POST-FIRM 
CON-STRUCTION? 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.

130.	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. The lowest 
adjacent grade is not required for 
buildings without estimated BFE located 
in AO and unnumbered A and V zones. 
Policies rated using the Floodproofing 
Certificate do not require either the 
lowest adjacent grade or the diagram 
number.

In communities that participate in the 
NFIP's Community Rating System 
(CRS), building elevation information 
may be available from the community 
office in charge of building permits or 
floodplain management.

?	Elevation Information for Buildings in 
the Course of Construction

When the building is in the 
course of construction, the 
elevation information 
provided by the surveyor on 
the Elevation Certificate 
(EC) must be based on the 
proposed architectural plans. 
The NFIP requires the agent 
to describe and rate the 
structure based on the 
proposed plans. 

Buildings in the course of 
construction are to be rated 
the same as completed 
construction. A renewal 
application and a new EC are 
required at renewal time. For 
example, if the building is 
elevated and the proposed 
plans show an enclosure, the 
building must be described as 
elevated with an enclosure. 
The only exception is when an 
EC was prepared in the course 
of construction, and the 
surveyor was able to provide 
all elevation information 
required on the EC.

?	Lowest Floor Elevation and 
Related Items

Use the eight building diagrams on 
pages CERT 18-19 to determine the 
correct lowest floor. See pages LFG 1-7 
for information about determining the 
lowest floor for rating.  When entering 
elevation data, drop hundredths of a 
foot and show only tenths of a foot.  For 
example, if the elevation difference is 
10.49', enter 10.4'; do not round up to 
10.5'.

?	Wave Height Adjustment

In Zones V, V1-V30, and VE, 
if NO is checked for the 
question about Effects of 
Wave Action, refer to page 
RATE 29 for guidelines for 
FIRMS with wave heights.

?	Floodproofing

If YES is checked for Floodproofed and 
the FIRM zone entered in the 
Community section of the Application is 
V, V1-V30, or VE, the Application must 
be submitted to the NFIP for 
underwriting and rating.  For all other 
zones, refer to pages RATE 30-31 for 
elevation difference and rating 
guidelines.

?	Elevation Certification

Enter the elevation certification date for 
all new business applications.

CC.	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.

DD.	Signature

The producer must sign the Application and is 
responsible for the completeness and accuracy 
of the information provided on it. Enter the date 
of application (month/day/year). The waiting 
period is added to this date to determine the 
policy effective date of the policy listed in the 
Policy Term section.  A check or money order 
for the Total Prepaid Amount, payable to the 
NFIP, must accompany the application.

A credit card payment by VISA, MasterCard, 
Diner's Club, or American Express will also be 
acceptable if a disclaimer form, signed by the 
insured, is submitted with the Flood Insurance 
Application. The disclaimer will state that 
cancellation of a policy due to a billing dispute 
will be permitted only for a billing error or fraud. 
If the credit card information is taken over the 
telephone by the producer, the producer may 
sign the authorization form on behalf of the 
payor only after having read the disclaimer to 
the payor.

XVI.	COMPLETING PART 2 OF THE FLOOD 
INSURANCE APPLICATION FORM

After completing Part 1 of the Flood Insurance 
Application, the producer must complete all 
relevant items in Part 2 of the Application for the 
following risks:

?	Post-FIRM construction located in Zones 
A1-A30, AE, AH, AO, A, V1-V30, VE, and V.

?	Pre-FIRM construction using optional Post-
FIRM rating located in Zones A1-A30, AE, 
AH, AO, A, V1-V30, VE, and V.

Part 2 of the Application collects information 
about risk factors affecting the building, 
occupancy information, and elevation data 
relative to the ground level. A completed 
Elevation Certificate must be attached to the 
Application before sending it to the NFIP.

To complete Part 2 of the Application, the 
producer must:

?	Obtain all necessary information from the 
applicant. Then select the building diagram 
that best illustrates the applicant's building. 
These diagrams are shown in the Elevation 
Certificate and Instructions, which are 
reproduced in the Special Certifications 
section of this manual.
?	Transcribe the information from the 
applicant and Elevation Certificate onto Part 
2 of the Application. For renewal applica-
tions, enter the policy number in the space 
at the top of the form. Be sure to have the 
applicant or the applicant's representative 
sign and date the bottom of the form.

The applicant or the applicant's representative 
must complete all numbered sections of the 
form, check all appropriate boxes, provide all 
information, and respond to all YES/NO 
questions that are applicable to the building. 
(For example, Section II should be completed 
only for Elevated Buildings.)

	SECTION I—ALL BUILDING TYPES

1.	The number of the building diagram 
selected is entered here. Use the diagrams 
shown at the end of the Elevation 
Certificate and Instructions.

2.-4.The agent may obtain the requested 
elevation information from Section C of the 
Elevation Certificate, or the applicant or the 
applicant's representative may provide this 
information. If the applicant or the 
applicant's representative furnishes these 
measurements, they must be taken with a 
ruler or tape measure. All measurements 
are rounded to the nearest foot using the 
ground (grade) immediately next to the 
building.

	NOTE: The terms "grade" and "ground" are 
used interchangeably. The intent is 
that man-made alterations of the 
grade, such as a declining driveway 
into a building or a dugout entrance 
to a basement, do not represent 
ground level.

5.	If "OTHER" is checked in Question 5b, a 
brief description of the source must be 
provided.

6.	If the answer to Question 6a is NO, 
Question 6b should be disregarded.

7.	If the answer to Question 7a is NO, 
Questions 7b, 7c, 7d, and 7e should be 
ignored.

	SECTION II—ELEVATED BUILDINGS

If the building is a manufactured (mobile) 
home/travel trailer that has been elevated, 
complete this section in addition to Sections I 
and III.
8.	Check the type of foundation used for the 
building.

9.	If YES is checked, check the appropriate 
item(s).

10.	Refer to page LFG 1 to verify that the area 
below the elevated floor satisfies the 
definition of an enclosed area.  

	If Question 10a is NO, do not answer 
Questions 10b through 10f.
   
	In Question 10b, enter the size of the area 
in square feet.
   
	If Question 10c is YES, check the single 
most appropriate of boxes 1-4.
   
In Question 10d, check YES if the area is 
constructed with openings (excluding 
doors), within 1 foot of adjacent grade, to 
allow the passage of flood waters. Enter 
the number of openings and their total area 
in square inches.

	If Question 10e is YES, provide a 
description.

	In Question 10f, check YES if the enclosed 
area has more than 20 linear feet of 
finished wall, paneling, etc.; otherwise, 
check NO.

	SECTION III—MANUFACTURED (MOBILE)
	HOMES/TRAVEL TRAILERS

11.		Fill in the make, year of manufacture, 
model number, and serial number.

12.		Enter the dimensions, excluding any 
permanent addition or extension to the 
manufactured (mobile) home or travel 
trailer.

13.		Check YES if permanent additions or 
extensions are present; otherwise, check 
NO.  If YES, enter dimensions.

14.		If OTHER is checked, describe the 
anchoring system.

15.		Check the appropriate box for how the 
manufactured (mobile) home was installed.

16.	Check YES if the manufactured (mobile) 
home is located in a manufactured (mobile) 
home park or subdivision; otherwise, check 
NO.
XVII.	MAILING INSTRUCTIONS

After completing all sections on the Application, 
attach all required certifications or other 
documents to the applicant's check, draft, or 
money order, payable to the NFIP for the Total 
Prepaid Amount.

A credit card payment by VISA, MasterCard, 
Diner's Club, or American Express will also be 
acceptable if a disclaimer form, signed by the 
insured, is submitted with the Flood Insurance 
Application. The disclaimer will state that 
cancellation of a policy due to a billing dispute 
will be permitted only for a billing error or fraud. 
If the credit card information is taken over the 
telephone by the producer, the producer may 
sign the authorization form on behalf of the 
payor only after having read the disclaimer to 
the payor.

Mail the original copy of the Application with the 
Total Prepaid Amount to the NFIP. Distribute 
copies of the Application to the agency file, the 
applicant, and the mortgagee. A copy of the 
Application and a copy of the premium payment 
are sufficient to satisfy the mortgagee's proof-of-
purchase requirements.

After receipt of the Application and total prepaid 
amount, the NFIP will process the Application 
and issue the policy. The policy contract and 
declarations page will be mailed to the insured. 
Copies of the declaration page will be mailed to 
the producer and mortgagee(s).



XVIII.	HANDLING OF INCOMPLETE OR 
INCORRECT APPLICATIONS

If an Application is not complete, or if the 
information presented on the Application is not 
correct, the Application will not be processed but 
will be placed in a pending file until the 
completed or corrected information is provided 
by the producer. For the NFIP direct business, if 
the missing information is not provided, a policy 
will be issued using Tentative Rates. If 
insufficient information is available to tentatively 
rate the policy, the flood insurance will be 
rejected and the premium remittance refunded.

For NFIP direct business, in the case of incom-
plete applications, the NFIP Servicing Agent will 
send the producer a transmittal document and a 
letter requesting the incomplete or missing 
information. Copies of this letter will be provided 
to the named insured and mortgagee(s). The 
producer should provide the additional or 
corrected information to the NFIP Servicing 
Agent along with the transmittal document.

Since coverage cannot be conferred in excess 
of the coverage that can be purchased for the 
amount presented (received by the NFIP), it is 
important that underpayment errors be corrected 
immediately. In the case of an underpayment, 
when both building and contents coverage have 
been requested, the coverage reduction will be 
prorated between building and contents in 
accordance with NFIP rules. The ratio of building 
to contents coverage for the full requested 
coverage will be used to determine the portion of 
the submitted premium available to purchase 
building and contents coverage.


 




 
RATING



This section contains information, including rate 
tables, required to accurately rate a flood 
insurance policy.  Information and rates for the 
Preferred Risk Policy (PRP) and Residential 
Condominium Building Association Policy 
(RCBAP) are found in their respective sections.

The detailed drawings, and 
accompanying text and tables, 
in the Lowest Floor Guide 
section are to be used as a 
guide for identifying the 
lowest floor for rating 
buildings.  This guide will 
assist in developing the 
proper rate for the building.


Examples of some rating 
situations are shown on pages 
RATE 47 through RATE 61.

A premium table for single family Pre-FIRM 
buildings located in Special Flood Hazard Areas 
(SFHAs) is located on page RATE 11. These 
premiums were calculated using Rate Table 2. 
This premium table is included in this manual to 
help the agent more easily quote premiums for 
buildings that do not require elevation 
certification.




XIX.	AMOUNT OF INSURANCE AVAILABLE



REGULAR PROGRAM


EMERGENCY
PROGRAM
Basic
Insurance
Limits
Additional
Insurance
Limits
Total
Insurance
Limits
BUILDING COVERAGE

Single Family Dwelling
2-4 Family Dwelling
Other Residential
Non-Residential



	$  35,000 *
	$  35,000 *
	$100,000**
	$100,000**


$  50,000
$  50,000
$150,000
$150,000


$200,000
$200,000
$100,000
$350,000


$250,000
$250,000
$250,000
$500,000

CONTENTS COVERAGE

Residential
Non-Residential




	$  10,000
	$100,000



$  20,000
$130,000



$  80,000
$370,000



$100,000
$500,000

	 *	In Alaska, Guam, Hawaii, and U.S. Virgin Islands, the amount available is $50,000.
	**	In Alaska, Guam, Hawaii, and U.S. Virgin Islands, the amount available is $150,000.

	NOTE:	For RCBAP, refer to CONDO Section for basic insurance limits and maximum 
	coverage available.



XX.	RATE TABLES



Rate tables are provided for the Emergency 
Program and for the Regular Program according 
to Pre-FIRM, Post-FIRM, and zone 
classifications. Tables 1-5 show annual rates per 



$100 of coverage. Table 6 provides 
precalculated Pre-FIRM premiums for various 
coverage limits. See Table 7 for Federal Policy 
Fee and Probation Surcharge.






TABLE 1.  EMERGENCY PROGRAM RATES
ANNUAL RATES PER $100 OF COVERAGE
(Basic/Additional)














Building

Contents




Residential

.76

  .96




Non-Residential

.83

1.62












TABLE 2.  REGULAR PROGRAM -- PRE-FIRM CONSTRUCTION RATES1
ANNUAL RATES PER $100 OF COVERAGE
(Basic/Additional)
FIRM ZONES A, AE, A1-A30, AO, AH, D
OCCUPANCY
Single Family
2-4 Family
Other Residential
Non-Residential


Building
Contents
Building
Contents
Building
Content
s
Building
Content
s

No 
Basement/Enclosure
.76 / .34
.96 / .60
.76 / .34

.76 / .70

.83 / .60


With Basement
.81 / .50
.96 / .50
.81 / .50

.76 / .58

.88 / .58


With Enclosure
.81 / .60
.96 / .60
.81 / .60

.81 / .74

.88 / .74


Manufactured (Mobile) 
Home2
.76 / .34
.96 / .60




.83 / .60


Basement & Above



.96 / .50

.96 / .50

1.62 / 
1.00

Enclosure & Above



.96 / .60

.96 / .60

1.62 / 
1.20

Lowest Floor Only - 
Above 
Ground Level



.96 / .60

.96 / .60

1.62 / 
.51

Lowest Floor Above 
Ground 
Level and Higher Floors



.96 / .41

.96 / .41

1.62 / 
.51

Above Ground Level - 
More
than One Full Floor



.35 / .12

.35 / .12

.24 / .12

Manufactured (Mobile) 
Home2







1.62 / 
.51










FIRM ZONES V, VE, V1-V30
OCCUPANCY
Single Family
2-4 Family
Other Residential
Non-Residential


Building
Contents
Building
Contents
Building
Content
s
Building
Content
s

No 
Basement/Enclosure
.99 / .88
1.23 / 
1.58
.99 / .88

.99 / 1.66

1.10 / 
1.66


With Basement
1.06 / 
1.34
1.23 / 
1.33
1.06 / 
1.34

1.06 / 
2.49

1.16 / 
2.49


With Enclosure
1.06 / 
1.58
1.23 / 
1.58
1.06 / 
1.58

1.06 / 
2.79

1.16 / 
2.79


Manufactured (Mobile) 
Home2
.99 / 
4.18
1.23 / 
1.58




1.10 / 
7.03


Basement & Above



1.23 / 
1.33

1.23 / 
1.33

2.14 / 
2.95

Enclosure & Above



1.23 / 
1.58

1.23 / 
1.58

2.14 / 
3.21

Lowest Floor Only - 
Above
Ground Level



1.23 / 
1.58

1.23 / 
1.58

2.14 / 
2.67

Lowest Floor Above 
Ground
Level and Higher Floors



1.23 / 
1.39

1.23 / 
1.39

2.14 / 
2.28

Above Ground Level - 
More
than One Full Floor



.47 / .29

.47 / .29

.45 / .39

Manufactured (Mobile) 
Home2







2.14 / 
6.53










FIRM ZONES A99, B, C, X
OCCUPANCY
Single Family
2-4 Family
Other Residential
Non-Residential


Building
Contents
Building
Contents
Building
Content
s
Building
Content
s

No 
Basement/Enclosure
.64 / .14
.99 / .25
.64 / .14

.57 / .14

.57 / .14


With Basement
.73 / .20
1.12 / 
.35
.73 / .20

.78 / .20

.78 / .20


With Enclosure
.73 / .23
1.12 / 
.40
.73 / .23

.78 / .23

.78 / .23


Manufactured (Mobile) 
Home2
.64 / .31
.99 / .25




.78 / .29


Basement & Above



1.26 / .46

1.26 / 
.46

1.30 / 
.48

Enclosure & Above



1.26 / .53

1.26 / 
.53

1.30 / 
.53

Lowest Floor Only - 
Above
Ground Level



.99 / .48

.99 / .48

.80 / .29

Lowest Floor Above 
Ground 
Level and Higher Floors



.99 / .25

.99 / .25

.80 / .25

Above Ground Level - 
More 
than One Full Floor



.35 / .12

.35 / .12

.22 / .12

Manufactured (Mobile) 
Home2







.70 / .43

1   Start of construction or substantial improvement on or before 12/31/74, or before the effective date of the 
initial Flood Insurance Rate 
	Map (FIRM).  If FIRM Zone is unknown, use rates for Zones A, AE, A1-A30, AO, AH, D. 
2  The definition of Manufactured (Mobile) Home includes travel trailers.  See page APP 3.



TABLE 3A.  REGULAR PROGRAM -- POST-FIRM CONSTRUCTION RATES
ANNUAL RATES PER $100 OF COVERAGE
(Basic/Additional)










FIRM ZONES A99, B, C, X
OCCUPANCY
Single Family
2-4 Family
Other Residential
Non-Residential


Building
Contents
Building
Contents
Building
Contents
Building
Contents

No Basement/Enclosure
.64 / .14
.99 / .25
.64 / .14

.57 / .14

.57 / .14


With Basement
.73 / .20
1.12 / .35
.73 / .20

.78 / .20

.78 / .20


With Enclosure
.73 / .23
1.12 / .40
.73 / .23

.78 / .23

.78 / .23


Manufactured (Mobile) 
Home1
.64 / .31
.99 / .25




.78 / .29


Basement & Above



1.26 / .46

1.26 / .46

1.30 / .48

Enclosure & Above



1.26 / .53

1.26 / .53

1.30 / .53

Lowest Floor Only - 
Above
Ground Level



.99 / .48

.99 / .48

.80 / .29

Lowest Floor Above 
Ground 
Level and Higher Floors



.99 / .25

.99 / .25

.80 / .25

Above Ground Level - 
More
than One Full Floor



.35 / .12

.35 / .12

.22 / .12

Manufactured (Mobile) 
Home1







.70 / .43










FIRM ZONE D
OCCUPANCY
Single Family
2-4 Family
Other Residential
Non-Residential


Building
Contents
Building
Contents
Building
Contents
Building
Contents

No Basement/Enclosure
.84 / .32
.96 / .57
.84 / .32

.91 / .57

.91 / .57


With Basement
***
***
***

***

***


With Enclosure
***
***
***

***

***


Manufactured (Mobile) 
Home1
1.10 / .62
1.09 / .66




2.07 / .77


Basement & Above



***

***

***

Enclosure & Above



***

***

***

Lowest Floor Only - 
Above 
Ground Level



.96 / .57

.96 / .57

1.62 / .52

Lowest Floor Above 
Ground
Level and Higher Floors



.96 / .39

.96 / .39

1.62 / .49

Above Ground Level - 
More 
than One Full Floor



.35 / .12

.35 / .12

.24 / .12

Manufactured (Mobile) 
Home1







1.62 / .52










FIRM ZONES AO, AH  ("No Basement" Buildings Only)2






Building
Contents
OCCUPANCY




1-4 
Family
Other 
Res & 
Non-Res
Residenti
al
Non- 
Residenti
al
With Certification of Compliance3 



.25 / .06
.21 / .06
.34 / .11
.21 / .11
Without Certification of Compliance or Elevation 
Certificate4


.77 / .17
.84 / .30
.97 / .20
1.63 / .25
1	The definition of Manufactured (Mobile) Home includes travel trailers.  See page APP 3.
2 	Zones AO, AH Buildings With Basement/Enclosure:  Submit for Rating
3	 "With Certification of Compliance" rates are to be used when the Elevation Certificate shows that the lowest 
floor is equal to or greater than the community's elevation requirement.
4	"Without Certification of Compliance" rates are to be used only on Post-FIRM structures without an Elevation 
Certificate or when the Elevation Certificate shows that the lowest floor elevation of a Post-FIRM structure is 
less than the community's elevation requirement.
*** SUBMIT FOR RATING



TABLE 3B.  REGULAR PROGRAM -- POST-FIRM CONSTRUCTION RATES
ANNUAL RATES PER $100 OF COVERAGE
(Basic/Additional)



FIRM ZONES  AE, A1-A30  --  BUILDING RATES



One Floor, No
Basement/Encl
 
 
 



Elevation of 
Lowest Floor 
Above or 
Below BFE1
1-4 Family
Other 
Residential 
& Non-
Residential
1-4 Family
Other 
Residential 
& Non-
Residential
1-4 Family
Other 
Residential 
& Non-
Residential
Single 
Family
Non-
Residential


+4
.24 / .08
.20 / .08
.24 / .08
.20 / .08
.24/ .08
.20 / .08
.24 / .08
.20 / .08


+3
.24 / .08
.20 / .08
.24 / .08
.20 / .08
.24 / .08
.20 / .08
.25 / .08
.22 / .08


+2
.32 / .08
.26 / .08
.24 / .08
.20 / .08
.24 / .08
.20 / .08
.31 / .08
.25 / .08


+1
.59 / .08
.45 / .10
.38 / .08
.28 / .08
.29 / .08
.22 / .08
.73 / .09
.72 / .08


 0
1.08./ .08
.97 / .20
.77 / .08
.59 / .16
.56 / .08
.50 / .16
1.67 / .09
1.62 / .08


 -13
2.70 / 1.00
3.85 / 1.35
2.40 / .90
3.00 / .69
1.35 / .52
1.46 / .74
***
***


-2
***
***
***
***
***
***
***
***













FIRM ZONES  AE, A1-A30  --  CONTENTS RATES







Elevation of 
Lowest Floor
 
 
 
 



Above or
Below BFE1
Residential
Non-
Residential
Residential
Non-
Residential
Residential
Non-
Residential
Single 
Family
Non-
Residential


+4
.38 / .12
.22 / .12
.38 / .12
.22 / .12
.38 / .12
.22 / .12
.38 / .12
.22 / .12


+3
.38 / .12
.23 / .12
.38 / .12
.22 / .12
.38 / .12
.22 / .12
.38 / .12
.22 / .12


+2
.38 / .12
.24 / .12
.38 / .12
.24 / .12
.38 / .12
.22 / .12
.38 / .12
.31 / .14


+1
.59 / .12
.33 / .18
.41 / .12
.28 / .12
.38 / .12
.22 / .12
.59 / .12
.48 / .20


 0
1.10 / .12
.68 / .45
.72 / .12
.48 / .27
.40 / .12
.29 / .12
1.21 / .12
1.01 / .64


 -13
3.01 / .75
1.94 / 1.26
1.78 / .58
1.37 / .77
.48 / .12
1.06 / .12
***
***


-2
***
***
***
***
***
***
***
***







FIRM ZONES  AE, A1-A30  --  CONTENTS RATES




Elevation of
Above Ground Level


Lowest Floor
More than One Full Floor


Above or 
Below BFE1
Single Family
2-4 Family
Other Residential
Non-Residential


+4


.35 / .12
.35 / .12
.22 / .12


+3


.35 / .12
.35 / .12
.22 / .12


+2


.35 / .12
.35 / .12
.22 / .12


+1


.35 / .12
.35 / .12
.22 / .12


 0


.35 / .12
.35 / .12
.22 / .12


-1


.35 / .12
.35 / .12
.22 / .12


-2


.35 / .12
.37 / .12
.24 / .12


1   If Lowest Floor is –1 because of attached garage, submit application for special consideration.  Rate may be lower.
2    The definition of Manufactured (Mobile) Home includes travel trailers.  See page APP 3.
3   Use Submit-for-Rate guidelines if the enclosure below the lowest elevated floor of an elevated building or if the 
crawl 

    space (under-floor space) that has its interior floor within 2 feet below grade on all sides, which is used for rating, 
is 1 or
        more feet below BFE.
***  SUBMIT FOR RATING


TABLE 3C.  REGULAR PROGRAM -- POST-FIRM CONSTRUCTION RATES
ANNUAL RATES PER $100 OF COVERAGE
(Basic/Additional)








UNNUMBERED ZONE A  -- WITHOUT BASEMENT/ENCLOSURE1


BUILDING RATES
CONTENTS RATES



Occupancy
Occupancy


Elevation 
Difference to 
nearest foot

1-4 Family

Other & Non- 
Residential

Residential2

Non-
Residential2

TYPE OF ELEVATION
CERTIFICATE

+5  or  more
.36 / .10
.48 / .15
.62 / .12
.65 / .12


+2  to  +4
.80 / .12
.83 / .20
.82 / .17
.89 / .23
NO  ESTIMATED

+1
1.56 / .56
1.76 / .75
1.40 / .63
1.33 / .72
BASE  FLOOD  
ELEVATION3

0  or  below
***
***
***
***


+2  or  more
.32 / .08
.34 / .09
.50 / .12
.49 / .12


0  to  +1
.77 / .10
.67 / .17
.72 / .15
.76 / .21
WITH  THE  ESTIMATED

-1
2.50 / .93
3.17 / 1.02
2.08 / .67
1.84 / 1.02
BASE  FLOOD  
ELEVATION4

-2  or  below
***
***
***
***


No Elevation 
Certificate

2.93 / 1.20

3.96 / 1.70

2.61 / 1.00

2.74 / 1.35

No Elevation Certificate








1   Zone A building with basement (including crawl space below grade on all sides) or enclosure  --  Submit 
for Rating.
2   For elevation rated risks other than Single Family, when contents are located one floor or more above 
lowest floor used 
    used for rating  --  use  .35 /.12.





3   Elevation difference is the measured distance between the highest adjacent grade next to the building
    and the lowest floor of the building.




4   Elevation difference is the measured distance between the estimated BFE provided by the community
    or registered professional engineer, surveyor, or architect and the lowest floor of the building.

***  SUBMIT FOR RATING






















TABLE 3D.  REGULAR PROGRAM -- POST-FIRM CONSTRUCTION RATES
ANNUAL RATES PER $100 OF COVERAGE
(Basic/Additional)



FIRM ZONES '75-81,  V1-V30, VE  --  BUILDING RATES1



One Floor, No
Basement/Encl
More than One Floor,
No Basement/Encl
More than One Floor,
With Basement/Encl
Manufactured 
(Mobile)
Home2


Elevation of 
Lowest Floor 
Above or 
Below BFE
1-4 Family
Other 
Residential 
& Non-
Residential
1-4 Family
Other 
Residential 
& Non-
Residential
1-4 Family
Other 
Residential 
& Non-
Residential
Single 
Family
Non-
Residenti
al


  03
1.90 / .34
2.30 / .89
1.53 / .34
1.66 / .83
1.33 / .34
1.49 / .67
2.84 / .28
4.07 / .25


 -14
4.06 / 2.08
6.05 / 3.33
3.72 / 2.08
5.22 / 2.53
2.63 / 1.88
2.75 / 2.57
***
***


-2
***
***
***
***
***
***
***
***













FIRM ZONES '75-81,  V1-V30, VE  --  CONTENTS RATES






Elevation of

Lowest Floor Only --
Above Ground Level
(No Basement/Encl.)
Lowest Floor
Above Ground Level
& Higher Floors (No
Basement/Encl.)

More than One 
Floor With
Basement/Enclosure

Manufactured 
(Mobile)
Home2


Lowest Floor
Above or 
Below BFE
Residential
Non-
Residential
Residential
Non-
Residential
Residential
Non-
Residential
Single 
Family
Non-
Residenti
al


 03
2.94 / .41
2.60 / 1.91
1.92 / .45
1.82 / 1.13
1.08 / .50
1.08 / .50
2.83 / .45
2.95 / 
2.43


 -14
6.47 / 3.14
6.35 / 5.53
3.82 / 2.43
4.35 / 3.45
1.27 / .50
3.88 / .50
***
***


-2
***
***
***
***
***
***
***
***















FIRM ZONES '75-81,  V1-V30, VE  --  CONTENTS RATES




Elevation of
Above Ground Level


Lowest Floor
More than One Full Floor


Above or 
Below BFE
Single Family
2-4 Family
Other Residential
Non-Residential


 03


.55 / .25
.55 / .25
.42 / .25


 -14


.55 / .25
.55 / .25
.42 / .25


-2


.55 / .25
.55 / .25
.46 / .25













1   Policies for 1975 through 1981 Post-FIRM and Pre-FIRM buildings in Zones VE and V1-V30 will be allowed 
to use                  the Post-'81 V Zone rate table if the rates are more favorable to the insured. See 
instructions on page RATE 23 for V Zone Optional Rating.
2  The definition of Manufactured (Mobile) Home includes travel trailers. See page APP 3.
3   These rates are to be used if the lowest floor of the building is at or above BFE.
4   Use Submit-for-Rate guidelines if the enclosure below the lowest elevated floor of an elevated building, which is 
used for
         rating, is 1 or more feet below BFE. 
*** SUBMIT FOR RATING





FIRM ZONES '75-'81, UNNUMBERED V ZONE
SUBMIT FOR RATING




TABLE 3E.  REGULAR PROGRAM -- POST-FIRM CONSTRUCTION RATES
ANNUAL RATES PER $100 OF COVERAGE

















1981 POST-FIRM V1-V30, VE ZONE RATES1











Elevation of the 
lowest floor
above or below 
BFE adjusted 
for
wave height2
Elevated Buildings Free of Obstruction3







Contents

Building 







Residential

Non-Residential
Replacement 
Cost Ratio .75 or 
More4
Replacement 
Cost Ratio .50 to 
.744
Replacement 
Cost Ratio Under 
.504





+4 or more
.30
.30
.50
.67
1.00





+3
.30
.30
.60
.80
1.20





+2
.42
.44
.75
1.00
1.50





+1
.73
.78
1.08
1.44
2.02





 0
1.12
1.20
1.39
1.86
2.61





-1
1.62
1.68
1.83
2.42
3.14





-2
2.26
2.38
2.41
3.16
4.03





-3
3.10
3.30
3.10
4.15
5.26





-4 or below
***
***
***
***
***





    

1Policies for 1975 through 1981 Post-FIRM and Pre-FIRM buildings in Zones VE and V1-V30 will be 
allowed to use the Post-'81 V Zone rate table if the rates are more favorable to the insured. See 
instructions on page RATE 23 for V Zone Optional Rating.
2Wave height adjustment is not required in those cases where the Flood Insurance Rate Map indicates 
that the map includes wave height.
3Free of Obstruction—The space below the lowest elevated floor must be completely free of obstructions 
or any attachment to the building, or may have:
(1) Insect screening, provided that no additional supports are required for the screening; or
(2) Wooden or plastic lattice with at least 40 percent of its area open and made of material no thicker 
than ½ inch; or
(3) Wooden or plastic slats or shutters with at least 40 percent of their area open and made of material 
no thicker than 1 inch.
Any of these systems must be designed and installed to collapse under stress without jeopardizing the 
structural support of the building, so that the impact on the building of abnormally high tides or wind-
driven water is minimized. Any machinery or equipment below the lowest elevated floor must be at or 
above the BFE.
4These percentages represent building replacement cost ratios, which are determined by dividing the 
amount of building coverage being purchased by the replacement cost. See page RATE 20 for more 
details.

***   SUBMIT FOR RATING

1981 POST-FIRM V1-V30, VE ZONE
Non-Elevated Buildings
SUBMIT FOR RATING

1981 POST-FIRM UNNUMBERED V ZONE
SUBMIT FOR RATING




TABLE 3F.  REGULAR PROGRAM -- POST-FIRM CONSTRUCTION RATES
ANNUAL RATES PER $100 OF COVERAGE



1981 POST-FIRM V1-V30, VE ZONE RATES1,2


Elevation of the 
lowest floor
above or below
BFE adjusted for 
wave height3
Elevated Buildings With Obstruction4



Contents

Building 



Residential

Non-Residential
Replacement 
Cost
Ratio .75 or 
More5
Replacement 
Cost
Ratio .50 to .745
Replacement 
Cost
Ratio Under .505

+4 or more
.40
.40
1.10
1.48
2.20

+3
.40
.40
1.22
1.61
2.45

+2
.50
.50
1.38
1.80
2.75

+1
.85
.90
1.60
2.15
3.10

 0
1.21
1.28
1.88
2.58
3.50

-16
1.68
1.78
2.24
2.97
4.00

-26
2.33
2.48
2.79
3.66
4.75

-36
3.18
3.38
3.58
4.66
6.00

-4 or below6
***
***
***
***
***



1   Policies for 1975 through 1981 Post-FIRM and Pre-FIRM buildings in Zones VE and V1-V30 will be 
allowed to use the Post-'81 V Zone rate table if the rates are more favorable to the insured. See 
instructions on page RATE 23 for V Zone Optional Rating.
2   Rates provided are only for elevated buildings, except those elevated on solid perimeter foundation 
walls. For buildings elevated on solid perimeter foundation walls, and for non-elevated buildings, use 
the Specific Rating Guidelines document.
3  Wave height adjustment is not required in those cases where the Flood Insurance Rate Map indicates 
that the map includes wave height.
4	With Obstruction—The space below has an area of less than 300 square feet with breakaway solid 
walls or contains equipment below the BFE. If the space below has an area of 300 square feet or more, 
or if any portion of the space below the elevated floor is enclosed with non-breakaway walls, submit for 
rating.
5  These percentages represent building replacement cost ratios, which are determined by dividing the 
amount of building coverage being purchased by the replacement cost. See page RATE 20 for more 
details.
6  For buildings with obstruction, use Submit-for-Rate guidelines if the enclosure below the lowest 
elevated floor of an elevated building, which is used for rating, is 1 or more feet below BFE.


 ***  SUBMIT FOR RATING

1981 POST-FIRM UNNUMBERED V ZONE
SUBMIT FOR RATING















TABLE 4.  REGULAR PROGRAM -- FIRM ZONE AR AND AR DUAL ZONES RATES
ANNUAL RATES PER $100 OF COVERAGE
(Basic/Additional)

PRE-FIRM NOT ELEVATION-RATED RATES1, 2
OCCUPANCY
Single Family
2-4 Family
Other Residential
Non-Residential


Building
Contents
Building
Contents
Building
Contents
Building
Conten
ts
B
UI
L
DI
N
G
T
Y
P
E
No Basement/Enclosure
.64 / .14
.99 / .25
.64 / .14

.57 / .14

.57 / .14


With Basement
.73 / .20
1.12 / 
.35
.73 / .20

.78 / .20

.78 / .20


With Enclosure
.73 / .23
1.12 / 
.40
.73 / .23

.78 / .23

.78 / .23


Manufactured (Mobile) 
Home3
.64 / .31
.99 / .25




.78 / .29

C
O
N
T
E
N
T
S
 
L
O
C
A
T
I
O
N
Basement & Above



1.26 / 
.46

1.26 / .46

1.30 / 
.48

Enclosure & Above



1.26 / 
.53

1.26 / .53

1.30 / 
.53

Lowest Floor Only - Above 
Ground Level



.99 / .48

.99 / .48

.80 / 
.29

Lowest Floor Above 
Ground 
Level and Higher Floors



.99 / .25

.99 / .25

.80 / 
.25

Above Ground Level - 
More
than One Full Floor



.35 / .12

.35 / .12

.22 / 
.12

Manufactured (Mobile) 
Home3







.70 / 
.43











1   Start of construction or substantial improvement on or before 12/31/74, or before the effective date of the 
initial Flood Insurance Rate 
	Map (FIRM).
2   Base Deductible is $1,000.
3   The definition of Manufactured (Mobile) Home includes travel trailers.  See Page APP 3.

POST-FIRM NOT ELEVATION-RATED RATES1
OCCUPANCY
Single Family
2-4 Family
Other Residential
Non-Residential


Building
Contents
Building
Contents
Building
Contents
Building
Conten
ts
B
UI
L
DI
N
G
T
Y
P
E
No Basement/Enclosure
.64 / .14
.99 / .25
.64 / .14

.57 / .14

.57 / .14


With Basement
.73 / .20
1.12 / 
.35
.73 / .20

.78 / .20

.78 / .20


With Enclosure
.73 / .23
1.12 / 
.40
.73 / .23

.78 / .23

.78 / .23


Manufactured (Mobile) 
Home2
.64 / .31
.99 / .25




.78 / .29

C
O
N
T
E
N
T
S
 
L
O
C
A
T
I
O
N
Basement & Above



1.26 / 
.46

1.26 / .46

1.30 / 
.48

Enclosure & Above



1.26 / 
.53

1.26 / .53

1.30 / 
.53

Lowest Floor Only - Above 
Ground Level



.99 / .48

.99 / .48

.80 / 
.29

Lowest Floor Above 
Ground 
Level and Higher Floors



.99 / .25

.99 / .25

.80 / 
.25

Above Ground Level - 
More
than One Full Floor



.35 / .12

.35 / .12

.22 / 
.12

Manufactured (Mobile) 
Home2







.70 / 
.43











1   Base Deductible is $500.
2   The definition of Manufactured (Mobile) Home includes travel trailers.  See page APP 3.



TABLE 5.  REGULAR PROGRAM -- PRE-FIRM AND POST-FIRM 
ELEVATION-RATED RATES
ANNUAL RATES PER $100 OF COVERAGE
(Basic/Additional)





FIRM ZONES AR and AR Dual Zones  --  BUILDING RATES



One Floor, No
Basement/Encl
 
 
 



Elevation of 
Lowest Floor 
Above or 
Below BFE
1-4 Family
Other 
Residential 
& Non-
Residential
1-4 Family
Other 
Residential 
& Non-
Residential
1-4 Family
Other 
Residential 
& Non-
Residential
Single 
Family
Non-
Residential


+4
.24 / .08
.20 / .08
.24 / .08
.20 / .08
.24 / .08
.20 / .08
.24 / .08
.20 / .08


+3
.24 / .08
.20 / .08
.24 / .08
.20 / .08
.24 / .08
.20 / .08
.25 / .08
.22 / .08


+2
.32 / .08
.26 / .08
.24 / .08
.20 / .08
.24 / .08
.20 / .08
.31 / .08
.25 / .08


+1
.59 / .08
.45 / .10
.38 / .08
.28 / .08
.29 / .08
.22 / .08
.64 / .09
.72 / .08


 0
.64 / .14
.57 / .14
.77 / .08
.57 / .14
.56 / .08
.50 / .16
.64 / .31
.78 / .29


 -12
See Footnote2
***
***
***
***
***
***
***













FIRM ZONES AR and AR Dual Zones  --  CONTENTS RATES







Elevation of 
Lowest Floor
 
 
 
 



Above or
Below BFE
Residential
Non-
Residential
Residential
Non-
Residential
Residential
Non-
Residential
Single 
Family
Non-
Residential


+4
.38 / .12
.22 / .12
.38 / .12
.22 / .12
.38 / .12
.22 / .12
.38 / .12
.22 / .12


+3
.38 / .12
.23 / .12
.38 / .12
.22 / .12
.38 / .12
.22 / .12
.38 / .12
.22 / .12


+2
.38 / .12
.24 / .12
.38 / .12
.24 / .12
.38 / .12
.22 / .12
.38 / .12
.31 / .14


+1
.59 / .12
.33 / .18
.41 / .12
.28 / .12
.38 / .12
.22 / .12
.59 / .12
.48 / .20


 0
1.10 / .12
.80 / .29
.72 / .12
.48 / .27
.40 / .12
.29 / .12
.99 / .25
.70 / .43


-12
See Footnote2
***
***
***
***
***
***
***







FIRM ZONES AR and AR Dual Zones  --  CONTENTS RATES




Elevation of
Above Ground Level


Lowest Floor 
Above or
More than One Full Floor


Below BFE
Single Family
2-4 Family
Other Residential
Non-Residential


+4


.35 / .12
.35 / .12
.22 / .12


+3


.35 / .12
.35 / .12
.22 / .12


+2


.35 / .12
.35 / .12
.22 / .12


+1


.35 / .12
.35 / .12
.22 / .12


 0


.35 / .12
.35 / .12
.22 / .12


-13


.35 / .12
.35 / .12
.22 / .12


-23


.35 / .12
.35 / .12
.22 / .12


1   The definition of Manufactured (Mobile) Home includes travel