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 trailers.  See page APP 3.
2   Use Table 4 Pre-FIRM and Post-FIRM Not Elevation-Rated AR and AR Dual Zones Rate Table.
3  These rates are only applicable to Contents-only policies.


The definition of Manufactured (Mobile) Home includes travel trailers.  See page APP 3.




TABLE 6.
PRECALCULATED PRE-FIRM PREMIUM TABLE


AMOUNT OF
INSURANCE

PREMIUM1 EXCLUDING ICC2 
AND FEDERAL POLICY FEE3


A, AE, A1-A30, AH, AO, D
V, VE, V1-V30

w/bsmt
w/o bsmt
w/bsmt
w/o bsmt
BUILDING




	$  20,000
$   162
$   152
$   212
$   198
	$  30,000
$   243
$   228
$   318
$   297
	$  40,000
$   324
$   304
$   424
$   396
	$  50,000
$   405
$   380
$   530
$   495
	$  60,000
$   455
$   414
$   664
$   583
	$  70,000
$   505
$   448
$   798
$   671
	$  80,000
$   555
$   482
$   932
$   759
	$  90,000
$   605
$   516
$1,066
$   847
	$100,000
$   655
$   550
$1,200
$   935
	$125,000
$   780
$   635
$1,535
$1,155
	$150,000
$   905
$   720
$1,870
$1,375
	$175,000
$1,030
$   805
$2,205
$1,595
	$200,000
$1,155
$   890
$2,540
$1,815
	$225,000
$1,280
$   975
$2,875
$2,035
	$250,0004
$1,405
$1,060
$3,210
$2,255
CONTENTS




	$    5,000
$  48
$  48
$     62
$     62
	$  10,000
$  96
$  96
$   123
$   123
	$  15,000
$144
$144
$   185
$   185
	$  20,000
$192
$192
$   246
$   246
	$  25,000
$217
$222
$   313
$   325
	$  30,000
$242
$252
$   379
$   404
	$  40,000
$292
$312
$   512
$   562
	$  50,000
$342
$372
$   645
$   720
	$  60,000
$392
$432
$   778
$   878
	$  70,000
$442
$492
$   911
$1,036
	$  80,000
$492
$552
$1,044
$1,194
	$  90,000
$542
$612
$1,177
$1,352
	$100,000
$592
$672
$1,310
$1,510

1	Premium before applying any CRS credits or optional deductible factors.
2	For building coverage amounts of $230,000 and less, add $75 to the building premium
	selected from the table above to cover ICC cost, except for D zones.  For 
D zones add $6.
	For building coverage amounts above $230,000, see Footnote 4 below.
3	Add $30 to the premium selected from the table above to cover Federal Policy Fee.
4	Add $60 to cover the ICC cost for the $250,000 building limit, except for D zones.
	For D zones add $4.





TABLE 7. FEDERAL POLICY FEE AND PROBATION SURCHARGE TABLE

FEDERAL POLICY FEE1
PROBATION
SURCHARGE



$30

$50

1	For the Preferred Risk Policy, the Federal Policy Fee is $11.00.






XXI.	DEDUCTIBLES

As shown in Table 8A below, 
the NFIP standard deductible 
is either $500 or $1,000. The 
insured may choose a 
deductible amount different 
from the standard $500 for 
Post-FIRM or the standard 
$1,000 for structures in the 
Emergency Program and those 
rated using Pre-FIRM rates in 
Zones A, AO, AH, A1-A30, AE, 
VO, V1-V30, VE, V, AR, and AR 
Dual Zones (AR/AE, AR/AH, 
AR/AO, AR/A1-A30, AR/A). The 
optional deductible amount may 
be applied to policies 
insuring properties in either 
Emergency Program or Regular 
Program communities. Refer to 
page CONDO 22 for Residential 
Condominium Building 
Association Policy optional 
deductibles.

EE.	Buy-Back Deductibles

Policyholders who wish to 
reduce their deductibles from 
the standard deductibles of 
$1,000 for Pre-FIRM SFHA risks 
may opt to 


purchase separate $500 
deductibles for building and 
contents coverages, for an 
additional premium. The 
deductible factors provided on 
pages RATE 13 and CONDO 22 
must be used to calculate the 
deductible surcharge.

FF.	Changes in Deductible Amount

The amount of the deductible 
may be increased during the 
policy term by submitting a 
completed General Change 
Endorsement form. The 
deductible amount may be 
reduced through the submission 
of a new Application at the 
time of renewal.  This 
procedure does not require the 
completion of the entire Flood 
Insurance Application. 
Deductibles cannot be reduced 
mid-term unless required by 
the mortgagee and written 
authorization is provided by 
the mortgagee. A 30-day 
waiting period will be applied 
to reduce the deductible.





TABLE 8A. STANDARD DEDUCTIBLES





EMERGENCY
PROGRAM

REGULAR PROGRAM




Flood Zone


Pre-FIRM
Pre-FIRM with
Optional Post-FIRM
Elevation Rating


Post-FIRM

$1,000






B, C, X, A99, D

	$500	





	$500



A, AO, AH, A1-A30, 
AE,
VO, V1-V30, VE, V, 
AR, 
AR/AE, AR/AH, AR/AO,
AR/A1-A30, AR/A


	$1,000



	$500


	$500




TABLE 8B. DEDUCTIBLE FACTORS

Single Family and 2-4 Family Building and Contents Policies1,2
Deductible Options:
Building
/Content
s
Post-FIRM
$500 Ded.
Pre-FIRM
$1,000 Ded.
Deductib
le 
Options:
Building
/Content
s
Post-FIRM
$500 Ded.
Pre-FIRM
$1,000 Ded.
$   500/   $500
	1.000
1.100
$4,000/$1,000
	.835
	.850
$1,000/   $500
	.975
1.050
$4,000/$2,000
	.810
	.825
$1,000/$1,000
	.960
1.000
$4,000/$3,000
	.785
	.800
$2,000/   $500
	.930
1.000
$4,000/$4,000
	.765
	.775
$2,000/$1,000
	.915
.950
$5,000/   $500
	.810
	.875
$2,000/$2,000
	.890
.925
$5,000/$1,000
	.800
	.825
$3,000/   $500
	.890
.950
$5,000/$2,000
	.785
	.800
$3,000/$1,000
	.875
.900
$5,000/$3,000
	.770
	.780
$3,000/$2,000
	.850
.875
$5,000/$4,000
	.755
	.765
$3,000/$3,000
	.825
.850
$5,000/$5,000
	.740
	.750
$4,000/   $500
	.850
.900




Single Family and 2-4 Family Building Only or Contents Only Policies1,2


Post-FIRM
  Pre-FIRM


Post-FIRM
Pre-FIRM
Building
$500 Ded.
$1,000 Ded.

Contents3
$500 Ded.
$1,000 Ded.
   $500
	1.000
	1.100

   $500
	1.000
	1.150
$1,000
	.960
	1.000

$1,000
	.950
	1.000
$2,000
	.900
	.935

$2,000
	.850
	.900
$3,000
	.850
	.885

$3,000
	.775
	.825
$4,000
	.800
	.835

$4,000
	.700
	.750
$5,000
	.750
	.785

$5,000
	.650
	.675

Other Residential and Non-Residential Policies1,2,4


Discount From

Building Only
Contents Only

Post-FIRM
  Pre-FIRM

Post-FIRM
    Pre-FIRM
Post-
FIRM
   Pre-FIRM
Bldg./Contents
$500 Ded.
$1,000 
Ded.
Amoun
t
$500 Ded.
$1,000 
Ded.
$500 Ded.
$1,000 
Ded.
$500/ $500
	1.000
	1.050
	$500
	1.000
	1.050
	1.000
	1.050
$1,000/$1,000
	.980
	1.000
	$1,000
	.975
	1.000
	.980
	1.000
$2,000/$2,000
	.940
	.960
	$2,000
	.940
	.960
	.950
	.965
$3,000/$3,000
	.910
	.930
	$3,000
	.910
	.925
	.925
	.940
$4,000/$4,000
	.885
	.910
	$4,000
	.880
	.900
	.900
	.915
$5,000/$5,000
	.870
	.890
	$5,000
	.850
	.875
	.875
	.890
$10,000/$10,00
04
	.775
	.800
	$10,00
0
	.750
	.760
	.775
	.800
$15,000/$15,00
04
	.725
	.750
$15,00
0
	.675
	.685
	.700
	.725
$20,000/$20,00
04
	.675
	.700
$20,00
0
	.600
	.610
	.650
	.660
$25,000/$25,00
04
	.625
	.650
$25,00
0
	.550
	.560
	.600
	.610
$50,000/$50,00
04
	.500
	.525
$50,00
0
	.450
	.460
	.525
	.535

1	Deductible factors for the RCBAP are located on page CONDO 22.
2	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.
3	Also applies to residential unit contents in Other Residential building or in multi-unit condominium 
building.
4	Deductibles of $10,000 to $50,000 are available only for Non-Residential Policies.




XXII.	INCREASED COST OF COMPLIANCE 
(ICC) COVERAGE 

Coverage is afforded under the Standard Flood 
Insurance Policy for the increased cost to 
rebuild, or otherwise alter, a flood-damaged 
structure to bring it into conformance with State 
or local floodplain management ordinances or 
laws.

ICC coverage is mandatory for all Standard 
Flood Insurance Policies except for (1) those 
sold in Emergency Program communities, (2) 
contents-only policies, (3) Dwelling Forms on 
individual condominium units, and (4) Group 
Flood Insurance.  For these four cases, ICC 


coverage is not available. In a condominium 
building, ICC coverage is only available through 
the Condominium Association's flood policy.

The current ICC coverage limit is $30,000 per 
building or, for non-condominium townhouse 
construction, per unit, per policy.  This coverage 
amount is in addition to the Building Amount of 
insurance purchased.  However, for any one 
flood event, the amount of combined loss 
payment received from Building coverage and 
ICC coverage cannot exceed the maximum 
program limits of $250,000 for residential 
structures and $500,000 for non-residential 
structures.





A.	tABLE 9.  STANDARD FLOOD INSURANCE POLICY
INCREASED COST OF COMPLIANCE  (ICC) COVERAGE
Premiums for $30,000 ICC Coverage

All Except RCBAP, MPPP, Preferred Risk Policies, and Submit-For-Rate Policies



Residential
Non-Residential


Building Amount of Insurance
Building Amount of Insurance

	FIRM

Zone
	$1 - 
		$230,000
		$230,001 -
		$250,000 
	$1 - 
		$480,000 
		$480,001 - 
	$500,000
Post-
FIRM
A, AE, A1-A30, AO, AH
AR, AR DUAL ZONES
POST-'81 V1-V30, VE
'75-'81 V1-V30, VE
A99, B, C, X, D
		$  6
		$  6
		$20
		$35
		$  6
	$  4
	$  4
	$14
	$25
	$  4
	$  6
	$  6
	$20
	$35
	$  6
	$  4
	$  4
	$14
	$25
	$  4
Pre-
FIRM
A, AE, A1-A30, AO, AH
AR, AR DUAL ZONES
V, VE, V1-V30
A99, B, C, X, D
		$75
		$  6
		$75
		$  6
	$60
	$  4
	$60
	$  4
	$75
	$  6
	$75
	$  6
	$60
	$  4
	$60
	$  4

NOTES:	(1)	ICC coverage does not apply to the Emergency Program, individually owned condominium 
units insured under the Dwelling Form or General Property Form, contents-only policies, 
and Group Flood Insurance Policies.
	(2)	The ICC premium is not eligible for the deductible discount.  First calculate the 
deductible discount, then add in the ICC premium.
		(3)	Use only one ICC premium amount listed above for each building to be insured.
		(4)	For scheduled building policies, apply ICC premium for each building.
		(5)	Add Federal Policy Fee and Probation Surcharge, if applicable, when computing the 
premium.
		(6)	Elevation-rated Pre-FIRM buildings should use Post-FIRM ICC premiums.
		(7)	See RATE 19 for AR Zone and AR Dual Zone Rating information.
		(8)	For flood policies issued through the Mortgage Portfolio Protection Program, use the rates 
and ICC premiums in the table on page MPPP 1.




XXIII.	RATING STEPS

2.	Determine the exact location of the building 
and/or contents to be insured.  IF THE 
MAILING ADDRESS DIFFERS FROM THE 
PROPERTY ADDRESS, USE THE 
PROPERTY ADDRESS ONLY.

3.	Determine if the building is located in an 
eligible community.

Not all communities participate in the NFIP. 
There is NO COVERAGE available in non-
participating communities. If you are 
uncertain, call the NFIP insurer, consult a 
local community official, or check the NFIP 
Community Status Book online 
(http://www.fema.gov/fema/csb.shtm).

4.	Determine the NFIP program phase 
(Emergency or Regular) and the community 
in which the property is located.

Some communities may be eligible for 
premium discounts under the Community 
Rating System (CRS). See the CRS Section 
for a list of eligible communities, the 
corresponding discounts, and an example 
showing how to apply the CRS discount.

5.	Determine the location of the contents in the 
building.

6.	Determine the date of construction as 
described below.

?	Date of Construction—Buildings

	For flood insurance purposes, the date 
of construction for buildings under the 
NFIP must be determined in order to 
establish whether the building is Pre-
FIRM or Post-FIRM construction.

	The start of construction or substantial 
improvement for insurance purposes 
means the date the building permit was 
issued, provided the actual start of 
construction, repair, reconstruction, or 
improvement was within 180 days of 
the permit date.

	For the Coastal Barrier Resources 
System, the start of construction or 
substantial improvement, for insurance 
purposes, must be determined in 
accordance with the documentation 
requirements set forth by the Coastal 


Barrier Resources Act (CBRA). (See 
the Coastal Barrier Resources System 
Section.)

?	Date of Construction—Manufactured 
(Mobile) Homes/Travel Trailers

	The date of construction for a 
manufactured (mobile) home is 
different from a standard building and 
depends upon the location of the 
manufactured (mobile) home.

	For manufactured (mobile) homes 
located in manufactured (mobile) home 
parks or subdivisions, the date of 
construction is the date facilities were 
constructed for servicing the 
manufactured (mobile) home site, or 
the date of the permit, provided that 
construction began within 180 days of 
the permit date. This rule applies to all 
manufactured (mobile) homes even if 
the manufactured (mobile) home is 
rated and classified as single family.

	For manufactured (mobile) homes not 
located in manufactured (mobile) home 
parks or subdivisions, but located on 
individually owned lots or tracts of land, 
the date of construction is the date the 
manufactured (mobile) home was 
permanently affixed to the site or the 
permit date if affixed to the site within 
180 days of the date of permit.

?	Pre-FIRM Construction

For the purpose of determining 
insurance rates, buildings for 
which the start of construction or 
substantial improvement was on 
or before December 31, 1974, or 
before the effective date of the 
initial FIRM for the community, 
are considered Pre-FIRM 
construction. However, for 
insurance purposes, 
manufactured (mobile) homes 
that are located or placed in 
existing manufactured (mobile) 
home parks or subdivisions, or 
expansions to existing 
manufactured (mobile) home 
parks or subdivisions, are 
considered Pre-FIRM.

	All historic buildings are considered 
Pre-FIRM as long as the building meets 
the definition of a historic building. (See 
the Definitions Section.)


	Pre-FIRM buildings that are 
substantially improved may continue 
being rated as Pre-FIRM if certain 
conditions are satisfied.  Pre-FIRM 
rating is applicable ONLY when ALL of 
the following conditions are met:

-	The building must be Pre-FIRM.

-	The substantial improvement must be 
an ADDITION to the building.  (This 
condition excludes substantial 
improvements made as interior 
remodeling or repair projects.)

-	The ADDITION and extension must 
be next to and in contact with the 
existing building.  (This condition 
does not apply to substantial 
improvements consisting of the 
construction of additional floors.)

-	An Elevation Certificate must be 
submitted to the NFIP Underwriting 
Unit with the application or renewal.  
The Elevation Certificate must verify 
that the lowest floor elevation of the 
ADDITION is at or above the 
applicable base flood elevation in 
effect at the time the addition is 
started.

If all of the above conditions are satisfied, the 
entire building is eligible for Pre-
FIRM rates.  (Except for some V-
Zone risks and some manufactured 
[mobile] home risks, Post-FIRM 
rates provide less costly coverage 
and, therefore, the coverage may be 
rated using the lower Post-FIRM 
rates.)  If the above conditions are 
not satisfied, the entire building 
MUST be rated as Post-FIRM.

?	Post-FIRM Construction

For insurance rating purposes, buildings for which 
the start of construction or 
substantial improvement was after 
December 31, 1974, or on or after 
the effective date of the initial FIRM 
for the community, whichever is 
later, are considered Post-FIRM 
construction. This would include all 
manufactured (mobile) homes 
located in either new 


manufactured (mobile) home parks 
or subdivisions or outside of existing 
manufactured (mobile) home parks 
or subdivisions.

XXIV.	PREMIUM CALCULATION

GG.	Emergency Program

1.	Determine Occupancy Type:  Residential or 
Non-Residential.

2.	Calculate premium using appropriate rates.

3.	Apply appropriate deductible factor if an 
Optional Deductible is selected.

4.	Add Federal Policy Fee.

HH.	Regular Program

1.	Determine if the property to be insured is 
Pre-FIRM or Post-FIRM. A Pre-FIRM 
premium table for standard risk, single family 
property is located on page RATE 11.

2.	Determine Zone.

3.	Determine Occupancy:  Single Family, 2-4 
Family, Other Residential, Non-Residential, 
or Manufactured (Mobile) Home.

4.	Determine Building Type (including 
basement or enclosure, if any):  one floor, 
two floors, three or more floors, split level, or 
manufactured (mobile) home on foundation.

5.	Determine if building has basement (or 
enclosed area below an elevated building): 
none, finished, or unfinished.

6.	Determine Elevation Difference.

7.	Calculate premium using the appropriate 
rates.

8.	Apply appropriate deductible factor if an 
Optional Deductible is selected.

9.	The ICC premium is not subject to 
deductible factors. First calculate the 
deductible amount, then add in the ICC 
premium, for each policy year.


10.	Apply CRS discount, if applicable.

11.	Add $50.00 Probation Surcharge if building 
is located in a community on probation.

12.	Add Federal Policy Fee.

XXV.	KEY POINTS FOR RATING

II.	Basic Limits and Additional Limits

For rating purposes in the 
Regular Program, separate 
rates have been established 
for the Basic Limits and the 
Additional Limits.

JJ.	Whole Dollars

NFIP accepts premium only in 
WHOLE DOLLARS.  If the 
discount for an optional 
deductible does not result in 
a whole dollar premium, round 
up if 50¢ or more; round down 
if less.  ALWAYS SUBMIT GROSS 
PREMIUM.

KK.	Increased Cost of Compliance (ICC) 
Premium

Total Prepaid Amount will 
include ICC premium.  The ICC 
premium is not subject to 
deductible factors, but the 
CRS discount will apply. 

LL.	Federal Policy Fee

A Federal Policy Fee shall be 
charged for all new and 
renewal policies, including 
the Preferred Risk Policy. 
This fee is fully earned on 
the effective date of the 
policy, except as indicated 
in the 
Cancellation/Nullification 
Section.  This fee is not 
subject to earned commissions 
and, as such, is not 
considered part of the Total 
Prepaid Premium. The Federal 
Policy Fee must, however, be 
added to the Total Prepaid 
Premium in order to figure 
the Total Prepaid Amount.

Under the Residential 
Condominium Building 
Association Policy, the 
Federal Policy Fee is based 
on the number of units (see 
CONDO Section).

MM.	Buildings in More Than One Flood Zone

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


This condition applies even 
though the portion of the 
building located in the more 
hazardous zone may not be 
covered under the SFIP, such 
as a deck.

NN.	Mortgagee on Policy—Higher Deductible 
Requested

When a mortgagee is listed on 
the policy, their WRITTEN 
CONSENT should be secured 
before requesting a 
deductible higher than the 
applicable SFIP deductible.

XXVI.	REGULAR PROGRAM, POST-FIRM 
ELEVATION-RATED RISKS

OO.	Elevation Difference

The elevation difference is the difference 
between the lowest floor used for rating and the 
Base Flood Elevation (BFE). The elevation 
difference must be determined if the building is 
Post-FIRM located in a Special Flood Hazard 
Area (SFHA) and within a Regular Program 
community.

Refer to the Lowest Floor Guide section for a 
guide to determining the lowest floor.  Note that, 
in Puerto Rico, elevations are based on meters 
rather than feet. Before rating the flood 
insurance premium, the agent must convert the 
meter elevations into feet.

For rating purposes, the elevation difference is 
the difference, measured in feet, between the 
lowest floor elevation of the building to be rated, 
and the BFE for that zone. The elevation 
difference can be a number of feet above (+) or 
below (-) the BFE.

If the BFE and/or the lowest floor elevation is 
shown in tenths (e.g., 10.5'), the agent must 
apply the rounding rule to the difference 
between the BFE and the lowest-floor-for-rating 
elevation. If the difference is negative, the final 
figure is rounded up from .5.  If the difference is 
positive, the final figure is rounded up from .5. 
Always round to the higher elevation. For 
example, -3' is higher than -3.5' and +4' is higher 
than +3.5'.



Rounding Rule Example:

	11' BFE





10.5' LF - 11.0' BFE = -0.5'
Because the difference is negative, it is rounded 
up to 0'.

11.5' LF – 11.0' BFE = +0.5'
Because the difference is positive, it is rounded 
up to 1.0'.

PP.	Examples

Examples to illustrate how to determine the 
elevation difference are provided below.

1.	Zones A1-A30, AE, AR, AR Dual Zones, 
Post-'81 V1-V30, VE, and A (With 
Estimated BFE)

Lowest Floor Elevation - Base Flood 
Elevation (BFE) = Elevation Difference

Examples:

a.	Lowest Floor Elevation (+10') - BFE 
(+6') = Elevation Difference of (+4').

b.	Lowest Floor Elevation (+8.3') - BFE 
(+6.0') = Elevation Difference of (+2.3'); 
therefore, (+2.3') is rounded down to 
(+2.0').

c.	Lowest Floor Elevation (+12.4') - BFE 
(+8.8') = Elevation Difference of (+3.6'); 
therefore, (+3.6') is rounded up to 
(+4.0').

d.	Lowest Floor Elevation (+9.5') - BFE 
(+12.0') = Elevation Difference of 
(-2.5'); therefore, (-2.5') is rounded 
down to (-2').

2.	Zone AH

Lowest Floor Elevation - Base Flood 
Elevation (BFE) = Elevation Difference



Examples:

a.	Lowest Floor Elevation (+4') - BFE 
(+2') = (+2'); use With Certification of 
Compliance rates.

b.	Lowest Floor Elevation (+6') - BFE 
(+8') = (-2'); use Without Certification of 
Compliance rates. 

c.	Lowest Floor Elevation (+4') - BFE 
(+4') = (0'); use With Certification of 
Compliance rates. 

3.	Zone AO

In AO zones, the difference between the 
top of the bottom floor and the highest 
adjacent grade is the lowest floor elevation 
used for rating.  If the lowest floor elevation 
is equal to or greater than the Base Flood 
Depth printed on the FIRM, use With 
Certification of Compliance rate.  If the 
elevation difference is less than the Base 
Flood Depth, use Without Certification of 
Compliance rates. When no Base Flood 
Depth is printed on the FIRM, a depth of 2 
feet must be used for rating purposes.

Examples:

a.	Lowest Floor Elevation (distance 
between the top of the bottom floor and 
the highest adjacent grade) (+5') - 
Base Flood Depth (3') = (+2'); use With 
Certification of Compliance rates.

b.	Lowest Floor Elevation (0') - Base 
Flood Depth (+1') = (-1'); use Without 
Certification of Compliance rates.

c.	Lowest Floor Elevation (+2') - (+2') (no 
published Base Flood Depth) = (0'); 
use With Certification of Compliance 
rates.

4.	Zone A (With No Estimated BFE)

In Zone A where there is no established 
BFE, the difference between the top of the 
bottom floor and the highest adjacent grade 
is the lowest floor elevation used for rating.

Examples:

a.	Lowest Floor Elevation (distance 
between the top of the bottom floor and 
the highest adjacent grade) (+3') = (+3') 
for rating purposes (use No Estimated 
BFE rate table). The top of the bottom 
floor is 3' above the highest adjacent 
grade.


b.	Lowest Floor Elevation (-2') = (-2') for 
rating purposes.  The top of the bottom 
floor is below the highest adjacent 
grade by 2'.

5.	Zones V1-V30, VE Post-FIRM 1975-81

Lowest Floor Elevation - Base Flood 
Elevation (BFE)  =  Elevation Difference

QQ.	Optional Elevation Rating

Pre-FIRM construction, at the option of the 
applicant, may be rated using Pre- or Post-FIRM 
rating.  Once it is determined which rating will 
provide a lower premium, a policy may be 
endorsed to obtain a lower rate.

XXVII.	PRE-FIRM ELEVATED BUILDING 
RATED AT PRE-FIRM RATES

Pre-FIRM elevated buildings with no 
enclosures beneath the lowest elevated floor 
are to be rated using the No Basement rates.

Pre-FIRM elevated buildings with enclosures 
beneath the lowest elevated floor are to be rated 
using the With Enclosure rates. 

XXVIII.	AR ZONE AND AR DUAL ZONE 
RATING

NOTE:	AR Dual Zones appear on the FIRM 
as AR/AE, AR/AH, AR/AO, AR/A1-
A30, and AR/A.

For Pre-FIRM construction and Post-FIRM non-
elevation rated risks, use the rates provided in 
Table 4.

Structures in AR and AR Dual Zones with an 
Elevation Certificate may be rated using the 
rates provided in Table 5.

XXIX.	POST-FIRM AO ZONE RATING

In Zone AO, when the base flood depth number 
is not printed on the FIRM, a base flood depth of 
2 feet is an acceptable standard unless modified 
by community ordinance or state law.  The 
difference from the top of the lowest floor to the 
highest adjacent ground (grade) must be greater 
than or equal to 2 feet in order to use the more 
favorable With Certification of Compliance rates. 
If the difference is less than 2 feet, the Without 
Certification of Compliance rates are to be used.


XXX.	POST-FIRM RATING OF ELEVATED 
BUILDINGS IN ZONES B, C, X, A99, 
AND D

Post-FIRM elevated buildings in the above 
zones with no enclosures beneath the lowest 
elevated floor are to be rated using the No 
Basement/Enclosure rates.

Post-FIRM elevated buildings in the above 
zones with enclosures beneath the lowest 
elevated floor are to be rated using the With 
Enclosure rates.

XXXI.	REGULAR PROGRAM V ZONE POST-
FIRM CONSTRUCTION

RR.	Rating All V Zone Buildings

For an elevated building 
(building on posts, piles, or 
piers only) rated without an 
enclosure or obstruction, the 
Zone V, V1-V30, and VE rates 
do not take into 
consideration the flood risk 
associated with any addition 
of a habitable area (finished 
or used as living or work 
area) below the lowest 
elevated floor.  Further, 
rates do not allow for any 
flood risk to the machinery 
or equipment used to service 
the building located below 
the lowest elevated floor.

NOTE:	A 1975-81 risk with an unfinished 
enclosure under 300 square feet, with 
breakaway walls, and without 
machinery or equipment, can be rated 
without taking into account the 
enclosure, but a 1981 Post-FIRM risk 
cannot.

SS.	Zones VE and V1-V30—Enclosure Con-
taining Machinery or Equipment Below 
BFE

Follow these steps when determining the lowest 
floor for rating in Zones VE and V1-V30 where 
there is an enclosure containing machinery or 
equipment located below the BFE:

?	The bottom of the enclosure slab is the 
correct floor for rating.  Determine whether 
the figure in Item C3.c (bottom of lowest 
horizontal structural member) of the 
Elevation Certificate reflects the top or the 
bottom of the slab.

?	If Item C3.c is equal to or higher than Item 
C3.f (lowest adjacent grade), deduct (for 1-4 
family residences) 12 inches from the 


elevation found in Item C3.c and 18 inches 
for buildings other than 1-4 family. This 
estimated elevation is the elevation figure 
used for rating the flood insurance policy.

If the surveyor has used Item C3.a (top of 
bottom floor including basement or enclosure) to 
indicate the elevation of the enclosure slab, 
then:

?	The bottom of the enclosure slab is the 
correct floor for rating. Determine whether 
the figure in Item C3.a of the Elevation 
Certificate reflects the top or the bottom of 
the slab.

?	If Item C3.a is equal to or higher than Item 
C3.f, deduct (for 1-4 family residences) 12 
inches from the elevation found in Item C3.a 
and 18 inches for buildings other than 1-4 
family. This estimated elevation is the 
elevation figure used for rating the flood 
insurance policy.

TT.	1975-81 Post-FIRM V Zone Construction

1975-81 Post-FIRM V-Zone 
Construction refers to any V-
Zone Post-FIRM building for 
which the start of 
construction or substantial 
improvement began January 1, 
1975, through September 30, 
1981.

UU.	1981 Post-FIRM V Zone Construction

1981 Post-FIRM V-Zone 
Construction refers to any V 
Zone Post-FIRM building for 
which (1) the permit 
application date for the 
construction or substantial 
improvement is on or after 
October 1, 1981, or (2) the 
permit was issued before 
October 1, 1981, and the 
actual start date of 
construction did not begin 
within 180 days of the permit 
date.

VV.	Elevated Buildings—1981 Post-FIRM V 
Zone Construction

1.	Elevated Building Without Obstruction

The area below the lowest elevated floor is 
open, with no obstruction, to allow the flow 
of floodwaters. Insect screening is permis-
sible. Wooden or plastic lattice, slats, or 
shutters are also permissible if at least 40 
percent of their area is open. Lattice can be 
no thicker than ½ inch; slats or shutters can 
be no thicker than 1 inch. Any machinery or 
equipment below the lowest elevated floor 
must be at or above the BFE. Use the rates 
from Table 3E. For unnumbered Zone V, 
use Submit-for-Rate guidelines.


2.	Elevated Building With Obstruction

The area below the Elevated Floor is 
enclosed, either partially or fully by solid 
perimeter foundation walls or breakaway 
walls. Use the rates from Table 3F provided 
that the enclosure is less than 300 square 
feet or contains machinery or equipment 
below the BFE. For unnumbered Zone V, 
use Submit-for-Rate guidelines.

NOTE:

?	Equipment located below the lowest 
elevated floor constitutes an 
obstruction.

?	For all non-elevated buildings, elevated 
buildings with non-breakaway walls 
below their lowest elevated floors, and 
elevated buildings with habitable or 
finished areas located below their 
lowest elevated floors, the submit-for-
rate procedures should be followed. 
Producers should be sure to include a 
recent photograph or blueprints, 
including a site grading plan if ocean 
front, a copy of the variance, and an 
Elevation Certificate with the 
Application form.

?	Any additions during the policy term or 
any subsequent policy term that would 
change the applicable rates must be 
endorsed to the policy. Any additional 
premium must be paid by the insured.

3.	Replacement Cost Ratio

The replacement cost ratio is needed to 
select the proper rate for insurance on 
buildings in 1981 Post-FIRM Construction 
V, V1-V30, and VE Zones on or after 
October 1, 1981. The estimated building 
replacement cost is used in conjunction 
with the amount of the building insurance 
desired to determine the insurance-to-
replacement-cost ratio.

Replacement cost is defined as the amount 
of money required to replace or repair the 
insured building in the event of loss or 
damage, without a deduction for 
depreciation.  The replacement cost ratio is 
determined by dividing the amount of 
building coverage by the replacement cost 
of the building.

If the replacement cost of the building 
exceeds the maximum statutory building 
limit, use the replacement cost, not the 
maximum statutory building limit, in 


calculating the ratio. For example, if the 
building replacement cost is $1,000,000 
and the amount of building coverage 
requested is the maximum statutory 
building limit of $250,000, the rate is .25, so 
use the rate listed for "Replacement Cost 
Ratio Under .50."

Place the rate in the appropriate box on the 
Application and continue with the premium 
calculation.

4.	Elevation Information

The lowest floor elevation must be 
identified for buildings in Zones V, V1-V30, 
and VE.  Note that the lowest floor 
elevation is measured at the bottom of the 
lowest floor beam or slab, whichever is 
appropriate.

The BFE, including wave height, must be 
identified for any building located in Zones 
V1-V30 and VE.

XXXII.	SPECIAL RATING SITUATIONS

WW.	Tentative Rates

Tentative rates are used to 
issue policies when producers 
fail to provide the required 
actuarial rating information. 
With tentative rates, a 
policy will be generated with 
coverage limits based on the 
actual premium received. 
Tentatively rated policies 
cannot be endorsed to 
increase coverage limits, or 
renewed for another policy 
term, until the required 
actuarial rating information 
and full premium payment are 
received.

Tentative rates are generally higher than the 
rates published in this manual (ranging from $2 
to $10 per $100 of coverage). When tentative 
rates are applied, a Declarations Page and a 
Tentative Rate Letter will be forwarded to the 
policyholder, producer, and mortgagee (if any), 
requesting the necessary information so that the 
proper rate can be determined.

If a loss occurs on a 
tentatively rated property, 
payment will be limited by 
the amount of coverage that 
the initially submitted 
premium will purchase using 
the correct actuarial rating 
information.

XX.	Alternative Rates

When a building is Pre-FIRM 
and the FIRM zone is unknown, 
an alternative rating 
procedure can be used only if 
the building is located in a 
community that does not have 
any V Zones. In these cases, 
the NFIP will presume that 
the building is located in a 
Special Flood Hazard Area, 
and the FIRM zone should be 
shown as Zone AA. AA is not a 
valid flood zone designation; 
rather, it is a rating method 
used when the flood zone is 
unknown. The rates for FIRM 
Zone A for Pre-FIRM 
properties should then be 
used to compute the premium.

The alternative rating procedure is also used by 
the NFIP for renewal of policies in communities 
that have converted from the Emergency 
Program to the Regular Program during a 
policy's term. Again, this procedure can be used 
only when the community has no V Zones. In 
these cases, the NFIP assigns an AS Zone 
designation, which is not a valid flood zone 
designation, but rather a rating method, and 
uses the Pre-FIRM Zone A rates to compute the 
premium.

In both of the above 
situations, the producer 
should determine the actual 
FIRM zone and submit a 
General Change Endorsement to 
correct the FIRM zone and 
premium. All corrections 
should be made as soon as 
possible within the initial 
policy term after an AA or AS 
Zone designation has been 
made.  If the correct flood 
zone is not provided, no 
Renewal Premium Notice will 
be issued.

YY.	Map "Grandfather" Rules--Effect of Map 
Revisions on Flood Insurance Rates
	
A community will occasionally 
make structural improvements 
(dams, levees, etc.) to 
reduce the potential effects 
of flooding; experience new 
development aggravating the 
flooding situation, thereby 
expanding the floodplain; 
revise geographical 
boundaries resulting in the 
designation of additional 
flood hazard areas; or 
provide information to better 
delineate the BFE and/or 
flood insurance risk zones.  
When these situations occur, 
the FIRM is revised and 
republished.

The implementation of a new 
FIRM raises the question--HOW 
DOES THE NEW MAP AFFECT FLOOD 
INSURANCE RATES?

1.	Grandfather Rules

To recognize policyholders who have built 
in compliance with the FIRM and/or 
remained loyal customers of the NFIP by 
maintaining continuous coverage, the 
Federal Emergency Management Agency 
has "Grandfather rules."  These rules allow 
such policyholders to benefit in the rating 
for that building.  For such buildings, the 
insured would have the option of using


the current rating criteria for that property or 
having the premium rate determined by 
using the BFE and/or flood zone on the 
FIRM (old map) in effect when the building 
was originally constructed (for those built in 
compliance) or when coverage was first 
obtained (for those with continuous 
coverage). This results in a cost savings to 
insureds when the new map resulting from 
a map revision would result in a higher 
premium rate.

The conditions that must be met for an 
insured to be eligible to receive the rating 
benefit from the "Grandfather rules" after a 
map revision (new map) becomes effective 
are described below.

2.	General Rule of Rating

Always use the new map if it will provide a 
more favorable premium (lower rate).

3.	Existing Business--Renewal Policies

Policies written to cover either Post-FIRM 
or Pre-FIRM construction may be renewed 
and rated based on the FIRM and/or BFE 
in effect when the policy was initially rated 
as long as the coverage is continuous and 
the building has not been altered to make 
the reference level lower than the BFE on 
that FIRM. (NOTE: Alteration does not 
apply to Pre-FIRM construction or to risks 
grandfathered to a B, C, or X Zone.)

a.	Examples--Post-FIRM Construction

?	A building was constructed in 1980. 
Coverage was purchased at the 
time of construction.  The FIRM 
zone in effect was A1.  The BFE 
was 10'.  The Lowest Floor was 
11'.  The elevation difference was 
+1, and the policy was rated using 
a +1 elevation difference.

This policy was written and continuously renewed 
for 3 years.  In 1983 a new map for 
the community was issued.

The property remained in an A1 Zone.  However, 
the BFE became 12'.  Because the 
lowest floor did not change, the 
elevation difference was -1. Since 
continuous coverage existed on the 
policy and the building was not 
altered in any way, the policy can be 
rated using a +1 elevation 
difference.

?	A building was constructed in 1980. 
The FIRM zone in effect was A.  In 
1983 the map was revised, which 
placed the building in a VE zone.  
Since continuous coverage existed 
and the building was not altered, 
the policyholder can continue to 
use Zone A in determining the rate.

b.	Example--Pre-FIRM Construction

At the time flood insurance 
coverage was applied for, the 
building was located in Zone  
A99.  A new map designated 
the zone as AE.  The policy 
may continue to be rated 
using Zone A99 rates on the 
old map as long as there is 
no interruption in coverage.  

4.	New Business--Applications for Coverage

a.	Post-FIRM Construction

NOTE: These rules apply to buildings in all zones, 
including Zone D.

If a new policy is applied 
for, the rates can be based 
on the FIRM zone and the BFE 
on the old map in effect on 
the date the building was 
constructed provided that:

?	The building was built in 
compliance with the map in effect 
at the time of construction; and

?	The building has not been altered 
in any way that has resulted in a 
lowest floor, for rating purposes, 
lower than the BFE on that FIRM 
(e.g., enclosing the area below an 
elevated building); and

?	The building has not been 
substantially improved.

The property owner or producer must provide proper 
documentation to the WYO company or 
NFIP Servicing Agent.  The 
documentation must show: the date of 
the FIRM; the zone on that FIRM in 
which the property is located; the BFE, if 
any, for that zone; a copy of the map 
panel showing the location of the 
building; and the rating element that is 
to be grandfathered. A letter from a 
community official verifying this 
information also is acceptable.

Example:

A building was constructed in 1980 and, according to 
the FIRM in effect at that time, was 
located in Zone AE. No 


insurance policy was purchased until 1990. At that 
time remapping had occurred and the 
zone had been changed to a more 
hazardous area, Zone VE.  The new 
policy can use Zone AE as the rating 
zone if the required documentation is 
provided.

b.	Pre-FIRM Construction

This "built in compliance" 
rule also applies to Pre-FIRM 
construction if the date of 
construction was on or before 
December 31, 1974, and was on 
or after the FIRM date.

Example:

A building was constructed in November 1974 and the 
FIRM date was May 3, 1973. The old 
map showed the building's location as 
Zone C.  Ten years later in 1984, a new 
map placed the building in an A zone. 
Flood insurance coverage was applied 
for after the map was revised. To use 
the old map showing Zone C as the 
rating zone, proper documentation must 
be submitted.

D.	Post-'81 V Zone Optional Rating

This optional rating is 
available for new and renewal 
policies and endorsements 
with effective dates on or 
after October 1, 1997. 
Policies for 1975 through 
1981 Post-FIRM and Pre-FIRM 
buildings in Zones VE and V1-
V30 are allowed to use the 
Post-'81 V Zone rate tables 
(Tables 3E or 3F) if the 
rates are more favorable to 
the insured. In order to 
qualify, the following 
criteria must be met:

1.	The policy must be rated using the BFE 
printed on the FIRM panel that includes 
wave height. The effective date of the FIRM 
panel must be on or after 10/1/81.

2.	The building rates are determined based on 
the ratio of the estimated building 
replacement cost and the amount of 
insurance purchased.

3.	The building must be elevated free of 
obstruction or with obstruction less than 300 
square feet. All machinery and equipment 
located below the BFE are considered 
obstructions.





E.	Policies Requiring Re-Rating

The following conditions require that the policies 
be rated using the new map:

1.	If an elevation-rated building is altered, 
making the lowest floor for rating purposes 
below the BFE.

Example:

An elevated building is located in an AE Zone at the time of 
construction.  The Lowest Floor Elevation 
(LFE) was 18'. The BFE was 10'. The Lowest 
Floor rating was a +8 elevation differential. 
The map was revised, changing the BFE to 
11'.  The insured decided to enclose the area 
beneath the elevated floor and use it as a 
living area. This changed the LFE to 9'. Due 
to the alteration, the new map must be used 
and the building is rated as -2.

2.	If a Pre-FIRM or Post-FIRM building is 
substantially improved or substantially 
damaged, the building must be re-rated 
using the FIRM in effect at the time that the 
substantial improvement occurred. A newer 
FIRM can always be used if it will result in a 
more favorable rating.

Example:

A building was constructed in 1972 and, when flood 
insurance was applied for in 1976, was found 
to be located in Zone C. The FIRM was 
revised in 1984. The building was 
substantially improved in 1985. Due to the 
improvement, the building must now be re-
rated as Post-FIRM construction using the 
1984 map, or the most recent map can be 
used if it will result in a more favorable rating.

If ineligible for renewal as a Preferred Risk Policy because 
of a map change, the risk must be rewritten 
as a Standard Flood Insurance Policy.

F.	Submit-for-Rate

Certain properties at high 
flood risk, because of 
peculiarities in their 
exposure to flooding, do not 
lend themselves to 
preprogrammed rates. These 
risks require an in-depth 
underwriting analysis and 
must be submitted to the 
NFIP for an individual 
(specific) rate. As 


with other lines of property 
insurance, the underwriter 
requires documentation to 
evaluate those risk 
characteristics that make up 
the basis for a proper rate.

The NFIP's two-fold goal of establishing sound 
actuarial rates and obtaining information for 
enforcing floodplain management requires that 
the following documentation be supplied for risks 
that fall within the submit-for-rate category:

1.	Completed NFIP Flood Insurance 
Application.

2.	Completed current Elevation Certificate.

3.	Variance issued by the local community 
stating that permission was granted to 
construct the building. If no variance was 
granted, a statement to that effect signed 
by the applicant or the applicant's 
representative is required.

4.	Recent photographs of the building (front 
and back), or a blueprint (layout of the 
building) if the building is under 
construction.

5.	The square footage of any enclosure(s) 
below the elevated floor, the use of the 
enclosure, a list of machinery and 
equipment, and the approximate value of 
each item located in the enclosure.

6.	Certified letter from either a local building 
official, an engineer, or an architect 
verifying that any such enclosures are 
designed/ built with breakaway walls.

7.	A statement from the applicant or the 
applicant's representative that the 
enclosure was built at the time that the 
building was originally constructed, or at a 
later date (give date).

8.	If the building has a basement, a list of 
machinery and equipment located in the 
basement and each item's approximate 
value.

9.	For elevated buildings, an Elevated 
Building Determination Form signed by the 
insured.

For Submit-for-Rate policies 
written as NFIP direct 
business, all of the 
appropriate documentation 
listed above must be mailed 
to the NFIP Servicing Agent, 
P.O. Box 2965, Shawnee 
Mission, KS 66201-1365.

If the building is insurable, 
the Servicing Agent will 
deliver a written rate and 
the applicable ICC


premium to the producer. 
Since a rate must be 
determined on these risks, no 
premium is to accompany the 
submission. Coverage will be 
effective 30 days after the 
receipt of the premium at the 
NFIP, with the following two 
exceptions:

?	If the coverage is in conjunction with the 
making, increasing, extending, or renewing 
of a loan, the effective date is on the day 
and time of the loan closing, provided that 
the policy is applied for and the presentment 
of premium is made at or prior to the loan 
closing.

?	If the new policy is being obtained as a 
result of a revision to a community's flood 
map, during the 13-month period beginning 
on the effective date of the map revision, the 
effective date shall be 12:01 a.m., local 
time, following the day after the presentment 
of premium. For the NFIP direct business, 
the presentment of premium is the same as 
the receipt date of the full premium at the 
NFIP Servicing Agent.

Submit-for-Rate quotations, excluding the ICC premium, 
Federal Policy Fee, and Probation Surcharge, if 
applicable, are valid for 90 days. After 90 days, 
the Flood Insurance Application and supporting 
documentation must be resubmitted for another 
determination of the rating.

G.	Crawl Space

A building with a "crawl 
space" (under-floor space) 
has its interior floor area 
(finished or not) within 5 
feet of the top of the next 
higher floor. If a crawl 
space is below grade on all 
sides, and the elevation of 
the crawl space floor is 
below the Base Flood 
Elevation, the crawl space 
must be rated according to 
the guidelines found on pages 
LFG 24-25. For the purpose of 
completing the Flood 
Insurance Application, the 
building must be described as 
a "non-elevated building with 
basement."

NFIP rules and regulations 
specify that a crawl space 
with its interior floor below 
grade on all sides is 
considered a "basement"; 
therefore, the Standard Flood 
Insurance Policy basement 
coverage limitations apply to 
such crawl spaces.

A building with a crawl space 
that is not subgrade must be 
described as an elevated 
building.





XXXIII.	CONTENTS LOCATION

H.	Single Family Dwellings

For rating purposes, contents in a single family dwelling are 
considered to be located throughout the entire building regardless of 
the building type, with limited coverage in a basement and an enclosed 
area beneath the lowest elevated floor.  Refer to the Standard Flood 
Insurance Policy.

I.	Multi-Family and Non-Residential Buildings

The shaded areas in the illustrations below identify the location of 
the contents. The rates for contents located in the area indicated will 
be established based on the zone, construction date, and building 
description.

1.	Non-Elevated Buildings (contents in shaded areas)


Building Type 		Basement		Contents
(including basement
if any)

?    One Floor		?    None   		?   Lowest Floor
            or					    Only Above
?    Two  Floors					     Ground Level


?    Two Floors		?    Finished		?   Basement Only 
           or
?    Three or More Floors

			LIMITED COVERAGE IN BASEMENT






?    Two Floors		?    None			?    Lowest Floor
           or						     Above Ground
?    Three or More Floors				     Level and Higher
						     Floors






?    Two Floors		?    Finished		?    Basement 
            or					     and Above
?    Three or More Floors

			LIMITED COVERAGE IN BASEMENT




?    Two Floors		?    Unfinished		?    Basement 
            or					     and Above
?    Three or More Floors

			LIMITED COVERAGE IN BASEMENT



 


Building Type 		Basement	      Contents
(including basement
if any)

?   Two Floors		?    Finished	      ?    Lowest Floor

            or		           or	                         Above Ground
?   Three or More Floors	     Unfinished	           Level and 
           Higher Floors


?    Two Floors		?    None	                     ?    Above Ground
           or		                       or	  	           Level More
?    Three or More Floors	?    Finished	           Than One Full
			        or		           Floor
			     Unfinished























2.	Elevated Buildings (contents in shaded areas)






 



Building Type 			Enclosure		Contents
(including enclosure
if any)

?    One Floor			?    None   		?   Lowest Floor
					   		    Only Above
					      		     Ground Level



?    Two Floors			?    None			?   Lowest Floor
							    Above Ground
							    Level and Higher
							    Floor










?    Three or More Floors		?    Unfinished		?   Enclosure and Above





				LIMITED COVERAGE IN ENCLOSED AREA





?    Three or More Floors		?    None			?    Lowest Floor 
							     Only Above
							     Ground Level





 
                               

Building Type 			Enclosure 	          Contents
(including enclosure
if any)

?   Three or More Floors 		?    None	                        ?   Above Ground 
						   	Level More Than
						 	One Full Floor








?    Three or More Floors		?    Unfinished             ?    Above Ground
					                           Level More Than
					                           One Full Floor






















XXXIV.	FIRMS WITH WAVE HEIGHTS

The producer must determine 
whether or not the BFE on 
the FIRM includes wave 
height. With very few 
exceptions (for communities 
on the West Coast) the Flood 
Insurance Rate Maps (FIRMs) 
published prior to January 
1, 1981, give still water 
levels that do not include 
wave height. FIRMs published 
January 1, 1981, and later 
indicate whether or not wave 
height is included.  If wave 
height is included, the 
following statement appears 
on the map legend:

"Coastal base flood elevations shown on this map 
include the effects of wave action."

These adjustments apply to 1981 Post-FIRM construction (after 
October 1, 1981) for Zones V1-V30 and VE.

J.	Procedure for Calculating Wave Height 
Adjustment

The following information is 
needed:

?	A completed Elevation Certificate.

?	BFE from the Elevation Certificate (Item 
B9) or from the FIRM.

?	Lowest Adjacent Grade from Item C3.f of 
the Elevation Certificate completed by a 
registered professional engineer, architect, or 
surveyor.

?	Depth of Still Water Flooding (subtract the 
Lowest Adjacent Grade from the BFE).

The additional elevation due to wave crest in V 
Zone areas will normally vary from 
a minimum  of 2.1 feet to 0.55 
times the still water depth at the 
site.  (BFE including wave height 
adjustment = still water BFE + 0.55 
x [still water BFE - lowest adjacent 
grade elevation].)

For example, a building's site is determined 
to be located in Zone V8 with a BFE of 14' 
NGVD on the appropriate FIRM.  Using the 
information from the Elevation Certificate, 
the BFE is calculated as follows:



Example 1:

	Base flood elevation                                   14´
Lowest adjacent grade                                -6´

Difference	  8´

	Factor                                                 x 0.55 
	Wave height adjustment
		 (2.1´ minimum) 	   4.4´

Base flood elevation                              + 14´

BFE adjusted                                      18.4´




Example 2:

Base flood elevation                                  14´
Lowest adjacent grade                             -11´

Difference	  3´

	Factor                                                 x 0.55 
	Wave height adjustment
          (2.1´ minimum) 	  1.65´

			  2.1´*
Base flood elevation                              + 14´ 

BFE adjusted                                      16.1´ 

*	In Example 2, if the calculation results in less 
than the minimum 2.1 feet, use 2.1 feet in the 
calculation of the BFE adjusted.


K.	Wave Heights in Numbered Zones V1-
V30 and VE 1981 Post-FIRM 
Construction

For most communities that have Coastal High 
Hazard Areas, the Wave Height Adjustment to 
the Base Flood Elevation (BFE) has been 
included on the FIRM.

No  wave  height  adjustment  is  required  for any  numbered  V  
Zone  area  included  on  a FIRM for any Pacific 
Coast community 


since the wave action effects have already been considered in 
establishing the BFEs on the Pacific Coast.

The 1981 and later FIRMs for 
the Atlantic and Gulf Coast 
communities indicate whether 
or not wave height is 
included. If wave height is 
included, the following 
statement appears under 
"Notes to User" on the map 
legends: "Coastal base flood 
elevations shown on this map 
include the effects of wave 
action."

L.	Unnumbered V Zones 1981 Post-FIRM 
Construction

Determining wave heights in 
coastal communities is a very 
important additional risk 
consideration in the 
engineering or architectural 
certification that the 
structure is securely 
anchored to adequately 
anchored pilings or columns 
in order to withstand 
velocity waters and hurricane 
wave wash. In these rare 
instances, it will be 
necessary to obtain, review, 
and reasonably utilize any 
BFE data available from a 
Federal, state, or other 
source, until such other data 
have been provided by the 
Federal Emergency Management 
Agency as criteria to 
determine the BFEs, including 
wave heights.

M.	Rate Selection Procedure

Factors used in determining 
the appropriate insurance 
rate are:

1.	The elevation of the building relative to the 
BFE adjusted by the wave height factor for 
an individual building site or the actual 
FIRM BFEs on the appropriate FIRM 
(include the effect of wave action [wave 
height]), and

2.	The existence or non-existence of 
obstructions under the beam supporting the 
building's lowest floor.

The replacement cost ratio is 
used to select the specific 
rate.  Complete the 
appropriate section of the 
Application.

XXXV.	 FLOODPROOFED BUILDINGS

Floodproofing and the completion of the 
Floodproofing Certificate are described in detail 
in the Special Certifications section.



N.	Elevation Difference

To determine the elevation difference used for 
the rating of floodproofed buildings, the following 
procedures should be used if rounding is 
necessary:

1.	Round floodproofed elevation to the 
nearest foot if the BFE is shown in feet.  
Convert the floodproofed elevation to 
tenths of feet if the BFE is shown in tenths 
of feet.

2.	The elevation difference should be rounded 
to the nearest higher elevation.  Use 0.5 
feet as the midpoint and always round up.  
(Example:  +1.5 becomes +2;   -0.5 
becomes 0; -1.4 becomes -1; -1.5 becomes 
-1; -1.6 becomes -2.)

In order to qualify for floodproofing credit, 
buildings in AE, A1-A30, AH, and AO Zones 
must be floodproofed to at least 1 foot higher 
than their BFEs.

O.	Rating

When computing a premium for a floodproofed 
building, use the following procedure:

1.	Determine how far above the BFE the 
building is floodproofed.  (For example, the 
building will be floodproofed at +1 foot, +2 
feet, and so forth above BFE.)

2.	Subtract 1 foot to determine the elevation 
to be used in determining the rate and 
computing the premium for the building.

3.	Find the rate for the given building in the 
proper zone at the "adjusted" elevation.

4.	Compute the premium as usual.

The building must be floodproofed to +1 foot in 
order to receive a rate equivalent to a building 
with its lowest floor elevated to the BFE.

For example, if the building is located in Zone 
AO and the community's floodproofing standards 
have been approved to a level of 3 feet above 
the highest adjacent grade (HAG) for the lowest 
floor of a nonfloodproofed building, to qualify for 
With Certification of Compliance rates, a building 
must meet the following standards:


?	Be floodproofed to an elevation of 4 
feet above HAG (1 foot above the 
community's minimum standard of 3 feet 
above HAG).

?	The floodproofing must be certified by a 
registered professional engineer or architect 
on the Floodproofing Certificate or by a 
responsible local official in a letter containing 
the same information requested on the 
Floodproofing Certificate.

?	The certification, certificate, or letter must 
accompany the NFIP Flood Insurance 
Application.

In order to be eligible for lower rates, the insured 
must have a registered professional engineer or 
architect certify that the floodproofing conforms 
to the minimum floodproofing specifications of 
FEMA. This means that the building must be 
floodproofed to at least 1 foot above the BFE. If 
floodproofed to 1 foot above the BFE or flood 
depth, it can then be treated for rating purposes 
as having a "0" elevation difference from the 
BFE. This certification must be submitted with 
the Application for flood insurance.  

To further illustrate, if the building is certified to 
be floodproofed to 2 feet above the BFE, flood 
depth, or comparable community approved 
floodplain management standards, whichever is 
highest, then it is credited for floodproofing and 
is to be treated for rating purposes as having a 
+1 foot elevation.



XXXVI.	THE V-ZONE RISK FACTOR RATING 
FORM

P.	Use

In conjunction with Table 10 (V-Zone Risk 
Rating Relativities Table), this optional form (see 
page RATE 33) may be used to evaluate the 
coastal risk when it is believed that the design, 
placement, and/or construction of a building is 
such that the usual criteria used to establish 
actuarially appropriate rates do not reflect the 
lessened risk of a particular structure.  The form 
may be used to either:

?	Establish a rate prior to issuing a new 
policy, or 

?	Appeal the rate charged on an existing 
policy.

Submit the V-Zone Risk Factor Rating Form for review, along 
with a copy of the site grading and structural 
plans, the Elevation Certificate, and photographs, 
if applicable.

Q.	Submission

The completed form should be 
submitted to the NFIP Bureau 
and Statistical Agent, 
Underwriting Department, P.O. 
Box 310, Lanham, MD  20703.

Confirmation of the 
relativity and established 
rate will be returned to the 
submitting producer, 
engineer, and 
builder/applicant in 
approximately 30 business 
days.




TABLE 10. V-ZONE RISK RATING RELATIVITIES TABLE



Building
Point
Total1
No Obstruction Rates
With Obstruction Rates

Replacemen
t Cost Ratio
.75 or More
Replacemen
t Cost Ratio
.50 to .74
Replacemen
t Cost Ratio
Under .50
Replacemen
t Cost Ratio
.75 or More
Replacement 
Cost Ratio
.50 to .74
Replacement 
Cost Ratio
Under .50
Less than 225
1.200
1.200
1.200
1.150
1.150
1.150
225 – 275
1.100
1.100
1.100
1.050
1.050
1.100
276 – 325
1.000
1.000
1.000
0.950
0.950
1.000
326 – 375
0.900
0.950
1.000
0.950
0.975
1.000
376 – 425
0.800
0.850
0.900
0.875
0.925
0.950
426 – 475
0.700
0.750
0.800
0.800
0.850
0.900
476 – 525
0.600
0.650
0.700
0.725
0.775
0.825
526 – 575
0.500
0.575
0.650
0.650
0.700
0.750
576 – 625
0.400
0.500
0.600
0.600
0.650
0.700
1Subtract from your Building Point Total all points assigned for Item I. LOWEST FLOOR ELEVATION and 
Item IV.A.1. Free of Obstruction because these factors are included in the rate prior to application of any V-
Zone Risk Factor Rating Credit.




















































XIX.	RATING EXAMPLES

TABLE OF CONTENTS


EXAMPLE											PAGE

Example  1	Emergency Program, Standard Deductible	RATE 48


Example  2	Regular Program, Pre-FIRM Construction, $2,000/$1,000
	Deductible Option, Zone B	RATE 49


Example  3	Regular Program, Pre-FIRM Construction, $500 Deductible Option
	(Surcharge), Zone AE	RATE 50


Example  4	Regular Program, Pre-FIRM Construction, $3,000/$2,000 
	Deductible Option, Zone A15	RATE 51


Example  5	Regular Program, Post-FIRM, Elevation Rated, $5,000/$5,000 
	Deductible Option, Zone AE	RATE 52


Example  6	Regular Program, 1975-81 Post-FIRM V1-V30, Elevation Rated, Zone V13	RATE 53


Example  7	Regular Program, Post-1981 VE or V1-V30, with Enclosure, Zone VE	RATE 54


Example  8	Regular Program, Post-FIRM Construction, Contents-Only Policy, Zone A17	RATE 55


Example  9	Regular Program, Post-FIRM, Elevation Rated, $5,000/$5,000
	Deductible Option, Zone AO	RATE 56


Example  10	Regular Program, Post-FIRM, Elevation Rated, $500/$500
	Deductible Option, Zone AO (With Certification of Compliance)	RATE 57


Example  11	Regular Program, Post-FIRM, Elevation Rated, $3,000/$2,000
	Deductible Option, Zone AH	RATE 58


Example  12	Regular Program, Post-FIRM, Elevation Rated, $500/$500
	Deductible Option, Zone AH (With Certification of Compliance)	RATE 59


Example  13	Regular Program, Post-FIRM, Elevation Rated, $500/$500
	Deductible Option, Zone A (with Estimated BFE)	RATE 60


Example  14	Regular Program, Post-FIRM, Elevation Rated, $500/$500 
	Deductible Option, Zone A (without Estimated BFE)	RATE 61


EXAMPLE  1

EMERGENCY PROGRAM, STANDARD DEDUCTIBLE

Data Essential To Determine Appropriate Rates and Premium:

?	Emergency  Program
?	Flood  Zone:  		N/A
?	Occupancy:			Single-Family Dwelling
?	# of Floors:			1 Floor 
?	Basement/Enclosure:	None
?	Deductible:			$1,000/$1,000 (Standard)
?	Deductible Factor:		1.000
?	Contents  Location:		Lowest Floor Above Ground Level
?	Date of Construction:	Pre-FIRM
?	Elevation Difference:	N/A
?	Flood Proofed  Yes/No:	No
?	Building  Coverage:		$35,000
?	Contents:			$10,000
?	ICC  Premium:		N/A
?	CRS  Rating:		N/A
?	CRS  Discount:		N/A

Determined  Rates:
Building:   .76		Contents:    .96


BASIC LIMITS
ADDITIONAL LIMITS
(REGULAR PROGRAM 
ONLY)

DEDUCTIB
LE
BASIC 
AND
ADDITIO
NAL

COVER
AGE
AMOUNT 
OF 
INSURANC
E
RA
TE
ANNU
AL 
PREM
IUM
AMOUNT 
OF
INSURANC
E
RAT
E
ANNU
AL 
PREMI
UM
PREM. 
REDUCTIO
N/
INCREASE
TOTAL 
AMOUNT 
OF 
INSURAN
CE
TOTAL
PREMIUM
BUILDI
NG
35,000
.76
  266



0
35,000
266
CONTE
NTS
10,000
.96
    96



0
10,000
96
RATE TYPE:  (ONE BUILDING PER 
POLICY?BLANKET COVERAGE NOT PERMITTED)
PAYMENT
ANNUAL SUBTOTAL
362
? MANUAL			? SUBMIT FOR 
RATING
OPTION:
ICC PREMIUM
?
? ALTERNATIVE		? V-ZONE RISK 
RATING FORM
? CREDIT 
CARD
SUBTOTAL
362
? MORTGAGE PORTFOLIO PROTECTION 
PROGRAM
? OTHER:
CRS PREMIUM 
DISCOUNT              %
?
? PROVISIONAL RATING

SUBTOTAL
362
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY 
KNOWLEDGE.  I UNDERSTAND
PROBATION 
SURCHARGE
?
THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE 
OR IMPRISONMENT UNDER
FEDERAL POLICY FEE
30
APPLICABLE FEDERAL LAW.

TOTAL PREPAID 
AMOUNT
392
SIGNATURE OF INSURANCE AGENT/BROKER		
	DATE (MM/DD/YY) 



Premium  Calculation:

1.    Multiply Rate  x  $100 of Coverage:  		Building:  $266 / Contents:  $96
2.    Apply Deductible Factor:			Building:  1.000 x $266 = $266  /  Contents:  1.000 x $96 = $96
3.    Premium Reduction/Increase:		Building:  $0 / Contents:  $0
4.    Subtotal:					$362
5.    Add ICC Premium:				N/A
6.    Subtract CRS Discount:			N/A
7.    Subtotal:					$362
8.    Probation Surcharge:			N/A
9.    Add Federal Policy Fee:			$30
10.  Total Prepaid Amount:			$392


EXAMPLE  2

REGULAR PROGRAM, PRE-FIRM CONSTRUCTION, $2,000/$1,000 DEDUCTIBLE OPTION, ZONE B

Data Essential To Determine Appropriate Rates and Premium:

?	Regular  Program
?	Flood  Zone:  		B
?	Occupancy:			Single-Family Dwelling
?	# of Floors:			2  Floors
?	Basement/Enclosure:	None
?	Deductible:			$2,000/$1,000
?	Deductible Factor:		.915
?	Contents  Location:		Lowest Floor Above Ground Level and Higher Floors
?	Date of Construction:	Pre-FIRM
?	Elevation Difference:	N/A
?	Flood Proofed  Yes/No:	No
?	Building  Coverage:		$150,000
?	Contents  Coverage:	$60,000
?	ICC  Premium:		$6
?	CRS  Rating:		N/A
?	CRS  Discount:		N/A

Determined  Rates:
Building:   .64/.14		Contents:    .99/.25


BASIC LIMITS
ADDITIONAL LIMITS
(REGULAR PROGRAM 
ONLY)

DEDUCTIB
LE
BASIC 
AND
ADDITIO
NAL

COVER
AGE
AMOUNT 
OF 
INSURANC
E
RA
TE
ANNU
AL 
PREM
IUM
AMOUNT 
OF
INSURANC
E
RAT
E
ANNU
AL 
PREMI
UM
PREM. 
REDUCTIO
N/
INCREASE
TOTAL 
AMOUNT 
OF 
INSURAN
CE
TOTAL
PREMIUM
BUILDI
NG
50,000
.64
  320
100,000
.14
140
-39
150,000
421
CONTE
NTS
20,000
.99
  198
40,000
.25
100
-25
60,000
273
RATE TYPE:  (ONE BUILDING PER 
POLICY?BLANKET COVERAGE NOT PERMITTED)
PAYMENT
ANNUAL SUBTOTAL
694
? MANUAL			? SUBMIT FOR 
RATING
OPTION:
ICC PREMIUM
6
? ALTERNATIVE		? V-ZONE RISK 
RATING FORM
? CREDIT 
CARD
SUBTOTAL
700
? MORTGAGE PORTFOLIO PROTECTION 
PROGRAM
? OTHER:
CRS PREMIUM 
DISCOUNT              %
?
? PROVISIONAL RATING

SUBTOTAL
700
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY 
KNOWLEDGE.  I UNDERSTAND
PROBATION 
SURCHARGE
?
THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE 
OR IMPRISONMENT UNDER
FEDERAL POLICY FEE
30
APPLICABLE FEDERAL LAW.
TOTAL PREPAID 
AMOUNT
730
SIGNATURE OF INSURANCE AGENT/BROKER		
	DATE (MM/DD/YY) 



Premium  Calculation:

1.    Multiply Rate  x  $100 of Coverage:  		Building: $460  /  Contents: $298
2.    Apply Deductible Factor:			Building:  .915 x $460 = $421  /  Contents: .915 x $298 = $273
3.    Premium Reduction:			Building:  $460 - $421 = $39  /  Contents:  $298 - $273 = $25
4.    Subtotal:					$694
5.    Add ICC Premium:				$6
6.    Subtract  CRS  Discount:			N/A
7.    Subtotal:					$700
8.    Probation Surcharge:			N/A
9.    Add Federal Policy Fee:			$30
10.  Total Prepaid Amount:			$730


EXAMPLE  3

REGULAR PROGRAM, PRE-FIRM CONSTRUCTION, $500 DEDUCTIBLE OPTION (SURCHARGE), ZONE AE

Data Essential To Determine Appropriate Rates and Premium:

?	Regular  Program
?	Flood  Zone:  		AE
?	Occupancy:			Single-Family Dwelling
?	# of Floors:			2  Floors
?	Basement/Enclosure:	Enclosure
?	Deductible:			$500/$500
?	Deductible Factor:		1.100 (Surcharge)
?	Contents  Location:		Enclosure and Above
?	Date of Construction:	Pre-FIRM
?	Elevation Difference:	N/A
?	Flood Proofed  Yes/No:	No
?	Building  Coverage:		$150,000
?	Contents  Coverage:	$60,000
?	ICC  Premium:		$75
?	CRS  Rating:		N/A
?	CRS  Discount:		N/A

Determined  Rates:
Building:   .81/.60		Contents:    .96/.60


BASIC LIMITS
ADDITIONAL LIMITS
(REGULAR PROGRAM 
ONLY)

DEDUCTIB
LE
BASIC 
AND
ADDITIO
NAL

COVER
AGE
AMOUNT 
OF 
INSURANC
E
RA
TE
ANNU
AL 
PREM
IUM
AMOUNT 
OF
INSURANC
E
RAT
E
ANNU
AL 
PREMI
UM
PREM. 
REDUCTIO
N/
INCREASE
TOTAL 
AMOUNT 
OF 
INSURAN
CE
TOTAL
PREMIUM
BUILDI
NG
50,000
.81
  405
100,000
.60
600
+101
150,000
1,106
CONTE
NTS
20,000
.96
  192
40,000
.60
240
+43
60,000
475
RATE TYPE:  (ONE BUILDING PER 
POLICY?BLANKET COVERAGE NOT PERMITTED)
PAYMENT
ANNUAL SUBTOTAL
1,581
? MANUAL			? SUBMIT FOR 
RATING
OPTION:
ICC PREMIUM
75
? ALTERNATIVE		? V-ZONE RISK 
RATING FORM
? CREDIT 
CARD
SUBTOTAL
1,656
? MORTGAGE PORTFOLIO PROTECTION 
PROGRAM
? OTHER:
CRS PREMIUM 
DISCOUNT              %
?
? PROVISIONAL RATING

SUBTOTAL
1,656
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY 
KNOWLEDGE.  I UNDERSTAND
PROBATION 
SURCHARGE
?
THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE 
OR IMPRISONMENT UNDER
FEDERAL POLICY FEE
30
APPLICABLE FEDERAL LAW.
TOTAL PREPAID 
AMOUNT
1,686
SIGNATURE OF INSURANCE AGENT/BROKER		
	DATE (MM/DD/YY) 



Premium  Calculation:

1.    Multiply Rate  x  $100 of Coverage:	Building: $1,005  /  Contents: $432
2.    Apply Deductible Factor:	Building:  1.100 x $1,005 = $1,106  /  Contents:  1.100 x $432 = 
$475
3.    Premium Increase:	Building:  $1,106 - $1,105 = $101  /  Contents:  $475 - $432 = $43
4.    Subtotal:	$1,581
5.    Add ICC Premium:	$75
6.    Subtract  CRS  Discount:	N/A
7.    Subtotal:	$1,656
8.    Probation Surcharge:	N/A
9.    Add Federal Policy Fee:	$30
10.  Total Prepaid Amount:	$1,686







EXAMPLE  4

REGULAR PROGRAM, PRE-FIRM CONSTRUCTION, $3,000/$2,000 DEDUCTIBLE OPTION, ZONE A15

Data Essential To Determine Appropriate Rates and Premium:

?	Regular  Program
?	Flood  Zone:  		A15
?	Occupancy:			Single-Family Dwelling
?	# of Floors:			3  Floors
?	Basement/Enclosure:	Basement
?	Deductible:			$3,000/$2,000  Building and Contents
?	Deductible Factor:		.875
?	Contents  Location:		Basement and Above
?	Date of Construction:	Pre-FIRM
?	Elevation Difference:	N/A
?	Flood Proofed  Yes/No:	No
?	Building  Coverage:		$250,000
?	Contents  Coverage:	$100,000
?	ICC  Premium:		$60
?	CRS  Rating:		4
?	CRS  Discount:		30%

Determined  Rates:
Building:   .81/.50		Contents:    .96/.50


BASIC LIMITS
ADDITIONAL LIMITS
(REGULAR PROGRAM 
ONLY)

DEDUCTIB
LE
BASIC 
AND
ADDITIO
NAL

COVER
AGE
AMOUNT 
OF 
INSURANC
E
RA
TE
ANNU
AL 
PREM
IUM
AMOUNT 
OF
INSURANC
E
RAT
E
ANNU
AL 
PREMI
UM
PREM. 
REDUCTIO
N/
INCREASE
TOTAL 
AMOUNT 
OF 
INSURAN
CE
TOTAL
PREMIUM
BUILDI
NG
50,000
.81
  405
200,000
.50
1,000
-176
250,000
1,229
CONTE
NTS
20,000
.96
  192
  80,000
.50
400
-74
100,000
518
RATE TYPE:  (ONE BUILDING PER 
POLICY?BLANKET COVERAGE NOT PERMITTED)
PAYMENT
ANNUAL SUBTOTAL
1,747
? MANUAL			? SUBMIT FOR 
RATING
OPTION:
ICC PREMIUM
60
? ALTERNATIVE		? V-ZONE RISK 
RATING FORM
? CREDIT 
CARD
SUBTOTAL
1,807
? MORTGAGE PORTFOLIO PROTECTION 
PROGRAM
? OTHER:
CRS PREMIUM 
DISCOUNT          30%
-542
? PROVISIONAL RATING

SUBTOTAL
1,265
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY 
KNOWLEDGE.  I UNDERSTAND
PROBATION 
SURCHARGE
?
THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE 
OR IMPRISONMENT UNDER
FEDERAL POLICY FEE
30
APPLICABLE FEDERAL LAW.

TOTAL PREPAID 
AMOUNT
1,295
SIGNATURE OF INSURANCE AGENT/BROKER		
	DATE (MM/DD/YY) 



Premium  Calculation:

1.    Multiply Rate  x  $100 of Coverage:  		Building: $1,405  /  Contents: $592
2.    Apply Deductible Factor:			Building:  .875 x $1,405 = $1,229  /  Contents:  .875 x $592 = $518
3.    Premium Reduction:			Building:  $1,405 - $1,229 = $176  /  Contents:  $592 - $518 = $74
4.    Subtotal:					$1,747
5.    Add ICC Premium:				$60
6.    Subtract CRS Discount:			-$542    (30%)
7.    Subtotal:					$1,265
8.    Probation Surcharge:			N/A
9.    Add Federal Policy Fee:			$30
10.  Total Prepaid Amount:			$1,295



EXAMPLE  5

REGULAR PROGRAM, POST-FIRM, ELEVATION RATED, $5,000/$5,000 DEDUCTIBLE OPTION, ZONE AE

Data Essential To Determine Appropriate Rates and Premium:

?	Regular  Program
?	Flood  Zone:  		AE
?	Occupancy:			Non-Residential
?	# of Floors:			2  Floors 
?	Basement/Enclosure:	None
?	Deductible:			$5,000/$5,000
?	Deductible Factor:		.870
?	Contents  Location:		Above Ground Level and Higher Floors
?	Date of Construction:	Post-FIRM
?	Elevation Difference:	+4
?	Flood Proofed  Yes/No:	No
?	Building  Coverage:		$500,000
?	Contents  Coverage:	$500,000
?	ICC  Premium:		$4
?	CRS  Rating:		5
?	CRS  Discount:		25%

Determined  Rates:
Building:   .20/.08		Contents:    .22/.12


BASIC LIMITS
ADDITIONAL LIMITS
(REGULAR PROGRAM 
ONLY)

DEDUCTIB
LE
BASIC 
AND
ADDITIO
NAL

COVER
AGE
AMOUNT 
OF 
INSURANC
E
RA
TE
ANNU
AL 
PREM
IUM
AMOUNT 
OF
INSURANC
E
RAT
E
ANNU
AL 
PREMI
UM
PREM. 
REDUCTIO
N/
INCREASE
TOTAL 
AMOUNT 
OF 
INSURA
NCE
TOTAL
PREMIUM
BUILDI
NG
150,000
.20
  300
350,000
.08
280
-75
500,000
505
CONTE
NTS
130,000
.22
  286
370,000
.12
444
-95
500,000
635
RATE TYPE:  (ONE BUILDING PER 
POLICY?BLANKET COVERAGE NOT PERMITTED)
PAYMENT
ANNUAL SUBTOTAL
1,140
? MANUAL			? SUBMIT FOR 
RATING
OPTION:
ICC PREMIUM
4
? ALTERNATIVE		? V-ZONE RISK 
RATING FORM
? CREDIT 
CARD
SUBTOTAL
1,144
? MORTGAGE PORTFOLIO PROTECTION 
PROGRAM
? OTHER:
CRS PREMIUM 
DISCOUNT            25%
-286
? PROVISIONAL RATING

SUBTOTAL
858
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY 
KNOWLEDGE.  I UNDERSTAND
PROBATION 
SURCHARGE
?
THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE 
OR IMPRISONMENT UNDER
FEDERAL POLICY FEE
30
APPLICABLE FEDERAL LAW.

TOTAL PREPAID 
AMOUNT
888
SIGNATURE OF INSURANCE AGENT/BROKER		
	DATE (MM/DD/YY) 



Premium  Calculation:

1.    Multiply Rate  x  $100 of Coverage: 	 	Building:  $580  /  Contents:  $730
2.    Apply Deductible Factor:			Building:  .870 x $580 = $505  /  Contents:  .870 x $730 = $635
3.    Premium Reduction:			Building:  $580 - $505 = $75  /  Contents:  $730 - $635 = $95
4.    Subtotal:					$1,140
5.    Add ICC Premium:				$4
6.    Subtract  CRS  Discount:			-$286    (25%)
7.    Subtotal:					$858
8.    Probation Surcharge:			N/A
9.    Add Federal Policy Fee:			$30
10.  Total Prepaid Amount:			$888





EXAMPLE  6

REGULAR PROGRAM, 1975-81 POST-FIRM V1-V30, ELEVATION RATED, ZONE V13

Data Essential To Determine Appropriate Rates and Premium:

?	Regular  Program
?	Flood  Zone:  		V13
?	Occupancy:			Single-Family Dwelling
?	# of Floors:			2  Floors
?	Basement/Enclosure:	None
?	Deductible:			$500/$500
?	Deductible Factor:		1.000
?	Contents  Location:		Lowest Floor Above Ground Level and Higher Floors
?	Date of Construction:	1975 - 81 (Post-FIRM)
?	Elevation Difference:	+1
?	Flood Proofed  Yes/No:	No
?	Building  Coverage:		$150,000
?	Contents  Coverage:	$100,000
?	ICC  Premium:		$35
?	CRS  Rating:		8
?	CRS  Discount:		10%

Determined  Rates:
Building:   1.53/.34		Contents:    1.92/.45


BASIC LIMITS
ADDITIONAL LIMITS
(REGULAR PROGRAM 
ONLY)

DEDUCTIB
LE
BASIC 
AND
ADDITIO
NAL

COVER
AGE
AMOUNT 
OF 
INSURAN
CE
RAT
E
ANNU
AL 
PREM
IUM
AMOUNT 
OF
INSURANCE
RAT
E
ANNU
AL 
PREMI
UM
PREM. 
REDUCTIO
N/
INCREASE
TOTAL 
AMOUNT 
OF 
INSURAN
CE
TOTAL
PREMIUM
BUILDI
NG
50,000
1.53
  765
100,000
.34
340
0
150,000
1,105
CONTE
NTS
20,000
1.92
  334
  80,000
.45
360
0
100,000
744
RATE TYPE:  (ONE BUILDING PER 
POLICY?BLANKET COVERAGE NOT PERMITTED)
PAYMENT
ANNUAL SUBTOTAL
1,849
? MANUAL			? SUBMIT FOR 
RATING
OPTION:
ICC PREMIUM
35
? ALTERNATIVE		? V-ZONE RISK 
RATING FORM
? CREDIT 
CARD
SUBTOTAL
1,884
? MORTGAGE PORTFOLIO PROTECTION 
PROGRAM
? OTHER:
CRS PREMIUM 
DISCOUNT          10%
-188
?  PROVISIONAL RATING

SUBTOTAL
1,696
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY 
KNOWLEDGE.  I UNDERSTAND
PROBATION 
SURCHARGE
?
THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE 
OR IMPRISONMENT UNDER
FEDERAL POLICY FEE
30
APPLICABLE FEDERAL LAW.

TOTAL PREPAID 
AMOUNT
1,726
SIGNATURE OF INSURANCE AGENT/BROKER		
	DATE (MM/DD/YY) 



Premium  Calculation:

1.    Multiply Rate  x  $100 of Coverage:  		Building:  $1,105 / Contents: $744
2.    Apply Deductible Factor:			Building:  1.000 x $1,105 = $1,105 / Contents:  1.000 x $744 = $744
3.    Premium Reduction/Increase:		Building:  $0 / Contents:  $0
4.    Subtotal:					$1,849
5.    Add ICC Premium:				$35
6.    Subtract CRS Discount:			-$188    (10%)
7.    Subtotal:					$1,696
8.    Probation Surcharge:			N/A
9.    Add Federal Policy Fee:			$30
10.  Total Prepaid Amount:			$1,726



EXAMPLE  7

REGULAR PROGRAM, POST-1981 VE OR V1-V30, WITH ENCLOSURE, ZONE VE

Data Essential To Determine Appropriate Rates and Premium:

?	Regular  Program
?	Flood  Zone:  		VE
?	Occupancy:			Single-Family Dwelling
?	# of Floors:			3 or More Floors
?	Basement/Enclosure:	Enclosure     (< 300  sq. ft., w/o M&E)
?	Deductible:			$3,000/$3,000
?	Deductible Factor:		.825
?	Contents  Location:		Lowest Floor Above Ground Level and Higher Floors
?	Date of Construction:	Post-81
?	Elevation Difference:	-1
?	Flood Proofed  Yes/No:	No
?	Replacement  Cost:		$300,000
?	Building  Coverage:		$250,000
?	Contents  Coverage:	$100,000
?	ICC  Premium:		$14
?	CRS  Rating:		9
?	CRS  Discount:		5%

Determined  Rates:	
Building:   2.24/2.24		Contents:    1.68/1.68


BASIC LIMITS
ADDITIONAL LIMITS
(REGULAR PROGRAM 
ONLY)

DEDUCTIB
LE
BASIC 
AND
ADDITIO
NAL

COVER
AGE
AMOUNT 
OF 
INSURAN
CE
RAT
E
ANNU
AL 
PREMI
UM
AMOUNT OF
INSURANCE
RAT
E
ANNU
AL 
PREM
IUM
PREM. 
REDUCTI
ON/
INCREASE
TOTAL 
AMOUN
T OF 
INSURA
NCE
TOTAL
PREMIUM
BUILDI
NG
50,000
2.24
  1,120
200,000
2.24
4,480
-980
250,000
4,620
CONTE
NTS
20,000
1.68
     336
  80,000
1.68
1,344
-294
100,000
1,386
RATE TYPE:  (ONE BUILDING PER 
POLICY?BLANKET COVERAGE NOT PERMITTED)
PAYMENT
ANNUAL SUBTOTAL
6,006
? MANUAL			? SUBMIT FOR 
RATING
OPTION:
ICC PREMIUM
14
? ALTERNATIVE		? V-ZONE RISK 
RATING FORM
? CREDIT 
CARD
SUBTOTAL
6,020
? MORTGAGE PORTFOLIO PROTECTION 
PROGRAM
? OTHER:
CRS PREMIUM 
DISCOUNT          5%
-301
? PROVISIONAL RATING

SUBTOTAL
5,719
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY 
KNOWLEDGE.  I UNDERSTAND
PROBATION 
SURCHARGE
?
THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE 
OR IMPRISONMENT UNDER
FEDERAL POLICY 
FEE
30
APPLICABLE FEDERAL LAW.

TOTAL PREPAID 
AMOUNT
5,749
SIGNATURE OF INSURANCE AGENT/BROKER		
	DATE (MM/DD/YY) 



Premium  Calculation:

	1.    Multiply Rate  x  $100 of Coverage:  	Building: $5,600  /  Contents: $1,680
	2.    Apply Deductible Factor:	Building: .825 x $5,600 = $4,620  /  Contents:  .825 x $1,680 = $1,386
	3.    Premium Reduction:	Building: $5,600 - $4,620 = $980  /  Contents: $1,680 - $1,386 = $294
	4.    Subtotal:	$6,006
	5.    Add ICC Premium:	$14
	6.    Subtract  CRS  Discount:	-$301    (5%)
	7.    Subtotal:	$5,719
	8.    Probation Surcharge:	N/A
	9.    Add Federal Policy Fee:	$30
	10.  Total Prepaid Amount:	$5,749


EXAMPLE  8

REGULAR PROGRAM, POST-FIRM CONSTRUCTION, CONTENTS-ONLY POLICY, ZONE A17

Data Essential To Determine Appropriate Rates and Premium:

?	Regular  Program
?	Flood  Zone:  		A17
?	Occupancy:			2-4 Family Dwelling (Renter's Policy)
?	# of Floors:			2  Floors
?	Basement/Enclosure:	None
?	Deductible:			$500
?	Deductible Factor:		1.000
?	Contents  Location:		Above Ground Level and Higher Floors
?	Date of Construction:	Post-FIRM
?	Elevation Difference:	+2
?	Flood Proofed  Yes/No:	No
?	Building  Coverage:		N/A
?	Contents  Coverage:	$100,000
?	ICC  Premium:		N/A
?	CRS  Rating:		N/A
?	CRS  Discount:		N/A

Determined  Rates:
Building:   N/A		Contents:    .38/.12


BASIC LIMITS
ADDITIONAL LIMITS
(REGULAR PROGRAM 
ONLY)

DEDUCTIB
LE
BASIC 
AND
ADDITIO
NAL

COVER
AGE
AMOUNT 
OF 
INSURANC
E
RA
TE
ANNU
AL 
PREM
IUM
AMOUNT 
OF
INSURANC
E
RAT
E
ANNU
AL 
PREMI
UM
PREM. 
REDUCTIO
N/
INCREASE
TOTAL 
AMOUNT 
OF 
INSURAN
CE
TOTAL
PREMIUM
BUILDI
NG
               0








CONTE
NTS
 20,000
.38
76
  80,000
.12
  96
0
100,000
172
RATE TYPE:  (ONE BUILDING PER 
POLICY?BLANKET COVERAGE NOT PERMITTED)
PAYMENT
ANNUAL SUBTOTAL
172
? MANUAL			? SUBMIT FOR 
RATING
OPTION:
ICC PREMIUM
?
? ALTERNATIVE		? V-ZONE RISK 
RATING FORM
? CREDIT 
CARD
SUBTOTAL
172
? MORTGAGE PORTFOLIO PROTECTION 
PROGRAM
? OTHER:
CRS PREMIUM 
DISCOUNT              %
?
? PROVISIONAL RATING

SUBTOTAL
172
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY 
KNOWLEDGE.  I UNDERSTAND
PROBATION 
SURCHARGE
?
THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE 
OR IMPRISONMENT UNDER
FEDERAL POLICY FEE
30
APPLICABLE FEDERAL LAW.

TOTAL PREPAID 
AMOUNT
202
SIGNATURE OF INSURANCE AGENT/BROKER		
	DATE (MM/DD/YY) 



Premium  Calculation:

1.    Multiply Rate  x  $100 of Coverage:  		Building:  N/A  /  Contents: $172
2.    Apply Deductible Factor:			Building:  N/A  /  Contents:  1.000 x $172 = $172
3.    Premium Reduction/Increase:		Building:  N/A  /  Contents:  $0
4.    Subtotal:					$172
5.    Add ICC Premium:				N/A
6.    Subtract CRS  Discount:			N/A
7.    Subtotal:					$172
8.    Probation Surcharge:			N/A
9.    Add Federal Policy Fee:			$30
10.  Total Prepaid Amount:			$202



EXAMPLE  9

REGULAR PROGRAM, POST-FIRM, ELEVATION RATED, $5,000/$5,000 DEDUCTIBLE OPTION, ZONE AO

Data Essential To Determine Appropriate Rates and Premium:

?	Regular  Program
?	Flood  Zone:  		AO
?	Occupancy:			Non-Residential
?	# of Floors:			2  Floors 
?	Basement/Enclosure:	None
?	Deductible:			$5,000/$5,000
?	Deductible Factor:		.870
?	Contents  Location:		Above Ground Level and Higher Floors
?	Date of Construction:	Post-FIRM
?	Elevation Difference:	-1
?	Flood Proofed  Yes/No:	No
?	Building  Coverage:		$500,000
?	Contents  Coverage:	$500,000
?	ICC  Premium:		$4
?	CRS  Rating:		5
?	CRS  Discount:		25%

Determined  Rates:
Building:   .84/.30		Contents:    1.63/.25


BASIC LIMITS
ADDITIONAL LIMITS
(REGULAR PROGRAM 
ONLY)

DEDUCTIB
LE
BASIC 
AND
ADDITIO
NAL

COVER
AGE
AMOUNT 
OF 
INSURANC
E
RA
TE
ANNU
AL 
PREM
IUM
AMOUNT 
OF
INSURANC
E
RAT
E
ANNU
AL 
PREMI
UM
PREM. 
REDUCTIO
N/
INCREASE
TOTAL 
AMOUNT 
OF 
INSURA
NCE
TOTAL
PREMIUM
BUILDI
NG
150,000
.84
  
1,260
350,000
.30
1,050
-300
500,000
2,010
CONTE
NTS
130,000
1.6
3
  
2,119
370,000
.25
925
-396
500,000
2,648
RATE TYPE:  (ONE BUILDING PER 
POLICY?BLANKET COVERAGE NOT PERMITTED)
PAYMENT
ANNUAL SUBTOTAL
4,658
? MANUAL			? SUBMIT FOR 
RATING
OPTION:
ICC PREMIUM
4
? ALTERNATIVE		? V-ZONE RISK 
RATING FORM
? CREDIT 
CARD
SUBTOTAL
4,662
? MORTGAGE PORTFOLIO PROTECTION 
PROGRAM
? OTHER:
CRS PREMIUM 
DISCOUNT            25%
1,166
? PROVISIONAL RATING

SUBTOTAL
3,496
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY 
KNOWLEDGE.  I UNDERSTAND
PROBATION 
SURCHARGE
?
THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE 
OR IMPRISONMENT UNDER
FEDERAL POLICY FEE
30
APPLICABLE FEDERAL LAW.

TOTAL PREPAID 
AMOUNT
3,526
SIGNATURE OF INSURANCE AGENT/BROKER		
	DATE (MM/DD/YY) 



Premium  Calculation:

1.    Multiply Rate  x  $100 of Coverage: 	 	Building:  $2,310  /  Contents:  $3,044
2.    Apply Deductible Factor:			Building:  .870 x $2,310 = $2,010  /  Contents:  .870 x $3,044 = $2,648
3.    Premium Reduction:			Building:  $2,310 - $2,010 = $300  /  Contents:  $3,044 - $2,648 = $396
4.    Subtotal:					$4,662
5.    Add ICC Premium:				$4
6.    Subtract  CRS  Discount:			-$1,166    (25%)
7.    Subtotal:					$3,496
8.    Probation Surcharge:			N/A
9.    Add Federal Policy Fee:			$30
10.  Total Prepaid Amount:			$3,526







EXAMPLE  10

REGULAR PROGRAM, POST-FIRM, ELEVATION RATED, $500/$500 DEDUCTIBLE OPTION,
ZONE AO (WITH CERTIFICATION OF COMPLIANCE)

Data Essential To Determine Appropriate Rates and Premium:

?	Regular  Program
?	Flood  Zone:  		AO (With Certification of Compliance)
?	Occupancy:			Single-Family Dwelling
?	# of Floors:			2  Floors 
?	Basement/Enclosure:	None
?	Deductible:			$500/$500
?	Deductible Factor:		1.000
?	Contents  Location:		Above Ground Level and Higher Floors
?	Date of Construction:	Post-FIRM
?	Elevation Difference:	+1
?	Flood Proofed  Yes/No:	No
?	Building  Coverage:		$250,000
?	Contents  Coverage:	$100,000
?	ICC  Premium:		$4
?	CRS  Rating:		N/A
?	CRS  Discount:		N/A

Determined  Rates:
Building:   .25/.06		Contents:    .34/.11


BASIC LIMITS
ADDITIONAL LIMITS
(REGULAR PROGRAM 
ONLY)

DEDUCTIB
LE
BASIC 
AND
ADDITIO
NAL

COVER
AGE
AMOUNT 
OF 
INSURANC
E
RA
TE
ANNU
AL 
PREM
IUM
AMOUNT 
OF
INSURANC
E
RAT
E
ANNU
AL 
PREMI
UM
PREM. 
REDUCTIO
N/
INCREASE
TOTAL 
AMOUNT 
OF 
INSURA
NCE
TOTAL
PREMIUM
BUILDI
NG
50,000
.25
  125
200,000
.06
120
0
250,000
245
CONTE
NTS
20,000
.34
    68
80,000
.11
88
0
100,000
156
RATE TYPE:  (ONE BUILDING PER 
POLICY?BLANKET COVERAGE NOT PERMITTED)
PAYMENT
ANNUAL SUBTOTAL
401
? MANUAL			? SUBMIT FOR 
RATING
OPTION:
ICC PREMIUM
4
? ALTERNATIVE		? V-ZONE RISK 
RATING FORM
? CREDIT 
CARD
SUBTOTAL
405
? MORTGAGE PORTFOLIO PROTECTION 
PROGRAM
? OTHER:
CRS PREMIUM 
DISCOUNT               %
—
? PROVISIONAL RATING

SUBTOTAL
405
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY 
KNOWLEDGE.  I UNDERSTAND
PROBATION 
SURCHARGE
—
THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE 
OR IMPRISONMENT UNDER
FEDERAL POLICY FEE
30
APPLICABLE FEDERAL LAW.

TOTAL PREPAID 
AMOUNT
435
SIGNATURE OF INSURANCE AGENT/BROKER		
	DATE (MM/DD/YY) 



Premium  Calculation:

1.    Multiply Rate  x  $100 of Coverage: 	 	Building:  $245  /  Contents:  $156
2.    Apply Deductible Factor:			Building:  1.000 x $245 = $245  /  Contents:  1.000 x $156 = $156
3.    Premium Reduction:			Building:  $0  /  Contents: = $0
4.    Subtotal:					$405
5.    Add ICC Premium:				$4
6.    Subtract  CRS  Discount:			N/A
7.    Subtotal:					$405
8.    Probation Surcharge:			N/A
9.    Add Federal Policy Fee:			$30
10.  Total Prepaid Amount:			$435






EXAMPLE  11

REGULAR PROGRAM, POST-FIRM, ELEVATION RATED, $3,000/$2,000 DEDUCTIBLE OPTION, ZONE AH

Data Essential To Determine Appropriate Rates and Premium:

?	Regular  Program
?	Flood  Zone:  		AH
?	Occupancy:			Single-Family Dwelling
?	# of Floors:			1  Floor
?	Basement/Enclosure:	None
?	Deductible:			$3,000/$2,000
?	Deductible Factor:		.875
?	Contents  Location:		Lowest Floor Above Ground Level
?	Date of Construction:	Post-FIRM
?	Elevation Difference:	-1
?	Flood Proofed  Yes/No:	No
?	Building  Coverage:		$250,000
?	Contents  Coverage:	$25,000
?	ICC  Premium:		$4
?	CRS  Rating:		N/A
?	CRS  Discount:		N/A

Determined  Rates:
Building:   .84/.30		Contents:    1.63/.25


BASIC LIMITS
ADDITIONAL LIMITS
(REGULAR PROGRAM 
ONLY)

DEDUCTIB
LE
BASIC 
AND
ADDITIO
NAL

COVER
AGE
AMOUNT 
OF 
INSURANC
E
RA
TE
ANNU
AL 
PREM
IUM
AMOUNT 
OF
INSURANC
E
RAT
E
ANNU
AL 
PREMI
UM
PREM. 
REDUCTIO
N/
INCREASE
TOTAL 
AMOUNT 
OF 
INSURA
NCE
TOTAL
PREMIUM
BUILDI
NG
50,000
.84
  420
200,000
.30
600
-127
250,000
893
CONTE
NTS
20,000
1.6
3
  326
5,000
.25
13
-42
25,000
297
RATE TYPE:  (ONE BUILDING PER 
POLICY?BLANKET COVERAGE NOT PERMITTED)
PAYMENT
ANNUAL SUBTOTAL
1,190
? MANUAL			? SUBMIT FOR 
RATING
OPTION:
ICC PREMIUM
4
? ALTERNATIVE		? V-ZONE RISK 
RATING FORM
? CREDIT 
CARD
SUBTOTAL
1,194
? MORTGAGE PORTFOLIO PROTECTION 
PROGRAM
? OTHER:
CRS PREMIUM 
DISCOUNT  30%
-358
? PROVISIONAL RATING

SUBTOTAL
836
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY 
KNOWLEDGE.  I UNDERSTAND
PROBATION 
SURCHARGE
—
THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE 
OR IMPRISONMENT UNDER
FEDERAL POLICY FEE
30
APPLICABLE FEDERAL LAW.

TOTAL PREPAID 
AMOUNT
866
SIGNATURE OF INSURANCE AGENT/BROKER		
	DATE (MM/DD/YY) 



Premium  Calculation:

1.    Multiply Rate  x  $100 of Coverage: 	 	Building:  $1,020  /  Contents:  $339
2.    Apply Deductible Factor:			Building:  .875 x $1,020 = $893  /  Contents:  .875 x $339 = $297
3.    Premium Reduction:			Building:  $1,020 - $893 = $127  /  Contents = $339 - $297 = $42
4.    Subtotal:					$1,190
5.    Add ICC Premium:				$4
6.    Subtract  CRS  Discount:			$358
7.    Subtotal:					$836
8.    Probation Surcharge:			N/A
9.    Add Federal Policy Fee:			$30
10.  Total Prepaid Amount:			$866






EXAMPLE  12

REGULAR PROGRAM, POST-FIRM, ELEVATION RATED, $500/$500 DEDUCTIBLE OPTION,
ZONE AH (WITH CERTIFICATION OF COMPLIANCE)

Data Essential To Determine Appropriate Rates and Premium:

?	Regular  Program
?	Flood  Zone:  		AH (With Certification of Compliance)
?	Occupancy:			2-4 Family Dwelling
?	# of Floors:			2  Floors
?	Basement/Enclosure:	None
?	Deductible:			$500/$500
?	Deductible Factor:		1.000
?	Contents  Location:		Above Ground Level and Higher Floors
?	Date of Construction:	Post-FIRM
?	Elevation Difference:	+3
?	Flood Proofed  Yes/No:	No
?	Building  Coverage:		$200,000
?	Contents  Coverage:	$40,000
?	ICC  Premium:		$4
?	CRS  Rating:		N/A
?	CRS  Discount:		N/A

Determined  Rates:
Building:   .25/.06		Contents:    .34/.11


BASIC LIMITS
ADDITIONAL LIMITS
(REGULAR PROGRAM 
ONLY)

DEDUCTIB
LE
BASIC 
AND
ADDITIO
NAL

COVER
AGE
AMOUNT 
OF 
INSURANC
E
RA
TE
ANNU
AL 
PREM
IUM
AMOUNT 
OF
INSURANC
E
RAT
E
ANNU
AL 
PREMI
UM
PREM. 
REDUCTIO
N/
INCREASE
TOTAL 
AMOUNT 
OF 
INSURA
NCE
TOTAL
PREMIUM
BUILDI
NG
50,000
.25
  125
150,000
.06
90
0
200,000
215
CONTE
NTS
20,000
.34
    68
20,000
.11
22
0
40,000
90
RATE TYPE:  (ONE BUILDING PER 
POLICY?BLANKET COVERAGE NOT PERMITTED)
PAYMENT
ANNUAL SUBTOTAL
305
? MANUAL			? SUBMIT FOR 
RATING
OPTION:
ICC PREMIUM
6
? ALTERNATIVE		? V-ZONE RISK 
RATING FORM
? CREDIT 
CARD
SUBTOTAL
311
? MORTGAGE PORTFOLIO PROTECTION 
PROGRAM
? OTHER:
CRS PREMIUM 
DISCOUNT               %
—
? PROVISIONAL RATING

SUBTOTAL
311
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY 
KNOWLEDGE.  I UNDERSTAND
PROBATION 
SURCHARGE
—
THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE 
OR IMPRISONMENT UNDER
FEDERAL POLICY FEE
30
APPLICABLE FEDERAL LAW.

TOTAL PREPAID 
AMOUNT
341
SIGNATURE OF INSURANCE AGENT/BROKER		
	DATE (MM/DD/YY) 



Premium  Calculation:

1.    Multiply Rate  x  $100 of Coverage: 	 	Building:  $215  /  Contents:  $90
2.    Apply Deductible Factor:			Building:  1.000 x $215 = $215  /  Contents:  1.000 x $90 = $90
3.    Premium Reduction:			Building:  $0  /  Contents: $0
4.    Subtotal:					$305
5.    Add ICC Premium:				$6
6.    Subtract  CRS  Discount:			N/A
7.    Subtotal:					$311
8.    Probation Surcharge:			N/A
9.    Add Federal Policy Fee:			$30
10.  Total Prepaid Amount:			$341




EXAMPLE  13

REGULAR PROGRAM, POST-FIRM, ELEVATION RATED, $500/$500 DEDUCTIBLE OPTION,
ZONE A (WITH ESTIMATED BFE)

Data Essential To Determine Appropriate Rates and Premium:

?	Regular  Program
?	Flood  Zone:  		A
?	Occupancy:			2-4 Family Dwelling
?	# of Floors:			2  Floors
?	Basement/Enclosure:	None
?	Deductible:			$500/$500
?	Deductible Factor:		1.000
?	Contents  Location:		Above Ground Level and Higher Floors
?	Date of Construction:	Post-FIRM
?	Elevation Difference:	+6 (with Estimated BFE)
?	Flood Proofed  Yes/No:	No
?	Building  Coverage:		$140,000
?	Contents  Coverage:	$70,000
?	ICC  Premium:		$6
?	CRS  Rating:		N/A
?	CRS  Discount:		N/A

Determined  Rates:
Building:   .32/.08		Contents:    .50/.12


BASIC LIMITS
ADDITIONAL LIMITS
(REGULAR PROGRAM 
ONLY)

DEDUCTIB
LE
BASIC 
AND
ADDITIO
NAL

COVER
AGE
AMOUNT 
OF 
INSURANC
E
RA
TE
ANNU
AL 
PREM
IUM
AMOUNT 
OF
INSURANC
E
RAT
E
ANNU
AL 
PREMI
UM
PREM. 
REDUCTIO
N/
INCREASE
TOTAL 
AMOUNT 
OF 
INSURA
NCE
TOTAL
PREMIUM
BUILDI
NG
50,000
.32
  160
90,000
.08
72
0
140,000
232
CONTE
NTS
20,000
.50
  100
50,000
.12
60
0
70,000
160
RATE TYPE:  (ONE BUILDING PER 
POLICY?BLANKET COVERAGE NOT PERMITTED)
PAYMENT
ANNUAL SUBTOTAL
392
? MANUAL			? SUBMIT FOR 
RATING
OPTION:
ICC PREMIUM
6
? ALTERNATIVE		? V-ZONE RISK 
RATING FORM
? CREDIT 
CARD
SUBTOTAL
398
? MORTGAGE PORTFOLIO PROTECTION 
PROGRAM
? OTHER:
CRS PREMIUM 
DISCOUNT               %
—
? PROVISIONAL RATING

SUBTOTAL
398
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY 
KNOWLEDGE.  I UNDERSTAND
PROBATION 
SURCHARGE
—
THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE 
OR IMPRISONMENT UNDER
FEDERAL POLICY FEE
30
APPLICABLE FEDERAL LAW.

TOTAL PREPAID 
AMOUNT
428
SIGNATURE OF INSURANCE AGENT/BROKER		
	DATE (MM/DD/YY) 



Premium  Calculation:

1.    Multiply Rate  x  $100 of Coverage: 	 	Building:  $232  /  Contents:  $160
2.    Apply Deductible Factor:			Building:  1.000 x $232 = $232  /  Contents:  1.000 x $160 = $160
3.    Premium Reduction:			Building:  $0  /  Contents = $0
4.    Subtotal:					$392
5.    Add ICC Premium:				$6
6.    Subtract  CRS  Discount:			N/A
7.    Subtotal:					$398
8.    Probation Surcharge:			N/A
9.    Add Federal Policy Fee:			$30
10.  Total Prepaid Amount:			$428



EXAMPLE  14

REGULAR PROGRAM, POST-FIRM, ELEVATION RATED, $500/$500 DEDUCTIBLE OPTION,
ZONE A (WITHOUT ESTIMATED BFE)

Data Essential To Determine Appropriate Rates and Premium:

?	Regular  Program
?	Flood  Zone:  		A
?	Occupancy:			Single-Family Dwelling
?	# of Floors:			2  Floors
?	Basement/Enclosure:	None
?	Deductible:			$500/$500
?	Deductible Factor:		1.000
?	Contents  Location:		Lowest Floor Above Ground Level and Higher Floors
?	Date of Construction:	Post-FIRM
?	Elevation Difference:	+5 (without Estimated BFE)
?	Flood Proofed  Yes/No:	No
?	Building  Coverage:		$135,000
?	Contents  Coverage:	$60,000
?	ICC  Premium:		$4
?	CRS  Rating:		N/A
?	CRS  Discount:		N/A

Determined  Rates:
Building:   .36/.10		Contents:    .62/.12


BASIC LIMITS
ADDITIONAL LIMITS
(REGULAR PROGRAM 
ONLY)

DEDUCTIB
LE
BASIC 
AND
ADDITIO
NAL

COVER
AGE
AMOUNT 
OF 
INSURANC
E
RA
TE
ANNU
AL 
PREM
IUM
AMOUNT 
OF
INSURANC
E
RAT
E
ANNU
AL 
PREMI
UM
PREM. 
REDUCTIO
N/
INCREASE
TOTAL 
AMOUNT 
OF 
INSURA
NCE
TOTAL
PREMIUM
BUILDI
NG
50,000
.36
  180
85,000
.10
85
0
135,000
265
CONTE
NTS
20,000
.62
  124
40,000
.12
48
0
60,000
172
RATE TYPE:  (ONE BUILDING PER 
POLICY?BLANKET COVERAGE NOT PERMITTED)
PAYMENT
ANNUAL SUBTOTAL
437
? MANUAL			? SUBMIT FOR 
RATING
OPTION:
ICC PREMIUM
6
? ALTERNATIVE		? V-ZONE RISK 
RATING FORM
? CREDIT 
CARD
SUBTOTAL
443
? MORTGAGE PORTFOLIO PROTECTION 
PROGRAM
? OTHER:
CRS PREMIUM 
DISCOUNT               %
—
? PROVISIONAL RATING

SUBTOTAL
443
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY 
KNOWLEDGE.  I UNDERSTAND
PROBATION 
SURCHARGE
—
THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE 
OR IMPRISONMENT UNDER
FEDERAL POLICY FEE
30
APPLICABLE FEDERAL LAW.

TOTAL PREPAID 
AMOUNT
473
SIGNATURE OF INSURANCE AGENT/BROKER		
	DATE (MM/DD/YY) 



Premium  Calculation:

1.    Multiply Rate  x  $100 of Coverage: 	 	Building:  $265  /  Contents:  $172
2.    Apply Deductible Factor:			Building:  1.000 x $265 = $265  /  Contents:  1.000 x $172 = $172
3.    Premium Reduction:			Building:  $0  /  Contents:  $0
4.    Subtotal:					$437
5.    Add ICC Premium:				$6
6.    Subtract  CRS  Discount:			N/A
7.    Subtotal:					$443
8.    Probation Surcharge:			N/A
9.    Add Federal Policy Fee:			$30
10.  Total Prepaid Amount:			$473





CONDOMINIUMS



Important Notice to Agents:

Boards of Directors of condominium associations typically are responsible under their by-laws for 
maintaining all forms of property insurance necessary to protect the common property of the association 
against all hazards to which that property is exposed for either the insurable value or replacement cost of 
those common elements. This responsibility would typically include providing adequate flood insurance 
protection for all common property located in Special Flood Hazard Areas. Such by-law requirements 
could make the individual members of the boards of directors of such associations personally liable for 
insurance errors or omissions, including those relating to flood insurance.




XXXVII.	METHODS OF INSURING 
CONDOMINIUMS

There are five methods of insuring condominiums 
under the National Flood Insurance Program 
(NFIP). Each method has its own eligibility 
requirements for condominium type.

R.	Residential Condominium: 
Association Coverage on Building and 
Contents

A condominium association is the corporate entity 
responsible for the management and operation of 
a condominium.  Membership is made up of the 
condominium unit owners.  A condominium 
association may purchase insurance coverage on 
a residential building and its contents under the 
Residential Condominium Building Association 
Policy (RCBAP).

S.	Residential Condominium:  
Unit Owner's Coverage on Building and 
Contents

A condominium unit in a townhouse, rowhouse, 
high-rise or low-rise building is considered to be a 
single family residence. An individual dwelling 
unit in a condominium building may be insured in 
any one of three ways:

?	An individual unit and its contents may be 
separately insured under the Dwelling Form, 
in the name of the unit owner, at the limits of 
insurance for a single family dwelling.

?	An individual unit may be separately insured 
under the Dwelling Form, if purchased by the 
association in the name of the "owner of 
record unit number (#) and (name of) 
Association as their interests may appear," 
up to the limits of insurance for a single family 
dwelling.



?	An individual unit owned by the association 
may be separately insured under the 
Dwelling Form, if purchased by the 
condominium association. The single family 
limits of insurance apply.

A policy on a condominium unit will be issued 
naming the unit owner and the association, as 
their interests may appear. Coverage under a unit 
owner's policy applies first to the individually 
owned building elements and improvements to 
the unit and then to the damage of the building's 
common elements that are the unit owner's 
responsibility.

In the event of a loss, the claim payment to an 
individual unit owner may not exceed the 
maximum allowable in the Program.

T.	Other Residential Condominium:
Condominium Association Policy,
Association Coverage on Building and
Contents

The Condominium Association Program (CAP), 
under the General Property Form, is available to 
insure condominium buildings not eligible for the 
RCBAP. A CAP is written on the General 
Property Form in the name of the association. 
For policies after October 1, 1994, the CAP is to 
be used for all condominiums in the Emergency 
Program communities, and those condominiums 
in Regular Program communities that do not 
meet the requirement that 75 percent of the floor 
area of the building be residential. In all other 
cases, the Residential Condominium Building 
Association Policy must be sold. The CAP will 
cover building common elements as well as 
building elements (additions and alterations) 
within all units of the building.


In the event of a loss, building coverage under 
either association policy applies first to building 
common elements damage and then to damage 
to individually owned building elements, and the 
claim payment may not exceed the maximum 
allowable under the NFIP.

U.	Nonresidential (Commercial) Condominium:
Building and Contents

Nonresidential (commercial) condominium 
buildings and their commonly owned contents 
may be insured in the name of the Association 
under the General Property Form. The 
"Nonresidential" limits apply.



V.	Nonresidential (Commercial) Condominium:
Unit Owner's Coverage (Contents)

The owner of a nonresidential condominium unit 
may purchase only contents coverage for that 
unit. Building coverage may not be purchased in 
the name of the unit owner.

In the event of a loss, up to 10 percent of the 
stated amount of contents coverage can be 
applied to losses to condominium interior walls, 
floors, and ceilings. The 10 percent is not an 
additional amount of insurance.




TABLE 1. CONDOMINIUM UNDERWRITING GUIDELINES

POLICY
TYPE
POLICY
FORM
INSURED
PROPERTY
COVERED
ELIGIBILITY
REQUIREMENT
S
REPLAC
EMENT
COVERA
GE
ICC
COVERA
GE 
LIMITS
ASSESSM
ENT
COVERAG
E
FDEDE
RAL
POLICY 
FEES
RESIDENT
IAL 
CONDOMI
NIUM 
BUILDING 
ASSOCIAT
ION 
POLICY 
(RCBAP)
RCBAP
CONDOMI
NIUM 
ASSOCIAT
ION AND 
INDIVIDUA
L UNIT 
OWNERS
CONDOMINIUM 
BUILDING
INDIVIDUALLY 
OWNED BUILDING 
UNITS WITHIN THE 
BUILDING
IMPROVEMENTS 
WITHIN UNIT
ADDITIONS AND 
EXTENSIONS 
ATTACHED OR 
CONNECTED BY A 
COMMON WALL
FIXTURES, 
MACHINERY AND 
EQUIPMENT WITHIN 
BUILDING
MATERIALS AND 
SUPPLIES USED IN 
REPAIRING OR 
ALTERING THE 
BUILDING
CONTENTS OWNED 
BY THE 
ASSOCIATION
COMMUNITY 
MUST BE IN 
REGULAR 
PROGRAM

RESIDENTIAL 
CONDO 
BUILDINGS 
WITH ONE OR 
MORE 
RESIDENTIAL 
UNITS

AT LEAST 75% 
OF FLOOR 
AREA MUST BE 
RESIDENTIAL

BUILDINGS 
INCLUDE
TOWNHOUSES, 
ROWHOUSES, 
LOW-RISE, 
HIGH-RISE, AND 
SINGLE FAMILY 
CONDOMINIUM 
BUILDINGS
YES
YES
REGULAR 
PROGRAM
:

BUILDING
REPLACE
MENT 
COST, OR 
THE 
TOTAL 
NUMBER 
OF UNITS 
X 
$250,000, 
WHICHEV
ER IS 
LESS

CONTENT
S
ACTUAL 
CASH 
VALUE OF 
COMMON
LY 
OWNED 
CONTENT
S TO A 
MAXIMUM 
OF 
$100,000 
PER
BUILDING.
NO
DETER
MINED 
BY 
NUMBE
R OF 
UNITS 
IN 
CONDO
MINIUM
CONDOMI
NIUM 
ASSOCIAT
ION 
POLICY 
(CAP)
GENER
AL 
PROPE
RTY 
FORM
CONDOMI
NIUM 
ASSOCIAT
ION AND 
INDIVIDUA
L UNIT 
OWNERS
SAME AS ABOVE
RESIDENTIAL 
CONDOMINIUM 
BUILDINGS 
THAT ARE 
UNINSURABLE 
UNDER A 
RCBAP

EMERGENCY 
PROGRAM IS 
ELIGIBLE
NO
YES
EMERGEN
CY PROG.:

BUILDING
ACTUAL 
CASH 
VALUE TO 
A 
MAXIMUM 
OF 
$100,000
CONTENT
S
ACTUAL 
CASH 
VALUE TO 
A 
MAXIMUM 
OF 
$10,000
NO
$30.00
RESIDENT
IAL UNIT 
OWNERS
DWELLI
NG
FORM
CONDOMI
NIUM 
ASSOCIAT
ION 
AND/OR 
INDIVIDUA
L UNIT 
OWNERS
INDIVIDUALLY 
OWNED BUILDING
ELEMENTS IN UNIT

COMMON BUILDING 
ELEMENTS

INDIVIDUALLY 
OWNED CONTENTS
ALL 
RESIDENTIAL 
CONDOMINIUM 
UNITS

EMERGENCY 
AND REGULAR 
PROGRAMS 
ARE ELIGIBLE
YES1 
NO
EMERGEN
CY 
PROGRAM 
(MAXIMUM 
LIMITS)
BUILDING 
$35,000
CONTENT
S $10,000

REGULAR 
PROGRAM 
(MAXIMUM 
LIMITS)
BUILDING 
$250,000 
CONTENT
S $100,000
YES2 
$30.00
NON 
RESIDENT
IAL 
BUILDING 
& 
CONTENT
S
GENER
AL 
PROPE
RTY 
FORM
CONDOMI
NIUM 
ASSOCIAT
ION AND
INDIVIDUA
L UNIT 
OWNERS
NON-RESIDENTIAL 
COMMON BUILDING 
ELEMENTS AND 
THEIR CONTENTS

CONTENTS OWNED 
BY ASSOCIATION

NON-RESIDENTIAL 
CONDO UNITS
BUILDING MUST 
BE NON-
RESIDENTIAL 
(COMMERCIAL)

EMERGENCY 
AND
REGULAR 
PROGRAMS 
ARE ELIGIBLE
NO
YES
EMERGEN
CY PROG.:

BUILDING
ACTUAL 
CASH 
VALUE TO 
A 
MAXIMUM 
OF 
$100,000
CONTENT
S
ACTUAL 
CASH 
VALUE TO 
A 
MAXIMUM 
OF 
$100,000

REGULAR 
PROGRAM
:

BUILDING
ACTUAL 
CASH 
VALUE TO 
A 
MAXIMUM 
OF 
$500,000
CONTENT
S
ACTUAL 
CASH 
VALUE TO 
A 
MAXIMUM 
OF 
$500,000
NO
$30.00
NON 
RESIDENT
IAL UNIT 
OWNERS
GENER
AL 
PROPE
RTY 
FORM
INDIVIDUA
L UNIT 
OWNERS
NON-RESIDENTIAL 
CONDO UNITS
(ONLY CONTENTS 
ARE AVAILABLE)
COMMERCIAL 
CONTENTS 
ONLY

EMERGENCY 
AND REGULAR 
PROGRAMS 
ARE ELIGIBLE
NO
NO
EMERGEN
CY PROG.:  
$100,000 
MAXIMUM

REGULAR 
PROGRAM
:
$500,000 
MAXIMUM
NO
$30.00

Footnote:	These are basic guidelines for condominium associations and unit owners.  Please refer to appropriate section of the Flood 
Insurance Manual for specific details.
	1Subject to replacement cost provisions in policy.
	2ICC coverage does not apply to the Emergency Program, individually owned condominium units insured under Dwelling or General 
Property Forms, Contents-only Policies, and Group Flood Insurance Policies.



TABLE 2. CONDOMINIUM RATING CHART

LOW-RISE RESIDENTIAL CONDOMINIUMS

SINGLE UNIT BUILDING OR TOWNHOUSE/ROWHOUSE TYPE?BUILDING WITH SEPARATE ENTRANCE FOR EACH UNIT
PURCHASER OF 
POLICY
Building Occupancy1
Building 
Indicator1
Contents 
Indicator2 
Limits of Coverage
Type of
Coverag
e
Rate Table3
Policy 
Form4
UNIT OWNER
SINGLE FAMILY
SINGLE 
UNIT
HOUSEHOL
D
BUILDING?$250,000
CONTENTS?$100,000
RC5
SINGLE 
FAMILY
DWELLIN
G
ASSOCIATION
(SINGLE UNIT 
ONLY)
SINGLE FAMILY
SINGLE 
UNIT
HOUSEHOL
D
BUILDING?$250,000
CONTENTS?$100,000
RC5
SINGLE 
FAMILY
DWELLIN
G
ASSOCIATION
(ENTIRE 
BUILDING)
DETERMINED BY 
THE
NUMBER OF UNITS , 
I.E.,
SINGLE FAMILY, 2-4 
FAMILY, OTHER 
RESIDENTIAL
LOW-RISE
HOUSEHOL
D
BUILDING?THE TOTAL
NUMBER OF UNITS X 
$250,000
CONTENTS?$100,000
RC
RCBAP LOW-
RISE
RCBAP

MULTI-UNIT BUILDING?2 TO 4 UNITS PER BUILDING?REGARDLESS OF NUMBER OF FLOORS (NON-TOWNHOUSE)
PURCHASER OF 
POLICY
Building Occupancy1
Building 
Indicator1
Contents 
Indicator2
Limits of Coverage
Type of
Coverag
e
Rate Table3
Policy 
Form4
UNIT OWNER
2-4
SINGLE 
UNIT
HOUSEHOL
D
BUILDING?$250,000
CONTENTS?$100,000
RC5
SINGLE 
FAMILY FOR 
BUILDING; 2-4 
FAMILY FOR 
CONTENTS
DWELLIN
G
ASSOCIATION
(SINGLE UNIT 
ONLY)
2-4
SINGLE 
UNIT
HOUSEHOL
D
BUILDING?$250,000
CONTENTS?$100,000
RC5
SINGLE 
FAMILY FOR 
BUILDING; 2-4 
FAMILY FOR 
CONTENTS
DWELLIN
G
ASSOCIATION
(ENTIRE 
BUILDING)
2-4
LOW-RISE
HOUSEHOL
D
BUILDING?THE TOTAL
NUMBER OF UNITS X 
$250,000
CONTENTS?$100,000
RC
RCBAP LOW-
RISE
RCBAP

MULTI-UNIT BUILDING?5 OR MORE UNITS PER BUILDING?LESS THAN THREE FLOORS
PURCHASER OF 
POLICY
Building Occupancy1
Building 
Indicator1
Contents 
Indicator2
Limits of Coverage
Type of
Coverag
e
Rate Table3
Policy 
Form4
UNIT OWNER
OTHER 
RESIDENTIAL
SINGLE 
UNIT
HOUSEHOL
D
BUILDING?$250,000
CONTENTS?$100,000
RC5
SINGLE 
FAMILY
FOR 
BUILDING;
OTHER 
RESIDENTIAL 
FOR 
CONTENTS
DWELLIN
G
ASSOCIATION
(SINGLE UNIT 
ONLY)
OTHER 
RESIDENTIAL
SINGLE 
UNIT
HOUSEHOL
D
BUILDING?$250,000
CONTENTS?$100,000
RC5
SINGLE 
FAMILY
FOR 
BUILDING;
OTHER 
RESIDENTIAL 
FOR 
CONTENTS
DWELLIN
G
ASSOCIATION
(ENTIRE 
BUILDING)
OTHER 
RESIDENTIAL
LOW-RISE
HOUSEHOL
D
BUILDING?THE TOTAL
NUMBER OF UNITS X 
$250,000
CONTENTS?$100,000
RC
RCBAP LOW-
RISE
RCBAP



TABLE 2. CONDOMINIUM RATING CHART (Cont'd)

HIGH-RISE RESIDENTIAL CONDOMINIUMS

MULTI-UNIT BUILDING?5 OR MORE UNITS PER BUILDING?THREE OR MORE FLOORS6
PURCHASER OF 
POLICY
Building Occupancy1
Building 
Indicator1
Contents 
Indicator2 
Limits of Coverage
Type of
Covera
ge
Rate Table3 
Policy 
Form4 
UNIT OWNER
OTHER RESIDENTIAL
SINGLE 
UNIT
HOUSEHOL
D
BUILDING?$250,000
CONTENTS?$100,000
RC5
SINGLE 
FAMILY FOR 
BUILDING; 
OTHER 
RESIDENTIAL 
FOR 
CONTENTS
DWELLIN
G
ASSOCIATION
(SINGLE UNIT 
ONLY)
OTHER RESIDENTIAL
SINGLE 
UNIT
HOUSEHOL
D
BUILDING?$250,000
CONTENTS?$100,000
RC5
SINGLE 
FAMILY FOR 
BUILDING; 
OTHER 
RESIDENTIAL 
FOR 
CONTENTS
DWELLIN
G
ASSOCIATION
(ENTIRE 
BUILDING)
OTHER RESIDENTIAL
HIGH-RISE
HOUSEHOL
D
BUILDING?THE TOTAL
NUMBER OF UNITS X 
$250,000
CONTENTS?$100,000
RC
RCBAP HIGH-
RISE
RCBAP

NON-RESIDENTIAL CONDOMINIUMS

PURCHASER OF 
POLICY
Building Occupancy1
Building 
Indicator1
Contents 
Indicator2
Limits of Coverage
Type of
COVER
AGE
Rate Table3
Policy 
Form4
UNIT OWNER
NON-RESIDENTIAL
SINGLE 
UNIT
(BUILDING 
COVERAGE 
NOT 
AVAILABLE
)
BUSINESS
EMERGENCY?$100,000
REGULAR?$500,000
CONTENTS ONLY
ACV
NON-
RESIDENTIAL
GENERAL 
PROPERT
Y
ASSOCIATION
NON-RESIDENTIAL
LOW-RISE
BUSINESS
BUILDING?
EMERGENCY?$100,000
REGULAR?$500,000

CONTENTS?
EMERGENCY?$100,000
REGULAR?$500,000
ACV
NON-
RESIDENTIAL
GENERAL 
PROPERT
Y


RESIDENTIAL CONDOMINIUM BUILDING ASSOCIATION POLICY



XXXVIII.	POLICY FORM

The policy form used for the residential 
condominium buildings owned by a condominium 
association is the Residential Condominium 
Building Association Policy (RCBAP).

XXXIX.	ELIGIBILITY REQUIREMENTS

The RCBAP is required for all buildings owned by 
a condominium association containing one or 
more residential units and in which at least 75 
percent of the total floor area within the building is 
residential without regard to the number of units 
or number of floors. This will include 
townhouse/rowhouse and detached single family 
condominium buildings. The RCBAP is available 
for all high-rise and low-rise residential 
condominium buildings in the Regular Program 
only.

Residential condominium buildings that are being 
used as a hotel or motel, or are being rented 
(either short- or long-term), must be insured on 
the RCBAP.

Only buildings having a condominium form of 
ownership are eligible for the RCBAP. Co-
operative ownership buildings are not eligible. 
Timeshare buildings having condominium form of 
ownership in jurisdictions where title is vested in 
individual unit owners are eligible provided all 
other criteria are met.

The NFIP has grouped condominium buildings 
into two different types, low- and high-rise, 
because of the difference in the exposures to the 
risk that typically exists. Low-rise buildings 
generally have a greater percentage of the value 
of the building at risk than high-rise buildings, 
thus requiring higher premiums for the first dollars 
of coverage. The availability of the optional 
deductibles for the low-rise buildings, however, 
allows the association to buy back some of the 
risk, thereby reducing the overall cost of the 
coverage.

For rating purposes:

?	High-rise buildings contain five or more units 
and at least three floors excluding enclosure, 
even if it is the lowest floor for rating. 

?	Low-rise buildings have less than five units 
regardless of the number of floors, or five or 
more units with less than three floors, 
including the basement.



?	Townhouse/rowhouse buildings are always 
considered as low-rise buildings for rating 
purposes, no matter how many units or floors 
they have.

See the Definitions section for a complete 
definition of high-rise and low-rise buildings.

The individual unit owners continue to have an 
option to purchase an SFIP Dwelling Form.

XL.	COVERAGE

A.	Property Covered

The entire building is covered under one policy, 
including both the common as well as individually 
owned building elements within the units, 
improvements within the units, and contents 
owned in common. Contents owned by individual 
unit owners should be insured under an individual 
unit owner's Dwelling Form.

B.	Coverage Limits

Building coverage purchased under the RCBAP 
will be on a Replacement Cost basis.

The maximum amount of building coverage that 
can be purchased on a high-rise or low-rise 
condominium is the Replacement Cost Value of 
the building or the total number of units in the 
condominium building times $250,000, whichever 
is less.

The maximum allowable contents coverage is the 
Actual Cash Value of the commonly owned 
contents up to a maximum of $100,000 per 
building.

Basic Limit Amount:

?	The building basic limit amount of insurance 
for a detached building housing a single 
family unit owned by the condominium 
association is $50,000.

?	For residential townhouse/rowhouse and low-
rise condominiums, the building basic limit 
amount of insurance is $50,000 multiplied by 
the number of units in the building.

?	For high-rise condominiums, the building 
basic amount of insurance is $150,000.

?	The contents basic limit amount of insurance 
is $20,000.


?	For condominium unit owners who have 
insured their personal property under the 
Dwelling Form or General Property Form, 
coverage extends to interior walls, floor, and 
ceiling (if not covered under the condominium 
association's insurance) up to 10 percent of 
the personal property limit of liability.  Use of 
this coverage is at the option of the insured 
and reduces the personal property limit of 
liability.

C.	Replacement Cost and Coinsurance

Replacement cost coverage is available for 
building coverage only on RCBAPs and Dwelling 
Forms meeting eligibility requirements. Co-
insurance penalties are applied for building 
coverage only. To the extent the insured has not 
purchased insurance in an amount equal to the 
lesser of 80 percent or more of the full 
replacement cost of the building at the time of 
loss or the maximum amount of insurance under 
the NFIP, the insured will not be reimbursed fully 
for a loss. Building coverage purchased under 
individual Dwelling Forms cannot be added to 
RCBAP coverage in order to avoid the 
coinsurance penalty. The amount of loss in this 
case will be determined by using the following 
formula:

Insurance Carried    X Amount of Loss = Limit 
of Recovery
Insurance Required

Where the penalty applies, building loss under 
the RCBAP will be adjusted based on the 
Replacement Cost Coverage with a coinsurance 
penalty. Building loss under the Dwelling Form 
will be adjusted on an Actual Cash Value (ACV) 
basis if the Replacement Cost provision is not 
met.  The cost of bringing the building into 
compliance with local codes (law and ordinance) 
is not included in the calculation of replacement 
cost.

D.	Assessment Coverage

The RCBAP does not provide assessment 
coverage.

Assessment coverage is available only under 
the Dwelling Form subject to the conditions and 
exclusions found in Section III. Property 
Covered, Coverage C, paragraph 3 – 
Condominium Loss Assessments. The Dwelling 
Form will respond, up to the building coverage 
limit, to assessments against unit owners for 
damages to common areas of any building 
owned by the condominium association, even if 
the building is not insured, provided that: (1) 
each of the unit owners comprising the 
membership of the association is assessed by 
reason of the same cause; and (2) the 
assessment arises out of a direct physical loss 
by or from flood to the condominium building at 
the time of the loss. Assessment coverage has a 
maximum combined total limit of $250,000 per 
unit. This combined total limit covers loss to the 
unit and any assessment by the association.

Assessment coverage cannot be used to meet 
the 80-percent coinsurance provision of the 
RCBAP, and does not apply to ICC coverage or 
to coverage for closed basin lakes.

V.	DEDUCTIBLES AND FEES

W.	Deductibles

The loss deductible shall apply separately to each 
building and personal property covered loss 
including any appurtenant structure loss.

The Standard Deductible is $1,000 for a 
residential condominium building, located in a 
Regular Program Community in Special Flood 
Hazard Areas, i.e., Zones A, AO, AH, A1-A30, 
AE, AR, AR dual zones (AR/AE, AR/AH, AR/AO, 
AR/A1-A30, AR/A), V, V1-V30, or VE, where the 
rates available for buildings built before the 
effective date of the initial Flood Insurance Rate 
Map (FIRM), Pre-FIRM rates, are used to 
compute the premium.

For all policies rated other than those described 
above, e.g., those rated as Post-FIRM and those 
rated in Zones A99, B, C, D, or X, the Standard 
Deductible is $500.

Optional deductible amounts are available under 
the RCBAP.

X.	Federal Policy Fee

The following are the Federal Policy Fees for the 
RCBAP:

	1	unit	-	$	30.00	per policy
	2-4	units	-	$	60.00	per policy
	5-10	units	-	$	150.00	per policy
	11-20	units	-	$	330.00	per policy
	21 or	more	-	$	630.00	per policy

VI.	TENTATIVE RATES AND SCHEDULED 
BUILDINGS

Tentative Rates cannot be applied to the 
RCBAP. The Scheduled Building Policy is not 
available for the RCBAP.

VII.	COMMISSIONS (DIRECT BUSINESS 
ONLY)

The commission, 15 percent, will be reduced to 
5 percent on only that portion of the premium 
that exceeds the figure resulting from multiplying 
the total number of units times $2,000.


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

Unit owner's Dwelling Policies may be cancelled 
mid-term for the reasons mentioned in the 
Cancellation/Nullification section of the manual. 
To cancel building coverage while retaining 
contents coverage on a unit owner's policy, 
submit a General Change Endorsement form. In 
the event of a cancellation:

?	The commission on a unit owner's policy will 
be retained, in full, by the producer,

?	The Federal Policy Fee and Probation 
Surcharge will be refunded on a pro rata 
basis, and

?	The premium refund will be calculated on a 
pro rata basis.

An existing Dwelling Policy or RCBAP may be 
endorsed to increase amounts of coverage in 
accordance with Endorsement rules. They may 
not be endorsed mid-term to reduce coverage.

IX.	APPLICATION FORM

The producer should complete the entire Flood 
Insurance Application according to the directions 
in the Application section of this manual and 
attach two new photographs of the building, one 
of which clearly shows the location of the lowest 
floor used for rating the risk.

Y.	Type of Building

For an RCBAP, the "Building" section of the 
Flood Insurance Application must indicate the 
total number of units in the building and whether 
the building is a high rise or low rise. 

High-rise (vertical) condominium buildings are 
defined as containing at least five units, and 
having at least three floors.  Note that an 
enclosure below an elevated floor building, even 
if it is the lowest floor for rating purposes, cannot 
be counted as a floor to classify the building as a 
high-rise condominium building.

Low-rise condominium buildings are defined as 
having less than five units and/or less than three 
floors.  In addition, low-rise also includes all 
townhouses/rowhouses regardless of the number 
of floors or units, and all detached single family 
buildings. 


For a Dwelling Form used to insure a 
condominium unit, or for a Condominium 
Association Policy, see the Application section of 
this manual.

Z.	Replacement Cost Value

For an RCBAP, use normal company practice to 
estimate the Replacement Cost Value (RCV) and 
enter the value in the "Building" section of the 
Application.  Include the cost of the building 
foundation when determining the RCV.  Attach 
the appropriate valuation to the Application.

Acceptable documentation of a building's RCV is 
a recent property inspection report that states the 
building's value on an RCV basis.  The cost of the 
building's foundation must be included in 
determining the RCV. The cost of bringing the 
building into compliance with local codes (law and 
ordinance) is not to be included in the calculation 
of the building's replacement cost. To maintain 
reasonable accuracy of the RCV for the building, 
the agent must update this information at least 
every 3 years.

AA.	Coverage

Ensure that the "Coverage and Rating" section of 
the Application accurately reflects the desired 
amount of building and contents coverage.

If only building insurance is to be purchased, 
inform the applicant of the availability of contents 
insurance for contents that are commonly 
owned. It is recommended that the applicant 
initial the contents coverage section if no 
contents insurance is requested. (This will make 
the applicant aware that the policy will not 
provide payment for contents losses.)

7.	Building

Enter the amount of insurance for building, 
Basic and Additional Limits. Enter full Basic 
Limits before entering any Additional Limits. 
The building Basic Limit amount of 
insurance for high-rise condominium 
buildings is up to a maximum of $150,000.

The building Basic Limit amount of 
insurance for low-rise condominium 
buildings is $50,000 multiplied by the 
number of units in the building. The total 
amount of coverage desired on the entire 
building must not exceed $250,000 (Regular 
Program limit) times the total number of 
units (residential and nonresidential) in the 
building.


2.	Contents

Since the Program type must be Regular, 
enter the amount of insurance for contents, 
Basic and Additional Limits. Enter full Basic 
Limits before any Additional Limits. 
Contents coverage is only for those 
contents items that are commonly owned. 
For the Basic Limits amount of insurance, 
up to a maximum of $20,000 may be filled 
in. For the Additional Limits, up to a total of 
$80,000 may be filled in. The total amount 
of insurance available for contents 
coverage cannot exceed $100,000.

BB.	Rates and Fees

8.	To determine rates, see the RCBAP Rate 
Tables on the following pages. Enter the 
rate for building and for contents and 
compute the annual premium. If an optional 
deductible has been selected for building 
and/or contents, see page CONDO 22.



9.	Enter the total premium for building and 
contents, adjusted for any premium change 
because of an optional deductible being 
selected. The total premium will be 
calculated as if the building were one unit.

10.	Add the total premium for building and 
contents and enter the Annual Subtotal.

11.	Add the ICC premium.

12.	Calculate the CRS discount, if applicable.   

13.	Subtract the CRS discount, if applicable. 

14.	Add the $50.00 Probation Surcharge, if 
applicable.

15.	Add the Federal Policy Fee to determine 
the Total Prepaid Amount.



TABLE 3A.  RCBAP HIGH-RISE CONDOMINIUM RATES
ANNUAL RATES PER $100 OF COVERAGE
(Basic/Additional)

BUILDING




BUILDING
TYPE
REGULAR PROGRAM PRE-FIRM1
REGULAR PROGRAM
POST-FIRM





A, A1-A30, AE, AO, 
AH, D

V, VE

A99, B, C, X

A99, B, C, X

D
No 
Basement/Enclosur
e
.85/.14
1.08/.3
4
.99/.04
.99/.04
.96/.19
With Basement
.90/.23
1.15/.8
1
1.27/.06
1.27/.06
SUBMIT 
FOR
With Enclosure
.90/.14
1.15/.3
4
.99/.04
.99/.04
RATE

B.	CONTENTS





CONTENTS
LOCATION
REGULAR PROGRAM PRE-FIRM1
REGULAR PROGRAM
POST-FIRM





A, A1-A30, AE, AO, 
AH, D

V, VE

A99, B, C, X

A99, B, C, 
X

D
Basement and 
above
.96/.50
1.23/1.
33
1.26/.46
1.26/.46
SUBMIT 
FOR
Enclosure and 
above
.96/.60
1.23/1.
58
1.26/.53
1.26/.53
RATE
Lowest floor only-
    above ground 
level

.96/.60

1.23/1.
58

.99/.48

.99/.48

.96/.57
Lowest floor
   above ground 
level
   and higher floors


.96/.41


1.23/1.
39


.99/.25


.99/.25


.96/.39
Above ground 
level
   more than 1 full 
floor

.35/.12

.47/.29

.35/.12

.35/.12

.35/.12

BUILDING—A1-A30, AE · POST-FIRM

ELEVATION
3 OR MORE FLOORS
NO BASEMENT/ENCLOSURE
3 OR MORE FLOORS
WITH 
BASEMENT/ENCLOSURE
	+4
  .33/.03
  .33/.03
	+3
  .34/.03
  .34/.03
	+2
  .35/.03
  .35/.03
	+1
  .62/.04
  .44/.04
	0
1.30/.04
1.16/.04
	-12
4.10/.14
2.31/.11
	-2
S U B M I T  F O R  R A T E
CONTENTS—A1-A30, AE · POST-FIRM






ELEVATION

LOWEST FLOOR
ONLY- ABOVE 
GROUND
LEVEL (NO 
BSMNT./ENCL.)
LOWEST FLOOR
ABOVE GROUND 
LEVEL
AND HIGHER
(NO BSMNT./ENCL.)

BASEMENT
/
ENCLOSUR
E
AND 
ABOVE

ABOVE GROUND
LEVEL - MORE 
THAN 
ONE FULL FLOOR
	+4
 .38/.12
 .38/.12
.38/.12
.35/.12
	+3
 .38/.12
 .38/.12
.38/.12
.35/.12
	+2
 .38/.12
 .38/.12
.38/.12
.35/.12
	+1
 .59/.12
 .41/.12
.38/.12
.35/.12
	0
1.10/.12
 .72/.12
.40/.12
.35/.12
	-12
3.01/.75
1.78/.58
.48/.12
.35/.12
	-2
S U B M I T  F O R  R A T E
1Start of construction or substantial improvement on or before 12/31/74, or before the effective date of the 
initial Flood Insurance Rate Map (FIRM).  If FIRM Zone is unknown, use rates for Zones A, AE, AO, AH, 
D.
2Use Submit-for-Rate guidelines if either the enclosure below the lowest elevated floor of an elevated 
building or the crawl space (under-floor space) that has its interior floor within 2 feet below grade on all 
sides, which is used for rating, is 1 or more feet below BFE.


TABLE 3B.  RCBAP HIGH-RISE CONDOMINIUM RATES
ANNUAL RATES PER $100 OF COVERAGE
(Basic/Additional)



AO, AH POST-FIRM NO BASEMENT/ENCLOSURE BUILDINGS1


BUILDING
CONTENTS
WITH CERTIFICATION OF COMPLIANCE2
.34/.04
.34/.11
WITHOUT CERTIFICATION OF COMPLIANCE
	OR WITHOUT ELEVATION CERTIFICATE3

.94/.06

.97/.20



POST-FIRM
UNNUMBERED A-ZONE - WITHOUT BASEMENT/ENCLOSURE1
ELEVATION DIFFERENCE TO
NEAREST FOOT
BUILDING
CONTENTS4
TYPE OF ELEVATION CERTIFICATE
+5	 OR MORE
  .70/.05
 .62./.12

NO ESTIMATED
BASE FLOOD ELEVATION5
+2 TO +4
1.11/.05
 .87/.17

+1
1.91/.11
1.54/.63

0 	OR BELOW
***
***

+2 	OR MORE
  .61/.04
  .50/.12

WITH ESTIMATED
BASE FLOOD ELEVATION6
0 TO +1
  .97/.05
  .79/.15

-1
3.90/.14
2.29/.67

-2 	OR BELOW
***
***

NO ELEVATION CERTIFICATE
5.06/1.06
2.87/1.00
NO ELEVATION CERTIFICATE

1Zones A, AO, or AH buildings with basement/enclosure--Submit for Rating.
2"With Certification of Compliance" rates are to be used when the Elevation Certificate shows that the 
lowest floor elevation is equal to or greater than the community's elevation requirement.
3"Without Certification of Compliance" rates are to be used only on Post-FIRM structures without an 
Elevation Certificate or when the Elevation Certificate shows that the lowest floor elevation of a Post-
FIRM structure is less than the community's elevation requirement.
4For elevation rated policies, when contents are located one floor or more above lowest floor used for 
rating, use .35/.12.
5NO ESTIMATED BASE FLOOD ELEVATION:  Elevation difference is the measured distance 
between the lowest floor of the building and the highest adjacent grade next to the building.
6WITH ESTIMATED BASE FLOOD ELEVATION: Elevation difference is the measured distance 
between the lowest floor of the building and the estimated BFE provided by the community or 
registered professional engineer, surveyor, or architect.
***SUBMIT FOR RATING.



TABLE 3C.  RCBAP HIGH-RISE CONDOMINIUM RATES
ANNUAL RATES PER $100 OF COVERAGE
(Basic/Additional)

AR AND AR DUAL ZONES
BUILDING
PRE-FIRM1,2  AND POST-FIRM3 NOT ELEVATION-RATED



BUILDING 
TYPE

RATES
No 
Basement/Enclosur
e
  .99/.04
With Basement
1.27/.06
With Enclosure
  .99/.04
CONTENTS




					PRE-FIRM1,2 AND POST-FIRM3 NOT ELEVATION-RATED
CONTENTS
LOCATION

RATES
Basement and 
above
1.26/.46
Enclosure and 
above
1.26/.53
Lowest floor only-
    above ground 
level

.99/.48
Lowest floor
   above ground 
level
   and higher floors


.99/.25
Above ground level
   more than 1 full 
floor

.35/.12

C.	BUILDING
PRE-FIRM AND POST-FIRM ELEVATION-RATED

ELEVATION
3 OR MORE FLOORS
NO BASEMENT/ENCLOSURE
3 OR MORE FLOORS
WITH 
BASEMENT/ENCLOSURE
	+4
 .33/.03
  .33/.03
	+3
 .34/.03
  .34/.03
	+2
 .35/.03
  .35/.03
	+1
 .62/.04
  .44/.04
	0
 .99/.04
1.16/.04
               
	-14
See Footnote
CONTENTS
PRE-FIRM AND POST-FIRM ELEVATION-RATED






ELEVATION

LOWEST FLOOR
ONLY- ABOVE 
GROUND
LEVEL (NO 
BSMNT./ENCL.)
LOWEST FLOOR
ABOVE GROUND 
LEVEL
AND HIGHER
(NO BSMNT./ENCL.)

BASEMENT/
ENCLOSUR
E
AND ABOVE

ABOVE GROUND
LEVEL - MORE 
THAN 
ONE FULL 
FLOOR
	+4
.38/.12
.38/.12
.38/.12
.35/.12
	+3
.38/.12
.38/.12
.38/.12
.35/.12
	+2
.38/.12
.38/.12
.38/.12
.35/.12
	+1
.59/.12
.41/.12
.38/.12
.35/.12
	0
1.10/.12
.72/.12
.40/.12
.35/.12
              -14
See Footnote

                                 S U B M I T  FO R  R A T E 		

1Start of construction or substantial improvement on or before 12/31/74, or before the effective date of the 
initial Flood Insurance Rate Map (FIRM).
2Base deductible is $1,000.
3Base deductible is $500.
4Use Pre-FIRM AR and AR Dual Zones Rate Table above.


TABLE 3D.  RCBAP HIGH-RISE CONDOMINIUM RATES
ANNUAL RATES PER $100 OF COVERAGE
(Basic/Additional)



REGULAR PROGRAM -- 1975-19811 -- POST-FIRM CONSTRUCTION2


FIRM ZONES V1-V30, VE -- BUILDING RATES

BUILDING TYPE
ELEVATION OF LOWEST
FLOOR ABOVE OR BELOW 
BFE
3 OR MORE FLOORS
NO BASEMENT/ENCLOSURE
3 OR MORE FLOORS
WITH BASEMENT/ENCLOSURE
	03
2.23/.11
2.13/.11
	-14
6.54/.41
3.42/.31
	-2
***
***


1975-1981 POST-FIRM CONSTRUCTION
FIRM ZONES V1-V30, VE--CONTENTS RATES

CONTENTS LOCATION
ELEVATION
OF LOWEST
FLOOR
ABOVE OR
BELOW BFE
LOWEST FLOOR
ONLY?ABOVE 
GROUND LEVEL
(NO BASEMENT/
ENCLOSURE)

LOWEST FLOOR 
ABOVE GROUND LEVEL
AND HIGHER FLOORS 
(NO 
BASEMENT/ENCLOSUR
E)


BASEMEN
T/
ENCLOSU
RE
AND 
ABOVE

ABOVE GROUND
LEVEL?MORE
THAN ONE
FULL FLOOR
	03
2.94/.41
1.92/.45
1.08/.50
.55/.25
	-14
6.47/3.14
3.82/2.43
1.27/.50
.55/.25
	-2
***
***
***
***

1Policies for 1975 through 1981 Post-FIRM and Pre-FIRM buildings in Zones VE and V1-V30 will be 
allowed to use the Post-'81 V Zone rate table if the rates are more favorable to the insured.  See 
instructions on page RATE 23 for V Zone Optional Rating.

2For 1981 Post-FIRM construction rating, refer to pages CONDO 19-20.

3These rates are to be used if the lowest floor of the building is at or above the BFE.

4Use Submit-for-Rate guidelines if the enclosure below the lowest floor of an elevated building, which is 
 used for rating, is 1 or more feet below BFE.

***SUBMIT FOR RATING.


REGULAR PROGRAM 1975-1981 POST-FIRM CONSTRUCTION1
D.	UNNUMBERED V ZONE--ELEVATED BUILDINGS

SUBMIT FOR RATING



TABLE 4A.  RCBAP LOW-RISE CONDOMINIUM RATES
(Including Townhouse/Rowhouse)
ANNUAL RATES PER $100 OF COVERAGE
(Basic/Additional)


REGULAR PROGRAM -- PRE-FIRM CONSTRUCTION RATES 1

F I R M  Z O N E S:
A, A1-A30, AE, AO, AH, 
D
V, VE
A99, B, C, X

BUILDIN
G
CONTENT
S
BUILDIN
G
CONTENT
S
BUILDIN
G
CONTENT
S
BUILDIN
G
TYPE
NO 
BASEMENT/ENCLOSUR
E
.70/.32
.96/.60
.93/.85
1.23/1.58
.57/.14
.99/.25

WITH BASEMENT
.75/.40
.96/.50
1.00/1.48
1.23/1.48
.66/.20
1.12/.38

WITH ENCLOSURE
.75/.46
.96/.52
1.00/1.61
1.23/1.61
.66/.23
1.12/.44


REGULAR PROGRAM -- POST-FIRM CONSTRUCTION RATES

F I R M  Z O N E S:
A99, B, C, X
D

BUILDING
CONTENTS
BUILDING
CONTENTS
BUILDIN
G
TYPE
NO 
BASEMENT/ENCLOSURE
.57/.14
.99/.25
.77/.32
.96/.57

WITH BASEMENT
.66/.20
1.12/.38
***
***

WITH ENCLOSURE
.66/.23
1.12/.44


F I R M  Z O N E S:
AO, AH (NO BASEMENT/ENCLOSURE BUILDINGS ONLY)2

BUILDING
CONTENTS
WITH CERTIFICATION OF 
COMPLIANCE3
.19/.06
.34/.11
WITHOUT CERTIFICATION OF 
COMPLIANCE
OR WITHOUT ELEVATION 
CERTIFICATE4
.71/.17
.97/.20

1Start of construction or substantial improvement on or before 12/31/74, or before the effective date of the 
initial Flood Insurance Rate Map (FIRM).  If FIRM Zone is unknown, use rates for Zones A, AE, AO, AH, 
D.
2Zones AO, AH BUILDINGS WITH BASEMENT:  Submit for Rating.
3"With Certification of Compliance" rates are to be used when the Elevation Certificate shows that the 
lowest floor elevation is equal to or greater than the community's elevation requirement.
4"Without Certification of Compliance" rates are to be used only on Post-FIRM structures without an 
Elevation Certificate or when the Elevation Certificate shows that the lowest floor elevation of a Post-
FIRM structure is less than the community's elevation requirement.

***SUBMIT FOR RATING.




TABLE 4B.  RCBAP LOW-RISE CONDOMINIUM RATES
(Including Townhouse/Rowhouse)
ANNUAL RATES PER $100 OF COVERAGE
(Basic/Additional)


REGULAR PROGRAM -- POST-FIRM CONSTRUCTION

FIRM ZONES A1-A30, AE -- BUILDING RATES

BUILDING TYPE
ELEVATION OF 
LOWEST 
FLOOR ABOVE 
OR BELOW 
BFE1
ONE FLOOR
NO 
BASEMENT/ENCLOSUR
E
MORE THAN ONE 
FLOOR
NO 
BASEMENT/ENCLOSUR
E
MORE THAN ONE FLOOR
WITH 
BASEMENT/ENCLOSURE
	+4
.18/.08
.18/.08
.18/.08
	+3
.18/.08
.18/.08
.18/.08
	+2
.24/.08
.18/.08
.18/.08
	+1
.43/.08
.25/.08
.19/.08
	0
.81/.08
.53/.08
.43/.08
		-12
2.06/.76
1.74/.70
1.03/.47
	-2
***
***
***

FIRM ZONES A1-A30, AE -- CONTENTS RATES

CONTENTS LOCATION
ELEVATION OF 
LOWEST 
FLOOR ABOVE 
OR BELOW 
BFE1
LOWEST FLOOR 
ONLY -
ABOVE GROUND 
LEVEL
(NO 
BASEMENT/ENCLOS
URE)
LOWEST FLOOR
ABOVE GROUND LEVEL 
AND
HIGHER FLOORS
(NO 
BASEMENT/ENCLOSURE)


BASEMENT/ENCLOS
URE
AND ABOVE

ABOVE GROUND 
LEVEL-
MORE THAN ONE 
FULL FLOOR
	+4
  .38/.12
.38/.12
.38/.12
.35/.12
	+3
  .38/.12
.38/.12
.38/.12
.35/.12
	+2
  .38/.12
.38/.12
.38/.12
.35/.12
	+1
  .59/.12
.41/.12
.38/.12
.35/.12
	0
1.10/.12
.72/.12
.40/.12
.35/.12
	-12
3.01/.75
1.78/.58
.48/.12
.35/.12
	-2
***
***
***
.35/.12


1If LF is -1 because of attached garage, submit application for special consideration; rate may be lower.
2Use Submit-for-Rate guidelines if the enclosure below the lowest floor of an elevated building or if the 
crawl space (under-floor space) that has its interior floor within 2 feet below grade on all sides, which is 
used for rating, is 1 or more feet below BFE.
***SUBMIT FOR RATING.



TABLE 4C.  RCBAP LOW-RISE CONDOMINIUM RATES
(Including Townhouse/Rowhouse)
ANNUAL RATES PER $100 OF COVERAGE
(Basic/Additional)


UNNUMBERED ZONE A - WITHOUT BASEMENT/ENCLOSURE1
ELEVATION DIFFERENCE TO 
NEAREST FOOT
BUILDING
CONTENTS2
TYPE OF ELEVATION CERTIFICATE
+5 OR MORE
.30/.10
.62/.12

NO ESTIMATED
BASE FLOOD ELEVATION3
+2 TO +4
.73/.12
.86/.17

 +1
1.40/.56
1.54/.63

0 OR BELOW
***
***

+2 OR MORE
.24/.08
.50/.12

WITH ESTIMATED
BASE FLOOD ELEVATION4
0 TO +1
.53/.10
.79/.15

-1
1.91/.67
1.93/.74

-2 OR BELOW
***
***

NO ELEVATION CERTIFICATE
2.42/1.15
2.79/1.00
NO ELEVATION CERTIFICATE

1Zone A building with basement (including crawl space below grade on all sides) or enclosure--Submit for 
Rating.
2For elevation rated policies, when contents are located one floor or more above lowest floor used for 
rating, use .35/.12.
3NO ESTIMATED BASE FLOOD ELEVATION:  Elevation difference is the measured distance between 
the lowest floor of the building and the highest adjacent grade next to the building.
4WITH ESTIMATED BASE FLOOD ELEVATION: Elevation difference is the measured distance between 
the lowest floor of the building and the estimated BFE provided by the community or registered 
professional engineer, surveyor, or architect.
***SUBMIT FOR RATING.



TABLE 4D.  RCBAP LOW-RISE CONDOMINIUM RATES
(Including Townhouse/Rowhouse)
ANNUAL RATES PER $100 OF COVERAGE
(Basic/Additional)

E.	
F.	AR AND AR DUAL ZONES


REGULAR PROGRAM – PRE-FIRM1,2 AND
POST-FIRM3 NOT ELEVATION-RATED RATES

BUILDING TYPE
BUILDIN
G
CONTENT
S
NO BASEMENT
.57/.14
.99/.25
WITH BASEMENT
.66/.20
1.12/.38
WITH ENCLOSURE
.66/.23
1.12/.44

REGULAR PROGRAM –– PRE-FIRM AND POST-FIRM ELEVATION-RATED RATES 

BUILDING RATES

BUILDING TYPE
ELEVATION OF 
LOWEST FLOOR 
ABOVE OR BELOW 
BFE
ONE FLOOR
NO BASEMENT/ENCLOSURE
MORE THAN ONE FLOOR
NO BASEMENT/ENCLOSURE
MORE THAN ONE FLOOR
WITH BASEMENT/ENCLOSURE
	+4
.18/.08
.18/.08
.18/.08
	+3
.18/.08
.18/.08
.18/.08
	+2
.24/.08
.19/.08
.18/.08
	+1
.43/.08
.25/.08
.19/.08
	0
.57/.14
.53/.08
.43/.08
	-14
See Footnote

CONTENTS RATES

CONTENTS LOCATION
ELEVATION OF 
LOWEST FLOOR 
ABOVE OR BELOW 
BFE
LOWEST FLOOR 
ONLY -
ABOVE GROUND 
LEVEL
(NO 
BASEMENT/ENCLOS
URE)
LOWEST FLOOR
ABOVE GROUND LEVEL 
AND
HIGHER FLOORS
(NO 
BASEMENT/ENCLOSURE)

BASEMENT/ENCLOS
URE
AND ABOVE
ABOVE GROUND 
LEVEL-
MORE THAN ONE 
FULL FLOOR
	+4
.38/.12
.38/.12
.38/.12
.35/.12
	+3
.38/.12
.38/.12
.38/.12
.35/.12
	+2
.38/.12
.38/.12
.38/.12
.35/.12
	+1
.59/.12
.41/.12
.38/.12
.35/.12
	0
1.10/.12
.72/.12
.40/.12
.35/.12
	-14
See Footnote

1Start of construction or substantial improvement on or before 12/31/74, or before the effective date of the 
initial Flood Insurance Rate Map (FIRM).
2Base deductible is $1,000.
3Base deductible is $500.
4Use Pre-FIRM AR and AR Dual Zones Rate Table above.


TABLE 4E.  RCBAP LOW-RISE CONDOMINIUM RATES
(Including Townhouse/Rowhouse)
ANNUAL RATES PER $100 OF COVERAGE
(Basic/Additional)


REGULAR PROGRAM -- 1975-19811 -- POST-FIRM CONSTRUCTION2
FIRM ZONES V1-V30, VE -- BUILDING RATES

BUILDING TYPE
ELEVATION OF 
LOWEST FLOOR 
ABOVE OR BELOW 
BFE
ONE FLOOR
NO 
BASEMENT/ENCLOSURE
MORE THAN ONE FLOOR
NO BASEMENT/ENCLOSURE
MORE THAN ONE FLOOR
WITH 
BASEMENT/ENCLOSURE
	03
1.83/.34
1.46/.34
1.26/.34
	-14
3.99/2.08
3.65/2.08
2.56/1.88
	-2
***
***
***



REGULAR PROGRAM -- 1975-19811 -- POST-FIRM CONSTRUCTION2
FIRM ZONES V1-V30, VE -- CONTENTS RATES

CONTENTS LOCATION
ELEVATION OF 
LOWEST FLOOR 
ABOVE OR BELOW 
BFE
LOWEST FLOOR ONLY - 
ABOVE GROUND LEVEL
(NO 
BASEMENT/ENCLOSUR
E)
LOWEST FLOOR ABOVE 
GROUND LEVEL AND 
HIGHER FLOORS
(NO 
BASEMENT/ENCLOSURE)
BASEMENT/ENCLOS
URE AND ABOVE
ABOVE GROUND 
LEVEL - MORE 
THAN ONE FULL 
FLOOR
	03
2.94/.41
1.92/.45
1.08/.50
.55/.25
	-14
6.47/3.14
3.82/2.43
1.27/.50
.55/.25
	-2
***
***
***
.55/.25



REGULAR PROGRAM -- 1975-1981 -- POST-FIRM CONSTRUCTION2
UNNUMBERED V ZONE -- ELEVATED BUILDINGS 

G.	SUBMIT FOR RATING


1Policies for 1975 through 1981 Post-FIRM and Pre-FIRM buildings in Zones VE and V1-V30 will be allowed 
to use the Post- '81 V Zone rate table if the rates are more favorable to the insured.  See instructions on 
page RATE 23 for V Zone Optional Rating.
2For 1981 Post-FIRM construction rating, refer to pages CONDO 19 and 20.
3These rates are to be used if the lowest floor of the building is at or above the BFE.
4Use Submit-for-Rate guidelines if the enclosure below the lowest floor of an elevated building, which is used 
for rating, is 1 or more feet below BFE.
***SUBMIT FOR RATING.




TABLE 5A.  RCBAP HIGH-RISE AND LOW-RISE CONDOMINIUM RATES
(Including Townhouse/Rowhouse)
ANNUAL RATES PER $100 OF COVERAGE


1981 POST-FIRM V1-V30, VE ZONE RATES1

Elevated Buildings Free of Obstruction2 Below the
Beam Supporting the Building's Lowest Floor

Elevation of the bottom of 
the floor beam of the 
lowest floor above or 
below Base Flood 
Elevation adjusted for 
wave height at building 
site3
Building
Rate
Contents
Rate
+	4	or more
	.49
	.40
+	3
	.59
	.40
+	2
	.74
	.53
+	1
	1.07
	.85
	0
	1.38
	1.27
-	1
	1.82
	1.76
-	2
	2.40
	2.40
-	3
	3.18
	3.25
-	4	or lower
	***
	***
Rates above are only for elevated buildings. Use Specific Rating Guidelines
for non-elevated buildings.

1Policies for 1975 through 1981 Post-FIRM and Pre-FIRM buildings in Zones VE and V1-V30 will be 
allowed to use the Post-'81 V Zone rate table if the rates are more favorable to the insured. See 
instructions on page RATE 23 for V Zone Optional Rating.
2Free of Obstruction?The space below the lowest elevated floor must be completely free of obstructions 
or any attachment to the building, or may have:
(1)	Insect screening, provided that no additional supports are required for the screening; or
(2)	 Wooden or plastic lattice with at least 40 percent of its area open and made of material no 
thicker than ½ inch; or
(3)	 Wooden or plastic slats or shutters with at least 40 percent of their area open and made of 
material no thicker than 1 inch.
Any of these systems must be designed and installed to collapse under stress without 
jeopardizing the structural support of the building, so that the impact on the building of 
abnormally high tides or wind-driven water is minimized. Any machinery or equipment below the 
lowest elevated floor must be at or above the BFE.
3Wave height adjustment is not required in those cases where the Flood Insurance Rate Map indicates that 
the map includes wave height.
***SUBMIT FOR RATING.  Include a copy of the variance, a recent photograph and blueprints (including a 
site grading plan if ocean front) with the Application, and a post-construction (or pre-construction if 
builder's risk) Elevation Certificate. Do not submit any premium with the application. No applicant for 
insurance on Post-FIRM construction or substantial improvement for which asterisks are shown (there is 
no risk premium rate) in the Flood Insurance Manual can obtain flood coverage until FEMA has 
approved the Application and established the risk premium for the building.


TABLE 5B.  RCBAP HIGH-RISE AND LOW-RISE CONDOMINIUM RATES
(Including Townhouse/Rowhouse)
ANNUAL RATES PER $100 OF COVERAGE

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

Elevated Buildings With Obstruction3 Below the
Beam Supporting the Building's Lowest Floor

Elevation of the bottom of 
the floor beam of the 
lowest floor above or 
below Base Flood 
Elevation adjusted for 
wave height at building 
site4
Building
Rate
Contents
Rate
+4 or more
	.90
	.50
+	3
	.99
	.50
+	2
	1.13
	.62
+	1
	1.40
	.97
	0
	1.71
	1.36
-	15
	2.17
	1.84
-	25
	2.78
	2.49
-	35
	3.56
	3.34
-	4	or lower5
	***
	***
1Policies for 1975 through 1981 Post-FIRM and Pre-FIRM buildings in Zones VE and V1-V30 will be 
allowed to use the Post-'81 V Zone rate table if the rates are more favorable to the insured. See 
instructions on page RATE 23 for V Zone Optional Rating.
2Rates provided are only for elevated buildings, except those elevated on solid perimeter foundation 
walls. For buildings elevated on solid perimeter foundation walls, and for non-elevated buildings, use the 
Specific Rating Guidelines document.
3With Obstruction—The space below has an area of less than 300 square feet with breakaway solid walls 
or contains equipment below the BFE. If the space below has an area of 300 square feet or more, or if 
any portion of the space below the elevated floor is enclosed with non-breakaway walls, submit for 
rating.
4Wave height adjustment is not required in those cases where the Flood Insurance Rate Map indicates that 
the map includes wave height.
5For buildings with obstruction, use Submit-for-Rate guidelines if the enclosure below the lowest elevated 
floor of an elevated building, which is used for rating, is 1 or more feet below BFE.
***SUBMIT FOR RATING. Include a copy of the variance, a recent photograph and blueprints (including a 
site grading plan if ocean front) with the Application, and a post-construction (or pre-construction if 
builder's risk) Elevation Certificate. Do not submit any premium with the application. No applicant for 
insurance on Post-FIRM construction or substantial improvement for which asterisks are shown (there is 
no risk premium rate) in the Flood Insurance Manual can obtain flood coverage until FEMA has 
approved the Application and established the risk premium for the building.

TABLE 5C.  RCBAP HIGH-RISE AND LOW-RISE BUILDING RATES
(Including Townhouse/Rowhouse)
ANNUAL RATES PER $100 OF COVERAGE

1981 POST-FIRM V ZONE RATES 

H.	SUBMIT FOR RATING


TABLE 6.  RCBAP HIGH-RISE AND LOW-RISE CONDOMINIUM RATES
(Including Townhouse/Rowhouse)
Increased Cost of compliance (ICC) Coverage


All Except Submit for Rate Policies1

Premiums for $30,000 ICC Coverage

FIRM2
ZONE
PREMIUM
Post-FIRM
A, AE, A1-A30, AO, AH
	$	6

AR, AR DUAL ZONES
	$	6

Post-'81 V1-V30, VE
	$	20

'75-'81 V1-V30, VE
	$	35

A99, B, C, X, D
	$	6
Pre-FIRM
A, AE, A1-A30, AO, AH
	$	75

AR, AR DUAL ZONES
	$	6

V, VE, V1-V30
	$	75

A99, B, C, X, D
	$	6

	1Use the ICC premium table contained in the Specific Rating Guidelines. 
	2Elevation-rated Pre-FIRM buildings should use Post-FIRM ICC premiums.




Table 7.  RCBAP Deductible Factors – All Zones


Category One – Low-Rise Condominium Building-and-Contents Policies


DEDUCTIBLE 
OPTIONS
DEDUCTIBLE FACTOR

Single Family
2-4 Units
5 or More Units
Building/Contents
$500 Ded.
$1,000 
Ded.
$500 Ded.
$1,000 
Ded.
$500 Ded.
$1,000 
Ded.
   $500/   $500
1.000
1.125
1.000
1.025
1.000
1.015
$1,000/$1,000
  .950
1.000
  .965
1.000
  .980
1.000
$2,000/$1,000
  .900
  .950
  .930
  .965
  .960
  .980
$3,000/$1,000
  .850
  .900
  .900
  .935
  .940
  .960
$4,000/$2,000
  .800
  .825
  .850
  .885
  .910
  .930
$5,000/$2,000
  .760
  .775
  .810
  .845
  .890
  .920
$10,000/$10,000
  .625
  .635
  .650
  .660
  .825
  .840
$25,000/$25,000
  .525
  .535
  .550
  .560
  .725
  .740


Category Two – Low-Rise Condominium Building-Only Policies


DEDUCTIBLE 
OPTIONS
DEDUCTIBLE FACTOR

Single Family
2-4 Units
5 or More Units

$500 Ded.
$1,000 
Ded.
$500 Ded.
$1,000 
Ded.
$500 Ded.
$1,000 Ded.
$500
1.000
1.125
1.000
1.025
1.000
1.015
$1,000
  .950
1.000
  .965
1.000
  .980
1.000
$2,000
  .885
  .925
  .925
  .950
  .950
  .970
$3,000
  .825
  .865
  .875
  .910
  .920
  .940
$4,000
  .775
  .825
  .825
  .870
  .900
  .920
$5,000
  .725
  .765
  .800
  .835
  .880
  .900
$10,000
  .620
  .630
  .640
  .650
  .815
  .830
$25,000
  .520
  .530
  .540
  .550
  .715
  .730


Category Three – High-Rise Condominium Policies,
Building-and-Contents and Building-Only

The deductible factors are multipliers,
and total deductible amounts are subject to a maximum dollar discount per annual premium.

BUILDING/CONTENTS

BUILDING-ONLY

DEDUCTIBLE 
FACTOR



DEDUCTIBLE
FACTOR

DEDUCTIBLE
OPTIONS
$500
Deductibl
e
$1,000
Deductibl
e
MAXIMUM
DISCOUN
T

DEDUCTIB
LE
OPTIONS
$500
Deductibl
e
$1,000
Deductible
MAXIMUM
DISCOUN
T
$500/      $500
1.000
1.050
  N/A

$500
1.000
1.100
N/A
$1,000/$1,000
  .980
1.000
$    56

$1,000
  .980
1.000
$   55
$2,000/$2,000
  .960
  .980
$  111

$2,000
  .950
  .970
$  110
$3,000/$3,000
  .940
  .960
$  166

$3,000
  .920
  .940
$  165
$4,000/$4,000
  .910
  .930
$  221

$4,000
  .900
  .920
$  220
$5,000/$5,000
  .890
  .920
$  276

$5,000
  .880
  .900
$  275
$10,000/$10,00
0
  .825
  .840
$   501

$10,000
  .815
  .830
$   500
$25,000/$25,00
0
  .725
  .740
$1,001

$25,000
  .715
  .730
$1,000




X.	CONDOMINIUM RATING EXAMPLES


TABLE OF CONTENTS


EXAMPLE	PAGE

Example	1	Pre-FIRM, Low-rise, with Enclosure, Coinsurance Penalty, Zone A	CONDO 24



Example	2	Pre-FIRM, Low-rise, No Basement/Enclosure, Zone AE	CONDO 25



Example	3	Post-FIRM, Low-rise, Coinsurance Penalty, Zone AE	CONDO 26



Example	4	Post-FIRM, Low-rise, Standard Deductible, Zone AE	CONDO 27



Example	5	Pre-FIRM, High-rise, Standard Deductible, Coinsurance Penalty, Zone A	CONDO 28



Example	6	Pre-FIRM, High-rise, Basement, Maximum Discount, Zone AE	CONDO 29



Example	7	Post-FIRM, High-rise, Standard Deductible, Zone AE	CONDO 30



Example	8	Pre-FIRM, High-rise, Enclosure, Maximum Discount, Coinsurance
		Penalty, Zone AE	CONDO 31


















CONDOMINIUM  RATING  EXAMPLE  1

PRE-FIRM, LOW-RISE, WITH ENCLOSURE, COINSURANCE PENALTY, ZONE A

	Regular  Program
?	Building  Coverage:	$140,000
?	Contents  Coverage:	$100,000
?	Condominium  Type:	Low-rise
?	Flood  Zone:	A
?	Occupancy:	Other  Residential
?	# of Units:	6
?	Date  of  Construction:	Pre-FIRM
?	Building  Type:	3  Floors Including Enclosure
?	Deductible:	$2,000/$1,000
?	Deductible Factor:	.980
?	Replacement  Cost:	$600,000
?	Elevation Difference:	N/A
?	80%  Coinsurance  Amount:	$480,000
?	ICC  Premium:	$75 ($30,000 Coverage)
?	CRS  Rating:	N/A
?	CRS  Discount:	N/A

Determined  Rates:
Building:   .75/.46	Contents:    .96/.52

COVER
AGE
BASIC LIMITS
ADDITIONAL LIMITS
(REGULAR PROGRAM 
ONLY)
DEDUCTIB
LE
BASIC 
AND
ADDITIO
NAL
TOTAL
PREMI
UM

AMOUNT 
OF 
INSURANC
E
RA
TE
ANNU
AL 
PREM
IUM
AMOUNT OF
INSURANCE
RA
TE
ANNU
AL
PREM
IUM
PREM. 
REDUCTIO
N/
INCREASE
TOTAL 
AMOUNT 
OF 
INSURA
NCE

BUILDIN
G
	140,000
.75
	1,050
	0
.46
      0
	-21
	140,000
	1,029
CONTE
NTS
	20,000
.96
	192
	80,000
.52
416
	-12
	100,000
	596
RATE TYPE:  (ONE BUILDING PER 
POLICY?BLANKET COVERAGE NOT PERMITTED)
PAYMENT
ANNUAL SUBTOTAL
	1,625
? MANUAL		? SUBMIT FOR RATING
OPTION:
ICC PREMIUM
	75
? ALTERNATIVE		? V-ZONE RISK 
RATING FORM
? CREDIT 
CARD
SUBTOTAL
	1,700
? MORTGAGE PORTFOLIO PROTECTION 
PROGRAM
? OTHER:
CRS PREMIUM 
DISCOUNT                       
%
?
? PROVISIONAL RATING

SUBTOTAL
 1,700
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY 
KNOWLEDGE.  I UNDERSTAND THAT
PROBATION 
SURCHARGE
?
ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR 
IMPRISONMENT UNDER APPLICABLE  FEDERAL LAW.
FEDERAL POLICY FEE 
	150
SIGNATURE OF INSURANCE AGENT/BROKER
	DATE(MM/DD/YY)
TOTAL PREPAID 
AMOUNT
	1,850

Premium  Calculation:
1.	Multiply Rate  x  $100 of Coverage:	Building:  $1,050  /  Contents:  $608
2.	Apply Deductible Factor:	Building:  .980 x $1,050 = $1,029  /  Contents:  .980 x $608 = 
$596
3.	Premium Reduction:	Building:  $1,050 - $1,029 = $21  /  Contents:  $608 - $596 = $12
4.	Subtotal:	$1,625
5.	Add ICC Premium:	$75
6.	Subtract  CRS  Discount:	N/A
7.	Subtotal:	$1,700
8.	Probation Surcharge:	N/A
9.	Add Federal Policy Fee:	$150
10.	Total Prepaid Amount:	$1,850

CLAIMS  ADJUSTMENT  WITH  COINSURANCE  PROVISION
Claim Payment is determined as follows:

(Insurance  Carried)	140,000	x	(Amount  of  Loss)  100,000  =  (Limit  of  Recovery)  29,167 - Less 
Deductible
(Insurance  Required)	480,000

(Coinsurance Penalty applies because minimum insurance amount of $480,000 was not met.)


CONDOMINIUM  RATING  EXAMPLE  2

PRE-FIRM, LOW-RISE, NO BASEMENT/ENCLOSURE, ZONE AE

	Regular  Program
?	Building  Coverage:	$480,000
?	Contents  Coverage:	$50, 000
?	Condominium  Type:	Low-rise
?	Flood  Zone:	AE
?	Occupancy:	Other  Residential
?	# of Units:	6
?	Date  of  Construction:	Pre-FIRM
?	Building  Type:	1  Floor, No Basement
?	Deductible:	$500/$500
?	Deductible Factor:	1.015
?	Replacement  Cost:	$600,000
?	Elevation Difference:	N/A
?	80%  Coinsurance  Amount:	$480,000
?	ICC Premium:	$75 ($30,000 Coverage)
?	CRS  Rating:	N/A
?	CRS  Discount:	N/A

Determined  Rates:
Building:   .70/.32	Contents:    .96/.60

COVER
AGE
BASIC LIMITS
ADDITIONAL LIMITS
(REGULAR PROGRAM ONLY)
DEDUCTI
BLE
BASIC 
AND
ADDITIO
NAL
TOTA
L
PREM
IUM

AMOUNT 
OF 
INSURANC
E
RA
TE
ANNU
AL 
PREM
IUM
AMOUNT OF
INSURANCE
RAT
E
ANNU
AL
PREM
IUM
PREM. 
REDUCTI
ON/
INCREAS
E
TOTAL 
AMOUNT 
OF 
INSURAN
CE

BUILDI
NG
	300,000
.70
	2,100
180,000
.32
576
	+40
480,000
	2,716
CONTE
NTS
	20,000
.96
	192
30,000
.60
180
	+6
  50,000
	378
RATE TYPE:  (ONE BUILDING PER 
POLICY?BLANKET COVERAGE NOT PERMITTED)
PAYMENT
ANNUAL SUBTOTAL
	3,094
? MANUAL		? SUBMIT FOR RATING
OPTION:
ICC PREMIUM
	75
? ALTERNATIVE		? V-ZONE RISK 
RATING FORM
? CREDIT 
CARD
SUBTOTAL
	3,169
? MORTGAGE PORTFOLIO PROTECTION 
PROGRAM
? OTHER:
CRS PREMIUM 
DISCOUNT                       
%
?
? PROVISIONAL RATING

SUBTOTAL
	3,169
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY 
KNOWLEDGE.  I UNDERSTAND THAT
PROBATION 
SURCHARGE
?
ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR 
IMPRISONMENT UNDER APPLICABLE FEDERAL LAW.
FEDERAL POLICY FEE
	150
SIGNATURE OF INSURANCE AGENT/BROKER	DATE 
(MM/DD/YY)
TOTAL PREPAID 
AMOUNT
	3,319

Premium  Calculation:
1.	Multiply Rate  x  $100 of Coverage:	Building:  $2,676  /  Contents:  $372
2.	Apply Deductible Factor:	Building:  1.015 x $2,676 = $2,716  /  Contents:  1.015 x $372 = 
$378
3.	Premium Increase:	Building:  $2,716 - $2,676 = $40  /  Contents:  $378 - $372 = $6
4.	Subtotal:	$3,094
5.	Add ICC Premium:	$75
6.	Subtract  CRS  Discount:	N/A
7.	Subtotal:	$3,169
8.	Probation Surcharge:	N/A
9.	Add Federal Policy Fee:	$150
10.	Total Prepaid Amount:	$3,319

CLAIMS  ADJUSTMENT  WITH  COINSURANCE  PROVISION

Coinsurance Penalty does not apply since minimum insurance amount of 80% was met.



CONDOMINIUM  RATING  EXAMPLE  3

POST-FIRM, LOW-RISE, COINSURANCE PENALTY, ZONE AE

	Regular  Program
?	Building  Coverage:	$750,000
?	Contents  Coverage:	$100,000
?	Condominium  Type:	Low-rise
?	Flood  Zone:	AE
?	Occupancy:	Other  Residential
?	# of Units:	14
?	Date  of  Construction:	Post-FIRM
?	Building  Type:	2  Floors, No Basement/Enclosure
?	Deductible:	$500/$500
?	Deductible Factor:	1.000
?	Replacement  Cost:	$1,120,000
?	Elevation Difference:	+1
?	80%  Coinsurance  Amount:	$896,000
?	ICC  Premium:	$6 ($30,000 Coverage)
?	CRS  Rating:	N/A
?	CRS  Discount:	N/A

Determined  Rates:
Building:   .25/.08	Contents:    .41/.12

COVER
AGE
BASIC LIMITS
ADDITIONAL LIMITS
(REGULAR PROGRAM 
ONLY)
DEDUCTIB
LE
BASIC 
AND
ADDITIO
NAL
TOTAL
PREMI
UM

AMOUNT 
OF 
INSURANC
E
RA
TE
ANNU
AL 
PREM
IUM
AMOUNT OF
INSURANCE
RA
TE
ANNU
AL
PREM
IUM
PREM. 
REDUCTIO
N/
INCREASE
TOTAL 
AMOUNT 
OF 
INSURAN
CE

BUILDI
NG
	700,000
.25
	1,750
50,000
.08
	40
0
750,000
	1,790
CONTE
NTS
	20,000
.41
	82
80,000
.12
	96
0
100,000
	178
RATE TYPE:  (ONE BUILDING PER 
POLICY?BLANKET COVERAGE NOT PERMITTED)
PAYMENT
ANNUAL SUBTOTAL
	1,968
? MANUAL		? SUBMIT FOR RATING
OPTION:
ICC PREMIUM
	6
? ALTERNATIVE		? V-ZONE RISK 
RATING FORM
? CREDIT 
CARD
SUBTOTAL
	1,974
? MORTGAGE PORTFOLIO PROTECTION 
PROGRAM
? OTHER:
CRS PREMIUM 
DISCOUNT                    %
?
? PROVISIONAL RATING

SUBTOTAL
	1,974
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY 
KNOWLEDGE.  I UNDERSTAND THAT
PROBATION 
SURCHARGE
?
ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR 
IMPRISONMENT UNDER APPLICABLE FEDERAL LAW.
FEDERAL POLICY FEE
	330
SIGNATURE OF INSURANCE AGENT/BROKER	DATE 
(MM/DD/YY)
TOTAL PREPAID 
AMOUNT
	2,304

Premium  Calculation:
1.	Multiply Rate  x  $100 of Coverage:	Building:  $1,790 / Contents:  $178
2.	Apply  Deductible Factor:	Building:  1.000 x $1,790 = $1,790 / Contents:  1.000 x $178 = 
$178 
3.	Premium Reduction/Increase:	Building:  $0  /  Contents:  $0
4.	Subtotal:	$1,968
5.	Add ICC Premium:	$6
6.	Subtract  CRS  Discount:	N/A
7.	Subtotal:	$1,974
8.	Probation Surcharge:	N/A
9.	Add Federal Policy Fee:	$330
10.	Total Prepaid Amount:	$2,304

CLAIMS  ADJUSTMENT  WITH  COINSURANCE  PROVISION
Claim Payment is determined as follows:

(Insurance  Carried)	750,000	x  	(Amount  of  Loss)  300,000  =  (Limit  of  Recovery)  251,116 - Less 
Deductible
(Insurance  Required)	896,000

(Coinsurance Penalty applies because minimum insurance amount of $896,000 was not met.)


CONDOMINIUM  RATING  EXAMPLE  4

POST-FIRM, LOW-RISE, STANDARD DEDUCTIBLE, ZONE AE

	Regular  Program
?	Building  Coverage:	$600,000
?	Contents  Coverage:	$15,000
?	Condominium  Type:	Low-rise
?	Flood  Zone:	AE
?	Occupancy:	Other  Residential
?	# of Units:	6
?	Date  of  Construction:	Post-FIRM
?	Building  Type:	3  Floors, Townhouse,  No Basement/Enclosure
?	Deductible:	$500/$500
?	Deductible Factor:	1.000
?	Replacement  Cost:	$600,000
?	Elevation Difference:	+2
?	80%  Coinsurance  Amount:	$480,000
?	ICC Premium:	$6 ($30,000 Coverage)
?	CRS  Rating:	N/A
?	CRS  Discount:	N/A

Determined  Rates:
Building:   .18/.08	Contents:    .38/.12

COVER
AGE
BASIC LIMITS
ADDITIONAL LIMITS
(REGULAR PROGRAM ONLY)
DEDUCTIB
LE
BASIC 
AND
ADDITIO
NAL
TOTAL
PREMI
UM

AMOUNT 
OF 
INSURANC
E
RA
TE
ANNU
AL 
PREM
IUM
AMOUNT OF
INSURANCE
RA
TE
ANNU
AL
PREM
IUM
PREM. 
REDUCTI
ON/
INCREASE
TOTAL 
AMOUNT 
OF 
INSURA
NCE

BUILDI
NG
	300,000
.18
	540
	300,000
.08
240
0
	600,000
	780
CONTE
NTS
	15,000
.38
	57
	0
.12

0
	15,000
	57
RATE TYPE:  (ONE BUILDING PER 
POLICY?BLANKET COVERAGE NOT PERMITTED)
PAYMENT
ANNUAL SUBTOTAL
	837
? MANUAL		? SUBMIT FOR RATING
OPTION:
ICC PREMIUM
	6
? ALTERNATIVE		? V-ZONE RISK 
RATING FORM
? CREDIT 
CARD
SUBTOTAL
	843
? MORTGAGE PORTFOLIO PROTECTION 
PROGRAM
? OTHER:
CRS PREMIUM 
DISCOUNT                       
%
?
? PROVISIONAL RATING

SUBTOTAL
	843
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY 
KNOWLEDGE.  I UNDERSTAND THAT
PROBATION 
SURCHARGE
?
ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR 
IMPRISONMENT UNDER APPLICABLE FEDERAL LAW.
FEDERAL POLICY FEE
	150
SIGNATURE OF INSURANCE AGENT/BROKER	DATE 
(MM/DD/YY)
TOTAL PREPAID 
AMOUNT
	993

Premium  Calculation:
1.	Multiply Rate  x  $100 of Coverage:	Building:  $780  /  Contents:  $57
2.	Apply Deductible Factor:	Building:  1.000 x $780 = $780  /  Contents:  1.000 x $57 = $57
3.	Premium Reduction/Increase:	Building:  $0  /  Contents:  $0
4.	Subtotal:	$837
5.	Add ICC Premium:	$6
6.	Subtract CRS Discount:	N/A
7.	Subtotal:	$843
8.	Probation Surcharge:	N/A
9.	Add Federal Policy Fee:	$150
10.	Total Prepaid Amount:	$993

CLAIMS  ADJUSTMENT  WITH  COINSURANCE  PROVISION

Coinsurance Penalty does not apply since the minimum insurance amount of 80% was met.



CONDOMINIUM  RATING  EXAMPLE  5

PRE-FIRM, HIGH-RISE, STANDARD DEDUCTIBLE, COINSURANCE PENALTY, ZONE A

	Regular  Program
?	Building  Coverage:	$1,110,000
?	Contents  Coverage:	$100,000
?	Condominium  Type:	High-rise
?	Flood  Zone:	A
?	Occupancy:	Other  Residential
?	# of Units:	50
?	Date  of  Construction:	Pre-FIRM
?	Building  Type:	3  or More Floors, No Basement/Enclosure
?	Deductible:	$1,000/$1,000
?	Deductible Factor:	1.000
?	Replacement  Cost:	$1,500,000
?	Elevation Difference:	N/A
?	80%  Coinsurance  Amount:	$1,200,000
?	ICC  Premium:	$75 ($30,000 Coverage)
?	CRS  Rating:	5
?	CRS  Discount:	25%

Determined  Rates:
Building:   .85/.14	Contents:    .96/.41

COVER
AGE
BASIC LIMITS
ADDITIONAL LIMITS
(REGULAR PROGRAM ONLY)
DEDUC
TIBLE
BASIC 
AND
ADDITIO
NAL
TOTAL
PREMIU
M

AMOUNT 
OF 
INSURANC
E
RAT
E
ANNU
AL 
PREM
IUM
AMOUNT OF
INSURANCE
RAT
E
ANN
UAL
PRE
MIUM
PREM. 
REDUC
TION/
INCREA
SE
TOTAL 
AMOUNT 
OF 
INSURAN
CE

BUILDI
NG
	150,000
.85
1,275
960,000
.14
	1,344
0
1,110,00
0
	2,619
CONTE
NTS
	20,000
.96
	192
80,000
.41
	328
0
100,000
	520
RATE TYPE:  (ONE BUILDING PER 
POLICY?BLANKET COVERAGE NOT PERMITTED)
PAYMENT
ANNUAL SUBTOTAL
	3,139
? MANUAL		? SUBMIT FOR RATING
OPTION:
ICC PREMIUM
	75
? ALTERNATIVE		? V-ZONE RISK 
RATING FORM
? CREDIT 
CARD
SUBTOTAL
	3,214
? MORTGAGE PORTFOLIO PROTECTION 
PROGRAM
? OTHER:
CRS PREMIUM 
DISCOUNT             25%
	-804
? PROVISIONAL RATING

SUBTOTAL
	2,410
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY 
KNOWLEDGE.  I UNDERSTAND THAT
PROBATION 
SURCHARGE
?
ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR 
IMPRISONMENT UNDER APPLICABLE   FEDERAL LAW.
FEDERAL POLICY FEE
	630
SIGNATURE OF INSURANCE AGENT/BROKER	DATE 
(MM/DD/YY)
TOTAL PREPAID 
AMOUNT
	3,040

Premium  Calculation:
1.	Multiply Rate  x  $100 of Coverage:	Building:  $2,619  /  Contents:  $520
2.	Apply Deductible Factor:	Building:  1.000 x $2,619 = $2,619  /  Contents:  1.000 x $520 = 
$520
3.	Premium Reduction/Increase:	Building:  $0  /  Contents:  $0
4.	Subtotal:	$3,139
5.	Add ICC Premium:	$75
6.	Subtract  CRS  Discount:	- $804 (25%)
7.	Subtotal:	$2,410
8.	Probation Surcharge:	N/A
9.	Add Federal Policy Fee:	$630
10.	Total Prepaid Amount:	$3,040

CLAIMS  ADJUSTMENT  WITH  COINSURANCE  PROVISION
Claim Payment is determined as follows:

(Insurance  Carried)	1,110,000	x	(Amount  of  Loss)  200,000  =  (Limit  of  Recovery)  185,000 - Less 
Deductible
(Insurance  Required)	1,200,000

(Coinsurance Penalty applies because minimum insurance amount of $1,200,000 was not met.)


CONDOMINIUM  RATING  EXAMPLE  6

PRE-FIRM, HIGH-RISE, BASEMENT, MAXIMUM DISCOUNT, ZONE AE

	Regular  Program
?	Building  Coverage:	$3,000,000
?	Contents  Coverage:	$100,000
?	Condominium  Type:	High-rise
?	Flood  Zone:	AE
?	Occupancy:	Other  Residential
?	# of Units:	50
?	Date  of  Construction:	Pre-FIRM
?	Building  Type:	3  or More Floors, including Basement
?	Deductible:	$5,000/$5,000 
?	Deductible Factor:	.920 (Maximum Total Discount of $276 applies)
?	Replacement  Cost:	$3,750,000
?	Elevation Difference:	N/A
?	80%  Coinsurance  Amount:	$3,000,000
?	ICC  Premium:	$75 ($30,000 Coverage)
?	CRS  Rating:	8
?	CRS  Discount:	10%

Determined  Rates:
Building:   .90/.23	Contents:    .96/.50

COVER
AGE
BASIC LIMITS
ADDITIONAL LIMITS
(REGULAR PROGRAM 
ONLY)
DEDUCTIB
LE
BASIC 
AND
ADDITIO
NAL
TOTAL
PREMI
UM

AMOUNT 
OF 
INSURANC
E
RA
TE
ANNU
AL 
PREM
IUM
AMOUNT OF
INSURANCE
RA
TE
ANNU
AL
PREM
IUM
PREM. 
REDUCTIO
N/
INCREASE
TOTAL 
AMOUNT 
OF 
INSURAN
CE

BUILDI
NG
	150,000
.90
1,350
	2,850,000
.23
	6,555
	-276
3,000,000
	7,629
CONTE
NTS
	20,000
.96
  192
	80,000
.50
   400
	0
100,000
	592
RATE TYPE:  (ONE BUILDING PER 
POLICY?BLANKET COVERAGE NOT PERMITTED)
PAYMENT
ANNUAL SUBTOTAL
	8,221
? MANUAL		? SUBMIT FOR RATING
OPTION:
ICC PREMIUM
	75
? ALTERNATIVE		? V-ZONE RISK 
RATING FORM
? CREDIT 
CARD
SUBTOTAL
	8,296
? MORTGAGE PORTFOLIO PROTECTION 
PROGRAM
? OTHER:
CRS PREMIUM 
DISCOUNT                  10%
	-830
? PROVISIONAL RATING

SUBTOTAL
	7,466
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY 
KNOWLEDGE.  I UNDERSTAND THAT
PROBATION 
SURCHARGE
?
ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR 
IMPRISONMENT UNDER APPLICABLE FEDERAL LAW.
FEDERAL POLICY FEE
	630
SIGNATURE OF INSURANCE AGENT/BROKER	DATE 
(MM/DD/YY)
TOTAL PREPAID 
AMOUNT
	8,096

Premium  Calculation:
1.	Multiply Rate  x  $100 of Coverage:	Building:  $7,905  /  Contents:  $592
2.	Apply Deductible Factor:	Building:  .920 x $7,905 = $7,273  /  Contents:  .920 x $592 = 
$545
3.	Premium Reduction:	Building:  $276 (maximum discount since $7,705 - $7,273 = 
$632
			  exceeds the maximum)  / Contents:  $0
4.	Subtotal:	$8,221
5.	Add ICC Premium:	$75
6.	Subtract  CRS  Discount:	-$830 (10%)
7.	Subtotal:	$7,466
8.	Probation Surcharge:	N/A
9.	Add Federal Policy Fee:	$630
10.	Total Prepaid Amount:	$8,096

CLAIMS  ADJUSTMENT  WITH  COINSURANCE  PROVISION

Coinsurance Penalty does not apply since the minimum insurance amount of 80% was met.

NOTE:	The NFIP accepts premium only in whole dollars. If the discount for an optional deductible does 
not result in
	a whole dollar premium, round up if 50¢ or more; round down if less.  Always submit gross 
premium.


CONDOMINIUM  RATING  EXAMPLE  7

POST-FIRM, HIGH-RISE, STANDARD DEDUCTIBLE, ZONE AE

	Regular  Program
?	Building  Coverage:	$12,000,000
?	Contents  Coverage:	$15,000
?	Condominium  Type:	High-rise
?	Flood  Zone:	AE
?	Occupancy:	Other Residential
?	# of Units:	100
?	Date  of  Construction:	Post-FIRM
?	Building  Type:	3  or More Floors, No Basement/Enclosure
?	Deductible:	$500/$500
?	Deductible Factor:	1.000
?	Replacement  Cost:	$15,000,000
?	Elevation Difference:	0
?	80%  Coinsurance  Amount:	$12,000,000
?	ICC Premium:	$6 ($30,000 Coverage)
?	CRS  Rating:	9
?	CRS  Discount:	5%

Determined  Rates:
Building:    1.30/.04	Contents:    .72/.12

COVER
AGE
BASIC LIMITS
ADDITIONAL LIMITS
(REGULAR PROGRAM ONLY)
DEDUC
TIBLE
BASIC 
AND
ADDITIO
NAL
TOTAL
PREMIU
M

AMOUNT 
OF 
INSURANC
E
RA
TE
ANNU
AL 
PREM
IUM
AMOUNT OF
INSURANCE
RAT
E
ANNU
AL
PREM
IUM
PREM. 
REDUC
TION/
INCREA
SE
TOTAL 
AMOUNT 
OF 
INSURAN
CE

BUILDI
NG
	150,000
1.3
0
	 1,950
	11,850,000
.04
4,740
0
12,000,00
0
	6,690
CONTE
NTS
	15,000
.72
    108
	0
.12

0
15,000
	108
RATE TYPE:  (ONE BUILDING PER 
POLICY?BLANKET COVERAGE NOT PERMITTED)
PAYMENT
ANNUAL SUBTOTAL
	6,798
? MANUAL		? SUBMIT FOR RATING
OPTION:
ICC PREMIUM
	6
? ALTERNATIVE		? V-ZONE RISK 
RATING FORM
? CREDIT 
CARD
SUBTOTAL
	6,804
? MORTGAGE PORTFOLIO PROTECTION 
PROGRAM
? OTHER:
CRS PREMIUM 
DISCOUNT             5%
	-340
? PROVISIONAL RATING

SUBTOTAL
	6,464
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY 
KNOWLEDGE.  I UNDERSTAND THAT
PROBATION 
SURCHARGE
?
ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR 
IMPRISONMENT UNDER APPLICABLE   FEDERAL LAW.
FEDERAL POLICY FEE
	630
SIGNATURE OF INSURANCE AGENT/BROKER	DATE 
(MM/DD/YY)
TOTAL PREPAID 
AMOUNT
	7,094

Premium  Calculation:
1.	Multiply Rate  x  $100 of Coverage:	Building:  $6,690  /  Contents:  $108
2.	Apply Deductible Factor:	Building:  1.000 x $6,690 = $6,690  /  Contents: 1.000 x $108 = 
$108
3.	Premium Increase:	Building:  $195  /  Contents:  $0
4.	Subtotal:	$6,798
5.	Add ICC Premium:	$6
6.	Subtract  CRS  Discount:	- $340 (5%)
7.	Subtotal:	$6,464
8.	Probation Surcharge:	N/A
9.	Add Federal Policy Fee:	$630
10.	Total Prepaid Amount:	$7,094

CLAIMS  ADJUSTMENT  WITH  COINSURANCE  PROVISION

Coinsurance Penalty does not apply since the minimum insurance amount of 80% was met.

NOTE:	The NFIP accepts premium only in whole dollars. If the discount for an optional deductible does 
not result in
	a whole dollar premium, round up if 50¢ or more; round down if less.  Always submit gross 
premium.



CONDOMINIUM RATING  EXAMPLE  8

PRE-FIRM, HIGH-RISE, ENCLOSURE, MAXIMUM DISCOUNT, COINSURANCE PENALTY, ZONE AE

	Regular  Program
?	Building  Coverage:	$4,000,000
?	Contents  Coverage:	$100,000
?	Condominium  Type:	High-rise
?	Flood  Zone:	AE
?	Occupancy:	Other Residential
?	# of Units:	200
?	Date  of  Construction:	Pre-FIRM
?	Building  Type:	3  or More Floors, Including Enclosure
?	Deductible:	$2,000/$2,000
?	Deductible Factor:	.980 (Maximum Total Discount of $111 applies)
?	Replacement  Cost:	$18,000,000
?	Elevation Difference:	N/A
?	80%  Coinsurance  Amount:	$14,400,000
?	ICC  Premium:	$75 ($30,000 Coverage)
?	CRS  Rating:	N/A
?	CRS  Discount:	N/A

Determined  Rates:
Building:   .90/.14	Contents:    .96/.60

COVER
AGE
BASIC LIMITS
ADDITIONAL LIMITS
(REGULAR PROGRAM ONLY)
DEDUCTI
BLE
BASIC 
AND
ADDITIO
NAL
TOTAL
PREMI
UM

AMOUNT 
OF 
INSURANC
E
RA
TE
ANNU
AL 
PREM
IUM
AMOUNT OF
INSURANCE
RA
TE
ANNU
AL
PREMI
UM
PREM. 
REDUCTI
ON/
INCREAS
E
TOTAL 
AMOUNT 
OF 
INSURAN
CE

BUILDI
NG
	150,000
	.90
1,350
	3,850,000
.14
	5,390
	-111
	4,000,000
	6,629
CONTE
NTS
	20,000
	.96
   192
	80,000
.60
	480
	0
	100,000
	672
RATE TYPE:  (ONE BUILDING PER 
POLICY?BLANKET COVERAGE NOT PERMITTED)
PAYMENT
ANNUAL SUBTOTAL
	7,301
? MANUAL		? SUBMIT FOR RATING
OPTION:
ICC PREMIUM
	75
? ALTERNATIVE		? V-ZONE RISK 
RATING FORM
? CREDIT 
CARD
SUBTOTAL
	7,376
? MORTGAGE PORTFOLIO PROTECTION 
PROGRAM
? OTHER:
CRS PREMIUM 
DISCOUNT                      
%
?
? PROVISIONAL RATING

SUBTOTAL
	7,376
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY 
KNOWLEDGE.  I UNDERSTAND THAT
PROBATION 
SURCHARGE
?
ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR 
IMPRISONMENT UNDER APPLICABLE FEDERAL LAW.
FEDERAL POLICY FEE
	630
SIGNATURE OF INSURANCE AGENT/BROKER	DATE 
(MM/DD/YY)
TOTAL PREPAID 
AMOUNT
	8,006

Premium  Calculation:
1.	Multiply Rate  x  $100 of Coverage:	Building:  $6,740  /  Contents:  $672
2.	Apply  Deductible Factor:	Building:  .980 x $6,740 = $6,605  /  Contents:  .980 x $672 = 
$659
3.	Premium Reduction:	Building:  $111 (maximum discount since $6,740 - $6,605 = 
$135
			  exceeds the maximum)  / Contents:  $0
4.	Subtotal:	$7,301
5.	Add ICC Premium:	$75
6.	Subtract  CRS  Discount:	N/A
7.	Subtotal:	$7,376
8.	Probation Surcharge:	N/A
9.	Add Federal Policy Fee:	$630
10.	Total Prepaid Amount:	$8,006

CLAIMS  ADJUSTMENT  WITH  COINSURANCE  PROVISION
Claim Payment is determined as follows:

(Insurance  Carried)	  4,000,000	x	(Amount of Loss)  1,000,000 = (Limit of Recovery) 277,778 - Less 
Deductible
(Insurance  Required)	14,400,000

(Coinsurance Penalty applies because minimum insurance amount of $14,400,000 was not met.)


LOWEST FLOOR GUIDE



X.	USING THE LOWEST FLOOR GUIDE

This section is to be used as a guide for 
identifying the lowest floor for rating buildings 
being considered for coverage under the 
National Flood Insurance Program. The 
comments accompanying each building drawing 
provided in this section will assist the producer 
in developing the proper rate for the building. 
Some special considerations to keep in mind 
are:

?	Buildings constructed prior to publication of 
the initial Flood Insurance Rate Map (Pre-
FIRM) can, at the option of the insured, be 
elevation rated using Post-FIRM rates. The 
insured may select the more advantageous 
rate.

?	An elevated building with an enclosure 
below the elevated floor with proper 
openings in the enclosure can be rated 
using the elevated floor as the lowest floor. 
(For elevated buildings with proper openings 
in the enclosure, the application should 
indicate "No" for enclosure.) This rule 
applies to buildings in Zones A, A1-A30, AE, 
AO, AH, AR, and AR Dual.

All enclosures (including an elevator shaft or 
a crawl space) below the lowest elevated 
floor must be designed to automatically 
equalize hydrostatic flood forces on exterior 
walls by allowing for the entry and exit of 
floodwaters. A minimum of two openings, 
with positioning on at least two walls, having 
a total net area of not less than 1 square 
inch for every square foot of enclosed area 
must be provided.  The bottom of all 
openings must be no higher than 1 foot 
above the grade underneath the openings.

?	As an alternative to the proper openings 
described above, a registered professional 
engineer or architect may certify that the 
openings are designed to automatically 
equalize hydrostatic flood forces on exterior 
walls by allowing for the entry and exit of 
floodwaters.  For acceptable certifications, 
refer to FEMA Technical Bulletin 1-93, 
"Openings in Foundation Walls."

?	An Elevation Certificate is required if the 
building is Post-FIRM and located in a 
Special Flood Hazard Area (SFHA) or is a 
Pre-FIRM building opting for Post-FIRM 
rates.



?	If a building elevated on a crawl space is 
located in an A zone (any flood zone 
beginning with the letter A) and has an 
attached garage, use the following 
guidelines to determine the lowest floor for 
rating:

-	Use the top of the crawl space (under-floor 
space) floor or the garage floor, whichever 
is lower, if neither the crawl space nor the 
garage has proper openings (flood vents); 
or

-	Use the top of the crawl space floor, if the 
only area that has proper openings (flood 
vents) is the garage; or

-	Use the top of the garage floor, if the only 
area that has proper openings (flood 
vents) is the crawl space; or

-	Use the top of the finished floor (habitable 
floor), if both the crawl space and the 
garage have proper openings (flood 
vents).

?	If the building is Post-FIRM construction 
located in flood Zone A, check with the 
community official to determine if there is an 
estimated Base Flood Elevation. If available, 
an Elevation Certificate that certifies the 
lowest floor elevation must be submitted.


XI.	LOWEST FLOOR DETERMINATION

The following guidance will help insurance 
agents determine the lowest floor so that the 
appropriate rate can be applied.

In a non-elevated building, the lowest floor used 
for rating is the building's lowest floor including a 
basement, if any.

If a dwelling located in an A zone (any flood 
zone beginning with the letter A) has an 
attached garage, and the floor level of the 
garage is below the level of the dwelling, and 
there is machinery/equipment on the floor of the 
garage that is below the BFE, the lowest floor is 
the garage floor unless the garage is properly 
vented.

In an elevated building, the lowest floor used for 
rating is the lowest elevated floor, with the 
following exceptions:

?	If a building located in an A zone (any flood 
zone beginning with the letter A) has an 
enclosure below the elevated floor, the 


enclosure floor becomes the lowest floor for 
rating if any of the following conditions 
exists:

-	The enclosed space is finished (having 
more than 20 linear feet of finished wall-
paneling, etc.); or

-	The enclosed space is used for other 
than building access (stairwells, 
elevators, etc.), parking, or storage; or

-	The enclosed space has no proper 
openings. See "Proper Openings " in the 
Definitions section.

?	In Zones V, VE, and V1-V30, the floor of an 
enclosed area below the lowest elevated 
floor is the building's lowest floor if one or 
more of the following conditions are met 
(Also see "D. Post-'81 V Zone Optional 
Rating" on page RATE 23.):

-	The enclosed space is finished (having 
more than 20 linear feet of finished wall-
paneling, etc.); or

-	The enclosed space is used for other 
than building access (stairwells, 
elevators, etc.), parking, or storage; or



-	The enclosed space is of any size, and 
there is machinery or equipment below 
the Base Flood Elevation located inside 
or outside the enclosed space. 
(Machinery or equipment is defined as 
building items permanently affixed to the 
building and that provide utility services 
for the building—i.e., furnaces, hot water 
heaters, heat pumps, air conditioners, 
and elevators and their associated 
equipment. Washers, dryers, and food 
freezers are contents items and are not 
considered machinery or equipment.); or

-	The enclosed space is constructed with non-
breakaway walls (A non-breakaway 
wall is defined as a wall that is 
attached to the structural support of 
the building and is not designed or 
constructed to collapse under 
specific lateral loading forces. This 
type of construction endangers the 
foundation system of the building.); 
or

-	The enclosed space is 300 square feet or 
more and has breakaway walls; or

-	The enclosed space has load-bearing 
(supporting) walls.



	 


	 
	


	 
	


	 
	


	 
	
	


XII.	SPECIFIC BUILDING DRAWINGS


Table of Contents


SECTION					
				
	   PAGE


Elevated Buildings for Pre- and Post-FIRM
Risks in Flood Zones B, C, X, A99, and D		LFG 9 - LFG 11


Non-Elevated Buildings for Pre- and Post-FIRM
Risks in Flood Zones B, C, X, A99, and D		LFG 12 - LFG 13


Elevated Buildings for Pre- and Post-FIRM
Risks in Flood Zones A, AO, and AH 		LFG 14 - LFG 18


Non-Elevated Buildings for Pre- and Post-FIRM
Risks in Flood Zones A, AO, and AH 		LFG 19 - LFG 21


Non-Elevated Buildings for Pre- and Post-FIRM Risks in
Flood Zones AE and A1-A30 		LFG 22 - LFG 27


Elevated Buildings for Pre- and Post-FIRM Risks in Flood
Zones AE and A1-A30 		LFG 28 - LFG 38


Non-Elevated Buildings for Pre- and Post-FIRM Risks with
Construction Dates of 1975 to September 30, 1981, in
Flood Zones VE and V1-V30 		LFG 39 - LFG 42


Elevated Buildings for Pre- and Post-FIRM Risks with
Construction Dates of 1975 to September 30, 1981, in
Flood Zones VE and V1-V30 		LFG 43 - LFG 51


Elevated Buildings for Post-FIRM Risks in Flood Zones
VE and V1-V30, Construction Date October 1, 1981, and After		LFG 52 - LFG 59






 
ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS IN FLOOD ZONES B, C, X, A99, AND D


1    LF?Lowest Floor				4  HAG?Highest Adjacent Grade
2   BFE?Base Flood Elevation				5  See page LFG 1 for optional elevation rating
3   See page LFG 1 for explanation of proper openings	6  Non-elevated buildings with construction 
						    dates of October 1, 1981, and after are Submit-for-Rate

NOTE:  Above references may not apply to this page.

Building Description
One floor and unfinished enclosed area
Elevating Foundation of 
Building
Piers, posts, piles, or columns
Type of Enclosure
Designed with proper openings3
Machinery or Equipment 
Servicing Building
With or without machinery or equipment
Lowest Floor for Rating
No Elevation Certificate Required
Application Should Show
Building Type? One floor
Is Building Elevated?? Yes
Is area below the elevated floor enclosed?? No
Pre-FIRM Rating
Use Pre-FIRM rate table no basement/enclosure category.
Post-FIRM Rating
Use Post-FIRM rate table no basement/enclosure category.
 
ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS IN FLOOD ZONES B, C, X, A99, AND D


1    LF?Lowest Floor				4  HAG?Highest Adjacent Grade
2   BFE?Base Flood Elevation				5  See page LFG 1 for optional elevation rating
3   See page LFG 1 for explanation of proper openings	6  Non-elevated buildings with construction 
						    dates of October 1, 1981, and after are Submit-for-Rate

NOTE:  Above references may not apply to this page.

Building Description
Two floors and unfinished enclosed area
Elevating Foundation of 
Building
Solid perimeter load-bearing walls. No openings
Type of Enclosure
Unfinished crawl space and garage
Machinery or Equipment 
Servicing Building
With or without machinery or equipment
Lowest Floor for Rating
No Elevation Certificate Required
Application Should Show
Building Type? Three or more floors
Is Building Elevated?? Yes
Is area below the elevated floor enclosed?? Yes
Pre-FIRM Rating
Use Pre-FIRM rate table with enclosure category.
Post-FIRM Rating
Use Post-FIRM rate table with basement/enclosure category.
 
ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS IN FLOOD ZONES B, C, X, A99, AND D


1   LF? Lowest Floor				4  HAG?Highest Adjacent Grade
2   BFE?Base Flood Elevation				5  See page LFG 1 for optional elevation rating
3  See page LFG 1 for explanation of proper openings	6  Non-elevated buildings with construction 
						    dates of October 1, 1981, and after are Submit-for-Rate

NOTE:  Above references may not apply to this page.

Building Description
One floor and finished or unfinished enclosed area
Elevating Foundation of 
Building
Piers, posts, piles, or columns
Type of Enclosure
Nonload-bearing walls
No proper openings3
Machinery or Equipment 
Servicing Building
With or without machinery or equipment
Lowest Floor for Rating
No Elevation Certificate Required
Application Should Show
Building Type? Two floors
Is Building Elevated?? Yes
Is area below the elevated floor enclosed?? Yes
Pre-FIRM Rating
Use Pre-FIRM rate table with enclosure category.
Post-FIRM Rating
Use Post-FIRM rate table with basement/enclosure category.
 
NON-ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS IN FLOOD ZONES B, C, X, A99, AND D


1   LF?Lowest Floor					4  HAG?Highest Adjacent Grade
2   BFE?Base Flood Elevation				5  See page LFG 1 for optional elevation rating
3  See page LFG 1 for explanation of proper openings	6  Non-elevated buildings with construction 
						    dates of October 1, 1981, and after are Submit-for-Rate

NOTE:  Above references may not apply to this page

Building Description
One floor on slab
Machinery or Equipment 
Servicing Building
N/A
Lowest Floor for Rating 
No Elevation Certificate Required
Application Should Show
Building Type? One floor
Basement? None
Is Building Elevated? ? No
Pre-FIRM Rating
Use Pre-FIRM rate table no basement/enclosure category.
Post-FIRM Rating
Use Post-FIRM rate table no basement/enclosure category.


 
NON-ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS IN FLOOD ZONES B, C, X, A99, AND D


1   LF?Lowest Floor					4  HAG?Highest Adjacent Grade
2   BFE?Base Flood Elevation				5  See page LFG 1 for optional elevation rating
3  See page LFG 1 for explanation of proper openings	6  Non-elevated buildings with construction 
						    dates of October 1, 1981, and after are Submit-for-Rate

NOTE:  Above references may not apply to this page.

Building Description
One floor with finished or unfinished basement
Machinery or Equipment 
Servicing Building
With or without machinery or equipment in basement
Lowest Floor for Rating
No Elevation Certificate Required
Application Should Show
Building Type?Two floors
Basement?Finished or unfinished
Is Building Elevated??No
Pre-FIRM Rating
Use Pre-FIRM rate table with basement category.
Post-FIRM Rating
Use Post-FIRM rate table with basement/enclosure category.


 
ELEVATED BUILDINGS
I.	PRE- AND POST-FIRM RISKS IN FLOOD ZONES A, AO, AND AH


1   LF?Lowest Floor					4  HAG?Highest Adjacent Grade
2   BFE?Base Flood Elevation				5  See page LFG 1 for optional elevation rating
3  See page LFG 1 for explanation of proper openings	6  Non-elevated buildings with construction 
						    dates of October 1, 1981, and after are Submit-for-Rate

Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate

NOTE:  Above references may not apply to this 
page.

Building Description
One floor without enclosed area (See Elevation Certificate, Diagram 5)
Elevating Foundation of 
Building
Piers, posts, piles, or columns
Type of Enclosure
No enclosure
Machinery or Equipment 
Servicing Building
None
Lowest Floor for Rating
Top of lowest elevated floor
Application Should Show
Building Type— One floor
Is Building Elevated?— Yes
Is area below the elevated floor enclosed?— No
Pre-FIRM Rating5
AO Zone:  If difference between LF1 and HAG4 is equal to or greater than Base Flood Depth, use with certification 
rate.  If not, use Pre-FIRM rate table no basement/enclosure category.
AH Zone:  If LF1 elevation is equal to or greater than BFE2, use with certification rate.  If LF1 elevation is less than 
BFE2, use Pre-FIRM rate table .
A Zone with estimated BFE2: If LF1 elevation is equal to or greater than the estimated BFE2, use Post-FIRM rate 
table with the estimated base flood elevation category.  If LF1 elevation is less than BFE2, use Pre-FIRM rate 
table no basement/enclosure category.
A Zone without estimated BFE2:  If difference between the LF1 and HAG4 is 2 ft. or more, use Post-FIRM no 
estimated base flood elevation rate table.  If the difference is 1 ft. or less, use Pre-FIRM rate table no 
basement/enclosure category.
.
Post-FIRM Rating
AO Zone:  If difference between LF1 and HAG4 is equal to or greater than Base Flood Depth, use with certification 
rate.  If not, use without certification rate.
AH Zone: If LF1 elevation is greater than or equal to BFE2, use with certification rate.  If not, use without 
certification rate.
A Zone with estimated BFE2: Use Post-FIRM rate table with the estimated base flood elevation category.  If LF1  
elevation is 2 or more feet below the estimated BFE2, submit the application to the NFIP for a rate.
A Zone without estimated BFE2:  If difference between the LF1 and HAG4 is 1 ft. or more, use Post-FIRM rate 
table no estimated base flood elevation category.  If difference is 0 or less, submit the application to the NFIP for 
a rate.
 
ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS IN FLOOD ZONES A, AO, AND AH


1    LF?Lowest Floor				4  HAG?Highest Adjacent Grade
2   BFE?Base Flood Elevation			5  See page LFG 1 for optional elevation rating
3  See page LFG 1 for explanation of proper openings	6  Non-elevated buildings with construction 
						    dates of October 1, 1981, and after are Submit-for-Rate


Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate
NOTE:  Above references may not apply to 
this page.

Building Description
One floor and unfinished enclosed area (See Elevation Certificate, Diagram 6)
Elevating Foundation of 
Building
Piers, posts, piles, or columns
Type of Enclosure
Designed with proper openings3
Machinery or Equipment 
Servicing Building
With or without machinery or equipment
Lowest Floor for Rating
Top of next higher floor
Application Should Show
Building Type— One floor
Is Building Elevated?— Yes
Is area below the elevated floor enclosed?— No
Pre-FIRM Rating5
AO Zone:  If difference between LF1 and HAG4 is equal to or greater than Base Flood Depth, use with certification 
rate.  If not, use Pre-FIRM rate table no basement/enclosure category.
AH Zone:  If LF1 elevation is equal to or greater than BFE2, use with certification rate.  If LF1 elevation is less than 
BFE2, use Pre-FIRM rate table 
A Zone with estimated BFE2: If LF1 elevation is equal to or greater than the estimated BFE2, use Post-FIRM rate 
table with the estimated base flood elevation  category.  If LF1 elevation is less than BFE2, use Pre-FIRM rate 
table no basement/enclosure category.
A Zone without estimated BFE2:  If difference between the LF1 and HAG4 is 2 ft. or more, use Post-FIRM no 
estimated base flood elevation rate table. If the difference is 1 ft. or less, use Pre-FIRM rate table no 
basement/enclosure category.

Post-FIRM Rating
AO Zone:  If difference between LF1 and HAG4 is equal to or greater than Base Flood Depth, use with certification 
rate.  If not, use without certification rate.
AH Zone: If LF1 elevation is greater  than or equal to BFE2, use with certification rate.  If not, use without 
certification rate.
A Zone with estimated BFE2: Use Post-FIRM rate table with the estimated base flood elevation category.  If LF1 
elevation is 2 or more feet below the estimated BFE2, submit the application to the NFIP for a rate.
A Zone without estimated BFE2: If difference between the LF1 and HAG4 is 1 ft. or more, use Post-FIRM rate table 
no estimated base flood 
elevation category.  If the difference is 0 or less, submit the application to the NFIP for a rate.
 
ELEVATED BUILDINGS
J.	PRE- AND POST-FIRM RISKS IN FLOOD ZONES A, AO, AND AH


1    LF?Lowest Floor				4  HAG?Highest Adjacent Grade
2   BFE?Base Flood Elevation				5  See page LFG 1 for optional elevation rating
3   See page LFG 1 for explanation of proper openings	6  Non-elevated buildings with construction 
						    dates of October 1, 1981, and after are Submit-for-Rate

NOTE:  Above references may not apply to this page.
Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate


Building Description
Two floors and unfinished enclosed area
Elevating Foundation of 
Building
Solid load-bearing walls. No openings
Type of Enclosure
Unfinished crawl space and garage
Machinery or Equipment 
Servicing Building
With or without machinery or equipment
Lowest Floor for Rating
Top of bottom floor (lower of crawl space or garage)
Application Should Show
Building Type? Three or more floors
Is Building Elevated?? Yes
Is area below the elevated floor enclosed?? Yes
Pre-FIRM Rating
AO Zone:  Use Pre-FIRM rate table with enclosure category.
AH Zone:  Use Pre-FIRM rate table with enclosure category.
A Zone:  Use Pre-FIRM rate table with enclosure category.
Post-FIRM Rating
Submit the application to the NFIP for a rate.
 
ELEVATED BUILDINGS
K.	PRE- AND POST-FIRM RISKS IN FLOOD ZONES A, AO, AND AH


1   LF?Lowest Floor					4  HAG?Highest Adjacent Grade
2  BFE?Base Flood Elevation				5  See page LFG 1 for optional elevation rating
3  See page LFG 1 for explanation of proper openings	6  Non-elevated buildings with construction 
						   dates of October 1, 1981, and after are Submit-for-Rate


Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate

NOTE:  Above references may not apply to 
this page.

Building Description
One floor and finished or unfinished enclosed area (See Elevation Certificate, Diagram 6)
Elevating Foundation of 
Building
Piers, posts, piles, or columns
Type of Enclosure
Nonload-bearing walls
No openings3
Machinery or Equipment 
Servicing Building
With or without machinery or equipment
Lowest Floor for Rating
Top of bottom floor (including basement or enclosure)
Application Should Show
Building Type— Two floors
Is Building Elevated?— Yes
Is area below the elevated floor enclosed?— Yes
Pre-FIRM Rating
AO Zone:  Use Pre-FIRM rate table with enclosure category.
AH Zone:  Use Pre FIRM rate table with enclosure category.
A Zone:  Use Pre-FIRM rate table with enclosure category.
Post-FIRM Rating
Submit the application to the NFIP for a rate.

 
ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS IN FLOOD ZONES A, AO, AND AH


1    LF?Lowest Floor				4  HAG?Highest Adjacent Grade
2   BFE?Base Flood Elevation				5  See page LFG 1 for optional elevation rating
3   See page LFG 1 for explanation of proper openings	6  Non-elevated buildings with construction 
						    dates of October 1, 1981, and after are Submit-for-Rate

Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate
NOTE:  Above references may not apply to 
this page.

Building Description
Mobile home without enclosed area
Elevating Foundation of 
Building
Piers, posts, piles, or columns
Type of Enclosure
Vinyl skirting
Machinery or Equipment 
Servicing Building
With or without machinery or equipment below elevated floor
Lowest Floor for Rating
Top of lowest elevated floor
Application Should Show
Building Type? Mobile home
Is Building Elevated?? Yes
Is area below the elevated floor enclosed?? No
Pre-FIRM Rating5
AO Zone:  If difference between LF1 and HAG4 is equal to or greater than Base Flood Depth, use with 
certification rate.  If not, use Pre-FIRM rate table no basement/enclosure category.
AH Zone:  If LF1 elevation is equal to or greater than BFE2, use with certification rate.  If LF1 elevation is less 
than BFE2, use Pre-FIRM rate table .
A Zone with estimated BFE2: If LF1 elevation is equal to or greater than the estimated BFE2, use Post-FIRM rate 
table with the estimated base flood elevation category.  If LF1 elevation is less than BFE2, use Pre-FIRM rate 
table no basement/enclosure category.
A Zone without estimated BFE2:  If difference between the LF1 and HAG4 is 2 ft. or more, use Post-FIRM no 
estimated base flood elevation rate table.  If the difference is 1 ft. or less, use Pre-FIRM rate table no 
basement/enclosure category.
.
Post-FIRM Rating
AO Zone:  If difference between LF1 and HAG4 is equal to or greater than Base Flood Depth, use with 
certification rate.  If not, use without certification rate.
AH Zone: If LF1 elevation is greater than or equal to BFE2, use with certification rate.  If not, use without 
certification rate.
A Zone with estimated BFE2: Use Post-FIRM rate table with the estimated base flood elevation category.  If 
LF1  elevation is 2 or more feet below the estimated BFE2, submit the application to the NFIP for a rate.
A Zone without estimated BFE2:  If difference between the LF1 and HAG4 is 1 ft. or more, use Post-FIRM rate 
table no estimated base flood elevation category.  If difference is 0 or less, submit the application to the NFIP for 
a rate.


 
NON-ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS IN FLOOD ZONES A, AO, AND AH


1   LF?Lowest Floor					4  HAG?Highest Adjacent Grade
2  BFE?Base Flood Elevation				5  See page LFG 1 for optional elevation rating
3  See page LFG 1 for explanation of proper openings	6  Non-elevated buildings with construction 
						   dates of October 1, 1981, and after are Submit-for-Rate


Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate

NOTE:  Above references may not apply to 
this page.

Building Description
One floor and finished or unfinished basement (See Elevation Certificate, Diagram 2)
Machinery or Equipment 
Servicing Building
With or without machinery or equipment in the basement
Lowest Floor for Rating
Top of bottom floor (including basement or enclosure)
Application Should Show
Building Type— Two floors
Basement— Finished or unfinished
Is Building Elevated?— No
Pre-FIRM Rating
AO Zone:  Use Pre-FIRM rate table with basement category.
AH Zone:  Use Pre-FIRM rate table with basement category.
A Zone:  Use Pre-FIRM rate table with basement category.
Post-FIRM Rating
Submit the application to the NFIP for a rate.
 
NON-ELEVATED BUILDINGS
L.	PRE- AND POST-FIRM RISKS IN FLOOD ZONES A, AO, AND AH


1    LF?Lowest Floor				4  HAG?Highest Adjacent Grade
2   BFE?Base Flood Elevation			5  See page LFG 1 for optional elevation rating
3   See page LFG 1 for explanation of proper openings	6  Non-elevated buildings with construction 
						    dates of October 1, 1981, and after are Submit-for-Rate


Letters and numbers  in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate

NOTE:  Above references may not apply to 
this page.

Building Description
One floor on slab (See Elevation Certificate, Diagram 1)
Machinery or Equipment 
Servicing Building
N/A
Lowest Floor for Rating
Top of bottom floor
Application Should Show
Building Type— One floor
Basement— None
Is Building Elevated?— No
Pre-FIRM Rating5
AO Zone:  If difference between LF1 and HAG4 is equal to or greater than Base Flood Depth, use with 
certification rate.  If not, use Pre-FIRM rate table; no basement/enclosure category.
AH Zone:  If LF1 elevation is equal to or greater than BFE2, use with certification rate.  If LF1 elevation is less 
than BFE2, use Pre-FIRM rate table.
A Zone with estimated BFE2:  If LF1 elevation is equal to or greater than the estimated BFE2, use Post-FIRM 
rate table with the estimated base flood elevation category.  If LF1 elevation is less than BFE2, use Pre-FIRM 
rate table no basement/enclosure category.
A Zone without estimated BFE2:  If difference between the LF1 and HAG4 is 2 ft. or more, use Post-FIRM no 
estimated base flood elevation rate table.  If the difference is 1 ft. or less, use Pre-FIRM rate table no 
basement/enclosure category.
Post-FIRM Rating
AO Zone:  If difference between LF1 and HAG4 is equal to or greater than Base Flood Depth, use with 
certification rate.  If not, use without certification rate.
AH Zone:  If LF1 elevation is greater than or equal to BFE2, use with certification rate.  If not, use without 
certification rate.
A Zone with estimated BFE2:  Use Post-FIRM rate table with the estimated base flood elevation category.  If 
LF1 elevation is 2 or more feet below the estimated BFE2, submit the application to the NFIP for a rate.
A Zone without estimated BFE2:  If difference between the LF1 and HAG4 is 1 ft. or more, use Post-FIRM rate 
table no estimated base flood elevation category.  If difference is 0 or less, submit the application to the NFIP 
for a rate.
 
NON-ELEVATED BUILDINGS
M.	PRE- AND POST-FIRM RISKS IN FLOOD ZONES A, AO, AND AH

1   LF?Lowest Floor					4  HAG?Highest Adjacent Grade
2  BFE?Base Flood Elevation				5  See page LFG 1 for optional elevation rating
3  See page LFG 1 for explanation of proper openings	6  Non-elevated buildings with construction 
						    dates of October 1, 1981, and after are Submit-for-Rate


Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate

NOTE:  Above references may not apply to 
this page.

Building Description
Two floors with enclosed garage on slab (See Elevation Certificate, Diagram 1)
Machinery or Equipment 
Servicing Building
Machinery or equipment in garage.
Lowest Floor for Rating
Top of finished floor if the garage is used for parking vehicle and storage and the machinery/equipment is at or 
above the BFE, or if the
machinery/equipment is below the BFE and the garage is properly vented.
Application Should Show
Building Type—Two floors
Basement—None
Is Building Elevated?—No
Pre-FIRM Rating5
AO Zone:  If difference between LF1 AND HAG4 is equal to or greater than Base Flood Depth, use with 
certification rate.  If not, use Pre-FIRM rate table; no basement/enclosure category.
AH Zone:  If LF1 elevation is equal to or greater than BFE2, use with certification rate.  If LF1 elevation is less 
than BFE2, use Pre-FIRM rate table.
A Zone with estimated BFE2:  If LF1 elevation is equal to or greater than the estimated BFE2, use Post-FIRM 
rate table with the estimated base flood elevation category.  If LF1 elevation is less than BFE2, use Pre-FIRM 
rate table no basement/enclosure category.
A Zone without estimated BFE2:  If difference between the LF1 and HAG4 is 2 ft. or more, use Post-FIRM no 
estimated base flood elevation rate table.  If the difference is 1 ft. or less, use Pre-FIRM rate table no 
basement/enclosure category.
Post-FIRM Rating
AO Zone: If difference between LF1 and HAG4 is equal to or greater than Base Flood Depth, use with 
certification rate.  If not, use without certification rate.
AH Zone:  If LF1 elevation is greater than or equal to BFE2, use with certification rate.  If not, use without 
certification rate.
A Zone with estimated BFE2:  Use Post-FIRM rate table with the estimated base flood elevation category.  If 
LF1 elevation is 2 or more feet below the estimated BFE2, submit the application to the NFIP for a rate.
A Zone without estimated BFE2:  If difference between the LF1 and HAG4 is 1 ft. or more, use Post-FIRM rate 
table no estimated base flood elevation category.  If difference is 0 or less, submit the application to the NFIP 
for a rate.
 
NON-ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30


1   LF? Lowest Floor				4  HAG?Highest Adjacent Grade
2   BFE?Base Flood Elevation			5  See page LFG 1 for optional elevation rating
3  See page LFG 1 for explanation of proper openings	6  Non-elevated buildings with construction 
						    dates of October 1, 1981, and after are Submit-for-Rate


Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate

NOTE:  Above references may not apply to 
this page.

Building Description
One floor on slab (See Elevation Certificate, Diagram 1)
Machinery or Equipment 
Servicing Building
N/A
Lowest Floor for Rating
Top of bottom floor
Application Should Show
Building Type—One floor
Basement—None
Is Building Elevated?—No
Pre-FIRM Rating5
If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate table no basement/enclosure category. 
If LF1 elevation is less than BFE2, use Pre-FIRM rate table no basement/enclosure category.
Post-FIRM Rating
Use Post-FIRM rate table no basement/enclosure category. If LF1 elevation is 2 or more feet below the BFE2, 
submit the application to the NFIP for a rate.
 
NON-ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30


1   LF?Lowest Floor					4  HAG?Highest Adjacent Grade
2   BFE?Base Flood Elevation			5  See page LFG 1 for optional elevation rating
3  See page LFG 1 for explanation of proper openings	6  Non-elevated buildings with construction 
						    dates of October 1, 1981, and after are Submit-for-Rate


Letters and numbers in parentheses, as "(C3.a)," 
correspond to Section C of the Elevation Certificate

NOTE:  Above references may not apply to 
this page.

Building Description
Two floors on slab with attached garage (See Elevation Certificate, Diagram 1)
Machinery or Equipment 
Servicing Building
Machinery or equipment in garage
Lowest Floor for Rating
Top of finished floor if the garage is used for parking vehicle and storage and the machinery/equipment is at or 
above the BFE, or if the M/E is below the BFE and the garage is properly vented.
Application Should Show
Building Type— Two floors
Basement— None
Is Building Elevated?— No
Pre-FIRM Rating5
If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate table no basement/enclosure category. 
If LF1 elevation is less than BFE2, use Pre-FIRM rate table no basement/enclosure category.
Post-FIRM Rating
Use Post-FIRM rate table no basement/enclosure category. If LF1 elevation is 2 or more feet below the BFE2, 
submit the application to the NFIP for a rate.


NON-ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30


1    LF?Lowest Floor				4  HAG?Highest Adjacent Grade
2   BFE?Base Flood Elevation				5  See page LFG 1 for optional elevation rating
3   See page LFG 1 for explanation of proper openings	6  Non-elevated buildings with construction 
						    dates of October 1, 1981, and after are Submit-for-Rate




Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate

NOTE:  Above references may not apply to this page.

Building Description
Two floors and unfinished basement/subgrade crawl space.
Basement/subgrade crawl space floor is within 2 feet below grade, and the distance between the 
basement/subgrade crawl space floor and the top of the next higher floor is within 5 feet.
Machinery or Equipment 
Servicing Building
With or without machinery or equipment
Lowest Floor for Rating
Basement/subgrade crawl space
Application Should Show
Building Type? Three or more floors
Is Building Elevated?? No
Basement— Unfinished
Pre-FIRM Rating5
If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate table with basement/enclosure 
category.  If LF1 elevation is less than BFE2, use Pre-FIRM rate table with basement category.
Post-FIRM Rating
Use Post-FIRM rate table with basement/enclosure category.  If LF1 elevation is 1 or more feet below the BFE2, 
submit the application to the NFIP for a rate.  See "G. Crawl Space" on page  RATE 24.










NON-ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30


1    LF?Lowest Floor				4  HAG?Highest Adjacent Grade
2   BFE?Base Flood Elevation				5  See page LFG 1 for optional elevation rating
3   See page LFG 1 for explanation of proper openings	6  Non-elevated buildings with construction 
						    dates of October 1, 1981, and after are Submit-for-Rate



Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate

NOTE:  Above references may not apply to this page.

Building Description
Two floors and unfinished basement/subgrade crawl space.
Basement/subgrade crawl space floor is subgrade more than 2 feet, or subgrade within 2 feet, but the distance 
between the basement/subgrade crawl space floor and the top of the next higher floor is more than 5 feet.
Machinery or Equipment 
Servicing Building
With or without machinery or equipment
Lowest Floor for Rating
Basement/subgrade crawl space
Application Should Show
Building Type? Three or more floors
Is Building Elevated?? No
Basement— Unfinished
Pre-FIRM Rating5
If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate table with basement/enclosure 
category.  If LF1 elevation is less than BFE2, use Pre-FIRM rate table with basement category.
Post-FIRM Rating
Use Post-FIRM rate table with basement/enclosure category.  If LF1 elevation is 2 or more feet below the BFE2, 
submit the application to the NFIP for a rate.


 
NON-ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30


1    LF?Lowest Floor				4  HAG?Highest Adjacent Grade
2   BFE?Base Flood Elevation			5  See page LFG 1 for optional elevation rating
3   See page LFG 1 for explanation of proper openings	6  Non-elevated buildings with construction 
						    dates of October 1, 1981, and after are Submit-for-Rate


Letters and numbers in parentheses, as "(C3.a),"	
correspond to Section C of the Elevation Certificate

NOTE:  Above references may not apply to 
this page.

Building Description
One floor with attached garage
Garage is at lower elevation than principal building area (See Elevation Certificate, Diagram 1)
Machinery or Equipment 
Servicing Building
Machinery or equipment in garage
Lowest Floor for Rating
Top of slab of principal building area only if the garage is used for parking vehicle and storage and the 
machinery/equipment is at or above the BFE, or if the M/E is below the BFE and the garage is properly vented.
Application Should Show
Building Type— One floor
Basement— None
Is Building Elevated?— No
Pre-FIRM Rating5
If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate table no basement/enclosure category.  
If LF1 elevation is less than BFE2, use Pre-FIRM rate table no basement/enclosure category.
Post-FIRM Rating
Use Post-FIRM rate table no basement/enclosure category. If LF1 elevation is 2 or more feet below the BFE2, 
submit the application to the NFIP for a rate.
 
NON-ELEVATED BUILDINGS
N.	PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30


1    LF?Lowest Floor				4  HAG?Highest Adjacent Grade
2   BFE?Base Flood Elevation			5  See page LFG 1 for optional elevation rating
3  See page LFG 1 for explanation of proper openings	6  Non-elevated buildings with construction 
						    dates of October 1, 1981, and after are Submit-for-Rate


Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate

NOTE:  Above references may not apply to 
this page.

Building Description
Split level with unfinished or finished basement (See Elevation Certificate, Diagram 4)
Machinery or Equipment 
Servicing Building
With or without machinery or equipment in basement
Lowest Floor for Rating 
Top of bottom floor (including basement)
Application Should Show
Building Type— Split level
Basement— Finished or unfinished
Is Building Elevated?— No
Pre-FIRM Rating5
If LF1 elevation is equal to or greater than the BFE, use Post-FIRM rate table with basement/enclosure 
category. If LF1 elevation is less than BFE2, use Pre-FIRM rate table with basement category.
Post-FIRM Rating
Use Post-FIRM rate table with basement/enclosure category. If LF1 elevation is 2 or more feet below the BFE2, 
submit the application to the NFIP for a rate.
 
ELEVATED BUILDINGS
O.	PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30


1    LF?Lowest Floor				4  HAG?Highest Adjacent Grade
2   BFE?Base Flood Elevation			5  See page LFG 1 for optional elevation rating
3  See page LFG 1 for explanation of proper openings	6  Non-elevated buildings with construction
						    dates of October 1, 1981, and after are Submit-for-Rate


Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate

NOTE:  Above references may not apply to 
this page.

Building Description
Two floors with walkout at ground level
Lower floor is not below grade on all sides
Principal use of the building is on the elevated floor (See Elevation Certificate, Diagram 7)
Elevating Foundation of 
Building
Solid perimeter walls
Type of Enclosure
Load-bearing walls
No openings
Finished or unfinished lower level
Machinery or Equipment 
Servicing Building
With or without machinery or equipment at ground level
Lowest Floor for Rating
Top of bottom floor (enclosure)
Application Should Show
Building Type — Two floors
Is Building Elevated? — Yes
Is area below the elevated floor enclosed? — Yes
Pre-FIRM Rating5
If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate table with basement/enclosure 
category. If LF1 elevation is less than BFE2, use Pre-FIRM rate table with enclosure category.
Post-FIRM Rating
Use Post-FIRM rate table with basement/enclosure category. If LF1 elevation is 1 or more feet below the BFE2, 
submit the application to the NFIP for a rate.

 
ELEVATED BUILDINGS
P.	PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30


1    LF? Lowest Floor				4  HAG?Highest Adjacent Grade
2   BFE?Base Flood Elevation			5  See page LFG 1 for optional elevation rating
3  See page LFG 1 for explanation of proper openings	6  Non-elevated buildings with construction 
						    dates of October 1, 1981, and after are Submit-for-Rate


Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate

NOTE:  Above references may not apply to 
this page.

Building Description
One floor without enclosed area (See Elevation Certificate, Diagram 5)
Elevating Foundation of 
Building
Piers, posts, piles, or columns
Type of Enclosure
No enclosure
Machinery or Equipment 
Servicing Building
With or without machinery or equipment below the lowest elevated floor
Lowest Floor for Rating
Top of lowest elevated floor
Application Should Show
Building Type— One floor
Is Building Elevated?— Yes
Is area below the elevated floor enclosed?— No
Pre-FIRM Rating5
If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate table no basement/enclosure category. 
If LF1 elevation is less than BFE2, use Pre-FIRM rate table no basement/enclosure category.
Post-FIRM Rating
Use Post-FIRM rate table no basement/enclosure category. If LF1 elevation is 2 or more feet below the BFE2, 
submit the application to the NFIP for a rate.
 
ELEVATED BUILDINGS
Q.	PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30


1   LF?Lowest Floor					4  HAG?Highest Adjacent Grade
2   BFE?Base Flood Elevation			5  See page LFG 1 for optional elevation rating
3  See page LFG 1 for explanation of proper openings	6  Non-elevated buildings with construction 
						    dates of October 1, 1981, and after are Submit-for-Rate


Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate

NOTE:  Above references may not apply to 
this page.

Building Description
One floor and unfinished enclosed area (See Elevation Certificate, Diagram 6)
Elevating Foundation of 
Building
Piers, posts, piles, or columns
Type of Enclosure
Designed with proper openings3
Machinery or Equipment 
Servicing Building
With or without machinery or equipment
Lowest Floor for Rating
Top of the next higher floor (elevated floor)
Application Should Show
Building Type— One floor
Is Building Elevated?— Yes
Is area below the elevated floor enclosed?— No
Pre-FIRM Rating5
If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate table no basement/enclosure category. 
If LF1 elevation is less than BFE2, use Pre-FIRM rate table no basement/enclosure category.
Post-FIRM Rating
Use Post-FIRM rate table no basement/enclosure category. If LF1 elevation is 2 or more feet below the BFE2, 
submit the application to the NFIP for a rate.
 
ELEVATED BUILDINGS
R.	PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30


1    LF?Lowest Floor				4  HAG?Highest Adjacent Grade
2   BFE?Base Flood Elevation				5  See page LFG 1 for optional elevation rating
3   See page LFG 1 for explanation of proper openings	6  Non-elevated buildings with construction 
						    dates of October 1, 1981, and after are Submit-for-Rate

NOTE:  Above references may not apply to this page.
Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate

Building Description
Two floors and unfinished enclosed area
Elevating Foundation of 
Building
Solid load-bearing walls.  No openings
Type of Enclosure
Unfinished crawl space.  Enclosed garage at lower level than crawl space; garage above lowest adjacent grade
Machinery or Equipment 
Servicing Building
With or without machinery or equipment
Lowest Floor for Rating
Top of bottom floor (garage)
Application Should Show
Building Type? Three or more floors
Is Building Elevated?? Yes
Is area below the elevated floor enclosed?? Yes
Pre-FIRM Rating5
If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate table with basement/enclosure 
category.
If LF1 elevation is less than the BFE2, use Pre-FIRM rate table with enclosure category.
Post-FIRM Rating
Use Post-FIRM rate table with basement/enclosure category.  If LF1 elevation is 1 or more feet below the BFE2, 
submit the application to the NFIP for a rate.
 
ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30


1    LF? Lowest Floor				4  HAG?Highest Adjacent Grade
2   BFE?Base Flood Elevation			5  See page LFG 1 for optional elevation rating
3  See page LFG 1 for explanation of proper openings	6  Non-elevated buildings with construction 
						   dates of October 1, 1981, and after are Submit-for-Rate


Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate

NOTE:  Above references may not apply to 
this page.

Building Description
One floor and finished or unfinished enclosed area (See Elevation Certificate, Diagram 6)
Elevating Foundation of 
Building
Piers, posts, piles, or columns
Type of Enclosure
Nonload-bearing walls
No openings3
Machinery or Equipment 
Servicing Building
With or without machinery or equipment
Lowest Floor for Rating
Top of bottom floor (including basement or enclosure)
Application Should Show
Building Type— Two floors
Is Building Elevated?— Yes
Is area below the elevated floor enclosed?—Yes
Pre-FIRM Rating5
If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate table with basement/enclosure 
category. If LF1 elevation is less than BFE2, use Pre-FIRM rate table with enclosure category.
Post-FIRM Rating
Use Post-FIRM rate table with basement/enclosure category.  If LF1 elevation is 1 or more feet below the BFE2, 
submit the application to the NFIP for a rate.
 
ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30

1    LF?Lowest Floor				4  HAG?Highest Adjacent Grade
2   BFE?Base Flood Elevation			5  See page LFG 1 for optional elevation rating
3  See page LFG 1 for explanation of proper openings	6  Non-elevated buildings with construction 
						    dates of October 1, 1981, and after are Submit-for-Rate



Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate

NOTE:  Above references may not apply to 
this page.

Building Description
One floor and unfinished enclosed area (See Elevation Certificate, Diagram 7)
Elevating Foundation of 
Building
Solid perimeter load-bearing walls
Type of Enclosure
Unfinished enclosure
No proper openings3
Machinery or Equipment 
Servicing Building
With or without machinery or equipment
Lowest Floor for Rating 
Top of bottom floor (including basement or enclosure)
Application Should Show
Building Type— Two floors
Is Building Elevated?— Yes
Is area below the elevated floor enclosed?— Yes
Pre-FIRM Rating5
If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate table with basement/enclosure 
category. If LF1 elevation is less than BFE2, use Pre-FIRM rate table with enclosure category.

Post-FIRM Rating
Use Post-FIRM rate table with basement/enclosure category. If LF1 elevation is 1 or more feet below the BFE2, 
submit the application to the NFIP for a rate.
 
ELEVATED BUILDINGS
S.	PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30


1   LF?Lowest Floor					4  HAG?Highest Adjacent Grade
2   BFE?Base Flood Elevation			5  See page LFG 1 for optional elevation rating
3  See page LFG 1 for explanation of proper openings	6  Non-elevated buildings with construction 
						    dates of October 1, 1981, and after are Submit-for-Rate


Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate

  NOTE:  Above references may not apply to this 
page.

Building Description
Two floors with crawl space (See Elevation Certificate, Diagram 8)
Elevating Foundation of 
Building
Solid or partial perimeter walls
Type of Enclosure
Enclosed garage at same level as crawl space
Unfinished crawl space without proper openings3
Floor of crawl space is at or above lowest adjacent grade
Machinery or Equipment 
Servicing Building
With or without machinery or equipment
Lowest Floor for Rating 
Floor of crawl space and garage
Application Should Show
Building Type— Three or more floors
Is Building Elevated?— Yes
Is area below the elevated floor enclosed?— Yes
Pre-FIRM Rating5
If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate table with basement/enclosure 
category. If LF1 elevation is less than BFE2, use Pre-FIRM rate table with enclosure category.
Post-FIRM Rating
Use Post-FIRM rate table with basement/enclosure category. If LF1 elevation is 1 or more feet below the BFE2, 
submit the application to the NFIP for a rate.
 
ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30

1   LF?Lowest Floor					4  HAG?Highest Adjacent Grade
2   BFE?Base Flood Elevation			5  See page LFG 1 for optional elevation rating
3  See page LFG 1 for explanation of proper openings	6  Non-elevated buildings with construction 
						    dates of October 1, 1981, and after are Submit-for-Rate





Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate

NOTE:  Above references may not apply to 
this page.

Building Description
Two floors with crawl space (See Elevation Certificate, Diagram 8)
Elevating Foundation of 
Building
Solid or partial perimeter walls
Type of Enclosure
Unfinished crawl space and garage designed with proper openings3
Floor of crawl space is at or above lowest adjacent grade
Garage at same level as crawl space
Machinery or Equipment 
Servicing Building
Without machinery or equipment in crawl space
Lowest Floor for Rating 
Top of next higher floor
Application Should Show
Building Type— Two floors
Is Building Elevated?— Yes
Is area below the elevated floor enclosed?— No
Pre-FIRM Rating5
If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate table no basement/enclosure category. 
If LF1 elevation is less than BFE2, use Pre-FIRM rate table no basement/enclosure category.
Post-FIRM Rating
Use Post-FIRM rate table no basement/enclosure category. If LF1 elevation is 2 or more feet below the BFE2, 
submit the application to the NFIP for a rate.
 
ELEVATED BUILDINGS
PRE- AND POST-FIRM  RISKS IN FLOOD ZONES AE AND A1-A30

1    LF?Lowest Floor				4  HAG?Highest Adjacent Grade
2   BFE?Base Flood Elevation			5  See page LFG 1 for optional elevation rating
3  See page LFG 1 for explanation of proper openings	6  Non-elevated buildings with construction 
						    dates of October 1, 1981, and after are Submit-for-Rate



Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate

NOTE:  Above references may not apply to 
this page.

Building Description
Two floors with crawl space (See Elevation Certificate, Diagram 8)
Elevating Foundation of 
Building
Solid or partial perimeter walls
Type of Enclosure
Unfinished crawl space designed with proper openings3
Floor of crawl space is at or above lowest adjacent grade
Machinery or Equipment 
Servicing Building
With or without machinery or equipment in crawl space
Lowest Floor for Rating 
Top of next higher floor
Application Should Show
Building Type— Two floors
Is Building Elevated?— Yes
Is area below the elevated floor enclosed?— No
Pre-FIRM Rating5
If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate table no basement/enclosure category. 
If LF1 elevation is less than BFE2, use Pre-FIRM rate table no basement/enclosure category.
Post-FIRM Rating
Use Post-FIRM rate table no basement/enclosure category. If LF1 elevation is 2 or more feet below the BFE2, 
submit the application to the NFIP for a rate.
 
ELEVATED BUILDINGS
T.	PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30

1   LF?Lowest Floor					4  HAG?Highest Adjacent Grade
2   BFE?Base Flood Elevation			5  See page LFG 1 for optional elevation rating
3  See page LFG 1 for explanation of proper openings	6  Non-elevated buildings with construction 
						    dates of October 1, 1981, and after are Submit-for-Rate



Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate

NOTE:  Above references may not apply to 
this page.

Building Description
Two floors with crawl space (See Elevation Certificate, Diagram 8)
Elevating Foundation of 
Building
Solid or partial perimeter walls
Type of Enclosure
Unfinished crawl space without proper openings3
Floor of crawl space is at or above lowest adjacent grade
Machinery or Equipment 
Servicing Building
With or without machinery or equipment
Lowest Floor for Rating 
Top of bottom floor (crawl space)
Application Should Show
Building Type— Three or more floors
Is Building Elevated?— Yes
Is area below the elevated floor enclosed?— Yes
Pre-FIRM Rating5
If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate table with basement/enclosure 
category. If LF1 elevation is less than BFE2, use Pre-FIRM rate table with enclosure category.
Post-FIRM Rating
Use Post-FIRM rate table with basement/enclosure category. If LF1 elevation is 1 or more feet below the BFE2, 
submit the application to the NFIP for a rate.

 
ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30


1    LF?Lowest Floor				4  HAG?Highest Adjacent Grade
2   BFE?Base Flood Elevation				5  See page LFG 1 for optional elevation rating
3   See page LFG 1 for explanation of proper openings	6  Non-elevated buildings with construction 
						    dates of October 1, 1981, and after are Submit-for-Rate

Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate
NOTE:  Above references may not apply to 
this page.

Building Description
Mobile home without enclosed area
Elevating Foundation of 
Building
Piers, posts, piles, or columns
Type of Enclosure
Vinyl skirting
Machinery or Equipment 
Servicing Building
With or without machinery or equipment below elevated floor
Lowest Floor for Rating
Top of lowest elevated floor
Application Should Show
Building Type? Mobile home
Is Building Elevated?? Yes
Is area below the elevated floor enclosed?? No
Pre-FIRM Rating5
If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate if favorable. Manufactured (Mobile) Home 
rates must be used. If LF1 elevation is less than BFE2, use Pre-FIRM rate table no basement/enclosure category.
Post-FIRM Rating
Use Post-FIRM Manufactured (Mobile) Home rates. If LF1 elevation is 1 or more feet below the BFE2, submit the 
application to the NFIP for a rate.


 
NON-ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO SEPTEMBER 30, 1981, 
IN FLOOD ZONES VE AND V1-V306

1    LF?Lowest Floor				4   HAG?Highest Adjacent Grade
2   BFE?Base Flood Elevation			5   See page LFG 1 for optional elevation rating
3  See page LFG 1 for explanation of proper openings	6   Non-elevated buildings with construction 
						    dates of October 1, 1981, and after are Submit-for-Rate


Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate

NOTE:  Above references may not apply to 
this page.

Building Description
One floor
No basement (See Elevation Certificate, Diagram 1)
Lowest Floor for Rating 
Bottom of slab
In V zones, the lowest floor for rating should reflect the bottom of the lowest horizontal structural member.  If the 
surveyor used item C3.a in lieu of C3.c of the Elevation Certificate, and the top of the bottom floor is at or above 
grade, deduct (for 1-4 family residences) 12 inches from the elevation figure found in item C3.a.  For buildings 
other than 1-4 family, deduct 18 inches from the elevation figure found in item C3.a.
Application Should Show
Building Type— One floor
Basement— None
Is Building Elevated?— No
Pre-FIRM Rating5
If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate if favorable. Use no 
basement/enclosure rate category. If LF1 elevation is less than the BFE2, use Pre-FIRM rate table no 
basement/enclosure category.
Post-FIRM Rating 1975 to
September 30, 1981
Construction Date
Use Post-FIRM '75-'81 VE, V1-V30 Zone no basement/enclosure rates. If LF1 elevation is 2 or more feet below 
the BFE2, submit the application to the NFIP for a rate.
 
NON-ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO SEPTEMBER 30, 1981, 
IN FLOOD ZONES VE AND V1-V306

1   LF?Lowest Floor					4  HAG?Highest Adjacent Grade
2   BFE?Base Flood Elevation			5  See page LFG 1 for optional elevation rating
3  See page LFG 1 for explanation of proper openings	6  Non-elevated buildings with construction 
						    dates of October 1, 1981, and after are Submit-for-Rate


Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate

NOTE:  Above references may not apply to 
this page.

Building Description
One floor with attached garage
Garage is at lower elevation than principal building area (See Elevation Certificate, Diagram 1)
Lowest Floor for Rating 
In V zones, the lowest floor for rating should reflect the bottom of the slab.  If the surveyor used item C3. a or d 
(attached garage/top of slab) in lieu of C3.c of the Elevation Certificate, and the top of the bottom floor is at or 
above the lowest adjacent grade (C3.f), deduct (for 1-4 family residences) 12 inches from the elevation figure 
found in item C3. a or d, whichever is lower.  For buildings other than 1-4 family, deduct 18 inches from the 
elevation figure found in item C3. a or d, whichever is lower.
Application Should Show
Building Type— One floor
Basement— None
Is Building Elevated?— No
Pre-FIRM Rating5
If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate if favorable. Use no 
basement/enclosure rate category. If LF1 elevation is less than the BFE2, use Pre-FIRM rate table no 
basement/enclosure category.
Post-FIRM Rating 1975 to
September 30, 1981
Construction Date
Use Post-FIRM '75-81 VE, V1-V30 Zone no basement/enclosure rates. If LF1 elevation is 2 or more feet below 
the BFE2, submit the application to the NFIP for a rate.

 
NON-ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 
TO SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1-V306

1   LF?Lowest Floor					4   HAG?Highest Adjacent Grade
2   BFE?Base Flood Elevation			5   See page LFG 1 for optional elevation rating
3  See page LFG 1 for explanation of proper openings	6   Non-elevated buildings with construction 
						    dates of October 1, 1981, and after are Submit-for-Rate


Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate

NOTE:  Above references may not apply to this 
page.

Building Description
Three floors
Finished basement (See Elevation Certificate, Diagram 2)
Lowest Floor for Rating 
Bottom of slab (basement)
In V zones, the lowest floor for rating should reflect the bottom of the lowest horizontal structural member.  If the 
surveyor used item C3.a in lieu of C3.c of the Elevation Certificate, and the top of the bottom floor is indicated in 
the Elevation Certificate, deduct (for 1-4 family residences) 12 inches from the elevation figure found in item 
C3.a.  For buildings other than 1-4 family, deduct 18 inches from the elevation figure found in item C3.a.
Application Should Show
Building Type— Three or more floors
Basement— Finished
Is Building Elevated?— No
Pre-FIRM Rating5
If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate if favorable. Use with 
basement/enclosure rate category. If LF1 elevation is less than the BFE2, use Pre-FIRM rate table with 
basement category.
Post-FIRM Rating 1975 to
September 30, 1981
Construction Date
Use Post-FIRM '75-'81 VE, V1-V30 Zone with basement/enclosure rates. If LF1 elevation is 2 or more feet 
below the BFE2, submit the application to the NFIP for a rate.




 
NON-ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO SEPTEMBER 30, 1981, 
IN FLOOD ZONES VE AND V1-V306

1    LF?Lowest Floor				4   HAG?Highest Adjacent Grade
2   BFE?Base Flood Elevation			5   See page LFG 1 for optional elevation rating
3   See page LFG 1 for explanation of proper openings	6   Non-elevated buildings with construction 
						    dates of October 1, 1981, and after are Submit-for-Rate



Letters and numbers in parentheses, as "(C3.a)," 
correspond to Section C of the Elevation Certificate

NOTE:  Above references may not apply to 
this page.

Building Description
Split level
Unfinished basement (See Elevation Certificate, Diagram 4)
Lowest Floor for Rating 
Bottom of slab (basement)
In V zones, the lowest floor for rating should reflect the bottom of the lowest horizontal structural member.  If the 
surveyor used item C3.a in lieu of C3.c of the Elevation Certificate, and the top of the bottom floor is indicated in 
the Elevation Certificate, deduct (for 1-4 family residences) 12 inches from the elevation figure found in item C3.a.  
For buildings other than 1-4 family, deduct 18 inches from the elevation figure found in item C3.a.
Application Should Show
Building Type— Split level
Basement— Unfinished
Is Building Elevated?— No
Pre-FIRM Rating5
If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate if favorable. Use with 
basement/enclosure rate category. If LF1 elevation is less than the BFE2, use Pre-FIRM rate table with 
basement category.
Post-FIRM Rating 1975 to
September 30, 1981
Construction Date
Use Post-FIRM '75-'81 VE, V1-V30 Zone with basement/enclosure rates. If LF1 elevation is 2 or more feet 
below the BFE2, submit the application to the NFIP for a rate.


 
U.	ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975
V.	TO SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1-V30

1    LF?Lowest Floor				4  HAG?Highest Adjacent Grade
2   BFE?Base Flood Elevation				5  See page LFG 1 for optional elevation rating
3   See page LFG 1 for explanation of proper openings	6  Non-elevated buildings with construction 
						    dates of October 1, 1981, and after are Submit-for-Rate


Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate

NOTE:  Above references may not apply to this page.

Building Description
Two floors with walkout at ground level
Lower floor is not below grade on all sides
Principal use of the building is on the elevated floor (See Elevation Certificate, Diagram 7)
Elevating Foundation of 
Building
Solid perimeter walls
Type of Enclosure
Finished or unfinished lower level
Machinery or Equipment 
Servicing Building
With or without machinery or equipment below elevated floor
Lowest Floor for Rating
Bottom of slab
In V zones, the lowest floor for rating should reflect the bottom of the lowest horizontal structural member.  If the 
surveyor used item C3.a in lieu of C3.c of the Elevation Certificate, and the top of the bottom floor is at or above 
the lowest adjacent grade (C3.f), deduct (for 1-4 family residences) 12 inches from the elevation figure found in 
item C3.a.  For buildings other than 1-4 family, deduct 18 inches from the elevation figure found in item C3.a.
Application Should Show
Building Type — Two floors
Is Building Elevated? — Yes
Is area below the elevated floor enclosed? — Yes
Pre-FIRM Rating5
If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate if favorable. Use with 
basement/enclosure rate category. If LF1 elevation is less than BFE2, use Pre-FIRM rate table with enclosure 
category.
Post-FIRM Rating
Use Post-FIRM rate table with basement/enclosure category. If LF1 elevation is 1 or more feet below the BFE2, 
submit the application to the NFIP for a rate.


 
ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO SEPTEMBER 30, 1981, 
IN FLOOD ZONES VE AND V1-V30

1   LF?Lowest Floor					4  HAG?Highest Adjacent Grade
2  BFE?Base Flood Elevation				5  See page LFG 1 for optional elevation rating
3  See page LFG 1 for explanation of proper openings	6  Non-elevated buildings with construction 
						    dates of October 1, 1981, and after are Submit-for-Rate


Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate

NOTE:  Above references may not apply to 
this page.

Building Description
One floor without enclosed area (See Elevation Certificate, Diagram 5)
Elevating Foundation of 
Building
Piers, posts, piles, or columns
Type of Enclosure
The space below the lowest elevated floor either has no enclosure or has:
(1) Insect screening, provided that no additional supports are required for the screening; or
(2) Wooden or plastic lattice with at least 40 percent of its area open and made of material no thicker than ½ inch; 
or
(3) Wooden or plastic slats or shutters with at least 40 percent of their area open and made of material no thicker 
than 1 inch.
Any of these systems must be designed and installed to collapse under stress without jeopardizing the structural 
support of the building, so that the impact on the building of abnormally high tides or wind-driven water is 
minimized. Any machinery or equipment below the lowest elevated floor must be at or above the BFE.

Machinery or Equipment 
Servicing Building
With or without machinery or equipment below elevated floor
Lowest Floor for Rating 
Bottom of lowest horizontal structural member
Application Should Show
Building Type— One floor
Is Building Elevated?— Yes
Is area below the elevated floor enclosed?— No
Pre-FIRM Rating5
If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate if favorable. Use no 
basement/enclosure rate category. If LF1 elevation is less than BFE2, use Pre-FIRM rate table no 
basement/enclosure category.
Post-FIRM Rating
Use Post-FIRM '75-'81 VE, V1-V30 Zone no basement/enclosure rates. If LF1 elevation is 2 or more feet below 
the BFE2, submit the application to the NFIP for a rate.

 
ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975
TO SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1-V30


1    LF?Lowest Floor				4  HAG?Highest Adjacent Grade
2   BFE?Base Flood Elevation				5  See page LFG 1 for optional elevation rating
3   See page LFG 1 for explanation of proper openings	6  Non-elevated buildings with construction 
						    dates of October 1, 1981, and after are Submit-for-Rate

Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate
NOTE:  Above references may not apply to 
this page.

Building Description
Mobile home without enclosed area
Elevating Foundation of 
Building
Piers, posts, piles, or columns
Type of Enclosure
Vinyl skirting
Machinery or Equipment 
Servicing Building
With or without machinery or equipment below elevated floor
Lowest Floor for Rating
Bottom of lowest horizontal structural member
Application Should Show
Building Type? Mobile home
Is Building Elevated?? Yes
Is area below the elevated floor enclosed?? No
Pre-FIRM Rating5
If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate if favorable. Manufactured (Mobile) Home 
rates must be used.  If LF1 elevation is less than the BFE2, use Pre-FIRM rate table no basement/enclosure 
category.
Post-FIRM Rating
Use Post-FIRM '75-'81 VE, V1-V30 zone Manufactured (Mobile) Home rates.  If LF1 elevation is 1 or more feet 
below the BFE2, submit the application to the NFIP for a rate.
 
ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO SEPTEMBER 30, 1981, 
IN FLOOD ZONES VE AND V1-V30

1   LF?Lowest Floor					4  HAG?Highest Adjacent Grade
2  BFE?Base Flood Elevation				5  See page LFG 1 for optional elevation rating
3  See page LFG 1 for explanation of proper openings	6  Non-elevated buildings with construction 
						    dates of October 1, 1981, and after are Submit-for-Rate


Letters and numbers in parentheses, as "(C3.a)," 
correspond to Section C of the Elevation Certificate

NOTE:  Above references may not apply to 
this page.

Building Description
One floor and unfinished enclosed area (See Elevation Certificate, Diagram 6)
Elevating Foundation of 
Building
Piers, posts, piles, or columns
Type of Enclosure
Enclosure (total area less than 300 sq. ft.) with breakaway walls 
Machinery or Equipment 
Servicing Building
No machinery or equipment below elevated floor
Lowest Floor for Rating 
Bottom of lowest horizontal structural member

Application Should Show
Building Type— One floor
Is Building Elevated?— Yes
Is area below the elevated floor enclosed?— No
Pre-FIRM Rating5
If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate if favorable. Use no basement/enclosure 
rate category. If LF1 elevation is less than BFE2, use Pre-FIRM rate table with enclosure category and describe 
the building as an elevated building with enclosure.
Post-FIRM Rating
Use Post-FIRM '75-'81 VE, V1-V30 Zone no basement/enclosure rate category. If LF1 elevation is 2 or more feet 
below the BFE2, submit the application to the NFIP for a rate.

 
ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO SEPTEMBER 30, 1981, 
IN FLOOD ZONES VE AND V1-V30

1   LF?Lowest Floor					4  HAG?Highest Adjacent Grade
2  BFE?Base Flood Elevation				5  See page LFG 1 for optional elevation rating
3  See page LFG 1 for explanation of proper openings	6  Non-elevated buildings with construction 
						    dates of October 1, 1981, and after are Submit-for-Rate


Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate

NOTE:  Above references may not apply to 
this page.

Building Description
One floor and unfinished enclosed area (See Elevation Certificate, Diagram 6)
Elevating Foundation of 
Building
Piers, posts, piles, or columns
Type of Enclosure
Enclosure (total area less than 300 sq. ft.) with breakaway walls
Machinery or Equipment 
Servicing Building
With machinery or equipment below elevated floor
Lowest Floor for Rating 
Bottom of slab
In V zones, the lowest floor for rating should reflect the bottom of the lowest horizontal structural member.  If the 
surveyor used item C3.a in lieu of C3.c of the Elevation Certificate, and the top of the bottom floor is at or above 
the lowest adjacent grade (C3.f), deduct (for 1-4 family residences) 12 inches from the elevation figure found in 
item C3.a.  For buildings other than 1-4 family, deduct 18 inches from the elevation figure found in item C3.a.
Application Should Show
Building Type— Two floors
Is Building Elevated?— Yes
Is area below the elevated floor enclosed?— Yes
Pre-FIRM Rating5
If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate if favorable. Use with 
basement/enclosure rate category. If LF1 elevation is less than BFE2, use Pre-FIRM rate table with enclosure 
category.
Post-FIRM Rating
Use Post-FIRM '75-'81 VE, V1-V30 Zone with basement/enclosure rate category. If LF1 elevation is 1 or more 
feet below the BFE2, submit the application to the NFIP for a rate.
 
ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO SEPTEMBER 30, 1981, 
IN FLOOD ZONES VE AND V1-V30

1   LF?Lowest Floor					4  HAG?Highest Adjacent Grade
2  BFE?Base Flood Elevation				5  See page LFG 1 for optional elevation rating
3  See page LFG 1 for explanation of proper openings	6  Non-elevated buildings with construction 
						    dates of October 1, 1981, and after are Submit-for-Rate


Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate

NOTE:  Above references may not apply to 
this page.

Building Description
One floor and finished or unfinished enclosed area (See Elevation Certificate, Diagram 6)
Elevating Foundation of 
Building
Piers, posts, piles, or columns
Type of Enclosure
Enclosure (total area 300 sq. ft. or more) with nonbreakaway walls or with breakaway walls 
Machinery or Equipment 
Servicing Building
With or without machinery or equipment below elevated floor
Lowest Floor for Rating 
Bottom of slab
In V zones, the lowest floor for rating should reflect the bottom of the lowest horizontal structural member.  If the 
surveyor used item C3.a in lieu of C3.c of the Elevation Certificate, and the top of the bottom floor is at or above 
the lowest adjacent grade (C3.f), deduct (for 1-4 family residences) 12 inches from the elevation figure found in 
item C3.a.  For buildings other than 1-4 family, deduct 18 inches from the elevation figure found in item C3.a.
Application Should Show
Building Type— Two floors
Is Building Elevated?— Yes
Is area below the elevated floor enclosed?— Yes
Pre-FIRM Rating5
If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate if favorable. Use with 
basement/enclosure rate category. If LF1 elevation is less than BFE2, use Pre-FIRM rate table with enclosure 
category.
Post-FIRM Rating
Use Post-FIRM '75-'81 VE, V1-V30 Zone with basement/enclosure rate category. If LF1 elevation is 1 or more 
feet below the BFE2, submit the application to the NFIP for a rate.
 
ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO SEPTEMBER 30, 1981, 
IN FLOOD ZONES VE AND V1-V30

1   LF?Lowest Floor					4  HAG?Highest Adjacent Grade
2  BFE?Base Flood Elevation				5  See page LFG 1 for optional elevation rating
3  See page LFG 1 for explanation of proper openings	6  Non-elevated buildings with construction 
						    dates of October 1, 1981, and after are Submit-for-Rate


Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate

NOTE:  Above references may not apply to 
this page.

Building Description
One floor and finished or unfinished enclosed area (See Elevation Certificate, Diagram 6)
Elevating Foundation of 
Building
Shear walls parallel to the expected flow of floodwaters
Type of Enclosure
Both ends enclosed with nonbreakaway walls or breakaway walls (total enclosed area 300 sq. ft. or more)
Machinery or Equipment 
Servicing Building
With or without machinery or equipment below elevated floor
Lowest Floor for Rating 
Bottom of slab
In V zones, the lowest floor for rating should reflect the bottom of the lowest horizontal structural member.  If the 
surveyor used item C3.a in lieu of C3.c of the Elevation Certificate, and the top of the bottom floor is at above the 
lowest adjacent grade (C3.f), deduct (for 1-4 family residences) 12 inches from the elevation figure found in item 
C3.a.  For buildings other than 1-4 family, deduct 18 inches from the elevation figure found in item C3.a.
Application Should Show
Building Type— Two floors
Is Building Elevated?— Yes
Is area below the elevated floor enclosed?— Yes
Pre-FIRM Rating5
If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate if favorable. Use with 
basement/enclosure rate category. If LF1 elevation is less than BFE2, use Pre-FIRM rate table with enclosure 
category.
Post-FIRM Rating
Use Post-FIRM '75-'81 VE, V1-V30 Zone with basement/enclosure rate category. If LF1 elevation is 1 or more 
feet below the BFE2, submit the application to the NFIP for a rate.
 
ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO SEPTEMBER 30, 1981, 
IN FLOOD ZONES VE AND V1-V30

1   LF?Lowest Floor					4  HAG?Highest Adjacent Grade
2  BFE?Base Flood Elevation				5  See page LFG 1 for optional elevation rating
3  See page LFG 1 for explanation of proper openings	6  Non-elevated buildings with construction 
						    dates of October 1, 1981, and after are Submit-for-Rate


Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate

NOTE:  Above references may not apply to 
this page.

Building Description
One floor and finished or unfinished enclosed area (See Elevation Certificate, Diagram 7)
Elevating Foundation of 
Building
Solid perimeter load-bearing walls
Type of Enclosure
Finished or unfinished enclosure
Machinery or Equipment 
Servicing Building
With or without machinery or equipment below elevated floor
Lowest Floor for Rating 
Bottom of slab
In V zones, the lowest floor for rating should reflect the bottom of the lowest horizontal structural member.  If the 
surveyor used item C3.a in lieu of C3.c of the Elevation Certificate, and the top of the bottom floor is at or above 
the lowest adjacent grade (C3.f), deduct (for 1-4 family residences) 12 inches from the elevation figure found in 
item C3.a.  For buildings other than 1-4 family, deduct 18 inches from the elevation figure found in item C3.a.
Application Should Show
Building Type— Two floors
Is Building Elevated?— Yes
Is area below the elevated floor enclosed?— Yes
Pre-FIRM Rating5
If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate if favorable. Use with 
basement/enclosure rate category. If LF1 elevation is less than BFE2, use Pre-FIRM rate table with enclosure 
category.
Post-FIRM Rating
Use Post-FIRM '75-'81 VE, V1-V30 Zone with basement/enclosure rate category. If LF1 elevation is 1 or more 
feet below the BFE2, submit the application to the NFIP for a rate.
 
ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO SEPTEMBER 30, 1981, 
IN FLOOD ZONES VE AND V1-V30

1   LF?Lowest Floor					4  HAG?Highest Adjacent Grade
2  BFE?Base Flood Elevation				5  See page LFG 1 for optional elevation rating
3  See page LFG 1 for explanation of proper openings	6  Non-elevated buildings with construction 
						    dates of October 1, 1981, and after are Submit-for-Rate


Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate

NOTE:  Above references may not apply to 
this page.

Building Description
Two floors with crawl space (See Elevation Certificate, Diagram 8)
Elevating Foundation of 
Building
Solid perimeter load-bearing walls
Type of Enclosure
Unfinished crawl space
Machinery or Equipment 
Servicing Building
With or without machinery or equipment below elevated floor
Lowest Floor for Rating 
Top of the bottom floor (crawl space)

Application Should Show
Building Type— Three or more floors
Is Building Elevated?— Yes
Is area below the elevated floor enclosed?— Yes

Pre-FIRM Rating5
If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate if favorable. Use with 
basement/enclosure rate category. If LF1 elevation is less than BFE2, use Pre-FIRM rate table with enclosure 
category.
Post-FIRM Rating
Use Post-FIRM '75-'81 VE, V1-V30 Zone with basement/enclosure rate category. If LF1 elevation is 1 or more 
feet below the BFE2, submit the application to the NFIP for a rate.
 
ELEVATED BUILDINGS
POST-FIRM RISKS IN FLOOD ZONES VE AND V1-V30— CONSTRUCTION DATE OCTOBER 1, 1981, 
AND AFTER

1   LF?Lowest Floor					4  HAG?Highest Adjacent Grade
2  BFE?Base Flood Elevation				5  See page LFG 1 for optional elevation rating
3  See page LFG 1 for explanation of proper openings	6  Non-elevated buildings with construction 
						    dates of October 1, 1981, and after are Submit-for-Rate



Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate
NOTE:  Above references may not apply to 
this page.

Building Description
One floor without enclosed area (See Elevation Certificate, Diagram 5)
Elevating Foundation of 
Building
Piers, posts, piles, or columns
Type of Enclosure
The space below the lowest elevated floor either has no enclosure or has:
(1) Insect screening, provided that no additional supports are required for the screening; or
(2) Wooden or plastic lattice with at least 40 percent of its area open and made of material no thicker than ½ inch; 
or
(3) Wooden or plastic slats or shutters with at least 40 percent of their area open and made of material no thicker 
than 1 inch.
Any of these systems must be designed and installed to collapse under stress without jeopardizing the structural 
support of the building, so that the impact on the building of abnormally high tides or wind-driven water is 
minimized. Any machinery or equipment below the lowest elevated floor must be at or above the BFE.

Machinery or Equipment 
Servicing Building
No machinery or equipment below elevated floor
Lowest Floor for Rating 
Bottom of lowest horizontal structural member

Application Should Show
Building Type— One floor
Is Building Elevated?— Yes
Is area below the elevated floor enclosed?— No
V-Zone Rating;
Construction Date
October 1, 1981 and After
Use 1981 Post-FIRM V1-V30, VE Zone Free of Obstruction rates. If LF1 elevation is 4 or more feet below the 
BFE2, submit the application to the NFIP for a rate.
 
ELEVATED BUILDINGS
POST-FIRM RISKS IN FLOOD ZONES VE AND V1-V30— CONSTRUCTION DATE OCTOBER 1, 1981, 
AND AFTER

1   LF?Lowest Floor					4  HAG?Highest Adjacent Grade
2  BFE?Base Flood Elevation				5  See page LFG 1 for optional elevation rating
3  See page LFG 1 for explanation of proper openings	6  Non-elevated buildings with construction 
						    dates of October 1, 1981, and after are Submit-for-Rate



Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate
NOTE:  Above references may not apply to 
this page.
Building Description
One floor without enclosed area (See Elevation Certificate, Diagram 5)
Elevating Foundation of 
Building
Piers, posts, piles, or columns
Type of Enclosure
No enclosure or open-wood latticework or insect screening
Machinery or Equipment 
Servicing Building
With machinery or equipment at or above BFE
Lowest Floor for Rating 
Bottom of lowest horizontal structural member

Application Should Show
Building Type— One floor
Is Building Elevated?— Yes
Is area below the elevated floor enclosed?— No
V-Zone Rating;
Construction Date
October 1, 1981 and After
Use 1981 Post-FIRM V1-V30, VE Zone Free of Obstruction rates. If LF1 elevation is 4 or more feet below the 
BFE2, submit the application to the NFIP for a rate.
 
ELEVATED BUILDINGS
POST-FIRM RISKS IN FLOOD ZONES VE AND V1-V30— CONSTRUCTION DATE OCTOBER 1, 1981, 
AND AFTER

1   LF?Lowest Floor					4  HAG?Highest Adjacent Grade
2  BFE?Base Flood Elevation				5  See page LFG 1 for optional elevation rating
3  See page LFG 1 for explanation of proper openings	6  Non-elevated buildings with construction 
						    dates of October 1, 1981, and after are Submit-for-Rate



Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate
NOTE:  Above references may not apply to 
this page.
Building Description
One floor and unfinished enclosed area (See Elevation Certificate, Diagram 6)
Elevating Foundation of 
Building
Piers, posts, piles, or columns
Type of Enclosure
Enclosure (total area less than 300 sq. ft.) with breakaway walls
Machinery or Equipment 
Servicing Building
Without machinery or equipment below elevated floor
Lowest Floor for Rating 
Bottom of lowest horizontal structural member

Application Should Show
Building Type— Two floors
Is Building Elevated?— Yes
Is area below the elevated floor enclosed?— Yes
V-Zone Rating;
Construction Date
October 1, 1981 and After
Use 1981 Post-FIRM V1-V30, VE Zone With Obstruction rates. If LF1 elevation is 4 or more feet below the 
BFE2, submit the application to the NFIP for a rate.
 
ELEVATED BUILDINGS
POST-FIRM RISKS IN FLOOD ZONES VE AND V1-V30— CONSTRUCTION DATE OCTOBER 1, 1981, 
AND AFTER

1  LF?Lowest Floor					4  HAG?Highest Adjacent Grade
2  BFE?Base Flood Elevation				5  See page LFG 1 for optional elevation rating
3 See page LFG 1 for explanation of proper openings	6  Non-elevated buildings with construction 
						    dates of October 1, 1981, and after are Submit-for-Rate


Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate
NOTE:  Above references may not apply to 
this page.

Building Description
One floor and unfinished enclosed area (See Elevation Certificate, Diagram 6)
Elevating Foundation of 
Building
Piers, posts, piles, or columns
Type of Enclosure
Enclosure (total area less than 300 sq. ft.) with breakaway walls
Machinery or Equipment 
Servicing Building
With machinery or equipment below BFE
Lowest Floor for Rating 
Bottom of slab
In V zones, the lowest floor for rating should reflect the bottom of the lowest horizontal structural member.  If the 
surveyor used item C3.a in lieu of C3.c of the Elevation Certificate, and the top of the bottom floor is at or above 
the lowest adjacent grade, deduct (for 1-4 family residences) 12 inches from the elevation figure found in item 
C3.a.  For buildings other than 1-4 family, deduct 18 inches from the elevation figure found in item C3.a.
Application Should Show
Building Type— Two floors
Is Building Elevated?— Yes
Is area below the elevated floor enclosed?— Yes
V-Zone Rating;
Construction Date
October 1, 1981 and After
Submit the application to the NFIP for a rate.
 
ELEVATED BUILDINGS
POST-FIRM RISKS IN FLOOD ZONES VE AND V1-V30— CONSTRUCTION DATE OCTOBER 1, 1981, 
AND AFTER

1   LF?Lowest Floor					4  HAG?Highest Adjacent Grade
2  BFE?Base Flood Elevation				5  See page LFG 1 for optional elevation rating
3  See page LFG 1 for explanation of proper openings	6  Non-elevated buildings with construction 
						    dates of October 1, 1981, and after are Submit-for-Rate


Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate
NOTE:  Above references may not apply to 
this page.

Building Description
One floor and finished or unfinished enclosed area (See Elevation Certificate, Diagram 6)
Elevating Foundation of 
Building
Piers, posts, piles, or columns
Type of Enclosure
Enclosure (total area 300 sq. ft. or more) with nonbreakaway walls or breakaway walls 
Machinery or Equipment 
Servicing Building
With or without machinery or equipment below elevated floor
Lowest Floor for Rating 
Bottom of slab
In V zones, the lowest floor for rating should reflect the bottom of the lowest horizontal structural member.  If the 
surveyor used item C3.a in lieu of C3.c of the Elevation Certificate, and the top of the bottom floor is at or above 
the lowest adjacent grade (C3.f), deduct (for 1-4 family residences) 12 inches from the elevation figure found in 
item C3.a.  For buildings other than 1-4 family, deduct 18 inches from the elevation figure found in item C3.a.
Application Should Show
Building Type— Two floors
Is Building Elevated?— Yes
Is area below the elevated floor enclosed?— Yes
V-Zone Rating;
Construction Date
October 1, 1981 and After
Submit the application to the NFIP for a rate.

 
ELEVATED BUILDINGS
POST-FIRM RISKS IN FLOOD ZONES VE AND V1-V30— CONSTRUCTION DATE OCTOBER 1, 1981, 
AND AFTER 

1   LF?Lowest Floor					4  HAG?Highest Adjacent Grade
2  BFE?Base Flood Elevation				5  See page LFG 1 for optional elevation rating
3  See page LFG 1 for explanation of proper openings	6  Non-elevated buildings with construction 
						    dates of October 1, 1981, and after are Submit-for-Rate


Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate
NOTE:  Above references may not apply to 
this page.

Building Description
One floor and finished or unfinished enclosed area (See Elevation Certificate, Diagram 6)
Elevating Foundation of 
Building
Shear walls parallel to the expected flow of floodwaters
Type of Enclosure
Both ends enclosed with breakaway walls (total enclosed area 300 sq. ft. or more)
Machinery or Equipment 
Servicing Building
With or without machinery or equipment below elevated floor
Lowest Floor for Rating 
Bottom of slab
In V zones, the lowest floor for rating should reflect the bottom of the lowest horizontal structural member.  If the 
surveyor used item C3.a in lieu of C3.c of the Elevation Certificate, and the top of the bottom floor is at or above 
the lowest adjacent grade (C3.f), deduct (for 1-4 family residences) 12 inches from the elevation figure found in 
item C3.a.  For buildings other than 1-4 family, deduct 18 inches from the elevation figure found in item C3.a.
Application Should Show
Building Type— Two floors
Is Building Elevated?— Yes
Is area below the elevated floor enclosed?— Yes
V-Zone Rating;
Construction Date
October 1, 1981 and After
Submit the application to the NFIP for a rate.
 
ELEVATED BUILDINGS
POST-FIRM RISKS IN FLOOD ZONES VE AND V1-V30— CONSTRUCTION DATE OCTOBER 1, 1981, 
AND AFTER 

1   LF?Lowest Floor					4  HAG?Highest Adjacent Grade
2  BFE?Base Flood Elevation				5  See page LFG 1 for optional elevation rating
3  See page LFG 1 for explanation of proper openings	6  Non-elevated buildings with construction 
						    dates of October 1, 1981, and after are Submit-for-Rate


Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate

NOTE:  Above references may not apply to 
this page.

Building Description
One floor and finished or unfinished enclosed area (See Elevation Certificate, Diagram 7)
Elevating Foundation of 
Building
Solid perimeter load-bearing walls
Type of Enclosure
Finished or unfinished enclosure
Machinery or Equipment 
Servicing Building
With or without machinery or equipment below elevated floor
Lowest Floor for Rating 
Bottom of slab
In V zones, the lowest floor for rating should reflect the bottom of the lowest horizontal structural member.  If the 
surveyor used item C3.a in lieu of C3.c of the Elevation Certificate, and the top of the bottom floor is at or above 
the lowest adjacent grade (C3.f), deduct (for 1-4 family residences) 12 inches from the elevation figure found in 
item C3.a.  For buildings other than 1-4 family, deduct 18 inches from the elevation figure found in item C3.a.
Application Should Show
Building Type— Two floors
Is Building Elevated?— Yes
Is area below the elevated floor enclosed?— Yes
V-Zone Rating;
Construction Date
October 1, 1981 and After
Submit the application to the NFIP for a rate.
 
ELEVATED BUILDINGS
POST-FIRM RISKS IN FLOOD ZONES VE AND V1-V30— CONSTRUCTION DATE OCTOBER 1, 1981, 
AND AFTER 

1   LF?Lowest Floor					4  HAG?Highest Adjacent Grade
2  BFE?Base Flood Elevation				5  See page LFG 1 for optional elevation rating
3  See page LFG 1 for explanation of proper openings	6  Non-elevated buildings with construction 
						    dates of October 1, 1981, and after are Submit-for-Rate


Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate
NOTE:  Above references may not apply to 
this page.
Building Description
Two floors with crawl space (See Elevation Certificate, Diagram 8)
Elevating Foundation of 
Building
Solid perimeter load-bearing walls
Type of Enclosure
Unfinished crawl space
Machinery or Equipment 
Servicing Building
With or without machinery or equipment below elevated floor
Lowest Floor for Rating 
Top of the bottom floor (crawl space)

Application Should Show
Building Type— Three or more floors
Is Building Elevated?— Yes
Is area below the elevated floor enclosed?— Yes
V-Zone Rating;
Construction Date
October 1, 1981 and After
Submit the application to the NFIP for a rate.


SPECIAL CERTIFICATIONS



This section presents detailed instructions for 
the completion of the National Flood Insurance 
Program (NFIP) Elevation Certificate and the 
NFIP Floodproofing Certificates.

NOTE:	When determining the lowest floor for 
rating, refer to the Lowest Floor Guide 
section of this manual.

XIII.	NFIP ELEVATION CERTIFICATE

The current NFIP Elevation Certificate (EC) 
became effective on August 1, 1999. Its use 
became mandatory on October 1, 2000. Since 
that date, the old EC has not been acceptable 
for rating policies unless it was completed and 
certified before October 1, 2000. The current EC 
and Instructions are reproduced on pages 
CERT 9-19.

Non-NFIP elevation certification forms certified 
on or after October 1, 2000, do not satisfy NFIP 
requirements and cannot be used for rating 
policies.

An exception is made to this requirement when 
the community official completes the old 
Elevation Certificate with elevation data received 
by the community before October 1, 2000.  It 
must be noted in the Comments area of Section 
G of the Elevation Certificate that the community 
had the data on file before October 1, 2000.

Elevation Certificates are required on Post-FIRM 
construction, but are optional on Pre-FIRM 
construction. The Elevation Certificate is 
required by the NFIP to certify the lowest floor of 
a building so the policy can be properly rated, as 
follows:

?	All Post-FIRM structures
	
The Elevation Certificate is to be completed by a land 
surveyor, engineer, or architect who is authorized 
by state or local law to certify elevation information 
when it is required for Zones A1-A30, AE, AH, A 
(with Base Flood Elevations [BFEs]), V1-V30, VE, 
and V (with BFEs). Community officials who are 
authorized by local law or ordinance to provide 
floodplain management information may also 
complete this form. For Zones AO and A (without 
BFEs), a building official, a property owner, or an 
owner's representative may also provide the 
information on this certification. Building elevation 
information may be available through the 
community official if the community is a CRS 
participating community.
	
	The lowest adjacent grade and diagram number are 
required for all new business applications effective 
on or after October 1, 1997, if the elevation 
certification date is on or after October 1, 1997.
	
?	Pre-FIRM structures rated under Post-FIRM 
rates

	Pre-FIRM construction can be elevation rated using 
the Post-FIRM Elevation Certificate rates, which 
are more favorable rates if the lowest floor of the 
building is at or above the BFE for the community. 
In most cases, the lowest floor level of a Pre-FIRM 
building is below the BFE, and it would not benefit 
the insured to pay the cost for an Elevation 
Certificate in an attempt to secure a lower rate. The 
decision to obtain an Elevation Certificate and to 
request Post-FIRM rating of a Pre-FIRM building is 
an option of the insured.

?	AR and AR Dual Zones
	
	Elevation Certificates are optional on all Post- and 
Pre-FIRM construction located in AR and AR dual 
zones. The decision to obtain an Elevation 
Certificate and to request Post-FIRM rating is at the 
discretion of the insured. The new Elevation 
Certificate includes the AR and AR dual zone 
elevation requirements. 
	
	Detailed instructions for completion are included on the 
Elevation Certificate.
	
	The producer is to attach the original of the completed 
Elevation Certificate to the Application.  A photocopy 
is to be forwarded to the policyholder and a copy is 
retained by the producer.
	
XIV.	USING THE ELEVATION CERTIFICATE: 
SPECIAL CONSIDERATIONS

Section A – Property Owner Information

?	Section A of the EC includes the 
building use. This information is helpful in 
validating the data collected by the 
insurance agent, and the Flood Insurance 
Application information.



?	Latitude, longitude, and related information 
are requested but are optional.

The information found in Section A of the 
Elevation Certificate is critical, as it relates to the 
insured property.  Should information be missing 
from Section A of the Elevation Certificate (with 
the exception of optional longitude and latitude 
related information), the certificate must be 
returned to the surveyor, engineer, architect, or 
community official who executed the form. 
These individuals should be encouraged to fully 
complete Section A to avoid any delay in the 
effective date of the flood insurance policy.

Section B – Flood Insurance Rate Map (FIRM) 
Information

The Flood Insurance Rate Map (FIRM) 
information includes the following:

?	FIRM panel effective date and revised date;

?	Source of the BFE or base flood depth;

	NOTE:	The same elevation datum should 
be used in determining all 
certification elevations as was used 
in determining the BFE (i.e., NGVD 
1929 or NAVD 1988).

?	Coastal Barrier Resources System (CBRS) 
area or Otherwise Protected Area (OPA).

	NOTE:	Refer to the Coastal Barrier 
Resources System section of this 
manual for flood insurance 
coverage eligibility.

Section C – Building Elevation Information 
(Survey Required)

Responsibilities for building elevation 
information are as follows.

?	The surveyor, engineer, or architect is 
required to provide a number of elevations 
based on the building type selected.

?	From the elevations gathered, the insurance 
agent is required to determine the lowest 
floor for rating flood insurance.

As it relates to Section C of the Elevation 
Certificate, information found not to be 
applicable to the property being certified should 
be marked NA (not applicable) by the surveyor, 
engineer, or architect.  If any part of Section C is 
left blank, critically review it and contact the 
surveyor, engineer, or architect who completed 
the form and your company underwriter with any 
questions.

A parking area located beneath an elevated floor 
is not considered an attached garage.

Elevation(s) of machinery and equipment 
servicing the building (e.g., water heater, 
furnace, a/c compressor, heat pump, water 
pump) must be provided, regardless of its 
location, whether inside or outside of the 
building, elevated on a platform or non-elevated.

The surveyor, engineer, or architect may not be 
able to gain access to some crawl spaces to 
shoot the elevation of the crawl space floor. In 
this instance, Item C3.a may be left blank and 
the estimated measurements entered in the 
Comments area of Section D.

Elevations in Section C of the Elevation 
Certificate are based on feet, except in Puerto 
Rico, where the metric system is used.  The 
agent must convert any metric elevation 
readings into feet before calculating the flood 
insurance premium.

Section D – Surveyor, Engineer, or Architect 
Certification

?	Includes a comment section for providing 
additional information not collected in other 
parts of the certificate.

?	Validates the insured property address.

Section D is the surveyor's, engineer's, or 
architect's certification that the information 
provided in Sections A, B, and C of the Elevation 
Certificate is representative of the certifier's best 
efforts to interpret the data available. The 
surveyor's, engineer's, or architect's signature 
and identification number are required fields. 
Some States also may require a seal.

Section E – Building Elevation Information 
(Survey Not Required) for Zone AO and Zone A 
(Without BFE)

Information regarding building type (taken from 
the eight building diagrams), flood zone, and the 
elevation difference between the lowest floor 
and the highest adjacent grade next to the 
building is required.

For Zone A (without a FEMA-issued or 
community-issued BFE) and Zone AO, a 
property owner or owner's authorized 
representative may complete Sections A, B, and 
E of the Elevation Certificate.


Section F – Property Owner (or Owner's 
Representative) Certification

Address and other contact information about the 
property owner are requested in Section F. The 
party completing Sections A, B, C (Items C3.h 
and C3.i only), and E must execute Section F as 
well.

Section G – Community Information 
(Optional)

The local official who is authorized by law or 
ordinance to administer the community's 
floodplain management ordinance may transfer 
elevation information found on existing 
documentation (i.e., an older elevation 
certification form, or surveyor letterhead) to 
Section C of the current Elevation Certificate. 
The local official must then certify this 
information by fully completing Section G of the 
Elevation Certificate.  A statement advising 
FEMA of this transfer of information must be 
made in the comment section of the current 
Elevation Certificate. Section G may also be 
used to certify Item E4. of the Elevation 
Certificate.

XV.	FLOODPROOFING CERTIFICATE

CC.	Purpose and Eligibility

?	In certain circumstances, floodproofing may 
be permitted as an alternative to elevating to 
or above the Base Flood Elevation (BFE); 
however, a floodproofing design certification 
is required. Certified floodproofing may 
result in lower rates.

?	Non-residential buildings in any community, 
in all locations except in V-Zones, may be 
floodproofed in lieu of elevating. 

?	Residential buildings may be floodproofed 
only if they have basements, are located in 
Zones A1-A30, AE, AR, AR Dual, AO, and 
AH, and only if they are located in 
communities specifically approved and 
authorized by FEMA. A current list of 
approved communities appears on page 
CERT 4.

?	The allowable methods of floodproofing for 
non-residential buildings differ from those 
allowed for residential buildings. The specific 
requirements should be available from the 
local government.


B.	Specifications

The specifications for floodproofing ensure that the building is 
watertight without human intervention, its 
floodproofed walls will not collapse, and the floor 
at the base of the floodproofed walls will resist 
flotation during flooding conditions.

C.	Rating

In order to be eligible for lower rates, the insured must have a 
registered professional engineer or architect 
certify that the floodproofing conforms with the 
minimum floodproofing specifications of FEMA. 
This means that the building must be 
floodproofed to at least 1 foot above the BFE. If 
floodproofed to 1 foot above the BFE, flood 
depth, or comparable community approved 
floodplain management standards, it can then be 
treated for rating purposes as having a "0" 
elevation difference from the BFE. This 
certification must be submitted with the Flood 
Insurance Application.

To further illustrate, if the building is certified to be 
floodproofed to 2 feet above the BFE, flood 
depth, or comparable community approved 
floodplain management standards, whichever is 
highest, then it is credited for floodproofing and is 
to be treated for rating purposes as having a "+1" 
foot elevation.

See the Rating Section for special rating rules 
for Zones AO and AH.

D.	Certification

?	Residential Buildings (With Basements) 

The Residential Basement Floodproofing 
Certificate is available for residential 
buildings with basements located in Zones 
A1-A30, AE, AR, AR Dual, AO, AH, and A 
with estimated BFE and located in a FEMA- 
approved community that is listed on the 
next page. To receive credit for 
floodproofing, the completed certificate 
must be submitted.

?	Non-residential Buildings

A completed Floodproofing Certificate for 
Non-residential Structures is required for all 
such buildings in Regular Program 
communities, located in Zones A1-A30, AE, 
AR, AR Dual, AO, AH, and A with estimated 
BFE, in order to receive credit for 
floodproofing in lieu of elevation.



	APPROVED COMMUNITIES FOR RESIDENTIAL BASEMENT FLOODPROOFING 
RATING CREDIT


	STATE/COMMUNITY NAME
	EFFECTIVE
	DATE1

STATE/COMMUNITY NAME
	EFFECTIVE
	DATE1
Alaska

Fairbanks

Idaho

Ammon

Iowa

Clive
Independence
LaPorte City

Kansas

Colwich
Derby
Great Bend
Halstead
Lindsborg
Rossville
Salina
Saline County
Sedgwick

Minnesota

Alvarado
Clay County
Dilworth
East Grand Forks
Moorhead
Roseau, City of
Stephen
Warren

Nebraska

Fremont
Grand Island
Hall County
Hastings
North Bend
Schuyler
Sidney
Wood River


2/28/73 



6/8/90



4/24/81 
9/7/89
6/12/89 



1/17/86 
2/15/832
8/10/83 
7/8/83
11/7/94
2/18/92
3/6/86
1/14/86 
5/19/862



2/28/85 
3/28/75 
8/29/83 
5/15/862
2/12/76 
7/14/92
5/10/83 
9/24/82 



1/25/79 
7/29/80 
2/10/80 
7/8/83
10/15/98
9/17/91 
12/4/84 
1/12/82 
New York

Amherst
Clarence, Town of

North Dakota

Barnes Township
Casselton
Fargo
Grafton
Harwood
Harwood Township
Horace
Mapleton
Oxbow
Pleasant Township
Reed Township
Reiles Acres
Stanley Township
West Fargo

South Dakota

Madison

Wisconsin

Ashwaubenon
Brown County
Depere
Green Bay
Howard
Shiocton
Village of Allouez












11/20/78
08/01/00



1/22/82
6/18/81
3/26/752
5/21/81
12/19/85
1/22/82 
1/22/82 
1/22/822 
6/1/922
5/5/83
1/22/82 
8/23/82 
2/8/82
6/5/78



8/30/83 



10/27/78
2/21/792
10/27/78
10/27/78
10/27/78
8/1/98
1/11/932











1	Effective date corresponds to the date of the letter from FEMA that granted the community's exception 
request.
2	The date the community adopted floodproofing ordinances.






 





 















 














































PREFERRED RISK POLICY





I.	GENERAL DESCRIPTION 

The Preferred Risk Policy (PRP) offers low-cost 
coverage to owners and tenants of eligible 
buildings located in the moderate-risk B, C, and 
X Zones in NFIP Regular Program 
communities. 

The maximum one- to four-family residential 
coverage combination is $250,000 building and 
$100,000 contents. Up to $100,000 contents-
only coverage is available for other residential 
properties. The maximum non-residential cov- 
erage combination is $500,000 building and 
$500,000 contents.

Only one building can be insured per policy, and 
only one policy can be written on each building.

II.	ELIGIBILITY REQUIREMENTS

A.	Flood Zone

To be eligible for building/contents coverage or 
contents-only coverage under the PRP, the 
building must be in a B, C, or X Zone on the 
effective date of the policy. The flood map 
available at the time of the renewal offer 
determines a building's continued eligibility for 
the PRP. NFIP map grandfathering rules do not 
apply to the PRP.

B.	Occupancy

Combined building/contents 
amounts of insurance are 
available for owners of 
single-family, two- to four-
family, and non-residential 
properties. Combined building 
and contents coverage is not 
available for other 
residential. 

Contents-only coverage is 
available for tenants and 
owners of all eligible 
occupancies, except


when contents are located 
entirely in a basement.

C.	Loss History

A building's eligibility for the PRP is based on 
the preceding requirements and on the 
building's flood loss history. If one of the 
following conditions exists, regardless of any 
change(s) in ownership of the building, then the 
building is not eligible for the PRP:
?	2 flood insurance claim payments, each 
more than $1,000; or 
?	3 or more flood insurance claim payments, 
regardless of amount; or
?	2 Federal flood disaster relief payments 
(including loans and grants), each more than 
$1,000; or
?	3 Federal flood disaster relief payments 
(including loans and grants), regardless of 
amount; or
?	1 flood insurance claim payment and 1 
Federal flood disaster relief payment 
(including loans and grants), each more than 
$1,000.

D.	Exclusions

?	The PRP is not available in Special Flood 
Hazard Areas or in Emergency Program 
communities.
?	Other residential properties are 
not eligible for building 
coverage.
?	Contents located entirely in a basement 
are not eligible for contents-only coverage. 
However, contents located entirely in an 
enclosure are eligible.






THE PRP AT A GLANCE



POLICY TYPE
OCCUPANCY/MAXIMUM LIMITS

1-4 Family
Other Residential 
Non-Residential
Combined Building/
Contents
$250,000/
$100,000
No Coverage
$500,000/
$500,000
Contents Only
$100,000
$100,000
$500,000 


NOTES: Condominium associations are not eligible for the Preferred Risk 
Policy. Individual condominium units are not eligible unless they 
qualify under one of the exceptions on page PRP 2.


?	Condominium associations, unit owners, 
and their tenants are not eligible for the 
PRP, except for:
?	A townhouse/rowhouse building 
insured under the unit 
owner's name;
?	A detached, single-family 
dwelling insured under the 
unit owner's name.
?	Contents-only coverage for 
tenants occupying 
townhouse/rowhouse build-ings 
or detached, single-family 
dwellings.
?	Increased Cost of Compliance (ICC) 
coverage is not available for condominium 
units. (See footnote 3 on page PRP 3.)

XVI.	DOCUMENTATION

All Preferred Risk Policy new 
business applications must 
include documentation of 
eligibility for the PRP.  
Such applications must be 
accompanied by one of the 
following: 
?	A Letter of Map Amendment (LOMA)
?	A Letter of Map Revision (LOMR)
?	A Letter of Determination Review 
(LODR)
?	A copy of the most recent flood 
map marked to show the exact 
location and flood zone of the 
building
?	A letter indicating the exact 
location and flood zone of the 
building, and signed and dated 
by a local community official
?	An elevation certificate 
indicating the exact location 
and flood zone of the building, 
and signed and dated by a 
surveyor, engineer, architect, 
or local community official
?	A flood zone determination 
certification that guarantees 
the accuracy of the information.

An agent writing through a Write Your Own 
(WYO) company should contact that company 
for guidance.

XVII.	RENEWAL

An eligible risk renews automatically without 
submission of a new application. If, during a 
policy term, the risk fails to meet the eligibility 
requirements, it will be ineligible for renewal as 
a PRP. Such a risk must be nonrenewed or 
rewritten as a conventional Standard Flood 
Insurance Policy (SFIP).

XVIII.	COVERAGE LIMITS

The elevated building coverage limitation 
provisions do not apply to a policy written as a 
PRP.


VI.	REPLACEMENT COST COVERAGE

Replacement cost coverage applies only if the 
building is the principal residence of the insured 
and the building coverage chosen is at least 80 
percent of the replacement cost of the building 
at the time of the loss, or the maximum 
coverage available under the NFIP.

VII.	DISCOUNTS/FEES/ICC PREMIUM

?	No Community Rating System discount is 
associated with the PRP.
?	Probation fees will be charged.
?	The Federal Policy Fee of $11.00 is included 
in the premium and is not subject to 
commission.
?	The ICC premium is included.

XIX.	DEDUCTIBLES

The standard deductible for PRPs is $500. 
Optional deductibles are not available for PRPs.

XX.	ENDORSEMENTS

The PRP may be endorsed to:
?	Increase coverage mid-term, 
subject to the coverage limits 
in effect when the policy was 
issued or renewed. See page END 
5 for an example.
?	Correct misratings, such as 
incorrect building description 
or community number.

XXI.	CONVERSION OF STANDARD RATED 
POLICY TO PRP DUE TO MISRATING 
OR MAP REVISION

A policy written as a 
Standard B, C, or X Zone 
policy and later found to be 
eligible for a PRP may be 
endorsed or rewritten as a 
PRP for only the current 
policy term.

When the risk has been rated 
with other than B, C, or X 
Zone rates, but is later 
found to be in a B, C, or X 
Zone and eligible for a PRP, 
the writing company will be 
allowed to endorse or 
cancel/rewrite up to 6 years.

The policy may be 
cancelled/rewritten using 
Cancellation Reason Code 22 
if both of the following 
conditions are met:
?	The request to endorse or 
cancel/rewrite the policy is 
received during the current 
policy term.
?	The policy has no open claim or 
closed paid claim.


PRP COVERAGES AVAILABLE EFFECTIVE MAY 1, 2004

ONE- TO FOUR-FAMILY RESIDENTIAL
BUILDING AND CONTENTS COVERAGE COMBINATIONS1
With Basement or Enclosure
Without Basement or Enclosure
Building
Contents
Premium2,3
Building
Contents
Premium2,3
$  20,000
$    8,000
$137
$  20,000
$    8,000
$112
$  30,000
$  12,000
$163
$  30,000
$  12,000
$138
$  50,000
$  20,000
$205
$  50,000
$  20,000
$180
$  75,000
$  30,000
$232
$  75,000
$  30,000
$207
$100,000
$  40,000
$263
$100,000
$  40,000
$233
$125,000
$  50,000
$279
$125,000
$  50,000
$249
$150,000
$  60,000
$294
$150,000
$  60,000
$264
$200,000
$  80,000
$331
$200,000
$  80,000
$296
$250,000
$100,000
$352
$250,000
$100,000
$317

ALL RESIDENTIAL CONTENTS-ONLY COVERAGE1, 4
Contents Above Ground Level More Than One 
Floor
All Other Locations (Basement-Only Not 
Eligible)
Contents
Premium2
Contents
Premium2
$    8,000
$  39
$    8,000
$  61
$  12,000
$  53
$  12,000
$  86
$  20,000
$  81
$  20,000
$116
$  30,000
$  93
$  30,000
$131
$  40,000
$105
$  40,000
$146
$  50,000
$117
$  50,000
$156
$  60,000
$129
$  60,000
$166
$  80,000
$153
$  80,000
$181
$100,000
$177
$100,000
$196

NON-RESIDENTIAL BUILDING AND CONTENTS COVERAGE COMBINATIONS1
With Basement or Enclosure
Without Basement or Enclosure
Building
Contents
Premium2,3
Building
Contents
Premium2,3
$  50,000
$  50,000
$   800
$  50,000
$  50,000
$   500
$100,000
$100,000
$1,375
$100,000
$100,000
$   800
$150,000
$150,000
$1,850
$150,000
$150,000
$1,050
$200,000
$200,000
$2,200
$200,000
$200,000
$1,300
$250,000
$250,000
$2,500
$250,000
$250,000
$1,500
$300,000
$300,000
$2,800
$300,000
$300,000
$1,700
$350,000
$350,000
$3,100
$350,000
$350,000
$1,850
$400,000
$400,000
$3,350
$400,000
$400,000
$2,000
$500,000
$500,000
$3,850
$500,000
$500,000
$2,300

NON-RESIDENTIAL CONTENTS-ONLY COVERAGE1, 4
Contents Above Ground Level More Than One 
Floor
All Other Locations (Basement-Only Not 
Eligible)
Contents
Premium2
Contents
Premium2
$  50,000
$121
$  50,000
$   275
$100,000
$231
$100,000
$   500
$150,000
$321
$150,000
$   675
$200,000
$381
$200,000
$   850
$250,000
$441
$250,000
$1,000
$300,000
$501
$300,000
$1,150
$350,000
$561
$350,000
$1,300
$400,000
$621
$400,000
$1,450
$500,000
$741
$500,000
$1,700

1Add the $50.00 Probation Surcharge, if applicable.
2Premium includes Federal Policy Fee of $11.00.
3Premium includes ICC premium of $1.00. Deduct this amount if the risk is a townhouse/rowhouse 
condominium unit or a contents-only policy.
4Contents-only policies are not available for contents located in basement only.
NOTES: Condominium associations are not eligible for the Preferred Risk Policy. Individual condominium 
units are not eligible unless they qualify under one of the exceptions on page PRP 2.
The deductibles apply separately to building and contents. Building deductible, $500. Contents 
deductible, $500.


The new PRP building coverage will be equal 
either to the building limit issued under the 
Standard B, C, or X Zone policy or the next 
higher limit available under the PRP if there is 
no PRP option equal to the Standard B, C, or X 
Zone building limit.

XXII.	COMPLETING THE FLOOD INSURANCE 
PREFERRED RISK POLICY APPLICATION

A.	Policy Status

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

DD.	Policy Term

The PRP is available only for 1-year terms.

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

17.	Enter the policy effective date and policy 
expiration date (month-day-year). The 
effective date of the policy is determined by 
adding the appropriate waiting period to the 
date of application in the "Signature" 
section. The standard waiting period is 30 
days. Refer to the General Rules Section, 
page GR 7, for the applicable waiting 
period.

EE.	Agent Information

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

FF.	Insured's Mailing Address

18.	Enter the name, mailing address, city, 
state, ZIP Code, telephone number, and 
Social Security Number of the insured.

19.	If the insured's mailing address is a post 
office box or a rural route number, or if the 
address of the property to be insured is 
different from the mailing address, 
complete the "Property Location" section of 
the application.

GG.	Disaster Assistance

20.	Check YES if flood insurance is being 
required for disaster assistance. Enter the 
insured's case file number, Tax I.D. 
Number, or Social Security Number on the 
line for CASE FILE NUMBER.

21.	In the "Second Mortgagee or Other" block, 
identify the government (disaster) agency, 
and enter the complete name and mailing 
address of the disaster agency.

22.	If NO is checked, no other information is 
required.

HH.	First Mortgagee

Enter the name, mailing address, city, state, ZIP 
Code, telephone number, and fax number of the 
first mortgagee. Enter the loan number.

II.	Second Mortgagee or Other

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

24.	If more than one additional mortgagee or 
disaster assistance agency exists, provide 
the requested information on the producer's 
letterhead.

JJ.	Property Location

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

26.	If more than one building is at the location 
of the insured property, use this section to 
specifically identify the building to be 
insured. Briefly describe the building or 
submit a sketch showing the location of 
insured buildings to assist the NFIP in 
matching the policy number to the specific 
building insured.

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

28.	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.

KK.	Community

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

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

31.	Enter the community identification number, 
map panel number, and revision suffix for 
the community where the property is 
located. Community number and status 
may be obtained by calling the writing 
company, consulting a local community 
official, or referencing the NFIP Community 
Status Book online at
www.fema.gov/fema/csb.shtm.

32.	Enter the Flood Insurance Rate Map zone.

LL.	Building and Contents

Complete all required information in this section.

33.	Check building occupancy: Single Family, 
2-4 Family, Other Residential, or Non-
Residential (incl. Hotel/Motel).

34.	Enter date of construction.

35.	Check building type. If the building has a 
basement or enclosure, count the base-
ment or enclosure as a floor. If the building 
type is a manufactured (mobile) home/ 
travel trailer on foundation, enter the make, 
model, and serial number in the block at 
the bottom of this section.
4.	Check the "Y" box (YES) or the "N" box 
(NO) for "CONDO UNIT" and "TOWN-
HOUSE/ROWHOUSE CONDO UNIT."

5.	Check location of building's contents. 
(Contents located entirely in a basement 
are not eligible for contents-only coverage.)

6.	Check YES if the building is the insured's 
principal residence; otherwise, check NO.


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

MM.	Notice

If the answer to either question A or question B 
is YES, this risk is not eligible for the Preferred 
Risk Policy

NN.	Premium

7.	Enter the coverage selected, and the 
premium, from the appropriate table on the 
back of the application form.

8.	Add the $50.00 Probation Surcharge, if 
applicable. Deduct $1.00 if this is an 
application for a townhouse/rowhouse 
condominium unit.

OO.	Signature

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

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









MORTGAGE PORTFOLIO PROTECTION PROGRAM




XXIII.	BACKGROUND

The Mortgage Portfolio Protection Program 
(MPPP) was introduced on January 1, 
1991, as an additional tool to assist the 
mortgage lending and servicing industries 
in bringing their mortgage portfolios into 
compliance with the flood insurance 
requirements of the Flood Disaster 
Protection Act of 1973.

The MPPP is not intended to act as a 
substitute for the need for mortgagees to 
review all mortgage loan applications at the 
time of loan origination and comply with 
flood insurance requirements as 
appropriate.


Proper implementation of the various 
requirements of the MPPP usually results in 
mortgagors, after their notification of the 
need for flood insurance, either showing 
evidence of such a policy, or contacting 
their local insurance agent or appropriate 
Write Your Own (WYO) company to 
purchase the necessary coverage. It is 
intended that flood insurance policies be 
written under the MPPP only as a last 
resort, and only on mortgages whose 
mortgagors have failed to respond to the 
various notifications required by the MPPP.





MORTGAGE PORTFOLIO PROTECTION PROGRAM RATE AND
W.	INCREASED COST OF COMPLIANCE (ICC) TABLE


ZONE
MPPP  Rates per 
$100 of  Building 
Coverage
MPPP  Rates per 
$100 of  Contents 
Coverage
ICC Premium for 
$30,000 Coverage
A Zones - All building &
occupancy types,
except A99, AR, AR Dual 
Zones
2.40 / 1.20
2.50 / 1.20
75.00
V Zones - All building &
occupancy types
3.70 / 3.70
3.47 / 3.47
75.00

A99 Zone, AR, AR Dual Zones
.67 / .35
.89 / .35
6.00

NOTES:	(1)	ICC coverage does not apply to contents-only policies or to individually owned 
condominium units insured under the Dwelling Form or General Property Form.
	(2)	The ICC premium is not eligible for the deductible discount.  First calculate the deductible 
discount, then add in the ICC premium.


(3)	Add Federal Policy Fee and Probation Surcharge, if applicable, when computing the 
premium.
	(4)	MPPP policies are not eligible for Community Rating System premium discounts.




















XXIV.	REQUIREMENTS FOR 
PARTICIPATING IN THE MPPP

The following paragraphs represent the 
criteria and requirements that must be 
followed by all parties engaged in the sale 
of flood insurance under the National Flood 
Insurance Program's Mortgage Portfolio 
Protection Program.

A.	General	

1.	All mortgagors notified, in 
conjunction with this Program, of 
their need to purchase flood 
insurance must be encouraged to 
obtain a Standard Flood Insurance 
Policy (SFIP) from their local agent.

2.	When a mortgagee or a 
mortgage servicing company 
discovers, at any time following 
loan origination, that one or more 
of the loans in its portfolio is 
determined to be located in a 
Special Flood Hazard Area 
(SFHA), and that there is no 
evidence of flood insurance on 
such property(ies), then the 
MPPP may be used by such 
lender/servicer to obtain (force 
place) the required flood 
insurance coverage. The MPPP 
process can be accomplished 
with limited underwriting 
information and with special flat 
flood insurance rates.

3.	In the event of a loss, the policy 
will have to be reformed if the 
wrong rate has been applied for 
the zone in which the property is 
located. Also, the amount of 
coverage may have to be 
changed if the building 
occupancy does not support that 
amount.

4.	It will be the WYO company's 
responsibility to notify the 
mortgagor of all coverage limitations 
at the inception of coverage and to 
impose those 


limitations that are applicable at the 
time of loss adjustment. 

B.	WYO Arrangement 
Article III—Fees

With the implementation of the 
MPPP, there is no change in the 
method of WYO company allowance 
from that which is provided in the 
Financial Assistance/Subsidy Arrange-
ment for all flood insurance written.

C.	Use of WYO Company Fees for 
Lenders/Servicers or Others

1.	No portion of the allowance that a 
WYO company retains under the 
WYO Financial Assistance/ Subsidy 
Arrangement for the MPPP may be 
used to pay, reimburse or otherwise 
remunerate a lending institution, 
mortgage servicing company, or 
other similar type of company that 
the WYO company may work with 
to assist in its flood insurance 
compliance efforts.

2.	The only exception to this is a 
situation where the lender/ servicer 
may be actually due a commission 
on any flood insurance policies 
written on any portion of the 
institution's portfolio because it was 
written through a licensed property 
insurance agent on their staff or 
through a licensed insurance agency 
owned by the institution or servicing 
company.

D.	Notification

1.	WYO Company/Mortgagee— Any WYO 
company participating in the MPPP must notify 
the lender or servicer, for which it is providing the 
MPPP capability, of the requirements of the 
MPPP. The WYO company must obtain signed 
evidence from each such lender or servicer 
indicating their receipt 


of this information, and keep a copy in its files.

2.	Mortgagee to Mortgagor—In order to participate 
in the MPPP, the lender (or its authorized 
representative, which will typically be the WYO 
company providing the coverage through the 
MPPP) must notify the borrower of the following, 
at a minimum:

a.	The requirements of the 
Flood Disaster Protection 
Act of 1973,

b.	The flood zone location of 
the borrower's property,

c.	The requirement for flood 
insurance,

d.	The fact that the lender has 
no evidence of the 
borrower's having flood 
insurance,

e.	The amount of coverage 
being required and its cost 
under the MPPP, and 

f.	The options of the borrower 
for obtaining conventionally 
underwritten flood insurance 
coverage and the potential 
cost benefits of doing so.

A more detailed discussion of the 
notification requirements is made a 
part of this program document in 
Section O.

E.	Eligibility

1.	Type of Use—The MPPP will be 
allowed only in conjunction with 
mortgage portfolio reviews and the 
servicing of those portfolios by 
lenders and mortgage servicing 
companies. The MPPP is not 
allowed to be used in conjunction 
with any form of loan origination.

2.	Type of Property—The standard 
NFIP rules apply, and all types 
of property eligible for coverage 
under the NFIP will be eligible 
for coverage under the MPPP.

F.	Source of Offering

The force placement capability will 
be offered by the WYO companies 
only and not by the NFIP Servicing 
Agent.

G.	Dual Interest

The policy will be written covering 
the interest of both the mortgagee 
and the mortgagor. The name of the 
mortgagor must be included on the 
Application Form. It is not, however, 
necessary to include the mortgagee 
as a named insured because the 
Mortgage Clause (section VII.Q. of 
the Dwelling Form and the General 
Property Form) affords building 
coverage to any mortgagee named 
as mortgagee on the Flood 
Insurance Application. If contents 
coverage for the mortgagee is 
desired, the mortgagee should be 
included as a named insured.

H.	Term of Policy

NFIP policies written under the 
MPPP will be for a term of 1 year 
only (subject to the renewal 
notification process).

I.	Coverage Offered

Both building and contents coverage 
will be available under the MPPP. 
The coverage limits available under 
the Regular Program will be 
$250,000 for building coverage and 
$100,000 for contents. If the WYO 
company wishes to provide higher 
limits that are available to other 
occupancy types such as other 
residential or non-residential, it may 
do so only if it can indicate that 
occupancy type as appropriate. If 
the mortgaged property is in an 
Emergency Program community, 
then the coverage limits available 
will be $35,000 for building 
coverage and $10,000 for contents. 
Again, if the higher limits are desired 
for other types of property, then the 
building occupancy type must be 


provided at the inception of the 
policy or when that information may 
become available, but it must be 
prior to any loss.

J.	Policy Form

The current SFIP Dwelling Form 
and General Property Form will be 
used, depending upon the type of 
structure insured. In the absence of 
building occupancy information, the 
Dwelling Form should be used.

K.	Waiting Period

The NFIP rules for the waiting 
period and effective dates apply to 
the MPPP.

L.	Premium Payment

The current rules applicable to the 
NFIP will apply. The lender or 
servicer (or payor) has the option to 
follow its usual business practices 
regarding premium payment, so 
long as the NFIP rules are followed.

M.	Underwriting—Application

1.	The MPPP will require less 
underwriting data than is normally 
required under the standard NFIP 
rules and regulations. The MPPP 
data requirements for rating, 
processing and reporting are, at a 
minimum: 

a.	Name and mailing address 
of insured (mortgagor; also 
see Dual Interest),

b.	Address of insured 
(mortgaged) property,

c.	Community information 
(complete NFIP map panel 
number and date; program 
type, Emergency or 
Regular) countywide maps,

d.	Occupancy type (so 
statutory coverage limits are 
not exceeded. This data 
may be difficult to obtain. 


Also see Coverage 
Offered.),

e.	NFIP flood zone where 
property is located (lender 
must determine, in order to 
determine if flood insurance 
requirements are necessary 
and to use the MPPP),

f.	Amount of coverage,

g.	Name and address of 
mortgagee,

h.	Mortgage loan number,

i.	Policy number.

2.	No elevation certificates will be 
required as there will be no elevation 
rating.

N.	Rates 

(See page MPPP 1.)

O.	Policy Declaration Page
Notification Requirements

In addition to the routine 
information, such as amounts of 
coverage, deductibles and 
premiums, that a WYO company 
may place on the policy declarations 
page issued to each insured under 
the NFIP, the following messages 
are required:

1.	This policy is being provided for you 
as it is required by Federal law as 
has been mentioned in the previous 
notices sent to you on this issue. 
Since your mortgage company has 
not received proof of flood insurance 
coverage on your property in 
response to those notices, we provide 
this policy at their request. 

2.	The rates charged for this policy may 
be considerably higher than those 
that may be available to you if you 
contact your local insurance agent 
(or the WYO company).



3.	The amounts of insurance coverage 
provided in this policy may not be 
sufficient to protect your full equity 
in the property in the event of a loss.  

4.	You may contact your local 
insurance agent (or WYO company) 
to replace this policy with a 
conventionally under-written 
Standard Flood Insurance Policy, at 
any time, and typically at a 
significant savings in premium.

The WYO company may add 
other messages to the 
declarations page and make 
minor editorial modifications to 
the language of these 
messages if it believes any are 
necessary to conform to the 
style or practices of that WYO 
company, but any such 
additional messages or 
modifications must not change 
the meaning or intent of the 
above messages.

Since the amount of 
underwriting data obtained at 
the time of policy inception will 
typically be limited, the extent of 
any coverage limitations (such 
as, when replacement coverage 
is not available or coverage is 
limited because the building has 
a basement or is considered an 
elevated building with an 
enclosure) will be difficult to 
determine. It is, therefore, the 
responsibility of the WYO 
company to notify the 
mortgagor/insured of all 
coverage limitations at the 
inception of coverage and 
impose any that are applicable 
at the time of the loss 
adjustment.

P.	Policy Reformation—Policy 
Correction

Section VII.G. of the Dwelling Form 
and of the General Property Form 
will apply as appropriate.

Examples of circumstances under 
which reformation or correction 
might be needed would be:

Policy Reformation—The wrong flat 
rate was applied for the zone in 
which the property was actually 
located. Policy Correction—The 
amount of coverage exceeds the 
amount available under the NFIP for 
the type of building occupancy that 
represents the building insured. In 
such cases, the amount of coverage 
would have to be adjusted to the 
amount available and any 
appropriate premium adjustments 
made. 

Q.	Coverage Basis—Actual Cash 
Value or Replacement Cost 

There are no changes from the 
standard practices of the NFIP for 
these provisions. The coverage 
basis will depend on the type of 
occupancy of the building covered 
and the amount of coverage carried.

R.	Deductible

A $500 deductible is applicable for 
policies written under the MPPP.

S.	Federal Policy Fee

There is no change from the 
standard practice. The Federal 
Policy Fee in effect at the time the 
MPPP policy is written must be 
used.

T.	Renewability

The MPPP policy is a 1-year policy. 
Any renewal of that policy can occur 
only following the full notification 
process that must take place 
between the lender (or its 
authorized representative) and the 
insured/ mortgagor, when the 
insured/ mortgagor has failed to 
provide evidence of obtaining a 
substitute flood insurance policy. 



U.	Cancellations

The NFIP Flood Insurance Manual rules for cancellation/nullification are to be followed, when 
applicable.

V.	Endorsement

An MPPP policy may not be endorsed to convert it directly to a conventionally underwritten 
SFIP. Rather, a new policy application, with a new policy number, must be completed 
according to the underwriting requirements of the SFIP, as contained in the NFIP Flood 
Insurance Manual. The MPPP policy may be endorsed to assign it under rules of the NFIP. It 
may also be endorsed for other reasons such as increasing coverage.

W.	Assignment to a Third Party

Current NFIP rules remain unchanged; therefore, an MPPP policy may be assigned to 
another 


mortgagor or mortgagee. Any such assignment must be through an endorsement.

X.	Article XIII—Restriction on Other Flood Insurance

Article XIII of the Arrangement is also applicable to the MPPP and, as such, does not allow a 
company to sell other flood insurance that may be in competition with NFIP coverage. This 
restriction, however, applies solely to policies providing flood insurance. It also does not apply 
to insurance policies provided by a WYO company in which flood is only one of several perils 
provided, or when the flood insurance coverage amounts are in excess of the statutory limits 
provided under the NFIP or when the coverage itself is of such a nature that it is unavailable 
under the NFIP, such as blanket portfolio coverage.


GENERAL CHANGE ENDORSEMENT




The NFIP General Change Endorsement form 
cannot be used to renew, extend, or change a 
policy term. However, the General Change 
Endorsement form, or a similar form for WYO 
companies, can be used to make certain types 
of coverage and rating changes or corrections to 
existing policy data.

XXV.	ENDORSEMENT RULES

PP.	Coverage Endorsements

9.	Additional Coverage or Increase in Amount 
of Insurance

Added coverage, or an increase in the 
amount of insurance, is permitted at any 
time during a policy term. The additional 
premium is calculated pro rata for the 
balance of the policy term, at either the rate 
in effect on the endorsement effective date 
or the rate in effect on the policy effective 
date, in accordance with each WYO 
company's standard business practice. 
(See Examples 1 through 4 at the end of 
this section.) Refer to the General Rules 
section, page GR 7, for the applicable 
waiting period.

10.	Reduction of Insurance

A reduction in the amount of building 
insurance cannot be made unless 
part of the building has been 
removed, which reduces the 
building's value to less than the 
amount of the building insurance, 
or a current appraisal or cost 
estimate is provided which shows 
that the building's current 
coverage amount is higher than 
the estimated replacement cost 
of the building. (See Example 6 
at the end of this section.)

A reduction in the amount of contents 
insurance cannot be made unless 
some of the contents have been 
sold or removed, which reduces 
the contents' value to less than 
the amount of the contents 
insurance.

11.	Removal of a Coverage

There is no return premium for the removal of 
building or contents coverage 
unless the property is no longer 
at the described location or the 
property of the policyholder. (See 
Example 5 at the end of this 
section.)


QQ.	Rating Endorsements

12.	Rate Reduction

It is not permissible to revise a policy's rating 
during a policy term, due to a rate 
decrease, unless the effective date 
of the rate change is prior to the 
policy's effective date.

13.	Rating Error

The NFIP rules require that the policy must 
be in effect in order to process refunds.

a.	Current Term Refunds

Corrections will be allowed for only the current year 
for failure of the WYO company or NFIP 
Direct to:

?	Use the map grandfather rule.

?	Use the V-Zone Risk Factor Rating 
Form.  The endorsement effective 
date is either the date the V-Zone 
Risk Factor Rating Form was 
certified or the effective date of the 
current policy year, whichever is 
later.

?	Make a timely revision of alternative 
rates (rates used for Pre-FIRM rated 
risks where the zone is unknown).

?	Use Post-FIRM rating for a Pre-
FIRM structure. The refund will be 
processed if the insured provides an 
Elevation Certificate. The endorse-
ment effective date is the effective 
date of the current policy year.

?	Use an Elevation Certificate on 
Post-FIRM buildings rated using 
"Without Certification of Compliance 
or Elevation Certificate" for Zones 
AO and AH, or "No Elevation 
Certificate or No Estimated BFE" for 
Unnumbered A Zone. The en- 
dorsement effective date is the 
effective date of the current policy 
term.

b.	Current and One Prior Term Refunds

Premium refunds will be allowed for the 
current and 1 prior policy year when an 
incorrect flood zone and/or Base Flood


Elevation was used at the time the 
policy was issued and the current FIRM 
shows a more hazardous zone or 
higher Base Flood Elevation.

3.	Revision of an Alternative Rating

Alternative rating is used to compute the 
premium on a Renewal Notice following 
conversion of a community from the 
Emergency Program to the Regular 
Program. Alternative rates are also used 
by producers for the rating of Pre-FIRM 
construction. Alternative rating allows the 
producer and the policyholder 1 year to 
revise the rating, so a premium refund 
can be obtained from the renewal or 
inception date if it is determined that the 
insured property is located in a lower 
rated zone. During subsequent policy 
terms, such revisions may also be made 
effective with the start of the policy term.

4.	Map Revision

A map change (reprinting, Letter of Map 
Amendment [LOMA], Letter of Map 
Revision [LOMR], or Letter of 
Determi-nation Review [LODR]) 
may change the flood zone in which 
a property is located to a lower 
rated zone, or it may change the 
Base Flood Elevation. In such 
cases, the policy rating may be 
revised for the current and prior 
policy years if the change occurred 
prior to the current policy year. 

When a community has been converted from the 
Emergency Program to the Regular 
Program, the policy rating may be 
revised to reflect the correct flood 
zone. However, no premium refund 
is allowed on premium previously 
paid.

RR.	Misrated Policy

Premium refunds will be allowed with proper 
documentation (see III.B.2.a.) going back a 
maximum of 6 calendar years when there was 
a misrating such as an incorrect building 
description, lowest floor elevation, community 
number, flood zone, or Base Flood Elevation, 
so long as the insured can provide proof of 
the misrating.

The flood zone and Base Flood Elevation can only be 
corrected using the current FIRM.

Any lapse in coverage does not extend the number of 
years the premium refund is allowed.

SS.	Conversion of Standard Rated Policy to 
PRP Due to Misrating or Map Revision

A policy written as a 
Standard B, C, or X Zone 
policy and later found to be 
eligible for a PRP may be 
endorsed or rewritten as a 
PRP for only the current 
policy term.

When the risk has been rated 
with other than B, C, or X 
Zone rates, but is later 
found to be in a B, C, or X 
Zone and eligible for a PRP, 
the writing company will be 
allowed to endorse or 
cancel/rewrite up to 6 years.

The policy may be 
cancelled/rewritten using 
Cancellation Reason Code 22 
if both of the following 
conditions are met:
?	The request to endorse or 
cancel/rewrite the policy is 
received during the current 
policy term.
?	The policy has no open claim or closed 
paid claim.

The new PRP building coverage will be equal 
either to the building limit issued under the 
Standard B, C, or X Zone policy or the next 
higher limit available under the PRP if there is 
no PRP option equal to the Standard B, C, or X 
Zone building limit.

TT.	Changing Deductibles

Increasing deductibles is permitted during the 
current policy term. (See Example 7 at the end 
of this section.) Deductibles cannot be reduced 
mid-term, unless required by the mortgagee and 
written authorization is provided by the 
mortgagee. A 30-day waiting period will apply 
unless the request to reduce the deductible is in 
connection with making, extending, or renewing 
a loan.

The ICC premium is not eligible for the 
deductible discount or surcharge. First calculate 
the deductible discount or surcharge, then add 
in the ICC premium, for each policy year.

UU.	Correcting Property Address

A policy cannot be endorsed to change the 
location.  This includes relocation from one unit 
to another unit in the same building.

However, an erroneous address (e.g., through 
typographical error) can be corrected through 
endorsement. The agent must provide proof or a 
reasonable explanation for the error.


XXVI.	ENDORSEMENT PROCESSING 
PRIOR TO POLICY RENEWAL (NFIP 
DIRECT BUSINESS ONLY)

VV.	During Last 90 Days of Policy Term

1.	If the premium payment for renewal of the 
policy has not already been processed by 
the NFIP, a General Change Endorsement 
processed will produce a revised Renewal 
Notice for the upcoming term.

2.	If the original Renewal Notice has not been 
paid, the payor may use the revised 
Renewal Notice or subsequent Final 
Notice.

WW.	During Last 75 Days of Policy Term

3.	If the original Renewal Notice has not been 
paid, the producer must submit the General 
Change Endorsement for the current policy 
term only and submit a renewal Application 
for the upcoming term. A separate premium 
payment must be submitted for each 
transaction. (The insured and/or mort-
gagee, if payor, should be advised not to 
pay the Renewal Notice or Final Notice 
when a renewal Application and premium 
have been submitted.)

4.	If the original Renewal Notice has been 
paid, the producer must submit the General 
Change Endorsement together with any 
required additional premium for the renewal 
policy term and, if applicable, a separate 
General Change Endorsement and 
additional premium for the remainder of the 
current policy term. The effective date of 
the endorsement to increase coverage will 
be the "renewal date" only if the 
endorsement and additional premium are 
received within the 30-day grace period.

XX.	Refunds Generated from Endorsement 
Processing

The return premium is based on rates in effect 
on the effective date of the change or the policy 
effective date, in accordance with the WYO 
company's standard business practice. It is 
calculated by revising the rate, effective from the 
inception date of the current policy term, 
provided the inception date is on or after the 
community conversion date.

The Federal Policy Fee and Probation 
Surcharge (if applicable) are not subject to 
calculation of return premiums.

XXVII.	PREPARATION OF FORM

A.	General Instructions

Endorsements are processed by submitting a 
completed General Change Endorsement form 
and proper documentation (see III.B.2.a.) to the 
writing company.

Instructions for completing the General Change 
Endorsement form are self-explanatory. The 
following items are of special note:

?	The policy term cannot be changed. All 
calculations must reflect the policy term 
shown on the current declarations page.

?	A geographic location must be given for a 
property.  For example, the insured's mailing 
address may be shown as:

				Route 4
				Box 179
				Danville, Ohio 43014

The property location should be completed 
as: Farmhouse on the north side of U.S. 70, 
6 miles west of Danville, Ohio 43014.

?	The contents location section should be 
completed if contents coverage is being 
added/deleted or if the location of the 
contents being insured within the described 
building has changed. Provide an 
explanation of the change of location in the 
description area of the section.

?	The insured must sign and date the General 
Change Endorsement form whenever there 
is a request to reduce policy limits, make 
policy assignment, or change the agent of 
record.

B.	Refund Processing Procedures

1.	The current NFIP insurer (WYO Company or 
Direct Business) will be responsible for 
returning the premium for the current and 
prior policy year, provided that it was the 
insurer for that period.  If another NFIP 
insurer was the insurer for the prior policy 
year, it will be responsible for returning the 
premium for that year. Agents submit 
requests to their carrier.

2.	Requests for refunds for more than 2 years 
must be processed by the NFIP Bureau.

a.	For requests processed by the Bureau, 
the current NFIP insurer must submit all 
of the documentation necessary to 
make a refund for any period exceeding 
2 years. At a minimum, this documen-
tation will consist of the following:

?	The company's statistical records or 
declarations pages for each policy 
term and evidence of premium 
payments obtained from the insured 
if these documents are not available 
from the company's records.

?	An endorsement request for each 
year and the premium refund 
calculation for each year that the 
company had the policy.

?	A Letter of Map Amendment 
(LOMA); a Letter of Map Revision 
(LOMR); a Letter of Determination 
Review (LODR); a copy of the most 
recent flood map marked to show 
the exact location and flood zone of 
the building; a letter indicating the 
exact location and flood zone of the 
building, and signed and dated by a 
local community official; an Ele-
vation Certificate indicating the 


exact location and flood zone of the 
building, and signed and dated by a 
surveyor, engineer, architect, or 
local community official; or a flood 
zone determination certification that 
guarantees the accuracy of the 
information.

b.	In order for the Bureau to process a 
refund request, the appropriate 
documentation must be mailed directly 
to the NFIP Bureau and Statistical 
Agent, Underwriting Department, P.O. 
Box 310, Lanham, MD  20703.

3.	WYO Companies will be notified of the 
premium refunded and the Expense 
Allowance due to the NFIP.  The companies 
must maintain this documentation as part of 
their underwriting files.

4.	Any lapse in coverage does not extend the 
number of years the premium refund is 
allowed. 

The Bureau will return to the sender any 
unauthorized refund requests for more than 
2 years.


IV.	ENDORSEMENT RATING EXAMPLES


TABLE OF CONTENTS


EXAMPLE									PAGE

Example  1	Increasing Coverage on a Preferred Risk Policy		END 6



Example  2	Increasing Coverage, Program Conversion		END 7



Example  3	Increasing Coverage		END 8



Example  4	Increasing Coverage After a Rate Change		END 9



Example  5	Removing Contents		END 10



Example  6	Reducing Building Coverage		END 11



Example  7	Increasing Deductible		END 12





EXAMPLE 1

INCREASING COVERAGE ON A PREFERRED RISK POLICY







?	Policy term is October 15, 2004-2005
	
?	Pre-FIRM, X-Zone, with basement
	
?	Present coverage:
	Building $75,000/Contents $30,000
	
?	Premium at policy inception was $232.
	
?	Endorsement effective date is June 2, 2005.
	
?	Coverages added are $125,000 on the 
building and $50,000 on the contents for a 
total of $200,000 on the building and 
$80,000 on the contents.
?	Rates in effect on the effective date of the 
policy are to be used in calculating the 
premiums.
	
?	The difference between these two premiums 
is
	$99.

?	Prorate the difference using the pro rata 
factor below:

		Time period is June 2, 2005,  
		to October 15, 2005
		Number of days is 135
		Pro rata factor is .370






INSURANCE 
COVERAGE
SECTION A
CURRENT COVERAGE
SECTION B
+ INCREASED    — DECREASED 
COVERAGE
			       ONLY
NEW 
PREMI
UM 
TOTAL
S

AMOUNT
RATE
PREMIUM
AMOUNT
RATE
PREMIUM

BUILDING BASIC
75,000
?
232
125,000
?
331
331
BUILDING 
ADDITIONAL






?
CONTENTS 
BASIC
30,000


50,000


?
CONTENTS 
ADDITIONAL






?
IF CHANGING AMOUNT OF INSURANCE, ENTER NEW 
TOTAL AMOUNT BELOW
PAYMENT 
OPTION:
SUBTOTAL
331
BUILDING COVERAGE
CONTENTS COVERAGE
? CREDIT 
CARD
DEDUCT. 
DISCOUNT/SURCHA
RGE
?
BASIC
ADDITIO
NAL
TOTAL
BASI
C
ADDITIO
NAL
TOTAL
? OTHER:
SUBTOTAL
331


200,000


80,000
_________
ICC PREMIUM
?







SUBTOTAL
331
IF RETURN PREMIUM, MAIL REFUND TO:  ?   INSURED    ?  AGENT   ? 
PAYOR.  THE ABOVE
CRS PREMIUM 
DISCOUNT ____%
?
STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE.  I 
UNDERSTAND THAT
SUBTOTAL
331
ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR 
IMPRISONMENT UNDER
PREMIUM 
PREVIOUSLY PAID
(Excludes Probation 
Surcharge/ Federal 
Policy Fee)


232
APPLICABLE FEDERAL LAW.



DIFFERENCE                
+        (+/-)
+99
SIGNATURE OF INSURED AND DATE	       SIGNATURE OF INSURANCE 
AGENT/BROKER         DATE (MMDDYY)
PRO RATA FACTOR
.370

TOTAL                                      
(+/-)
+37





EXAMPLE 2

INCREASING COVERAGE,  PROGRAM CONVERSION




?	Policy term is January 15, 2006-2007
	
?	Single family dwelling, no basement, Pre-
FIRM
	
?	Present coverage:  Building  $35,000/ 
	Contents $10,000
	
?	Policy conversion date from Emergency to 
Regular Program:  July 15, 2006
	
?	Building located in an A99 Zone
	
?	Premium rates are:  Building .64/.14, 
Contents  .99/.25.
	
?	Endorsement effective date is August 14, 
2006. (The Emergency Program premiums 
that already exist on this policy are earned 
for the remainder of the policy term; they are 
not refundable.)
	
?	The coverages being added are $50,000 on 
the building and $15,000 on the contents for 
a total of $85,000 on the building and 
$25,000 on the contents; and $30,000 
coverage for ICC.
	
?	To increase coverage, complete Sections A  
and  B.  Section  A  is for current coverage,  
Section  B  should show only the amounts 
of the increases.
	
?	$15,000 of the $50,000 coverage to be added 
on the building must be calculated in the 
"Amount"  column 



under Section  B,  "Increased-Decreased 
Coverage Only"  (using the applicable 
rate) to amend the present coverage to 
the threshold for the Regular Program 
basic limits.
	
?	$10,000 of the $15,000 coverage to be 
added on the contents must be calculated 
under the "Amount"  column under Section 
B,  "Increased-Decreased Coverage Only" 
(using the applicable rate) to amend the 
present coverage to the threshold for the 
Regular Program basic limits.
	
?	Add Sections  A  and  B  premiums to obtain 
the New Premium Subtotals.
	
?	Add the ICC premium, which was not paid in 
the Emergency Program.
	
?	The Premium Previously Paid is $362 
(excluding ICC/Probation Surcharge/Federal 
Policy Fee).
	
?	Subtract the Premium Previously Paid from 
the Premium Total to obtain the Difference 
(additional/return premium).
	
?	Prorate the Difference

		Time period is August 14, 2006, 
		to  January 15, 2007
		Number of days is 154
		Pro rata factor is  .422



INSURANCE 
COVERAGE
SECTION A
CURRENT COVERAGE
SECTION B
+ INCREASED    — DECREASED 
COVERAGE
			       ONLY
NEW 
PREMI
UM 
TOTAL
S

AMOUNT
RATE
PREMIUM
AMOUNT
RATE
PREMIUM

BUILDING BASIC
35,000
.76
266
15,000
.64
96
362
BUILDING 
ADDITIONAL



35,000
.14
49
49
CONTENTS 
BASIC
10,000
.96
96
10,000
.99
99
195
CONTENTS 
ADDITIONAL



5,000
.25
13
13
IF CHANGING AMOUNT OF INSURANCE, ENTER NEW 
TOTAL AMOUNT BELOW
PAYMENT 
OPTION:
SUBTOTAL
619
BUILDING COVERAGE
CONTENTS COVERAGE
?  CREDIT 
CARD
DEDUCT. 
DISCOUNT/SURCH
ARGE
?
BASIC
ADDITIO
NAL
TOTA
L
BASIC
ADDITIO
NAL
TOTAL
?  OTHER:
SUBTOTAL
619
50,000
35,000
85,00
0
20,000
5,000
25,000
_________
ICC PREMIUM
6







SUBTOTAL
625
IF RETURN PREMIUM, MAIL REFUND TO:  ?  INSURED    ?  AGENT    ?  
PAYOR.  THE ABOVE
CRS PREMIUM 
DISCOUNT ____%
?
STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE.  I 
UNDERSTAND THAT
SUBTOTAL
625
ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR 
IMPRISONMENT UNDER
PREMIUM 
PREVIOUSLY PAID
(Excludes Probation 
Surcharge/ Federal 
Policy Fee)


362
APPLICABLE FEDERAL LAW.



DIFFERENCE                
+        (+/-)
+263
SIGNATURE OF INSURED AND DATE	 SIGNATURE OF INSURANCE 
AGENT/BROKER           DATE (MMDDYY)
PRO RATA FACTOR
.422

TOTAL                                      
(+/-)
+111


EXAMPLE 3

INCREASING COVERAGE




?	Policy term is December 12, 2005-2006

?	Single family dwelling, no basement
	
?	Pre-FIRM Building
	
?	Building located in Zone  C
	
?	Present coverage:  Building  $35,000/ 
Contents $10,000
	
?	Endorsement is effective on May 1, 2006, to 
add additional coverage of $65,000 on the 
building and $15,000 on the contents for a 
total of $100,000 building coverage and 
$25,000 contents coverage.
	
?	Premium rates are:  Building .64/.14,  
Contents .99/.25.
	
?	To increase coverage, complete Sections A  
and  B.  Section  A  is for current coverage.   
Section  B  should show the amount of the 
coverage increase only.
	
?	$15,000 of the $50,000 coverage to be 
added on the building must be calculated in 
the "Amount"  column under Section  B,  
"Increased-Decreased Coverage Only"  
(using the applicable rate) to amend the 
present coverage to the threshold for the 
Regular Program basic limits.
	
?	$10,000 of the $15,000 coverage to be 
added on the contents must be calculated 
under the "Amount"  column under Section 
B,  "Increased-Decreased Coverage Only" 
(using the applicable rate) to amend the 
present coverage to the threshold for the 
Regular Program basic limits.
	
?	Add Section  A  and  B  premiums to obtain 
the New Premium Totals.
	
?	Add the New Premium Totals to calculate 
the Premium Subtotal.
	
?	Add in the ICC Premium.
	
?	The Premium Previously Paid is $329 
(excluding Probation Surcharge/Federal 
Policy Fee) which is the total current annual 
premium including ICC premium.
	
?	Subtract the Premium Previously Paid from 
the Premium Total to obtain the Difference 
(should be additional/return premium).
	
?	Prorate the Difference

		Time period is May 1, 2006,
		to December 12, 2006
		Number of days is 225
		Pro rata factor is  .616



INSURANCE 
COVERAGE
SECTION A
CURRENT COVERAGE
SECTION B
+ INCREASED    — DECREASED 
COVERAGE
			       ONLY
NEW 
PREMI
UM 
TOTAL
S

AMOUNT
RATE
PREMIUM
AMOUNT
RATE
PREMIUM

BUILDING BASIC
35,000
.64
224
15,000
.64
96
320
BUILDING 
ADDITIONAL



50,000
.14
70
70
CONTENTS 
BASIC
10,000
.99
99
10,000
.99
99
198
CONTENTS 
ADDITIONAL



5,000
.25
13
13
IF CHANGING AMOUNT OF INSURANCE, ENTER NEW 
TOTAL AMOUNT BELOW
PAYMENT 
OPTION:
SUBTOTAL
601
BUILDING COVERAGE
CONTENTS COVERAGE
?  CREDIT 
CARD
DEDUCT. 
DISCOUNT/SURCH
ARGE
?
BASIC
ADDITIO
NAL
TOTAL
BASIC
ADDITIO
NAL
TOTAL
?  OTHER:
SUBTOTAL
601
50,000
50,000
100,00
0
20,000
5,000
25,000
_________
ICC PREMIUM
6







SUBTOTAL
607
IF RETURN PREMIUM, MAIL REFUND TO:  ?  INSURED    ?  AGENT    ?  
PAYOR.  THE ABOVE
CRS PREMIUM 
DISCOUNT ____%
?
STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE.  I 
UNDERSTAND THAT
SUBTOTAL
607
ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR 
IMPRISONMENT UNDER
PREMIUM 
PREVIOUSLY PAID
(Excludes Probation 
Surcharge/ Federal 
Policy Fee)


329
APPLICABLE FEDERAL LAW.



DIFFERENCE                
+        (+/-)
+278
SIGNATURE OF INSURED AND DATE	 SIGNATURE OF INSURANCE 
AGENT/BROKER           DATE (MMDDYY)
PRO RATA FACTOR
.616

TOTAL                                      
(+/-)
+171


EXAMPLE 4

INCREASING COVERAGE AFTER A RATE CHANGE




?	Policy term is July 15, 2005-2006
	
?	Single family dwelling, Regular Program
	
?	One floor, no basement
	
?	Current policy limits:  Building $30,000  
Contents  $8,000
	
?	Building located in an AE  Zone, Post-FIRM
	
?	Premium rates are:  Building  1.08, Contents  
1.10
	
?	Post-FIRM construction with a  0  elevation 
difference
	
?	Endorsement effective date is May 15, 2006
	
?	The coverages being added are $15,000 on 
the building and $7,000 on contents for a 
total of $45,000 building coverage and 
$15,000 contents coverage.
	
?	A rate increase takes effect on May 1, 2006.
	
?	Rates in effect on the effective date of the 
policy are to be used.
	
?	In Section  A,  enter the basic limits and 
rates for building and contents in effect at 
the beginning of the policy term.



?	In Section  B,  enter the $15,000 basic 
building amount, and the applicable rate  
(.98).  (See page END 1, "Additional 
Coverage or Increase in Amount of 
Insurance."  Companies are allowed to use 
either rates in effect at policy inception or 
rates in effect at endorsement effective 
date.)

?	In Section  B,  enter the $7,000 basic 
contents 
	amount and the applicable rate  (1.10).
	
?	Add Sections  A  and  B  premiums to obtain
the New Premium Totals.
	
?	Add the New Premium Totals to calculate 
the 
Premium Subtotal.
	
?	Add in the ICC Premium.
	
?	The Premium Previously Paid is  $418
(excluding Probation Surcharge/Federal 
Policy Fee), which is the total current annual 
premium including ICC premium.
	
?	Subtract the Premium Previously Paid from 
the Premium Total to obtain the Difference 
(should
	be additional/return premium).
	
?	Prorate the Difference

		Time period is May 15, 2006,
		to  July 15, 2006
		Number of days is  61
		Pro rata factor is  .167



INSURANCE 
COVERAGE
SECTION A
CURRENT COVERAGE
SECTION B
+ INCREASED    — DECREASED 
COVERAGE
			        ONLY
NEW 
PREMIU
M 
TOTALS

AMOUN
T
RATE
PREMIUM
AMOUNT
RATE
PREMIUM

BUILDING BASIC
30,000
1.08
324
15,000
1.08
162
486
BUILDING
ADDITIONAL







CONTENTS BASIC
8,000
1.10
88
7,000
1.10
77
165
CONTENTS
ADDITIONAL







IF CHANGING AMOUNT OF INSURANCE, ENTER NEW 
TOTAL AMOUNT BELOW
PAYMENT 
OPTION:
SUBTOTAL
651
BUILDING COVERAGE
CONTENTS COVERAGE
?  CREDIT 
CARD
DEDUCT. 
DISCOUNT/SURCH
ARGE
?
BASIC
ADDITIO
NAL
TOTA
L
BASIC
ADDITIO
NAL
TOTAL
?  OTHER:
SUBTOTAL
651
45,000
0
45,00
0
15,000
0
15,000
_________
ICC PREMIUM
6







SUBTOTAL
657
IF RETURN PREMIUM, MAIL REFUND TO:  ?  INSURED    ?  AGENT    ?  
PAYOR.  THE ABOVE
CRS PREMIUM 
DISCOUNT ____%
?
STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE.  I 
UNDERSTAND THAT
SUBTOTAL
657
ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR 
IMPRISONMENT UNDER
PREMIUM 
PREVIOUSLY PAID
(Excludes Probation 
Surcharge/ Federal 
Policy Fee)


418
APPLICABLE FEDERAL LAW.



DIFFERENCE                
+        (+/-)
+239
SIGNATURE OF INSURED AND DATE	   SIGNATURE OF INSURANCE 
AGENT/BROKER         DATE (MMDDYY)
PRO RATA FACTOR
.167

TOTAL                                      
(+/-)
 +40


EXAMPLE 5

REMOVING  CONTENTS




?	Policy term is May  20, 2005-2006
	
?	Non-residential structure
	
?	Emergency Program
	
?	Policy limits:  Building  $100,000/Contents 
$100,000
	
?	Insured purchased a new business location 
and moved the contents to the new location 
while still retaining the old location as rental 
property.  (This explanation should be 
recorded in the Reason for Change section 
of the General Change Endorsement form.)
	
?	Present rates for building and contents are 
.83/1.62.
	
?	Removal date and effective date of change 
is January 14, 2006.
	
?	Enter the current building and contents 
coverages in Section  A and the current 
rates (.83/1.62).



?	Enter the decrease in contents 
coverage in Section B.
	
?	Add all New Premium Totals to obtain the 
	Premium Subtotal.
	
?	The Premium Previously Paid is $2,450 
(excluding Probation Surcharge/Federal 
Policy Fee), which is the total current 
premium from Section A.
	
?	Subtract the Premium Previously Paid from 
the Premium Total to obtain the Difference 
(should 
be additional/return premium).
	
?	Prorate the Difference

		Time period is January 14, 2006,
		to May 20, 2006
		Number of days is  126
		Pro rata factor is  .345






INSURANCE 
COVERAGE
SECTION A
CURRENT COVERAGE
SECTION B
+ INCREASED    — DECREASED 
COVERAGE
			       ONLY
NEW 
PREMIU
M 
TOTALS

AMOUNT
RATE
PREMIUM
AMOUNT
RATE
PREMIUM

BUILDING BASIC
100,000
.83
830
0


830
BUILDING 
ADDITIONAL







CONTENTS 
BASIC
100,000
1.62
1,620
-100,000
1.62
-1,620
0
CONTENTS 
ADDITIONAL







IF CHANGING AMOUNT OF INSURANCE, ENTER NEW 
TOTAL AMOUNT BELOW
PAYMENT 
OPTION:
SUBTOTAL
830
BUILDING COVERAGE
CONTENTS COVERAGE
?  CREDIT 
CARD
DEDUCT. 
DISCOUNT/SURCHA
RGE
?
BAS
IC
ADDITIO
NAL
TOTAL
BASIC
ADDITIO
NAL
TOTAL
?  OTHER:
SUBTOTAL
830
?
?
100,00
0
?
?
0
_________
ICC PREMIUM
?







SUBTOTAL
830
IF RETURN PREMIUM, MAIL REFUND TO:  ?  INSURED    ?  AGENT    ?  
PAYOR.  THE ABOVE
CRS PREMIUM 
DISCOUNT ____%
?
STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE.  I 
UNDERSTAND THAT
SUBTOTAL
830
ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR 
IMPRISONMENT UNDER
PREMIUM 
PREVIOUSLY PAID
(Excludes Probation 
Surcharge/ Federal 
Policy Fee)


2,450
APPLICABLE FEDERAL LAW.



DIFFERENCE                
-        (+/-)
-1,620
SIGNATURE OF INSURED AND DATE       SIGNATURE OF INSURANCE 
AGENT/BROKER          DATE (MMDDYY)
PRO RATA FACTOR
.345

TOTAL                                      
(+/-)
-559


EXAMPLE 6

REDUCING  BUILDING  COVERAGE




?	Policy term is September 1, 2005-2006
	
?	Single family dwelling, with basement
	
?	Regular Program,  Zone  B, Post-FIRM
	
?	Policy limits:  Building $150,000/Contents  
$0
	
?	A wing of the building was destroyed by fire 
on July 1, 2006, and the building was 
repaired without the wing, reducing the 
value of the dwelling to $100,000.  (This 
explanation should be recorded in the 
Reason for Change section of the General 
Change Endorsement form.)
	
?	Present rates are:  Building  .73/.20.
	
?	Endorsement effective date is July 1, 2006.
	
?	In Section  A,  enter the basic building 
amount ($50,000)  and the applicable rate 
(.73).
	
?	In Section  B,  enter the new additional 
building amount at the same rate of .20.
	
	


?	Add Sections  A  and  B  to obtain the New 
Premium Totals.
	
?	Add the New Premium Totals to obtain the 
Premium Subtotal.
	
?	The Premium Previously Paid is $571 
(excluding Probation Surcharge/Federal 
Policy Fee), which is the total current annual 
premium including ICC premium.
	
?	Add ICC Premium.
	
?	Subtract the Premium Previously Paid from 
the Premium Total to obtain the Difference 
(should be additional/return premium).
	
?	Prorate the Difference

		Time period is July 1, 2006,
		to September 1, 2006
		Number of days is 62
		Pro rata factor is  .170



INSURANCE 
COVERAGE
SECTION A
CURRENT COVERAGE
SECTION B
+ INCREASED    — DECREASED 
COVERAGE
	   	  	       ONLY
NEW 
PREMI
UM 
TOTAL
S

AMOUNT
RATE
PREMIUM
AMOUNT
RATE
PREMIUM

BUILDING BASIC
50,000
.73
365
0


365
BUILDING 
ADDITIONAL
100,000
.20
200
-50,000
.20
-100
100
CONTENTS 
BASIC






?
CONTENTS 
ADDITIONAL






?
IF CHANGING AMOUNT OF INSURANCE, ENTER NEW 
TOTAL AMOUNT BELOW
PAYMENT 
OPTION:
SUBTOTAL
465
BUILDING COVERAGE
CONTENTS COVERAGE
?  CREDIT 
CARD
DEDUCT. 
DISCOUNT/SURCHA
RGE
?
BASIC
ADDITIO
NAL
TOTAL
BASIC
ADDITIO
NAL
TOTAL
?  OTHER:
SUBTOTAL
465
50,000
50,000
100,00
0



_________
ICC PREMIUM
6







SUBTOTAL
471
IF RETURN PREMIUM, MAIL REFUND TO:  ?  INSURED    ?  AGENT    ?  
PAYOR.  THE ABOVE
CRS PREMIUM 
DISCOUNT ____%
?
STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE.  I 
UNDERSTAND THAT
SUBTOTAL
471
ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR 
IMPRISONMENT UNDER
PREMIUM 
PREVIOUSLY PAID
(Excludes Probation 
Surcharge/ Federal 
Policy Fee)


571
APPLICABLE FEDERAL LAW.



DIFFERENCE                
-        (+/-)
-100
SIGNATURE OF INSURED AND DATE       SIGNATURE OF INSURANCE 
AGENT/BROKER          DATE (MMDDYY)
PRO RATA FACTOR
.170

TOTAL                                      
(+/-)
-17


EXAMPLE 7

INCREASING DEDUCTIBLE







?	Policy term is January 15, 2006-2007
	
?	Single family dwelling 
	
?	Emergency Program (Pre-FIRM)
	
?	Current policy limits:  Building  
$35,000/Contents $10,000
	
?	Policy deductible:   $1,000/$1,000
	
?	Insured requests to increase deductible to 
$4,000/$2,000  (.825), effective June 15, 
2006. (This explanation should be recorded 
in the Reason for Change section of the 
General Change Endorsement form.)
	
?	Present rates are:  Building:  .76, Contents 
.96.
	
?	Enter the current building and contents 
coverage in Section  A, and enter the 
applicable rates.
	
?	Add Sections  A  and  B  to obtain the New 
Premium Totals.
	
?	Add the New Premium Totals to obtain the 
Premium Subtotal.
	
?	The Premium Previously Paid is $362 
(excluding ICC*, and Probation 
Surcharge/Federal Policy Fee), which is the 
total current annual premium from Section 
A.
	
?	Calculate the Deductible Discount amount 
and enter that amount in the block marked 
Difference.
	
?	Prorate the Difference

		Time period is June 15, 2006,
		to January 15, 2007
		Number of days is 214
		Pro rata factor is  .586

*ICC-N/A in Emergency Program




INSURANCE 
COVERAGE
SECTION A
CURRENT COVERAGE
SECTION B
+ INCREASED    — DECREASED 
COVERAGE
			       ONLY
NEW 
PREMIU
M 
TOTALS

AMOUNT
RATE
PREMIUM
AMOUNT
RATE
PREMIUM

BUILDING BASIC
35,000
.76
266
0


266
BUILDING 
ADDITIONAL






?
CONTENTS 
BASIC
10,000
.96
96
0


96
CONTENTS 
ADDITIONAL






?
IF CHANGING AMOUNT OF INSURANCE, ENTER NEW 
TOTAL AMOUNT BELOW
PAYMENT 
OPTION:
SUBTOTAL
362
BUILDING COVERAGE
CONTENTS COVERAGE
?  CREDIT 
CARD
DEDUCT. 
DISCOUNT/SURCH
ARGE
-63
BAS
IC
ADDITIO
NAL
TOTA
L
BASIC
ADDITIO
NAL
TOTAL
?  OTHER:
SUBTOTAL
299






_________
ICC PREMIUM
N/A







SUBTOTAL
299
IF RETURN PREMIUM, MAIL REFUND TO:  ?  INSURED    ?  AGENT    
?  PAYOR.  THE ABOVE
CRS PREMIUM 
DISCOUNT ____%
?
STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE.  I 
UNDERSTAND THAT
SUBTOTAL
299
ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR 
IMPRISONMENT UNDER
PREMIUM 
PREVIOUSLY PAID
(Excludes Probation 
Surcharge/ Federal 
Policy Fee)


362
APPLICABLE FEDERAL LAW.



DIFFERENCE                
-        (+/-)
-63
SIGNATURE OF INSURED AND DATE       SIGNATURE OF INSURANCE 
AGENT/BROKER         DATE (MMDDYY)
PRO RATA FACTOR
.586

TOTAL                                      
(+/-)
-37


 




 

	POLICY RENEWALS



XXVIII.	GENERAL INFORMATION

The Standard Flood Insurance Policy is not a 
continuous policy.  Each policy contract expires 
at 12:01 a.m. on the last day of the policy term. 
Renewal of an expiring policy establishes a new 
policy term and new contractual agreement 
between the policyholder and the Federal 
Emergency Management Agency.  The NFIP 
must issue a notice of expiration not less than 
45 days before the expiration of the flood 
insurance policy by first class mail to the owner 
of the property, the servicer of any loan secured 
by the property, and (if known) the owner of the 
loan.

All policies, including Submit-for-Rate, must be 
renewed using the rates in effect on the renewal 
date.

Policy renewal documentation and premium 
should be submitted to the NFIP in advance of 
the policy expiration date to ensure there is no 
lapse in coverage.  There are two ways to renew 
a policy written directly with the National Flood 
Insurance Program or WYO Company:

	1.	The producer should complete the entire 
Flood Insurance Application when 
recertifying or changing policy 
information, and mail it with the Total 
Prepaid Amount to the NFIP.

		The 30-day waiting period applies when 
an additional amount of insurance 
requested at renewal time is higher than 
the amount listed on the renewal bill 
provided by the insurer. The beginning of 
the waiting period is determined by the 
standard rules.

	OR

	2.	The payor should respond to a Renewal 
Notice by selecting an option shown on 
the direct mail notice and returning it with 
the Total Prepaid Amount to the NFIP.

XXIX.	RENEWAL NOTICE

All parties listed on the policy (insured, agent, 
mortgagees) are mailed a Renewal Notice 45 
days prior to the policy expiration date.  The party 
designated on the policy record as the payor 
receives the payor's copy of the bill; all other 
parties receive a copy that states "THIS IS NOT A 
BILL."


YY.	Renewing for the Same Coverage – 
Option A

Option A of the Renewal Notice shows current 
amounts of insurance and deductibles at the time 
the Renewal Notice is printed

ZZ.	Inflation Factor – Option B

Option B shows premium for amounts of 
insurance increased by an inflation factor of 10 
percent for building coverage and 5 percent for 
contents coverage.  The current deductible is 
used.  For Preferred Risk Policies, Option B is the 
next higher coverage package available.  There is 
no waiting period if Option B is chosen. The 
inflation option will be no higher than the 
replacement cost on record for that policy. If 
coverage higher than the current replacement 
cost on record is desired, updated replacement 
cost documentation must be submitted.

AAA.	No Renewal Notice Generated

Renewal Notices will not be generated for the 
following situations:
1.	Building under construction
2.	Tentatively rated policy
3.	Suspended community
4.	Provisional rating
5.	Group Flood Insurance policy
6.	PRP ineligibility
7.	Section 1316 property

XXX.	PREMIUM PAYMENT DUE

To ensure that the policy is renewed without a 
lapse in coverage, the premium must be received 
by the NFIP within 30 days after the expiration 
date.  As an alternative, the premium can be 
mailed by certified mail within 30 days after the 
expiration date. The term "certified mail" has been 
broadened to include not only the U.S. Postal 
Service but also certain third-party delivery 
services. For details, see the paragraph following 
VIII.B.2. on page GR 7.

Renewal payments may also be paid by VISA, 
MasterCard, American Express, or Diners Club. 
Use the detachable payment stub at the bottom 
of the Renewal and Final Notices, or use the 
Credit Card Payment Form at the end of this 
section. The form is also available in the Forms 
Library on the NFIP Servicing Agent's web site at 
www.nfipservices.com. If a charge is declined, 
you will be notified by mail.


XXXI.	FINAL NOTICE

If the premium payment is not received by the 
NFIP by the date of expiration, a Final Notice is 
produced.  This notice is mailed to the producer, 
insured, and mortgagee. The expired policy will 
be reissued with a new effective date if the 
premium payment is not received by the NFIP 
within 30 days following the policy expiration 
date.

Mortgagee protection under the policy shall 
continue in force after the expiration of the policy 
for 30 days from the mailing date.

XXXII.	RENEWAL EFFECTIVE DATE
	DETERMINATION

Renewal dates are calculated as follows: 

	?	If the Final Notice and the premium 
payment are received by the NFIP within 
30 days following the expiration, the policy 
will be issued under the same policy 
number as the previous term, with no 
lapse in coverage. For example, if the 
policy expires on May 1, the Final Notice 
and premium payment must be received 
on or before May 30.

	?	If the Final Notice and the premium 
payment are received by the NFIP after 
the 30-day period, but within 90 days 
following the expiration, the policy will be 
placed in force 30 days following receipt 
by the NFIP.

	?	If the Final Notice and the premium 
payment are received after 90 days 
following the expiration date, the agent


must submit a new application with the full 
annual premium. The standard 30-day 
wait rules will apply. 

XXXIII.	INSUFFICIENT RENEWAL
	INFORMATION

To generate Renewal Notices and Final Notices, 
the NFIP must have received acceptable 
application data. A Renewal Notice will not be 
generated in cases where a policy application 
has not been corrected prior to the start of a 
renewal cycle. Therefore, it is important that 
producers respond immediately to the requests 
for additional information.

XXXIV.	ENDORSEMENTS DURING 
RENEWAL 
	CYCLE

Endorsements received at the NFIP within 75 
days of the policy expiration date may not be 
reflected on the renewal bill. The producer 
should, therefore, ensure that the new policy is 
properly endorsed after renewal.

The producer should use a renewal application to 
ensure that all changes are reflected on the 
renewal.

XXXV.	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.



	SUMMARY OF POLICY NOTICES


	NOTICES


RENEWAL NOTICE
Shown on 
page
s 
REN 
4-5




FINAL NOTICE
Shown on pages REN 6-7






POLICY 
DECLARATIONS PAGE
Not shown

	INSURED


NFIP mails notice for 
payment 45 days 
prior to renewal date.



NFIP mails notice on 
policy expiration 
date.






NFIP mails Policy 
Declarations Page.

	PRODUCER


NFIP mails notice for 
payment 45 days 
prior to renewal 
date.



NFIP mails notice on 
policy expiration 
date.






NFIP mails Policy 
Declarations Page.

	MORTGAGEE


NFIP mails notice for 
payment 45 days 
prior to renewal date.



NFIP mails a 30-day 
notice of nonrenewal 
on expiration date.  
Mortgagee protection 
terminates 30 days 
after mailing of 
notice.


NFIP mails Policy 
Declarations Page.





















	









Policy Number:  
Policy Expiration Date:
Billing Date:


Payor: 
Agent:  


Insured Property Location:

RENEWAL NOTICE: Your flood insurance is about to expire on the date shown 
above.  Please follow renewal instructions on the remittance coupon below.
Special Instructions:


Coverages
Deductibles

Coverage Options
Building
Contents
Building
Contents
Premium
A. CURRENT COVERAGE





B. INCREASED COVERAGE





See reverse side of bill for important additional information.
Payor Copy
RETAIN FOR YOUR RECORDS
(Please detach here and send this portion with your payment.)
Policy No.: 
Bill ID: 
Loan No.: 
Amount Paid $
Choose from one of the following payment options: 	? Option A   	? Option B  
For credit card payment, check card type and provide account information below:
? MasterCard   ? VISA   ? AMEX   
Card #:

? Diners Club	Cardholder Signature:

















Exp. Date: 
____/____

X__________________________________________________
Payor
To remit by check, make check payable to: 

National Flood Insurance Program
Post Office Box 105656
Atlanta, Georgia 30348-5656
Due Date:  
Billing Date: 
To renew your policy by check or money order, be sure 
to return this portion to the address above.  Make 
payment for the exact amount of the coverage option you 
selected.  Write your policy number on your check or 
money order.  


IMPORTANT MESSAGES

1.	PROVIDED YOUR PAYMENT IS RECEIVED WITHIN 30 DAYS OF THE EXPIRATION OF YOUR 
POLICY, IT WILL BE RENEWED WITHOUT A LAPSE IN COVERAGE. ANY PAYMENT RECEIVED 
AFTER THE 30-DAY GRACE PERIOD AND PRIOR TO 90 DAYS WILL STILL RENEW YOUR POLICY; 
HOWEVER, THERE WILL BE A 30-DAY WAITING PERIOD FOR COVERAGE TO BECOME 
EFFECTIVE. THE 30-DAY WAITING PERIOD BEGINS THE DAY THE PREMIUM IS RECEIVED.
2.	YOU ARE ENCOURAGED TO INSURE YOUR PROPERTY FOR AT LEAST 80% OF THE 
STRUCTURE'S REPLACEMENT COST TO ENSURE ADEQUATE COVERAGE IN THE EVENT OF A 
LOSS. CONTACT YOUR INSURANCE AGENT FOR DETAILS.
3.	IF THE MORTGAGEE LISTED ON THE BILL IS NOT THE CURRENT MORTGAGEE, PLEASE 
FORWARD THE BILL TO THE NEW FINANCIAL INSTITUTION (IF THEY ARE RESPONSIBLE FOR 
PREMIUM PAYMENT) AND HAVE A CHANGE ENDORSEMENT SENT TO CORRECT THE POLICY.
4.	IF THIS POLICY IS A PREFERRED RISK POLICY (PRP), PLEASE NOTE. IF THE FLOOD ZONE 
LISTED ON YOUR POLICY IS NOT THE ZONE ON THE CURRENT FLOOD INSURANCE RATE MAP, 
YOU MAY NO LONGER BE ELIGIBLE FOR THE PRP. PLEASE CONTACT YOUR INSURANCE 
REPRESENTATIVE TO VERIFY IF YOU ARE STILL ELIGIBLE FOR THIS POLICY OR TO OBTAIN A 
QUOTE FOR A STANDARD POLICY.


















IMPORTANT NOTICE

This policy is not subject to cancellation for reasons other than those set forth in the National Flood 
Insurance Program rules and regulations. In matters involving billing disputes, cancellation is not 
available other than for billing processing error or fraud.









Policy Number:  
Policy Expiration Date:
Billing Date:


Payor: 
Agent:  


Insured Property Location:

FINAL NOTICE: Your flood insurance policy expired on the date shown above. 
Please disregard this notice if your payment has already been mailed.
Special Instructions:


Coverages
Deductibles

Coverage Options
Building
Contents
Building
Contents
Premium
A. CURRENT COVERAGE





B. INCREASED COVERAGE





See reverse side of bill for important additional information.
Payor Copy
RETAIN FOR YOUR RECORDS
(Please detach here and send this portion with your payment.)
Policy No.: 
Bill ID: 
Loan No.: 
Amount Paid $
Choose from one of the following payment options: 	? Option A   	? Option B  
For credit card payment, check card type and provide account information below:
? MasterCard   ? VISA   ? AMEX   
Card #:

? Diners Club	Cardholder Signature:

















Exp. Date: 
____/____

X__________________________________________________
Payor
To remit by check, make check payable to: 

National Flood Insurance Program
Post Office Box 105656
Atlanta, Georgia 30348-5656
Due Date:  
Billing Date: 
To renew your policy by check or money order, be sure 
to return this portion to the address above.  Make 
payment for the exact amount of the coverage option you 
selected.  Write your policy number on your check or 
money order.  


IMPORTANT MESSAGES

1.	PROVIDED YOUR PAYMENT IS RECEIVED WITHIN 30 DAYS OF THE EXPIRATION OF YOUR 
POLICY, IT WILL BE RENEWED WITHOUT A LAPSE IN COVERAGE. ANY PAYMENT RECEIVED 
AFTER THE 30-DAY GRACE PERIOD AND PRIOR TO 90 DAYS WILL STILL RENEW YOUR POLICY; 
HOWEVER, THERE WILL BE A 30-DAY WAITING PERIOD FOR COVERAGE TO BECOME 
EFFECTIVE. THE 30-DAY WAITING PERIOD BEGINS THE DAY THE PREMIUM IS RECEIVED.
2.	YOU ARE ENCOURAGED TO INSURE YOUR PROPERTY FOR AT LEAST 80% OF THE 
STRUCTURE'S REPLACEMENT COST TO ENSURE ADEQUATE COVERAGE IN THE EVENT OF A 
LOSS. CONTACT YOUR INSURANCE AGENT FOR DETAILS.
3.	IF THE MORTGAGEE LISTED ON THE BILL IS NOT THE CURRENT MORTGAGEE, PLEASE 
FORWARD THE BILL TO THE NEW FINANCIAL INSTITUTION (IF THEY ARE RESPONSIBLE FOR 
PREMIUM PAYMENT) AND HAVE A CHANGE ENDORSEMENT SENT TO CORRECT THE POLICY.
4.	IF THIS POLICY IS A PREFERRED RISK POLICY (PRP), PLEASE NOTE. IF THE FLOOD ZONE 
LISTED ON YOUR POLICY IS NOT THE ZONE ON THE CURRENT FLOOD INSURANCE RATE MAP, 
YOU MAY NO LONGER BE ELIGIBLE FOR THE PRP. PLEASE CONTACT YOUR INSURANCE 
REPRESENTATIVE TO VERIFY IF YOU ARE STILL ELIGIBLE FOR THIS POLICY OR TO OBTAIN A 
QUOTE FOR A STANDARD POLICY.


















IMPORTANT NOTICE

This policy is not subject to cancellation for reasons other than those set forth in the National Flood 
Insurance Program rules and regulations. In matters involving billing disputes, cancellation is not 
available other than for billing processing error or fraud.


X.	CREDIT CARD PAYMENT FORM


The National Flood Insurance Program accepts flood insurance premium payments on VISA, MasterCard, American 
Express, and Diners Club credit cards.

If you wish to pay for your policy by credit card, fill out the bottom portion of this page, then detach and return it with 
your Flood Insurance Application, Renewal Notice or Final Notice, or General Change Endorsement Form.

If your charge is not accepted, you will be notified by mail.



Flood Insurance Policy Number:  ________________________________________

VISA  ? MasterCard  ? American Express  ?	Exp. Date: _____/_____
Diners Club  ? 

Account No.: ?


Cardholder's Name:______________________Amount of Charge $____________

Billing Address:______________________________________________________

City, State & ZIP Code:________________________________________________

Signature:______________________________________Date: _____/_____/_____

This policy is not subject to cancellation for reasons other than those set forth in the National Flood Insurance Program 
rules and regulations. In matters involving billing disputes, cancellation is not available other than for billing processing 
errors or fraud.

CANCELLATION/NULLIFICATION




Flood insurance coverage may be terminated at 
any time, by either cancelling or nullifying the policy 
depending upon the reason for the transaction.  If 
coverage is terminated, the insured may be entitled 
to a full or partial refund under applicable rules and 
regulations.  In some instances, the insured might 
be ineligible for a refund.

XXXVI.	PROCEDURES AND VALID REASONS

Submit a completed Cancellation/Nullification 
Request Form and proper documentation to the 
current NFIP insurer for processing.

BBB.	Refund Processing Procedures

1.	The current NFIP insurer (WYO Company 
or Direct Business) will be responsible for 
returning the premium for the current and 1 
prior policy year, provided that it was the 
insurer for that period. If another NFIP 
insurer was the insurer for the prior policy 
year, it will be responsible for returning the 
premium for that year.

2.	Requests for refunds for more than 2 years 
(Reason Codes 4, 6, 16, and 22 only) must 
be processed by the NFIP Bureau.

a.	For requests processed by the 
Bureau, the current NFIP insurer must 
submit all of the documentation 
necessary to make a refund for any 
period exceeding 2 years. At a 
minimum, this docu-mentation will 
consist of the following:

?	A policy cancellation request and 
the premium refund calculation for 
each year.

?	The company's statistical records or 
declarations pages for each policy 
term and evidence of premium pay-
ments obtained from the insured if 
these documents are not available 
from the company's records.

?	Photographs to verify ineligible risks.

?	For Cancellation Reason Code 22 
only (standard policy eligible for 
PRP): A Letter of Map Amendment 
(LOMA); a Letter of Map Revision 
(LOMR); a copy of the most recent 
flood map marked to show the exact 
location and flood zone of the 
building; a letter indicating the exact 
location and flood zone of the 
building, and signed and dated by a 
local community official; an Elevation 
Certificate indicating the exact 
location and flood zone of the 
building, and signed and dated by a 
surveyor, engineer, architect, or local 
community official; or a flood zone 
determination certification that guar-
antees the accuracy of the 
information.

b.	Mail the appropriate documentation to the 
NFIP Bureau and Statistical Agent, 
Under-writing Department, P.O. Box 310, 
Lanham, MD  20703.

3.	WYO Companies will be notified of the 
premium refunded and the Expense 
Allowance due to the NFIP.  The companies 
must maintain this documentation as part of 
their underwriting files.

4.	The insured must have a current NFIP policy 
to be eligible for a refund of any prior year's 
premium. All existing refund rules concerning 
the Federal Policy Fee and producer 
commission remain in effect.

TRRP reason codes in this section are used for 
reporting purposes only.

CCC.	Reason Codes for Cancellation/
Nullification of NFIP Policies

1.	Building Sold or Removed.  (TRRP 
reason 01)

The insured has sold or transferred 
ownership of the insured property and no 
longer has an insurable interest; the builder 
or developer has requested to cancel the 
policy mid-term because a newly created 
association has purchased a policy under 
its name; or the insured property has been 
removed from the described location. The 
effective date of the cancellation is the date 
the insured ceased to have an insurable 
interest in the property. For buildings sold, 
proof-of-sale documentation is required.

?	Type of Refund: Pro Rata

?	Years Eligible for Refund: Up to 2 years

?	Cancellation Request: Must be received 
within 1 year of date of sale or removal

?	Documentation: Bill of sale, settlement 
statement, or proof of total loss
2.	Contents Sold or Removed. (TRRP 
reason 02)

The insured has sold or transferred 
ownership of the insured property and no 
longer has an insurable interest, or the 
insured property has been completely 
removed from the described location. The 
effective date of the cancellation is the date 
the insured ceased to have an insurable 
interest in the property at the described 
location, or the date the property was 
removed from the described location.

?	Type of Refund: Pro Rata

?	Years Eligible for Refund: Up to 2 years

?	Cancellation Request: Must be received 
within 1 year of date of sale or removal

?	Documentation: Bill of sale, proof of 
contents removal, or proof of total loss

3.	Policy Cancelled and Rewritten To 
Establish a Common Expiration Date 
with Other Insurance Coverage. (TRRP 
reason 03)

The new policy must be rewritten within the 
same company for the same or higher 
amounts of coverage. However, if it is 
rewritten for higher amounts of coverage, 
the waiting period rule will apply. The 
producer must submit a new Application 
and premium. Upon receipt of the new 
policy declarations page, the producer 
should request cancellation of the prior 
policy. The effective date of the cancellation 
will be the same as the effective date of the 
new policy.

?	Type of Refund: Pro Rata

?	Years Eligible for Refund: Current year

?	Cancellation Request: Must be received 
within 1 year of the new policy effective 
date

?	Documentation: Copy of new policy 
declarations page

Duplicate NFIP Policies.  (TRRP reason 04)

When a duplicate NFIP policy has been 
issued, only one policy can remain in effect. 
The insured can choose which policy is to 
remain in effect and which policy is to be 
cancelled. This does not apply when there 
has been a deliberate creation of duplicate 
policies.  If this event does occur, the policy 
with the later effective date must be 
cancelled. Losses occurring under such 
circumstances will be adjusted according to 
the terms and conditions of the first policy. 

When coverage has been force-placed by 
a lender using a conventionally written 
standard policy because the required 
underwriting information is available, that 
policy is considered equivalent to the 
MPPP policy. The WYO Company is 
authorized to cancel the standard (force-
placed) or the MPPP policy, provided that 
a copy of the force-placement letter from 
the mortgagee and a copy of the policy 
declarations page are submitted with the 
Cancellation/Nullification Request Form. 

?	Type of Refund: Pro Rata 

?	Years Eligible for Refund: Up to 6 years

?	Cancellation Request: Must be received 
within 1 year of the policy expiration 
date

?	Documentation: Copy of declaration 
page(s) and, for the MPPP, a copy of 
the force-placement letter from the 
mortgagee

Non-Payment.  (TRRP reason 05)

When a producer accepts a premium 
payment from a client and then submits an 
agency check to the NFIP with the 
application, the policy may be nullified if the 
client's check is returned because of 
insufficient funds or any other reason the 
check is not made good to the producer. 
The bank's notice must be attached to the 
form when this situation occurs. If the 
producer can document this, a full premium 
refund is provided to the producer. If a 
WYO company has covered the premium 
for a prospective insured and then does not 
receive payment, the policy can be nullified.

		This reason cannot be used if the producer 
advanced agency funds and the client 
simply refused to pay the agency.

?	Type of Refund: Full

?	Years Eligible for Refund: Current year

?	Cancellation Request: Must be received 
during the policy year

?	Documentation: Bank notice of non-
payment

Risk Not Eligible for Coverage.  (TRRP reason 
06)

This reason is used to nullify a policy when 
an application was submitted and a policy 
issued on a property not eligible for 
coverage. A clear and precise explanation 
must be included when submitting this type 
of cancellation request. Examples include: 

-	Property not located in a community 
participating in the NFIP. (The use of 
an incorrect community number 
allowed the policy to be issued.)  
	
-	Contents located in an open building.

-	Property is located in a Coastal 
Barrier Resources System (CBRS) 
area.

?	Type of Refund: Full

?	Years Eligible for Refund: No limit, back 
to policy inception 

?	Cancellation Request: Must be received 
within 1 year of the policy expiration date

?	Documentation: Tax records, Section 
1316 declaration, or CBRA determi-
nation, as appropriate, or photographs 
showing ineligibility

Property Closing Did Not Occur.  (TRRP 
reason 08)

This reason is used to nullify a policy when 
a policy is issued for a closing at the time of 
settlement on a property and the transfer of 
the property does not take place. The client 
does not actually acquire an insurable 
interest in the property. 

?	Type of Refund: Full 

?	Years Eligible for Refund:  Current year

?	Cancellation Request: Must be received 
during the policy year

?	Documentation: Statement from title 
company, lender, or attorney 
representing the interests of title 
company, lender, or insured, that the 
property closing did not occur

Policy Not Required by Mortgagee.  (TRRP 
reason 50)

This provides a means to cancel a policy 
when coverage was required by the 
mortgagee for a closing and it was later 
determined that the property was not 
located in a Special Flood Hazard Area 
(SFHA). As a result, coverage was not 
required by the mortgagee. The 
mortgagee's statement to this effect must 
be attached to the Cancellation/Nullification 
Request Form. 

	This cancellation reason can be used only if 
the cancellation request was made during 
the initial policy term. The cancellation 
effective date is the date the cancellation 
request is received by the writing company. 
A revised determination from the lender 
may be used to cancel the policy. A FEMA 
Out-As-Shown Determination, as a result of 
a LOMA application, is needed if there is a 
discrepancy between the lender's and the 
insured's determinations. 

	NOTE: This cancellation reason may be 
used even if the policy was written as being 
in a non-SFHA.

Type of Refund: Pro Rata

Years Eligible for Refund: Current year

Cancellation Request: Must be received 
during the policy year

Documentation: Copy of original mandatory 
purchase document and current 
mortgagee statement that policy is not 
required; a revised determination from 
the lender showing that the building is 
not in an SFHA.

Insurance No Longer Required by Mortgagee 
Because Property Is No Longer Located 
in a Special Flood Hazard Area Because 
of a Physical Map Revision.  (TRRP 
reason 09)

Flood insurance was initially required by the 
mortgagee or other lender because the 
property was determined to be in an SFHA. 
Following the physical revision of a map, if 
the property is no longer located in an 
SFHA, then the policy may be cancelled 
provided the mortgagee confirms in writing 
that (1) the insurance was required as part 
of the mortgage; and (2) the lender no 
longer requires the flood insurance policy.

NOTE: RCBAP policies require a release 
from the mortgagee of every unit owner in 
the association or a statement of the unit 
owner, if no mortgagee. Only after this 
requirement is met can the policy be 
cancelled. 

?	Type of Refund: Full

?	Years Eligible for Refund: Current year 
and for an additional policy year in 
those cases where the insured had 
been required to renew the policy 
during the 6-month period when a 
revised map was being reprinted, 
provided no claim has been paid or is 
pending during the policy year that is 
being cancelled

?	Cancellation Request: Must be received 
within 6 months of the policy expiration 
date

?	Documentation: Statement from mort-
gagee that insurance was required as 
part of mortgage but is no longer 
required, and a copy of the revised map

10.	Condominium Policy (Unit or 
Association) Converting to RCBAP.  
(TRRP reason 45)

This provides a means to cancel a condominium 
policy because coverage is being 
provided under an RCBAP. 
Duplicate coverage occurs when 
the unit owner policy and the 
RCBAP limits are more than the 
cost of the unit, up to the maximum 
limits of the Program. 

?	Type of Refund: A pro rata premium 
refund, including Federal Policy Fee 
and Probation Surcharge, is provided.  

?	Years Eligible for Refund: Up to 6 years

?	Cancellation Request: Must be received 
within 1 year of the policy expiration 
date

?	Documentation: Copy of RCBAP and 
value of unit

11.	No longer valid.

12.	Mortgage Paid Off.  (TRRP reason 52)

This reason is used to cancel a policy that 
was obtained due to a requirement by a 
mortgagee or lender as a condition of a 
mortgage loan, and that mortgage loan has 
now been paid off.

?	Type of Refund: Pro Rata

?	Years Eligible for Refund: Current year

?	Cancellation Request: Must be received 
within 6 months of the date the 
mortgage was paid off for the 
cancellation to be effective on the date 
of payoff. When the request is received 
after 6 months, the effective date for 
cancellation is the receipt date of the 
request.

?	Documentation: Statement from mort-
gagee that mortgage has been paid off 
and that flood insurance was required 
as part of mortgage

13.	Voidance Prior to Effective Date.  (TRRP 
reason 60)

This reason is used when coverage is not 
mandatory and a policyholder decides 
during the 30-day waiting period, or prior to 
the effective date of a renewal, not to take 
the policy, after submitting a premium 
payment.

?	Type of Refund: Full

?	Years Eligible for Refund: Current year

?	Cancellation Request: Must be received 
prior to the policy effective date

?	Documentation: Policyholder's request

14.	Voidance Due to Credit Card Error.  
(TRRP reason 70)

This reason is used when an error or billing 
dispute occurs (processing error or fraud) 
on a credit card payment. 

?	Type of Refund: Full

?	Years Eligible for Refund: Current year

?	Cancellation Request: Must be received 
during the policy year

?	Documentation: Credit card notice of 
non-payment

15.	Insurance No Longer Required Based 
on FEMA Review of Lender's Special 
Flood Hazard Area Determination.  
(TRRP reason 16)

Flood insurance was initially required by the 
mortgagee or other lender because the 
property was determined to be in a Special 
Flood Hazard Area (SFHA). Following a 
review under the Flood Disaster Protection 
Act of 1973, as amended, FEMA issued a 
Letter of Determination Review (LODR) 
because the building or manufactured 
home is not in an SFHA and insurance is 
not required. The policy may be canceled 
back to inception.

This cancellation reason can be used only if 
the request from the borrower and lender 
was sent to FEMA for a LODR within 45 
days from the lender's notification to the 
borrower that the building is in an SFHA 
and that flood insurance is required. 

?	Type of Refund: Full

?	Years Eligible for Refund: Current year 
provided no claim has been paid or is 
pending

?	Cancellation Request: Must be received 
within 6 months of the policy expiration 
date

?	Documentation: Copy of FEMA's Letter 
of Determination Review, and 
statement from the lender that flood 
insurance is not required

16.	Duplicate Policies from Sources Other 
Than the NFIP.  (TRRP reason 17)

This reason code is used to cancel an NFIP 
policy when a duplicate policy has been 
obtained from sources other than the NFIP. 

?	Type of Refund: Pro Rata

?	Years Eligible for Refund: Current year

?	Cancellation Request: Must be received 
within 6 months of the new policy 
effective date. When the request is 
received after 6 months, the effective 
date for cancellation is the receipt date 
of the request.

?	Documentation: Copy of declarations 
page of the new policy and a statement 
from the mortgagee, if any, accepting 
the non-NFIP policy as the replacement

17.	No longer valid.

18.	Mortgage Paid Off on a Mortgage 
Portfolio Protection Program (MPPP) 
Policy.  (TRRP reason 52)

This reason code is used to cancel an 
MPPP Policy after the mortgage is paid off. 

?	Type of Refund: Pro Rata

?	Years eligible for refund: Current year

?	Cancellation Request: Must be received 
within 6 months of the date the 
mortgage was paid off for the 
cancellation to be effective on the date 
of payoff. When the request is received 
after 6 months, the effective date for 
cancellation is the receipt date of the 
request.

?	Documentation: Statement from mort-
gagee that mortgage has been paid off 
and that flood insurance was required 
as part of mortgage

19.	Insurance No Longer Required by the 
Mortgagee Because the Structure Has 
Been Removed from the Special Flood 
Hazard Area (SFHA) by Means of Letter 
of Map Amendment (LOMA) or Letter of 
Map Revision (LOMR).  (TRRP reason 20)

Where flood insurance was required by the 
mortgagee or other lender because the 
property was determined to be in an SFHA, 
and it is later determined that the property is 
no longer located in an SFHA through the 
issuance of a LOMA or LOMR, the policy 
can be cancelled provided the lender 
confirms in writing that (1) the insurance 
was required by the lender and that (2) the 
lender no longer requires the retention of 
the flood insurance. A copy of the LOMA or 
LOMR must accompany this request.

NOTE: RCBAP policies require a 
release from the mortgagee of every 
unit owner in the association or a 
statement of the unit owner, if no 
mortgagee. Only after this 
requirement is met can the policy be 
cancelled.

?	Type of Refund: Full
?	Years Eligible for Refund: Current year 
and, if applicable, 1 prior year provided 
no claim has been paid or is pending 
during the policy year that is being 
cancelled

?	Cancellation Request: Must be 
received within 6 months of the 
policy expiration date

?	Documentation: 
Statement from 
mort-gagee that 
insurance was 
required as part of 
mortgage but is no 
longer required, 
and a copy of the 
LOMA/LOMR

20.	Policy Was Written to the Wrong Facility 
(Repetitive Loss Target Group).  (TRRP 
reason 21)

This reason is used to cancel a policy flat 
when coverage was inadvertently written to 
the wrong facility on those structures that 
were identified as part of the Repetitive 
Loss Target Group. The cancellation 
effective date must be the same as the 
policy effective date.

?	Type of Refund: Full

?	Years Eligible for Refund: Current year

?	Cancellation Request: Must be received 
during the policy year

?	Documentation: Repetitive Loss Target 
Group Report provided by the NFIP 
Bureau and Statistical Agent

21.	Other:  Continuous Lake Flooding or 
Closed Basin Lakes.  (TRRP reason 10)

This cancellation code is used for 
continuous lake flooding or closed basin 
lakes.  The cancellation can be for only one 
term of a policy. The cancellation effective 
date must be after the date of loss.

?	Type of Refund: No refund allowed

?	Years Eligible for Refund: N/A

?	Cancellation Request: N/A

?	Documentation: FEMA notification


22.	Cancel/Rewrite.  (TRRP reason 22)

This reason code is used when ineligible 
PRPs or MPPP policies are canceled and 
rewritten and when changes are made due 
to system constraints. The code should also 
be used to cancel a standard policy that is 
eligible for a PRP. Refunds resulting from 
the cancellation must be applied to the 
rewritten policy prior to any refund being 
generated. Use rollover indicator "Z" to 
report the new policy.

?	Type of Refund: Full

?	Years Eligible for Refund: Up to 6 years

?	Cancellation Request: N/A

?	Documentation: LOMA, LOMR, zone 
determination, etc.

23.	Fraud.  (TRRP reason 23)

This reason code is used when fraud has 
been determined by FEMA. No premium 
refund is allowed with this reason code. The 
agent will retain the full commission, and 
the company's expense allowance will not 
be reduced.

?	Type of Refund: No refund allowed

?	Years Eligible for Refund: N/A

?	Cancellation Request: N/A

?	Documentation: FEMA notification


XXXVII.	COMPLETING THE 
CANCELLATION/ NULLIFICATION 
REQUEST FORM

DDD.	Current Policy Number

In the upper right corner of the form, enter the 
NFIP policy number.


EEE.	Policy Term

Enter the policy term and the cancellation 
effective date.




FFF.	Agent Information

Enter the complete name, mailing address, 
phone number, and fax number of the producer.

GGG.	Insured Mail Address

Enter the complete name, mailing address, and 
phone number of the insured. If the insured has 
moved to a new location, enter the new mailing 
address.

HHH.	First Mortgagee

Enter the complete name, mailing address, 
phone number, and fax number of the first 
mortgagee.

III.	Other Parties Notified

Enter the complete name and mailing address of 
all other interested parties who are to be notified, 
such as any additional insured, the second 
mortgagee, the loss payee, trustee, or disaster 
assistance agency.

JJJ.	Property Location

Enter the location of the insured property.


KKK.	Cancellation Reason Code

Check the reason for cancellation of the policy 
and provide any additional information required.



LLL.	Refund

Check the appropriate box to indicate to whom 
the refund is to be made payable.

When a Cancellation/Nullification Request Form 
is received that directs the NFIP to make a 
premium refund to the PAYOR and the policy 
has been endorsed showing the PAYOR as a 
WYO Company or agency, the NFIP will make 
the refund payable to the insured and mail the 
refund in care of the producer. Check the 
appropriate box to indicate to whom the refund 
should be mailed.

MMM.	Signature

The insured must sign and date the 
Cancellation/Nullification Request Form for all 
cancellation reason codes except 5 and 6. The 
producer must sign, date, and enter a Tax I.D. 
Number or Social Security Number in every 
case. After completing the form, attach all 
required supporting documents and mail the 
original to the NFIP.

The producer should retain the second copy, 
give the third copy to the insured, and the fourth 
copy to the mortgagee.

After processing the Cancellation/Nullification 
Request Form, the NFIP will send the producer, 
mortgagee, and insured a notice of cancellation.



	Processing Outcomes for Cancellation/Nullification
	of a Flood Insurance Policy

Reason Code for    
Cancellation/
Nullification
(with TRRP Code)
PREMIUM REFUND
FEDERAL POLICY FEE
AND PROBATION SURCHARGE
PRODUCER COMMISSION
(Direct Business Only)

Full
Pro 
Rata
Full Refund
Pro Rata
Fully 
Earned
Full 
Deduction
 Pro Rata
Retained
        1 (01)

?

?


?

        2 (02)

?

?


?

        3 (03)

?

?


?

        4 (04)

?

?


?

        5 (05)
?

?


?


        6 (06)
?

?


?


        7 (08)
?

?


?


        8 (50)

?

?


?

        9 (09)
?

?




?
       10 (45)

?

?


?

       11 (51)
No Longer Valid
       12 (52)

?

?


?

       13 (60)
?

?


?


       14 (70)
?

?


?


       15 (16)
?

?


?


       16 (17)

?

?


?

       17 (18)
No Longer Valid
       18 (52)

?

?


?

       19 (20)
?

?




?
       20 (21)
?

?


?


       21 (10)
NO REFUND ALLOWED
?


?
       22 (22)
?

?


?


       23 (23)
NO REFUND ALLOWED
?


?




 




 



XXXVIII.	INSURED'S RESPONSIBILITIES

In the event of loss, the insured is required to:

?	Give written notice of loss to the National 
Flood Insurance Program (NFIP) or the 
applicable WYO Company, as soon as 
practicable, using the NFIP Notice of Loss 
form or similar form;

?	Exhibit all remains of the property, as 
required;

?	If requested, submit to an examination under 
oath, as required;

?	Provide evidence and documentation to 
substantiate the loss, as required; and

?	File a Proof of Loss within 60 days of the 
loss, unless this requirement is waived by 
the Federal Emergency Management 
Agency (FEMA).

The NFIP has a standard Proof of Loss form 
which the adjuster assigned to the loss may 
provide and assist the insured in completing. 
However, independent adjusters do not have the 
authority either to approve or to deny claims. 
Adjusters' recommendations for payment or 
denial are not binding on the NFIP or the WYO 
Company and are subject to approval and 
correction by the NFIP or the WYO Company 
staff.

The Proof of Loss form may be waived on claims 
for less than $7,500. In this case, the insured will 
be required to sign the NFIP Final Report form, 
which summarizes the loss and claim figures.

XXXIX.	PRODUCER'S RESPONSIBILITIES

Producers may assign any NFIP Direct claim to 
an NFIP-approved independent adjuster except:

?	When, in major flooding disasters, the Flood 
Insurance Claims Office (FICO) makes all 
assignments.

?	When an Adjuster Control Office is 
established.

?	When a Claims Coordinating Office (CCO) is 
established.



Failure to indicate the assigned adjuster on the 
loss notice, or assignment of an adjuster who is 
not authorized by the NFIP, will delay the 
adjustment process and may result in duplicate 
adjuster assignments.

When it appears that a situation is serious 
enough that a FICO may be necessary, the NFIP 
will notify producers and producer trade 
associations in the affected area (using the 
broadcast media and press releases) as soon as 
possible to hold their loss notices unassigned 
until further instructions are received.

In the case of a WYO Company claim, the WYO 
Company's producer will follow the established 
procedures when assigning an adjuster.

XL.	SINGLE ADJUSTER PROGRAM
IMPLEMENTATION

NNN.	Schedule and Notification

FEMA and various Coastal Plans will determine 
whether a catastrophe event will necessitate a 
Single Adjuster Program (SAP) response. The 
National Weather Service declaration of a tropical 
storm or hurricane event will begin the watch for 
possible single adjuster response. When the 
storm is 48 hours from landfall, this will initiate 
FEMA's approval of the SAP response.

During that time, the NFIP Bureau and Statistical 
Agent's General Adjusters will be deployed to 
strategic areas close to where the storm is 
predicted to strike. At landfall, they will be able to 
immediately assess the damage impact from the 
storm.  No later than 24 hours after landfall, the 
WYO Companies will be advised by telephone or 
fax through their designated Single Adjuster 
Liaison, as to the areas and state(s) that will be 
subject to the SAP. At that point, the WYO 
Companies will be asked to immediately notify 
their agents of the SAP procedures in reporting 
the claims.

The NFIP Bureau and Statistical Agent will notify 
the WYO Companies by telephone or fax 
directing the companies to have their agency staff 
submit all flood losses that are reasonably 
believed to involve wind and flood damage to the 
State Coastal Plans (i.e., Windpool, Fairplan, 
Beachplan).


The NFIP will notify all SAP Liaisons of the Claims Coordinating Office's (CCO) location, telephone number, 
fax number, and address, if the CCO does not co-locate with the State Coastal Plans.

When the CCO is operational, the WYO companies will be notified of all assigned claims. Notice of losses 
reflecting the assigned adjusting firms will be faxed each day. Once the assignment is made and 
communicated to each company, the WYO Company will manage its own loss adjustment. However, the 
Catastrophe CCO will ensure that the adjuster receives a copy of the loss assignments, the name of the 
WYO Company, and the SAP Liaison telephone number.

OOO.	Training

The NFIP Bureau and Statistical Agent Claims Coordinator and FEMA will annually conduct coordination 
training sessions, both pre- and post-event, in conjunction with the State Coastal Plans, adjusters, state and 
local officials, and insurers to train all participants. These training sessions will include regional issues, the 
State Coastal Plans' procedures, confirmation of coverages for SAP losses, closed without payment 
(CWOP) procedures, adjuster resources, and duplicate assignments, etc.

The NFIP Bureau and Statistical Agent will continue to provide training for specific problems and situations 
that may arise during a catastrophe event. FEMA suggests that within the first 48 hours, or whenever 
applicable, an adjuster briefing should be conducted for all SAP adjusters and adjusting firms to ensure that 
they understand program procedures.

Guidelines contained in the NFIP Adjuster Claims Manual provide details to address particular claims 
issues. This document is available on the web at www.fema.gov/nfip under "Information for Claims 
Adjusters."

PPP.	Producer Responsibilities

14.	When directed by FEMA, the producer will have no authority to assign any losses involving a flood 
policy when


there is a reasonable belief that there is flood and wind damage, and will report the losses on the 
combined Wind/Flood loss notice to the Stationary CCO, with wind coverage information.

15.	NFIP/WYO insurers insuring both the flood and the wind loss should not report the combined loss to 
the CCO, but will assign their own single adjuster.

16.	The producers will report their flood losses via fax to the established CCO, along with wind coverage 
information in every instance except those mentioned above. In all cases the producer should send 
a copy of the loss notice to the insurer.

17.	All separate wind losses insured by a WYO company where a flood policy exists will be reported to 
the CCO for assignment to qualified adjusting firms at the CCO.

18.	Upon loss assignment, the insurer will be advised of the assigned adjusting firm by modem transfer, 
fax, or mail.

19.	These procedures relate to assignment of claims only. Insurers may perform other procedures in 
accordance with their standard business practices.

XLI.	INCREASED COST OF COMPLIANCE (ICC) CLAIMS

The producer should become familiar with the ICC aspects of the flood program. He/she can do this by 
attending an NFIP ICC workshop or reading the NFIP literature distributed by FEMA. Information 
concerning ICC claims may be obtained from your WYO company or NFIP Direct.


POLICY





The Standard Flood Insurance Policy (SFIP), 
issued by the Federal Emergency Management 
Agency (FEMA), specifies the terms and 
conditions of the agreement of insurance 
between FEMA as the Insurer and the Named 
Insureds. Named Insureds in participating 
communities include owners, renters, builders of 
buildings that are in the course of construction, 
condominium associations, owners of residential 
condominium units, and mortgagees/trustees 
(applicable for building coverage only). Certain 
terms and conditions of flood insurance (e.g., 
Mortgage Clause, Reformation of Coverage) are 
unique to this policy.



For information on Group Flood Insurance, see 
the Definitions section.

There are three policy forms–the Dwelling Form, 
the General Property Form, and the Residential 
Condominium Building Association Policy Form. 
Selection of the applicable form to be used is 
dependent on the type of insurable property to 
be covered.

Please refer to the SFIP contracts for detailed 
information on the contractual rights and duties 
of the Insurer and Insured(s).


































DWELLING FORM

Summary of Significant Changes, December 31, 2000



1.	Section III. Property Covered, A. Coverage A 
- Building Property, 2.

Additions and extensions to buildings that are 
connected by a rigid exterior wall, a solid load-
bearing interior wall, a stairway, an elevated 
walkway, or a roof may be insured as part of the 
dwelling.  At the option of the insured, these 
extensions and additions may be insured separately. 
Additions and extensions that are 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 insured separately.

2.	Section III. Property Covered, A. Coverage A 
-Building Property, 3. 

Coverage for detached carports has been 
eliminated.

3.	Section III. Property Covered, B. Coverage B 
-Personal Property 4. 

Coverage has been extended to include coverage 
for cooking stoves, ranges, or refrigerators 
belonging to the renter, as well as 10 percent of 
contents coverage for improvements made by the 
renter to the building.

4.	Section III. Property Covered, B. Coverage B 
-Personal Property, 5. 

Coverage for condominium unit owners has been 
extended to apply up to 10 percent of the contents 
coverage for losses to interior walls, floors, and 
ceilings not covered by the condominium 
association's master policy. 

5.	Section III. Property Covered, B. Coverage B 
-Personal Property, 6. Special Limits

Coverage for fine arts, collectibles, jewelry, and furs, 
etc. has been increased to $2500. Also, personal 
property used in a business has been added under 
this extension of coverage.

6.	Section III. Property Covered, C. Coverage C 
-Other Coverages, 2.a. & b.

Coverage for the two loss avoidance measures 
(sandbagging and relocation of property to protect it 
from flood or the imminent danger of flood) has been 
increased to $1,000 for each.

7.	Section IV.  Property Not Covered, 5.a. & b.

Coverage has been changed to pay for losses to 
self-propelled vehicles used to service the described 
location or designed to assist handicapped persons 
provided that the vehicles are in a building at the 
described location.

8.	Section IV.  Property Not Covered, 7.

Coverage is now specifically excluded for scrip and 
stored value cards.


9.	Section IV.  Property Not Covered, 14.

Coverage for swimming pools, hot tubs and spas 
(that are not bathroom hot tubs or spas), and their 
equipment is now excluded.

10.	Section V.  Exclusions, B.1. & 2

The explanation of when coverage begins as it 
relates to a loss in progress has been simplified.  

11.	Section V.  Exclusions, C.

Coverage has been clarified to pay for losses from 
land subsidence under certain circumstances. 
Subsidence of land along a lake shore or similar 
body of water which results from the erosion or 
undermining of the shoreline caused by waves or 
currents of water exceeding cyclical levels that result 
in a flood continues to be covered. All other land 
subsidence is now excluded. 

12.	Section V.  Exclusions, D.4.b.(3)

Coverage is now excluded for water, moisture, 
mildew, or mold damage caused by the 
policyholder's failure to inspect and maintain the 
insured property after the flood waters recede.

13.	Section V.  Exclusions, D.6.

Coverage is now added for damage from the 
pressure of water against the insured structure with 
the requirement that there be a flood in the area and 
the flood is the proximate cause of damage from the 
pressure of water against the insured structure.

14.	Section V.  Exclusions, F.

An exclusion for the cost of testing for or monitoring 
of pollutants unless it is required by law or ordinance 
has been added.

15.	Section VII. General Conditions, G. 
Reduction and Reformation of Coverage, 
2.a.(2)

If it is discovered before a claim occurs that there is 
incomplete rating information, the policyholder has 
60 days to submit the missing rating information.  
Otherwise, the coverage is limited to the amount of 
coverage that can be purchased for the premium 
originally received and can only be increased by an 
endorsement that is subject to the appropriate 
waiting period (currently 30 days).

16.	Section VII. General Conditions, V. Loss 
Settlement, 3. Special Loss Settlement, b.(1)

Coverage for a manufactured or mobile home or a 
travel trailer eligible for replacement cost coverage is 
limited to 1.5 times its actual cash value.



FEDERAL EMERGENCY MANAGEMENT AGENCY
NATIONAL FLOOD INSURANCE PROGRAM

STANDARD FLOOD INSURANCE POLICY 

DWELLING FORM

PLEASE READ THE POLICY CAREFULLY. THE FLOOD INSURANCE PROVIDED IS SUBJECT TO 
LIMITATIONS, RESTRICTIONS, AND EXCLUSIONS.

THIS POLICY COVERS ONLY:

1.	A NON-CONDOMINIUM RESIDENTIAL BUILDING DESIGNED FOR PRINCIPAL USE AS A DWELLING 
PLACE FOR ONE TO FOUR FAMILIES, OR

2.	A SINGLE-FAMILY DWELLING UNIT IN A CONDOMINIUM BUILDING.


I. AGREEMENT




The Federal Emergency Management Agency 
(FEMA) provides flood insurance under the terms of 
the National Flood Insurance Act of 1968 and its 
amendments, and Title 44 of the Code of Federal 
Regulations (CFR).

We will pay you for direct physical loss by or from 
flood to your insured property if you:

1.	Have paid the correct premium;
2.	Comply with all terms and conditions of this 
policy; and

3.	Have furnished accurate information and 
statements.

We have the right to review the information you give 
us at any time and to revise your policy based on 
our review.






II.  DEFINITIONS




A.	In this policy, "you" and "your" refer to the 
insured(s) shown on the Declarations Page of 
this policy and your spouse, if a resident of the 
same household. "Insured(s)" includes: Any 
mortgagee and loss payee named in the 
Application and Declarations Page, as well as 
any other mortgagee or loss payee determined 
to exist at the time of loss in the order of 
precedence. "We," "us," and "our" refer to the 
insurer.

Some definitions are complex because they are 
provided as they appear in the law or regulations, or 
result from court cases. The precise definitions are 
intended to protect you.

Flood, as used in this flood insurance policy, 
means: 

1.	A general and temporary condition of partial or 
complete inundation of two or more acres of 
normally dry land area or of two or more 
properties (at least one of which is your 
property) from:

a.	Overflow of inland or tidal waters;

b.	Unusual and rapid accumulation or runoff of 
surface waters from any source;

c.	Mudflow.


2.	Collapse or subsidence of land along the shore 
of a lake or similar body of water as a result of 
erosion or undermining caused by waves or 
currents of water exceeding anticipated cyclical 
levels that result in a flood as defined in A.1.a. 
above.

B.	The following are the other key definitions that 
we use in this policy:

1.	Act. The National Flood Insurance Act of 1968 
and any amendments to it.

2.	Actual Cash Value. The cost to replace an 
insured item of property at the time of loss, less 
the value of its physical depreciation.

3.	Application. The statement made and signed 
by you or your agent in applying for this policy. 
The application gives information we use to 
determine the eligibility of the risk, the kind of 
policy to be issued, and the correct premium 
payment. The application is part of this flood 
insurance policy. For us to issue you a policy, 
the correct premium payment must accompany 
the application.

4.	Base Flood. A flood having a one percent 
chance of being equaled or exceeded in any 
given year.


5.	Basement. Any area of the building, including 
any sunken room or sunken portion of a room, 
having its floor below ground level (subgrade) on 
all sides.

6.	Building.

a.	A structure with two or more outside rigid 
walls and a fully secured roof, that is affixed 
to a permanent site;

b.	A manufactured home (a "manufactured 
home," also known as a mobile home, is a 
structure: built on a permanent chassis, 
transported to its site in one or more 
sections, and affixed to a permanent 
foundation); or

c.	A travel trailer without wheels, built on a 
chassis and affixed to a permanent 
foundation, that is regulated under the 
community's floodplain management and 
building ordinances or laws.

Building does not mean a gas or liquid storage 
tank or a recreational vehicle, park trailer, or 
other similar vehicle, except as described in 
B.6.c. above. 

7.	Cancellation. The ending of the insurance 
coverage provided by this policy before the 
expiration date.

8.	Condominium. That form of ownership of real 
property in which each unit owner has an 
undivided interest in common elements.

9.	Condominium Association. The entity made 
up of the unit owners responsible for the 
maintenance and operation of:

	a.	Common elements owned in undivided 
shares by unit owners; and

b.	Other real property in which the unit owners 
have use rights;

where membership in the entity is a required 
condition of unit ownership.

10.	Declarations Page. A computer-generated 
summary of information you provided in the 
application for insurance. The Declarations 
Page also describes the term of the policy, 
limits of coverage, and displays the premium 
and our name. The Declarations Page is a part 
of this flood insurance policy.

11.	Described Location. The location where the 
insured building(s) or personal property are 
found. The described location is shown on the 
Declarations Page.

12.	Direct Physical Loss By or From Flood. Loss 
or damage to insured property, directly caused 
by a flood.  There must be evidence of physical 
changes to the property.

13.	Dwelling. A building designed for use as a 
residence for no more than four families or a 
single-family unit in a building under a 
condominium form of ownership.

14.	Elevated Building. A building that has no 
basement and that has its lowest elevated floor 
raised above ground level by foundation walls, 
shear walls, posts, piers, pilings, or columns.

15.	Emergency Program. The initial phase of a 
community's participation in the National Flood 
Insurance Program. During this phase, only 
limited amounts of insurance are available under 
the Act.

16.	Expense Constant. A flat charge you must pay 
on each new or renewal policy to defray the 
expenses of the Federal Government related to 
flood insurance. 

17.	Federal Policy Fee. A flat charge you must pay 
on each new or renewal policy to defray certain 
administrative expenses incurred in carrying out 
the National Flood Insurance Program. This 
fee covers expenses not covered by the 
expense constant. 

18.	Improvements. Fixtures, alterations, 
installations, or additions comprising a part of 
the insured dwelling or the apartment in which 
you reside.

19.	Mudflow. A river of liquid and flowing mud on 
the surfaces of normally dry land areas, as when 
earth is carried by a current of water. Other 
earth movements, such as landslide, slope 
failure, or a saturated soil mass moving by 
liquidity down a slope, are not mudflows.

20.	National Flood Insurance Program (NFIP). 
The program of flood insurance coverage and 
floodplain management administered under the 
Act and applicable Federal regulations in Title 
44 of the Code of Federal Regulations, 
Subchapter B.

21.	Policy. The entire written contract between you 
and us. It includes:

a.	This printed form;

b.	The application and Declarations Page; 

c.	Any endorsement(s) that may be issued; 
and

d.	Any renewal certificate indicating that 
coverage has been instituted for a new 
policy and new policy term. 

Only one dwelling, which you specifically 
described in the application, may be insured 
under this policy.

22.	Pollutants. Substances that include, but are not 
limited to, any solid, liquid, gaseous, or thermal 
irritant or contaminant, including smoke, vapor, 
soot, fumes, acids, alkalis, chemicals, and 
waste. "Waste" includes, but is not limited to, 
materials to be recycled, reconditioned, or 
reclaimed.


23.	Post-FIRM Building. A building for which 
construction or substantial improvement 
occurred after December 31, 1974, or on or after 
the effective date of an initial Flood Insurance 
Rate Map (FIRM), whichever is later.

24.	Probation Premium. A flat charge you must 
pay on each new or renewal policy issued 
covering property in a community that the NFIP 
has placed on probation under the provisions of 
44 CFR 59.24.

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


26.	Special Flood Hazard Area. An area having 
special flood, or mudflow, and/or flood-related 
erosion hazards, and shown on a Flood Hazard 
Boundary Map or Flood Insurance Rate Map as 
Zone A, AO, A1-A30, AE, A99, AH, AR, AR/A, 
AR/AE, AR/AH, AR/AO, AR/A1-A30, V1-V30, 
VE, or V.

27.	Unit. A single-family unit you own in a 
condominium building.

28.	Valued Policy. A policy in which the insured 
and the insurer agree on the value of the 
property insured, that value being payable in the 
event of a total loss. The Standard Flood 
Insurance Policy is not a valued policy.




III.  PROPERTY COVERED




A.	COVERAGE A - BUILDING PROPERTY
We insure against direct physical loss by or from 
flood to:
1.	The dwelling at the described location, or for 
a period of 45 days at another location as set 
forth in III.C.2.b., Property Removed to Safety.
2.	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 your 
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.
3.	A detached garage at the described location. 
Coverage is limited to no more than 10 percent 
of the limit of liability on the dwelling. Use of this 
insurance is at your option but reduces the 
building limit of liability.  We do not cover any 
detached garage used or held for use for 
residential (i.e., dwelling), business, or farming 
purposes.
4.	Materials and supplies to be used for 
construction, alteration, or repair of the dwelling 
or a detached garage while the materials and 
supplies are stored in a fully enclosed building 
at the described location or on an adjacent 
property.  

5.	A building under construction, alteration, or 
repair at the described location. 

a.	If the structure is not yet walled or roofed as 
described in the definition for building (see 
II.B. 6.a.) then coverage applies:


(1)	Only while such work is in progress; or

(2)	If such work is halted, only for a period 
of up to 90 continuous days thereafter.
b.	However, coverage does not apply until the 
building is walled and roofed if the lowest 
floor, including the basement floor, of a non-
elevated building or the lowest elevated 
floor of an elevated building is:

(1)	Below the base flood elevation in 
Zones AH, AE, A1-A30, AR, AR/AE, 
AR/AH, AR/A1-A30, AR/A, AR/AO; or
(2)	Below the base flood 
elevation adjusted to include the effect 
of wave action in Zones VE or V1-V30. 

The lowest floor levels are based on the 
bottom of the lowest horizontal structural 
member of the floor in Zones VE or V1-V30 
and the top of the floor in Zones AH, AE, A1-
A30, AR, AR/AE, AR/AH, AR/A1-A30, AR/A, 
AR/AO.

6.	A manufactured home or a travel trailer as 
described in the Definitions section (see II.B.6.b. 
and II.B.6.c.).

If the manufactured home or travel trailer is in a 
special flood hazard area, it must be anchored 
in the following manner at the time of the loss:

a.	By over-the-top or frame ties to ground 
anchors; or

b.	In accordance with the manufacturer's 
speci-fications; or

c.	In compliance with the community's 
floodplain management requirements;


unless it has been continuously insured by the 
NFIP at the same described location since 
September 30, 1982.

7.	The following items of property which are 
covered under Coverage A only: 

a.	Awnings and canopies;
b.	Blinds;
c.	Built-in dishwashers;
d.	Built-in microwave ovens;
e.	Carpet permanently installed over unfinished 
flooring;
f.	Central air conditioners;
g.	Elevator equipment;
h.	Fire sprinkler systems;
i.	Walk-in freezers;
j.	Furnaces and radiators;
k.	Garbage disposal units;
l.	Hot water heaters, including solar water 
heaters;
m.	Light fixtures;  
n.	Outdoor antennas and aerials fastened to 
buildings;
o.	Permanently installed cupboards, 
bookcases, cabinets, paneling, and 
wallpaper;
p.	Plumbing fixtures;
q.	Pumps and machinery for operating pumps;
r.	Ranges, cooking stoves, and ovens; 
s.	Refrigerators; and
t.	Wall mirrors, permanently installed.

8.	Items of property in a building enclosure below 
the lowest elevated floor of an elevated post-
FIRM building located in Zones A1-A30, AE, 
AH, AR, AR/A, AR/AE, AR/AH, AR/A1-A30, V1-
V30, or VE, or in a basement, regardless of the 
zone. Coverage is limited to the following:

a.	Any of the following items, if installed in their 
functioning locations and, if necessary for 
operation, connected to a power source:

(1)	Central air conditioners;
(2)	Cisterns and the water in them;
(3)	Drywall for walls and ceilings in a 
basement and the cost of labor to nail 
it, unfinished and unfloated and not 
taped, to the framing;
(4)	Electrical junction and circuit breaker 
boxes;
(5)	Electrical outlets and switches;
(6)	Elevators, dumbwaiters, and related 
equip-ment, except for related 
equipment installed below the base 
flood elevation after September 30, 
1987;
(7)	Fuel tanks and the fuel in them;
(8)	Furnaces and hot water heaters;
(9)	Heat pumps;
(10)	Nonflammable insulation in a 
basement;
(11)	Pumps and tanks used in solar energy 
systems;
(12)	Stairways and staircases attached to the 
building, not separated from it by 
elevated walkways;
(13)	Sump pumps;


(14)	Water softeners and the chemicals in 
them, water filters, and faucets installed 
as an integral part of the plumbing 
system;
(15)	Well water tanks and pumps; 
(16)	Required utility connections for any item 
in this list; and
(17)	Footings, foundations, posts, pilings, 
piers, or other foundation walls and 
anchorage systems required to support 
a building.

b.	Clean-up.

B.	COVERAGE B - PERSONAL PROPERTY

1.	If you have purchased personal property 
coverage, we insure against direct physical 
loss by or from flood to personal property 
inside a building at the described location, if: 

a.	The property is owned by you or your 
household family members; and 

b.	At your option, the property is owned by 
guests or servants. 
Personal property is also covered for a period of 
45 days at another location as set forth in 
III.C.2.b., Property Removed to Safety.

Personal property in a building that is not fully 
enclosed must be secured to prevent flotation 
out of the building. If the personal property 
does float out during a flood, it will be 
conclusively presumed that it was not 
reasonably secured. In that case there is no 
coverage for such property.

2.	Coverage for personal property includes the 
following property, subject to B.1. above, which 
is covered under Coverage B only:

a.	Air conditioning units, portable or window 
type;
b.	Carpets, not permanently installed, over 
unfinished flooring;
c.	Carpets over finished flooring;
d.	Clothes washers and dryers;
e.	"Cook-out" grills;
f.	Food freezers, other than walk-in, and food 
in any freezer; and 
g.	Portable microwave ovens and portable 
dishwashers.

3.	Coverage for items of property in a building 
enclosure below the lowest elevated floor of an 
elevated post-FIRM building located in Zones 
A1-A30, AE, AH, AR, AR/A, AR/AE, AR/AH, 
AR/A1-A30, V1-V30, or VE, or in a basement, 
regardless of the zone, is limited to the following 
items, if installed in their functioning locations 
and, if necessary for operation, connected to a 
power source:

a.	Air conditioning units, portable or window 
type;
b.	Clothes washers and dryers; and
c.	Food freezers, other than walk-in, and food 
in any freezer.


4.	If you are a tenant and have insured personal 
property under Coverage B in this policy, we 
will cover such property, including your cooking 
stove or range and refrigerator. The policy will 
also cover improvements made or acquired 
solely at your expense in the dwelling or 
apartment in which you reside, but for not more 
than 10 percent of the limit of liability shown for 
personal property on the Declarations Page. 
Use of this insurance is at your option but 
reduces the personal property limit of liability.

5.	If you are the owner of a unit and have insured 
personal property under Coverage B in this 
policy, we will also cover your interior walls, 
floor, and ceiling (not otherwise covered under a 
flood insurance policy purchased by your 
condominium association) for not more than 
10 percent of the limit of liability shown for 
personal property on the Declarations Page. 
Use of this insurance is at your option but 
reduces the personal property limit of liability. 

6.	Special Limits. We will pay no more than 
$2,500 for any one loss to one or more of the 
following kinds of personal property:

a.	Artwork, photographs, collectibles, or 
memorabilia, including but not limited to, 
porcelain or other figures, and sports cards;
	
b.	Rare books or autographed items;
	
c.	Jewelry, watches, precious and 
semiprecious stones, or articles of gold, 
silver, or platinum; 

d.	Furs or any article containing fur which 
represents its principal value; or

e.	Personal property used in any business.

7.	We will pay only for the functional value of 
antiques.

C.	COVERAGE C - OTHER COVERAGES

1.	Debris Removal

a.	We will pay the expense to remove non-
owned debris on or in insured property and 
owned debris anywhere.

b.	If you or a member of your household 
perform the removal work, the value of your 
work will be based on the Federal minimum 
wage. 

c.	This coverage does not increase the 
Coverage A or Coverage B limit of liability.



2.	Loss Avoidance Measures

a.	Sandbags, Supplies, and Labor

(1)	We will pay up to $1,000 for costs you 
incur to protect the insured building 
from a flood or imminent danger of 
flood, for the following:

(a)	Your reasonable expenses to buy:

(i)	Sandbags, including sand to fill 
them; 

(ii)	Fill for temporary levees;

(iii) Pumps; and

(iv)	Plastic sheeting and lumber 
used in connection with these 
items.

(b)	The value of work, at the Federal 
minimum wage, that you or a 
member of your household perform.

(2)	This coverage for Sandbags, Supplies, 
and Labor applies only if damage to 
insured property by or from flood is 
imminent, and the threat of flood 
damage is apparent enough to lead a 
person of common prudence to 
anticipate flood damage. One of the 
following must also occur: 

(a)	A general and temporary condition 
of flooding in the area near the 
described location must occur, 
even if the flood does not reach the 
insured building; or

(b)	A legally authorized official must 
issue an evacuation order or other 
civil order for the community in 
which the insured building is 
located calling for measures to 
preserve life and property from the 
peril of flood. 

This coverage does not increase the 
Coverage A or Coverage B limit of liability.

b.	Property Removed to Safety

(1)	We will pay up to $1,000 for the 
reasonable expenses you incur to move 
insured property to a place other than 
the described location that contains 
the property in order to protect it from 
flood or the imminent danger of flood.


Reasonable expenses include the value 
of work, at the Federal minimum wage, 
that you or a member of your household 
perform.

(2)	If you move insured property to a 
location other than the described 
location that contains the property, in 
order to protect it from flood or the 
imminent danger of flood, we will cover 
such property while at that location for a 
period of 45 consecutive days from the 
date you begin to move it there. The 
personal property that is moved must be 
placed in a fully enclosed building or 
otherwise reasonably protected from the 
elements. 

Any property removed, including a moveable 
home described in II.B.6.b. and c., must be 
placed above ground level or outside of the 
special flood hazard area.

This coverage does not increase the 
Coverage A or Coverage B limit of liability.

3.	Condominium Loss Assessments

a.	If this policy insures a unit, we will pay, up 
to the Coverage A limit of liability, your 
share of loss assessments charged against 
you by the condominium association in 
accordance with the condominium 
association's articles of association, 
declarations and your deed.

	The assessment must be made as a result 
of direct physical loss by or from flood 
during the policy term, to the building's 
common elements.

b.	We will not pay any loss assessment 
charged against you:

(1)	And the condominium association by 
any governmental body;

(2)	That results from a deductible under the 
insurance purchased by the 
condominium association insuring 
common elements;

(3)	That results from a loss to personal 
property, including contents of a 
condominium building;

(4)	That results from a loss sustained by the 
condominium association that was 
not reimbursed under a flood insurance 
policy written in the name of the 
association under the Act because the 
building was not, at the time of loss, 
insured for an amount equal to the 
lesser of: 



(a)	80 percent or more of its full 
replacement cost; or

(b)	The maximum amount of insurance 
permitted under the Act;

(5)	To the extent that payment under this 
policy for a condominium building 
loss, in combination with payments 
under any other NFIP policies for the 
same building loss, exceeds the 
maximum amount of insurance 
permitted under the Act for that kind of 
building; or

(6)	To the extent that payment under this 
policy for a condominium building 
loss, in combination with any recovery 
available to you as a tenant in common 
under any NFIP condominium 
association policies for the same 
building loss, exceeds the amount of 
insurance permitted under the Act for a 
single-family dwelling.

Loss assessment coverage does not increase 
the Coverage A limit of liability.

D.	COVERAGE D - INCREASED COST OF 
COMPLIANCE

1.	General

This policy pays you to comply 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 your structure. Eligible 
floodproofing activities are limited to:

a.	Nonresidential structures.

b.	Residential structures with basements that 
satisfy FEMA's standards published in the 
Code of Federal Regulations [44 CFR 60.6 
(b) or (c)].

2.	Limit of Liability

We will pay you up to $30,000 under this 
Coverage D - Increased Cost of Compliance, 
which only applies to policies with building 
coverage (Coverage A). Our payment of claims 
under Coverage D is in addition to the amount of 
coverage which you selected on the application 
and which appears on the Declarations Page. 
But the maximum you can collect under this 
policy for both Coverage A - Building Property 
and Coverage D - Increased Cost of Compliance 
cannot exceed the maximum permitted under 
the Act. We do not charge a separate deductible 
for a claim under Coverage D.



3.	Eligibility

a.	A structure covered under Coverage A - 
Building Property sustaining a loss caused by 
a flood as defined by this policy must: 

(1)	Be a "repetitive loss structure." A 
repetitive loss structure is one that 
meets the following conditions:

(a)	The structure is covered by a 
contract of flood insurance issued 
under the NFIP.

(b)	The structure has suffered flood 
damage on two occasions during a 
10-year period which ends on the 
date of the second loss.

(c)	The cost to repair the flood 
damage, on average, equaled or 
exceeded 25 percent of the market 
value of the structure at the time of 
each flood loss.

(d)	In addition to the current claim, the 
NFIP must have paid the previous 
qualifying claim, and 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

(2)	Be a structure that has had flood 
damage in which the cost to repair 
equals or exceeds 50 percent of the 
market value of the structure at the time 
of the flood. The State or community 
must have a substantial damage 
provision in its floodplain management 
law or ordinance being enforced against 
the structure. 

b.	This Coverage D pays you to comply with 
State or local floodplain management laws or 
ordinances that meet the minimum standards 
of the National Flood Insurance Program 
found in the Code of Federal Regulations at 
44 CFR 60.3. We pay for compliance 
activities that exceed those standards under 
these conditions: 

(1)	3.a.(1) above.

(2)	Elevation or floodproofing in any risk 
zone to preliminary or advisory base 
flood elevations provided by FEMA 
which the State or local government has 
adopted and is enforcing for flood-
damaged structures in such areas. (This 
includes compliance activities in B, C, X, 
or D zones which are being changed to 
zones with base flood elevations. This 
also includes compliance activities in 
zones where base flood 


elevations are being increased, and a 
flood-damaged structure must comply 
with the higher advisory base flood 
elevation.) Increased Cost of 
Compliance coverage does not apply to 
situations in B, C, X, or D zones where 
the community has derived its own 
elevations and is enforcing elevation or 
floodproofing requirements for flood-
damaged structures to elevations 
derived solely by the community.

(3)	Elevation or floodproofing above the 
base flood elevation to meet State or 
local "freeboard" requirements, i.e., that 
a structure must be elevated above the 
base flood elevation.

c.	Under the minimum NFIP criteria at 44 CFR 
60.3 (b)(4), States and communities must 
require the elevation or floodproofing of 
structures in unnumbered A zones to the 
base flood elevation where elevation data is 
obtained from a Federal, State, or other 
source. Such compliance activities are also 
eligible for Coverage D.

d.	This coverage will also pay for the 
incremental cost, after demolition or 
relocation, of elevating or floodproofing a 
structure during its rebuilding at the same or 
another site to meet State or local floodplain 
management laws or ordinances, subject to 
Exclusion D.5.g. below.

e.	This coverage will also pay to bring a flood-
damaged structure into compliance with 
State or local floodplain management laws 
or ordinances even if the structure had 
received a variance before the present loss 
from the applicable floodplain management 
requirements. 

4.	Conditions

a.	When a structure covered under 
Coverage A - Building Property sustains 
a loss caused by a flood, our payment for 
the loss under this Coverage D will be for 
the increased cost to elevate, floodproof, 
relocate, or demolish (or any 
combination of these activities) caused 
by the enforcement of current State or 
local floodplain management ordinances 
or laws. Our payment for eligible 
demolition activities will be for the cost 
to demolish and clear the site of the 
building debris or a portion thereof 
caused by the enforcement of current 
State or local floodplain management 
ordinances or laws. Eligible activities for 
the cost of clearing the site will include 
those necessary to discontinue utility 
service to the site and ensure proper 
abandonment of on-site utilities.  

b.	When the building is repaired or rebuilt, it 
must be intended for the same 
occupancy as the present building unless 
otherwise required by current floodplain 
management ordinances or laws. 


5.	Exclusions

Under this Coverage D - Increased Cost of 
Compliance, we will not pay for:

a.	The cost to comply with any floodplain 
management law or ordinance in 
communities participating in the 
Emergency Program.

b.	The cost associated with enforcement of 
any ordinance or law that requires any 
insured or others to test for, monitor, 
clean up, remove, contain, treat, detoxify 
or neutralize, or in any way respond to, 
or assess the effects of pollutants. 

c.	The loss in value to any insured building 
or other structure due to the 
requirements of any ordinance or law.

d.	The loss in residual value of the 
undamaged portion of a building 
demolished as a con-sequence of 
enforcement of any State or local 
floodplain management law or ordinance. 

e.	Any Increased Cost of Compliance under 
this Coverage D:

(1)	Until the building is elevated, 
floodproofed, demolished, or 
relocated on the same or to another 
premises; and 

(2)	Unless the building is elevated, 
floodproofed, demolished, or 
relocated as soon as reasonably 
possible after the loss, not to exceed 
2 years (see 3.b.).

f.	Any code upgrade requirements, e.g., 
plumbing or electrical wiring, not 
specifically related to the State or local 
floodplain management law or ordinance.


g.	Any compliance activities needed to 
bring additions or improvements made 
after the loss occurred into compliance 
with State or local floodplain 
management laws or ordinances. 

h.	Loss due to any ordinance or law that 
you were required to comply with before 
the current loss.

i.	Any rebuilding activity to standards that 
do not meet the NFIP's minimum 
requirements. This includes any situation 
where you have received from the State 
or community a variance in connection 
with the current flood loss to rebuild the 
property to an elevation below the base 
flood elevation. 

j.	Increased Cost of Compliance for a 
garage or carport. 

k.	Any structure insured under an NFIP 
Group Flood Insurance Policy. 

l.	Assessments made by a condominium 
association on individual condominium unit 
owners to pay increased costs of 
repairing commonly owned buildings after 
a flood in compliance with State or local 
floodplain management ordinances or 
laws.

6.	Other Provisions

a.	Increased Cost of Compliance coverage 
will not be included in the calculation to 
determine whether coverage meets the 
80 percent insurance-to-value 
requirement for replacement cost 
coverage as set forth in VII. General 
Conditions, V. Loss Settlement.

b.	All other conditions and provisions of 
this policy apply.




IV.	PROPERTY NOT COVERED






We do not cover any of the following property:

1.	Personal property not inside the fully enclosed 
building;

2.	A building, and personal property in it, located 
entirely in, on, or over water or seaward of mean 
high tide if it was constructed or substantially 
improved after September 30, 1982;

3.	Open structures, including a building used as a 
boathouse or any structure or building into 
which boats are floated, and personal property 
located in, on, or over water;

4.	Recreational vehicles other than travel trailers 
described in II.B.6.c., whether affixed to a 
permanent foundation or on wheels;

5.	Self-propelled vehicles or machines, including 
their parts and equipment. However, we do 
cover self-propelled vehicles or machines not 
licensed for use on public roads that are:

a.	Used mainly to service the described 
location, or

b.	Designed and used to assist handicapped 
persons,

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

6.	Land, land values, lawns, trees, shrubs, plants, 
growing crops, or animals;

7.	Accounts, bills, coins, currency, deeds, 
evidences of debt, medals, money, scrip, stored 
value cards, postage stamps, securities, bullion, 
manuscripts, or other valuable papers;


8.	Underground structures and equipment, 
including wells, septic tanks, and septic 
systems;

9.	Those portions of walks, walkways, decks, 
driveways, patios, and other surfaces, all 
whether protected by a roof or not, located 
outside the perimeter, exterior walls of the 
insured building or the building in which the 
insured unit is located;

10.	Containers, including related equipment, such 
as, but not limited to, tanks containing gases or 
liquids;

11.	Buildings or units and all their contents if more 
than 49 percent of the actual cash value of the 
building or unit is below ground, unless the 
lowest level is at or above the base flood 
elevation and is below ground by reason of earth 
having been used as insulation material in 
conjunction with energy efficient building 
techniques;



12.	Fences, retaining walls, seawalls, bulkheads, 
wharves, piers, bridges, and docks;

13.	Aircraft or watercraft, or their furnishings and 
equipment;

14.	Hot tubs and spas that are not bathroom 
fixtures, and swimming pools, and their 
equipment such as, but not limited to, heaters, 
filters, pumps, and pipes, wherever located;

15.	Property not eligible for flood insurance pursuant 
to the provisions of the Coastal Barrier 
Resources Act and the Coastal Barrier 
Improvement Act and amendments to these 
acts;

16.	Personal property you own in common with 
other unit owners comprising the membership of 
a condominium association.




V.  EXCLUSIONS






A.	We only provide coverage for direct physical 
loss by or from flood, which means that we do 
not pay you for:

1.	Loss of revenue or profits; 

2.	Loss of access to the insured property or 
described location;

3.	Loss of use of the insured property or described 
location;

4.	Loss from interruption of business or production;

5.	Any additional living expenses incurred while the 
insured building is being repaired or is unable 
to be occupied for any reason;

6.	The cost of complying with any ordinance or law 
requiring or regulating the construction, 
demolition, remodeling, renovation, or repair of 
property, including removal of any resulting 
debris. This exclusion does not apply to any 
eligible activities that we describe in Coverage D 
- Increased Cost of Compliance; or

7.	Any other economic loss.

B.	We do not insure a loss directly or indirectly 
caused by a flood that is already in progress at 
the time and date:

1.	The policy term begins; or

2.	Coverage is added at your request.

C.	We do not insure for loss to property caused 
directly by earth movement even if the earth 
movement is 


caused by flood. Some examples of earth 
movement that we do not cover are: 

1.	Earthquake;

2.	Landslide;

3.	Land subsidence;

4.	Sinkholes;

5.	Destabilization or movement of land that results 
from accumulation of water in subsurface land 
area; or

6.	Gradual erosion.

We do, however, pay for losses from mudflow and 
land subsidence as a result of erosion that are 
specifically covered under our definition of flood 
(see II.A.1.c. and II.A.2.).

D.	We do not insure for direct physical loss caused 
directly or indirectly by any of the following:

1.	The pressure or weight of ice;

2.	Freezing or thawing;

3.	Rain, snow, sleet, hail, or water spray;

4.	Water, moisture, mildew, or mold damage that 
results primarily from any condition: 

a.	Substantially confined to the dwelling; or 

b.	That is within your control, including but not 
limited to:

(1)	Design, structural, or mechanical 
defects;


(2)	Failure, stoppage, or breakage of water 
or sewer lines, drains, pumps, fixtures, 
or equipment; or

(3)	Failure to inspect and maintain the 
property after a flood recedes;

5.	Water or waterborne material that:

a.	Backs up through sewers or drains; 

b.	Discharges or overflows from a sump, sump 
pump, or related equipment; or

c.	Seeps or leaks on or through the covered 
property;

unless there is a flood in the area and the flood 
is the proximate cause of the sewer or drain 
backup, sump pump discharge or overflow, or 
seepage of water; 

6.	The pressure or weight of water unless there is 
a flood in the area and the flood is the 
proximate cause of the damage from the 
pressure or weight of water;
7.	Power, heating, or cooling failure unless the 
failure results from direct physical loss by or 
from flood to power, heating, or cooling 
equipment on the described location; 

8.	Theft, fire, explosion, wind, or windstorm;

9.	Anything you or any member of your household 
do or conspire to do to cause loss by flood 
deliberately; or 

10.	Alteration of the insured property that 
significantly increases the risk of flooding.

E.	We do not insure for loss to any building or 
personal property located on land leased from 
the Federal Government, arising from or incident 
to the flooding of the land by the Federal 
Government, where the lease expressly holds 
the Federal Government harmless under flood 
insurance issued under any Federal 
Government program.

F.	We do not pay for the testing for or monitoring of 
pollutants unless required by law or ordinance.







VI.	DEDUCTIBLES




A.	When a loss is covered under this policy, we 
will pay only that part of the loss that exceeds 
your deductible amount, subject to the limit of 
liability that applies. The deductible amount is 
shown on the Declarations Page. 

However, when a building under construction, 
alteration, or repair does not have at least two 
rigid exterior walls and a fully secured roof at the 
time of loss, your deductible amount will be two 
times the deductible that would otherwise apply 
to a completed building.
B.	In each loss from flood, separate deductibles 
apply to the building and personal property 
insured by this policy.

C.	The deductible does not apply to:

1.	III.C.2. Loss Avoidance Measures;

2.	III.C.3. Condominium Loss Assessments; or 

3.	III.D. Increased Cost of Compliance.





VII.  GENERAL CONDITIONS





Y.	A.	Pairs and Sets

In case of loss to an article that is part of a pair or 
set, we will have the option of paying you: 

1.	An amount equal to the cost of replacing the 
lost, damaged, or destroyed article, minus its 
depreciation; or

2.	The amount that represents the fair proportion of 
the total value of the pair or set that the lost, 
damaged, or destroyed article bears to the pair 
or set.



B.	Concealment or Fraud and Policy Voidance

1.	With respect to all insureds under this policy, 
this policy: 

a.	Is void;

b.	Has no legal force or effect;

c.	Cannot be renewed; and

d.	Cannot be replaced by a new NFIP policy;


if, before or after a loss, you or any other insured 
or your agent have at any time:

(1)	Intentionally concealed or 
misrepresented any material fact or 
circumstance; 

(2)	Engaged in fraudulent conduct; or

(3)	Made false statements;

relating to this policy or any other NFIP 
insurance.

2.	This policy will be void as of the date the 
wrongful acts described in B.1. above were 
committed.

3.	Fines, civil penalties, and imprisonment under 
applicable Federal laws may also apply to the 
acts of fraud or concealment described above.

4.	This policy is also void for reasons other than 
fraud, misrepresentation, or wrongful act. This 
policy is void from its inception and has no legal 
force under the following conditions:

a.	If the property is located in a community that 
was not participating in the NFIP on the 
policy's inception date and did not join or 
reenter the program during the policy term 
and before the loss occurred; or 

b.	If the property listed on the application 
is otherwise not eligible for coverage under 
the NFIP. 

Other Insurance

1.	If a loss covered by this policy is also covered 
by other insurance that includes flood coverage 
not issued under the Act, we will not pay more 
than the amount of insurance that you are 
entitled to for lost, damaged, or destroyed 
property insured under this policy subject to the 
following: 

a.	We will pay only the proportion of the loss 
that the amount of insurance that applies 
under this policy bears to the total amount 
of insurance covering the loss, unless C.1.b. 
or c. immediately below applies.

b.	If the other policy has a provision stating that 
it is excess insurance, this policy will be 
primary.

c.	This policy will be primary (but subject to its 
own deductible) up to the deductible in the 
other flood policy (except another policy as 
described in C.1.b. above). When the other 
deductible amount is reached, this policy 
will participate in the same proportion that 
the amount of insurance under this policy 
bears to the total amount of both policies, for 
the remainder of the loss. 



2.	If there is other insurance in the name of your 
condominium association covering the same 
property covered by this policy, then this policy 
will be in excess over the other insurance.

D.	Amendments, Waivers, Assignment

This policy cannot be changed nor can any of its 
provisions be waived without the express written 
consent of the Federal Insurance Administrator.  No 
action that we take under the terms of this policy 
constitutes a waiver of any of our rights. You may 
assign this policy in writing when you transfer title of 
your property to someone else, except under these 
conditions:

1.	When this policy covers only personal property; 
or

2.	When this policy covers a structure during the 
course of construction.

E.	Cancellation of Policy by You

1.	You may cancel this policy in accordance with 
the applicable rules and regulations of the NFIP.

2.	If you cancel this policy, you may be entitled to 
a full or partial refund of premium also under the 
applicable rules and regulations of the NFIP.
F.	Nonrenewal of the Policy by Us

Your policy will not be renewed:

1.	If the community where your covered property is 
located stops participating in the NFIP; or

2.	If your building has been declared ineligible 
under Section 1316 of the Act.

G.	Reduction and Reformation of Coverage

1.	If the premium we received from you was not 
enough to buy the kind and amount of coverage 
you requested, we will provide only the amount 
of coverage that can be purchased for the 
premium payment we received.

2.	The policy can be reformed to increase the 
amount of coverage resulting from the reduction 
described in G.1. above to the amount you 
requested as follows:

a.	Discovery of insufficient premium or 
incomplete rating information before a loss.

(1)	If we discover before you have a flood 
loss that your premium payment was not 
enough to buy the requested amount of 
coverage, we will send you and any 
mortgagee or trustee known to us a bill 
for the required additional premium for 
the current policy term (or that portion 
of the current policy term following any 
endorsement changing 


the amount of coverage). If you or the 
mortgagee or trustee pay the additional 
premium within 30 days from the date of 
our bill, we will reform the policy to 
increase the amount of coverage to the 
originally requested amount effective to 
the beginning of the current policy term 
(or subsequent date of any 
endorsement changing the amount of 
coverage).

(2)	If we determine before you have a flood 
loss that the rating information we have 
is incomplete and prevents us from 
calculating the additional premium, we 
will ask you to send the required 
information. You must submit the 
information within 60 days of our 
request.  Once we determine the 
amount of additional premium for the 
current policy term, we will follow the 
procedure in G.2.a.(1) above.

(3)	If we do not receive the additional 
premium (or additional information) by 
the date it is due, the amount of 
coverage can only be increased by 
endorsement subject to any appropriate 
waiting period.

b.	Discovery of insufficient premium or 
incomplete rating information after a loss.

(1)	If we discover after you have a flood 
loss that your premium payment was not 
enough to buy the requested amount of 
coverage, we will send you and any 
mortgagee or trustee known to us a bill 
for the required additional premium for 
the current and the prior policy terms. If 
you or the mortgagee or trustee pay the 
additional premium within 30 days from 
the date of our bill, we will reform the 
policy to increase the amount of 
coverage to the originally requested 
amount effective to the beginning of the 
prior policy term.

(2)	If we discover after you have a flood 
loss that the rating information we have 
is incomplete and prevents us from 
calculating the additional premium, we 
will ask you to send the required 
information. You must submit the 
information before your claim can be 
paid.  Once we determine the amount of 
additional premium for the current and 
prior policy terms, we will follow the 
procedure in G.2.b.(1) above.

(3)	If we do not receive the additional 
premium by the date it is due, your flood 
insurance claim will be settled based on 
the reduced amount of coverage. The 
amount of coverage can only be 
increased by endorsement subject to 
any appropriate waiting period.

3.	However, if we find that you or your agent 
intentionally did not tell us, or falsified, any 
important fact or circumstance or did anything 
fraudulent relating to this insurance, the 
provisions of Condition B. Concealment or 
Fraud and Policy Voidance apply.

H.	Policy Renewal 

1.	This policy will expire at 12:01 a.m. on the last 
day of the policy term. 

2.	We must receive the payment of the appropriate 
renewal premium within 30 days of the 
expiration date. 

3.	If we find, however, that we did not place your 
renewal notice into the U.S. Postal Service, or if 
we did mail it, we made a mistake, e.g., we used 
an incorrect, incomplete, or illegible address, 
which delayed its delivery to you before the due 
date for the renewal premium, then we will follow 
these procedures: 

a.	If you or your agent notified us, not later 
than 1 year after the date on which the 
payment of the renewal premium was due, 
of nonreceipt of a renewal notice before the 
due date for the renewal premium, and we 
determine that the circumstances in the 
preceding paragraph apply, we will mail a 
second bill providing a revised due date, 
which will be 30 days after the date on which 
the bill is mailed.

b.	If we do not receive the premium requested 
in the second bill by the revised due date, 
then we will not renew the policy.  In that 
case, the policy will remain an expired 
policy as of the expiration date shown on 
the Declarations Page.

4.	In connection with the renewal of this policy, we 
may ask you during the policy term to recertify, 
on a Recertification Questionnaire we will 
provide to you, the rating information used to 
rate your most recent application for or renewal 
of insurance.

I.	Conditions Suspending or Restricting 
Insurance

We are not liable for loss that occurs while there is a 
hazard that is increased by any means within your 
control or knowledge. 

Z.	J.	Requirements in Case of Loss

In case of a flood loss to insured property, you 
must:

1.	Give prompt written notice to us;

2.	As soon as reasonably possible, separate the 
damaged and undamaged property, putting it in 
the best possible order so that we may examine 
it;

3.	Prepare an inventory of damaged property 
showing the quantity, description, actual cash 
value, and amount of loss. Attach all bills, 
receipts, and related documents;


4.	Within 60 days after the loss, send us a proof of 
loss, which is your statement of the amount you 
are claiming under the policy signed and sworn 
to by you, and which furnishes us with the 
following information:

a.	The date and time of loss; 

b.	A brief explanation of how the loss 
happened;

c.	Your interest (for example, "owner") and the 
interest, if any, of others in the damaged 
property; 

d.	Details of any other insurance that may 
cover the loss; 

e.	Changes in title or occupancy of the covered 
property during the term of the policy; 

f.	Specifications of damaged buildings and 
detailed repair estimates;

g.	Names of mortgagees or anyone else 
having a lien, charge, or claim against the 
covered property;

h.	Details about who occupied any insured 
building at the time of loss and for what 
purpose; and

i.	The inventory of damaged personal property 
described in J.3. above.

5.	In completing the proof of loss, you must use 
your own judgment concerning the amount of 
loss and justify that amount.

6.	You must cooperate with the adjuster or 
representative in the investigation of the claim.

7.	The insurance adjuster whom we hire to 
investigate your claim may furnish you with a 
proof of loss form, and she or he may help you 
complete it.  However, this is a matter of 
courtesy only, and you must still send us a proof 
of loss within 60 days after the loss even if the 
adjuster does not furnish the form or help you 
complete it.

8.	We have not authorized the adjuster to approve 
or disapprove claims or to tell you whether we 
will approve your claim.

9.	At our option, we may accept the adjuster's 
report of the loss instead of your proof of loss. 
The adjuster's report will include information 
about your loss and the damages you sustained. 
You must sign the adjuster's report. At our 
option, we may require you to swear to the 
report.

K.	Our Options After a Loss

Options we may, in our sole discretion, exercise 
after loss include the following:


1.	At such reasonable times and places that we 
may designate, you must:

a.	Show us or our representative the damaged 
property;

b.	Submit to examination under oath, while not 
in the presence of another insured, and sign 
the same; and

c.	Permit us to examine and make extracts and 
copies of:
	
(1)	Any policies of property insurance 
insuring you against loss and the deed 
establishing your ownership of the 
insured real property; 

(2)	Condominium association documents 
including the Declarations of the 
condominium, its Articles of 
Association or Incorporation, Bylaws, 
rules and regulations, and other relevant 
documents if you are a unit owner in a 
condominium building; and

(3)	All books of accounts, bills, invoices and 
other vouchers, or certified copies 
pertaining to the damaged property if 
the originals are lost.

2.	We may request, in writing, that you furnish us 
with a complete inventory of the lost, damaged, 
or destroyed property, including: 

a.	Quantities and costs;

b.	Actual cash values or replacement cost 
(whichever is appropriate);

c.	Amounts of loss claimed; 

d.	Any written plans and specifications for 
repair of the damaged property that you can 
reasonably make available to us; and

e.	Evidence that prior flood damage has been 
repaired.

3.	If we give you written notice within 30 days after 
we receive your signed, sworn proof of loss, we 
may:

a.	Repair, rebuild, or replace any part of the 
lost, damaged, or destroyed property with 
material or property of like kind and quality 
or its functional equivalent; and

b.	Take all or any part of the damaged property 
at the value we agree upon or its appraised 
value.

L.	No Benefit to Bailee

No person or organization, other than you, having 
custody of covered property will benefit from this 
insurance.



M.	Loss Payment

1.	We will adjust all losses with you. We will pay 
you unless some other person or entity is named 
in the policy or is legally entitled to receive 
payment. Loss will be payable 60 days after we 
receive your proof of loss (or within 90 days after 
the insurance adjuster files an adjuster's report 
signed and sworn to by you in lieu of a proof of 
loss) and:

a.	We reach an agreement with you;

b.	There is an entry of a final judgment; or 

c.	There is a filing of an appraisal award with 
us, as provided in VII.P.

2.	If we reject your proof of loss in whole or in part 
you may:

a.	Accept our denial of your claim;

b.	Exercise your rights under this policy; or 

c.	File an amended proof of loss, as long as it 
is filed within 60 days of the date of the loss.

N.	Abandonment

You may not abandon to us damaged or 
undamaged property insured under this policy.

O.	Salvage

We may permit you to keep damaged insured 
property after a loss, and we will reduce the amount 
of the loss proceeds payable to you under the 
policy by the value of the salvage.

P.	Appraisal

If you and we fail to agree on the actual cash value 
or, if applicable, replacement cost of your damaged 
property to settle upon the amount of loss, then 
either may demand an appraisal of the loss. In this 
event, you and we will each choose a competent 
and impartial appraiser within 20 days after receiving 
a written request from the other. The two appraisers 
will choose an umpire. If they cannot agree upon an 
umpire within 15 days, you or we may request that 
the choice be made by a judge of a court of record in 
the State where the covered property is located. The 
appraisers will separately state the actual cash 
value, the replacement cost, and the amount of loss 
to each item. If the appraisers submit a written report 
of an agreement to us, the amount agreed upon will 
be the amount of loss. If they fail to agree, they will 
submit their differences to the umpire. A decision 
agreed to by any two will set the amount of actual 
cash value and loss, or if it applies, the replacement 
cost and loss.

Each party will:

1.	Pay its own appraiser; and 


2.	Bear the other expenses of the appraisal and 
umpire equally.

AA.	Q.	Mortgage Clause

The word "mortgagee" includes trustee.

Any loss payable under Coverage A - Building 
Property will be paid to any mortgagee of whom we 
have actual notice as well as any other mortgagee 
or loss payee determined to exist at the time of loss, 
and you, as interests appear. If more than one 
mortgagee is named, the order of payment will be 
the same as the order of precedence of the 
mortgages.

If we deny your claim, that denial will not apply to a 
valid claim of the mortgagee, if the mortgagee:

1.	Notifies us of any change in the ownership or 
occupancy, or substantial change in risk of 
which the mortgagee is aware;

2.	Pays any premium due under this policy on 
demand if you have neglected to pay the 
premium; and 

3.	Submits a signed, sworn proof of loss within 60 
days after receiving notice from us of your failure 
to do so. 

All of the terms of this policy apply to the 
mortgagee.

The mortgagee has the right to receive loss payment 
even if the mortgagee has started foreclosure or 
similar action on the building.

If we decide to cancel or not renew this policy, it will 
continue in effect for the benefit of the mortgagee 
only for 30 days after we notify the mortgagee of the 
cancellation or nonrenewal.

If we pay the mortgagee for any loss and deny 
payment to you, we are subrogated to all the rights 
of the mortgagee granted under the mortgage on the 
property.  Subrogation will not impair the right of the 
mortgagee to recover the full amount of the 
mortgagee's claim.

R.	Suit Against Us

You may not sue us to recover money under this 
policy unless you have complied with all the 
requirements of the policy. If you do sue, you must 
start the suit within 1 year after the date of the 
written denial of all or part of the claim, and you 
must file the suit in the United States District Court of 
the district in which the insured property was located 
at the time of loss.  This requirement applies to any 
claim that you may have under this policy and to 
any dispute that you may have arising out of the 
handling of any claim under the policy.

S.	Subrogation

Whenever we make a payment for a loss under this 
policy, we are subrogated to your right to recover 
for that loss from any other person.  That means that 
your right to 


recover for a loss that was partly or totally caused by 
someone else is automatically transferred to us, to 
the extent that we have paid you for the loss.  We 
may require you to acknowledge this transfer in 
writing. After the loss, you may not give up our right 
to recover this money or do anything that would 
prevent us from recovering it. If you make any claim 
against any person who caused your loss and 
recover any money, you must pay us back first 
before you may keep any of that money.

T.	Continuous Lake Flooding

1.	If your insured building has been flooded by 
rising lake waters continuously for 90 days or 
more and it appears reasonably certain that a 
continuation of this flooding will result in a 
covered loss to the insured building equal to or 
greater than the building policy limits plus the 
deductible or the maximum payable under the 
policy for any one building loss, we will pay 
you the lesser of these two amounts without 
waiting for the further damage to occur if you 
sign a release agreeing:

a.	To make no further claim under this policy;

b.	Not to seek renewal of this policy;

c.	Not to apply for any flood insurance under 
the Act for property at the described 
location; and

d.	Not to seek a premium refund for current or 
prior terms.

If the policy term ends before the insured 
building has been flooded continuously for 90 
days, the provisions of this paragraph T.1. will 
apply when the insured building suffers a 
covered loss before the policy term ends.

2.	If your insured building is subject to continuous 
lake flooding from a closed basin lake, you may 
elect to file a claim under either paragraph T.1. 
above or paragraph T.2. (A "closed basin lake" is 
a natural lake from which water leaves primarily 
through evaporation and whose surface area now 
exceeds or has exceeded 1 square mile at any 
time in the recorded past. Most of the nation's 
closed basin lakes are in the western half of the 
United States, where annual evaporation exceeds 
annual precipitation and where lake levels and 
surface areas are subject to considerable 
fluctuation due to wide variations in the climate. 
These lakes may overtop their basins on rare 
occasions.) Under this paragraph T.2. we will pay 
your claim as if the building is a total loss even 
though it has not been continuously inundated for 
90 days, subject to the following conditions:

a.	Lake flood waters must damage or 
imminently threaten to damage your 
building.

b.	Before approval of your claim, you must:

(1)	Agree to a claim payment that reflects 
your buying back the salvage on a 
negotiated basis; and

(2)	Grant the conservation easement 
described in FEMA's "Policy Guidance 
for Closed Basin Lakes," to be recorded 
in the office of the local recorder of 
deeds. FEMA, in consultation with the 
community in which the property is 
located, will identify on a map an area or 
areas of special consideration (ASC) in 
which there is a potential for flood 
damage from continuous lake flooding. 
FEMA will give the community the 
agreed-upon map showing the ASC. This 
easement will only apply to that portion of 
the property in the ASC. It will allow 
certain agricultural and recreational uses 
of the land. The only structures that it will 
allow on any portion of the property 
within the ASC are certain simple 
agricultural and recreational structures. If 
any of these allowable structures are 
insurable buildings under the NFIP and 
are insured under the NFIP, they will not 
be eligible for the benefits of this 
paragraph T.2. If a U.S. Army Corps of 
Engineers certified flood control project 
or otherwise certified flood control 
project later protects the property, FEMA 
will, upon request, amend the ASC to 
remove areas protected by those 
projects. The restrictions of the easement 
will then no longer apply to any portion of 
the property removed from the ASC; and

(3)	Comply with paragraphs T.1.a. through 
T.1.d. above.

c.	Within 90 days of approval of your claim, you 
must move your building to a new location 
outside the ASC. FEMA will give you an 
additional 30 days to move if you show that 
there is sufficient reason to extend the time.

d.	Before the final payment of your claim, you 
must acquire an elevation certificate and a 
floodplain development permit from the local 
floodplain administrator for the new location 
of your building.

e.	Before the approval of your claim, the 
community having jurisdiction over your 
building must:

(1)	Adopt a permanent land use 
ordinance, or a temporary moratorium 
for a period not to exceed 6 months to 
be followed immediately by a 
permanent land use ordinance, that is 
consistent with the provisions 
specified in the easement required in 
paragraph T.2.b. above.

(2)	Agree to declare and report any 
violations of this ordinance to FEMA so 
that under Section 1316 of the National 
Flood Insurance Act of 1968, as 
amended, flood insurance to the 
building can be denied; and


(3)	Agree to maintain as deed-restricted, for 
purposes compatible with open space or 
agricultural or recreational use only, any 
affected property the community acquires 
an interest in. These deed restrictions 
must be consistent with the provisions of 
paragraph T.2.b. above, except that, 
even if a certified project protects the 
property, the land use restrictions 
continue to apply if the property was 
acquired under the Hazard Mitigation 
Grant Program or the Flood Mitigation 
Assistance Program. If a nonprofit land 
trust organization receives the property 
as a donation, that organization must 
maintain the property as deed-restricted, 
consistent with the provisions of 
paragraph T.2.b. above.

f.	Before the approval of your claim, the 
affected State must take all action set forth in 
FEMA's "Policy Guidance for Closed Basin 
Lakes."

g.	You must have NFIP flood insurance 
coverage continuously in effect from a date 
established by FEMA until you file a claim 
under paragraph T.2.  If a subsequent owner 
buys NFIP insurance that goes into effect 
within 60 days of the date of transfer of title, 
any gap in coverage during that 60-day 
period will not be a violation of this 
continuous coverage requirement. For the 
purpose of honoring a claim under this 
paragraph T.2., we will not consider to be in 
effect any increased coverage that became 
effective after the date established by FEMA.  
The exception to this is any increased 
coverage in the amount suggested by your 
insurer as an inflation adjustment.

h.	This paragraph T.2. will be in effect for a 
community when the FEMA Regional 
Director for the affected region provides to 
the community, in writing, the following:

(1)	Confirmation that the community and the 
State are in compliance with the 
conditions in paragraphs T.2.e. and T.2.f. 
above; and

(2)	The date by which you must have flood 
insurance in effect.

BB.	U.	Duplicate Policies Not Allowed

1.	We will not insure your property under more 
than one NFIP policy. 

If we find that the duplication was not knowingly 
created, we will give you written notice. The 
notice will advise you that you may choose one 
of several options under the following 
procedures:

a.	If you choose to keep in effect the policy 
with the earlier effective date, you may also 
choose to add the coverage limits of the 
later policy to the limits of the earlier policy. 
The change will become effective as of the 
effective date of the later policy.
b.	If you choose to keep in effect the policy 
with the later effective date, you may also 
choose to add the coverage limits of the 
earlier policy to the limits of the later policy. 
The change will be effective as of the 
effective date of the later policy.

In either case, you must pay the pro rata 
premium for the increased coverage limits within 
30 days of the written notice. In no event will the 
resulting coverage limits exceed the permissible 
limits of coverage under the Act or your 
insurable interest, whichever is less.  

We will make a refund to you, according to 
applicable NFIP rules, of the premium for the 
policy not being kept in effect.

2.	Your option under Condition U. Duplicate 
Policies Not Allowed to elect which NFIP policy 
to keep in effect does not apply when duplicates 
have been knowingly created. Losses occurring 
under such circumstances will be adjusted 
according to the terms and conditions of the 
earlier policy. The policy with the later effective 
date will be canceled. 

V.	Loss Settlement 

1.	Introduction

	This policy provides three methods of settling 
losses: Replacement Cost, Special Loss 
Settlement, and Actual Cash Value. Each 
method is used for a different type of property, 
as explained in a.-c. below.

a.	Replacement Cost loss settlement, 
described in V.2. below, applies to a single-
family dwelling provided:

(1)	It is your principal residence, which 
means that, at the time of loss, you or 
your spouse lived there for at least 80 
percent of:

(a)	The 365 days immediately 
preceding the loss; or

(b)	The period of your ownership, if you 
owned the dwelling for less than 
365 days; and

(2)	At the time of loss, the amount of 
insurance in this policy that applies to 
the dwelling is 80 percent or more of its 
full replacement cost immediately before 
the loss, or is the maximum amount of 
insurance available under the NFIP.

b.	Special loss settlement, described in V.3. 
below, applies to a single-family dwelling 
that is a manufactured or mobile home or a 
travel trailer. 

c.	Actual Cash Value loss settlement applies 
to a single-family dwelling not subject to 
replacement cost or special loss settlement, 
and to the property listed in V.4. below. 


2.	Replacement Cost Loss Settlement

The following loss settlement conditions apply to 
a single-family dwelling described in V.1.a. 
above:

a.	We will pay to repair or replace the 
damaged dwelling after application of the 
deductible and without deduction for 
depreciation, but not more than the least of 
the following amounts:

(1)	The building limit of liability shown on 
your Declarations Page;

(2)	The replacement cost of that part of the 
dwelling damaged, with materials of 
like kind and quality, and for like use; or

(3)	The necessary amount actually spent to 
repair or replace the damaged part of 
the dwelling for like use.

b.	If the dwelling is rebuilt at a new location, 
the cost described above is limited to the 
cost that would have been incurred if the 
dwelling had been rebuilt at its former 
location. 

c.	When the full cost of repair or replacement 
is more than $1,000 or more than 5 percent 
of the whole amount of insurance that 
applies to the dwelling, we will not be liable 
for any loss under V.2.a. above or V.4.a.(2) 
below unless and until actual repair or 
replacement is completed.

d.	You may disregard the replacement cost 
conditions above and make claim under this 
policy for loss to dwellings on an actual 
cash value basis. You may then make claim 
for any additional liability according to V.2.a., 
b., and c. above, provided you notify us of 
your intent to do so within 180 days after the 
date of loss.

e.	If the community in which your dwelling is 
located has been converted from the 
Emergency Program to the Regular 
Program during the current policy term, 
then we will consider the maximum amount 
of available NFIP insurance to be the 
amount that was available at the beginning 
of the current policy term.

3.	Special Loss Settlement

a.	The following loss settlement conditions 
apply to a single-family dwelling that:

(1)	Is a manufactured or mobile home or a 
travel trailer, as defined in II.B.6.b. and 
II.B.6.c.;

(2)	Is at least 16 feet wide when fully 
assembled and has an area of at least 
600 square feet within its perimeter 
walls when fully assembled; and


(3)	Is your principal residence, as specified 
in V.1.a.(1) above.

b.	If such a dwelling is totally destroyed or 
damaged to such an extent that, in our 
judgment, it is not economically feasible to 
repair, at least to its predamage condition, 
we will, at our discretion, pay the least of the 
following amounts:

(1)	The lesser of the replacement cost of 
the dwelling or 1.5 times the actual 
cash value, or

(2)	The building limit of liability shown on 
your Declarations Page.

c.	If such a dwelling is partially damaged and, 
in our judgment, it is economically feasible 
to repair it to its predamage condition, we 
will settle the loss according to the 
Replacement Cost conditions in paragraph 
V.2. above.

4.	Actual Cash Value Loss Settlement

The types of property noted below are subject to 
actual cash value [or in the case of V.4.a.(2) 
below, proportional] loss settlement.

a.	A dwelling, at the time of loss, when the 
amount of insurance on the dwelling is both 
less than 80 percent of its full replacement 
cost immediately before the loss and less 
than the maximum amount of insurance 
available under the NFIP.  In that case, we 
will pay the greater of the following amounts, 
but not more than the amount of insurance 
that applies to that dwelling:

(1)	The actual cash value, as defined in 
II.B.2., of the damaged part of the 
dwelling; or

(2)	A proportion of the cost to repair or 
replace the damaged part of the 
dwelling, without deduction for physical 
depreciation and after application of the 
deductible.

This proportion is determined as follows: 
If 80 percent of the full replacement cost 
of the dwelling is less than the 
maximum amount of insurance available 
under the NFIP, then the proportion is 
determined by dividing the actual 
amount of insurance on the dwelling by 
the amount of insurance that represents 
80 percent of its full replacement cost. 
But if 80 percent of the full replacement 
cost of the dwelling is greater than the 
maximum amount of insurance available 
under the NFIP, then the proportion is 
determined by dividing the actual 
amount of insurance on the dwelling by 
the maximum amount of insurance 
available under the NFIP.

b.	A two-, three-, or four-family dwelling.

c.	A unit that is not used exclusively for single-
family dwelling purposes.


d.	Detached garages.

e.	Personal property.

f.	Appliances, carpets, and carpet pads.

g.	Outdoor awnings, outdoor antennas or 
aerials of any type, and other outdoor 
equipment.

h.	Any property covered under this policy that 
is abandoned after a loss and remains as 
debris anywhere on the described location.

i.	A dwelling that is not your principal 
residence.

5.	Amount of Insurance Required

To determine the amount of insurance required 
for a dwelling immediately before the loss, do 
not include the value of:
a.	Footings, foundations, piers, or any other 
structures or devices that are below the 
undersurface of the lowest basement floor 
and support all or part of the dwelling;

b.	Those supports listed in V.5.a. above that 
are below the surface of the ground inside 
the foundation walls if there is no basement; 
and

c.	Excavations and underground flues, pipes, 
wiring, and drains.

The Coverage D - Increased Cost of 
Compliance limit of liability is not included in the 
determination of the amount of insurance 
required.









VIII.  LIBERALIZATION CLAUSE




If we make a change that broadens your coverage 
under this edition of our policy, but does not require 
any additional premium, then that change will 
automatically apply to your insurance as of the date 
we implement the change, provided that this 
implementation date falls within 60 days before, or 
during, the policy term stated on the Declarations 
Page. 






IX.	WHAT LAW GOVERNS




This policy and all disputes arising from the 
handling of any claim under the policy are governed 
exclusively by the flood insurance regulations issued 
by FEMA, the 


National Flood Insurance Act of 1968, as amended 
(42 U.S.C. 4001, et seq.), and Federal common law.


__________________________________________________________________________________________
__________

IN WITNESS WHEREOF, we have signed this policy below and hereby enter into this Insurance Agreement.




 

David I. Maurstad
Acting Administrator, National Flood Insurance Program
Federal Emergency Management Agency



_____________________________________________________________________________
_________

CLAIM GUIDELINES IN CASE OF A FLOOD
_____________________________________________________________________________
_________

For the protection of you and your family, the following claim guidelines are provided by the 
National Flood Insurance Program (NFIP). If you are ever in doubt as to what action is needed, 
consult your insurance representative or call the NFIP toll-free at 1-800-638-6620 or on the TDD 
line at 1-800-447-9487.

Know your insurance representative's name and telephone number. List them here for fast 
reference:

Insurance Representative _________________________________

Representative's Phone Number ______________________________

?	Notify us or your insurance representative, in writing, as soon as possible after the flood.

?	If you report to your insurance representative, remind him or her to assign the claim to an 
NFIP- approved claims adjuster.  The NFIP pays for the services of the independent claims 
adjuster assigned to your claim.

?	Determine the independent claims adjuster assigned to your claim and contact him or her if 
you have not been contacted within 24 hours after you reported the claim to your insurance 
representative. 

?	As soon as possible, separate damaged property from undamaged property so that damage 
can be inspected and evaluated.

?	Discuss with the claims adjuster any need you may have for an advance or partial payment 
for your loss.

?	To help the claims adjuster, try to take photographs of the outside of the premises showing 
the flooding and the damage and photographs of the inside of the premises showing the 
height of the water and the damaged property.

?	Place all account books, financial records, receipts, and other loss verification material in a 
safe place for examination and evaluation by the claims adjuster.

?	Work cooperatively and promptly with the claims adjuster to determine and document all 
claim items. Be prepared to advise the claims adjuster of the cause and responsible 
party(ies), if the flooding resulted from other than natural cause.

?	Make sure that the claims adjuster fully explains, and that you fully understand, all 
allowances and procedures for processing claim payments on the basis of your proof of loss. 
This policy requires you to send us detailed proof of loss within 60 days after the loss.

?	Any and all coverage problems and claim allowance restrictions must be communicated 
directly from the NFIP.  Claims adjusters are not authorized to approve or deny claims; their 
job is to report to the NFIP on the elements of flood cause and damage.

At our option, we may accept an adjuster's report of the loss instead of your proof of loss.  The 
adjuster's report will include information about your loss and the damages to your insured 
property.  You must sign the adjuster's report.  At our option, we may require you to swear to the 
report.










	F-122 (10/04)


GENERAL PROPERTY FORM

Summary of Significant Changes, December 31, 2000



1.	Section III. Property Covered, A. Coverage A 
-Building Property, 3.

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

2.	Section III. Property Covered, B. Coverage B 
-Personal Property, 5. Special Limits

Coverage for fine arts, collectibles, jewelry, and furs, 
etc., has been increased to $2500. 

3.	Section III. Property Covered B. Coverage B -
Personal Property, 8.

Coverage for condominium unit owners has been 
extended to apply up to 10 percent of the contents 
coverage for losses to interior walls, floors, and 
ceilings not covered by the condominium 
association's master policy. 

4.	Section III. Property Covered, C. Coverage C 
-Other Coverages, 2.a. & b.

Coverage for the two loss avoidance measures 
(sandbagging and relocation of property to protect it 
from flood or the imminent danger of flood) has been 
increased to $1,000 for each.

5.	Section III. Property Covered, C. Coverage C 
- Other Coverages, 3. Pollution Damage

Coverage for damage caused by pollutants to 
covered property has been limited to $10,000. This 
does not cover the cost of testing for or monitoring of 
pollutants unless it is required by law or ordinance.

6.	Section IV.  Property Not Covered, 5.a. & b.

Coverage has been changed to pay for losses to 
self-propelled vehicles used to service the described 
location or designed to assist handicapped persons 
provided that the vehicles are in a building at the 
described location.



7.	Section IV.  Property Not Covered, 7.

Coverage is now specifically excluded for scrip and 
stored value cards. 

8.	Section IV.  Property Not Covered, 14.

Coverage for swimming pools, hot tubs, and spas 
(that are not bathroom hot tubs or spas), and their 
equipment is now excluded.

9.	Section V.  Exclusions, B.1 & 2.

The explanation of when coverage begins as it 
relates to a loss in progress has been simplified.

10.	Section V.  Exclusions, C. 

Coverage has been clarified to pay for losses from 
land subsidence under certain circumstances.  
Subsidence of land along a lake shore or similar 
body of water which results from the erosion or 
undermining of the shoreline caused by waves or 
currents of water exceeding cyclical levels that result 
in a flood continues to be covered. All other land 
subsidence is now excluded. 

11.	Section V.  Exclusions, D.4.b.(3)

Coverage is now excluded for water, moisture, 
mildew, or mold damage caused by the 
policyholder's failure to inspect and maintain the 
insured property after the flood waters recede.

12.	Section V.  Exclusions, D.6.

Coverage is added for damage from the pressure of 
water against the insured structure with the 
requirement that there be a flood in the area and the 
flood is the proximate cause of damage from the 
pressure of water against the insured structure.

13.	Section VII.  General Conditions, G. 
Reduction and Reformation of Coverage, 
2.a.(2)

If it is discovered before a claim occurs that 
there is incomplete rating information, the 
policyholder has 60 days to submit missing 
rating information. Otherwise, the coverage is 
limited to the amount of coverage that can be 
purchased for the premium originally received 
and can only be increased by an endorsement 
that is subject to the appropriate waiting period 
(currently 30 days).


FEDERAL EMERGENCY MANAGEMENT AGENCY
NATIONAL FLOOD INSURANCE PROGRAM

STANDARD FLOOD INSURANCE POLICY

GENERAL PROPERTY FORM

PLEASE READ THE POLICY CAREFULLY.  THE FLOOD INSURANCE PROVIDED IS SUBJECT TO 
LIMITATIONS, RESTRICTIONS, AND EXCLUSIONS.

THIS POLICY PROVIDES NO COVERAGE:

1.	IN A REGULAR PROGRAM COMMUNITY, FOR A RESIDENTIAL CONDOMINIUM BUILDING, AS DEFINED 
IN THIS POLICY; AND

2.	EXCEPT FOR PERSONAL PROPERTY COVERAGE, FOR A UNIT IN A CONDOMINIUM BUILDING.


I.  AGREEMENT




The Federal Emergency Management Agency 
(FEMA) provides flood insurance under the terms of 
the National Flood Insurance Act of 1968 and its 
amendments, and Title 44 of the Code of Federal 
Regulations (CFR).

We will pay you for direct physical loss by or from 
flood to your insured property if you:

1.	Have paid the correct premium;


2.	Comply with all terms and conditions of this 
policy; and

3.	Have furnished accurate information and 
statements.

We have the right to review the information you give 
us at any time and to revise your policy based on 
our review.




CC.	II.  DEFINITIONS




A.	In this policy, "you" and "your" refer to the 
insured(s) shown on the Declarations Page of 
this policy. "Insured(s)" includes: Any 
mortgagee and loss payee named in the 
Application and Declarations Page, as well as 
any other mortgagee or loss payee determined 
to exist at the time of loss in the order of 
precedence. "We," "us," and "our" refer to the 
insurer.

Some definitions are complex because they are 
provided as they appear in the law or regulations, or 
result from court cases. The precise definitions are 
intended to protect you.

Flood, as used in this flood insurance policy, 
means:

1.	A general and temporary condition of partial or 
complete inundation of two or more acres of 
normally dry land area or of two or more 
properties (at least one of which is your 
property) from:

a.	Overflow of inland or tidal waters;

b.	Unusual and rapid accumulation or runoff of 
surface waters from any source;

c.	Mudflow.



2.	Collapse or subsidence of land along the shore 
of a lake or similar body of water as a result of 
erosion or undermining caused by waves or 
currents of water exceeding anticipated cyclical 
levels that result in a flood as defined in A.1.a. 
above.

B.	The following are the other key definitions that 
we use in this policy:

1.	Act. The National Flood Insurance Act of 1968 
and any amendments to it.

2.	Actual Cash Value. The cost to replace an 
insured item of property at the time of loss, less 
the value of its physical depreciation.

3.	Application. The statement made and signed 
by you or your agent in applying for this policy. 
The application gives information we use to 
determine the eligibility of the risk, the kind of 
policy to be issued, and the correct premium 
payment. The application is part of this flood 
insurance policy. For us to issue you a policy, 
the correct premium payment must accompany 
the application.

4.	Base Flood. A flood having a one percent 
chance of being equaled or exceeded in any 
given year.


5.	Basement. Any area of the building, including 
any sunken room or sunken portion of a room, 
having its floor below ground level (subgrade) on 
all sides.

6.	Building.

	a.	A structure with two or more outside rigid 
walls and a fully secured roof, that is affixed 
to a permanent site;

	b.	A manufactured home (a "manufactured 
home," also known as a mobile home, is a 
structure: built on a permanent chassis, 
transported to its site in one or more 
sections, and affixed to a permanent 
foundation); or

c.	A travel trailer without wheels, built on a 
chassis and affixed to a permanent 
foundation, that is regulated under the 
community's floodplain management and 
building ordinances or laws.

Building does not mean a gas or liquid storage 
tank or a recreational vehicle, park trailer, or 
other similar vehicle, except as described in 
B.6.c., above. 

7.	Cancellation. The ending of the insurance 
coverage provided by this policy before the 
expiration date.

8.	Condominium. That form of ownership of real 
property in which each unit owner has an 
undivided interest in common elements.

9.	Condominium Association. The entity made 
up of the unit owners responsible for the 
maintenance and operation of:

	a.	Common elements owned in undivided 
shares by unit owners; and

b.	Other real property in which the unit owners 
have use rights ;

where membership in the entity is a required 
condition of unit ownership.

10.	Declarations Page. A computer-generated 
summary of information you provided in the 
application for insurance. The Declarations 
Page also describes the term of the policy, 
limits of coverage, and displays the premium 
and our name. The Declarations Page is a part 
of this flood insurance policy.

11.	Described Location. The location where the 
insured building or personal property are found. 
The described location is shown on the 
Declarations Page.

12.	Direct Physical Loss By or From Flood. Loss 
or damage to insured property, directly caused 
by a flood. There must be evidence of physical 
changes to the property.



13.	Elevated Building. A building that has no 
basement and that has its lowest elevated floor 
raised above ground level by foundation walls, 
shear walls, posts, piers, pilings, or columns.

14.	Emergency Program. The initial phase of a 
community's participation in the National Flood 
Insurance Program.  During this phase, only 
limited amounts of insurance are available under 
the Act.

15.	Expense Constant. A flat charge you must pay 
on each new or renewal policy to defray the 
expenses of the Federal Government related to 
flood insurance. 

16.	Federal Policy Fee. A flat charge you must pay 
on each new or renewal policy to defray certain 
administrative expenses incurred in carrying out 
the National Flood Insurance Program. This 
fee covers expenses not covered by the 
expense constant.

17.	Improvements. Fixtures, alterations, 
installations, or additions comprising a part of 
the insured building.

18.	Mudflow. A river of liquid and flowing mud on 
the surfaces of normally dry land areas, as when 
earth is carried by a current of water. Other 
earth movements, such as landslide, slope 
failure, or a saturated soil mass moving by 
liquidity down a slope, are not mudflows.

19.	National Flood Insurance Program (NFIP). 
The program of flood insurance coverage and 
floodplain management administered under the 
Act and applicable Federal regulations in Title 
44 of the Code of Federal Regulations, 
Subchapter B.

20.	Policy. The entire written contract between you 
and us.  It includes:

a.	This printed form;

b.	The application and Declarations Page;

c.	 Any endorsement(s) that may be issued; 
and 

d.	Any renewal certificate indicating that 
coverage has been instituted for a new 
policy and new policy term.

Only one building, which you specifically 
described in the application, may be insured 
under this policy.

21.	Pollutants. Substances that include, but are not 
limited to, any solid, liquid, gaseous, or thermal 
irritant or contaminant, including smoke, vapor, 
soot, fumes, acids, alkalis, chemicals, and 
waste. "Waste" includes, but is not limited to, 
materials to be recycled, reconditioned, or 
reclaimed.

22.	Post-FIRM Building. A building for which 
construction or substantial improvement 
occurred 


after December 31, 1974, or on or after the 
effective date of an initial Flood Insurance Rate 
Map (FIRM), whichever is later.

23.	Probation Premium. A flat charge you must 
pay on each new or renewal policy issued 
covering property in a community that the NFIP 
has placed on probation under the provisions of 
44 CFR 59.24.

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

25.	Residential Condominium Building. A 
building, owned and administered as a 
condominium, containing one or more family 
units and in which at least 75 percent of the 
floor area is residential.

26.	Special Flood Hazard Area. An area having 
special flood, or mudflow, and/or flood-related 
erosion hazards, and shown on a Flood Hazard 
Boundary Map or Flood Insurance Rate Map as 
Zone A, AO, A1-A30, AE, A99, AH, AR, AR/A, 
AR/AE, AR/AH, AR/AO, AR/A1-A30, V1-V30, 
VE, or V.

27.	Stock. Merchandise held in storage or for sale, 
raw materials, and in-process or finished goods, 
including supplies used in their packing or 
shipping. Stock does not include any property 
not covered under Section IV. Property Not 
Covered, except the following:

a.	Parts and equipment for self-propelled 
vehicles;

b.	Furnishings and equipment for watercraft;

c.	Spas and hot-tubs, including their equipment; 
and

d.	Swimming pool equipment.

28.	Unit. A unit in a condominium building.

29.	Valued Policy. A policy in which the insured 
and the insurer agree on the value of the 
property insured, that value being payable in the 
event of a total loss. The Standard Flood 
Insurance Policy is not a valued policy.






III.  PROPERTY COVERED




A.	COVERAGE A - BUILDING PROPERTY

We insure against direct physical loss by or from 
flood to:

1.	The building described on the Declarations 
Page at the described location. If the building 
is a condominium building and the named 
insured is the condominium association, 
Coverage A includes all units within the 
building and the improvements within the 
units, provided the units are owned in common 
by all unit owners.

2.	We also insure building property for a period of 
45 days at another location, as set forth in 
III.C.2.b., Property Removed to Safety.

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

4.	The following fixtures, machinery, and 
equipment, which are covered under Coverage 
A only:

a.	Awnings and canopies;
b.	Blinds;
c.	Carpet permanently installed over unfinished 
flooring;
d.	Central air conditioners;
e.	Elevator equipment;
f.	Fire extinguishing apparatus;
g.	Fire sprinkler systems;
h.	Walk-in freezers;
i.	Furnaces;
j.	Light fixtures;
k.	Outdoor antennas and aerials attached to 
buildings;
l.	Permanently installed cupboards, 
bookcases, paneling, and wallpaper;
m.	Pumps and machinery for operating pumps;
n.	Ventilating equipment; 
o.	Wall mirrors, permanently installed; and
p.	In the units within the building, installed:
	
(1)	Built-in dishwashers;
(2)	Built-in microwave ovens;
(3)	Garbage disposal units;
(4)	Hot water heaters, including solar water 
heaters;
(5)	Kitchen cabinets;
(6)	Plumbing fixtures;
(7)	Radiators;
(8)	Ranges;
(9)	Refrigerators; and
(10)	Stoves.


5.	Materials and supplies to be used for 
construction, alteration, or repair of the insured 
building while the materials and supplies are 
stored in a fully enclosed building at the 
described location or on an adjacent property.

6.	A building under construction, alteration, or 
repair at the described location.

a.	If the structure is not yet walled or roofed as 
described in the definition for building (see 
II.B. 6.a.), then coverage applies:

(1)	Only while such work is in progress; or
(2)	If such work is halted, only for a period 
of up to 90 continuous days thereafter.
b.	However, coverage does not apply until the 
building is walled and roofed if the lowest 
floor, including the basement floor, of a non-
elevated building or the lowest elevated 
floor of an elevated building is:
(1)	Below the base flood elevation in 
Zones AH, AE, A1-A30, AR, AR/AE, 
AR/AH, AR/A1-A30, AR/A, AR/AO; or
(2)	Below the base flood elevation 
adjusted to include the effect of wave 
action in Zones VE or V1-V30. 

The lowest floor levels are based on the 
bottom of the lowest horizontal structural 
member of the floor in Zones VE or V1-V30 
and the top of the floor in Zones AH, AE, A1-
A30, AR, AR/AE, AR/AH, AR/A1-A30, AR/A, 
AR/AO.
7.	A manufactured home or a travel trailer as 
described in the Definitions section (see 
II.B.6.b.and II.B.6.c.).

If the manufactured home or travel trailer is in a 
special flood hazard area, it must be anchored 
in the following manner at the time of the loss:

a.	By over-the-top or frame ties to ground 
anchors; or

b.	In accordance with the manufacturer's 
speci-fications; or

c.	In compliance with the community's 
floodplain management requirements

unless it has been continuously insured by the 
NFIP at the same described location since 
September 30, 1982.

8.	Items of property in a building enclosure below 
the lowest elevated floor of an elevated post-
FIRM building located in Zones A1-A30, AE, 
AH, AR, 


AR/A, AR/AE, AR/AH, AR/A1-A30, V1-V30, or 
VE, or in a basement, regardless of the zone. 
Coverage is limited to the following:

a.	Any of the following items, if installed in their 
functioning locations and, if necessary for 
operation, connected to a power source:

(1)	Central air conditioners;
(2)	Cisterns and the water in them;
(3)	Drywall for walls and ceilings in a 
basement and the cost of labor to nail 
it, unfinished and unfloated and not 
taped, to the framing;
(4)	Electrical junction and circuit breaker 
boxes;
(5)	Electrical outlets and switches;
(6)	Elevators, dumbwaiters, and related 
equip-ment, except for related 
equipment installed below the base 
flood elevation after September 30, 
1987;
(7)	Fuel tanks and the fuel in them;
(8)	Furnaces and hot water heaters;
(9)	Heat pumps;
(10)	Nonflammable insulation in a 
basement;
(11)	Pumps and tanks used in solar energy 
systems;
(12)	Stairways and staircases attached to the 
building, not separated from it by 
elevated walkways;
(13)	Sump pumps;
(14)	Water softeners and the chemicals in 
them, water filters, and faucets installed 
as an integral part of the plumbing 
system;
(15)	Well water tanks and pumps; 
(16)	Required utility connections for any item 
in this list; and
(17)	Footings, foundations, posts, pilings, 
piers, or other foundation walls and 
anchorage systems required to support 
a building.

b.	Clean-up.

B.	COVERAGE B - PERSONAL PROPERTY

1.	If you have purchased personal property 
coverage, we insure, subject to B.2., 3., and 4. 
below, against direct physical loss by or from 
flood to personal property inside a fully 
enclosed insured building:

a.	Owned solely by you, or in the case of a 
condominium, owned solely by the con-
dominium association and used 
exclusively in the conduct of the business 
affairs of the condominium association; or

b.	Owned in common by the unit owners of the 
condominium association.

We also insure such personal property for 45 
days while stored at a temporary location, as set 
forth in III.C.2.b. Property Removed to Safety.


2.	When this policy covers personal property, 
coverage will be either for household personal 
property or other than household personal 
property, while within the insured building, but 
not both.

a.	If this policy covers household personal 
property, it will insure household personal 
property usual to a living quarters, that:

(1)	Belongs to you, or a member of your 
household, or at your option:

(a)	Your domestic worker;

(b)	Your guest; or

(2)	You may be legally liable for.

b.	If this policy covers other than household 
personal property, it will insure your:

(1)	Furniture and fixtures;

(2)	Machinery and equipment;

(3)	Stock; and

(4)	Other personal property owned by you 
and used in your business, subject to IV. 
Property Not Covered.

3.	Coverage for personal property includes the 
following property, subject to B.1.a. and B.1.b. 
above, which is covered under Coverage B only:

a.	Air conditioning units installed in the 
building;
b.	Carpet, not permanently installed, over 
unfinished flooring;
c.	Carpets over finished flooring;
d.	Clothes washers and dryers;
e.	"Cook-out" grills;
f.	Food freezers, other than walk-in, and food 
in any freezer;
g.	Outdoor equipment and furniture stored 
inside the insured building;
h.	Ovens and the like; and
i.	Portable microwave ovens and portable 
dishwashers.

4.	Coverage for items of property in a building 
enclosure below the lowest elevated floor of an 
elevated post-FIRM building located in Zones 
A1-A30, AE, AH, AR, AR/A, AR/AE, AR/AH, 
AR/A1-A30, V1-V30, or VE, or in a basement, 
regardless of the zone, is limited to the following 
items, if installed in their functioning locations 
and, if necessary for operation, connected to a 
power source:

a.	Air conditioning units, portable or window type;
b.	Clothes washers and dryers; and
c.	Food freezers, other than walk-in, and food in 
any freezer.



5.	Special Limits. We will pay no more than 
$2,500 for any loss to one or more of the 
following kinds of personal property:

a.	Artwork, photographs, collectibles, or 
memorabilia, including but not limited to, 
porcelain or other figures, and sports cards;
	
b.	Rare books or autographed items;
	
c.	Jewelry, watches, precious and 
semiprecious stones, or articles of gold, 
silver, or platinum; 
	
d.	Furs or any article containing fur which 
represents its principal value.

6.	We will pay only for the functional value of 
antiques.

7.	If you are a tenant, you may apply up to 10 
percent of the Coverage B limit to 
improvements:

a.	Made a part of the building you occupy; 
and

b.	You acquired or made at your expense, 
even though you cannot legally remove 
them.

This coverage does not increase the amount of 
insurance that applies to insured personal 
property.

8.	If you are a condominium unit owner, you may 
apply up to 10 percent of the Coverage B limit to 
cover loss to interior:

a.	Walls;

b.	Floors; and

c.	Ceilings;

that are not covered under a policy issued to 
the condominium association insuring the 
condo-minium building.

This coverage does not increase the amount of 
insurance that applies to insured personal 
property.

9.	If you are a tenant, personal property must be 
inside the fully enclosed building.

C.	COVERAGE C - OTHER COVERAGES

1.	Debris Removal

a.	We will pay the expense to remove non-
owned debris on or in insured property and 
owned debris anywhere. 

b.	If you or a member of your household 
perform the removal work, the value of your 
work will be based on the Federal minimum 
wage.

c.	This coverage does not increase the 
Coverage A or Coverage B limit of liability.


2.	Loss Avoidance Measures

a.	Sandbags, Supplies, and Labor

(1)	We will pay up to $1,000 for the costs 
you incur to protect the insured building 
from a flood or imminent danger of 
flood, for the following:

(a)	Your reasonable expenses to buy:

(i)	Sandbags, including sand to fill 
them; 

(ii)	Fill for temporary levees;

(iii)	Pumps; and

(iv)	Plastic sheeting and lumber 
used in connection with these 
items; and

(b)	The value of work, at the Federal 
minimum wage, that you perform.

(2)	This coverage for Sandbags, Supplies, 
and Labor only applies if damage to 
insured property by or from flood is 
imminent and the threat of flood 
damage is apparent enough to lead a 
person of common prudence to 
anticipate flood damage. One of the 
following must also occur: 

(a)	A general and temporary condition 
of flooding in the area near the 
described location must occur, 
even if the flood does not reach the 
insured building; or

(b)	A legally authorized official must 
issue an evacuation order or other 
civil order for the community in 
which the insured building is 
located calling for measures to 
preserve life and property from the 
peril of flood.

This coverage does not increase the 
Coverage A or Coverage B limit of liability.

b.	Property Removed to Safety

(1)	We will pay up to $1,000 for the reasonable 
expenses you incur to move insured 
property to a place other than the 
described location that contains the 
property in order to protect it from flood 
or the imminent danger of flood.

Reasonable expenses include the value 
of work, at the Federal minimum wage, 
that you perform.



(2)	If you move insured property to a 
location other than the described 
location that contains the property, in 
order to protect it from flood or the 
imminent danger of flood, we will cover 
such property while at that location for a 
period of 45 consecutive days from the 
date you begin to move it there. The 
personal property that is moved must be 
placed in a fully enclosed building or 
otherwise reasonably protected from the 
elements.

Any property removed, including a moveable 
home described in II.B.6.b. and c., must be 
placed above ground level or outside of the 
special flood hazard area.

This coverage does not increase the 
Coverage A or Coverage B limit of liability.

3.	Pollution Damage

We will pay for damage caused by pollutants to 
covered property if the discharge, seepage, 
migration, release, or escape of the pollutants 
is caused by or results from flood. The most we 
will pay under this coverage is $10,000. This 
coverage does not increase the Coverage A or 
Coverage B limits of liability. Any payment under 
this provision when combined with all other 
payments for the same loss cannot exceed the 
replacement cost or actual cash value, as 
appropriate, of the covered property.  This 
coverage does not include the testing for or the 
monitoring of pollutants unless required by law 
or ordinance.

D.	COVERAGE D - INCREASED COST OF 
COMPLIANCE

1.	General

This policy pays you to comply 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 your structure.  Eligible 
floodproofing activities are limited to:

a.	Nonresidential structures.

b.	Residential structures with 
basements that satisfy FEMA's 
standards published in the Code 
of Federal Regulations [44 CFR 
60.6 (b) or (c)].

2.	Limit of Liability

We will pay you up to $30,000 under 
this Coverage D - Increased Cost of 
Compliance, which only applies to 
policies with building coverage 
(Coverage A). 


Our payment of claims under Coverage D is in 
addition to the amount of coverage which you 
selected on the application and which appears 
on the Declarations Page. But the maximum 
you can collect under this policy for both 
Coverage A - Building Property and Coverage D 
- Increased Cost of Compliance cannot exceed 
the maximum permitted under the Act. We do 
not charge a separate deductible for a claim 
under Coverage D. 

3.	Eligibility

a.	A structure covered under 
Coverage A - Building Property 
sustaining a loss caused by a 
flood as defined by this policy 
must: 

(1)	Be a "repetitive loss structure." A 
repetitive loss structure is one that 
meets the following conditions:

(a)	The structure is covered by a 
contract of flood insurance issued 
under the NFIP.

(b)	The structure has suffered flood 
damage on two occasions during a 
10-year period which ends on the 
date of the second loss.

(c)	The cost to repair the flood 
damage, on average, equaled or 
exceeded 25 percent of the market 
value of the structure at the time of 
each flood loss.

(d)	In addition to the current claim, the 
NFIP must have paid the previous 
qualifying claim, and 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

(2)	Be a structure that has had flood 
damage in which the cost to repair 
equals or exceeds 50 percent of the 
market value of the structure at the time 
of the flood. The State or community 
must have a substantial damage 
provision in its floodplain management 
law or ordinance being enforced against 
the structure. 

b.	This Coverage D pays you to 
comply with State or local 
floodplain management laws or 
ordinances that meet the minimum 
standards of the National Flood 
Insurance Program found in the 
Code of Federal Regulations at 
44 CFR 60.3.  We pay for 
compliance activities that 
exceed those standards under 
these conditions: 

(1)	3.a.(1) above.

(2)	Elevation or floodproofing in any risk 
zone to preliminary or advisory base 
flood 


elevations provided by FEMA which the 
State or local government has adopted 
and is enforcing for flood-damaged 
structures in such areas. (This includes 
compliance activities in B, C, X, or D 
zones which are being changed to 
zones with base flood elevations. This 
also includes compliance activities in 
zones where base flood elevations are 
being increased, and a flood-damaged 
structure must comply with the higher 
advisory base flood elevation.) 
Increased Cost of Compliance coverage 
does not apply to situations in B, C, X, 
or D zones where the community has 
derived its own elevations and is 
enforcing elevation or floodproofing 
requirements for flood-damaged 
structures to elevations derived solely 
by the community.

(3)	Elevation or floodproofing above the 
base flood elevation to meet State or 
local "freeboard" requirements, i.e., that 
a structure must be elevated above the 
base flood elevation.

c.	Under the minimum NFIP criteria 
at 44 CFR 60.3 (b)(4), States 
and communities must require the 
elevation or floodproofing of 
structures in unnumbered A zones 
to the base flood elevation 
where elevation data is obtained 
from a Federal, State, or other 
source. Such compliance 
activities are also eligible for 
Coverage D.

d.	This coverage will also pay for 
the incremental cost, after 
demolition or relocation, of 
elevating or floodproofing a 
structure during its rebuilding 
at the same or another site to 
meet State or local floodplain 
management laws or ordinances, 
subject to Exclusion D.5.g. 
below.

e.	This coverage will also pay to 
bring a flood-damaged structure 
into compliance with State or 
local floodplain management laws 
or ordinances even if the 
structure had received a 
variance before the present loss 
from the applicable floodplain 
management requirements. 

4.	Conditions

a.	When a structure covered under 
Coverage A - Building Property 
sustains a loss caused by a flood, 
our payment for the loss under this 
Coverage D will be for the 
increased cost to elevate, 
floodproof, relocate, or demolish 
(or any combination of these 
activities) caused by the 
enforcement of current State or 
local floodplain management 
ordinances or laws. Our payment for 
eligible demolition activities will 
be for the cost to demolish and 
clear the site of the building 
debris or a portion thereof caused 
by the


enforcement of current State or local 
floodplain management ordinances or 
laws. Eligible activities for the cost of 
clearing the site will include those 
necessary to discontinue utility service 
to the site and ensure proper 
abandonment of on-site utilities. 

b.	When the building is repaired or rebuilt, it 
must be intended for the same 
occupancy as the present building unless 
otherwise required by current floodplain 
management ordinances or laws.

5.	Exclusions

Under this Coverage D - Increased Cost of 
Compliance we will not pay for:

a.	The cost to comply with any floodplain 
management law or ordinance in 
communities participating in the 
Emergency Program.

b.	The cost associated with enforcement of 
any ordinance or law that requires any 
insured or others to test for, monitor, 
clean up, remove, contain, treat, detoxify 
or neutralize, or in any way respond to, 
or assess the effects of pollutants. 

c.	The loss in value to any insured building 
or other structure due to the 
requirements of any ordinance or law.

d.	The loss in residual value of the 
undamaged portion of a building 
demolished as a con-sequence of 
enforcement of any State or local 
floodplain management law or ordinance. 

e.	Any Increased Cost of Compliance under 
this Coverage D:

(1)	Until the building is elevated, 
floodproofed, demolished, or 
relocated on the same or to another 
premises; and 



(2)	Unless the building is elevated, flood-
proofed, demolished, or relocated as 
soon as reasonably possible after the 
loss, not to exceed 2 years. 

f.	Any code upgrade requirements, e. g., 
plumbing or electrical wiring, not specifically 
related to the State or local floodplain 
management law or ordinance.

g.	Any compliance activities needed to bring 
additions or improvements made after the 
loss occurred into compliance with State or 
local floodplain management laws or 
ordinances. 

h.	Loss due to any ordinance or law that you 
were required to comply with before the 
current loss.

i.	Any rebuilding activity to standards that do 
not meet the NFIP's minimum requirements. 
This includes any situation where the 
insured has received from the State or 
community a variance in connection with the 
current flood loss to rebuild the property to 
an elevation below the base flood elevation. 

j.	Increased Cost of Compliance for a garage or 
carport. 

k.	Any structure insured under an NFIP Group 
Flood Insurance Policy. 

l.	Assessments made by a condominium 
association on individual condominium unit 
owners to pay increased costs of repairing 
commonly owned buildings after a flood in 
compliance with State or local floodplain 
management ordinances or laws.

6.	Other Provisions

All other conditions and provisions of this policy 
apply.





IV.  PROPERTY NOT COVERED




We do not cover any of the following property:

1.	Personal property not inside the fully enclosed 
building;

2.	A building, and personal property in it, located 
entirely in, on, or over water or seaward of mean 
high tide, if it was constructed or substantially 
improved after September 30, 1982;
	
3.	Open structures, including a building used as a 
boathouse or any structure or building into 
which boats are floated, and personal property 
located in, on, or over water;
4.	Recreational vehicles other than travel trailers 
described in II.B.6.c., whether affixed to a 
permanent foundation or on wheels;

5.	Self-propelled vehicles or machines, including 
their parts and equipment. However, we do 
cover self-propelled vehicles or machines not 
licensed for use on public roads that are:

a.	Used mainly to service the described 
location, or




b.	Designed and used to assist handicapped 
persons,

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

6.	Land, land values, lawns, trees, shrubs, plants, 
growing crops, or animals;

7.	Accounts, bills, coins, currency, deeds, 
evidences of debt, medals, money, scrip, stored 
value cards, postage stamps, securities, bullion, 
manuscripts, or other valuable papers;

8.	Underground structures and equipment, 
including wells, septic tanks, and septic 
systems;
	
9.	Those portions of walks, walkways, decks, 
driveways, patios, and other surfaces, all 
whether protected by a roof or not, located 
outside the perimeter, exterior walls of the 
insured building;
	
10.	Containers, including related equipment, such 
as, but not limited to, tanks containing gases or 
liquids;
	
11.	Buildings or units and all their contents if more 
than 49 percent of the actual cash value of the 
building or unit is below ground, unless the 
lowest level is at or above the base flood 
elevation and is below 


ground by reason of earth having been used as 
insulation material in conjunction with energy 
efficient building techniques;
	
12.	Fences, retaining walls, seawalls, bulkheads, 
wharves, piers, bridges, and docks;
	
13.	Aircraft or watercraft, or their furnishings and 
equipment;

14.	Hot tubs and spas that are not bathroom 
fixtures, and swimming pools, and their 
equipment such as, but not limited to, heaters, 
filters, pumps, and pipes, wherever located;
	
15.	Property not eligible for flood insurance pursuant 
to the provisions of the Coastal Barrier 
Resources Act and the Coastal Barrier 
Improvement Act of 1990 and amendments to 
these acts; 

16.	Personal property owned by or in the care, 
custody, or control of a unit owner, except for 
property of the type and under the 
circumstances set forth under Coverage B - 
Personal Property;

17.	A residential condominium building located in 
a Regular Program community.






V.  EXCLUSIONS




A.	We only provide coverage for direct physical 
loss by or from flood, which means that we do 
not pay you for:

1.	Loss of revenue or profits; 

2.	Loss of access to the insured property or 
described location;

3.	Loss of use of the insured property or described 
location;

4.	Loss from interruption of business or production;

5.	Any additional living expenses incurred while the 
insured building is being repaired or is unable 
to be occupied for any reason; 

6.	The cost of complying with any ordinance or law 
requiring or regulating the construction, 
demolition, remodeling, renovation, or repair of 
property, including removal of any resulting 
debris. This exclusion does not apply to any 
eligible activities that we describe in Coverage D 
- Increased Cost of Compliance; or




7.	Any other economic loss.

B.	We do not insure a loss directly or indirectly 
caused by a flood that is already in progress at 
the date and time:

1.	The policy term begins; or

2.	Coverage is added at your request.

C.	We do not insure for loss to property caused 
directly by earth movement even if the earth 
movement is caused by flood. Some examples 
of earth movement that we do not cover are:

1.	Earthquake;

2.	Landslide;

3.	Land subsidence;

4.	Sinkholes;

5.	Destabilization or movement of land that results 
from accumulation of water in subsurface land 
areas; or



6.	Gradual erosion.

We do, however, pay for losses from mudflow and 
land subsidence as a result of erosion that are 
specifically covered under our definition of flood 
(see II.A.1.c. and II.A.2.).

D.	We do not insure for direct physical loss caused 
directly or indirectly by:

1.	The pressure or weight of ice;

2.	Freezing or thawing;

3.	Rain, snow, sleet, hail, or water spray;

4.	Water, moisture, mildew, or mold damage that 
results primarily from any condition:

a.	Substantially confined to the insured 
building; or 

b.	That is within your control including, but not 
limited to:

(1)	Design, structural, or mechanical 
defects; 

(2)	Failure, stoppage, or breakage of water 
or sewer lines, drains, pumps, fixtures, 
or equipment; or

(3)	Failure to inspect and maintain the 
property after a flood recedes;

5.	Water or waterborne material that:

a.	Backs up through sewers or drains;


b.	Discharges or overflows from a sump, sump 
pump, or related equipment; or

c.	Seeps or leaks on or through insured 
property;

unless there is a flood in the area and the flood 
is the proximate cause of the sewer or drain 
backup, sump pump discharge or overflow, or 
the seepage of water;

6.	The pressure or weight of water unless there is 
a flood in the area and the flood is the 
proximate cause of the damage from the 
pressure or weight of water;

7.	Power, heating, or cooling failure unless the 
failure results from direct physical loss by or 
from flood to power, heating, or cooling 
equipment situated on the described location;

8.	Theft, fire, explosion, wind, or windstorm;

9.	Anything you or your agent do or conspire to do 
to cause loss by flood deliberately; or

10.	Alteration of the insured property that 
significantly increases the risk of flooding.

E.	We do not insure for loss to any building or 
personal property located on land leased from 
the Federal Government, arising from or incident 
to the flooding of the land by the Federal 
Government, where the lease expressly holds 
the Federal Government harmless under flood 
insurance issued under any Federal 
Government program.





VI.  DEDUCTIBLES




A.	When a loss is covered under this policy, we 
will pay only that part of the loss that exceeds 
the applicable deductible amount, subject to the 
limit of liability that applies. The deductible 
amount is shown on the Declarations Page.

However, when a building under construction, 
alteration, or repair does not have at least two 
rigid exterior walls and a fully secured roof at the 
time of loss, your deductible amount will be two 
times the deductible that would otherwise apply 
to a completed building.



B.	In each loss from flood, separate deductibles 
apply to the building and personal property 
insured by this policy.

C.	No deductible applies to:

1.	III.C.2. Loss Avoidance Measures; or

2.	III.D.  Increased Cost of Compliance.




VII.  GENERAL CONDITIONS




A.	Pairs and Sets

In case of loss to an article that is part of a pair or 
set, we will have the option of paying you:



1.	An amount equal to the cost of replacing the 
lost, damaged, or destroyed article, less 
depreciation; or

2.	An amount that represents the fair proportion of 
the total value of the pair or set that the lost, 
damaged, or destroyed article bears to the pair 
or set.


B.	Concealment or Fraud and Policy Voidance

1.	With respect to all insureds under this policy, 
this policy: 

a.	Is void;

b.	Has no legal force or effect;

c.	Cannot be renewed; and

d.	Cannot be replaced by a new NFIP 
policy;

if, before or after a loss, you or any other insured 
or your agent have at any time:

(1)	Intentionally concealed or 
misrepresented any material fact or 
circumstance;

(2)	Engaged in fraudulent conduct; or

(3)	Made false statements;

relating to this policy or any other NFIP 
insurance.

2.	This policy will be void as of the date the 
wrongful acts described in B.1. above were 
committed. 

3.	Fines, civil penalties, and imprisonment under 
applicable Federal laws may also apply to the 
acts of fraud or concealment described above.

4.	This policy is also void for reasons other than 
fraud, misrepresentation, or wrongful act. This 
policy is void from its inception and has no legal 
force under the following conditions:

a.	If the property is located in a community that 
was not participating in the NFIP on the 
policy's inception date and did not join or 
reenter the program during the policy term 
and before the loss occurred; or

b.	If the property listed on the application is 
otherwise not eligible for coverage under the 
NFIP.

C.	Other Insurance

1.	If a loss covered by this policy is also covered 
by other insurance that includes flood coverage 
not issued under the Act, we will not pay more 
than the amount of insurance that you are 
entitled to for lost, damaged, or destroyed 
property insured under this policy subject to the 
following: 

a.	We will pay only the proportion of the 
loss that the amount of insurance that 
applies under this policy bears to the total 
amount of insurance covering the loss, 
unless C.1.b. or c. immediately below 
applies.



b.	If the other policy has a provision stating 
that it is excess insurance, this policy will be 
primary.

c.	This policy will be primary (but subject 
to its own deductible) up to the deductible in 
the other flood policy (except another policy 
as described in C.1.b. above). When the 
other deductible amount is reached, this 
policy will participate in the same proportion 
that the amount of insurance under this 
policy bears to the total amount of both 
policies, for the remainder of the loss. 

2.	If this policy covers a condominium 
association and there is a flood insurance 
policy in the name of a unit owner that covers 
the same loss as this policy, then this policy 
will be primary.

D.	Amendments, Waivers, Assignment

This policy cannot be changed nor can any of its 
provisions be waived without the express written 
consent of the Federal Insurance Administrator. No 
action that we take under the terms of this policy 
can constitute a waiver of any of our rights. You may 
assign this policy in writing when you transfer title of 
your property to someone else, except under these 
conditions:

1.	When this policy covers only personal property; 
or

2.	When this policy covers a structure during the 
course of construction.
E.	Cancellation of Policy by You

1.	You may cancel this policy in accordance with 
the applicable rules and regulations of the NFIP.

2.	If you cancel this policy, you may be entitled to 
a full or partial refund of premium also under the 
applicable rules and regulations of the NFIP.

F.	Nonrenewal of the Policy by Us

Your policy will not be renewed:

1.	If the community where your covered property is 
located stops participating in the NFIP; or

2.	If your building has been declared ineligible 
under Section 1316 of the Act.

G.	Reduction and Reformation of Coverage

1.	If the premium we received from you was not 
enough to buy the kind and amount of coverage 
you requested, we will provide only the amount 
of coverage that can be purchased for the 
premium payment we received.


2.	The policy can be reformed to increase the 
amount of coverage resulting from the reduction 
described in G.1. above to the amount you 
requested as follows:

a.	Discovery of insufficient premium or 
incomplete rating information before a loss.

(1)	If we discover before you have a flood 
loss that your premium payment was not 
enough to buy the requested amount of 
coverage, we will send you and any 
mortgagee or trustee known to us a bill 
for the required additional premium for 
the current policy term (or that portion 
of the current policy term following any 
endorsement changing the amount of 
coverage). If you or the mortgagee or 
trustee pay the additional premium 
within 30 days from the date of our bill, 
we will reform the policy to increase the 
amount of coverage to the originally 
requested amount effective to the 
beginning of the current policy term (or 
subsequent date of any endorsement 
changing the amount of coverage).

(2)	If we determine before you have a flood 
loss that the rating information we have 
is incomplete and prevents us from 
calculating the additional premium, we 
will ask you to send the required 
information.  You must submit the 
information within 60 days of our 
request.  Once we determine the 
amount of additional premium for the 
current policy term, we will follow the 
procedure in G.2.a.(1) above.

(3)	If we do not receive the additional 
premium (or additional information) by 
the date it is due, the amount of 
coverage can only be increased by 
endorsement subject to any appropriate 
waiting period.

b.	Discovery of insufficient premium or 
incomplete rating information after a loss.

(1)	If we discover after you have a flood 
loss that your premium payment was not 
enough to buy the requested amount of 
coverage, we will send you and any 
mortgagee or trustee known to us a bill 
for the required additional premium for 
the current and the prior policy terms. If 
you or the mortgagee or trustee pay the 
additional premium within 30 days from 
the date of our bill, we will reform the 
policy to increase the amount of 
coverage to the originally requested 
amount effective to the beginning of the 
prior policy term.

(2)	If we discover after you have a flood 
loss that the rating information we have 
is incomplete and prevents us from 
calculating the additional premium, we 
will ask you to send the required 
information. You must submit the 
information before your claim can be 
paid. Once we determine the amount of 
additional premium for the current and 
prior policy terms, we will follow the 
procedure in G.2.b.(1) above.

(3)	If we do not receive the additional 
premium by the date it is due, your flood 
insurance claim will be settled based on 
the reduced amount of coverage. The 
amount of coverage can only be 
increased by endorsement subject to 
any appropriate waiting period.

3.	However, if we find that you or your agent 
intentionally did not tell us, or falsified, any 
important fact or circumstance or did anything 
fraudulent relating to this insurance, the 
provisions of Condition B. Concealment or 
Fraud and Policy Voidance apply.

H.	Policy Renewal 

1.	This policy will expire at 12:01 a.m. on the last 
day of the policy term.

2.	We must receive the payment of the appropriate 
renewal premium within 30 days of the 
expiration date.

3.	If we find, however, that we did not place your 
renewal notice into the U.S. Postal Service, or if 
we did mail it, we made a mistake, e.g., we used 
an incorrect, incomplete, or illegible address, 
which delayed its delivery to you before the due 
date for the renewal premium, then we will follow 
these procedures:

a.	If you or your agent notified us, not later 
than one year after the date on which the 
payment of the renewal premium was due, 
of nonreceipt of a renewal notice before the 
due date for the renewal premium, and we 
determine that the circumstances in the 
preceding paragraph apply, we will mail a 
second bill providing a revised due date, 
which will be 30 days after the date on which 
the bill is mailed.

b.	If we do not receive the premium requested 
in the second bill by the revised due date, 
then we will not renew the policy. In that 
case, the policy will remain an expired 
policy as of the expiration date shown on 
the Declarations Page.

4.	In connection with the renewal of this policy, we 
may ask you during the policy term to recertify, 
on a Recertification Questionnaire that we will 
provide to you, the rating information used to 
rate your most recent application for or renewal 
of insurance.

I.	Conditions Suspending or Restricting 
Insurance

We are not liable for loss that occurs while there is a 
hazard that is increased by any means within your 
control or knowledge.


J.	Requirements in Case of Loss

In case of a flood loss to insured property, you 
must:

1.	Give prompt written notice to us;

2.	As soon as reasonably possible, separate the 
damaged and undamaged property, putting it in 
the best possible order so that we may examine 
it;

3.	Prepare an inventory of damaged property 
showing the quantity, description, actual cash 
value, and amount of loss. Attach all bills, 
receipts, and related documents;

4.	Within 60 days after the loss, send us a proof of 
loss, which is your statement of the amount you 
are claiming under the policy signed and sworn 
to by you, and which furnishes us with the 
following information:

a.	The date and time of loss;

b.	A brief explanation of how the loss happened;

c.	Your interest (for example, "owner") and the 
interest, if any, of others in the damaged 
property; 

d.	Details of any other insurance that may cover 
the loss;

e.	Changes in title or occupancy of the insured 
property during the term of the policy;

f.	Specifications of damaged buildings and 
detailed repair estimates;

g.	Names of mortgagees or anyone else having a 
lien, charge, or claim against the insured 
property;

h.	Details about who occupied any insured 
building at the time of loss and for what 
purpose; and

i.	The inventory of damaged property described in 
J.3. above.

5.	In completing the proof of loss, you must use 
your own judgment concerning the amount of 
loss and justify that amount.

6.	You must cooperate with the adjuster or 
representative in the investigation of the claim.

7.	The insurance adjuster whom we hire to 
investigate your claim may furnish you with a 
proof of loss form, and she or he may help you 
complete it.  However, this is a matter of 
courtesy only, and you must still send us a proof 
of loss within 60 days after the loss even if the 
adjuster does not furnish the form or help you 
complete it.

8.	We have not authorized the adjuster to approve 
or disapprove claims or to tell you whether we 
will approve your claim.

9.	At our option, we may accept the adjuster's 
report of the loss instead of your proof of loss. 
The adjuster's report will include information 
about your loss and the damages you sustained. 
You must sign the adjuster's report. At our 
option, we may require you to swear to the 
report.

K.	Our Options After a Loss

Options we may, in our sole discretion, exercise 
after loss include the following:

1.	At such reasonable times and places that we 
may designate, you must:

a.	Show us or our representative the damaged 
property;

b.	Submit to examination under oath, while not 
in the presence of another insured, and sign 
the same; and

c.	Permit us to examine and make extracts and 
copies of:

(1)	Any policies of property insurance 
insuring you against loss and the deed 
establishing your ownership of the 
insured real property;

(2)	Condominium association documents 
including the Declarations of the 
condominium, its Articles of 
Association or Incorporation, Bylaws, 
and rules and regulations; and

(3)	All books of accounts, bills, invoices and 
other vouchers, or certified copies 
pertaining to the damaged property if 
the originals are lost.

2.	We may request, in writing, that you furnish us 
with a complete inventory of the lost, damaged, 
or destroyed property, including:

a.	Quantities and costs;

b.	Actual cash values;

c.	Amounts of loss claimed; 

d.	Any written plans and specifications for 
repair of the damaged property that you can 
reasonably make available to us; and

e.	Evidence that prior flood damage has been 
repaired.

3.	If we give you written notice within 30 days after 
we receive your signed, sworn proof of loss, we 
may:


a.	Repair, rebuild, or replace any part of the 
lost, damaged, or destroyed property with 
material or property of like kind and quality 
or its functional equivalent; and

b.	Take all or any part of the damaged property 
at the value we agree upon or its appraised 
value.

L.	No Benefit to Bailee

No person or organization, other than you, having 
custody of covered property will benefit from this 
insurance.

M.	Loss Payment

1.	We will adjust all losses with you.  We will pay 
you unless some other person or entity is named 
in the policy or is legally entitled to receive 
payment. Loss will be payable 60 days after we 
receive your proof of loss (or within 90 days after 
the insurance adjuster files an adjuster's report 
signed and sworn to by you in lieu of a proof of 
loss) and:

a.	We reach an agreement with you;

b.	There is an entry of a final judgment; or

c.	There is a filing of an appraisal award with 
us, as provided in VII.P.

2.	If we reject your proof of loss in whole or in part 
you may:

a.	Accept such denial of your claim;

b.	Exercise your rights under this policy; or

c.	File an amended proof of loss, as long as it 
is filed within 60 days of the date of the loss.

N.	Abandonment

You may not abandon damaged or undamaged 
insured property to us.

O.	Salvage

We may permit you to keep damaged insured 
property after a loss, and we will reduce the amount 
of the loss proceeds payable to you under the 
policy by the value of the salvage.

P.	Appraisal

If you and we fail to agree on the actual cash value 
of the damaged property so as to determine the 
amount of loss, either may demand an appraisal of 
the loss. In this event, you and we will each choose 
a competent and impartial appraiser within 20 days 
after receiving a written request from the other. The 
two appraisers will choose an umpire. If they cannot 
agree upon an umpire within 15 days, you or we 
may request that the choice be made by a judge of a 
court of record in the State where the insured 
property is 


located. The appraisers will separately state the 
actual cash value and the amount of loss to each 
item. If the appraisers submit a written report of an 
agreement to us, the amount agreed upon will be 
the amount of loss. If they fail to agree, they will 
submit their differences to the umpire. A decision 
agreed to by any two will set the amount of actual 
cash value and loss.

Each party will:

1.	Pay its own appraiser; and

2.	Bear the other expenses of the appraisal and 
umpire equally.

Q.	Mortgage Clause 

The word "mortgagee" includes trustee.

Any loss payable under Coverage A - Building 
Property will be paid to any mortgagee of whom we 
have actual notice as well as any other mortgagee 
or loss payee determined to exist at the time of loss, 
and you, as interests appear. If more than one 
mortgagee is named, the order of payment will be 
the same as the order of precedence of the 
mortgages.

If we deny your claim, that denial will not apply to a 
valid claim of the mortgagee, if the mortgagee:

1.	Notifies us of any change in the ownership or 
occupancy, or substantial change in risk of 
which the mortgagee is aware;

2.	Pays any premium due under this policy on 
demand if you have neglected to pay the 
premium; and

3.	Submits a signed, sworn proof of loss within 60 
days after receiving notice from us of your failure 
to do so.

All of the terms of this policy apply to the 
mortgagee.

The mortgagee has the right to receive loss payment 
even if the mortgagee has started foreclosure or 
similar action on the building.

If we decide to cancel or not renew this policy, it will 
continue in effect for the benefit of the mortgagee 
only for 30 days after we notify the mortgagee of the 
cancellation or nonrenewal.

If we pay the mortgagee for any loss and deny 
payment to you, we are subrogated to all the rights 
of the mortgagee granted under the mortgage on the 
property.  Subrogation will not impair the right of the 
mortgagee to recover the full amount of the 
mortgagee's claim.

R.	Suit Against Us 

You may not sue us to recover money under this 
policy unless you have complied with all the 
requirements of the policy. If you do sue, you must 
start the suit within one year of the date of the 
written denial of all or part of the 


claim, and you must file the suit in the United States 
District Court of the district in which the insured 
property was located at the time of loss.  This 
requirement applies to any claim that you may have 
under this policy and to any dispute that you may 
have arising out of the handling of any claim under 
the policy.

S.	Subrogation

Whenever we make a payment for a loss under this 
policy, we are subrogated to your right to recover 
for that loss from any other person.  That means that 
your right to recover for a loss that was partly or 
totally caused by someone else is automatically 
transferred to us, to the extent that we have paid you 
for the loss. We may require you to acknowledge 
this transfer in writing. After the loss, you may not 
give up our right to recover this money or do 
anything that would prevent us from recovering it.  If 
you make any claim against any person who caused 
your loss and recover any money, you must pay us 
back first before you may keep any of that money.

T.	Continuous Lake Flooding

1.	If your insured building has been flooded by 
rising lake waters continuously for 90 days or 
more and it appears reasonably certain that a 
continuation of this flooding will result in a 
covered loss to the insured building equal to or 
greater than the building policy limits plus the 
deductible or the maximum payable under the 
policy for any one building loss, we will pay 
you the lesser of these two amounts without 
waiting for the further damage to occur if you 
sign a release agreeing:

a.	To make no further claim under this policy;

b.	Not to seek renewal of this policy;

c.	Not to apply for any flood insurance under 
the Act for property at the described 
location; and

d.	Not to seek a premium refund for current or 
prior terms.

If the policy term ends before the insured 
building has been flooded continuously for 90 
days, the provisions of this paragraph T.1. will 
apply when the insured building suffers a 
covered loss before the policy term ends.

2.	If your insured building is subject to continuous 
lake flooding from a closed basin lake, you may 
elect to file a claim under either paragraph T.1. 
above or this paragraph T.2. (A "closed basin 
lake" is a natural lake from which water leaves 
primarily through evaporation and whose surface 
area now exceeds or has exceeded one square 
mile at any time in the recorded past. Most of the 
nation's closed basin lakes are in the western half 
of the United States, where annual evaporation 
exceeds annual precipitation and where lake 
levels and surface areas are subject to 
considerable fluctuation 


due to wide variations in the climate. These lakes 
may overtop their basins on rare occasions.) 
Under this paragraph T.2. we will pay your claim 
as if the building is a total loss even though it 
has not been continuously inundated for 90 days, 
subject to the following conditions:

a.	Lake flood waters must damage or 
imminently threaten to damage your 
building.

b.	Before approval of your claim, you must:

(1)	Agree to a claim payment that reflects 
your buying back the salvage on a 
negotiated basis; and

(2)	Grant the conservation easement 
described in FEMA's "Policy Guidance 
for Closed Basin Lakes," to be recorded 
in the office of the local recorder of 
deeds. FEMA, in consultation with the 
community in which the property is 
located, will identify on a map an area or 
areas of special consideration (ASC) in 
which there is a potential for flood 
damage from continuous lake flooding. 
FEMA will give the community the 
agreed-upon map showing the ASC. This 
easement will only apply to that portion of 
the property in the ASC. It will allow 
certain agricultural and recreational uses 
of the land. The only structures that it will 
allow on any portion of the property 
within the ASC are certain simple 
agricultural and recreational structures. If 
any of these allowable structures are 
insurable buildings under the NFIP and 
are insured under the NFIP, they will not 
be eligible for the benefits of this 
paragraph T.2. If a U.S. Army Corps of 
Engineers certified flood control project 
or otherwise certified flood control 
project later protects the property, FEMA 
will, upon request, amend the ASC to 
remove areas protected by those 
projects. The restrictions of the easement 
will then no longer apply to any portion of 
the property removed from the ASC; and

(3)	Comply with paragraphs T.1.a. through 
T.1.d. above.

c.	Within 90 days of approval of your claim, you 
must move your building to a new location 
outside the ASC. FEMA will give you an 
additional 30 days to move if you show that there 
is sufficient reason to extend the time.

d.	Before the final payment of your claim, you must 
acquire an elevation certificate and a floodplain 
development permit from the local floodplain 
administrator for the new location of your 
building.

e.	Before the approval of your claim, the community 
having jurisdiction over your building must:


(1)	Adopt a permanent land use 
ordinance, or a temporary moratorium 
for a period not to exceed 6 months to 
be followed immediately by a 
permanent land use ordinance, that is 
consistent with the provisions 
specified for the easement required in 
paragraph T.2.b. above;

(2)	Agree to declare and report any 
violations of this ordinance to FEMA so 
that under Section 1316 of the National 
Flood Insurance Act of 1968, as 
amended, flood insurance to the 
building can be denied; and

(3)	Agree to maintain as deed-restricted, for 
purposes compatible with open space or 
agricultural or recreational use only, any 
affected property the community acquires 
an interest in. These deed restrictions 
must be consistent with the provisions of 
paragraph T.2.b. above, except that, 
even if a certified project protects the 
property, the land use restrictions 
continue to apply if the property was 
acquired under the Hazard Mitigation 
Grant Program or the Flood Mitigation 
Assistance Program. If a nonprofit land 
trust organization receives the property 
as a donation, that organization must 
maintain the property as deed-restricted, 
consistent with the provisions of 
paragraph T.2.b. above.

f.	Before the approval of your claim, the affected 
State must take all action set forth in FEMA's 
"Policy Guidance for Closed Basin Lakes."

g.	You must have NFIP flood insurance coverage 
continuously in effect from a date established by 
FEMA until you file a claim under this paragraph 
T.2. If a subsequent owner buys NFIP insurance 
that goes into effect within 60 days of the date of 
transfer of title, any gap in coverage during that 
60-day period will not be a violation of this 
continuous coverage requirement. For the 
purpose of honoring a claim under this paragraph 
T.2., we will not consider to be in effect any 
increased coverage that became effective after 
the date established by FEMA.  The exception to 
this is any increased coverage in the amount 
suggested by your insurer as an inflation 
adjustment.

h.	This paragraph T.2. will be in effect for a 
community when the FEMA Regional Director for 
the affected region provides to the community, in 
writing, the following:

(1)	Confirmation that the community and the 
State are in compliance with the 
conditions in paragraphs T.2.e. and T.2.f. 
above; and



(2)	The date by which you must have flood 
insurance in effect.

U.	Duplicate Policies Not Allowed

1.	We will not insure your property under more 
than one NFIP policy.

If we find that the duplication was not knowingly created, 
we will give you written notice. The notice will 
advise you that you may choose one of 
several options under the following 
procedures:

a.	If you choose to keep in effect the policy 
with the earlier effective date, you may also 
choose to add the coverage limits of the 
later policy to the limits of the earlier policy. 
The change will become effective as of the 
effective date of the later policy.

b.	If you choose to keep in effect the policy 
with the later effective date, you may also 
choose to add the coverage limits of the 
earlier policy to the limits of the later policy. 
The change will be effective as of the 
effective date of the later policy.

In either case, you must pay the pro rata 
premium for the increased coverage limits within 
30 days of the written notice. In no event will the 
resulting coverage limits exceed the permissible 
limits of coverage under the Act or your 
insurable interest, whichever is less. 

We will make a refund to you, according to 
applicable NFIP rules, of the premium for the 
policy not being kept in effect.

2.	The insured's option under this Condition U. 
Duplicate Policies Not Allowed to elect which 
NFIP policy to keep in effect does not apply 
when duplicates have been knowingly created. 
Losses occurring under such circumstances will 
be adjusted according to the terms and 
conditions of the earlier policy. The policy with 
the later effective date must be canceled.

V.	Loss Settlement

We will pay the least of the following amounts after 
application of the deductible:

1.	The applicable amount of insurance under this 
policy;

2.	The actual cash value; or

3.	The amount it would cost to repair or replace the 
property with material of like kind and quality 
within a reasonable time after the loss.










VIII.  LIBERALIZATION CLAUSE




If we make a change that broadens your coverage 
under this edition of our policy, but does not require 
any additional premium, then that change will 
automatically apply to your insurance as of the date 
we implement the 


change, provided that this implementation date falls 
within 60 days before, or during, the policy term 
stated on the Declarations Page. 





IX.	WHAT LAW GOVERNS




This policy and all disputes arising from the 
handling of any claim under the policy are governed 
exclusively by the flood insurance regulations issued 
by FEMA, the 


National Flood Insurance Act of 1968, as amended 
(42 U.S.C. 4001, et seq.), and Federal common law.



__________________________________________________________________________________________
__________

IN WITNESS WHEREOF, we have signed this policy below and hereby enter into this Insurance Agreement.




 

David I. Maurstad
Acting Administrator, National Flood Insurance Program
Federal Emergency Management Agency



_____________________________________________________________________________
________

CLAIM GUIDELINES IN CASE OF A FLOOD
_____________________________________________________________________________
________

For the protection of you and your family, the following claim guidelines are provided by the 
National Flood Insurance Program (NFIP). If you are ever in doubt as to what action is needed, 
consult your insurance representative or call the NFIP toll-free at 1-800-638-6620 or on the TDD 
line at 1-800-447-9487.

Know your insurance representative's name and telephone number. List them here for fast 
reference:

Insurance Representative _________________________________

Representative's Phone Number   ______________________________

?	Notify us or your insurance representative, in writing, as soon as possible after the flood.

?	If you report to your insurance representative, remind him or her to assign the claim to an 
NFIP- approved claims adjuster.  The NFIP pays for the services of the independent claims 
adjuster assigned to your claim.

?	Determine the independent claims adjuster assigned to your claim and contact him or her if 
you have not been contacted within 24 hours after you reported the claim to your insurance 
representative. 

?	As soon as possible, separate damaged property from undamaged property so that damage 
can be inspected and evaluated.

?	Discuss with the claims adjuster any need you may have for an advance or partial payment 
for your loss.

?	To help the claims adjuster, try to take photographs of the outside of the premises showing 
the flooding and the damage and photographs of the inside of the premises showing the 
height of the water and the damaged property.

?	Place all account books, financial records, receipts, and other loss verification material in a 
safe place for examination and evaluation by the claims adjuster.

?	Work cooperatively and promptly with the claims adjuster to determine and document all 
claim items. Be prepared to advise the claims adjuster of the cause and responsible 
party(ies), if the flooding resulted from other than natural cause.

?	Make sure that the claims adjuster fully explains, and that you fully understand, all 
allowances and procedures for processing claim payments on the basis of your proof of loss. 
This policy requires you to send us detailed proof of loss within 60 days after the loss.

?	Any and all coverage problems and claim allowance restrictions must be communicated 
directly from the NFIP.  Claims adjusters are not authorized to approve or deny claims; their 
job is to report to the NFIP on the elements of flood cause and damage.

At our option, we may accept an adjuster's report of the loss instead of your proof of loss.  The 
adjuster's report will include information about your loss and the damages to your insured 
property.  You must sign the adjuster's report.  At our option, we may require you to swear to the 
report.










	F-123 (10/04)


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RESIDENTIAL CONDOMINIUM BUILDING ASSOCIATION POLICY

Summary of Significant Changes, December 31, 2000



1.	Section III. Property Covered, A. Coverage A 
-Building Property, 3.

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

2.	Section III. Property Covered, B. Coverage B 
-Personal Property, 4. Special Limits

Coverage for fine arts, collectibles, jewelry, and furs 
has been increased to $ 2500. 

3.	Section III. Property Covered, C. Coverage C 
-Other Coverages, 2.a. & b.

Coverage for the two loss avoidance measures, 
(sandbagging and relocation of property to protect it 
from flood or the imminent danger of flood) has been 
increased to $1,000 for each.

4.	Section IV.  Property Not Covered, 5.a. & b.

Coverage has been changed to pay for losses to 
self-propelled vehicles used to service the described 
location or designed to assist handicapped persons 
provided that the vehicles are in a building at the 
described location.

5.	Section IV.  Property Not Covered, 7.

Coverage is now specifically excluded for scrip and 
stored value cards. 

6.	Section IV.  Property Not Covered, 14.

Coverage for swimming pools, hot tubs, and spas 
(that are not bathroom hot tubs or spas), and their 
equipment is now excluded.

7.	Section V.  Exclusions, B.1 & 2.

The explanation of when coverage begins as it 
relates to a loss in progress has been simplified.



8.	Section V.  Exclusions, C.

Coverage has been clarified to pay for losses from 
land subsidence under certain circumstances.  
Subsidence of land along a lake shore or similar 
body of water which results from the erosion or 
undermining of the shoreline caused by waves or 
currents of water exceeding cyclical levels that result 
in a flood is now covered. All other land subsidence 
is excluded. 

9.	Section V.  Exclusions, D.4.b.(3)

Coverage is now excluded for water, moisture, 
mildew, or mold damage caused by the 
policyholder's failure to inspect and maintain the 
insured property after the flood waters recede.

10.	Section V.  Exclusions, D.6.

Coverage is now added for damage from the 
pressure of water against the insured structure with 
the requirement that there be a flood in the area and 
the flood is the proximate cause of damage from the 
pressure of water against the insured structure.

11.	Section V.  Exclusions, F.

An exclusion for the cost of testing for or monitoring 
of pollutants unless it is required by law or ordinance 
has been added.

12.	Section VIII.  General Conditions, G. 
Reduction and Reformation of Coverage, 
2.a.(2)

If it is discovered before a claim occurs that 
there is incomplete rating information, the 
policyholder has 60 days to submit missing 
rating information. Otherwise, the coverage can 
only be increased by an endorsement that is 
subject to the appropriate waiting period 
(currently 30 days). 

13.	Section VIII. General Conditions, V. Loss 
Settlement, 3. Special Loss Settlement, b.(1)

Coverage for a manufactured or mobile home or 
travel trailer eligible for replacement cost coverage is 
limited to 1.5 times its actual cash value.




FEDERAL EMERGENCY MANAGEMENT AGENCY
NATIONAL FLOOD INSURANCE PROGRAM

STANDARD FLOOD INSURANCE POLICY

RESIDENTIAL CONDOMINIUM BUILDING
ASSOCIATION POLICY

PLEASE READ THE POLICY CAREFULLY.  THE FLOOD INSURANCE PROVIDED IS SUBJECT TO 
LIMITATIONS, RESTRICTIONS, AND EXCLUSIONS.


THIS POLICY COVERS ONLY A RESIDENTIAL CONDOMINIUM BUILDING IN A REGULAR PROGRAM 
COMMUNITY.  IF THE COMMUNITY REVERTS TO EMERGENCY PROGRAM STATUS DURING THE POLICY 
TERM AND REMAINS AN EMERGENCY PROGRAM COMMUNITY AT TIME OF RENEWAL, THIS POLICY 
CANNOT BE RENEWED.


I.  AGREEMENT




The Federal Emergency Management Agency 
(FEMA) provides flood insurance under the terms of 
the National Flood Insurance Act of 1968 and its 
amendments, and Title 44 of the Code of Federal 
Regulations (CFR).

We will pay you for direct physical loss by or from 
flood to your insured property if you:

1.	Have paid the correct premium;


2.	Comply with all terms and conditions of this 
policy; and

3.	Have furnished accurate information and 
statements.

We have the right to review the information you give 
us at any time and to revise your policy based on 
our review.





II.  DEFINITIONS





A.	In this policy, "you" and "your" refer to the 
insured(s) shown on the Declarations Page of 
this policy. "Insured(s)" includes: Any 
mortgagee and loss payee named in the 
Application and Declarations Page, as well as 
any other mortgagee or loss payee determined 
to exist at the time of loss in the order of 
precedence. "We," "us," and "our" refer to the 
insurer.

Some definitions are complex because they are 
provided as they appear in the law or regulations, or 
result from court cases.  The precise definitions are 
intended to protect you.

Flood, as used in this flood insurance policy, 
means:

1.	A general and temporary condition of partial or 
complete inundation of two or more acres of 
normally dry land area or of two or more 
properties (at least one of which is your 
property) from:

a.	Overflow of inland or tidal waters;

b.	Unusual and rapid accumulation or runoff of 
surface waters from any source;

c.	Mudflow.
2.	Collapse or subsidence of land along the shore 
of a lake or similar body of water as a result of 
erosion or undermining caused by waves or 
currents of water exceeding anticipated cyclical 
levels that result in a flood as defined in A.1.a. 
above.

B.	The following are the other key definitions that 
we use in this policy:

1.	Act. The National Flood Insurance Act of 1968 
and any amendments to it.

2.	Actual Cash Value. The cost to replace an 
insured item of property at the time of loss, less 
the value of its physical depreciation.

3.	Application. The statement made and signed 
by you or your agent in applying for this policy. 
The application gives information that we use 
to determine the eligibility of the risk, the kind of 
policy to be issued, and the correct premium 
payment. The application is part of this flood 
insurance policy. For us to issue you a policy, 
the correct premium payment must accompany 
the application.

4.	Base Flood. A flood having a one percent 
chance of being equaled or exceeded in any 
given year.


5.	Basement. Any area of the building, including 
any sunken room or sunken portion of a room, 
having its floor below ground level (subgrade) on 
all sides.

6.	Building.

a.	A structure with two or more outside rigid 
walls and a fully secured roof, that is affixed 
to a permanent site;

b.	A manufactured home (a "manufactured 
home," also known as a mobile home, is a 
structure built on a permanent chassis, 
transported to its site in one or more 
sections, and affixed to a permanent 
foundation); or

c.	A travel trailer without wheels, built on a 
chassis and affixed to a permanent 
foundation, that is regulated under the 
community's floodplain management and 
building ordinances or laws.

Building does not mean a gas or liquid storage 
tank or a recreational vehicle, park trailer, or 
other similar vehicle, except as described in 
B.6.c. above. 

7.	Cancellation. The ending of the insurance 
coverage provided by this policy before the 
expiration date.

8.	Condominium. That form of ownership of real 
property in which each unit owner has an 
undivided interest in common elements.

9.	Condominium Association. The entity made 
up of the unit owners responsible for the 
maintenance and operation of:

a.	Common elements owned in undivided 
shares by unit owners; and

b.	Other real property in which the unit owners 
have use rights;

where membership in the entity is a required 
condition of unit ownership.

10.	Declarations Page. A computer-generated 
summary of information you provided in the 
application for insurance. The Declarations 
Page also describes the term of the policy, 
limits of coverage, and displays the premium 
and our name. The Declarations Page is a part 
of this flood insurance policy.

11.	Described Location. The location where the 
insured building or personal property are found. 
The described location is shown on the 
Declarations Page.

12.	Direct Physical Loss By or From Flood. Loss 
or damage to insured property, directly caused 
by a flood. There must be evidence of physical 
changes to the property.



13.	Elevated Building. A building that has no 
basement and that has its lowest elevated floor 
raised above ground level by foundation walls, 
shear walls, posts, piers, pilings, or columns.

14.	Emergency Program. The initial phase of a 
community's participation in the National Flood 
Insurance Program. During this phase, only 
limited amounts of insurance are available under 
the Act.

15.	Expense Constant. A flat charge you must pay 
on each new or renewal policy to defray the 
expenses of the Federal Government related to 
flood insurance. 

16.	Federal Policy Fee. A flat charge you must pay 
on each new or renewal policy to defray certain 
administrative expenses incurred in carrying out 
the National Flood Insurance Program. This 
fee covers expenses not covered by the 
expense constant.

17.	Improvements. Fixtures, alterations, 
installations, or additions comprising a part of 
the residential condominium building, 
including improvements in the units.

18.	Mudflow. A river of liquid and flowing mud on 
the surfaces of normally dry land areas, as when 
earth is carried by a current of water. Other 
earth movements, such as landslide, slope 
failure, or a saturated soil mass moving by 
liquidity down a slope, are not mudflows.

19.	National Flood Insurance Program (NFIP). 
The program of flood insurance coverage and 
floodplain management administered under the 
Act and applicable Federal regulations in Title 
44 of the Code of Federal Regulations, 
Subchapter B.

20.	Policy. The entire written contract between you 
and us. It includes:

a.	This printed form;

b.	The application and Declarations Page; 

c.	Any endorsement(s) that may be issued; and

d.	Any renewal certificate indicating that coverage 
has been instituted for a new policy and new 
policy term.

Only one building, which you specifically 
described in the application, may be insured 
under this policy.

21.	Pollutants. Substances that include, but are not 
limited to, any solid, liquid, gaseous, or thermal 
irritant or contaminant, including smoke, vapor, 
soot, fumes, acids, alkalis, chemicals, and 
waste. "Waste" includes, but is not limited to, 
materials to be recycled, reconditioned, or 
reclaimed.


22.	Post-FIRM Building. A building for which 
construction or substantial improvement 
occurred after December 31, 1974, or on or after 
the effective date of an initial Flood Insurance 
Rate Map (FIRM), whichever is later.

23.	Probation Premium. A flat charge you must 
pay on each new or renewal policy issued 
covering property in a community that the NFIP 
has placed on probation under the provisions of 
44 CFR 59.24.

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

25.	Residential Condominium Building. A 
building, owned and administered as a 
condominium, containing one or more family 
units and in which at least 75 percent of the 
floor area is residential.

26.	Special Flood Hazard Area. An area having 
special flood, or mudflow, and/or flood-related 
erosion hazards, and shown on a Flood Hazard 
Boundary Map or Flood Insurance Rate Map as 
Zone A, AO, A1-A30, AE, A99, AH, AR, AR/A, 
AR/AE, AR/AH, AR/AO, AR/A1-A30, V1-V30, 
VE, or V.

27.	Unit. A single-family unit in a residential 
condominium building.

28.	Valued Policy. A policy in which the insured 
and the insurer agree on the value of the 
property insured, that value being payable in the 
event of a total loss.  The Standard Flood 
Insurance Policy is not a valued policy.




III.  PROPERTY COVERED




A.	COVERAGE A - BUILDING PROPERTY

We insure against direct physical loss by or from 
flood to:

1.	The residential condominium building 
described on the Declarations Page at the 
described location, including all units within 
the building and the improvements within the 
units.

2.	We also insure such building property for a 
period of 45 days at another location, as set 
forth in III.C.2.b., Property Removed to Safety.

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

4.	The following fixtures, machinery, and 
equipment, which are covered under Coverage 
A only:

a.	Awnings and canopies;
b.	Blinds;
c.	Carpet permanently installed over unfinished 
flooring;
d.	Central air conditioners;
e.	Elevator equipment;
f.	Fire extinguishing apparatus;
g.	Fire sprinkler systems;
h.	Walk-in freezers;
i.	Furnaces;
j.	Light fixtures;


k.	Outdoor antennas and aerials fastened to 
buildings;
l.	Permanently installed cupboards, 
bookcases, paneling, and wallpaper;
m.	Pumps and machinery for operating pumps;
n.	Ventilating equipment; 
o.	Wall mirrors, permanently installed; and
p.	In the units within the building, installed:

(1)	Built-in dishwashers;
(2)	Built-in microwave ovens;
(3)	Garbage disposal units;
(4)	Hot water heaters, including solar water 
heaters;
(5)	Kitchen cabinets;
(6)	Plumbing fixtures;
(7)	Radiators;
(8)	Ranges;
(9)	Refrigerators; and
(10)	Stoves.

5.	Materials and supplies to be used for 
construction, alteration, or repair of the insured 
building while the materials and supplies are 
stored in a fully enclosed building at the 
described location or on an adjacent property.

6.	A building under construction, alteration, or 
repair at the described location.

a.	If the structure is not yet walled or roofed as 
described in the definition for building (see 
II.B.6.a.), then coverage applies:

(1)	Only while such work is in progress; or
(2)	If such work is halted, only for a period 
of up to 90 continuous days thereafter.


b.	However, coverage does not apply until the 
building is walled and roofed if the lowest 
floor, including the basement floor, of a non-
elevated building or the lowest elevated 
floor of an elevated building is:

(1)	Below the base flood elevation in 
Zones AH, AE, A1-A30, AR, AR/AE, 
AR/AH, AR/A1-A30, AR/A, AR/AO; or

(2)	Below the base flood elevation 
adjusted to include the effect of wave 
action in Zones VE or V1-V30. 

The lowest floor levels are based on the 
bottom of the lowest horizontal structural 
member of the floor in Zones VE or V1-V30 
and the top of the floor in Zones AH, AE, A1-
A30, AR, AR/AE, AR/AH, AR/A1-A30, AR/A, 
AR/AO.

7.	A manufactured home or a travel trailer as 
described in the Definitions section (see II.B.6.b. 
and II.B.6.c.)

If the manufactured home is in a special flood 
hazard area, it must be anchored in the 
following manner at the time of the loss:

a.	By over-the-top or frame ties to ground 
anchors; or

b.	In accordance with the manufacturer's 
speci-fications; or

c.	In compliance with the community's 
floodplain management requirements;

unless it has been continuously insured by the 
NFIP at the same described location since 
September 30, 1982.

8.	Items of property in a building enclosure below 
the lowest elevated floor of an elevated post-
FIRM building located in Zones A1-A30, AE, 
AH, AR, AR/A, AR/AE, AR/AH, AR/A1-A30, V1-
V30, or VE, or in a basement, regardless of the 
zone. Coverage is limited to the following:

a.	Any of the following items, if installed in their 
functioning locations and, if necessary for 
operation, connected to a power source:

(1)	Central air conditioners;
(2)	Cisterns and the water in them;
(3)	Drywall for walls and ceilings in a 
basement and the cost of labor to nail 
it, unfinished and unfloated and not 
taped, to the framing;
(4)	Electrical junction and circuit 
breaker boxes;
(5)	Electrical outlets and switches;
(6)	Elevators, dumbwaiters and related 
equip-ment, except for related 
equipment installed below the base 
flood elevation after September 30, 
1987;
(7)	Fuel tanks and the fuel in them;


(8)	Furnaces and hot water heaters;
(9)	Heat pumps;
(10)	Nonflammable insulation in a 
basement;
(11)	Pumps and tanks used in solar energy 
systems;
(12)	Stairways and staircases attached to the 
building, not separated from it by 
elevated walkways;
(13)	Sump pumps;
(14)	Water softeners and the chemicals in 
them, water filters, and faucets installed 
as an integral part of the plumbing 
system;
(15)	Well water tanks and pumps; 
(16)	Required utility connections for any item 
in this list; and
(17)	Footings, foundations, posts, pilings, 
piers, or other foundation walls and 
anchorage systems required to support 
a building.

b.	Clean-up.

B.	COVERAGE B - PERSONAL PROPERTY

1.	If you have purchased personal property 
coverage, we insure, subject to B.2. and B.3. 
below, against direct physical loss by or from 
flood to personal property that is inside the fully 
enclosed insured building and is:

a.	Owned by the unit owners of the 
condominium association in common, 
meaning property in which each unit owner 
has an undivided ownership interest; or

b.	Owned solely by the condominium 
association and used exclusively in the 
conduct of the business affairs of the 
condominium association.

We also insure such personal property for 45 
days while stored at a temporary location, as set 
forth in III.C.2.b., Property Removed to Safety.

2.	Coverage for personal property includes the 
following property, subject to paragraph B.1. 
above, which is covered under Coverage B only:

a.	Air conditioning units, portable or window 
type;
b.	Carpet, not permanently installed, over 
unfinished flooring;
c.	Carpets over finished flooring;
d.	Clothes washers and dryers;
e.	"Cook-out" grills;
f.	Food freezers, other than walk-in, and food 
in any freezer;
g.	Outdoor equipment and furniture stored 
inside the insured building;
h.	Ovens and the like; and
i.	Portable microwave ovens and portable 
dishwashers.


3.	Coverage for items of property in a building 
enclosure lower than the lowest elevated floor of 
an elevated post-FIRM building located in 
Zones A1-A30, AE, AH, AR, AR/A, AR/AE, 
AR/AH, AR/A1-A30, V1-V30, or VE, or in a 
basement, regardless of the zone, is limited to 
the following items, if installed in their 
functioning locations and, if necessary for 
operation, connected to a power source:

a.	Air conditioning units, portable or window 
type;
b.	Clothes washers and dryers; and
c.	Food freezers, other than walk-in, and food 
in any freezer.

4.	Special Limits. We will pay no more than 
$2,500 for any one loss to one or more of the 
following kinds of personal property:

a.	Artwork, photographs, collectibles, or 
memorabilia, including but not limited to, 
porcelain or other figures, and sports cards;
	
b.	Rare books or autographed items;

c.	Jewelry, watches, precious and 
semiprecious stones, or articles of gold, 
silver, or platinum; or
	
d.	Furs or any article containing fur which 
represents its principal value.

5.	We will pay only for the functional value of 
antiques.

C.	COVERAGE C - OTHER COVERAGES

1.	Debris Removal

a.	We will pay the expense to remove non-
owned debris on or in insured property and 
owned debris anywhere.

b.	If you or a member of your household 
perform the removal work, the value of your 
work will be based on the Federal minimum 
wage. 

c.	This coverage does not increase the 
Coverage A or Coverage B limit of liability.

2.	Loss Avoidance Measures

a.	Sandbags, Supplies, and Labor

(1)	We will pay up to $1,000 for the costs 
you incur to protect the insured building 
from a flood or imminent danger of 
flood, for the following:

(a)	Your reasonable expenses to buy:

(i)	Sandbags, including sand to fill 
them;



(ii)	Fill for temporary levees;

(iii)	Pumps; and

(iv)	Plastic sheeting and lumber 
used in connection with these 
items; and

(b)	The value of work, at the Federal 
minimum wage, that you perform.

(2)	This coverage for Sandbags, Supplies, 
and Labor applies only if damage to 
insured property by or from flood is 
imminent and the threat of flood 
damage is apparent enough to lead a 
person of common prudence to 
anticipate flood damage. One of the 
following must also occur:

(a)	A general and temporary condition 
of flooding in the area near the 
described location must occur, 
even if the flood does not reach the 
insured building; or

(b)	A legally authorized official must 
issue an evacuation order or other 
civil order for the community in 
which the insured building is 
located calling for measures to 
preserve life and property from the 
peril of flood.

This coverage does not increase the 
Coverage A or Coverage B limit of liability.

b.	Property Removed to Safety

(1)	We will pay up to $1,000 for the reasonable 
expenses you incur to move insured 
property to a place other than the 
described location that contains the 
property in order to protect it from flood 
or the imminent danger of flood.

Reasonable expenses include the value 
of work, at the Federal minimum wage, 
that you perform.

(2)	If you move insured property to a 
location other than the described 
location that contains the property, in 
order to protect it from flood or the 
imminent danger of flood, we will cover 
such property while at that location for a 
period of 45 consecutive days from the 
date you begin to move it there. The 
personal property that is moved must be 
placed in a fully enclosed building or 
otherwise reasonably protected from the 
elements.


Any property removed, including a moveable 
home described in Definition 6. Building, 
paragraphs b. and c., must be placed above 
ground level or outside of the special flood 
hazard area.

This coverage does not increase the 
Coverage A or Coverage B limit of liability.

D.	COVERAGE D - INCREASED COST OF 
COMPLIANCE

1.	General

This policy pays you to comply 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 your structure.  Eligible 
floodproofing activities are limited to:

a.	Nonresidential structures.

b.	Residential structures with basements that 
satisfy FEMA's standards published in the 
Code of Federal Regulations [44 CFR 
60.6 (b) or (c)].

2.	Limit of Liability

We will pay you up to $30,000 under this 
Coverage D - Increased Cost of Compliance, 
which only applies to policies with building 
coverage (Coverage A). Our payment of claims 
under Coverage D is in addition to the amount of 
coverage which you selected on the application 
and which appears on the Declarations Page. 
But the maximum you can collect under this 
policy for both Coverage A - Building Property 
and Coverage D - Increased Cost of Compliance 
cannot exceed the maximum permitted under 
the Act. We do not charge a separate deductible 
for a claim under Coverage D.

3.	Eligibility

a.	A structure covered under Coverage A - 
Building Property sustaining a loss caused by 
a flood as defined by this policy must: 

(1)	Be a "repetitive loss structure." A 
repetitive loss structure is one that 
meets the following conditions:

(a)	The structure is covered by a 
contract of flood insurance issued 
under the NFIP.

(b)	The structure has suffered flood 
damage on two occasions during a 
10-year period which ends on the 
date of the second loss.

(c)	The cost to repair the flood 
damage, on average, equaled or 
exceeded 25 percent of the market 
value of the structure at the time of 
each flood loss.

(d)	In addition to the current claim, the 
NFIP must have paid the previous 
qualifying claim, and 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

(2)	Be a structure that has had flood 
damage in which the cost to repair 
equals or exceeds 50 percent of the 
market value of the structure at the time 
of the flood. The State or community 
must have a substantial damage 
provision in its floodplain management 
law or ordinance being enforced against 
the structure. 

b.	This Coverage D pays you to comply with 
State or local floodplain management laws 
or ordinances that meet the minimum 
standards of the National Flood Insurance 
Program found in the Code of Federal 
Regulations at 44 CFR 60.3. We pay for 
compliance activities that exceed those 
standards under these conditions: 

(1)	3.a.(1) above.

(2)	Elevation or floodproofing in any risk 
zone to preliminary or advisory base 
flood elevations provided by FEMA 
which the State or local government has 
adopted and is enforcing for flood-
damaged structures in such areas. (This 
includes compliance activities in B, C, X, 
or D zones which are being changed to 
zones with base flood elevations. This 
also includes compliance activities in 
zones where base flood elevations are 
being increased, and a flood-damaged 
structure must comply with the higher 
advisory base flood elevation.) 
Increased Cost of Compliance coverage 
does not apply to situations in B, C, X, 
or D zones where the community has 
derived its own elevations and is 
enforcing elevation or floodproofing 
requirements for flood-damaged 
structures to elevations derived solely 
by the community.

(3)	Elevation or floodproofing above the 
base flood elevation to meet State or 
local "freeboard" requirements, i.e., that 
a structure must be elevated above the 
base flood elevation.


c.	Under the minimum NFIP criteria at 44 CFR 
60.3 (b)(4), States and communities must 
require the elevation or floodproofing of 
structures in unnumbered A zones to the 
base flood elevation where elevation data is 
obtained from a Federal, State, or other 
source. Such compliance activities are also 
eligible for Coverage D.

d.	This coverage will also pay for the 
incremental cost, after demolition or 
relocation, of elevating or floodproofing a 
structure during its rebuilding at the same or 
another site to meet State or local floodplain 
management laws or ordinances, subject to 
Exclusion D.5.g. below.

e.	This coverage will also pay to bring a flood-
damaged structure into compliance with 
State or local floodplain management laws 
or ordinances even if the structure had 
received a variance before the present loss 
from the applicable floodplain management 
requirements. 

4.	Conditions

a.	When a structure covered under 
Coverage A - Building Property sustains 
a loss caused by a flood, our payment for 
the loss under this Coverage D will be for 
the increased cost to elevate, floodproof, 
relocate, or demolish (or any 
combination of these activities) caused 
by the enforcement of current State or 
local floodplain management ordinances 
or laws. Our payment for eligible 
demolition activities will be for the cost 
to demolish and clear the site of the 
building debris or a portion thereof 
caused by the enforcement of current 
State or local floodplain management 
ordinances or laws. Eligible activities for 
the cost of clearing the site will include 
those necessary to discontinue utility 
service to the site and ensure proper 
abandonment of on-site utilities.

b.	When the building is repaired or rebuilt, it 
must be intended for the same 
occupancy as the present building 
unless otherwise required by current 
floodplain management ordinances or 
laws. 

5.	Exclusions

Under this Coverage D - Increased Cost of 
Compliance we will not pay for:

a.	The cost to comply with any floodplain 
management law or ordinance in 
communities participating in the 
Emergency Program.

b.	The cost associated with enforcement of 
any ordinance or law that requires any 
insured or others to test for, monitor, 
clean up, remove, contain, treat, detoxify 
or neutralize, or in any way respond to, 
or assess the effects of pollutants. 



c.	The loss in value to any insured building 
or other structure due to the 
requirements of any ordinance or law.

d.	The loss in residual value of the 
undamaged portion of a building 
demolished as a consequence of 
enforcement of any State or local 
floodplain management law or ordinance. 

e.	Any Increased Cost of Compliance under 
this Coverage D:

(1)	Until the building is elevated, 
floodproofed, demolished, or 
relocated on the same or to another 
premises; and 

(2)	Unless the building is elevated, 
floodproofed, demolished, or 
relocated as soon as reasonably 
possible after the loss, not to exceed 
2 years.

f.	Any code upgrade requirements, e.g., 
plumbing or electrical wiring, not 
specifically related to the State or local 
floodplain management law or ordinance.

g.	Any compliance activities needed to 
bring additions or improvements made 
after the loss occurred into compliance 
with State or local floodplain 
management laws or ordinances. 

h.	Loss due to any ordinance or law that 
you were required to comply with before 
the current loss.

i.	Any rebuilding activity to standards that 
do not meet the NFIP's minimum 
requirements. This includes any situation 
where the insured has received from the 
State or community a variance in 
connection with the current flood loss to 
rebuild the property to an elevation 
below the base flood elevation. 

j.	Increased Cost of Compliance for a garage 
or carport. 

k.	Any structure insured under an NFIP Group 
Flood Insurance Policy. 

l.	Assessments made by a condominium 
association on individual condominium unit 
owners to pay increased costs of 
repairing commonly owned buildings after 
a flood in compliance with State or local 
floodplain management ordinances or 
laws.

6.	Other Provisions

a.	Increased Cost of Compliance coverage 
will not be included in the calculation 
to determine whether coverage meets 
the coinsurance 


requirement for replacement cost 
coverage under VIII. General Conditions, 
V. Loss Settlement.

b.	All other conditions and provisions of the 
policy apply.




DD.	IV.  PROPERTY NOT COVERED




We do not cover any of the following property:

1.	Personal property not inside the fully enclosed 
building;
	
2.	A building, and personal property in it, located 
entirely in, on, or over water or seaward of mean 
high tide, if constructed or substantially 
improved after September 30, 1982;
	
3.	Open structures, including a building used as a 
boathouse or any structure or building into 
which boats are floated, and personal property 
located in, on, or over water;

4.	Recreational vehicles other than travel trailers 
described in II.B.6.c., whether affixed to a 
permanent foundation or on wheels;

5.	Self-propelled vehicles or machines, including 
their parts and equipment. However, we do 
cover self-propelled vehicles or machines not 
licensed for use on public roads that are:

a.	Used mainly to service the described 
location, or

b.	Designed and used to assist handicapped 
persons,

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

6.	Land, land values, lawns, trees, shrubs, plants, 
growing crops, or animals;

7.	Accounts, bills, coins, currency, deeds, 
evidences of debt, medals, money, scrip, stored 
value cards, 


postage stamps, securities, bullion, manuscripts, 
or other valuable papers;
	
8.	Underground structures and equipment, 
including wells, septic tanks, and septic 
systems;

9.	Those portions of walks, walkways, decks, 
driveways, patios, and other surfaces, all 
whether protected by a roof or not, located 
outside the perimeter, exterior walls of the 
insured building;
	
10.	Containers, including related equipment, such 
as, but not limited to, tanks containing gases or 
liquids;
	
11.	Buildings and all their contents if more than 49 
percent of the actual cash value of the 
building is below ground, unless the lowest 
level is at or above the base flood elevation and 
is below ground by reason of earth having been 
used as insulation material in conjunction with 
energy efficient building techniques;
	
12.	Fences, retaining walls, seawalls, bulkheads, 
wharves, piers, bridges, and docks;
	
13.	Aircraft or watercraft, or their furnishings and 
equipment;

14.	Hot tubs and spas that are not bathroom 
fixtures, and swimming pools, and their 
equipment such as, but not limited to, heaters, 
filters, pumps, and pipes, wherever located;
	
15.	Property not eligible for flood insurance pursuant 
to the provisions of the Coastal Barrier 
Resources Act and the Coastal Barrier 
Improvement Act of 1990 and amendments to 
these acts;

16.	Personal property used in connection with any 
incidental commercial occupancy or use of the 
building.




EE.	V.  EXCLUSIONS




A.	We only pay for direct physical loss by or 
from flood, which means that we do not pay 
you for:

1.	Loss of revenue or profits; 

2.	Loss of access to the insured property or 
described location;


3.	Loss of use of the insured property or described 
location;

4.	Loss from interruption of business or production;

5.	Any additional living expenses incurred while the 
insured building is being repaired or is unable 
to be occupied for any reason;


6.	The cost of complying with any ordinance or law 
requiring or regulating the construction, 
demolition, remodeling, renovation, or repair of 
property, including removal of any resulting 
debris. This exclusion does not apply to any 
eligible activities that we describe in Coverage D 
- Increased Cost of Compliance; or

7.	Any other economic loss.

B.	We do not insure a loss directly or indirectly 
caused by a flood that is already in progress at 
the time and date:

1.	The policy term begins; or

2.	Coverage is added at your request.

C.	We do not insure for loss to property caused 
directly by earth movement even if the earth 
movement is caused by flood. Some examples 
of earth movement that we do not cover are:

1.	Earthquake;

2.	Landslide;

3.	Land subsidence;

4.	Sinkholes;

5.	Destabilization or movement of land that results 
from accumulation of water in subsurface land 
areas; or

6.	Gradual erosion.

We do, however, pay for losses from mudflow and 
land subsidence as a result of erosion that are 
specifically covered under our definition of flood 
(see II.A.1.c. and II.A.2.).

D.	We do not insure for direct physical loss caused 
directly or indirectly by:

1.	The pressure or weight of ice;

2.	Freezing or thawing;

3.	Rain, snow, sleet, hail, or water spray;

4.	Water, moisture, mildew, or mold damage that 
results primarily from any condition:

a.	Substantially confined to the insured 
building; or 


b.	That is within your control including, but not 
limited to:

(1)	Design, structural, or mechanical 
defects;

(2)	Failure, stoppage, or breakage of water or 
sewer lines, drains, pumps, fixtures, or 
equipment; or

(3)	Failure to inspect and maintain the 
property after a flood recedes;

5.	Water or waterborne material that:

a.	Backs up through sewers or drains; 

b.	Discharges or overflows from a sump, sump 
pump, or related equipment; or

c.	Seeps or leaks on or through insured 
property;

unless there is a flood in the area and the flood 
is the proximate cause of the sewer or drain 
backup, sump pump discharge or overflow, or 
the seepage of water;

6.	The pressure or weight of water unless there is 
a flood in the area and the flood is the 
proximate cause of the damage from the 
pressure or weight of water;

7.	Power, heating, or cooling failure unless the 
failure results from direct physical loss by or 
from flood to power, heating, or cooling 
equipment situated on the described location;

8.	Theft, fire, explosion, wind, or windstorm;

9.	Anything you or your agents do or conspire to do 
to cause loss by flood deliberately; or

10.	Alteration of the insured property that 
significantly increases the risk of flooding.

E.	We do not insure for loss to any building or 
personal property located on land leased from 
the Federal Government, arising from or incident 
to the flooding of the land by the Federal 
Government, where the lease expressly holds 
the Federal Government harmless under flood 
insurance issued under any Federal 
Government program.

F.	We do not pay for the testing for or monitoring of 
pollutants unless required by law or ordinance.




FF.	VI.  DEDUCTIBLES




A.	When a loss is covered under this policy, we 
will pay only that part of the loss that exceeds 
the applicable deductible amount, subject to the 
limit of insurance that applies. The deductible 
amount is shown on the Declarations Page.



However, when a building under construction, 
alteration, or repair does not have at least two 
rigid exterior walls and a fully secured roof at the 
time of loss, your deductible amount will be two 
times the deductible that would otherwise apply 
to a completed building.


B.	In each loss from flood, separate 
deductibles apply to the building 
and personal property insured by 
this policy.



C.	No deductible applies to:

1.	III.C.2.  Loss Avoidance Measures; or

2.	III.D.  Increased Cost of Compliance.




VII.  COINSURANCE




A.	This Coinsurance section applies only to 
coverage on the building.

B.	We will impose a penalty on loss payment 
unless the amount of insurance applicable to the 
damaged building is:

1.	At least 80 percent of its replacement cost; or

2.	The maximum amount of insurance available for 
that building under the NFIP,

whichever is less.

C.	If the actual amount of insurance on the 
building is less than the required amount in 
accordance with the terms of VII.B. above, then 
loss payment is determined as follows (subject 
to all other relevant conditions in this policy, 
including those pertaining to valuation, 
adjustment, settlement, and payment of loss):

1. 	Divide the actual amount of insurance carried on 
the building by the required amount of 
insurance.

2. 	Multiply the amount of loss, before application of 
the deductible, by the figure determined in C.1. 
above.

3.	Subtract the deductible from the figure 
determined in C.2. above.

We will pay the amount determined in C.3. above, or 
the amount of insurance carried, whichever is less. 
The amount of insurance carried, if in excess of the 
applicable maximum amount of insurance available 
under the NFIP, is reduced accordingly.

Examples

Example #1 (Inadequate Insurance)

Replacement value of the building	$250,000
Required amount of insurance	$200,000
(80% of replacement value of $250,000)
Actual amount of insurance carried	$180,000
Amount of the loss	$150,000
Deductible	$500



Step 1:	180,000 ? 200,000 = .90
	(90% of what should be carried)
Step 2:	150,000 X .90 = 135,000

Step 3:	135,000 - 500 = 134,500

We will pay no more than $134,500. The remaining 
$15,500 is not covered due to the coinsurance 
penalty ($15,000) and application of the deductible 
($500).

Example #2 (Adequate Insurance)

Replacement value of the building	$500,000
Required amount of insurance	$400,000
(80% of replacement value of $500,000)
Actual amount of insurance carried	$400,000
Amount of the loss	$200,000
Deductible	$500

In this example there is no coinsurance penalty, 
because the actual amount of insurance carried 
meets the required amount. We will pay no more 
than $199,500 ($200,000 amount of loss minus the 
$500 deductible).

D.	In calculating the full replacement cost of a 
building:

1.	The replacement cost value of any covered 
building property will be included;

2.	The replacement cost value of any building 
property not covered under this policy will not 
be included; and

3.	Only the replacement cost value of 
improvements installed by the condominium 
association will be included.







VIII.	  GENERAL CONDITIONS




A.	Pairs and Sets 

In case of loss to an article that is part of a pair or 
set, we will have the option of paying you:

1.	An amount equal to the cost of replacing the 
lost, damaged, or destroyed article, less 
depreciation; or

2.	An amount that represents the fair proportion of 
the total value of the pair or set that the lost, 
damaged, or destroyed article bears to the pair 
or set.

B.	Concealment or Fraud and Policy Voidance

1.	With respect to all insureds under this policy, 
this policy: 

a.	Is void;

b.	Has no legal force or effect;

c.	Cannot be renewed; and

d.	Cannot be replaced by a new NFIP policy;

if, before or after a loss, you or any other insured 
or your agent have at any time:

(1)	Intentionally concealed or 
misrepresented any material fact or 
circumstance; 

(2)	Engaged in fraudulent conduct; or

(3)	Made false statements;

relating to this policy or any other NFIP 
insurance.

2.	This policy will be void as of the date the 
wrongful acts described in B.1. above were 
committed.

3.	Fines, civil penalties, and imprisonment under 
applicable Federal laws may also apply to the 
acts of fraud or concealment described above.

4.	This policy is also void for reasons other than 
fraud, misrepresentation, or wrongful act. This 
policy is void from its inception and has no legal 
force under the following conditions:

a.	If the property is located in a community that 
was not participating in the NFIP on the 
policy's inception date and did not join or 
reenter the program during the policy term 
and before the loss occurred; or

b.	If the property listed on the application is 
otherwise not eligible for coverage under the 
NFIP.

C.	Other Insurance

1.	If a loss covered by this policy is also covered 
by other insurance that includes flood coverage 
not issued under the Act, we will not pay more 
than the amount of insurance that you are 
entitled to for lost, damaged, or destroyed 
property insured under this policy subject to the 
following: 

a.	We will pay only the proportion of the 
loss that the amount of insurance that 
applies under this policy bears to the total 
amount of insurance covering the loss, 
unless C.1.b. or c. immediately below 
applies.

b.	If the other policy has a provision stating it is 
excess insurance, this policy will be 
primary.

c.	This policy will be primary (but subject to its 
own deductible) up to the deductible in the 
other flood policy (except another policy as 
described in C.1.b. above). When the other 
deductible amount is reached, this policy 
will participate in the same proportion that 
the amount of insurance under this policy 
bears to the total amount of both policies, for 
the remainder of the loss. 

2.	If there is a flood insurance policy in the name of 
a unit owner that covers the same loss as this 
policy, then this policy will be primary.

D.	Amendments, Waivers, Assignment

This policy cannot be changed nor can any of its 
provisions be waived without the express written 
consent of the Federal Insurance Administrator. No 
action that we take under the terms of this policy 
constitutes a waiver of any of our rights. You may 
assign this policy in writing when you transfer title of 
your property to someone else, except under these 
conditions:

1.	When this policy covers only personal property; 
or

2.	When this policy covers a structure during the 
course of construction.

E.	Cancellation of Policy by You

1.	You may cancel this policy in accordance with 
the applicable rules and regulations of the NFIP.

2.	If you cancel this policy, you may be entitled to 
a full or partial refund of premium also under the 
applicable rules and regulations of the NFIP.


F.	Nonrenewal of the Policy by Us

Your policy will not be renewed:

1.	If the community where your covered property is 
located stops participating in the NFIP; or

2.	If your building has been declared ineligible 
under Section 1316 of the Act.

G.	Reduction and Reformation of Coverage

1.	If the premium we received from you was not 
enough to buy the kind and amount of coverage 
you requested, we will provide only the amount 
of coverage that can be purchased for the 
premium payment we received.

2.	The policy can be reformed to increase the 
amount of coverage resulting from the reduction 
described in G.1. above to the amount you 
requested as follows:

a.	Discovery of insufficient premium or incomplete 
rating information before a loss.

(1)	If we discover before you have a flood 
loss that your premium payment was not 
enough to buy the requested amount of 
coverage, we will send you and any 
mortgagee or trustee known to us a bill 
for the required additional premium for 
the current policy term (or that portion 
of the current policy term following any 
endorsement changing the amount of 
coverage). If you or the mortgagee or 
trustee pay the additional premium 
within 30 days from the date of our bill, 
we will reform the policy to increase the 
amount of coverage to the originally 
requested amount effective to the 
beginning of the current policy term (or 
subsequent date of any endorsement 
changing the amount of coverage).

(2)	If we determine before you have a flood 
loss that the rating information we have 
is incomplete and prevents us from 
calculating the additional premium, we 
will ask you to send the required 
information. You must submit the 
information within 60 days of our 
request. Once we determine the amount 
of additional premium for the current 
policy term, we will follow the procedure 
in G.2.a.(1) above.

(3)	If we do not receive the additional 
premium (or additional information) by 
the date it is due, the amount of 
coverage can only be increased by 
endorsement subject to any appropriate 
waiting period.

b.	Discovery of insufficient premium or 
incomplete rating information after a loss.
(1)	If we discover after you have a flood 
loss that your premium payment was not 
enough to buy the requested amount of 
coverage, we will send you and any 
mortgagee or trustee known to us a bill 
for the required additional premium for 
the current and the prior policy terms. If 
you or the mortgagee or trustee pay the 
additional premium within 30 days from 
the date of our bill, we will reform the 
policy to increase the amount of 
coverage to the originally requested 
amount effective to the beginning of the 
prior policy term.

(2)	If we discover after you have a flood 
loss that the rating information we have 
is incomplete and prevents us from 
calculating the additional premium, we 
will ask you to send the required 
information. You must submit the 
information before your claim can be 
paid.  Once we determine the amount of 
additional premium for the current and 
prior policy terms, we will follow the 
procedure in G.2.b.(1) above.

(3)	If we do not receive the additional 
premium by the date it is due, your flood 
insurance claim will be settled based on 
the reduced amount of coverage. The 
amount of coverage can only be 
increased by endorsement subject to 
any appropriate waiting period.

3.	However, if we find that you or your agent 
intentionally did not tell us, or falsified, any 
important fact or circumstance or did anything 
fraudulent relating to this insurance, the 
provisions of Condition B. Concealment or 
Fraud and Policy Voidance apply.

H.	Policy Renewal 

1.	This policy will expire at 12:01 a.m. on the last 
day of the policy term.

2.	We must receive the payment of the appropriate 
renewal premium within 30 days of the 
expiration date.

3.	If we find, however, that we did not place your 
renewal notice into the U.S. Postal Service, or if 
we did mail it, we made a mistake, e.g., we used 
an incorrect, incomplete, or illegible address, 
which delayed its delivery to you before the due 
date for the renewal premium, then we will follow 
these procedures:

a.	If you or your agent notified us, not later 
than 1 year after the date on which the 
payment of the renewal premium was due, 
of nonreceipt of a renewal notice before the 
due date for the renewal premium, and we 
determine that the circumstances in the 
preceding paragraph apply, we will mail a 
second bill providing a revised due 


date, which will be 30 days after the date on 
which the bill is mailed.

b.	If we do not receive the premium requested 
in the second bill by the revised due date, 
then we will not renew the policy. In that 
case, the policy will remain an expired 
policy as of the expiration date shown on 
the Declarations Page.

4.	In connection with the renewal of this policy, we 
may ask you during the policy term to recertify, 
on a Recertification Questionnaire that we will 
provide you, the rating information used to rate 
your most recent application for or renewal of 
insurance.

I.	Conditions Suspending or Restricting 
Insurance

We are not liable for loss that occurs while there is a 
hazard that is increased by any means within your 
control or knowledge.

J.	Requirements in Case of Loss

In case of a flood loss to insured property, you 
must:

1.	Give prompt written notice to us;

2.	As soon as reasonably possible, separate the 
damaged and undamaged property, putting it in 
the best possible order so that we may examine 
it;

3.	Prepare an inventory of damaged personal 
property showing the quantity, description, 
actual cash value, and amount of loss. Attach 
all bills, receipts, and related documents;

4.	Within 60 days after the loss, send us a proof of 
loss, which is your statement of the amount you 
are claiming under the policy signed and sworn 
to by you, and which furnishes us with the 
following information:

a.	The date and time of loss;

b.	A brief explanation of how the loss 
happened;

c.	Your interest (for example, "owner") and the 
interest, if any, of others in the damaged 
property;

d.	Details of any other insurance that may 
cover the loss;

e.	Changes in title or occupancy of the insured 
property during the term of the policy; 

f.	Specifications of damaged insured 
buildings and detailed repair estimates;

g.	Names of mortgagees or anyone else 
having a lien, charge, or claim against the 
insured property;

h.	Details about who occupied any insured 
building at the time of loss and for what 
purpose; and

i.	The inventory of damaged personal property 
described in J.3. above.

5.	In completing the proof of loss, you must use 
your own judgment concerning the amount of 
loss and justify that amount.

6.	You must cooperate with the adjuster or 
representative in the investigation of the claim.

7.	The insurance adjuster whom we hire to 
investigate your claim may furnish you with a 
proof of loss form, and she or he may help you 
complete it.  However, this is a matter of 
courtesy only, and you must still send us a proof 
of loss within 60 days after the loss even if the 
adjuster does not furnish the form or help you 
complete it.

8.	We have not authorized the adjuster to approve 
or disapprove claims or to tell you whether we 
will approve your claim.

9.	At our option, we may accept the adjuster's 
report of the loss instead of your proof of loss. 
The adjuster's report will include information 
about your loss and the damages you sustained. 
You must sign the adjuster's report. At our 
option, we may require you to swear to the 
report.

K.	Our Options After a Loss

Options that we may, in our sole discretion, exercise 
after loss include the following:

1.	At such reasonable times and places that we 
may designate, you must:

a.	Show us or our representative the damaged 
property;

b.	Submit to examination under oath, while not 
in the presence of another insured, and sign 
the same; and

c.	Permit us to examine and make extracts and 
copies of:

(1)	Any policies of property insurance 
insuring you against loss and the deed 
establishing your ownership of the 
insured real property;

(2)	Condominium association documents 
including the Declarations of the 
condominium, its Articles of 
Association or Incorporation, Bylaws, 
and rules and regulations; and
(3)	All books of accounts, bills, invoices and 
other vouchers, or certified copies 
pertaining 


to the damaged property if the originals 
are lost.

2.	We may request, in writing, that you furnish us 
with a complete inventory of the lost, damaged, 
or destroyed property, including:

a.	Quantities and costs;

b.	Actual cash values or replacement cost 
(whichever is appropriate);

c.	Amounts of loss claimed; 

d.	Any written plans and specifications for 
repair of the damaged property that you can 
reasonably make available to us; and

e.	Evidence that prior flood damage has been 
repaired.

3.	If we give you written notice within 30 days after 
we receive your signed, sworn proof of loss, we 
may:

a.	Repair, rebuild, or replace any part of the 
lost, damaged, or destroyed property with 
material or property of like kind and quality 
or its functional equivalent; and

b.	Take all or any part of the damaged property 
at the value we agree upon or its appraised 
value.

L.	No Benefit to Bailee

No person or organization, other than you, having 
custody of covered property will benefit from this 
insurance.

M. 	Loss Payment

1.	We will adjust all losses with you.  We will pay 
you unless some other person or entity is named 
in the policy or is legally entitled to receive 
payment. Loss will be payable 60 days after we 
receive your proof of loss (or within 90 days after 
the insurance adjuster files an adjuster's report 
signed and sworn to by you in lieu of a proof of 
loss) and:

a.	We reach an agreement with you;

b.	There is an entry of a final judgment; or

c.	There is a filing of an appraisal award with 
us, as provided in VIII.P.

2.	If we reject your proof of loss in whole or in part 
you may:

a.	Accept such denial of your claim;

b.	Exercise your rights under this policy; or



c.	File an amended proof of loss, as long as it 
is filed within 60 days of the date of the loss.

N.	Abandonment

You may not abandon damaged or undamaged 
insured property to us.

O.	Salvage

We may permit you to keep damaged insured 
property after a loss, and we will reduce the amount 
of the loss proceeds payable to you under the 
policy by the value of the salvage.

P.	Appraisal

If you and we fail to agree on the actual cash value 
or, if applicable, replacement cost of the damaged 
property so as to determine the amount of loss, then 
either may demand an appraisal of the loss. In this 
event, you and we will each choose a competent 
and impartial appraiser within 20 days after receiving 
a written request from the other. The two appraisers 
will choose an umpire. If they cannot agree upon an 
umpire within 15 days, you or we may request that 
the choice be made by a judge of a court of record in 
the State where the insured property is located. The 
appraisers will separately state the actual cash 
value, the replacement cost, and the amount of loss 
to each item. If the appraisers submit a written report 
of an agreement to us, the amount agreed upon will 
be the amount of loss. If they fail to agree, they will 
submit their differences to the umpire. A decision 
agreed to by any two will set the amount of actual 
cash value and loss, or if it applies, the replacement 
cost and loss.

Each party will:

1.	Pay its own appraiser; and

2.	Bear the other expenses of the appraisal and 
umpire equally.

Q.	Mortgage Clause

The word "mortgagee" includes trustee.

Any loss payable under Coverage A - Building will 
be paid to any mortgagee of whom we have actual 
notice as well as any other mortgagee or loss payee 
determined to exist at the time of loss, and you, as 
interests appear. If more than one mortgagee is 
named, the order of payment will be the same as the 
order of precedence of the mortgages.

If we deny your claim, that denial will not apply to a 
valid claim of the mortgagee, if the mortgagee:

1.	Notifies us of any change in the ownership or 
occupancy, or substantial change in risk of 
which the mortgagee is aware;


2.	Pays any premium due under this policy on 
demand if you have neglected to pay the 
premium; and

3.	Submits a signed, sworn proof of loss within 60 
days after receiving notice from us of your failure 
to do so. 

All of the terms of this policy apply to the 
mortgagee.

The mortgagee has the right to receive loss payment 
even if the mortgagee has started foreclosure or 
similar action on the building.

If we decide to cancel or not renew this policy, it will 
continue in effect for the benefit of the mortgagee 
only for 30 days after we notify the mortgagee of the 
cancellation or nonrenewal.

If we pay the mortgagee for any loss and deny 
payment to you, we are subrogated to all the rights 
of the mortgagee granted under the mortgage on the 
property.  Subrogation will not impair the right of the 
mortgagee to recover the full amount of the 
mortgagee's claim.

R.	Suit Against Us

You may not sue us to recover money under this 
policy unless you have complied with all the 
requirements of the policy. If you do sue, you must 
start the suit within 1 year after the date of the 
written denial of all or part of the claim, and you 
must file the suit in the United States District Court of 
the district in which the insured property was located 
at the time of loss. This requirement applies to any 
claim that you may have under this policy and to 
any dispute that you may have arising out of the 
handling of any claim under the policy.

S.	Subrogation

Whenever we make a payment for a loss under this 
policy, we are subrogated to your right to recover 
for that loss from any other person.  That means that 
your right to recover for a loss that was partly or 
totally caused by someone else is automatically 
transferred to us, to the extent that we have paid you 
for the loss. We may require you to acknowledge 
this transfer in writing.  After the loss, you may not 
give up our right to recover this money or do 
anything that would prevent us from recovering it. If 
you make any claim against any person who caused 
your loss and recover any money, you must pay us 
back first before you may keep any of that money.

T.	Continuous Lake Flooding

1.	If your insured building has been flooded by 
rising lake waters continuously for 90 days or 
more and it appears reasonably certain that a 
continuation of this flooding will result in a 
covered loss to the insured building equal to or 
greater than the building policy limits plus the 
deductible or the maximum payable under the 
policy for any one building loss, we will pay 
you the lesser of these two amounts without 
waiting for the further damage to occur if you 
sign a release agreeing:


a.	To make no further claim under this policy;

b.	Not to seek renewal of this policy;

c.	Not to apply for any flood insurance under 
the Act for property at the described 
location; and

d.	Not to seek a premium refund for current or 
prior terms.

If the policy term ends before the insured 
building has been flooded continuously for 90 
days, the provisions of this paragraph T.1. will 
apply when the insured building suffers a 
covered loss before the policy term ends.

2.	If your insured building is subject to continuous 
lake flooding from a closed basin lake, you may 
elect to file a claim under either paragraph T.1. 
above or this paragraph T.2. (A "closed basin 
lake" is a natural lake from which water leaves 
primarily through evaporation and whose surface 
area now exceeds or has exceeded one square 
mile at any time in the recorded past. Most of the 
nation's closed basin lakes are in the western half 
of the United States, where annual evaporation 
exceeds annual precipitation and where lake 
levels and surface areas are subject to 
considerable fluctuation due to wide variations in 
the climate. These lakes may overtop their basins 
on rare occasions.) Under this paragraph T.2. we 
will pay your claim as if the building is a total loss 
even though it has not been continuously 
inundated for 90 days, subject to the following 
conditions:

a.	Lake flood waters must damage or 
imminently threaten to damage your building.

b.	Before approval of your claim, you must:

(1)	Agree to a claim payment that reflects 
your buying back the salvage on a 
negotiated basis; and

(2)	Grant the conservation easement 
described in FEMA's "Policy Guidance 
for Closed Basin Lakes," to be recorded 
in the office of the local recorder of 
deeds. FEMA, in consultation with the 
community in which the property is 
located, will identify on a map an area or 
areas of special consideration (ASC) in 
which there is a potential for flood 
damage from continuous lake flooding. 
FEMA will give the community the 
agreed-upon map showing the ASC. This 
easement will only apply to that portion of 
the property in the ASC. It will allow 
certain agricultural and recreational uses 
of the land.  The only structures that it will 
allow on any portion of the property 
within the ASC are certain simple 
agricultural and recreational structures.  If 
any of these allowable structures are 
insurable buildings under the NFIP and 
are insured under the 


NFIP, they will not be eligible for the 
benefits of this paragraph T.2. If a U.S. 
Army Corps of Engineers certified flood 
control project or otherwise certified 
flood control project later protects the 
property, FEMA will, upon request, 
amend the ASC to remove areas 
protected by those projects. The 
restrictions of the easement will then no 
longer apply to any portion of the 
property removed from the ASC; and

(3)	Comply with paragraphs T.1.a. through 
T.1.d. above.

c.	Within 90 days of approval of your claim, you 
must move your building to a new location 
outside the ASC. FEMA will give you an 
additional 30 days to move if you show that 
there is sufficient reason to extend the time.

d.	Before the final payment of your claim, you 
must acquire an elevation certificate and a 
floodplain development permit from the local 
floodplain administrator for the new location 
of your building.

e.	Before the approval of your claim, the 
community having jurisdiction over your 
building must:

(1)	Adopt a permanent land use 
ordinance, or a temporary moratorium 
for a period not to exceed 6 months to 
be followed immediately by a 
permanent land use ordinance, that is 
consistent with the provisions 
specified for the easement required in 
paragraph T.2.b. above;

(2)	Agree to declare and report any 
violations of this ordinance to FEMA so 
that under Section 1316 of the National 
Flood Insurance Act of 1968, as 
amended, flood insurance to the 
building can be denied; and 

(3)	Agree to maintain as deed-restricted, for 
purposes compatible with open space or 
agricultural or recreational use only, any 
affected property the community acquires 
an interest in. These deed restrictions 
must be consistent with the provisions of 
T.2.b. above, except that, even if a 
certified project protects the property, the 
land use restrictions continue to apply if 
the property was acquired under the 
Hazard Mitigation Grant Program or the 
Flood Mitigation Assistance Program. If a 
nonprofit land trust organization receives 
the property as a donation, that 
organization must maintain the property 
as deed-restricted, consistent with the 
provisions of paragraph T.2.b. above.

f.	Before the approval of your claim, the 
affected State must take all action set forth in 
FEMA's "Policy Guidance for Closed Basin 
Lakes."

g.	You must have NFIP flood insurance 
coverage continuously in effect from a date 
established by FEMA until you file a claim 
under this paragraph T.2. If a subsequent 
owner buys NFIP insurance that goes into 
effect within 60 days of the date of transfer of 
title, any gap in coverage during that 60-day 
period will not be a violation of this 
continuous coverage requirement. For the 
purpose of honoring a claim under this 
paragraph T.2., we will not consider to be in 
effect any increased coverage that became 
effective after the date established by FEMA.  
The exception to this is any increased 
coverage in the amount suggested by your 
insurer as an inflation adjustment.

h.	This paragraph T.2. will be in effect for a 
community when the FEMA Regional 
Director for the affected region provides to 
the community, in writing, the following:

(1)	Confirmation that the community and the 
State are in compliance with the 
conditions in paragraphs T.2.e. and T.2.f. 
above; and

(2)	The date by which you must have flood 
insurance in effect.

U.	Duplicate Policies Not Allowed

1.	We will not insure your property under more 
than one NFIP policy.

If we find that the duplication was not knowingly created, 
we will give you written notice. The notice will 
advise you that you may choose one of 
several options under the following 
procedures:

a.	If you choose to keep in effect the policy 
with the earlier effective date, you may also 
choose to add the coverage limits of the 
later policy to the limits of the earlier policy. 
The change will become effective as of the 
effective date of the later policy.

b.	If you choose to keep in effect the policy 
with the later effective date, you may also 
choose to add the coverage limits of the 
earlier policy to the limits of the later policy. 
The change will be effective as of the 
effective date of the later policy.

In either case, you must pay the pro rata 
premium for the increased coverage limits within 
30 days of the written notice. In no event will the 
resulting coverage limits exceed the permissible 
limits of coverage under the Act or your 
insurable interest, whichever is less.

We will pay a refund to you, according to 
applicable NFIP rules, of the premium for the 
policy not being kept in effect.

2.	Your option under this Condition U. Duplicate 
Policies Not Allowed to elect which NFIP policy 
to keep in effect does not apply when duplicates 
have been knowingly created.  Losses occurring 
under such 


circumstances will be adjusted according to the 
terms and conditions of the earlier policy. The 
policy with the later effective date will be 
canceled.

V.	Loss Settlement

1.	Introduction

This policy provides three methods of settling 
losses: Replacement Cost, Special Loss 
Settlement, and Actual Cash Value. Each 
method is used for a different type of property, 
as explained in a.-c. below.

a.	Replacement Cost loss settlement, 
described in V.2. below, applies to 
buildings other than manufactured homes 
or travel trailers.

b.	Special loss settlement, described in V.3. 
below, applies to a residential 
condominium building that is a travel 
trailer or a manufactured home.

c.	Actual Cash Value loss settlement applies 
to all other property covered under this 
policy, as outlined in V.4. below.

2.	Replacement Cost Loss Settlement

a.	We will pay to repair or replace a damaged 
or destroyed building, after application of 
the deductible and without deduction for 
depreciation, but not more than the least of 
the following amounts:

(1)	The amount of insurance in this policy that 
applies to the building;

(2)	The replacement cost of that part of the 
building damaged, with materials of like 
kind and quality, and for like occupancy 
and use; or

(3)	The necessary amount actually spent to 
repair or replace the damaged part of 
the building for like occupancy and use.

b.	We will not be liable for any loss on a 
Replacement Cost Coverage basis unless 
and until actual repair or replacement of the 
damaged building or parts thereof is 
completed.

c.	If a building is rebuilt at a location other 
than the described location, we will pay no 
more than it would have cost to repair or 
rebuild at the described location, subject to 
all other terms of Replacement Cost loss 
settlement.

3.	Special Loss Settlement

a.	The following loss settlement conditions 
apply to a residential condominium 
building that is:



(1)	A manufactured home or a travel trailer, 
as defined in II.B.6.b. and c.; and

(2)	At least 16 feet wide when fully 
assembled and has an area of at least 
600 square feet within its perimeter 
walls when fully assembled.

b.	If such a building is totally destroyed or 
damaged to such an extent that, in our 
judgment, it is not economically feasible to 
repair, at least to its predamage condition, 
we will, at our discretion, pay the least of the 
following amounts:

(1)	The lesser of the replacement cost of 
the manufactured home or travel trailer 
or 1.5 times the actual cash value; or

(2)	The building limit of liability shown on 
your Declarations Page.

c.	If such a manufactured home or travel trailer 
is partially damaged and, in our judgment, it 
is economically feasible to repair it to its 
predamage condition, we will settle the loss 
according to the Replacement Cost loss 
settlement conditions in V.2. above.

4.	Actual Cash Value Loss Settlement

a.	The types of property noted below are 
subject to Actual Cash Value loss 
settlement.

(1)	Personal property;

(2)	Insured property abandoned after a loss 
and that remains as debris at the 
described location;

(3)	Outside antennas and aerials, awnings, 
and other outdoor equipment;

(4)	Carpeting and pads; 

(5)	Appliances; and 

(6)	A manufactured or mobile home or a 
travel trailer as defined in II.B.6.b. or c. 
that does not meet the condition for 
Special Loss Settlement in V.3. above.

b.	We will pay the least of the following 
amounts:

(1)	The applicable amount of insurance 
under this policy;

(2)	The actual cash value (as defined in 
II.B.2.); or

(3)	The amount it would cost to repair or 
replace the property with material of like 
kind and quality within a reasonable 
time after the loss.





GG.	IX.  LIBERALIZATION CLAUSE




If we make a change that broadens your coverage 
under this edition of our policy, but does not require 
any additional premium, then that change will 
automatically apply to your insurance as of the date 
we implement the change, provided that this 
implementation date falls within 60 days before, or 
during, the policy term stated on the Declarations 
Page. 




X.	WHAT LAW GOVERNS




This policy and all disputes arising from the 
handling of any claim under the policy are governed 
exclusively by the flood insurance regulations issued 
by FEMA, the 


National Flood Insurance Act of 1968, as amended 
(42 U.S.C. 4001, et seq.), and Federal common law.



__________________________________________________________________________________________
__________

IN WITNESS WHEREOF, we have signed this policy below and hereby enter into this Insurance Agreement.



 

David I. Maurstad
Acting Administrator, National Flood Insurance Program
Federal Emergency Management Agency



____________________________________________________________________________________
_

CLAIM GUIDELINES IN CASE OF A FLOOD
____________________________________________________________________________________
_

For the protection of you and your family, the following claim guidelines are provided by the National 
Flood Insurance Program (NFIP). If you are ever in doubt as to what action is needed, consult your 
insurance representative or call the NFIP toll-free at 1-800-638-6620 or on the TDD line at 1-800-447-
9487.

Know your insurance representative's name and telephone number. List them here for fast reference:

Insurance Representative ________________________________

Representative's Phone Number	______________________________

?	Notify us or your insurance representative, in writing, as soon as possible after the flood.

?	If you report to your insurance representative, remind him or her to assign the claim to an NFIP- 
approved claims adjuster.  The NFIP pays for the services of the independent claims adjuster 
assigned to your claim.

?	Determine the independent claims adjuster assigned to your claim and contact him or her if you have 
not been contacted within 24 hours after you reported the claim to your insurance representative. 

?	As soon as possible, separate damaged property from undamaged property so that damage can be 
inspected and evaluated.

?	Discuss with the claims adjuster any need you may have for an advance or partial payment for your 
loss.

?	To help the claims adjuster, try to take photographs of the outside of the premises showing the 
flooding and the damage and photographs of the inside of the premises showing the height of the 
water and the damaged property.

?	Place all account books, financial records, receipts, and other loss verification material in a safe place 
for examination and evaluation by the claims adjuster.

?	Work cooperatively and promptly with the claims adjuster to determine and document all claim items. 
Be prepared to advise the claims adjuster of the cause and responsible party(ies), if the flooding 
resulted from other than natural cause.

?	Make sure that the claims adjuster fully explains, and that you fully understand, all allowances and 
procedures for processing claim payments on the basis of your proof of loss. This policy requires you 
to send us detailed proof of loss within 60 days after the loss.

?	Any and all coverage problems and claim allowance restrictions must be communicated directly from 
the NFIP.  Claims adjusters are not authorized to approve or deny claims; their job is to report to the 
NFIP on the elements of flood cause and damage.

At our option, we may accept an adjuster's report of the loss instead of your proof of loss.  The adjuster's 
report will include information about your loss and the damages to your insured property.  You must sign 
the adjuster's report.  At our option, we may require you to swear to the report.










	F-144 (10/04)


	FLOOD MAPS





XLII.	OVERVIEW 

The Federal Emergency 
Management Agency (FEMA) 
provides all participating 
communities with copies of 
their flood maps. The maps 
are generally kept in 
community planning or 
building permit departments 
where they should be 
available for review.

Additional information about flood maps can be 
obtained at the FEMA Map Service Center web 
site (http://store.msc.fema.gov).

QQQ.	Types of Flood Maps

FEMA produces two types of maps for rating 
flood insurance.  For detailed information, refer 
to "Answers to Questions About the National 
Flood Insurance Program" (MitDiv-2) and "Guide 
to Flood Maps" (FEMA–258).

20.	Flood Hazard Boundary Map (FHBM)--
Initial flood hazard identification generally 
used for Emergency Program communities.

21.	Flood Insurance Rate Map (FIRM)--
Generally used for Regular Program 
communities. Some Regular Program com-
munities may use a map originally 
published as an FHBM; however, a letter 
will accompany the map in conjunction with 
conversion to the Regular Program stating 
that the map is to be considered a FIRM.

Countywide FIRMs are official sources of 
flood risk data for several communities that 
supersede all previous versions of the 
FEMA flood hazard maps for the 
communities covered. Countywide FIRMs 
show flooding information for the entire 
geographic area of a county including the 
incorporated communities within the 
county.

RRR.	Map Information

The date of the current effective map version for 
a community can be obtained by calling the 
appropriate community official or by calling the 
National Flood Insurance Program office on the 
toll-free number.  Maps provide community 
name, community number, suffix, panel number, 
map type, and the map effective date.

22.	The maps may have one panel or multiple 
panels. Most Z-fold maps have multiple 


panels. Flat maps generally consist of only 
one panel.

23.	For multiple panel maps, individual panels 
are identified on a community map index.

24.	Panel numbers are listed for that 
community's map in numerical sequence. 
FHBMs and FIRMs are drawn to show:

?	Community boundaries

?	Special Flood Hazard Areas (SFHAs)

?	Area not included in a community's 
map.   A community may be physically 
located within the overall geographical 
area, but actually stand on its own as a 
separate community. Therefore, this 
community would be shown on a 
separate map.

25.	Each panel has a panel number and 
community number. When there is only one 
panel (i.e., a flat map), the community 
number will consist of only six digits.

	Example:	Monterey County, CA .   .   . 
060195-1025. The first two 
digits of the number identify the 
state, and the next four digits 
identify the community. The last 
four digits identify the map 
panel.

26.	Most FIRMs also show:

?	Rate Zones
?	Base Flood Elevations, and/or
?	Base Flood Depths

SSS.	Communities Without a Map

These are communities without formally 
identified SFHAs that chose to have flood 
insurance coverage available even though the 
local flooding problems are too small to map. 
For any such community in the Regular 
Program, all areas within that community are 
treated as Zone C or X.




XLIII.	MAP ZONES

TTT.	Special Flood Hazard Areas (SFHAs)

27.	Zone A

The lowest floor elevation is 
required and the Base Flood 
Elevations (BFEs) are not 
provided.

28.	Zones A1-A30

The lowest floor elevation is required and the 
BFEs are provided.

29.	Zone AE

Used in place of A1-A30 on some maps.

30.	Zone AH

Shallow water depths (ponding) and/or 
unpredictable flow paths between 1 and 3 feet 
occur. BFEs are provided.

31.	Zone AO

Shallow water paths (sheet flow) and/or 
unpredictable flow paths between 1 and 3 feet 
occur. BFEs are not provided. Base flood depths 
may be provided.

32.	Zone A99

Enough progress has been made on a 
protective system such as dikes, dams, and 
levees to consider it complete for insurance 
rating purposes. BFEs are not provided. For the 
purpose of determining Community Rating 
System premium discounts, all AR and A99 
zones are treated as non-SFHAs.

33.	Zone AR

Area that results from the 
decertification of a 
previously accredited flood 
protection system that is 
determined to be in the 
process of being restored to 
provide base flood 
protection. For the purpose 
of determining Community 
Rating System premium 
discounts, all AR and A99 
zones are treated as non-
SFHAs.

34.	Zones AR/AE, AR/AH, AR/AO, AR/A1-A30, 
AR/A

Dual flood zones that, 
because of flooding from 
other water sources that the 
flood protection system does 
not contain, will continue to 
be subject to flooding after 
the flood protection system 
is adequately restored. For 
the purpose of determining 
Community Rating System 
premium discounts, all AR and 
A99 zones are treated as non-
SFHAs.

35.	Zone V

An area that is inundated by tidal floods with 
velocity (coastal high hazard area). BFEs are 
not provided.

36.	Zones V1-V30

Identical to V Zone, but BFEs are provided.

37.	Zone VE

Used in place of V1-V30 on some maps.

38.	Zone VO

An area having shallow water depths and/or 
unpredictable flow paths between 1 and 3 feet 
with velocity.

UUU.	Moderate, Minimal Hazard Areas

39.	Zones B, C, X

Areas of moderate or minimal hazard subject to 
flooding from severe storm activity or local 
drainage problems. These zones may be lightly 
shaded or unshaded on the FIRM. Zone X is the 
designation for B and C Zones and is used in 
place of these zones on some maps.

40.	Zone D

An area where the flood hazard is undetermined 
and which usually is very sparsely populated. 
The designation of Zone D can also be used for 
rating when one community incorporates 
portions of another community's area where no 
map has been prepared.

XLIV.	LOCATING A SPECIFIC 
PROPERTY ON A MAP

?	Check the map index to identify the correct 
map panel.

?	Directly locate the property by the address 
or other information. It may help to 
compare the FHBM or FIRM to a more 
detailed map, such as an assessor's map 
or community street map.

?	Note the map color where the property is 
located. On FHBMs and FIRMs, areas 
darkly shaded are the SFHAs. On an 
FHBM, no other zone data may be given. 
On a FIRM, the zones are also given an 


	alpha designation. All the area within the 
boundaries indicated for a zone carries that 
one zone designation.

?	Base Flood Elevations in SFHA zones (A1-
A30 [or AE], AH, V1-V30 [or VE]) are 
shown within wavy lines. In some SFHA 
zones, where the BFE does not vary within 
the entire zone, the BFE is indicated in 
parentheses. If required by terrain, a BFE 
for the property may be interpolated using 
the closest BFE indicators. In this case, it is 
important to document the finding.

XLV.	CHANGING OR CORRECTING A FLOOD 
MAP

There are three procedures:

VVV.	Letter of Map Amendment (LOMA)

If the applicant/insured believes that the 
requirement to purchase flood insurance was 
made in error and there is evidence that the 
building is not in the Special Flood Hazard Area 
(SFHA) on the effective Flood Insurance Rate 
Map (FIRM), the applicant/insured may apply for 
a Letter of Map Amendment (LOMA).

A LOMA is a determination made by the Federal 
Emergency Management Agency (FEMA) for 
property and/or building as to whether it is 
located within the SFHA.  LOMA determinations 
are based on the following:

?	Comparing the location of the property to the 
SFHA.

?	Comparing the elevation of the 
property to the 1-percent-
annual-chance flood elevation.

If, after plotting the location on the FIRM, the 
FEMA examiner finds that the property and/or 
building is not shown in the SFHA, then the 
Determination will be "Out As Shown," rather 
than "Removed."  The FEMA Out-As-Shown 
Determination will state that the property or 
building is correctly shown outside the SFHA 
and, therefore, the mandatory flood insurance 
requirement does not apply.

An Out-As-Shown Determination does not 
require elevations.  The minimum requirements 
to make an Out-As-Shown Determination are as 
follows:

?	A photocopy of the FIRM panel 
(including the title block) that shows the 
area in which the property is located.




?	Section A of the MT-EZ form, which is 
found in the MT-EZ application package 
and can be obtained from the FEMA 
web site at www.fema.gov/fhm/dl_mt-
ez.shtm, or by calling the toll-free 
number listed below.

?	A copy of the subdivision Plat Map of the 
area, showing the recordation data (i.e., 
Book/Volume and Page numbers) and 
containing the recorder's seal.

OR

?	A copy of the deed for the property, showing 
the recordation information (i.e., Book/ 
Volume and Page numbers) and containing 
the recorder's seal, accompanied by a tax 
assessor's or other suitable map showing 
the surveyed location of the property and at 
least two street intersections that are also 
shown on FEMA's FIRM.  

In some cases, additional information may be 
required to make a determination.

Questions about LOMAs may be 
directed to the FEMA Map 
Assistance Center toll-free 
information line at 1-877-
FEMA-MAP (1-877-336-2627).

WWW.	Letter of Map Revision (LOMR)

A LOMR is an official 
revision to the currently 
effective FEMA map. It is 
used to change flood zones, 
floodplain and floodway 
delineations, flood 
elevations, and planimetric 
features. All requests for 
LOMRs must be made to FEMA 
through the chief executive 
officer of the community, 
since it is the community 
that must adopt any changes 
and revisions to the map. A 
LOMR is usually followed by a 
physical map revision.

XXX.	Physical Map Revision

A physical map revision is an official republication of a map 
to effect changes to flood insurance zones, floodplain 
delineations, flood elevations, floodways, and 
planimetric features. 

The community's chief executive officer can 
submit scientific and technical data to FEMA to 
support the request for a map revision. The data 
will be analyzed, and the map will be revised if 
warranted.

NOTE:	To verify past rating determinations and 
to establish floodplain management 
compliance requirements, old maps 
should be retained.



XLVI.	ORDERING FLOOD MAPS

Flood maps and related 
products may be ordered by 
writing to the FEMA Map 
Service Center (MSC) at P.O. 
Box 1038, Jessup, MD 20794-
1038.  Orders also may be 
placed by calling the MSC's 
toll-free number, 1-800-358-
9616, from 8:00 a.m. to 8:00 
p.m., Monday through Friday.

Information about flood maps and other products 
also is available at the Map Service Center web 
site (http://store.msc.fema.gov). Visitors to the 
site now can download and print free 
"FIRMettes"—user-selected portions of official 
FEMA Flood Insurance Rate Maps.  Regular 
visitors may set up accounts to order and pay for 
fee-based products online.

The MSC distributes Flood Hazard Boundary 
Maps (FHBMs), Flood Insurance Rate Maps 
(FIRMs), and Flood Insurance Studies (FIS) in 
hardcopy format.  Digital flood data, known as 
Q3, are available on CD ROM for approximately 
900 counties nationwide. The Q3 data require 
GIS software for use.  Call the MSC at 1-800-
358-9616 for Q3 information for specific areas.

YYY.	Ordering Instructions 

Z-fold maps may be ordered by 
community number and panel 
number. Flat map orders 
require a 6-digit community 
number. When ordering maps, 
be sure to identify specific 
map panels needed. 


B.	Prices

There is a $2.00 charge for each map panel, 
including index maps, plus shipping. Q3 data are 
$50 per CD ROM. Federal, state, and local 
governments are exempt from the fees for 
hardcopy maps. However, government entities 
must pay for Q3 CD ROMs.

A chart showing MSC products, services, and 
fees is provided on page MAP 5.  Orders must 
be prepaid, and all sales are final. 
Overpayments of less than $3 are not refunded.

The MSC accepts VISA, 
MasterCard, and American 
Express credit card charges, 
deposit accounts (see C., 
following), and checks. 
Credit card and deposit 
account orders can be faxed 
to 1-800-358-9620. Checks 
should be made payable to 
"NFIP" and mailed to the 
address above.

C.	Map Revisions

To automatically receive map revisions, an 
account must be set up by either check or credit 
card. Accounts are established with a check of 
$100 minimum. The check should be sent to the 
MSC at the address above, along with a list of 
the required map areas. As the revised maps 
become available, they will be sent 
automatically, and appropriate fees will be 
deducted from the deposit account. 

Revised map information also may be obtained 
from the Flood Map Status Information Service 
(FMSIS) or the Community Status Book. For 
more information, call MSC at 1-800-358-9616.





MSC Products, Services, and Costs
http://store.msc.fema.gov

Product or Service

Fee

Shipping Charge

Paper copies of FHBM, FIRM  
DFIRM, or FBFM panels

$2.00 per panel

$0.37 per panel for first 10 panels 
plus $0.03 for each additional panel

Paper copies of FIS (not 
including FBFM panels that are 
included as exhibit)

$5.00 per FIS volume

$4.00 for first FIS plus $0.40 for each 
additional FIS

Hurry Charge for FHBM, FIRM, 
DFIRM, FBFM, or FIS

$33.00 per order

Based on product and units shipped; 
no additional shipping charge if 
customer provides own shipping 
account

Q3 Flood Data Files

$50.00 per CD-ROM

$3.65 for first 4 CD-ROMs, plus 
$0.10 for each additional CD-ROM in 
the same order

CBRA Q3 Flood Data Files

$50.00 per CD-ROM

$3.65 for first 4 CD-ROMs, plus 
$0.10 for each additional CD-ROM in 
the same order

Community Status Book

$2.50 per state 
$20.50 for entire U.S.

Annual Subscription:
$50.00 per state or $250.00 for 
entire U.S.

$1.00 per state 
$4.65 for entire U.S.

Not applicable

Flood Map Status Information 
Service (FMSIS) 

$13 per state 
$38 for entire U.S.


Annual Subscription:
$148 per state; $419 for all 
states

$3.65 for first 4 CD-ROMs, plus 
$0.10 for each additional CD-ROM in 
the same order

Not applicable

LOMC Subscription Service

$85 per issue

Annual Subscription: $2,000 

$3.65 for first 4 CD-ROMs, plus 
$0.10 for each additional CD-ROM 


NFIP Flood Insurance Manual
Complete Manual

Producer's Edition

$25.00 per copy for Complete 
Manual

$15.00 per copy for Producer's 
Edition

Not applicable

Community Map Action List 
(CMAL)

Free

$0





 


 
	PROVISIONAL RATING





XLVII.	GENERAL DESCRIPTION

Provisional rating is available to enable the 
placement of coverage prior to receipt of the 
Elevation Certificate. It is expected that an 
Elevation Certificate will be secured and standard 
rating completed within 60 days of the policy 
effective date. Failure to obtain the Elevation 
Certificate could result in reduced coverage limits 
at the time of a loss. A sample rate questionnaire 
and a sample notice to the policyholders 
informing them of their obligations under a 
provisionally rated policy are included in this 
section.

Provisional rates may be used in writing new 
business whether or not the 30-day waiting period 
is applicable.

Provisionally rated policies are subject to CRS 
Premium Discount, Probation Surcharge, and 
optional deductible factors, as applicable. The 
Federal Policy Fee and ICC Premium also apply 
to provisionally rated policies. 

XLVIII.	ELIGIBILITY REQUIREMENTS

Provisional rating is available only for newly 
insured risks meeting the following criteria:

?	Post-FIRM
?	1-4 family residential buildings
?	Property located in either
	-	Zones AE, A1-A30, or
	-	Zone A where the community provides 
estimated Base Flood Elevations (BFEs).

Manufactured (mobile) homes are not eligible.

Policies written with provisional rates cannot be 
renewed or rewritten with provisional rates. In 
addition, an insured who has purchased a 
provisionally rated policy on a given property may 
not purchase another provisionally rated policy on 
that same property.

XLIX.	REFORMATION

While provisionally rated policies may remain in 
effect for up to 1 year, standard rating must be 
accomplished prior to any claim payment, should 
there be a loss.

D.	Limitations

A provisionally rated policy has limited 
reformation rights.

1.	Prior to any loss, a policy may be 
reformed back to the effective date upon 
receipt 



of the Elevation Certificate and the 
appropriate actuarial rating. If the additional 
premium that results because of a 
reformation of the policy is not received 
from the insured, the coverage will be 
reduced.

2.	If receipt is within 60 days of the 
effective date, the policy may be reformed 
back to the effective date even if a loss 
occurred before receipt.

3.	After a loss, reformation is not 
permitted. A policy must be rated with an 
Elevation Certificate prior to any claim 
payment. Coverage will be limited to the 
amount that would have been purchased 
using actuarial rating with the amount of 
premium already submitted. The amount of 
coverage may not exceed the amount 
originally requested.

E.	Endorsement Procedure

The provisionally rated policy may not be 
endorsed to increase coverage until the policy 
has been reformed to a standard rated policy. At 
that time, all standard endorsement rules apply 
(e.g., 30-day wait). In order to reform the rating 
method of a provisionally rated policy, the agent 
should submit a General Change Endorsement 
form along with the necessary documentation. 
The reason for change should be listed as 
"reforming from provisional to standard rating." 
Any additional premium due should be calculated 
and submitted at that time.

F.	Endorsement Alternative

Prior to any loss, in the case where the actuarial 
premium is higher than the provisional premium, 
an insured may elect to pay the premium due for 
the remainder of the policy term. In that case, 
the coverage will be restored to the originally 
requested amounts after a 30-day waiting 
period.

L.	NOTIFICATION REQUIREMENTS

When a policy is issued using provisional rating, 
along with the declaration pages, a notice will be 
provided to the insured, the agent, and the lender 
(if applicable), that explains the nature of the 
coverage, the limited reformation rights, and the 
expectation that actuarial rating will be 
accomplished.





LI.	COMPLETING THE PROVISIONAL
	RATING QUESTIONNAIRE

A.	General Directions

The Provisional Rating Questionnaire, shown on 
page PR 3, is for Post-FIRM properties in Zones 
A with estimated BFE, A1-30, and AE where 
there is no Elevation Certificate at the point of 
sale. Eligibility is restricted to 1-4 family 
buildings. The form must be completed and 
attached to the Flood Insurance Application 
form.

The following are instructions for completing the 
questionnaire.

1.	Enter the name, property 
address, city, state, and ZIP 
Code.

2.	Enter the policy number, if 
known.

3.	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 Flood 
Insurance Application.

4.	For questions 1-4 on the Provisional Rating 
Questionnaire, start with question 1 and proceed 
until a question is answered affirmatively. That 
will indicate the foundation type that is to be used 
in selecting the rate from the table below.



5.	To complete the Flood Insurance Application, 
attach the questionnaire and use the rates in the 
table indicated by the answers to the questions 1-4. 
Then complete the premium calculation section on 
the Flood Insurance Application. Note that 
optional deductibles, ICC Premium, CRS Premium 
Discount, Probation Surcharge, and Federal Policy 
Fee affect the Total Prepaid Amount calculation 
for provisional rates.

B.	Guidance for Determining Building 
Elevated on Fill

It is often difficult to recognize when a building 
has been elevated on fill. The following questions 
are provided to help in correctly determining this 
for the questionnaire.

1.	Is the building built on a mound 
of earth?  An indication could 
be that the land slopes 
significantly down away from 
the building in the front and 
rear, or the driveway slopes 
significantly down towards the 
street.

2.	Is the front door threshold at 
least 3 feet above the crown of 
the street?

3.	Do steps up from the street to 
the house result in at least a 3-
foot rise?

4.	Is the lower floor of the house at 
least 2 feet above the floor of 
the garage?

If the answer is "yes" to one of the above, then 
there is reasonable confidence that the building is 
built on fill.



	
NATIONAL FLOOD INSURANCE PROGRAM
PROVISIONAL RATING QUESTIONNAIRE
1-4 Family Post-FIRM Zones A1, A1-A30, AE
(To be attached to the Flood Insurance Application)

NAME	                                                                     	POLICY NUMBER _____________________
PROPERTY ADDRESS                                              	Policy Period is from                     to ________


Answer the questions below. Use the rates associated with the first "yes" response. These rates are to be 
used on the Flood Insurance Application.

Yes	No

	?	?	  1.	Is there a basement?

	?	?	  2.	Is the house built on fill2 or with a crawl space?

	?	?	  3.	Is the house elevated on pilings, piers, or columns?
				  If yes, determine if there is an enclosed area underneath the building.

	?	?	  4.	Were the answers to the previous three questions all no?
				  Then the house is assumed to be slab on natural grade.



	BUILDING TYPE*
	CONTENTS LOCATION


	FOUNDATION
	TYPE
One Floor
No 
Basement
More Than 
One Floor
(Basement 
or No 
Basement)
Basement 
and 
Above
Lowest 
Floor Only - 
Above 
Ground 
Level (Not 
in 
Basement)
Lowest Floor 
Above 
Ground 
Level and 
Higher (Not 
in 
Basement)
Above3 
Ground 
Level - 
More 
Than 
One Full 
Floor
Basement

1.23/.66
1.29/.13
.96/.13
.68/.13
.35/.12
Fill or Crawl Space
.88/.34
.88/.34

1.49/.62
.95/.45
.35/.12
Piles, Piers, or 
Columns
  With Enclosure
  No Enclosure


.88/.08
.53/.08


.88/.08
.46/.08



1.40/.14
1.04/.14


1.09/.13
.73/.13


.35/.12
.35/.12
On Grade
3.58/2.15
3.58/2.15

6.77/4.07
6.77/4.07
.35/.12

    *	Add $6 ICC Premium and $50.00 Probation Surcharge, if applicable, for all provisionally rated policies.


    1	Provisional Rates are restricted to Unnumbered A Zones where communities provide estimated BFEs.

    2	For information on how to determine if a house is built on fill, see the guidelines on PR 2.

    3	The "Above Ground Level - More Than One Full Floor'' rates are applicable to 2-4 family structures only.


VI.	PROVISIONAL RATING EXAMPLE

REGULAR  PROGRAM,  POST-FIRM  CONSTRUCTION


Data Essential To Determine Appropriate Rates and Premium:

?	Regular  Program
?	Flood  Zone:  		A with estimated BFE, AE, or A1-A30
?	Occupancy:			Single  Family Dwelling
?	# of Floors:			3 Floors
?	Basement/Enclosure:	Basement
?	Deductible:			$3,000/$2,000
?	Deductible Factor:		.850
?	Contents  Location:		Basement and Above
?	Date of Construction:	Post-FIRM
?	Elevation Difference:	N/A
?	Flood Proofed  Yes/No:	No
?	Building  Coverage:		$250,000
?	Contents  Coverage:	$100,000
?	ICC  Premium:		$6
?	CRS  Rating:		N/A
?	CRS  Discount:		N/A
?	Probation Surcharge:	$50

Determined  Rates:
Building:   1.23/.66		Contents:    1.29/.13


BASIC LIMITS
ADDITIONAL LIMITS
(REGULAR PROGRAM 
ONLY)

DEDUCTIB
LE
BASIC 
AND
ADDITIO
NAL

COVER
AGE
AMOUNT 
OF 
INSURANC
E
RA
TE
ANNU
AL 
PREM
IUM
AMOUNT 
OF
INSURANC
E
RAT
E
ANNU
AL 
PREMI
UM
PREM. 
REDUCTIO
N/
INCREASE
TOTAL 
AMOUNT 
OF 
INSURAN
CE
TOTAL
PREMI
UM
BUILDI
NG
50,000
1.2
3
615
200,000
.66
  1,320
290   
250,000
1,645
CONTE
NTS
20,000
1.2
9
258
80,000
.13
     104
54   
100,000
308
RATE TYPE:  (ONE BUILDING PER 
POLICY?BLANKET COVERAGE NOT PERMITTED)
PAYMENT
ANNUAL SUBTOTAL
1,953
? MANUAL			? SUBMIT FOR 
RATING
OPTION:
ICC PREMIUM
6
? ALTERNATIVE		? V-ZONE RISK 
RATING FORM
? CREDIT 
CARD
SUBTOTAL
1,959
? MORTGAGE PORTFOLIO PROTECTION 
PROGRAM
? OTHER:
CRS PREMIUM 
DISCOUNT            %
?    
? PROVISIONAL RATING

SUBTOTAL
1,959
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY 
KNOWLEDGE. I UNDERSTAND
PROBATION 
SURCHARGE
50
THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE 
OR IMPRISONMENT UNDER
FEDERAL POLICY FEE
30
APPLICABLE FEDERAL LAW.
TOTAL PREPAID 
AMOUNT
2,039
SIGNATURE OF INSURANCE AGENT/BROKER		
	DATE (MM/DD/YY) 


Premium  Calculation:
1.   Multiply Rate  x  $100 of Coverage:  		Building: $1,935  /  Contents: $362
2.   Apply Deductible Factor:			Building: .850 x $1,935 = $1,645 / Contents: .850 x $362 = $308
3.   Premium Reduction:				Building:  $290  /  Contents:  $54
4.   Subtotal:					$1,953
5.   Add ICC Premium:				$6
6.   Subtract CRS Discount:			N/A
7.   Subtotal:					$1,959
8.   Probation Surcharge:			$50
9.   Add Federal Policy Fee:			$30
10. Total Prepaid Amount:			$2,039




	SAMPLE NOTICE TO ACCOMPANY PROVISIONALLY RATED POLICIES

At the request of you and your agent, the enclosed Standard Flood Insurance Policy has been issued using 
provisional rates because an Elevation Certificate was not available at the time of application. An Elevation 
Certificate is necessary to determine a premium that accurately reflects the flood risk (i.e., actuarial rates). By 
accepting this provisionally rated policy, you agree to submit an Elevation Certificate within 60 days of your policy 
becoming effective. Your agent can assist you in obtaining a certificate. Failure to comply with this requirement 
may result in lower coverage limits than those shown on the enclosed declarations page and may affect other 
aspects of your coverage. This policy is issued for a 1-year term and cannot be renewed using provisional rates.

It is likely that after you submit a valid Elevation Certificate, the resulting actuarial premium will be determined to be 
lower than the provisional premium. In that case, you will receive a refund of the difference for the policy term.

If the actuarial premium is determined to be higher, the following rules apply:

(1)		If within 60 days of the policy effective date, we receive from you a valid Elevation Certificate with any 
additional premium due as a result of using actuarial rates, the coverage limits on the enclosed 
declarations page will be in force from the effective date. Those coverage limits will apply even to a loss 
occurring before we receive the Elevation Certificate and additional premium. Actuarial rating will be 
completed before the loss payment is made.

(2)		If we receive from you a valid Elevation Certificate and any additional premium due as a result of using 
actuarial rates more than 60 days after the policy effective date but before a loss occurs, you have two 
options. You may submit the additional premium for the entire policy term, in which case the coverage 
limits on the enclosed declarations page will be in force from the effective date. Alternatively, you may 
submit the additional premium, computed for the remainder of the policy term with a 30-day waiting 
period. In this latter case, the originally requested coverage limits will only apply to any loss occurring 
after the waiting period. Reduced coverage limits as described in number (3) below will apply to any loss 
occurring within the waiting period.

(3)		If neither (1) nor (2) above applies, actuarial rates must be determined before any loss payment will be 
made. If the actuarial premium is more than the provisional premium, the coverage limits will be less 
than those shown on the enclosed declarations page. In that case, the loss payment will be subject to 
the reduced coverage limits, which will be the coverage limits that the provisional premium would buy 
using the actuarial rates. If you want to increase your reduced coverage limits, a 30-day waiting period 
will apply to the additional coverage.

If you have any questions, please contact your insurance agent for assistance.




COASTAL BARRIER RESOURCES SYSTEM







The Coastal Barrier Resources Act (Pub. L. 97-348) 
and the Coastal Barrier Improvement Act of 1990 
(Pub. L. 101-591) are federal laws that were 
enacted on October 18, 1982, and November 16, 
1990, respectively. The legislation was implemented 
as part of a Department of the Interior (DOI) 
initiative to minimize loss of human life by 
discouraging development in high-risk areas, 
reduce wasteful expenditures of federal resources, 
and preserve the ecological integrity of areas 
Congress designates as a Coastal Barrier 
Resources System (CBRS) and Otherwise 
Protected Areas (OPAs). The laws provide this 
protection by prohibiting all federal expenditures or 
financial assistance, including flood insurance, for 
residential or commercial development in areas so 
identified.

The 1990 Act amends the 1982 Act by adding 
and deleting CBRS areas and by adding OPAs. 
As a result, revisions are made to the Flood 
Insurance Rate Maps (FIRMs) for the affected 
communities.  Both of the laws provided 1-year 
grace periods for the NFIP to comply with the 
statutory requirements; October 1, 1983, for the 
1982 Act and November 16, 1991, for the 1990 
Act.  The 1-year grace period for the 1990 Act 
applies only to the OPAs.  New CBRS areas 
established by the 1990 Act have no grace 
period.

To determine if a building is eligible for flood 
insurance coverage, the producer should consult 
the list of communities where coastal barriers 
and/or OPAs have been identified. The list is 
included in this section. The community's map 
should always be reviewed to determine if the 
property to be insured is located in a designated 
CBRS area or an OPA.

A listing of map panels that have CBRS areas is 
available on the FEMA website 
(www.fema.gov/nfip/cobra.shtm). The website 
page is for information and notification purposes 
only.  The website does not determine flood 
insurance eligibility or status in relation to a CBRS 
or an OPA; it merely indicates whether a 
particular Flood Insurance Rate Map (FIRM) 
panel contains a portion of the CBRS or an OPA. 
Further study of the FIRM and property location 
and/or the building's date of construction in 
relation to the CBRS designation date is 
necessary to determine whether a specific 
property is eligible for flood insurance.

Buildings may be eligible for flood insurance even 
if they are located within such areas.  Eligibility


depends upon which Act identified that 
community as having such areas.

Eligibility under the 1982 Act for a building in a 
CBRS area requires that:

?	A legally valid building permit for the 
construction of the building was issued prior 
to October 1, 1983; and  

?	The building was built (walled and roofed) 
prior to October 1, 1983; and 

?	The building was not substantially improved 
or substantially damaged on or after October 
1, 1983.

Eligibility under the 1990 Act for a building in a 
CBRS area or OPA requires that:

?	For CBRS areas:

?	A legally valid building permit for the 
construction of the building was issued 
prior to November 16, 1990; and 
	
?	The actual start of construction of the 
building was prior to November 16, 1990; 
and

?	The building was not substantially 
improved or substantially damaged on or 
after November 16, 1990.

?	For OPAs:

?	A legally valid building permit for the 
construction of the building was issued 
prior to November 16, 1991; and

?	A building in an OPA was built (walled and 
roofed) no later than November 16, 1991; 
and

?	The building was not substantially 
improved or substantially damaged after 
November 16, 1991.
					OR
?	The building is used in a manner 
consistent with the purpose for which the 
area is protected, regardless of the date of 
construction.

Eligibility under other CBRS amendments is 
based on the preceding rules applied to the date 
the insurance prohibition became effective.


When an application for flood insurance is 
submitted for buildings located in CBRS and/or 
OPA communities, the following types of 
documentation must be submitted as evidence of 
eligibility by the producer writing through the NFIP 
Direct:

?	For buildings built on or after the date the 
insurance prohibition became effective, a 
legible copy of the current map panel 
indicating that the building is not in a CBRS 
area or OPA.

?	For buildings in CBRS areas and OPAs

	?	A legally valid building permit, or if the 
building permit was lost or destroyed, a 
written statement to this effect signed by 
the community official responsible for the 
building permits will be accepted in lieu of 
the building permit; and
	
	?	A statement by a responsible community 
official that:

1.	The walls and roof of the building were 
in place (1982 Act) or the start of 
construction took place (1990 Act), 
before the date the insurance 
prohibition became effective, and

2.	The building was not substantially 
improved or substantially damaged on 
or after the date the insurance 
prohibition became effective. 

?	Other forms of acceptable documentation 
include:

1.	First mortgage financing records

2.	Property tax records

3.	Electrical permit records

4.	On-site septic or sewer system 
records

5.	State Coastal Zone Management 
Agency records

6.	State Wetlands Program permit 
records


?	For structures in OPAs only
	
	?	Certification from the governmental body 
overseeing the area indicating that a 
building in an OPA is used in a manner 
consistent with the purpose for which the 
area is protected may be submitted in 
lieu of the above documentation. 
	
If a producer writing through the NFIP Direct is uncertain 
whether a building is located in a CBRS area or an 
OPA, the following procedure should be used:
	
?	Do not collect the premium. 
	
?	Mark the Application "Possible CBRS."
	
?	Attach a legible copy of the map panel 
showing the community number, map suffix, 
and FIRM date. Mark the risk's location on 
the FIRM.

?	Attach a copy of a plat survey or tax map.

?	Provide a copy of a county or municipal street 
map that shows the area surrounding the 
property location and has the risk's location 
clearly marked. Also provide, if available, an 
aerial photograph that shows the property in 
question, a metes and bounds description of 
the location, and/or the latitude and longitude 
of the property.

?	Provide a statement explaining the 
mechanism used to identify whether the 
property is located inside or outside the 
CBRS/OPA (e.g., contacted community's Tax 
Office).

?	Mail all documentation listed above and a 
readable photocopy of the Application to the 
NFIP Servicing Agent, P.O. Box 29138, 
Shawnee Mission, KS 66201-9138.

An agent writing through a Write Your Own 
Company should contact that company for 
guidance. 






COMMUNITY NAME



STATE
COMMUNITY
NUMBER



BARRIERS
OTHER
PROTECTED
AREAS
Baldwin County (Uninc. Areas)
AL
015000
Y
Y
Dauphin Island (Town)
AL
010418
Y
Y
Gulf Shores (Town)
AL
015005
N
Y
Mobile County (Uninc. Areas)
AL
015008
Y
N
Branford (Town)
CT
090073
Y
N
Bridgeport (City)
CT
090002
Y
Y
Clinton (Town)
CT
090061
Y
Y
East Lyme (Town)
CT
090096
Y
N
Fenwick (Borough)
CT
090187
Y
N
Groton (City)
CT
090126
Y
N
Groton (Town)
CT
090097
Y
Y
Groton Long Point Association
CT
090167
Y
N
Madison (Town)
CT
090079
Y
N
Milford (City)
CT
090082
Y
Y
New Haven (City)
CT
090084
N
Y
New London (City)
CT
090100
Y
N
Norwalk (City)
CT
090012
Y
Y
Old Lyme (Town)
CT
090103
Y
N
Old Saybrook (Town)
CT
090069
Y
N
Stonington (Borough)
CT
090193
Y
N
Stonington (Town)
CT
090106
Y
N
Stratford (Town)
CT
090016
N
Y
Waterford (Town)
CT
090107
Y
N
West Haven (City)
CT
090092
N
Y
Westbrook (Town)
CT
090070
Y
N
Westport (Town)
CT
090019
Y
Y
Kent County (Uninc. Areas)
DE
100001
Y
Y
Lewes (City)
DE
100041
N
Y
Little Creek (Town)
DE
100015
N
Y
Rehoboth Beach (City)
DE
105086
Y
Y
Slaughter Beach (Town)
DE
100050
Y
Y
Sussex County (Uninc. Areas)
DE
100029
Y
Y
Bay County (Uninc. Areas)
FL
120004
Y
Y
Bradenton Beach (City)
FL
125091
Y
Y
Brevard County (Uninc. Areas)
FL
125092
Y
Y
Cedar Key (City)
FL
120373
Y
Y
Charlotte County (Uninc. Areas)
FL
120061
Y
Y
Clearwater (City)
FL
125096
Y
Y
Collier County (Uninc. Areas)
FL
120067
Y
Y
Dade County (Uninc. Areas)
FL
120635
Y
Y
Dania (City)
FL
120034
N
Y
Destin (City)
FL
125158
Y
Y
Dixie County (Uninc. Areas)
FL
120336
Y
N
Dunedin (City)
FL
125103
Y
Y
Escambia County (Uninc. Areas)
FL
120080
Y
Y
Fernandina Beach (City)
FL
120172
N
Y
Flagler County (Uninc. Areas)
FL
120085
Y
N
Fort Lauderdale (City)
FL
125105
N
Y
Fort Pierce (City)
FL
120286
Y
Y
Franklin County (Uninc. Areas)
FL
120088
Y
Y
Gulf Breeze (City)
FL
120275
Y
Y
Gulf County (Uninc. Areas)
FL
120098
Y
Y
Hillsborough Co. (Uninc. Areas)
FL
120112
Y
Y
Hollywood (City)
FL
125113
Y
Y
Indian River Co. (Uninc. Areas)
FL
120119
Y
Y
Islamorada (Village)
FL
120424
Y
Y
Islandia (City)
FL
120647
Y
Y
Jacksonville (City)
FL
120077
Y
Y
Jupiter (Town)
FL
125119
N
Y
Jupiter Island (Town)
FL
120162
Y
Y
Key Biscayne (Village)
FL
120648
N
Y
Layton (City)
FL
120169
N
Y
Lee County (Uninc. Areas)
FL
125124
Y
Y
Levy County (Uninc. Areas)
FL
120145
Y
Y
Longboat Key (Town)
FL
125126
Y
Y
Malabar (Town)
FL
120024
Y
N
Manatee County (Uninc. Areas)
FL
120153
Y
Y
Marathon (City)
FL
120681
Y
N
Martin County (Uninc. Areas)
FL
120161
Y
Y
Miami (City)
FL
120650
N
Y
Miami Dade County
FL
120635
N
Y
Monroe County (Uninc. Areas)
FL
125129
Y
Y
Naples (City)
FL
125130
Y
N
Nassau County (Uninc. Areas)
FL
120170
N
Y
New Smyrna Beach (City)
FL
125132
Y
N
North Palm Beach (Village)
FL
120217
N
Y
Oak Hill (City)
FL
120624
N
Y
Okaloosa County (Uninc. Areas)
FL
120173
Y
N
Orchid (Town)
FL
120122
Y
Y
Palm Bay (City)
FL
120404
Y
N
Palm Beach Co. (Uninc. Areas)
FL
120192
N
Y
Pasco Co. (Uninc. Areas)
FL
120230
N
Y
Pensacola Beach-SRIA
FL
125138
Y
Y
Pinellas County (Uninc. Areas)
FL
125139
Y
Y
Ponce Inlet (Town)
FL
120312
Y
N
Port St. Joe (City)
FL
120099
Y
N
Port St. Lucie (City)
FL
120287
Y
N
Riviera Beach (City)
FL
125142
N
Y
Sanibel (City)
FL
120402
Y
Y
Santa Rosa Co. (Uninc. Areas)
FL
120274
Y
Y
Sarasota (City)
FL
125150
N
Y
Sarasota County (Uninc. Areas)
FL
125144
Y
Y
Sewall's Point (Town)
FL
120164
Y
N
St. Augustine (City)
FL
125145
Y
Y
St. Johns County (Uninc. Areas)
FL
125147
Y
Y
St. Lucie County (Uninc. Areas)
FL
120285
Y
Y
St. Petersburg (City)
FL
125148
N
Y
Titusville (City)
FL
125152
N
Y
Venice (City)
FL
125154
N
Y
Volusia County (Uninc. Areas)
FL
125155
Y
Y
Wakulla County (Uninc. Areas)
FL
120315
Y
N
Walton County (Uninc. Areas)
FL
120317
Y
Y
Bryan County (Uninc. Areas)
GA
130016
N
Y
Camden County (Uninc. Areas)
GA
130262
Y
Y
Chatham County (Uninc. Areas)
GA
130030
Y
Y
Glynn County (Uninc. Areas)
GA
130092
Y
Y
Jekyll Island State Park
GA
130201
N
Y
Liberty County (Uninc. Areas)
GA
130123
N
Y
McIntosh County (Uninc. Areas)
GA
130130
N
Y
Cameron Parish (Uninc. Areas)
LA
225194
Y
Y
Grand Isle (Town)
LA
225197
Y
Y
Iberia Parish (Uninc. Areas)
LA
220078
N
Y
Jefferson Parish (Uninc. Areas)
LA
225199
Y
Y
La Fourche Parish (Unincorp.)
LA
225202
Y
N
Plaquemines Parish (Unincorp.)
LA
220139
Y
Y
St. Bernard Parish (Unincorp.)
LA
225204
Y
Y
St. Mary Parish (Uninc. Areas)
LA
220192
Y
N
Terrebonne Parish (Unincorp.)
LA
225206
Y
N
Vermilion Parish (Unincorp.)
LA
220221
Y
Y
Aquinnah (Town)
MA
250070
Y
Y
Barnstable (Town)
MA
250001
Y
Y
Beverly (City)
MA
250077
Y
N
Boston (City)
MA
250286
Y
Y
Bourne (Town)
MA
255210
Y
N
Brewster (Town)
MA
250003
Y
N
Chatham (Town)
MA
250004
Y
Y
Chilmark (Town)
MA
250068
Y
Y
Cohasset (Town)
MA
250236
Y
N
Dartmouth (Town)
MA
250051
Y
Y
Dennis (Town)
MA
250005
Y
Y
Duxbury (Town)
MA
250263
Y
N
Eastham (Town)
MA
250006
Y
Y
Edgartown (Town)
MA
250069
Y
Y
Essex (Town)
MA
250080
Y
N
Fairhaven (Town)
MA
250054
Y
N
Falmouth (Town)
MA
255211
Y
N
Gloucester (City)
MA
250082
Y
N
Gosnold (Town)
MA
250071
Y
Y
Hull (Town)
MA
250269
Y
N
Ipswich (Town)
MA
250086
Y
Y
Kingston (Town)
MA
250270
Y
N
Manchester (Town)
MA
250090
Y
N
Marion (Town)
MA
255213
Y
N
Marshfield (Town)
MA
250273
Y
N
Mashpee (Town)
MA
250009
Y
Y
Mattapoisett (Town)
MA
255214
Y
N
Nantucket (Town)
MA
250230
Y
N
Newbury (Town)
MA
250096
N
Y
Oak Bluffs (Town)
MA
250072
Y
Y
Orleans (Town)
MA
250010
Y
Y
Plymouth (Town)
MA
250278
Y
N
Provincetown (Town)
MA
255218
N
Y
Quincy (City)
MA
255219
N
Y
Rockport (Town)
MA
250100
Y
N
Rowley (Town)
MA
250101
N
Y
Salisbury (Town)
MA
250103
N
Y
Sandwich (Town)
MA
250012
Y
Y
Scituate (Town)
MA
250282
Y
N
Swampscott (Town)
MA
250105
Y
N
Swansea (Town)
MA
255221
Y
N
Tisbury (Town)
MA
250073
Y
N
Truro (Town)
MA
255222
Y
Y
Wareham (Town)
MA
255223
Y
N
Wellfleet (Town)
MA
250014
N
Y
West Tisbury (Town)
MA
250074
Y
N
Westport (Town)
MA
255224
Y
Y
Winthrop (Town)
MA
250289
N
Y
Yarmouth (Town)
MA
250015
Y
Y
Calvert County (Uninc. Areas)
MD
240011
Y
Y
Crisfield (City)
MD
240062
N
Y
Dorchester Co. (Uninc. Areas)
MD
240026
Y
Y
Kent County (Uninc. Areas)
MD
240045
Y
Y
Queen Annes Co. (Uninc. Areas)
MD
240054
Y
N
Somerset County (Uninc. Areas)
MD
240061
Y
Y
St. Marys County (Unin. Areas)
MD
240064
Y
Y
Talbot County (Uninc. Areas)
MD
240066
Y
N
Wicomico County (Uninc. Areas)
MD
240078
Y
N
Worcester Co. (Uninc. Areas)
MD
240083
N
Y
Andrews Island
ME
230967
Y
N
Cape Elizabeth (Town)
ME
230043
Y
Y
Cranberry Isles (Town)
ME
230278
Y
N
Cumberland (Town)
ME
230162
Y
N
Cutler (Town)
ME
230310
Y
Y
Georgetown (Town)
ME
230209
N
Y
Harpswell (Town)
ME
230169
Y
N
Harrington (Town)
ME
230314
Y
N
Islesboro (Town)
ME
230256
Y
N
Jonesport (Town)
ME
230138
Y
N
Kennebunk (Town)
ME
230151
Y
N
Kittery (Town)
ME
230171
Y
N
Lubec (Town)
ME
230139
Y
N
Machiasport (Town)
ME
230141
Y
N
Milbridge (Town)
ME
230142
N
Y
Ogunquit (Town)
ME
230632
N
Y
Perry (Town)
ME
230319
Y
N
Phippsburg (Town)
ME
230120
Y
Y
Portland (City)
ME
230051
Y
N
Roque Bluffs (Town)
ME
230322
Y
Y
Scarborough (Town)
ME
230052
Y
N
Steuben (Town)
ME
230323
Y
Y
Wells (Town)
ME
230158
Y
Y
York (Town)
ME
230159
Y
N
Alpena (City)
MI
260010
Y
N
Alpena (Township)
MI
260011
Y
N
Arcadia (Township)
MI
260306
Y
N
Bay De Noc (Township)
MI
260685
Y
N
Blaine (Township)
MI
260027
Y
N
Brownstown (Charter Township)
MI
260218
Y
N
Cedarville (Township)
MI
260659
Y
N
Clark (Township)
MI
260759
Y
N
Detour (Township)
MI
260775
Y
N
Drummond Island (Township)
MI
260803
Y
N
Ensign (Township)
MI
260752
Y
N
Frenchtown (Township)
MI
260146
Y
N
Garfield (Township)
MI
260766
Y
N
Hendricks (Township)
MI
260806
Y
N
Houghton (Township)
MI
260799
Y
N
Hudson (Township)
MI
260807
Y
N
Huron (Township)
MI
260415
Y
N
LaSalle (Township)
MI
260148
Y
N
Luna Pier (City)
MI
260150
Y
N
McMillan (Township)
MI
260487
Y
N
Moran (Township)
MI
260443
Y
N
Newton (Township)
MI
260647
Y
N
Onota (Township)
MI
260345
Y
N
Port Austin (Township)
MI
260290
Y
N
Powell (Township)
MI
260452
Y
N
St. Ignace (Township)
MI
260444
Y
N
White River (Township)
MI
260299
Y
N
Whitefish (Township)
MI
260321
Y
N
Whitney (Township)
MI
260018
Y
N
Duluth (City)
MN
270421
Y
N
Gautier (City)
MS
280332
Y
N
Hancock County (Uninc. Areas)
MS
285254
Y
N
Harrison County (Uninc. Areas)
MS
285255
Y
Y
Jackson County (Uninc. Areas)
MS
285256
Y
Y
Ocean Springs (City)
MS
285259
Y
N
Atlantic Beach (Town)
NC
370044
N
Y
Bald Head Island (Village)
NC
370442
N
Y
Brunswick Co. (Uninc. Areas)
NC
370295
Y
Y
Carolina Beach (City)
NC
375347
Y
N
Carteret County (Uninc. Areas)
NC
370043
N
Y
Currituck Co. (Uninc. Areas)
NC
370078
Y
Y
Dare County (Uninc. Areas)
NC
375348
Y
Y
Hyde County (Uninc. Areas)
NC
370133
N
Y
Kill Devil Hills (City)
NC
375353
Y
N
Nags Head (Town)
NC
375356
Y
N
New Hanover Co. (Uninc. Areas)
NC
370168
Y
Y
North Topsail Beach (Town)
NC
370466
Y
N
Onslow County (Uninc. Areas)
NC
370340
Y
Y
Pender County (Uninc. Areas)
NC
370344
Y
N
Pine Knoll Shores (Town)
NC
370267
N
Y
Sunset Beach (Town)
NC
375359
Y
N
Wrightsville Beach (Town)
NC
375361
Y
N
Aberdeen (Township)
NJ
340312
N
Y
Bass River (Township)
NJ
340085
N
Y
Berkeley (Township)
NJ
340369
N
Y
Brick (Township)
NJ
345285
Y
Y
Brigantine (City)
NJ
345286
N
Y
Cape May City (City)
NJ
345288
N
Y
Dennis (Township)
NJ
340552
Y
Y
Galloway (Township)
NJ
340008
N
Y
Highlands (Borough)
NJ
345297
N
Y
Keyport (Borough)
NJ
340304
Y
N
Lacey (Township)
NJ
340376
N
Y
Little Egg Harbor (Township)
NJ
340380
N
Y
Long Beach (Township)
NJ
345301
N
Y
Lower (Township)
NJ
340153
N
Y
Maurice River (Township)
NJ
340172
Y
Y
Middle (Township)
NJ
340154
Y
Y
Middletown (Township)
NJ
340313
Y
N
Monmouth Beach (Borough)
NJ
340315
Y
N
North Wildwood (City)
NJ
345308
Y
N
Ocean City (City)
NJ
345310
N
Y
Old Bridge (Township)
NJ
340265
Y
N
Port Republic (City)
NJ
340016
N
Y
Rumson (Borough)
NJ
345316
Y
N
Sea Bright (Borough)
NJ
345317
Y
Y
Stafford (Township)
NJ
340393
Y
Y
Stone Harbor (Borough)
NJ
345323
Y
N
Union Beach (Borough)
NJ
340331
Y
N
Upper (Township)
NJ
340159
N
Y
West Cape May (Borough)
NJ
340160
N
Y
Asharoken (Village)
NY
365333
Y
N
Babylon (Town)
NY
360790
Y
Y
Bayville (Village)
NY
360988
N
Y
Belle Terre (Village)
NY
361532
Y
N
Brookhaven (Town)
NY
365334
Y
Y
Brownville (Town)
NY
361063
Y
N
Cape Vincent (Town)
NY
361062
Y
N
East Hampton (Town)
NY
360794
Y
Y
East Hampton (Village)
NY
360795
Y
N
Ellisburg (Town)
NY
360334
Y
N
Evans (Town)
NY
360240
Y
N
Freeport (Village)
NY
360464
Y
N
Glen Cove (City)
NY
360465
N
Y
Head of the Harbor (Village)
NY
361513
Y
N
Hempstead (Town)
NY
360467
Y
Y
Henderson (Town)
NY
360338
Y
N
Hounsfield (Town)
NY
360340
Y
N
Huntington (Town)
NY
360796
Y
Y
Huntington Bay (Village)
NY
361543
Y
N
Islip (Town)
NY
365337
Y
Y
Lattingtown (Village)
NY
360474
Y
Y
Lloyd Harbor (Village)
NY
360799
Y
Y
Lyme (Town)
NY
360343
Y
N
New Haven (Town)
NY
360655
Y
N
New York (City)
NY
360497
N
Y
Nissequogue (Village)
NY
361510
Y
N
North Haven (Village)
NY
360800
Y
Y
Old Field (Village)
NY
361545
Y
N
Oswego (City)
NY
360656
Y
N
Oswego (Town)
NY
360657
Y
N
Oyster Bay (Town)
NY
360483
Y
Y
Parma (Town)
NY
360425
Y
N
Poquott (Village)
NY
361518
Y
N
Port Jefferson (Village)
NY
360804
Y
Y
Richland (Town)
NY
360660
Y
N
Riverhead (Town)
NY
360805
Y
Y
Sands Point (Village)
NY
360492
Y
Y
Sandy Creek (Town)
NY
360661
Y
N
Scriba (Town)
NY
360663
Y
N
Shelter Island (Town)
NY
360809
Y
N
Smithtown (Town)
NY
360810
Y
N
Sodus (Town)
NY
360898
Y
N
Southampton (Town)
NY
365342
Y
Y
Southampton (Village)
NY
365343
Y
N
Southold (Town)
NY
360813
Y
Y
Sterling (Town)
NY
360126
Y
N
Wolcott (Town)
NY
360901
Y
N
Erie County (Uninc. Areas)
OH
390153
Y
N
Grand River (Village)
OH
390315
Y
N
Kelleys Island (Village)
OH
390738
Y
N
Lake County (Uninc. Areas)
OH
390771
Y
N
Mentor (City)
OH
390317
Y
N
Ottawa County (Uninc. Areas)
OH
390432
Y
N
Puerto Rico
PR
720000
Y
Y
Barrington (Town)
RI
445392
Y
N
Bristol (Town)
RI
445393
Y
N
Charlestown (Town)
RI
445395
Y
Y
Jamestown (Town)
RI
445399
Y
Y
Little Compton (Town)
RI
440035
Y
Y
Middletown (Town)
RI
445401
N
Y
Narragansett (Town)
RI
445402
Y
Y
New Shoreham (Town)
RI
440036
Y
Y
Newport (City)
RI
445403
Y
Y
North Kingstown (Town)
RI
445404
Y
N
Portsmouth (Town)
RI
445405
Y
Y
South Kingstown (Town)
RI
445407
Y
Y
Tiverton (Town)
RI
440012
Y
N
Warren (Town)
RI
445408
Y
N
Warwick (City)
RI
445409
Y
Y
Westerly (Town)
RI
445410
Y
Y
Beaufort County (Uninc. Areas)
SC
450025
Y
Y
Briarcliffe Acres (Town)
SC
450232
Y
N
Charleston (City)
SC
455412
Y
N
Charleston Co. (Uninc. Areas)
SC
455413
Y
Y
Colleton County (Uninc. Areas)
SC
450056
Y
Y
Edisto Beach (Town)
SC
455414
N
Y
Folly Beach (Town)
SC
455415
Y
Y
Georgetown Co. (Uninc. Areas)
SC
450085
Y
Y
Horry County (Uninc. Areas)
SC
450104
Y
N
Jasper County (Uninc. Areas)
SC
450112
N
Y
McClellanville (Town)
SC
450039
N
Y
North Myrtle Beach (Town)
SC
450110
Y
N
Pawleys Island (Town)
SC
450255
Y
N
Aransas County (Uninc. Areas)
TX
485452
Y
Y
Aransas Pass (City)
TX
485453
N
Y
Brazoria County (Uninc. Areas)
TX
485458
Y
Y
Calhoun County (Uninc. Areas)
TX
480097
Y
Y
Cameron County (Uninc. Areas)
TX
480101
Y
Y
Chambers County (Uninc. Areas)
TX
480119
Y
N
Corpus Christi (City)
TX
485464
Y
Y
Galveston (City)
TX
485469
N
Y
Galveston Co. (Uninc. Areas)
TX
485470
Y
Y
Jefferson Co. (Uninc. Areas)
TX
480385
Y
Y
Kenedy County (Uninc. Areas)
TX
481230
N
Y
Kleberg County (Uninc. Areas)
TX
480423
Y
Y
Matagorda Co. (Uninc. Areas)
TX
485489
Y
Y
Nueces County (Uninc. Areas)
TX
485494
N
Y
Port Aransas (City)
TX
485498
N
Y
Port Arthur (City)
TX
485499
Y
Y
Quintana (Village)
TX
481301
Y
N
South Padre Island (Town)
TX
480115
N
Y
Texas City (City)
TX
485514
Y
Y
Willacy County (Uninc. Areas)
TX
480664
Y
Y
Accomack County (Uninc. Areas)
VA
510001
Y
Y
Gloucester Co. (Uninc. Areas)
VA
510071
Y
N
Hampton (City)
VA
515527
Y
Y
Lancaster Co. (Uninc. Areas)
VA
510084
Y
N
Mathews Co. (Uninc. Areas)
VA
510096
Y
N
Middlesex Co. (Uninc. Areas)
VA
510098
Y
N
Northampton Co. (Uninc. Areas)
VA
510105
Y
Y
Northumberland Co. (Uninc. Areas)
VA
510107
Y
Y
Poquoson (City)
VA
510183
N
Y
Tangier (Town)
VA
510004
Y
N
Virginia Beach (City)
VA
515531
N
Y
Westmoreland Co. (Uninc. Areas)
VA
510250
Y
N
Virgin Islands
VI
780000
Y
Y
Bayfield County (Uninc. Areas)
WI
550539
Y
N
Brown County  (Uninc. Areas)
WI
550020
Y
N
Manitowoc Co. (Uninc. Areas)
WI
550236
Y
N
Marinette Co. (Uninc. Areas)
WI
550259
Y
N


COMMUNITY RATING SYSTEM




LII.	GENERAL DESCRIPTION

The Community Rating System (CRS) is a 
voluntary program for NFIP-participating 
communities.  The goals of the CRS are to 
reduce flood losses, to facilitate accurate 
insurance rating, and to promote the awareness 
of flood insurance.

The CRS has been developed to provide 
incentives for communities to go beyond the 
minimum floodplain management requirements to 
develop extra measures to provide protection 
from flooding.  The incentives are in the form of 
premium discounts.

LIII.	ELIGIBILITY

For a community to be eligible, the community 
must be in full compliance with the NFIP and be 
in the Regular phase of the program. 
Communities in the Emergency phase of the 
program are not eligible.

LIV.	CLASSIFICATIONS AND DISCOUNTS

All communities start out with a Class 10 rating 
(which provides no discount).  There are 10 CRS 
classes: Class 1 requires the most credit points 
and gives the greatest premium discount; Class 
10 identifies a community that does not apply for 
the CRS, or does not obtain a minimum number 
of credit points and receives no discount.  There 
are 18 activities recognized as measures for 
eliminating exposure to floods. Credit points are 
assigned to each activity. The activities are 
organized under four main categories: Public 
Information, Mapping and Regulation, Flood 
Damage Reduction, and Flood Preparedness.  
Once a community applies to the appropriate 
FEMA region for the CRS program and its 
implementation is verified, FEMA sets the CRS 
classification based upon the credit points.  This 
classification determines the premium discount 
for 
policyholders. Premium discounts ranging from 5 
percent to a maximum of 45 percent will be 
applied to every policy written in a community as 
recognition of the floodplain management 
activities instituted.

The table below shows premium discounts for 
CRS Classes 1-10 within different flood zones.

LV.	CRS ACTIVITIES THAT CAN DIRECTLY
	BENEFIT INSURANCE AGENTS

Certain activities that are credited under the CRS 
provide direct benefit to agents writing flood 
insurance.

All CRS communities must maintain completed 
FEMA elevation and floodproofing certificates for 
all new and substantially improved construction in 
the Special Flood Hazard Area after the date of 
application for CRS classification. These cer-
tificates must be available upon request. 
Therefore, in writing a policy, an agent should be 
able to get these certificates from any CRS 
community.  In addition, some CRS communities 
receive credit for having completed certificates for 
Post-FIRM buildings constructed prior to the CRS 
application date.  If they do receive this credit, 
then these certificates should also be available to 
agents writing flood insurance. The community 
may charge a fee for copying certificates for 
inquirers.

Many CRS communities receive credit for 
providing inquirers with information from the 
community's FIRM.  This includes a property's 
flood risk zone and the Base Flood Elevation. The 
service must be publicized once a year.  If a 
community is receiving this credit, then agents 
should be able to use the service.  A fee may be 
charged for the service.





	                CRS PREMIUM DISCOUNTS
	    Class		Discount			 Class 	Discount
	1
	2
	3
	4
	5
45%
40%
35%
30%
25%
	6
	7
	8
	9
	10
20%
15%
10%
 5%
 ---
SFHA (Zones A, AE, A1-A30, V, V1-V30, AO, and AH): Discount varies 
depending on class.

SFHA (Zones A99, AR, AR/A, AR/AE, AR/A1-A30, AR/AH, and AR/AO): 
10% discount for Classes 1-6; 5% discount for Classes 7-9.*

Non-SFHA (Zones B, C, X, D): 10% discount for Classes 1-6; 5% 
discount for Classes 7-9.

Preferred Risk Policies and Mortgage Portfolio Protection Program policies 
are not eligible for CRS Premium Discounts.
*For the purpose of determining CRS Premium Discounts, all 
AR and A99 zones are 
 treated as non-SFHAs.


COMMUNI
TY
NUMBER
COMMUNITY NAME
CRS
ENTRY
DATE
CURREN
T
EFFECTI
VE
DATE
CURREN
T
CLASS
% 
DISCOUNT
FOR
SFHA1
% 
DISCOUNT
FOR
NON-
SFHA2
STATU
S3

Alabama






010146
Athens, City of
10/1/91
10/1/98
10
0
0
R
010071
Atmore, City of
05/1/02
05/1/02
8
10
5
C
015000
Baldwin County
10/1/95
10/1/95
9
5
5
C
010116
Birmingham, City of
10/1/94
04/1/01
7
15
5
C
010418
Dauphin Island, Town of
04/1/01
04/1/01
8
10
5
C
010176
Decatur, City of
10/1/91
10/1/91
9
5
5
C
015005
Gulf Shores, Town of
10/1/93
10/1/93
9
5
5
C
015006
Homewood, City of
10/1/01
10/1/01
9
5
5
C
010123
Hoover, City of
10/1/91
10/1/91
9
5
5
C
010153
Huntsville, City of
10/1/91
05/1/03
7
15
5
C
015007
Mobile, City of
10/1/92
10/1/93
10
0
0
R
015011
Orange Beach, City of
10/1/91
10/1/93
8
10
5
C
010189
Pell City, City of
10/1/92
10/1/92
9
5
5
C
010002
Prattville, City of
10/1/91
10/1/91
9
5
5
C
010070
Wetumpka, City of
10/1/91
10/1/91
9
5
5
C

Alaska






020005
Anchorage, Municipality of
10/1/95
10/1/04
7
15
5
C
020012
Kenai Peninsula, Borough of
04/1/00
04/1/00
8
10
5
C
020094
Valdez, City of
10/1/92
10/1/92
9
5
5
C

Arizona






040013
Benson, Town of
10/1/91
10/1/92
10
0
0
R
040014
Bisbee, City of
10/1/91
10/1/92
10
0
0
R
040131
Camp Verde, Town of
10/1/91
10/1/96
8
10
5
C
040080
Casa Grande, City of
10/1/91
10/1/01
8
10
5
C
040040
Chandler, City of
10/1/91
05/1/04
7
15
5
C
040094
Chino Valley, Town of
10/1/91
10/1/93
8
10
5
C
040095
Clarkdale, Town of
10/1/91
10/1/96
8
10
5
C
040012
Cochise County
10/1/91
10/1/91
9
5
5
C
040019
Coconino County 
10/1/91
10/1/99
8
10
5
C
040020
Flagstaff, City of
10/1/91
10/1/99
8
10
5
C
040028
Gila County 
10/1/91
10/1/92
10
0
0
R
040044
Gilbert, Town of
10/1/91
10/1/92
8
10
5
C
040045
Glendale, City of
10/1/91
10/1/99
8
10
5
C
040067
Holbrook, City of
10/1/95
10/1/00
8
10
5
C
040037
Maricopa County
10/1/91
05/1/02
5
25
10
C
040048
Mesa, City of
10/1/91
04/1/98
10
0
0
R
040058
Mohave County
10/1/95
10/1/95
9
5
5
C
040066
Navajo County 
10/1/92
10/1/92
9
5
5
C
040051
Phoenix, City of
10/1/92
10/1/02
6
20
10
C
040073
Pima County 
10/1/91
04/1/01
6
20
10
C
040098
Prescott, City of
10/1/91
10/1/01
8
10
5
C
040090
Santa Cruz County
10/1/03
10/1/03
7
15
5
C
045012
Scottsdale, City of
10/1/91
10/1/95
7
15
5
C
040130
Sedona, City of
10/1/91
10/1/91
9
5
5
C


COMMUNI
TY
NUMBER
COMMUNITY NAME
CRS
ENTRY
DATE
CURREN
T
EFFECTI
VE
DATE
CURREN
T
CLASS
% 
DISCOUNT
FOR
SFHA1
% 
DISCOUNT
FOR
NON-
SFHA2
STATU
S3

Arizona (continued)






040069
Show Low, City of
10/1/91
10/1/91
9
5
5
C
040054
Tempe, City of
10/1/91
05/1/02
8
10
5
C
040076
Tucson, City of
10/1/91
10/1/02
7
15
5
C
040056
Wickenburg, Town of
10/1/92
10/1/92
9
5
5
C
040031
Winkelman, Town of
10/1/91
10/1/95
10
0
0
R
040093
Yavapai County 
10/1/91
10/1/92
8
10
5
C

Arkansas






050029
Arkadelphia, City of
10/1/91
10/1/91
9
5
5
C
050192
Benton, City of
10/1/93
10/1/93
9
5
5
C
050419
Benton County
05/1/05
05/1/05
8
10
5
C
050012
Bentonville, City of
10/1/92
10/1/02
8
10
5
C
050140
Blytheville, City of
10/1/95
10/1/95
9
5
5
C
050046
Bono, City of
10/1/92
05/1/02
8
10
5
C
050308
Bryant, City of
10/1/92
10/1/92
9
5
5
C
050433
Garland County 
10/1/93
10/1/93
9
5
5
C
050168
Helena, City of
10/1/93
10/1/99
10
0
0
R
050084
Hot Springs, City of
10/1/93
10/1/93
9
5
5
C
050180
Jacksonville, City of
10/1/94
10/1/04
8
10
5
C
050048
Jonesboro, City of
10/1/92
10/1/92
9
5
5
C
050181
Little Rock, City of
10/1/91
10/1/01
8
10
5
C
050088
Malvern, City of
10/1/91
10/1/96
10
0
0
R
050109
Pine Bluff, City of
10/1/94
10/1/95
10
0
0
R
050055
West Memphis, City of
10/1/92
10/1/02
8
10
5
C

California






060001
Alameda County
10/1/92
10/1/99
7
15
5
C
060213
Anaheim, City of
10/1/91
05/1/02
6
20
10
C
060714
Clearlake, City of
05/1/03
05/1/03
9
5
5
C
060025
Contra Costa County
10/1/91
04/1/01
6
20
10
C
065023
Corte Madera, Town of
10/1/03
10/1/03
8
10
5
C
060370
Fairfield, City of
10/1/92
05/1/02
8
10
5
C
060218
Fountain Valley, City of
10/1/96
04/1/98
8
10
5
C
065028
Fremont, City of
04/1/01
04/1/01
7
15
5
C
065029
Fresno County 
10/1/91
10/1/02
6
20
10
C
060048
Fresno, City of
10/1/92
10/1/02
6
20
10
C
065034
Huntington Beach, City of
10/1/95
10/1/00
7
15
5
C
060222
Irvine, City of
10/1/91
05/1/02
8
10
5
C
060075
Kern County
10/1/91
10/1/93
8
10
5
C
060090
Lake County 
10/1/95
10/1/00
7
15
5
C
060136
Long Beach, City of
10/1/93
10/1/03
7
15
5
C
060341
Los Altos, City of
10/1/91
10/1/96
8
10
5
C
065043
Los Angeles County
10/1/91
10/1/96
8
10
5
C
060137
Los Angeles, City of
10/1/91
10/1/02
8
10
5
C
060344
Milpitas, City of
10/1/91
10/1/01
5
25
10
C
060195
Monterey County 
10/1/91
10/1/02
6
20
10
C


COMMUNI
TY
NUMBER
COMMUNITY NAME
CRS
ENTRY
DATE
CURREN
T
EFFECTIV
E
DATE
CURRE
NT
CLASS
% 
DISCOUNT
FOR
SFHA1
% 
DISCOUNT
FOR
NON-
SFHA2
STATU
S3

California (continued)






065074
Moreno Valley, City of
10/1/91
10/1/96
8
10
5
C
060346
Morgan Hill, City of
05/1/03
05/1/03
7
15
5
C
060347
Mountain View, City of
05/1/02
05/1/02
8
10
5
C
060751
Murrieta, City of
10/1/97
10/1/97
9
5
5
C
060207
Napa, City of
04/1/01
04/1/01
7
15
5
C
060227
Newport Beach, City of
10/1/93
05/1/03
8
10
5
C
060178
Novato, City of
10/1/95
10/1/00
7
15
5
C
060294
Oceanside, City of
10/1/91
10/1/96
8
10
5
C
060212
Orange County 
10/1/91
05/1/02
7
15
5
C
060228
Orange, City of
10/1/92
10/1/92
9
5
5
C
060257
Palm Springs, City of
10/1/92
10/1/00
8
10
5
C
060348
Palo Alto, City of
10/1/91
10/1/01
7
15
5
C
060379
Petaluma, City of
10/1/91
10/1/96
6
20
10
C
060239
Placer County
10/1/91
10/1/01
6
20
10
C
060034
Pleasant Hill, City of 
05/1/03
05/1/03
8
10
5
C
060012
Pleasanton, City of
10/1/92
10/1/97
8
10
5
C
060360
Redding, City of
10/1/96
10/1/01
6
20
10
C
060035
Richmond, City of
10/1/95
10/1/95
9
5
5
C
060243
Roseville, City of
10/1/92
10/1/02
5
25
10
C
060262
Sacramento County 
10/1/92
10/1/02
5
25
10
C
060266
Sacramento, City of
10/1/91
10/1/96
6
20
10
C
060202
Salinas, City of
10/1/91
10/1/02
7
15
5
C
060284
San Diego County 
10/1/94
10/1/95
10
0
0
R
060299
San Joaquin County
10/1/93
05/1/03
6
20
10
C
060349
San Jose, City of
10/1/91
10/1/01
7
15
5
C
060231
San Juan Capistrano, City of
10/1/91
10/1/02
8
10
5
C
060310
San Luis Obispo, City of
10/1/91
10/1/96
8
10
5
C
060710
San Ramon, City of
10/1/91
04/1/01
7
15
5
C
060331
Santa Barbara County 
10/1/91
10/1/01
7
15
5
C
060350
Santa Clara, City of
05/1/02
05/1/02
8
10
5
C
060337
Santa Clara County
05/1/04
05/1/04
8
10
5
C
060729
Santa Clarita, City of
10/1/01
10/1/01
9
5
5
C
060355
Santa Cruz, City of
10/1/92
05/1/02
7
15
5
C
060421
Simi Valley, City of
10/1/93
10/1/93
9
5
5
C
060631
Solano County 
10/1/91
10/1/93
8
10
5
C
060375
Sonoma County 
10/1/91
10/1/92
10
0
0
R
060302
Stockton, City of
10/1/96
10/1/97
8
10
5
C
060352
Sunnyvale, City of
10/1/98
05/1/03
7
15
5
C
060400
Tehema, City of
10/1/03
10/1/03
7
15
5
C
060373
Vacaville, City of
10/1/95
10/1/00
8
10
5
C
065070
Walnut Creek, City of
10/1/91
04/1/01
7
15
5
C
060357
Watsonville, City of
10/1/92
10/1/02
7
15
5
C
060238
Yorba Linda, City of
10/1/93
10/1/04
10
0
0
R
060427
Yuba County
10/1/03
10/1/03
8
10
5
C

Colorado






080001
Adams County 
10/1/93
10/1/03
10
0
0
R


COMMUNI
TY
NUMBER
COMMUNITY NAME
CRS
ENTRY
DATE
CURREN
T
EFFECTIV
E
DATE
CURRE
NT
CLASS
% 
DISCOUNT
FOR
SFHA1
% 
DISCOUNT
FOR
NON-
SFHA2
STATU
S3

Colorado (continued)






080009
Alamosa County
10/1/96
10/1/96
9
5
5
C
080010
Alamosa, City of
10/1/91
10/1/91
9
5
5
C
080011
Arapahoe County 
10/1/91
10/1/92
8
10
5
C
080273
Archuleta County
10/1/92
10/1/98
10
0
0
R
085072
Arvada, City of
10/1/91
10/1/96
7
15
5
C
080002
Aurora, City of
10/1/92
10/1/97
8
10
5
C
080023
Boulder County 
10/1/91
10/1/96
8
10
5
C
080024
Boulder, City of
10/1/92
10/1/97
8
10
5
C
080130
Brush, City of
10/1/94
10/1/94
9
5
5
C
080068
Canon City, City of
10/1/92
10/1/92
9
5
5
C
080013
Cherry Hills Village, City of
10/1/96
10/1/01
8
10
5
C
080060
Colorado Springs, City of
10/1/92
10/1/92
9
5
5
C
080043
Delta, City of
10/1/96
10/1/00
7
15
5
C
080046
Denver, City and County of
10/1/96
10/1/96
9
5
5
C
080049
Douglas County
10/1/96
10/1/96
9
5
5
C
080099
Durango, City of
10/1/92
10/1/92
9
5
5
C
080059
El Paso County
10/1/92
10/1/92
9
5
5
C
085074
Englewood, City of
10/1/95
10/1/96
8
10
5
C
080102
Fort Collins, City of
10/1/91
10/1/01
4
30
10
C
080061
Fountain, City of
10/1/92
10/1/92
9
5
5
C
080067
Fremont County 
10/1/93
10/1/93
9
5
5
C
080245
Frisco, Town of
10/1/93
10/1/98
8
10
5
C
080090
Golden, City of
10/1/96
10/1/96
9
5
5
C
080062
Green Mountain Falls, Town of
10/1/03
10/1/03
9
5
5
C
080078
Gunnison County 
10/1/94
10/1/94
9
5
5
C
080080
Gunnison, City of
10/1/95
10/1/95
9
5
5
C
085075
Lakewood, City of
10/1/91
10/1/96
7
15
5
C
080101
Larimer County 
10/1/92
10/1/97
10
0
0
R
080017
Littleton, City of
10/1/92
10/1/97
7
15
5
C
080027
Longmont, City of
10/1/92
10/1/97
8
10
5
C
085076
Louisville, City of
10/1/91
10/1/91
9
5
5
C
080063
Manitou Springs, City of
10/1/92
10/1/92
9
5
5
C
080064
Monument, Town of
10/1/03
10/1/03
9
5
5
C
080092
Morrison, Town of
10/1/96
10/1/96
9
5
5
C
080065
Palmer Lake, Town of
10/1/03
10/1/03
9
5
5
C
080310
Parker, Town of
10/1/92
10/1/97
7
15
5
C
080287
Pitkin County
10/1/92
10/1/97
8
10
5
C
080153
Rio Grande County 
10/1/92
10/1/97
10
0
0
R
080018
Sheridan, City of
10/1/93
10/1/03
10
0
0
R
080201
Silverthorne, Town of
10/1/96
10/1/96
9
5
5
C
080159
Steamboat Springs, Town of
10/1/93
10/1/93
9
5
5
C
080168
Telluride, Town of
10/1/94
10/1/00
7
15
5
C
080007
Thornton, City of
10/1/94
10/1/99
8
10
5
C
080054
Vail, Town of
10/1/91
10/1/01
7
15
5
C
080008
Westminster, City of
10/1/91
10/1/92
8
10
5
C
085079
Wheat Ridge, City of
10/1/91
10/1/96
7
15
5
C










COMMUNI
TY
NUMBER
COMMUNITY NAME
CRS
ENTRY
DATE
CURREN
T
EFFECTIV
E
DATE
CURRE
NT
CLASS
% 
DISCOUNT
FOR
SFHA1
% 
DISCOUNT
FOR
NON-
SFHA2
STATU
S3

Connecticut






090074
Cheshire, Town of
10/1/93
10/1/03
10
0
0
R
090076
East Haven, Town of
10/1/03
10/1/04
8
10
5
C
090096
East Lyme, Town of
10/1/91
10/1/91
9
5
5
C
090078
Hamden, Town of
10/1/93
10/1/95
8
10
5
C
090011
Newtown, Town of
10/1/91
10/1/91
9
5
5
C
090012
Norwalk, City of
10/1/93
10/1/98
10
0
0
R
090015
Stamford, City of
10/1/02
10/1/02
7
15
5
C
090193
Stonington, Borough of
10/1/04
10/1/04
9
5
5
C
090106
Stonington, Town of
05/1/04
05/1/04
9
5
5
C
095082
West Hartford,Town of
10/1/91
10/1/91
9
5
5
C
090070
Westbrook, Town of
05/1/05
05/1/05
9
5
5
C
090019
Westport, Town of
10/1/95
10/1/00
8
10
5
C

Delaware






100056
Dewey Beach, Town of
10/1/94
10/1/99
8
10
5
C
105084
Fenwick Island, Town of
10/1/94
10/1/04
8
10
5
C
100041
Lewes, City of
10/1/92
10/1/92
9
5
5
C
100026
New Castle, City of
10/1/94
10/1/99
8
10
5
C
100025
Newark,City of
10/1/92
10/1/01
7
15
5
C
105086
Rehoboth Beach, City of
10/1/94
10/1/95
8
10
5
C
100048
Seaford, City of
10/1/96
10/1/96
9
5
5
C

Florida






120001
Alachua County
10/1/95
10/1/00
8
10
5
C
120290
Altamonte Springs, City of
10/1/94
10/1/96
8
10
5
C
125087
Anna Maria, City of
10/1/91
05/1/97
8
10
5
C
120180
Apopka, City of
10/1/93
05/1/03
8
10
5
C
120193
Atlantis, City of
10/1/92
10/1/94
8
10
5
C
120676
Aventura, City of
10/1/00
05/1/05
7
15
5
C
120419
Baker County
10/1/01
10/1/01
8
10
5
C
120636
Bal Harbour, Village of
10/1/96
10/1/97
8
10
5
C
120004
Bay County
10/1/93
10/1/98
8
10
5
C
120637
Bay Harbor Islands, Town of
10/1/94
10/1/99
7
15
5
C
125089
Belleair Beach, City of
10/1/92
10/1/01
7
15
5
C
120195
Boca Raton, City of
10/1/92
10/1/94
8
10
5
C
120196
Boynton Beach, City of
10/1/91
10/1/93
8
10
5
C
125091
Bradenton Beach, City of
10/1/91
10/1/96
8
10
5
C
120155
Bradenton, City of
10/1/91
10/1/00
7
15
5
C
125092
Brevard County 
10/1/91
10/1/93
8
10
5
C
125093
Broward County
10/1/92
10/1/96
8
10
5
C
120005
Callaway, City of
10/1/93
10/1/93
9
5
5
C
125094
Cape Canaveral, City of
10/1/93
10/1/99
8
10
5
C
125095
Cape Coral, City of
10/1/91
05/1/05
7
15
5
C
120090
Carrabelle, City of
10/1/93
10/1/93
9
5
5
C
120061
Charlotte County 
10/1/92
05/1/04
5
25
10
C
120063
Citrus County
10/1/01
10/1/01
7
15
5
C


COMMUNI
TY 
NUMBER
COMMUNITY NAME
C
R
S
E
N
T
R
Y
D
A
T
E
CURRENT
EFFECTIV
E
DATE
CURRE
NT
CLASS
% 
DISCOUNT
FOR
SFHA1
% 
DISCOUNT
FOR
NON-
SFHA2
STATU
S3

Florida (continued)






120064
Clay County 
10/1/96
10/1/00
8
10
5
C
125096
Clearwater, City of
10/1/91
10/1/00
7
15
5
C
120198
Cloud Lake, Town of
10/1/94
10/1/96
8
10
5
C
125097
Cocoa Beach, City of
10/1/94
10/1/04
10
0
0
R
120020
Cocoa, City of
10/1/94
10/1/04
10
0
0
R
120031
Coconut Creek, City of
10/1/92
10/1/01
7
15
5
C
120067
Collier County 
10/1/92
10/1/95
7
15
5
C
120070
Columbia County
10/1/96
10/1/96
9
5
5
C
120032
Cooper City, City of
10/1/92
10/1/96
8
10
5
C
120639
Coral Gables, City of
10/1/93
10/1/98
8
10
5
C
120033
Coral Springs, City of
10/1/92
10/1/94
8
10
5
C
120034
Dania, City of
10/1/93
10/1/93
9
5
5
C
120035
Davie, City of
10/1/94
10/1/04
8
10
5
C
125100
Daytona Beach Shores, City of
10/1/92
10/1/94
8
10
5
C
125099
Daytona Beach, City of
10/1/94
05/1/03
7
15
5
C
125101
Deerfield Beach, City of
10/1/92
10/1/93
8
10
5
C
125102
Delray Beach, City of
10/1/94
10/1/94
9
5
5
C
125158
Destin, City of
10/1/94
05/1/04
7
15
5
C
125103
Dunedin, City of
10/1/92
04/1/98
8
10
5
C
120308
Edgewater, City of
10/1/92
10/1/97
8
10
5
C
120080
Escambia County
10/1/91
05/1/02
8
10
5
C
120146
Fanning Springs, Town of
10/1/93
10/1/93
9
5
5
C
120120
Fellsmere, City of
10/1/99
10/1/04
9
5
5
C
120172
Fernandina Beach, City of
10/1/92
10/1/02
7
15
5
C
120087
Flagler Beach, City of
10/1/95
10/1/00
7
15
5
C
125105
Fort Lauderdale, City of
10/1/92
10/1/01
8
10
5
C
125106
Fort Myers, City of
10/1/93
10/1/98
8
10
5
C
120673
Fort Myers Beach, Town of
10/1/99
10/1/99
7
15
5
C
120286
Fort Pierce, City of
10/1/92
10/1/01
8
10
5
C
120174
Fort Walton Beach, City of
10/1/92
10/1/02
7
15
5
C
120088
Franklin County 
10/1/93
10/1/02
8
10
5
C
125107
Gainesville, City of
10/1/92
10/1/97
8
10
5
C
120200
Glen Ridge, Town of
10/1/94
10/1/96
8
10
5
C
120642
Golden Beach, Town of
10/1/93
10/1/02
10
0
0
R
120275
Gulf Breeze, City of
10/1/93
10/1/93
9
5
5
C
120098
Gulf County 
10/1/93
10/1/93
9
5
5
C
125109
Gulf Stream, Town of
10/1/99
10/1/99
8
10
5
C
125108
Gulfport, City of
10/1/93
10/1/03
7
15
5
C
125110
Hallandale Beach, City of
10/1/94
05/1/05
7
15
5
C
120103
Hardee County
10/1/96
05/1/04
10
0
0
R
120107
Hendry County
10/1/00
10/1/00
8
10
5
C
120110
Hernando County 
10/1/92
10/1/94
8
10
5
C
120643
Hialeah, City of
10/1/93
10/1/97
8
10
5
C
125111
Highland Beach, Town of
10/1/93
10/1/93
9
5
5
C
120111
Highlands County 
10/1/94
10/1/04
8
10
5
C
120040
Hillsboro Beach, Town of
10/1/94
10/1/94
9
5
5
C
120112
Hillsborough County
10/1/92
10/1/02
6
20
10
C


COMMUNI
TY 
NUMBER
COMMUNITY NAME
C
R
S
E
N
T
R
Y
D
A
T
E
CURRENT
EFFECTIV
E
DATE
CURRE
NT
CLASS
% 
DISCOUNT
FOR
SFHA1
% 
DISCOUNT
FOR
NON-
SFHA2
STATU
S3

Florida (continued)






125112
Holly Hill, City of
10/1/94
10/1/94
9
5
5
C
125113
Hollywood, City of
10/1/92
10/1/93
8
10
5
C
125114
Holmes Beach, City of
10/1/91
05/1/97
8
10
5
C
120207
Hypoluxo, Town of
10/1/94
10/1/96
8
10
5
C
120119
Indian River County 
10/1/92
01/1/98
7
15
5
C
120121
Indian River Shores, Town of
10/1/94
10/1/95
8
10
5
C
125117
Indian Rocks Beach, City of
10/1/92
10/1/93
8
10
5
C
125118
Indian Shores, Town of
10/1/93
05/1/97
7
15
5
C
120125
Jackson County
10/1/02
10/1/02
9
5
5
C
120078
Jacksonville Beach, City of
10/1/92
10/1/02
8
10
5
C
120077
Jacksonville, City of
10/1/91
10/1/02
7
15
5
C
120331
Jefferson County 
10/1/96
10/1/96
9
5
5
C
120208
Juno Beach, Town of
10/1/93
10/1/00
5
25
10
C
120162
Jupiter Island, Town of
10/1/95
10/1/00
8
10
5
C
125119
Jupiter, Town of
10/1/94
10/1/00
7
15
5
C
120245
Kenneth City, Town of
10/1/92
10/1/92
9
5
5
C
120648
Key Biscayne, City of
04/1/98
04/1/00
6
20
10
C
125121
Key Colony Beach, City of
10/1/92
10/1/95
8
10
5
C
120168
Key West, City of
10/1/92
10/1/99
10
0
0
R
120190
Kissimmee, City of
10/1/96
10/1/01
8
10
5
C
120211
Lake Clarke Shores, Town of
10/1/94
10/1/94
9
5
5
C
120421
Lake County 
10/1/94
10/1/97
8
10
5
C
120212
Lake Park, Town of
10/1/92
10/1/92
9
5
5
C
120213
Lake Worth, City of
10/1/96
10/1/96
9
5
5
C
120267
Lakeland, City of
10/1/04
10/1/04
8
10
5
C
120214
Lantana, Town of
10/1/94
10/1/94
9
5
5
C
125122
Largo, City of
10/1/92
10/1/97
7
15
5
C
125123
Lauderdale by the Sea, City of 
04/1/00
05/1/05
8
10
5
C
120044
Lauderhill, City of
10/1/92
10/1/92
9
5
5
C
120169
Layton, City of
10/1/01
10/1/01
8
10
5
C
125124
Lee County
10/1/91
10/1/01
6
20
10
C
120145
Levy County 
10/1/94
10/1/99
8
10
5
C
125125
Lighthouse Point, City of
10/1/93
10/1/94
8
10
5
C
125126
Longboat Key, Town of
10/1/91
10/1/96
7
15
5
C
120292
Longwood, City of
10/1/96
10/1/96
9
5
5
C
120009
Lynn Haven, City of
10/1/92
10/1/92
9
5
5
C
125127
Madeira Beach, City of
10/1/92
10/1/93
8
10
5
C
120149
Madison County
10/1/94
10/1/00
8
10
5
C
120215
Manalapan, Town of
10/1/92
10/1/92
9
5
5
C
120153
Manatee County 
10/1/91
10/1/96
7
15
5
C
120216
Mangonia Park, Town of
10/1/94
10/1/94
9
5
5
C
120426
Marco Island, City of
10/1/00
10/1/00
7
15
5
C
120047
Margate, City of
10/1/92
10/1/95
8
10
5
C
120160
Marion County 
10/1/94
10/1/94
9
5
5
C
120161
Martin County 
10/1/92
10/1/00
7
15
5
C
120025
Melbourne, City of
10/1/93
10/1/03
8
10
5
C
120650
Miami, City of
10/1/94
10/1/99
8
10
5
C


COMMUNI
TY 
NUMBER
COMMUNITY NAME
C
R
S
E
N
T
R
Y
D
A
T
E
CURRENT
EFFECTIV
E
DATE
CURRE
NT
CLASS
% 
DISCOUNT
FOR
SFHA1
% 
DISCOUNT
FOR
NON-
SFHA2
STATU
S3

Florida (continued)






120651
Miami Beach, City of
10/1/96
10/1/01
7
15
5
C
120652
Miami Shores Village, Village 
of
10/1/00
10/1/00
8
10
5
C
120635
Miami-Dade County
10/1/94
10/1/03
5
25
10
C
120048
Miramar, City of
10/1/93
10/1/94
8
10
5
C
125129
Monroe County
10/1/91
05/1/97
10
0
0
R
125130
Naples, City of
10/1/92
10/1/02
6
20
10
C
120079
Neptune Beach, City of
10/1/94
10/1/04
8
10
5
C
120232
New Port Richey, City of
10/1/93
10/1/95
8
10
5
C
125132
New Smyrna Beach, City of
10/1/91
10/1/00
7
15
5
C
120338
Niceville, City of
10/1/93
04/1/98
8
10
5
C
120049
North Lauderdale, City of
10/1/93
10/1/93
9
5
5
C
120656
North Miami Beach, City of
10/1/93
10/1/98
8
10
5
C
120655
North Miami, City of
10/1/94
10/1/01
5
25
10
C
120217
North Palm Beach, Village of
10/1/94
10/1/99
8
10
5
C
120279
North Port, City of
10/1/92
10/1/93
8
10
5
C
125133
North Redington Beach, 
Town of
10/1/92
10/1/98
8
10
5
C
120050
Oakland Park, City of
10/1/94
10/1/94
9
5
5
C
120330
Ocala, City of
10/1/91
10/1/01
8
10
5
C
125134
Ocean Ridge, Town of
10/1/92
01/1/98
8
10
5
C
120173
Okaloosa County 
10/1/95
10/1/00
7
15
5
C
120177
Okeechobee County 
10/1/96
10/1/00
8
10
5
C
120250
Oldsmar, City of
10/1/92
10/1/01
7
15
5
C
120179
Orange County 
10/1/91
05/1/02
6
20
10
C
120186
Orlando, City of
10/1/93
10/1/94
8
10
5
C
125136
Ormond Beach, City of
10/1/92
10/1/94
8
10
5
C
120189
Osceola County 
10/1/94
10/1/03
7
15
5
C
120404
Palm Bay, City of
10/1/93
10/1/98
8
10
5
C
120192
Palm Beach County 
10/1/91
05/1/02
7
15
5
C
120221
Palm Beach Gardens, City of
10/1/03
10/1/03
9
5
5
C
125137
Palm Beach Shores, Town of
10/1/94
10/1/94
9
5
5
C
120220
Palm Beach, Town of
10/1/92
10/1/02
7
15
5
C
120684
Palm Coast, City of
05/1/04
05/1/04
7
15
5
C
120223
Palm Springs, Village of
10/1/92
10/1/97
8
10
5
C
120159
Palmetto, City of
10/1/91
10/1/93
8
10
5
C
120012
Panama City, City of
10/1/93
10/1/02
7
15
5
C
120011
Parker, City of
10/1/94
10/1/04
8
10
5
C
120230
Pasco County 
10/1/92
10/1/02
8
10
5
C
120053
Pembroke Pines, City of
10/1/94
10/1/98
7
15
5
C
120082
Pensacola, City of
10/1/02
10/1/02
8
10
5
C
125138
Pensacola Beach-Santa Rosa 
Island Authority
10/1/91
05/1/03
8
10
5
C
125139
Pinellas County 
10/1/93
10/1/94
8
10
5
C
120251
Pinellas Park, City of
10/1/91
10/1/96
7
15
5
C
120054
Plantation, City of
10/1/92
10/1/02
7
15
5
C
120261
Polk County
10/1/92
10/1/03
7
15
5
C
120055
Pompano Beach, City of
10/1/93
10/1/94
8
10
5
C


COMMUNI
TY 
NUMBER
COMMUNITY NAME
C
R
S
E
N
T
R
Y
D
A
T
E
CURRENT
EFFECTIV
E
DATE
CURRE
NT
CLASS
% 
DISCOUNT
FOR
SFHA1
% 
DISCOUNT
FOR
NON-
SFHA2
STATU
S3

Florida (continued)






120312
Ponce Inlet, Town of
05/1/04
05/1/04
7
15
5
C
120313
Port Orange, City of
10/1/92
05/1/03
7
15
5
C
120234
Port Richey, City of
10/1/92
10/1/94
8
10
5
C
120099
Port St. Joe, City of
10/1/94
10/1/94
9
5
5
C
120287
Port St. Lucie, City of
10/1/91
10/1/96
8
10
5
C
120062
Punta Gorda, City of
10/1/92
10/1/02
6
20
10
C
125140
Redington Beach, Town of
10/1/93
10/1/96
8
10
5
C
125141
Redington Shores, Town of
10/1/92
10/1/93
8
10
5
C
120027
Rockledge, City of
10/1/91
10/1/96
8
10
5
C
125143
Safety Harbor, City of
10/1/92
10/1/96
8
10
5
C
120402
Sanibel, City of
10/1/91
10/1/96
5
25
10
C
120274
Santa Rosa County 
10/1/93
04/1/00
7
15
5
C
125144
Sarasota County 
10/1/92
10/1/02
6
20
10
C
125150
Sarasota, City of
10/1/91
10/1/96
7
15
5
C
120028
Satellite Beach, City of
10/1/92
10/1/92
9
5
5
C
120123
Sebastian, City of
10/1/92
10/1/01
9
5
5
C
120289
Seminole County
10/1/91
10/1/00
7
15
5
C
120164
Sewall's Point, Town of
10/1/96
10/1/97
8
10
5
C
120579
Shalimar, Town of
10/1/95
10/1/00
8
10
5
C
120314
South Daytona, City of
10/1/92
10/1/02
7
15
5
C
120658
South Miami, City of
10/1/93
10/1/95
8
10
5
C
120227
South Palm Beach, Town of
10/1/93
10/1/93
9
5
5
C
125151
South Pasadena, City of
10/1/92
10/1/98
8
10
5
C
125146
St. Augustine Beach, City of
10/1/93
10/1/96
8
10
5
C
125145
St. Augustine, City of
10/1/92
10/1/97
8
10
5
C
120191
St. Cloud, City of
10/1/93
10/1/94
8
10
5
C
125147
St. Johns County 
10/1/95
10/1/00
7
15
5
C
120285
St. Lucie County 
10/1/94
10/1/96
8
10
5
C
120316
St. Marks, Town of
10/1/93
10/1/93
9
5
5
C
125149
St. Pete Beach, City of
10/1/91
10/1/92
8
10
5
C
125148
St. Petersburg, City of
10/1/92
05/1/02
7
15
5
C
120296
Sumter County 
10/1/95
05/1/97
8
10
5
C
120328
Sunrise, City of
10/1/92
10/1/02
7
15
5
C
120659
Surfside, Town of
10/1/93
10/1/94
8
10
5
C
120300
Suwannee County
10/1/96
10/1/00
8
10
5
C
120144
Tallahassee, City of
10/1/94
10/1/99
7
15
5
C
120058
Tamarac, City of
10/1/92
10/1/01
8
10
5
C
120114
Tampa, City of
10/1/91
10/1/00
7
15
5
C
120259
Tarpon Springs, City of
10/1/92
10/1/93
8
10
5
C
120302
Taylor County
10/1/96
10/1/96
9
5
5
C
120115
Temple Terrace, City of
10/1/93
10/1/03
8
10
5
C
120228
Tequesta, Village of
10/1/92
10/1/00
7
15
5
C
125152
Titusville, City of
10/1/92
10/1/97
8
10
5
C
125153
Treasure Island, City of
10/1/92
10/1/99
7
15
5
C
125154
Venice, City of
10/1/91
05/1/03
7
15
5
C
120124
Vero Beach, City of
10/1/93
10/1/98
8
10
5
C
125155
Volusia County
10/1/93
10/1/03
7
15
5
C


COMMUNI
TY 
NUMBER
COMMUNITY NAME
C
R
S
E
N
T
R
Y
D
A
T
E
CURRENT
EFFECTIV
E
DATE
CURRE
NT
CLASS
% 
DISCOUNT
FOR
SFHA1
% 
DISCOUNT
FOR
NON-
SFHA2
STATU
S3

Florida (continued)






120315
Wakulla County 
10/1/93
10/1/93
9
5
5
C
125157
Wellington, Village of
10/1/03
10/1/03
9
5
5
C
120229
West Palm Beach, City of
10/1/92
04/1/00
7
15
5
C
120295
Winter Springs, City of
10/1/93
10/1/98
8
10
5
C
120147
Yankeetown, Town of
10/1/94
10/1/97
7
15
5
C

Georgia






130075
Albany, City of
10/1/94
10/1/94
9
5
5
C
130093
Brunswick, City of
10/1/93
10/1/93
9
5
5
C
130209
Cartersville, City of
05/1/05
05/1/05
9
5
5
C
130030
Chatham County
10/1/91
05/1/04
7
15
5
C
130424
Cherokee County
05/1/05
05/1/05
8
10
5
C
130052
Cobb County
10/1/91
10/1/97
8
10
5
C
130086
College Park, City of
10/1/92
10/1/02
6
20
10
C
130059
Columbia County
04/1/99
05/1/04
8
10
5
C
135158
Columbus, City of
10/1/91
10/1/93
8
10
5
C
130144
Covington, City of
10/1/93
10/1/93
9
5
5
C
130504
Crisp County
05/1/05
05/1/05
9
5
5
C
135159
Decatur, City of
10/1/93
10/1/03
8
10
5
C
130065
Dekalb County 
10/1/92
10/1/94
8
10
5
C
130074
Dougherty County 
10/1/93
10/1/03
7
15
5
C
130098
Duluth, City of
10/1/97
10/1/97
9
5
5
C
130306
Douglas County 
10/1/95
10/1/00
8
10
5
C
130432
Fayette County
05/1/04
05/1/04
7
15
5
C
135160
Fulton County
04/1/00
04/1/00
9
5
5
C
130092
Glynn County 
10/1/92
10/1/96
8
10
5
C
130322
Gwinnett County 
10/1/94
05/1/04
8
10
5
C
130201
Jekyll Island, State Park Auth
10/1/93
10/1/04
7
15
5
C
130147
Paulding County 
10/1/91
10/1/96
10
0
0
R
130078
Peachtree City, City of
10/1/93
10/1/03
7
15
5
C
130261
Pooler, Town of
10/1/93
10/1/95
8
10
5
C
130088
Roswell, City of
10/1/91
10/1/96
7
15
5
C
135163
Savannah, City of
10/1/92
10/1/98
8
10
5
C
135164
Tybee Island, City of
10/1/93
10/1/04
8
10
5
C
130025
Waynesboro, City of
10/1/91
10/1/97
10
0
0
R
130196
Worth County
05/1/03
05/1/03
9
5
5
C

Hawaii






150003
Maui County 
10/1/95
10/1/00
8
10
5
C

Idaho






160001
Ada County 
10/1/94
10/1/99
7
15
5
C
160009
Bannock County 
10/1/94
10/1/99
8
10
5
C
165167
Blaine County 
10/1/94
10/1/99
8
10
5
C
160002
Boise, City of
10/1/91
04/1/01
6
20
10
C
160003
Eagle, City of
04/1/00
04/1/00
6
20
10
C


COMMUNI
TY
NUMBER
COMMUNITY NAME
CRS
ENTRY
DATE
CURREN
T
EFFECTIV
E
DATE
CURRE
NT
CLASS
% 
DISCOUNT
FOR
SFHA1
% 
DISCOUNT
FOR
NON-
SFHA2
STATU
S3

Idaho (continued)






160212
Elmore County 
10/1/94
04/1/01
8
10
5
C
160004
Garden City, City of
10/1/98
05/1/03
8
10
5
C
160022
Hailey, City of
10/1/92
10/1/97
8
10
5
C
160131
Kellogg, City of
10/1/92
10/1/97
8
10
5
C
160023
Ketchum, City of
10/1/92
10/1/02
8
10
5
C
160076
Kootenai County 
10/1/92
10/1/00
6
20
10
C
160090
Moscow, City of
10/1/94
10/1/99
8
10
5
C
160058
Mountain Home, City of
10/1/94
10/1/99
8
10
5
C
160101
Nez Perce County
10/1/01
10/1/01
9
5
5
C
160012
Pocatello, City of
10/1/94
10/1/99
8
10
5
C
160114
Shoshone County 
10/1/94
10/1/94
9
5
5
C
160024
Sun Valley, City of
10/1/94
10/1/99
8
10
5
C
160120
Twin Falls, City of
10/1/94
10/1/94
9
5
5
C
160220
Valley County
10/1/94
10/1/99
7
15
5
C

Illinois






170001
Adams County
10/1/96
10/1/01
8
10
5
C
170198
Addison, Village of
10/1/91
10/1/97
7
15
5
C
170059
Bartlett, Village of
10/1/91
05/1/04
7
15
5
C
170072
Calumet City, City of
10/1/00
05/1/03
6
20
10
C
170298
Carbondale, City of
10/1/02
10/1/02
9
5
5
C
170078
Country Club Hills, City of
10/1/93
10/1/94
8
10
5
C
170361
Deerfield, Village of
10/1/95
10/1/00
8
10
5
C
170182
DeKalb, City of
05/1/05
05/1/05
8
10
5
C
170081
Des Plaines, City of
10/1/93
10/1/03
7
15
5
C
170204
Downers Grove, Village of
10/1/91
10/1/02
7
15
5
C
170091
Flossmoor, Village of
10/1/93
04/1/00
8
10
5
C
170206
Glendale Heights, Village of
10/1/94
05/1/04
7
15
5
C
170107
Hoffman Estates, Village of
10/1/92
10/1/02
7
15
5
C
170400
LaSalle County
05/1/05
05/1/05
9
5
5
C
170116
Lansing, Village of
10/1/93
10/1/01
7
15
5
C
170378
Lincolnshire, Village of
10/1/93
10/1/03
5
25
10
C
170211
Lisle, Village of
10/1/91
10/1/01
7
15
5
C
170129
Mount Prospect, Village of
10/1/91
10/1/02
7
15
5
C
170213
Naperville, City of
10/1/91
10/1/97
10
0
0
R
170822
North Utica, Village of
05/1/05
05/1/05
9
5
5
C
170132
Northbrook, Village of
10/1/94
05/1/04
7
15
5
C
170214
Oak Brook, Village of
10/1/92
10/1/97
7
15
5
C
170172
Orland Hills, Village of
10/1/96
10/1/02
5
25
10
C
175170
Palatine, Village of
10/1/94
05/1/04
7
15
5
C
170533
Peoria County 
10/1/92
10/1/97
8
10
5
C
170919
Prospect Heights, City of
10/1/94
05/1/04
8
10
5
C
170912
Sangamon County
04/1/00
04/1/00
8
10
5
C
170163
South Holland, Village of
10/1/92
10/1/02
5
25
10
C
170330
St. Charles, City of
10/1/94
10/1/04
8
10
5
C
170173
Wheeling, Village of
10/1/91
10/1/93
8
10
5
C
170222
Willowbrook, Village of
10/1/91
10/1/02
6
20
10
C


COMMUNI
TY
NUMBER
COMMUNITY NAME
CRS
ENTRY
DATE
CURREN
T
EFFECTIV
E
DATE
CURRE
NT
CLASS
% 
DISCOUNT
FOR
SFHA1
% 
DISCOUNT
FOR
NON-
SFHA2
STATU
S3

Illinois (continued)






170224
Wood Dale, City of 
10/1/99
10/1/04
5
25
10
C

Indiana






180302
Allen County
10/1/02
10/1/02
9
5
5
C
180006
Bartholomew County 
10/1/93
10/1/93
9
5
5
C
180007
Columbus, City of
10/1/98
10/1/98
9
5
5
C
180001
Decatur, City of
10/1/93
10/1/93
9
5
5
C
180257
Evansville, City of
10/1/99
10/1/04
8
10
5
C
180003
Fort Wayne, City of
10/1/91
05/1/04
7
15
5
C
180080
Hamilton County
10/1/91
05/1/04
7
15
5
C
180419
Hancock County
10/1/03
10/1/03
9
5
5
C
180093
Kokomo, City of
10/1/95
10/1/96
8
10
5
C
180121
Kosciusko, County of
10/1/97
10/1/97
9
5
5
C
180382
Milford Junction, City of
10/1/97
10/1/97
9
5
5
C
180082
Noblesville, City of
10/1/91
05/1/04
7
15
5
C
180465
North Webster, City of
10/1/97
10/1/97
9
5
5
C
180122
Syracuse, City of 
10/1/97
10/1/97
9
5
5
C
180256
Vanderburgh County
04/1/99
04/1/99
8
10
5
C
180263
Vigo County 
10/1/95
10/1/95
9
5
5
C

Iowa






190169
Coralville, City of
10/1/92
10/1/96
10
0
0
R
190242
Davenport, City of
10/1/95
10/1/00
8
10
5
C
190227
Des Moines, City of
10/1/91
10/1/02
7
15
5
C

Kansas






200250
Carbondale, City of
10/1/92
10/1/96
10
0
0
R
200096
Hayes, City of
10/1/92
10/1/03
10
0
0
R
200090
Lawrence, City of
10/1/04
10/1/04
8
10
5
C
200215
Lindsborg, City of
10/1/92
10/1/92
9
5
5
C
200173
Olathe, City of
10/1/93
10/1/93
9
5
5
C
200298
Riley County 
10/1/92
10/1/93
10
0
0
R
200177
Shawnee, City of
10/1/91
10/1/01
8
10
5
C
205187
Topeka, City of
10/1/92
10/1/01
10
0
0
R

Kentucky






210017
Ashland, City of
10/1/92
10/1/97
10
0
0
R
210010
Bell County 
10/1/94
10/1/97
10
0
0
R
210219
Bowling Green, City of
10/1/91
10/1/92
8
10
5
C
210227
Corbin, City of
10/1/93
10/1/94
10
0
0
R
210062
Daviess County
05/1/03
05/1/05
8
10
5
C
210075
Frankfort, City of
10/1/92
10/1/92
9
5
5
C
210280
Franklin County 
10/1/93
10/1/97
10
0
0
R
210051
Grayson, City of
10/1/92
10/1/92
9
5
5
C
210055
Hopkinsville, City of
10/1/91
10/1/96
10
0
0
R
210120
Jefferson County
10/1/91
10/1/00
6
20
10
C

Kentucky (continued)






210067
Lexington-Fayette Urban 
County
10/1/91
10/1/97
8
10
5
C
210122
Louisville, City of
10/1/91
10/1/00
6
20
10
C
210126
Nicholasville, City of
10/1/91
10/1/97
8
10
5
C
210063
Owensboro, City of
05/1/03
05/1/05
8
10
5
C
210127
Paintsville, City of
10/1/92
10/1/92
9
5
5
C
210298
Pike County
10/1/95
10/1/95
9
5
5
C
210193
Pikeville, City of
10/1/92
10/1/92
9
5
5
C
210072
Prestonsburg, City of
10/1/92
10/1/92
9
5
5
C
210366
Radcliff, City of
10/1/95
10/1/95
9
5
5
C
210203
Rowan County 
10/1/94
10/1/94
9
5
5
C
210312
Warren County 
10/1/91
10/1/92
8
10
5
C
210097
West Point, City of
10/1/95
10/1/00
10
0
0
R

Louisiana






220013
Ascension Parish
10/1/92
10/1/04
8
10
5
C
225193
Baker, City of
10/1/91
10/1/91
9
5
5
C
220033
Bossier City, City of
10/1/92
05/1/05
8
10
5
C
220361
Caddo Parish
10/1/95
10/1/95
9
5
5
C
220037
Calcasieu Parish
10/1/91
10/1/91
9
5
5
C
220200
Covington, City of
10/1/95
10/1/96
10
0
0
R
220116
Denham Springs, City of
10/1/91
10/1/91
9
5
5
C
220027
Deridder, City of
10/1/95
10/1/95
9
5
5
C
220058
East Baton Rouge Parish
10/1/91
10/1/94
7
15
5
C
220117
French Settlement, Village of
10/1/92
10/1/92
9
5
5
C
220015
Gonzales, City of
10/1/92
10/1/92
9
5
5
C
225198
Gretna, City of
10/1/00
10/1/00
8
10
5
C
220220
Houma, City of
10/1/92
10/1/04
8
10
5
C
225199
Jefferson Parish
10/1/92
05/1/03
7
15
5
C
225201
Kenner, City of
10/1/92
10/1/93
8
10
5
C
225202
Lafourche Parish
01/1/92
05/1/04
10
0
0
R
220040
Lake Charles, City of
10/1/04
10/1/04
9
5
5
C
220113
Livingston Parish
10/1/92
10/1/92
9
5
5
C
220248
Lutcher, Town of
10/1/92
10/1/92
9
5
5
C
220202
Mandeville, Town of
10/1/92
10/1/02
8
10
5
C
220136
Monroe, City of
10/1/03
10/1/03
9
5
5
C
220196
Morgan City, City of
10/1/91
10/1/91
9
5
5
C
225203
New Orleans/Orleans Parish
10/1/91
10/1/01
8
10
5
C
220135
Ouachita Parish
10/1/02
10/1/02
9
5
5
C
220119
Port Vincent, Village of
10/1/92
10/1/97
10
0
0
R
220008
Rayne, City of
10/1/91
10/1/91
9
5
5
C
220347
Ruston, City of
10/1/92
10/1/92
9
5
5
C
220036
Shreveport, City of
10/1/91
10/1/92
8
10
5
C
220204
Slidell, City of
10/1/92
10/1/92
9
5
5
C
220016
Sorrento, Town of
10/1/92
10/1/92
9
5
5
C
220160
St. Charles Parish 
10/1/91
10/1/91
9
5
5
C
220261
St. James Parish
10/1/91
10/1/97
8
10
5
C

Louisiana (continued)






220164
St. John The Baptist Parish
10/1/94
10/1/94
9
5
5
C
225205
St. Tammany Parish
10/1/92
10/1/92
9
5
5
C
220206
Tangipahoa Parish
10/1/96
10/1/96
9
5
5
C
225206
Terrebonne Parish
10/1/92
10/1/04
8
10
5
C
220121
Walker, Town of
10/1/92
10/1/92
9
5
5
C
220239
West Baton Rouge Parish
10/1/93
10/1/96
8
10
5
C
220061
Zachary, City of
10/1/92
10/1/92
9
5
5
C

Maine






230191
Alfred, Town of
10/1/91
10/1/93
8
10
5
C
230208
Arrowsic, Town of
10/1/93
10/1/93
9
5
5
C
230001
Auburn, City of
10/1/92
10/1/92
9
5
5
C
230043
Cape Elizabeth, Town of
10/1/94
10/1/94
9
5
5
C
230057
Farmington, Town of
10/1/94
10/1/94
9
5
5
C
230018
Fort Fairfield, Town of
10/1/02
10/1/02
8
10
5
C
230209
Georgetown, Town of
10/1/01
10/1/01
9
5
5
C
230069
Hallowell, City of
10/1/96
10/1/96
9
5
5
C
230004
Lewiston, City of
10/1/93
05/1/97
8
10
5
C
230178
Norridgewock, City of
10/1/97
10/1/97
9
5
5
C
230632
Ogunquit, Town of
10/1/92
05/1/03
8
10
5
C
230153
Old Orchard Beach, Town of
10/1/93
10/1/93
9
5
5
C
230120
Phippsburg, Town of
10/1/93
10/1/93
9
5
5
C
230051
Portland, City of
10/1/93
10/1/01
8
10
5
C
230155
Saco, City of
10/1/92
10/1/99
8
10
5
C
230128
Skowhegan, Town of
10/1/91
10/1/03
8
10
5
C
230157
South Berwick, Town of
10/1/94
05/1/05
8
10
5
C
230293
Southwest Harbor, Town of
10/1/96
10/1/02
9
5
5
C
230158
Wells, Town of
10/1/91
10/1/93
8
10
5
C
230159
York, Town of
10/1/01
10/1/01
8
10
5
C

Maryland






240042
Bel Air, Town of
10/1/93
10/1/03
8
10
5
C
240011
Calvert County
10/1/91
10/1/96
10
0
0
R
240130
Caroline County 
10/1/96
10/1/96
9
5
5
C
240040
Harford County 
10/1/91
10/1/00
7
15
5
C
240012
North Beach, City of
01/1/92
10/1/01
8
10
5
C
245207
Ocean City, Town of
10/1/92
10/1/02
7
15
5
C
245208
Prince George's County 
10/1/91
10/1/01
5
25
10
C

Massachusetts






250286
Boston, City of
10/1/92
10/1/97
10
0
0
R
250233
Braintree, Town of
10/1/92
10/1/00
8
10
5
C
250004
Chatham, Town of
10/1/92
10/1/93
8
10
5
C
250082
Gloucester, City of
10/1/92
10/1/97
10
0
0
R
250008
Harwich, Town of
10/1/95
10/1/95
9
5
5
C
250085
Haverhill, City of
10/1/92
10/1/92
9
5
5
C

Massachusetts (continued)






250273
Marshfield, Town of
10/1/91
05/1/97
6
20
10
C
250167
Northampton, City of
05/1/03
05/1/03
8
10
5
C
250060
Norton, Town of
10/1/91
10/1/91
9
5
5
C
250010
Orleans, City of
10/1/93
10/1/93
9
5
5
C
250278
Plymouth, Town of
10/1/91
10/1/91
9
5
5
C
255219
Quincy, City of
10/1/93
05/1/97
7
15
5
C
250282
Scituate, Town of
10/1/91
10/1/95
7
15
5
C
250218
Tewksbury, Town of
10/1/93
10/1/93
9
5
5
C
250349
Worcester, City of
10/1/95
10/1/95
9
5
5
C

Michigan






260142
Bedford, Township of
05/1/02
05/1/02
8
10
5
C
260473
Commerce, Township of
05/1/03
05/1/03
9
5
5
C
260221
Dearborn Heights, City of
10/1/92
10/1/92
9
5
5
C
260172
Farmington Hills, City of
10/1/94
10/1/95
10
0
0
R
260657
Fraser, Township of
05/1/03
05/1/03
9
5
5
C
260226
Gibraltar, City of
10/1/92
10/1/02
8
10
5
C
260118
Hamburg, Township of
10/1/99
10/1/99
8
10
5
C
260150
Luna Pier, City of
05/1/02
05/1/02
8
10
5
C
260140
Midland, City of 
10/1/92
10/1/02
6
20
10
C
260175
Novi, City of
10/1/99
10/1/99
7
15
5
C
260185
Park, Township of
05/1/03
05/1/03
9
5
5
C
260577
Portage, City of
10/1/92
05/1/02
8
10
5
C
260128
Sterling Heights, City of
10/1/95
05/1/05
7
15
5
C
260243
Sumpter, Township of
10/1/95
10/1/04
10
0
0
R
260728
Taylor, City of
05/1/03
05/1/03
9
5
5
C
260503
Taymouth, Township of
05/1/03
05/1/03
9
5
5
C
260285
Zilwaukee, City of
05/1/04
05/1/04
8
10
5
C

Minnesota






275228
Austin, City of
10/1/91
10/1/01
5
25
10
C
275236
East Grand Forks, City of
10/1/91
10/1/98
10
0
0
R
275240
Lake St. Croix Beach, City of
10/1/95
10/1/00
8
10
5
C
270307
Mower County 
10/1/95
04/1/00
8
10
5
C
275246
Rochester, City of
10/1/91
10/1/96
10
0
0
R
270729
West St. Paul, City of
10/1/91
10/1/96
10
0
0
R

Mississippi






285251
Bay St. Louis, City of
10/1/95
10/1/00
7
15
5
C
285252
Biloxi, City of
10/1/96
10/1/03
7
15
5
C
280016
Cleveland, City of
10/1/93
04/1/99
8
10
5
C
280332
Gautier, City of
10/1/94
04/1/00
8
10
5
C
280179
Greenville, City of
10/1/93
05/1/03
8
10
5
C
285253
Gulfport, City of
10/1/96
10/1/01
8
10
5
C
285255
Harrison County
10/1/03
10/1/03
8
10
5
C
280053
Hattiesburg, City of
10/1/94
05/1/02
7
15
5
C

Mississippi (continued)






280070
Hinds County
10/1/93
10/1/93
9
5
5
C
280072
Jackson, City of
10/1/91
10/1/96
8
10
5
C
285257
Long Beach, City of
10/1/00
10/1/00
8
10
5
C
280229
Madison, City of
10/1/96
10/1/01
8
10
5
C
280096
Meridian, City of
10/1/92
10/1/95
8
10
5
C
285259
Ocean Springs, City of
10/1/92
10/1/02
8
10
5
C
285261
Pass Christian, City of
10/1/93
10/1/03
6
20
10
C
280110
Ridgeland, City of
10/1/94
10/1/04
8
10
5
C
280100
Tupelo, City of
05/1/03
05/1/03
8
10
5
C
280176
Vicksburg, City of
10/1/93
04/1/01
7
15
5
C
285262
Waveland, City of
10/1/93
10/1/02
6
20
10
C

Missouri






290188
Arnold, City of
10/1/91
05/1/04
10
0
0
R
290351
Ferguson, City of
10/1/95
04/1/01
10
0
0
R
290172
Independence,City of
10/1/91
10/1/01
7
15
5
C
290362
Kirkwood, City of
10/1/91
10/1/96
10
0
0
R
290315
St. Charles County
10/1/01
05/1/05
7
15
5
C

Montana






300009
Belt, Town of
10/1/91
10/1/92
8
10
5
C
300028
Bozeman, City of
10/1/92
05/1/03
7
15
5
C
300008
Cascade County 
10/1/91
04/1/01
8
10
5
C
300108
Circle, Town of
10/1/91
10/1/93
8
10
5
C
300023
Flathead County
10/1/93
10/1/93
9
5
5
C
300010
Great Falls, City of
10/1/91
04/1/01
7
15
5
C
300038
Lewis and Clark County 
10/1/91
10/1/02
8
10
5
C
300014
Miles City, City of
10/1/91
10/1/94
9
5
5
C
300048
Missoula County
10/1/91
05/1/02
8
10
5
C
300049
Missoula, City of
10/1/91
05/1/02
8
10
5
C
300029
Three Forks, Town of
10/1/93
10/1/98
8
10
5
C
300142
Yellowstone County
05/1/03
05/1/03
8
10
5
C

Nebraska






310069
Fremont, City of
10/1/91
10/1/91
9
5
5
C
315273
Lincoln, City of
10/1/91
05/1/03
7
15
5
C

Nevada






320001
Carson City, City of
10/1/94
04/1/99
8
10
5
C
320003
Clark County 
10/1/92
10/1/03
6
20
10
C
320008
Douglas County 
10/1/93
10/1/04
6
20
10
C
320005
Henderson, City of
10/1/91
10/1/03
6
20
10
C
325276
Las Vegas, City of
10/1/91
10/1/03
6
20
10
C
320035
Mesquite, City of
10/1/02
10/1/02
8
10
5
C
320007
North Las Vegas, City of
10/1/91
10/1/03
6
20
10
C
320033
Storey County
10/1/94
10/1/99
8
10
5
C

New Hampshire






330023
Keene, City of
05/1/02
05/1/03
8
10
5
C
330024
Marlborough, Town of
10/1/94
10/1/94
9
5
5
C
330101
Peterborough, Town of
05/1/04
05/1/04
8
10
5
C
330141
Rye, Town of
05/1/05
05/1/05
9
5
5
C
330028
Winchester, Town of
05/1/02
05/1/02
9
5
5
C

New Jersey






345278
Atlantic City, City of
10/1/92
10/1/00
9
5
5
C
345279
Avalon, Borough of
10/1/96
10/1/00
7
15
5
C
345280
Barnegat Light, Borough of
10/1/92
10/1/01
8
10
5
C
340396
Barnegat, Township of
10/1/92
10/1/97
10
0
0
R
345281
Bay Head, Borough of
10/1/93
10/1/98
8
10
5
C
345282
Beach Haven, Borough of
10/1/91
05/1/04
7
15
5
C
340427
Bedminister, Township of
10/1/96
10/1/00
7
15
5
C
340459
Berkeley Heights, Township 
10/1/94
04/1/99
10
0
0
R
340369
Berkeley, Township of
10/1/92
10/1/94
10
0
0
R
340178
Bloomfield, Town of
10/1/92
10/1/97
10
0
0
R
340289
Bradley Beach, Borough of
10/1/95
10/1/00
7
15
5
C
345286
Brigantine, City of
10/1/92
10/1/01
7
15
5
C
345287
Burlington, City of
04/1/98
10/1/03
8
10
5
C
345288
Cape May City, City of
10/1/94
10/1/99
8
10
5
C
345289
Cape May Point, Borough of
10/1/93
10/1/94
7
15
5
C
345293
Dover, Township of
10/1/92
10/1/92
9
5
5
C
340031
Englewood, City of
10/1/91
10/1/01
10
0
0
R
340570
Hackensack Meadowlands 
Development Commission 
10/1/92
10/1/02
8
10
5
C
340246
Hamilton, Township of
10/1/92
10/1/02
8
10
5
C
345296
Harvey Cedars, Borough of
10/1/91
10/1/99
8
10
5
C
340376
Lacey, Township of
10/1/92
10/1/93
10
0
0
R
340379
Lavallette, Borough of
05/1/04
05/1/05
8
10
5
C
345300
Lincoln Park, Borough of
10/1/91
10/1/97
8
10
5
C
340467
Linden, City of
10/1/91
10/1/02
8
10
5
C
340046
Little Ferry, Borough of
10/1/93
10/1/94
10
0
0
R
340047
Lodi, Borough of
10/1/92
10/1/93
10
0
0
R
345301
Long Beach, Township of
10/1/92
10/1/99
7
15
5
C
345302
Longport, Borough of
10/1/95
10/1/00
8
10
5
C
345303
Manasquan, Borough of
10/1/92
10/1/98
8
10
5
C
340383
Mantoloking, Borough of
10/1/92
10/1/01
7
15
5
C
345304
Margate City, City of
10/1/92
10/1/99
7
15
5
C
340188
Montclair, Township of
10/1/94
10/1/95
10
0
0
R
340517
Mullica, Township of
10/1/94
10/1/01
9
5
5
C
345307
North Plainfield, City of
10/1/92
10/1/92
9
5
5
C
345308
North Wildwood, City of  
10/1/00
10/1/00
7
15
5
C
345309
Oakland, Borough of
10/1/95
10/1/96
10
0
0
R
345310
Ocean City, City of
10/1/92
10/1/01
7
15
5
C
340518
Ocean, Township of
10/1/95
10/1/95
9
5
5
C


COMMUNI
TY
NUMBER
COMMUNITY NAME
CRS
ENTRY
DATE
CURREN
T
EFFECTIV
E
DATE
CURRE
NT
CLASS
% 
DISCOUNT
FOR
SFHA1
% 
DISCOUNT
FOR
NON-
SFHA2
STATU
S3

New Jersey (continued)






340355
Parsippany-Troy Hills, 
Township of
10/1/91
10/1/91
9
5
5
C
340512
Pennsville, Township of
10/1/92
10/1/97
10
0
0
R
345311
Pequannock, Village of
10/1/91
10/1/97
10
0
0
R
345312
Plainfield, City of
10/1/91
10/1/98
10
0
0
R
340388
Point Pleasant Beach,
Borough of
10/1/92
10/1/97
10
0
0
R
345313
Point Pleasant, Borough of
10/1/93
10/1/93
9
5
5
C
345528
Pompton Lakes, Borough of
10/1/91
10/1/96
10
0
0
R
345314
Rahway, City of
10/1/92
10/1/02
8
10
5
C
340067
Ridgewood, Village of
10/1/92
10/1/02
7
15
5
C
340359
Riverdale, Borough of
10/1/94
10/1/94
9
5
5
C
340472
Roselle, Borough of
10/1/92
01/1/98
8
10
5
C
340474
Scotch Plains, Township of
10/1/94
10/1/95
10
0
0
R
345317
Sea Bright, Borough of
10/1/92
10/1/97
10
0
0
R
345318
Sea Isle City, City of
10/1/92
10/1/95
10
0
0
R
345319
Seaside Park, Borough of
10/1/92
10/1/97
10
0
0
R
345320
Ship Bottom, Borough of
10/1/92
10/1/02
8
10
5
C
340329
Spring Lake, Borough of
10/1/94
10/1/99
8
10
5
C
340393
Stafford, Township of
10/1/91
10/1/00
7
15
5
C
345323
Stone Harbor, Borough of
10/1/94
10/1/96
8
10
5
C
345324
Surf City, Borough of
10/1/92
10/1/98
8
10
5
C
340395
Tuckerton, Borough of
10/1/93
10/1/98
10
0
0
R
340331
Union Beach, Borough of
10/1/03
10/1/03
8
10
5
C
345326
Ventnor, City of
10/1/92
10/1/99
8
10
5
C
345327
Wayne, Township of
10/1/91
10/1/00
8
10
5
C
345328
West Wildwood, Borough of
10/1/93
10/1/93
9
5
5
C
345330
Wildwood Crest, Borough of
10/1/93
10/1/03
8
10
5
C
345331
Woodbridge, Township of
10/1/92
10/1/97
10
0
0
R

New Mexico






350045
Alamogordo, City of
10/1/91
10/1/91
9
5
5
C
350002
Albuquerque, City of
10/1/93
10/1/95
8
10
5
C
350001
Bernalillo County 
10/1/93
10/1/93
9
5
5
C
350010
Clovis, City of
10/1/91
10/1/91
9
5
5
C
350012
Dona Ana County
10/1/03
10/1/03
9
5
5
C
350067
Farmington, City of
10/1/91
10/1/91
9
5
5
C
350029
Hobbs, City of
10/1/92
10/1/94
8
10
5
C
355332
Las Cruces, City of
10/1/91
10/1/93
8
10
5
C
350054
Portales, City of
10/1/95
10/1/95
9
5
5
C
350006
Roswell, City of
10/1/92
10/1/92
9
5
5
C

New York






360226
Amherst, Town of
10/1/95
05/1/97
8
10
5
C
360147
Ashland, Town of
10/1/91
10/1/91
9
5
5
C
360790
Babylon,Town of
10/1/92
10/1/93
10
0
0
R

New York (continued)






360988
Bayville, Village of
10/1/92
10/1/03
8
10
5
C
360148
Big Flats, Town of
10/1/91
10/1/96
8
10
5
C
361342
Brightwaters, Village of
10/1/93
10/1/98
10
0
0
R
360570
Camillus, Town of
10/1/96
10/1/01
10
0
0
R
361055
Catlin, Town of
10/1/91
10/1/97
10
0
0
R
360149
Chemung, Town of
10/1/91
10/1/91
9
5
5
C
360772
Corning, City of
10/1/91
10/1/91
9
5
5
C
360463
East Rockaway, Village of
10/1/92
10/1/92
9
5
5
C
360150
Elmira, City of
10/1/91
05/1/97
8
10
5
C
360151
Elmira, Town of
10/1/91
10/1/91
9
5
5
C
360774
Erwin, Town of
10/1/91
10/1/91
9
5
5
C
360464
Freeport, Village of
10/1/92
10/1/97
8
10
5
C
360417
Greece, Town of
10/1/92
10/1/92
9
5
5
C
360777
Hornellsville, Town of
10/1/91
10/1/92
10
0
0
R
360153
Horseheads, Town of
10/1/91
10/1/91
9
5
5
C
360154
Horseheads, Village of
10/1/91
10/1/91
9
5
5
C
360308
Ilion, Village of
10/1/00
10/1/00
9
5
5
C
360047
Johnson City, Village of
10/1/91
10/1/91
9
5
5
C
360247
Lackawanna, City of
05/1/03
05/1/03
9
5
5
C
360476
Lawrence, Village of
10/1/92
10/1/03
8
10
5
C
360506
Niagara Falls, City of
10/1/92
10/1/02
8
10
5
C
360801
Northport, Village of
10/1/94
10/1/94
9
5
5
C
360667
Oneonta, City of
10/1/94
05/1/04
8
10
5
C
360780
Pulteney, Town of
10/1/91
10/1/93
10
0
0
R
360932
Scarsdale, Village of
10/1/93
10/1/98
8
10
5
C
365342
Southampton, Town of
10/1/95
10/1/95
9
5
5
C
365343
Southampton, Village of
10/1/92
10/1/93
10
0
0
R
360156
Southport, Town of
10/1/91
10/1/91
9
5
5
C
360595
Syracuse, City of
10/1/93
10/1/93
9
5
5
C
360056
Union, Town of
10/1/91
10/1/01
9
5
5
C
361057
Veteran, Town of
10/1/91
10/1/96
10
0
0
R
360157
Wellsburg, Village of
10/1/91
10/1/91
9
5
5
C

North Carolina






370404
Alliance, Town of
10/1/92
10/1/92
9
5
5
C
370044
Atlantic Beach, Town of
10/1/92
10/1/93
8
10
5
C
370183
Bayboro, Town of
10/1/92
10/1/92
9
5
5
C
375346
Beaufort, Town of
10/1/94
10/1/94
9
5
5
C
370015
Belhaven, Town of
10/1/93
10/1/94
8
10
5
C
370253
Boone, Town of
10/1/91
10/1/00
7
15
5
C
370231
Brevard, City of
10/1/92
10/1/92
9
5
5
C
370036
Cabarrus County 
10/1/91
10/1/91
9
5
5
C
370039
Caldwell County
04/1/00
04/1/00
9
5
5
C
370046
Cape Carteret, Town of
10/1/93
10/1/03
8
10
5
C
375347
Carolina Beach, Town of
10/1/93
04/1/99
7
15
5
C
370043
Carteret County 
10/1/91
10/1/92
8
10
5
C
370238
Cary, Town of
10/1/92
10/1/96
10
0
0
R

North Carolina (continued)






370391
Caswell Beach, City of
10/1/94
10/1/00
7
15
5
C
370465
Cedar Point, Town of
10/1/92
10/1/92
9
5
5
C
370159
Charlotte, City of
10/1/91
05/1/97
8
10
5
C
370263
Clinton, City of
10/1/94
10/1/94
9
5
5
C
370037
Concord, City of
10/1/93
10/1/03
8
10
5
C
370072
Craven County
10/1/91
10/1/01
8
10
5
C
370443
Creswell, Town of
10/1/94
10/1/99
8
10
5
C
370076
Cumberland County 
10/1/96
10/1/96
9
5
5
C
370078
Currituck County 
10/1/93
10/1/03
7
15
5
C
375348
Dare County
10/1/91
10/1/01
7
15
5
C
370085
Durham County 
10/1/92
10/1/92
9
5
5
C
370062
Edenton, Town of
10/1/93
10/1/93
9
5
5
C
370047
Emerald Isle, Town of
10/1/93
10/1/03
7
15
5
C
370190
Farmville, Town of
10/1/04
10/1/04
8
10
5
C
375349
Forsyth County 
10/1/93
10/1/93
9
5
5
C
370255
Goldsboro, City of
10/1/93
05/1/03
8
10
5
C
370191
Greenville, City of
10/1/92
10/1/02
8
10
5
C
370192
Grifton, Town of
10/1/04
10/1/04
5
25
10
C
370111
Guilford County 
10/1/93
10/1/93
9
5
5
C
370265
Havelock, City of
10/1/95
10/1/99
8
10
5
C
375352
Holden Beach, Town of
10/1/91
10/1/92
8
10
5
C
370133
Hyde County
10/1/92
10/1/92
9
5
5
C
370178
Jacksonville, City of
10/1/91
10/1/91
9
5
5
C
375353
Kill Devil Hills, City of
10/1/91
10/1/01
7
15
5
C
370145
Kinston, City of
10/1/94
10/1/94
9
5
5
C
370439
Kitty Hawk, Town of
10/1/91
10/1/02
6
20
10
C
370144
Lenoir County 
10/1/94
10/1/94
9
5
5
C
370081
Lexington, City of
10/1/93
10/1/93
9
5
5
C
375355
Manteo, Town of
10/1/91
10/1/01
7
15
5
C
370158
Mecklenburg County 
10/1/91
05/1/97
8
10
5
C
370418
Minnesott Beach, Town of
10/1/92
10/1/92
9
5
5
C
370048
Morehead City, Town of
10/1/92
10/1/93
8
10
5
C
375356
Nags Head, City of
10/1/91
10/1/01
6
20
10
C
370167
Nashville, Town of
10/1/94
05/1/05
8
10
5
C
370074
New Bern, City of
10/1/92
05/1/04
10
0
0
R
370168
New Hanover County
10/1/91
10/1/01
7
15
5
C
370049
Newport, Town of
10/1/92
10/1/92
9
5
5
C
370466
North Topsail Beach, Town of
10/1/92
10/1/02
7
15
5
C
370523
Oak Island
10/1/91
10/1/01
7
15
5
C
375357
Ocean Isle Beach, Town of
10/1/92
10/1/02
7
15
5
C
370279
Oriental, Town of
10/1/92
10/1/97
9
5
5
C
370181
Pamlico County
10/1/92
10/1/97
9
5
5
C
370267
Pine Knoll Shores, Town of
10/1/92
10/1/02
7
15
5
C
370160
Pineville, Town of
10/1/91
05/1/97
8
10
5
C
370372
Pitt County
10/1/02
10/1/04
8
10
5
C
370249
Plymouth, Town of
10/1/94
10/1/99
8
10
5
C
370243
Raleigh, City of
10/1/91
10/1/01
8
10
5
C

North Carolina (continued)






370092
Rocky Mount, City of
10/1/92
10/1/02
8
10
5
C
370421
Roper, Town of
10/1/94
10/1/99
8
10
5
C
370220
Sampson County 
10/1/94
10/1/99
10
0
0
R
370430
Southern Shores, Town of
10/1/92
10/1/96
6
20
10
C
370028
Southport, City of
10/1/91
10/1/91
9
5
5
C
370437
Stonewall, Town of
10/1/92
10/1/92
9
5
5
C
375359
Sunset Beach, Town of
10/1/91
10/1/00
8
10
5
C
370187
Topsail Beach, Town of
10/1/92
10/1/02
6
20
10
C
370438
Vandemere, Town of
10/1/92
10/1/92
9
5
5
C
370368
Wake County 
10/1/91
10/1/96
10
0
0
R
370247
Washington County
10/1/94
10/1/99
8
10
5
C
370268
Washington Park, Town of
10/1/92
10/1/92
9
5
5
C
370017
Washington, City of
10/1/92
10/1/02
8
10
5
C
370251
Watauga County 
10/1/91
10/1/91
9
5
5
C
370254
Wayne County
10/1/93
05/1/03
7
15
5
C
370464
Whispering Pines, Village of
10/1/91
10/1/96
10
0
0
R
370071
Whiteville City of
10/1/96
10/1/96
9
5
5
C
370270
Wilson, City of
10/1/91
10/1/91
9
5
5
C
375360
Winston-Salem, City of
10/1/93
10/1/93
9
5
5
C
370193
Winterville, Town of
10/1/93
10/1/97
10
0
0
R
375361
Wrightsville Beach, Town of
10/1/91
10/1/01
5
25
10
C

North Dakota






385365
Grand Forks, City of
10/1/91
10/1/01
5
25
10
C

Ohio






390183
Delta, Village of
10/1/92
10/1/92
9
5
5
C
390038
Fairfield, City of
10/1/93
10/1/98
8
10
5
C
390110
Highland Heights, City of
10/1/91
10/1/92
10
0
0
R
390412
Kettering, City of
10/1/95
10/1/00
8
10
5
C
390328
Licking County 
10/1/93
10/1/97
8
10
5
C
390071
New Richmond, Village of
10/1/92
10/1/02
8
10
5
C
390176
Obetz, Village of
10/1/96
10/1/96
9
5
5
C
390737
Orange, Village of
10/1/91
10/1/91
9
5
5
C
390432
Ottawa County 
10/1/92
10/1/92
9
5
5
C
390472
Ottawa, Village of
10/1/95
10/1/95
9
5
5
C
390460
Preble County
10/1/98
10/1/98
9
5
5
C
390479
Shelby, City of
10/1/92
10/1/92
9
5
5
C
390131
South Euclid, City of
10/1/91
10/1/91
9
5
5
C
390419
West Carrollton, City of
05/1/02
05/1/02
9
5
5
C

Oklahoma






400220
Bartlesville, City of
10/1/92
10/1/02
7
15
5
C
400207
Bixby, Town of
10/1/93
10/1/98
10
0
0
R
400078
Blackwell, City of
10/1/91
10/1/93
8
10
5
C
400236
Broken Arrow, City of
10/1/93
10/1/03
8
10
5
C

Oklahoma (continued)






400234
Chickasha, City of
10/1/92
10/1/92
9
5
5
C
400221
Dewey, City of
10/1/92
10/1/92
9
5
5
C
400252
Edmond, City of
10/1/93
10/1/93
9
5
5
C
400062
Enid, City of
10/1/93
10/1/93
9
5
5
C
400049
Lawton, City of
10/1/91
10/1/04
7
15
5
C
400245
Lindsay, City of
10/1/92
10/1/93
10
0
0
R
400211
Sand Springs, City of
10/1/91
10/1/93
8
10
5
C
400053
Sapulpa, City of
10/1/92
10/1/93
10
0
0
R
405380
Stillwater, City of
10/1/91
10/1/96
9
5
5
C
405381
Tulsa, City of
10/1/91
10/1/03
2
40
10
C

Oregon






410137
Albany, City of
10/1/91
05/1/97
8
10
5
C
410090
Ashland, City of
10/1/91
10/1/96
8
10
5
C
410043
Bandon, City of
05/1/05
05/1/05
9
5
5
C
410240
Beaverton,City of
10/1/91
10/1/94
10
0
0
R
410008
Benton County
10/1/02
10/1/02
7
15
5
C
410029
Cannon Beach, City of
10/1/94
10/1/99
7
15
5
C
410092
Central Point, City of
10/1/92
05/1/02
7
15
5
C
415588
Clackamas County
10/1/04
10/1/04
5
25
10
C
410009
Corvallis, City of
10/1/91
10/1/01
7
15
5
C
410059
Douglas County
10/1/00
10/1/00
8
10
5
C
410122
Eugene, City of
10/1/91
10/1/01
7
15
5
C
410108
Grants Pass, City of
10/1/92
05/1/02
8
10
5
C
415589
Jackson County 
10/1/91
05/1/02
7
15
5
C
410154
Marion County
04/1/01
04/1/01
7
15
5
C
410096
Medford, City of
10/1/94
10/1/94
9
5
5
C
410064
Myrtle Creek, City of
05/1/03
05/1/03
8
10
5
C
410200
Nehalam, City of
10/1/03
10/1/03
7
15
5
C
410021
Oregon City, City of
10/1/03
10/1/03
9
5
5
C
410186
Polk County
10/1/91
10/1/01
8
10
5
C
410183
Portland, City of
10/1/01
10/1/01
6
20
10
C
410201
Rockaway Beach, City of
10/1/04
10/1/04
8
10
5
C
410098
Rogue River, City of
10/1/92
05/1/02
7
15
5
C
410067
Roseburg, City of
10/1/94
10/1/99
8
10
5
C
410039
Scappoose, City of
10/1/93
10/1/98
8
10
5
C
410144
Scio, City of
05/1/04
05/1/04
9
5
5
C
410257
Sheridan, City of
10/1/01
10/1/01
8
10
5
C
410213
Stanfield, City of
10/1/91
10/1/03
8
10
5
C
410100
Talent, City of
10/1/00
10/1/00
8
10
5
C
410196
Tillamook County
04/1/01
04/1/01
6
20
10
C

Pennsylvania






420339
Bloomsburg, Town of
10/1/93
10/1/03
8
10
5
C
421062
Etna, Borough of
10/1/96
05/1/04
8
10
5
C
421134
Granville, Township of
10/1/93
10/1/93
9
5
5
C

Pennsylvania (continued)






420380
Harrisburg,City of
10/1/91
10/1/93
7
15
5
C
420642
Jersey Shore, Borough of
10/1/93
10/1/93
9
5
5
C
420612
Kingston, Borough of
10/1/92
10/1/92
9
5
5
C
420613
Kingston, Township of
10/1/92
04/1/93
10
0
0
R
420831
Lewisburg, Borough of
10/1/93
10/1/03
8
10
5
C
420687
Lewistown, Borough of
10/1/93
10/1/93
9
5
5
C
422105
Limestone, Township of
10/1/93
10/1/98
10
0
0
R
421040
Loyalsock, Township of
10/1/94
04/1/01
10
0
0
R
425384
Milton, Borough of
10/1/92
10/1/03
8
10
5
C
420754
Newport, Borough of
10/1/94
10/1/94
9
5
5
C
421101
Shaler, Township of
10/1/94
10/1/04
8
10
5
C
420834
Union, Township of
10/1/93
10/1/98
10
0
0
R
420372
Upper Allen, Township of
10/1/92
10/1/97
10
0
0
R
421119
Upper St. Clair, Township of
10/1/98
10/1/03
8
10
5
C
420631
Wilkes-Barre, City of
10/1/92
10/1/02
7
15
5
C

Rhode Island






445401
Middletown, Town of
10/1/91
04/1/00
8
10
5
C
445402
Narragansett, Town of
10/1/92
10/1/92
9
5
5
C
445404
North Kingstown, Town of
10/1/93
10/1/93
9
5
5
C
440022
Pawtucket, City of
10/1/02
10/1/02
8
10
5
C

South Carolina






450002
Aiken County
10/1/93
10/1/93
9
5
5
C
450262
Awendaw, Town of
10/1/96
10/1/00
7
15
5
C
450025
Beaufort County
10/1/91
10/1/96
8
10
5
C
450026
Beaufort, City of
10/1/92
10/1/97
8
10
5
C
455413
Charleston County
10/1/95
10/1/00
6
20
10
C
455412
Charleston, City of
10/1/93
05/1/05
7
15
5
C
450056
Colleton County
05/1/05
05/1/05
8
10
5
C
455414
Edisto Beach,Town of
10/1/92
10/1/96
8
10
5
C
450078
Florence, City of
10/1/91
10/1/97
8
10
5
C
455415
Folly Beach, Township of
10/1/96
10/1/01
8
10
5
C
450087
Georgetown, City of
10/1/93
10/1/03
8
10
5
C
450089
Greenville County 
10/1/93
10/1/03
8
10
5
C
450091
Greenville, City of
10/1/91
10/1/04
7
15
5
C
450250
Hilton Head Island, Town of
10/1/91
10/1/97
6
20
10
C
455416
Isle Of Palms, City of
10/1/94
10/1/04
7
15
5
C
450257
Kiawah Island, Town of
10/1/96
10/1/00
6
20
10
C
450129
Lexington County 
10/1/91
10/1/91
9
5
5
C
450039
McClellanville, Town of
10/1/00
10/1/00
8
10
5
C
450040
Meggett, City of
10/1/96
10/1/00
7
15
5
C
455417
Mount Pleasant, City of
10/1/94
10/1/01
8
10
5
C
450109
Myrtle Beach, City of
10/1/91
05/1/03
5
25
10
C
450042
North Charleston, City of
05/1/03
05/1/03
8
10
5
C
450110
North Myrtle Beach, Town of
10/1/91
10/1/97
7
15
5
C

South Carolina (continued)






450166
Pickens County
04/1/99
05/1/04
8
10
5
C
450043
Ravenel, Town of
10/1/96
10/1/00
7
15
5
C
450170
Richland County
10/1/95
10/1/95
9
5
5
C
450249
Rockville, Town of 
10/1/98
10/1/00
7
15
5
C
450256
Seabrook Island, Town of
10/1/95
10/1/00
6
20
10
C
455418
Sullivans Island, Town of
05/1/04
05/1/04
8
10
5
C
450182
Sumter County 
10/1/92
10/1/92
9
5
5
C
450184
Sumter, City of
10/1/92
10/1/92
9
5
5
C

South Dakota






465420
Rapid City, City of
10/1/92
10/1/02
8
10
5
C

Tennessee






470211
Athens, City of
10/1/93
10/1/93
9
5
5
C
470176
Carthage, City of
10/1/92
10/1/02
8
10
5
C
475425
Elizabethton, City of
10/1/93
10/1/93
9
5
5
C
470105
Fayetteville, City of
10/1/92
10/1/93
10
0
0
R
475426
Gatlinburg, City of
10/1/93
10/1/93
9
5
5
C
470059
Humboldt, City of
10/1/93
10/1/96
10
0
0
R
470184
Kingsport, City of
10/1/92
10/1/97
10
0
0
R
475433
Knox County
10/1/02
10/1/02
9
5
5
C
475434
Knoxville, City of
10/1/92
10/1/92
9
5
5
C
470070
Morristown, City of
10/1/92
10/1/93
10
0
0
R
470040
Nashville, City of & Davidson
10/1/91
10/1/91
9
5
5
C
470100
Ripley, Town of
10/1/91
10/1/96
10
0
0
R
475448
Spring City, Town of
10/1/92
10/1/97
10
0
0
R

Texas






485454
Arlington, City of
10/1/91
05/1/05
8
10
5
C
480624
Austin, City of
10/1/91
10/1/99
8
10
5
C
481193
Bastrop County
10/1/04
10/1/04
8
10
5
C
485456
Baytown, City of
10/1/91
10/1/01
7
15
5
C
480289
Bellaire, City of
10/1/93
10/1/93
9
5
5
C
480586
Benbrook, City of
10/1/91
10/1/02
7
15
5
C
480082
Bryan, City of
10/1/95
10/1/95
9
5
5
C
485459
Burleson, City of
10/1/91
10/1/91
9
5
5
C
480167
Carrollton, City of
10/1/91
10/1/01
7
15
5
C
485462
Cleburne, City of
10/1/92
10/1/92
9
5
5
C
480484
Conroe, City of
10/1/92
05/1/02
7
15
5
C
480170
Coppell, City of
10/1/93
10/1/03
8
10
5
C
485464
Corpus Christi, City of
10/1/91
10/1/91
9
5
5
C
480171
Dallas, City of
10/1/91
05/1/02
7
15
5
C
480291
Deer Park, City of
10/1/00
10/1/00
9
5
5
C
480774
Denton County
10/1/92
10/1/93
10
0
0
R
480194
Denton, City of
10/1/91
10/1/01
8
10
5
C
480173
Duncanville, City of
10/1/91
10/1/01
8
10
5
C

Texas (continued)






480214
El Paso, City of
10/1/91
10/1/91
9
5
5
C
485468
Friendswood, City of
10/1/91
10/1/03
5
25
10
C
485471
Garland, City of
10/1/91
10/1/97
7
15
5
C
485472
Grand Prairie, City of
10/1/91
05/1/05
7
15
5
C
480287
Harris County
05/1/04
05/1/04
8
10
5
C
480296
Houston, City of
05/1/02
05/1/02
8
10
5
C
480601
Hurst, City of
10/1/92
10/1/02
8
10
5
C
485481
Kemah, City of
10/1/92
10/1/00
5
25
10
C
485487
LaPorte, City of
10/1/99
10/1/99
8
10
5
C
485488
League City, City of
10/1/92
10/1/92
9
5
5
C
480195
Lewisville, City of
10/1/91
10/1/96
7
15
5
C
480452
Lubbock, City of
10/1/92
10/1/93
8
10
5
C
480477
Midland, City of
10/1/92
10/1/94
8
10
5
C
485491
Nassau Bay, City of
10/1/92
10/1/94
8
10
5
C
480607
North Richland Hills, City of
10/1/91
10/1/99
7
15
5
C
480206
Odessa, City of
10/1/92
10/1/02
8
10
5
C
480307
Pasadena, City of
10/1/91
10/1/92
10
0
0
R
480077
Pearland, City of
05/1/05
05/1/05
8
10
5
C
480140
Plano, City of
10/1/92
10/1/03
6
20
10
C
485499
Port Arthur, City of
10/1/91
10/1/91
9
5
5
C
480184
Richardson, City of
10/1/91
10/1/97
8
10
5
C
485505
San Marcos, City of
10/1/92
10/1/02
7
15
5
C
485507
Seabrook, City of
10/1/02
10/1/02
9
5
5
C
480502
Sweetwater, City of
10/1/91
10/1/91
9
5
5
C
485513
Taylor Lake Village, City of
10/1/96
05/1/02
8
10
5
C
481585
Tiki Island, Village of
10/1/01
10/1/01
9
5
5
C
480662
Wichita Falls, City of
10/1/91
10/1/91
9
5
5
C

Utah






490039
Bountiful, City of
10/1/91
10/1/91
9
5
5
C
490074
Cedar City, City of
10/1/94
10/1/96
10
0
0
R
490040
Centerville, City of
05/1/02
05/1/02
9
5
5
C
490019
Logan, City of
10/1/93
10/1/03
8
10
5
C
490072
Moab, City of
04/1/01
04/1/01
9
5
5
C
490214
North Ogden, City of
10/1/93
05/1/03
8
10
5
C
490216
Orem, City of
10/1/93
10/1/03
8
10
5
C
490159
Provo, City of
10/1/91
10/1/96
8
10
5
C
490178
Santa Clara, Town of
10/1/95
10/1/95
9
5
5
C
490177
St. George, City of
10/1/94
05/1/04
7
15
5
C
490052
West Bountiful, City of
10/1/96
10/1/96
9
5
5
C

Vermont






500013
Bennington, Town of
10/1/93
10/1/93
9
5
5
C
500126
Brattleboro, Town of
10/1/91
10/1/91
9
5
5
C
505518
Montpelier, City of
10/1/98
10/1/98
9
5
5
C

Virginia






510001
Accomack County 
10/1/92
10/1/96
8
10
5
C
515519
Alexandria, City of
10/1/92
10/1/02
8
10
5
C
515520
Arlington County 
10/1/92
10/1/92
9
5
5
C
510134
Bridgewater, Town of
10/1/96
10/1/96
9
5
5
C
510002
Chincoteague, City of
10/1/00
10/1/03
8
10
5
C
515525
Fairfax County 
10/1/93
10/1/03
8
10
5
C
510071
Gloucester County
10/1/95
10/1/95
9
5
5
C
510201
James City County 
10/1/92
10/1/92
9
5
5
C
510090
Loudoun County 
10/1/92
05/1/03
10
0
0
R
510104
Norfolk, City of
10/1/92
10/1/92
9
5
5
C
510183
Poquoson, City of
10/1/92
10/1/97
9
5
5
C
515529
Portsmouth, City of
10/1/92
10/1/00
9
5
5
C
510119
Prince William County 
10/1/96
10/1/01
8
10
5
C
510190
Roanoke County 
10/1/91
10/1/91
9
5
5
C
510130
Roanoke, City of
10/1/96
05/1/03
8
10
5
C
510053
Vienna, Town of
10/1/96
10/1/96
9
5
5
C
510005
Wachapreague, Town of
10/1/96
10/1/96
9
5
5
C

Washington






530073
Auburn, City of
10/1/92
05/1/02
7
15
5
C
530074
Bellevue, City of
10/1/92
10/1/00
6
20
10
C
530153
Burlington, City of
10/1/94
04/1/99
6
20
10
C
530103
Centralia, City of
10/1/94
10/1/99
7
15
5
C
530104
Chehalis, City of
10/1/94
05/1/04
6
20
10
C
530024
Clark County
10/1/04
10/1/04
7
15
5
C
530051
Ephrata, City of 
10/1/00
10/1/00
8
10
5
C
530200
Everson, City of
10/1/94
10/1/99
8
10
5
C
530166
Index, Town of
04/1/98
04/1/98
8
10
5
C
530079
Issaquah, City of
10/1/92
10/1/02
5
25
10
C
530071
King County
10/1/91
10/1/01
4
30
10
C
530156
La Conner, Town of
10/1/96
10/1/97
8
10
5
C
530102
Lewis County 
10/1/94
10/1/99
7
15
5
C
530316
Lower Elwha Klallam Tribe
10/1/00
05/1/05
7
15
5
C
530169
Monroe, City of
10/1/91
04/1/01
6
20
10
C
530158
Mount Vernon, City of
05/1/97
10/1/02
6
20
10
C
530085
North Bend, City of
10/1/95
10/1/96
7
15
5
C
530138
Pierce County
10/1/95
04/1/00
5
25
10
C
530088
Renton, City of
10/1/94
10/1/99
7
15
5
C
530151
Skagit County
04/1/98
10/1/03
6
20
10
C
530090
Snoqualmie, City of
10/1/92
05/1/02
5
25
10
C
530173
Sultan, City of
10/1/03
10/1/03
8
10
5
C
530204
Sumas, City of
10/1/93
04/1/98
7
15
5
C
530188
Thurston County
10/1/00
10/1/00
5
25
10
C
530198
Whatcom County 
10/1/96
10/1/01
7
15
5
C

West Virginia






540004
Philippi, City of
05/1/03
05/1/03
8
10
5
C

Wisconsin






550001
Adams County 
10/1/91
10/1/91
9
5
5
C
550612
Allouez, Village of
10/1/92
10/1/02
7
15
5
C
550128
Eau Claire, City of
10/1/91
10/1/01
8
10
5
C
550578
Elm Grove, Village of
04/1/01
04/1/01
8
10
5
C
550022
Green Bay, City of
10/1/91
10/1/01
7
15
5
C
555562
La Crosse, City of
10/1/91
10/1/02
8
10
5
C
550085
Mazomanie, Village of
10/1/91
10/1/91
9
5
5
C
550310
Ozaukee County 
10/1/91
10/1/91
9
5
5
C
550107
Watertown, City of
10/1/91
10/1/01
8
10
5
C
550108
Waupun, City of
10/1/91
10/1/01
8
10
5
C
550537
Winnebago County 
10/1/91
10/1/01
8
10
5
C

Wyoming 






560037
Casper, City of
10/1/00
10/1/00
9
5
5
C
560030
Cheyenne, City of
05/1/03
05/1/03
7
15
5
C
560013
Douglas, City of
10/1/93
10/1/93
9
5
5
C
560029
Laramie County
05/1/03
05/1/03
8
10
5
C
560085
Park County
10/1/91
10/1/96
10
0
0
R
560044
Sheridan, City of
10/1/95
10/1/95
9
5
5
C

SPECIAL PROCEDURES FOR TARGETED REPETITIVE LOSS PROPERTIES





LVI.	GENERAL DESCRIPTION

The primary objective of the repetitive loss 
properties strategy is to eliminate or reduce 
the damage to property and the disruption to 
life caused by repeated flooding. A target 
group of approximately 11,000 repetitive loss 
properties' policies has been transferred to 
the NFIP Servicing Agent's Special Direct 
Facility (SDF).

The close supervision the SDF provides the 
group of policies and the attention the group 
of properties receives when mitigation 
decisions are made contribute to attaining 
the strategy's primary objective. The target 
group consists of any NFIP insured property 
that has met at least one of the following 
paid flood loss criteria since 1978, regardless 
of ownership:

41.	Four or more paid losses of more than 
$1,000 each; or

42.	Two losses within a 10-year period that, in 
the aggregate, equal or exceed the current 
value of the insured property; or

43.	Three or more losses that, in the 
aggregate, equal or exceed the current 
value of the insured property.

The loss history includes all ownership of the 
property since 1978 or since the building's 
construction if built after 1978.

Target group policies with renewal dates of 
August 1, 2000, and later will be afforded 
coverage (new business or renewal) only 
through the SDF.

The agent of record will remain in that 
capacity while the policy is in the SDF. The 
NFIP Servicing Agent will pay the agent of 
record the standard 15 percent commission 
that is paid on all NFIP Direct business.

LVII.	NOTIFICATION REQUIREMENTS

The first full year of policy transfers to the 
SDF was completed on July 31, 2001. More 
policies will be transferred to the SDF as 
additional properties meet one of the loss 
criteria. As appeals are successful and 
FEMA or its designee approves properties 
for mitigation, policies will be transferred out 
of the SDF.

When policies are to be transferred to the 
SDF, the NFIP Bureau and Statistical Agent 
will notify WYO companies and the NFIP 
Servicing Agent at least 150 days prior to the 
expiration date. The companies will notify the 
affected policyholders and their agents 90 
days before expiration of the policy. This 
notice will explain that the policies are 
ineligible for coverage outside of the SDF. 
(See agent and policyholder notification 
letters, pages RL 2-5.) Offers to renew will be 
issued by the SDF approximately 45 days 
prior to the expiration date.

LVIII.	DISPUTE RESOLUTION

When a policyholder has documentation that 
the NFIP-insured property has not sustained 
the losses reported by the NFIP Bureau and 
Statistical Agent, an appeal may be 
presented, in writing, to the SDF. All 
documentation to substantiate the appeal 
should be included with the appeal letter. 
The policy will remain in the SDF until the 
appeal is settled.

The policyholder and agent will be notified of 
the results of the appeal. If the policyholder's 
appeal is successful, the SDF policy will be 
cancelled and the full premium will be 
returned to the former carrier. The carrier will 
write the policy using the SDF's effective 
dates. If, however, a loss occurs both in the 
current term and before the policy can be 
returned to the former carrier, the SDF will 
continue to service the claim and will return 
the policy at the next renewal cycle.

LIX.	MITIGATION

Outside of the appeal process, when 
mitigation efforts (other than buyout or 
demolition) such as elevation, relocation, or 
other approved mitigation efforts are 
approved by FEMA, the property will be 
removed from the SDF and the target group 
at the next renewal.

If the property is bought out or demolished 
according to an approved FEMA mitigation 
project, and the efforts for the specific 
property are FEMA approved, the policy will 
be cancelled, returning the pro-rata premium 
(less Federal Policy Fee and, if applicable, 
Probation Surcharge). When a property is 
bought out or demolished, any commission 
chargeback to the agent will be forgiven.



HH.	IMPORTANT FLOOD INSURANCE POLICY INFORMATION

Dear Agent:

Your client's property, which is covered by flood insurance, is one of about 11,000 properties nationwide 
that have experienced repetitive flood losses under the National Flood Insurance Program (NFIP).

You and your client know first-hand the disruption to life and property that flooding can cause. The 
Federal Emergency Management Agency (FEMA) is taking steps to control costs for repetitive loss 
properties, such as your client's, and to provide assistance in reducing future flood losses. We have 
identified certain properties, such as your client's, as being Repetitive Loss Properties. These properties 
are defined as meeting one of the following criteria based on paid flood losses since 1978, regardless of 
ownership:

1.	Four or more losses of more than $1,000 each.
2.	Two losses in a 10-year period that, in the aggregate, equal or exceed the current value of the 
insured property.
3.	Three or more losses that, in the aggregate, equal or exceed the current value of the insured 
property. 

If there are multiple losses at the same location within 10 days of each other, they are counted as one 
loss, with the payment amounts added together.

Our strategy for reducing flood losses involves centralizing the processing of all flood insurance policies 
of this select group of repetitive flood loss buildings so we can verify our underwriting and loss 
information and collect information about the flood risk to your client's property. We are working with 
States and local communities to identify the most effective ways to minimize future losses to the property 
owner, as well as to us as the insurer. Our strategy will be carried out in the following way:

?	Since August 2000, insurance companies that write flood insurance under the NFIP have been 
assigning all flood insurance policies for the select group of repetitive loss properties upon 
renewal to a centralized processing center operated by the NFIP's Servicing Agent. We call this 
center the Special Direct Facility (SDF).

?	Even though your client's policy will not be processed by the chosen Write Your Own company 
or by the traditional NFIP Direct program, you will continue as the agent of record throughout the 
process. While the policy remains in the SDF, you will receive the same 15 percent commission 
that NFIP Direct agents receive.

?	About 45 days prior to the renewal date of this policy, your client will receive a premium bill 
from the NFIP Servicing Agent's SDF. This is the only bill that should be paid. 


Agent
Page 2


?	For the time being, the SDF will be the only source for NFIP flood insurance coverage available 
to your client to insure this property. As always, the full premium amount and any related fees 
should be paid. The policy that will be sent to your client will meet all the requirements of any 
mortgage company to the same extent as the current policy.

?	We have encouraged your client to continue to contact you directly for any service needs on the 
policy since you continue to be the policy's agent of record.

?	FEMA is working at the Federal level and with State governments to reduce the losses 
experienced by repetitively flooded properties. The States will be examining innovative strategies 
to deal with repetitive loss problems in local communities. We encourage your client 
to work with the local community in this process.

?	We provide an appeal procedure for your client to follow if he or she believes that we have 
incorrectly included the insured property on our select list of repetitive loss properties.

Our goal is to reduce the devastating effects of repetitive flood losses on us all as property owners and as 
taxpayers. Please call the NFIP Servicing Agent's Special Direct Facility at 1-800-638-6620 if you have 
any questions regarding this letter and the repetitive loss properties strategy, or visit our web site at 
www.fema.gov/nfip for more information.

Sincerely,

 

David I. Maurstad
Acting Director
Mitigation Division
Emergency Preparedness and Response Directorate


II.	IMPORTANT FLOOD INSURANCE POLICY INFORMATION

Dear Policyholder:

The property covered by your flood insurance policy is one of about 11,000 properties nationwide that 
have experienced repetitive flood losses under the National Flood Insurance Program (NFIP).

As the owner of one of those properties, you know first-hand the disruption to life and property that 
flooding can cause. The Federal Emergency Management Agency (FEMA) is taking steps to control costs 
for repetitive loss properties, such as yours, and to assist you in reducing future flood losses. We have 
identified certain properties, such as yours, as being Repetitive Loss Properties. These properties are 
defined as meeting one of the following criteria based on paid flood losses since 1978, regardless of 
ownership:

1.	Four or more losses of more than $1,000 each.
2.	Two losses in a 10-year period that, in the aggregate, equal or exceed the current value of the 
insured property.
3.	Three or more losses that, in the aggregate, equal or exceed the current value of the insured 
property. 

If there are multiple losses at the same location within 10 days of each other, they are counted as one 
loss, with the payment amounts added together. 

Our strategy for reducing flood losses involves centralizing the processing of all flood insurance policies 
of this select group of repetitive flood loss buildings so we can verify our underwriting and loss information 
and collect information about your property's flood risk. We are working with States and local communities 
to identify the most effective ways to minimize future losses to you as the property owner, as well as to us 
as the insurer. Our strategy will be carried out in the following way:

?	Since August 2000, insurance companies that write flood insurance under the NFIP have been 
assigning all flood insurance policies for repetitive loss properties upon renewal to a centralized 
processing center operated by the NFIP's Servicing Agent. We call this center the Special Direct 
Facility (SDF).

?	About 45 days prior to the renewal date of this policy, you will receive a premium bill from the 
NFIP Servicing Agent's SDF. This is the only bill that should be paid.

?	For the time being, the SDF will be the only source for NFIP flood insurance coverage available 
to you to insure this property. As always, the full premium amount and any related fees should 
be paid. The policy that will be sent to you will meet all the requirements of any mortgage 
company to the same extent as the current policy.


Policyholder
Page 2


?	Your insurance agent will continue to provide you with customer service on your flood insurance 
policy, and you should continue to contact your agent directly for any service needs. 

?	FEMA is working at the Federal level and with State governments to reduce the losses 
experienced by repetitively flooded properties. The States will be examining innovative strategies 
to deal with repetitive loss problems in local communities. We encourage you to work with your 
local community in this process.

?	We provide an appeal procedure for you to follow if you believe that we have incorrectly 
included your property on our select list of repetitive loss properties.

Our goal is to reduce the devastating effects of repetitive flood losses on us all as property owners and as 
taxpayers. Please call the NFIP Servicing Agent's Special Direct Facility at 1-800-638-6620 if you have 
any questions regarding this letter and the repetitive loss properties strategy, or visit our web site at 
www.fema.gov/nfip for more information.

Sincerely,

 

David I. Maurstad
Acting Director
Mitigation Division
Emergency Preparedness and Response Directorate



DEFINITIONS



This list of terms is intended to include those that have specific meaning to the National Flood Insurance 
Program (NFIP). In a few instances, standard industry terms have been added for additional focus and 
emphasis.



Act. The National Flood Insurance Act of 1968 
and any amendments to it.

Actual Cash Value (ACV). The cost to replace 
an insured item of property at the time of loss, 
less the value of its physical depreciation.

Adjuster Control Office. An NFIP claims office 
similar to a Flood Insurance Claims Office 
(FICO) with the exception that the Adjuster 
Control Office does not house insured files, 
maintain a claims examiner staff at the site, or 
issue claim payments.

Anchored. Adequately secured to prevent 
flotation, collapse, or lateral movement.

Application. The statement made and signed 
by the prospective policyholder or the agent in 
applying for an NFIP flood insurance policy. The 
application gives information used to determine 
the eligibility of the risk, the kind of policy to be 
issued, and the correct premium payment. The 
application is part of the flood insurance policy. 
For a policy to be issued, the correct premium 
payment must accompany the application.

Appurtenant Structure. A detached garage 
servicing a 1-4 family dwelling.

Assignment. The transfer by a policyholder of 
his/her legal right or interest in a policy contract 
to a third party. In the NFIP, written assignment 
of a policy is permissible upon transfer of title, 
without the consent of the Federal Emergency 
Management Agency (FEMA), except in the 
case where a residential (household) contents-
only policy is involved or a policy was issued to 
cover a building in the course of construction.

Base Flood. A flood having a 1 percent chance 
of being equaled or exceeded in any given year.

Base Flood Depth (BFD). The depth shown on 
the Flood Insurance Rate Map for Zone AO that 
indicates the depth of water above highest 
adjacent grade resulting from a flood that has a 
1 percent chance of equaling or exceeding that 
level in any given year.


Base Flood Elevation (BFE). The elevation 
shown on the Flood Insurance Rate Map for 
Zones AE, AH, A1-A30, AR, AR/A, AR/AE, 
AR/A1-A30, AR/AH, AR/AO, V1-V30, and VE 
that indicates the water surface elevation 
resulting from a flood that has a one percent 
chance of equaling or exceeding that level in 
any given year.

Basement. Any area of the building, including 
any sunken room or sunken portion of a room, 
having its floor below ground level (subgrade) on 
all sides.

Binder. A temporary agreement between 
company, producer, and insured that the policy 
is in effect. Binders are not permitted under the 
NFIP.

Blanket Insurance. A single amount of 
insurance applying to more than one building 
and/or contents. Blanket insurance is not 
permitted under the NFIP.

Breakaway Wall. A wall that is not part of the 
structural support of the building and is intended 
through its design and construction to collapse 
under specific lateral loading forces, without 
causing damage to the elevated portion of the 
building or supporting foundation system.

Building.
?	A structure with two or more outside rigid 
walls and a fully secured roof, that is affixed 
to a permanent site; or
?	A manufactured home (a "manufactured 
home," also known as a mobile home, is a 
structure built on a permanent chassis, 
transported to its site in one or more 
sections, and affixed to a permanent 
foundation); or
?	A travel trailer without wheels, built on a 
chassis and affixed to a permanent 
foundation, that is regulated under the 
community's floodplain management and 
building ordinances or laws.
"Building" does not mean a gas or liquid storage 
tank or a recreational vehicle, park trailer, or 
other similar vehicle, except as described above.



Building in the Course of Construction. A 
walled and roofed building (see page GR 4 for 
exception) that is principally above ground and 
affixed to a permanent site. It does not include 
building materials or supplies intended for use in 
construction, alteration, or repair unless such 
materials or supplies are within an enclosed 
building on the premises.

Cancellation. The ending of the insurance 
coverage provided by a policy before the 
expiration date.

Cistern. Covered cisterns and the water in them 
are defined as an integral part of an insurable 
building, meaning under the building or above 
ground and physically attached to a side of the 
building with one of the walls of the building and 
cistern being common to each other.

Claims Coordinating Office (CCO). A 
clearinghouse for the various insurers who are 
responding to a multi-peril catastrophe. Through 
voluntary participation, all losses are reported to 
the Claims Coordinating Office and are 
processed to locate address matches among the 
reported claims. The interest of each carrier is 
protected as the Claims Coordinator maintains 
sole control over the policy and loss information. 
If a match is found, special care is taken to 
direct the assigned adjuster(s) to a mutually 
agreeable adjustment or to have one adjuster 
surrender his/her loss with the assurance that 
every effort will be made to replace it.

Closed Basin Lake. A natural lake from which 
water leaves primarily through evaporation and 
whose surface area exceeds or has exceeded 
1 square mile at any time in the recorded past. 
NFIP-insured buildings that are subject to 
continuous lake flooding from a closed basin 
lake are covered under the provisions of 
Standard Flood Insurance Policy.

Coastal Barrier. A naturally occurring island, 
sandbar, or other strip of land, including coastal 
mainland, that protects the coast from severe 
wave wash.

Coastal Barrier Improvement Act of 1990 
(CBIA). Enacted on November 16, 1990, the Act 
greatly expanded the identified land in the 
Coastal Barrier Resources System established 
pursuant to the Coastal Barrier Resources Act of 
1982.

Coastal Barrier Resources Act of 1982 
(CBRA). For the purposes of the NFIP, the 
Coastal Barrier Resources Act of 1982 
designated certain portions of the Gulf and East 
Coasts as undeveloped coastal barriers. These 
areas are shown on appropriate flood insurance 
map panels and have certain coverage 
restrictions.

Coastal Barrier Resources System (CBRS). 
Communities, coastal barriers, and other 
protected areas identified by the Department of 
the Interior legislation defined above.

Coastal High Hazard Areas. Special Flood 
Hazard Areas along the coasts that have 
additional hazards due to wind and wave action. 
These areas are identified on Flood Insurance 
Rate Maps as Zones V, V1-V30, and VE.

Coinsurance. A penalty imposed on the loss 
payment unless the amount of insurance carried 
on the damaged building is at least 80 percent of 
its replacement cost or the maximum amount of 
insurance available for that building under the 
NFIP, whichever is less. Coinsurance applies 
only to building coverage under the Residential 
Condominium Building Association Policy.

Community. A political entity that has the 
authority to adopt and enforce floodplain 
ordinances for the area under its jurisdiction.

Community Number. A 6-digit designation 
identifying each NFIP community. The first two 
numbers are the state code. The next four are 
the FEMA-assigned community number. An 
alphabetical suffix is added to a community 
number to identify revisions in the Flood 
Insurance Rate Map for that community.

Community Rating System (CRS). A program 
developed by FEMA to provide incentives for 
those communities in the Regular Program that 
have gone beyond the minimum floodplain 
management requirements to develop extra 
measures to provide protection from flooding.

Condominium. That form of ownership of real 
property in which each unit owner has an 
undivided interest in common elements.

Condominium Association. The entity made 
up of the unit owners responsible for the 
maintenance and operation of:
?	Common elements owned in undivided 
shares by unit owners;
?	Other real property in which the unit owners 
have use rights;
where membership in the entity is a required 
condition of unit ownership.




Countywide Map. A Flood Insurance Rate Map 
that shows flooding information for the entire 
geographic area of a county, including the 
incorporated communities within the county.

Date of Construction. The date that the 
building permit was issued, provided the actual 
start of construction, repair, reconstruction, or 
improvement was within 180 days of the permit 
date.

Declarations Page. A computer-generated 
summary of information provided by the 
prospective policyholder in the application for 
flood insurance. The Declarations Page also 
describes the term of the policy and the limits of 
coverage and displays the premium and the 
insurer's name. The Declarations Page is a part 
of the flood insurance policy.

Deductible Buyback. The option whereby, for 
an additional premium, policyholders who wish 
to reduce their deductibles from the standard 
deductibles of $1,000 per building loss and per 
contents loss for Pre-FIRM risks may purchase 
separate $500 deductibles for building and 
contents coverages.

Described Location. The location where the 
insured building or personal property is found. 
The described location is shown on the 
Declarations Page.

Diagram Number. Any of the numbers used in 
the instructions to the FEMA Elevation 
Certificate to identify the diagrams of the eight 
main types of buildings.

Direct Physical Loss By or From Flood. Loss 
or damage to insured property, directly caused 
by a flood. There must be evidence of physical 
changes to the property.

Doublewide Manufactured (Mobile) Home. A 
manufactured (mobile) home that, when 
assembled as a nonmovable, permanent 
building, is at least 16 feet wide and has an area 
within its perimeter walls of at least 600 square 
feet.

Dwelling. A building designed for use as a 
residence for no more than four families or a 
single-family unit in building under a 
condominium form of ownership.

Dwelling Form. See "Standard Flood Insurance 
Policy–Dwelling Form."

Elevated Building. A building that has no 
basement and that has its lowest elevated floor 
raised above ground level by foundation walls, 
shear walls, posts, piers, pilings, or columns. 
Solid perimeter foundations walls are not an 
acceptable means of elevating buildings in V 
and VE zones.

Emergency Program. The initial phase of a 
community's participation in the National Flood 
Insurance Program. During this phase, only 
limited amounts of insurance are available under 
the Act.

Enclosure. That portion of an elevated building 
below the lowest elevated floor that is either 
partially or fully shut in by rigid walls.

Erosion. The collapse, undermining, or 
subsidence of land along the shore of a lake or 
other body of water. Erosion is a covered peril if 
it is caused by waves or currents of water 
exceeding their cyclical levels which result in 
flooding.

Expense Constant. A flat fee formerly charged 
on each new and renewal policy, the Expense 
Constant was eliminated effective May 1, 2003, 
and no longer affects the premium calculation 
for new and renewal business. However, the 
Expense Constant may affect the calculation of 
refunds going back prior to May 1, 2003, for 
policy cancellations and endorsements.

Federal Emergency Management Agency 
(FEMA). The federal agency under which the 
National Flood Insurance Program (NFIP) is 
administered.  In March 2003, FEMA became 
part of the newly created U.S. Department of 
Homeland Security.

Federal Policy Fee. A flat charge that the 
policyholder must pay on each new or renewal 
policy to defray certain administrative expenses 
incurred in carrying out the National Flood 
Insurance Program. 

Financial Assistance/Subsidy Arrangement. 
The arrangement between an insurance 
company and FEMA to initiate the company's 
participation in the Write Your Own (WYO) 
Program. It establishes the duties of the 
company and the government.

Finished (Habitable) Area. An enclosed area 
having more than 20 linear feet of finished walls 
(paneling, etc.) or used for any purpose other 
than solely for parking of vehicles, building 
access, or storage.

Flood.
?	A general and temporary condition of partial 
or complete inundation of two or more acres 
of normally dry land area or of two or more 
properties (at least one of which is the 
policyholder's property) from:


	–	Overflow of inland or tidal waters;
	–	Unusual and rapid accumulation or 
runoff of surface waters from any 
source; or
	–	Mudflow; or
?	Collapse or subsidence of land along the 
shore of a lake or similar body of water as a 
result of erosion or undermining caused by 
waves or currents of water exceeding 
anticipated cyclical levels that result in a flood 
as defined above.

Flood Hazard Boundary Map (FHBM). Official 
map of a community issued by FEMA, where the 
boundaries of the flood, mudflow, and related 
erosion areas having special hazards have been 
designated.

Flood Insurance Claims Office (FICO). An 
NFIP claims processing office set up in a 
catastrophe area when a sufficient number of 
flood claims result from a single event.

Flood Insurance Rate Map (FIRM). Official 
map of a community on which FEMA has 
delineated both the special hazard areas and 
the risk premium zones applicable to the 
community.

Flood Response Office (FRO). The FRO 
provides a local presence in the affected area 
and supports the WYO companies, the NFIP 
Servicing Agent, and various federal, state, and 
local officials in providing answers to claims 
coverage questions, forms for claims handling, 
and survey and statistical input. One of the key 
requirements of personnel at the FRO is to 
coordinate and conduct reinspections of WYO 
and NFIP Direct losses. The FRO also tracks 
adjuster performance and provides such 
information to interested WYO and NFIP Direct 
companies.

Floodplain. Any land area susceptible to being 
inundated by flood waters from any source.

Floodplain Management. The operation of an 
overall program of corrective and preventive 
measures for reducing flood damage, including 
but not limited to, emergency preparedness 
plans, flood control works, and floodplain 
management regulations.

Floodproofing. Any combination of structural 
and nonstructural additions, changes, or 
adjustments to structures, which reduce or 
eliminate risk of flood damage to real estate or 
improved real property, water and sanitation 
facilities, or structures with their contents.

Freeboard. An additional amount of height 
above the Base Flood Elevation used as a factor 
of safety (e.g., 2 feet above the Base Flood) in 
determining the level at which a structure's 
lowest floor must be elevated or floodproofed to 
be in accordance with State or community 
floodplain management regulations.

General Property Form. See "Standard Flood 
Insurance Policy–General Property Form."

Grade Elevation. The lowest or highest finished 
ground level that is immediately adjacent to the 
walls of the building.  Use natural (pre-
construction), ground level, if available, for Zone 
AO and Zone A (without BFE).

Grandfathering. An exemption based on 
circumstances previously existing. Under the 
NFIP, buildings located in Emergency Program 
communities and Pre–Flood Insurance Rate 
Map buildings in the Regular Program are 
eligible for subsidized flood insurance rates. 
Post–Flood Insurance Rate Map buildings in the 
Regular Program built in compliance with the 
floodplain management regulations in effect at 
the start of construction will continue to have 
favorable rate treatment even though higher 
base flood elevations or more restrictive, greater 
risk zone designations result from Flood 
Insurance Rate Map revisions.

Group Flood Insurance. Issued by the NFIP 
Direct Program in response to a Presidential 
disaster declaration. Disaster assistance 
applicants, in exchange for a modest premium, 
receive a minimum amount of building and/or 
contents coverage for a 3-year policy period. An 
applicant may cancel the group policy at any 
time and secure a regular Standard Flood 
Insurance Policy through the NFIP.

High-Rise Building. High-rise condominium 
buildings have five or more units and at least 
three floors excluding enclosure even if it is the 
lowest floor for rating purposes. An enclosure 
below an elevated building, even if it is the 
lowest floor for rating purposes, cannot be 
counted as a floor to avoid classifying the 
building as low rise.

Historic Building. Any building that is:
?	Listed individually in the National Register of 
Historic places (a listing maintained by the 
Department of the Interior) or preliminarily 
determined by the Secretary of the Interior 
as meeting the requirements for individual 
listing on the National Register; or
?	Certified or preliminarily determined by the 
Secretary of the Interior as contributing to 
the historical significance of a registered 
historic district or a district preliminarily 
determined by the Secretary to qualify as a 
registered historic district; or
?	Individually listed in a state inventory of 
historic places in states with preservation 
programs that have been approved by the 
Secretary of the Interior; or
?	Individually listed on a local inventory of 
historic places in communities with historic 
preservation programs that have been 
certified either:
–	By an approved state program as 
determined by the Secretary of the 
Interior, or
–	Directly by the Secretary of the Interior 
in states without approved programs.

Increased Cost of Compliance. Coverage for 
expenses that a property owner must incur, 
above and beyond the cost to repair the physical 
damage the structure actually sustained from a 
flooding event, to comply with mitigation 
requirements of State or local floodplain 
management ordinances or laws. Acceptable 
mitigation measures are elevation, floodproofing, 
relocation, demolition, or any combination 
thereof.

Letter of Determination Review (LODR). 
FEMA's ruling on the determination made by a 
lender or third party that a borrower's building is 
in a Special Flood Hazard Area (SFHA). A 
LODR deals only with the location of a building 
relative to the SFHA boundary shown on the 
Flood Insurance Rate Map. 

Letter of Map Amendment (LOMA). An 
amendment to the currently effective FEMA map 
which establishes that a property is not located 
in a Special Flood Hazard Area. A LOMA is 
issued only by FEMA.

Letter of Map Revision (LOMR). An official 
amendment to the currently effective FEMA 
map. It is issued by FEMA and changes flood 
zones, delineations, and elevations.

Loss in Progress. A loss that is already in 
progress as of 12:01 a.m. on the first day of the 
policy term; or, as to any increase in the limits of 
coverage which is requested, a loss that is 
already in progress when the additional 
coverage is requested.

Lowest Adjacent Grade. The lowest point of 
the ground level next to the building.

Lowest Floor. The lowest floor of the lowest 
enclosed area (including a basement). An 
unfinished or flood-resistant enclosure, usable 


solely for parking of vehicles, building access, or 
storage in an area other than a basement area, 
is not considered a building's lowest floor 
provided that such enclosure is not built so as to 
render the structure in violation of requirements. 

Lowest Floor Elevation (LFE). The measured 
distance of a building's lowest floor above the 
National Geodetic Vertical Datum (NGVD) or 
other datum specified on the FIRM for that 
location.

Low-Rise Building. Low-rise condominium 
buildings have fewer than five units regardless 
of the number of floors or five or more units with 
fewer than three floors including basement. All 
townhouses/rowhouses, regardless of the 
number of floors or units, and all single-family 
detached condominium buildings are classified 
as low rise. An enclosure below an elevated 
building, even if it is the lowest floor for rating 
purposes, cannot be counted as a floor to avoid 
classifying the building as low rise.

Mandatory Purchase. Under the provisions of 
the Flood Disaster Protection Act of 1973, 
individuals, businesses, and others buying, 
building, or improving property located in 
identified areas of special flood hazards within 
participating communities are required to 
purchase flood insurance as a prerequisite for 
receiving any type of direct or indirect federal 
financial assistance (e.g., any loan, grant, 
guaranty, insurance, payment, subsidy, or 
disaster assistance) when the building or 
personal property is the subject of or security for 
such assistance.

Manufactured (Mobile) Home. A structure built 
on a permanent chassis, transported to its site in 
one or more sections, and affixed to a 
permanent foundation. "Manufactured (mobile) 
home" does not include recreational vehicles.

Manufactured (Mobile) Home Park or 
Subdivision, Existing. A manufactured 
(mobile) home park or subdivision for which the 
construction of facilities for servicing the lots on 
which the manufactured (mobile) homes are to 
be affixed (including, at a minimum, the 
installation of utilities, the construction of streets, 
and either final site grading or the pouring of 
concrete pads) is completed on or before 
December 31, 1974, or before the effective date 
of the community's initial FIRM, whichever is 
later.


Manufactured (Mobile) Home Park or Subdivision, Expansion to Existing Site. The preparation of 
additional sites by the construction of facilities for servicing the lots on which manufactured (mobile) 
homes are to be affixed (including the installation of utilities, the construction of streets, and either final 
site grading or the pouring of concrete pads).

Manufactured (Mobile) Home Park or Subdivision, New. A manufactured (mobile) home park or 
subdivision for which the construction of facilities for servicing the lots on which the manufactured 
(mobile) homes are to be affixed (including, at a minimum, the installation of utilities, the construction of 
streets, and either final site grading or the pouring of concrete pads) is completed after December 31, 
1974, or on or after the effective date of the community's initial FIRM, whichever is later.

Map Revision. A change in the FHBM or FIRM for a community which reflects revised zone, base flood, 
or other information.

Mean Sea Level. See National Geodetic Vertical Datum (NGVD).

Modular Building. A building that is usually transported to its site on a steel frame or special trailer 
because it does not have a permanent chassis like a manufactured (mobile) home. A modular building is 
classified and rated under one of the other building types.

Mortgage Portfolio Protection Program (MPPP). A program designed to help lending institutions 
maintain compliance with the Flood Disaster Protection Act of 1973, as amended. Policies written under 
the MPPP can be placed only through a WYO Company.

Mudflow. A river of liquid and flowing mud on the surfaces of normally dry land areas, as when earth is 
carried by a current of water. Other earth movements, such as landslide, slope failure, or a saturated soil 
mass moving by liquidity down a slope, are not mudflows.

National Flood Insurance Program (NFIP). The program of flood insurance coverage and floodplain 
management administered under the Act and applicable Federal regulations promulgated in Title 44 of 
the Code of Federal Regulations, Subchapter B.

National Geodetic Vertical Datum (NGVD). National standard reference datum for elevations, formerly 
referred to as Mean Sea Level (MSL) of 1929. NGVD is used as the reference datum on most FIRMs.

Natural Grade. The grade unaffected by construction techniques such as fill, landscaping, or berming.

New Construction. Buildings for which the "start of construction" commenced on or after the effective 
date of an initial FIRM or after December 31, 1974, whichever is later, including any subsequent 
improvements.

NFIP Bureau and Statistical Agent. A corporation, partnership, association, or any other organized 
entity that contracts with the Federal Emergency Management Agency to be the focal point of support 
operations for the NFIP.

NFIP Servicing Agent. A corporation, partnership, association, or any other organized entity that 
contracts with the Federal Emergency Management Agency to service insurance policies as direct 
business.

NFIP Special Direct Facility (SDF). Formed in 2000, a branch of the NFIP Servicing Agent to which 
WYO companies transfer renewals for identified properties in the Repetitive Loss Target Group so that 
mitigation assistance can be offered to the policyholders.

Non-Residential. Includes, but is not limited to: small business concerns, churches, schools, farm 
buildings (including grain bins and silos), poolhouses, clubhouses, recreational buildings, mercantile 
structures, agricultural and industrial structures, warehouses, hotels and motels with normal room rentals 
for less than 6 months' duration, and nursing homes.

Nullification. The act of declaring an insurance contract invalid from its inception so that, from a legal 
standpoint, the insurance contract never existed.

Other Residential. Hotels or motels where the normal occupancy of a guest is 6 months or more; a 
tourist home or rooming house which has more than four roomers. A residential building (excluding hotels 
and motels with normal room rentals for less than 6 months' duration) containing more than four dwelling 
units.  Incidental occupancies such as office, professional private school, or studio occupancy, are 
permitted if the total area of such incidental occupancies is limited to less than 25 percent of the total floor 
area within the building.

Out-As-Shown Determination. An alternative outcome of the FEMA Letter of Map Amendment (LOMA) 
review process stating that a specific property is located outside the Special Flood Hazard Area as 
indicated on the Flood Hazard Boundary Map or Flood Insurance Rate Map.

Participating Community. A community for which FEMA has authorized the sale of flood insurance 
under the NFIP.

Policy. The entire written contract between the insured and the insurer. It includes:
?	The printed policy form;
?	The application and Declarations Page;
?	Any endorsement(s) that may be issued; and
?	Any renewal certificate indicating that coverage has been instituted for a new policy and new policy 
term.
Only one dwelling, specifically described by the prospective policyholder in the application, may be 
insured under a policy.

Pollutants. Substances that include, but are not limited to, any solid, liquid, gaseous, or thermal irritant or 
contaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals, and waste. "Waste" includes, 
but is not limited to, materials to be recycled, reconditioned, or reclaimed.

Ponding Hazard. A flood hazard that occurs in flat areas when there are depressions in the ground that 
collect "ponds" of water. The ponding hazard is represented by the zone designation AH on the FIRM.

Post-FIRM Building. A building for which construction or substantial improvement occurred after 
December 31, 1974, or on or after the effective date of an initial Flood Insurance Rate Map (FIRM), 
whichever is later.

Pre-FIRM Building. A building for which construction or substantial improvement occurred on or before 
December 31, 1974, or before the effective date of an initial Flood Insurance Rate Map (FIRM).

Preferred Risk Policy (PRP). A policy that offers fixed combinations of building/contents coverage or 
contents-only coverage at modest, fixed premiums. The PRP is available for property located in B, C, and 
X Zones in Regular Program communities that meets eligibility requirements based on the property's 
flood loss history.

Prepaid Amount (Total). The total amount that must be submitted with an application or renewal in order 
to be acceptable for coverage. It is determined by adding the Federal Policy Fee to the Total Prepaid 
Premium. 

Prepaid Premium (Total). The amount on the application (excluding the Preferred Risk Application) that 
includes the Annual Subtotal, the ICC Premium, the CRS Premium Discount (if applicable), and the 
Probation Surcharge (if applicable).

Presentment of Payment (Premium). The date of receipt of premium at the office of the NFIP or the 
date of certified mail. In the case of transfer of title, the date of settlement or closing, when the premium is 
paid at that time.

Principal Residence. A single-family dwelling in which, at the time of loss, the named insured or the 
named insured's spouse has lived for either 80 percent of the 365 days immediately preceding the loss, 
or 80 percent of the period of ownership, if less than 365 days.

Principally Above Ground Building. A building that has at least 51 percent of its actual cash value, 
including machinery and equipment, above ground.

Probation. A FEMA-imposed change in a community's status resulting from violations and deficiencies in 
the administration and enforcement of NFIP local floodplain management regulations.

Probation Surcharge (Premium). A flat charge that the policyholder must pay on each new or renewal 
policy issued covering property in a community that the NFIP has placed on probation under the 
provisions of 44 CFR 59.24.

Proper Openings - Enclosures (Applicable to Zones A, A1-A30, AE, AO, AH, AR, and AR Dual). All 
enclosures below the lowest elevated floor must be designed to automatically equalize hydrostatic flood 
forces on exterior walls by allowing for the entry and exit of floodwaters. A minimum of two openings, with 
positioning on at least two walls, having a total net area of not less than 1 square inch for every square foot 
of enclosed area subject to flooding must be provided. The bottom of all openings must be no higher than 1 
foot above grade.

Property Removed to Safety Expense. Up to $1,000 of reasonable expenses incurred by the insured to 
temporarily remove insured property from the described location because of flood or the imminent danger 
of flood.

Provisional Rating. A method for placing flood coverage prior to the receipt of a FEMA Elevation 
Certificate.

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

Regular Program Community. A community wherein a FIRM is in effect and full limits of coverage are 
available under the Act.

Repetitive Loss Structure. An NFIP-insured structure that has had at least two paid flood losses of more 
than $1,000 each in any 10-year period since 1978.

Repetitive Loss Target Group. NFIP-insured properties that, on the basis of losses since 1978, meet 
one or more of the loss criteria described on page RL 1. WYO companies began transferring renewals for 
identified properties in this group to the NFIP Special Direct Facility (SDF, a branch of the NFIP Servicing 
Agent) on August 1, 2000, so that mitigation assistance can be offered to the policyholders.

Replacement Cost Value (RCV). The cost to replace property with the same kind of material and 
construction without deduction for depreciation.

Residential Condominium Building. A building, owned and administered as a condo-minium, 
containing one or more family units and in which at least 75 percent of the floor area is residential. 

Residential Condominium Building Association Policy (RCBAP). See "Standard Flood Insurance 
Policy–Residential Condomin-ium Building Association Policy (RCBAP)."

Scheduled Building Policy. A policy that requires a specific amount of insurance to be designated for each 
building and its contents.

Section 1316. Section of the National Flood Insurance Act of 1968, as amended, which states that no 
new flood insurance coverage shall be provided for any property that FEMA finds has been declared by a 
duly constituted state or local zoning authority or other authorized public body to be in violation of state or 
local laws, regulations, or ordinances that are intended to discourage or otherwise restrict land 
development or occupancy in flood-prone areas.

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

Sheet Flow Hazard. A type of flood hazard with flooding depths of 1 to 3 feet that occurs in areas of 
sloping land. The sheet flow hazard is represented by the zone designation AO on the FIRM.

Single Adjuster Program. A procedure implemented among the NFIP, various wind pools, and WYO 
Companies to allow one adjuster to represent both carriers in adjusting a combined wind-water loss 
where the NFIP has the flood coverage and another carrier has the wind coverage.

Single Building. A building that is separated from other buildings by intervening clear space or solid, 
vertical, load-bearing division walls.

Single-Family Residence. A residential single-family dwelling. Incidental office, professional, private 
school, or studio occupancies, including a small service operation, are permitted if such incidental 
occupancies are limited to less than 50 percent of the building's total floor area.

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

Special Flood Hazard Area (SFHA). An area having special flood, mudflow, or flood-related erosion 
hazards, and shown on a Flood Hazard Boundary Map or Flood Insurance Rate Map as Zone A, AO, A1-
A30, AE, A99, AH, AR, AR/A, AR/AE, AR/AH, AR/AO, AR/A1-A30, V1-V30, VE, or V. For the purpose of 
determining Community Rating System premium discounts, all AR and A99 zones are treated as non-
SFHAs.

Standard Flood Insurance Policy–Dwelling Form. Policy issued to insure a building and/or residential 
contents on a single-family or a 2-4 family dwelling.

Standard Flood Insurance Policy–General Property Form. Policy issued to insure a building and/or 
contents on other residential or non-residential buildings.

Standard Flood Insurance Policy–Residential Condominium Building Association Policy (RCBAP). 
Policy issued to insure a residential condominium building and all units within the building, provided that 
the building is located in a Regular Program community and at least 75 percent of the total floor area is 
residential.

Start of Construction. For other than new construction or substantial improvements, under the Coastal 
Barrier Resources Act, this is the date when the building permit was issued, provided that the actual start 
of construction, repair, rehabilitation, addition, placement, or other improvement was within 180 days of 
the permit date. The actual start means either the first placement of permanent construction of a building 
on site, such as the pouring of a slab or footing, the installation of piles, the construction of columns, or 
any work beyond the stage of excavation; or the placement of a manufactured (mobile) home on a 
foundation. For a substantial improvement, actual start of construction means the first alteration of any 
wall, ceiling, floor, or other structural part of a building, whether or not that alteration affects the external 
dimensions of the building.

Stock. Merchandise held in storage or for sale, raw materials, and in-process or finished goods, including 
supplies used in their packing or shipping. "Stock" does not include any property not covered under 
"Section IV. Property Not Covered" of the General Property Form, except the following:
?	Parts and equipment for self-propelled vehicles;
?	Furnishings and equipment for watercraft;
?	Spas and hot-tubs, including their equipment; and
?	Swimming pool equipment.

Submit-for-Rate. An application for flood insurance on a building for which no risk rate is published in the 
Flood Insurance Manual. Insurance coverage can be obtained only after the NFIP has approved the 
application and has established the risk premium rate.

Substantial Damage. Damage of any origin sustained by a building whereby the cost of restoring the 
building to its before-damaged condition would equal or exceed 50 percent of the market value of the 
building before the damage occurred.

Substantial Improvement. Any reconstruction, rehabilitation, addition, or other improvement of a 
building, the cost of which equals or exceeds 50 percent of the market value of the building before the 
"start of construction" of the improvement. Substantial improvement includes buildings that have incurred 
"substantial damage," regardless of the actual repair work performed. The term does not, however, 
include either any project for improvement of a building to correct existing state or local code violations or 
any alteration to a "historic building," provided that the alteration will not preclude the building's continued 
designation as a "historic building."

Suspension. FEMA's removal of an NFIP participating community from the Program because the 
community has not enacted and/or enforced the proper floodplain management regulations required for 
participation.

Tentative Rates. Unpublished NFIP rates used to issue policies for applications that fail to provide the 
NFIP with valid actuarial rating information.

Travel Trailer. Under the NFIP, a travel trailer can be considered a building only if it is without wheels, 
built on a chassis and affixed to a permanent foundation, and regulated under the community's floodplain 
management and building ordinances or laws.

2- to 4-Family Residence. A residential building (excluding hotels and motels with normal room rentals 
for less than 6 months' duration) containing no more than four dwelling units. Incidental occupancies such 
as office, professional, private school, or studio space are permitted if the total area of such occupancies 
is limited to less than 25 percent of the total floor area within the building.

Underground Building. A building for which 50 percent or more of the actual cash value, including 
machinery and equipment that are part of the building, is below ground.

Unfinished Area. An enclosed area that is used only for the parking of vehicles, building access, or 
storage purposes and that does not meet the definition of a finished (habitable) area. Sheet-rock (drywall) 
used for fire protection is permitted in unfinished areas.

Unit. A single-family unit owned by the policyholder in a condominium building.

Valued Policy. A policy in which the insured and the insurer agree on the value of the property insured, 
that value being payable in the event of a total loss. The Standard Flood Insurance Policy is not a valued 
policy.

Variance. A grant of relief by a participating community from the terms of its floodplain management 
regulations.
Waiting Period. The time between the date of application and the policy effective date.

Walled and Roofed. A building that has two or more exterior rigid walls and a fully secured roof and that 
is affixed to a permanent site.

Wave Height Adjustment. A measurement that is added to the base flood elevation for V Zones shown 
on the Flood Insurance Rate Map published prior to 1981. For coastal communities, the base flood 
elevation shown on Flood Insurance Rate Maps published prior to 1981 are still-water elevations, which 
include 


only the effects of tide and storm surge, and not the height of wind-generated waves.

Write Your Own (WYO) Program. A cooperative undertaking of the insurance industry and the Federal 
Emergency Management Agency begun in October 1983. The WYO Program operates within the context 
of the NFIP and involves private insurance carriers who issue and service National Flood Insurance 
Program policies.

Zone. A geographical area shown on a Flood Hazard Boundary Map or a Flood Insurance Rate Map that 
reflects the severity or type of flooding in the area.




INDEX





	A

ABOVE GROUND BUILDING, PRINCIPALLY	GR 2, DEF 7
ACT	REF 1, GR 6, DEF 1
ACTUAL CASH VALUE (ACV)	DEF 1
ADDITIONS AND EXTENSIONS
  (TO BUILDING)	GR 4, RATE 16
ADJUSTER CONTROL OFFICE	CL 1, DEF 1
ALTERNATIVE RATES	RATE 21, END 2
ANCHORED	GR 2-3, DEF 1
APPLICATION	GR 11, APP 1-11,
	CONDO 8-9, PRP 4-7, DEF 1
	Binders	GR 7, DEF 1
	Flood Insurance Application Form 	APP 9-11
	Incomplete/Incorrect Applications	APP 8
	Mailing Instructions	GR 7, 11, APP 8
APPURTENANT STRUCTURE	GR 2, DEF 1
ASSESSMENT COVERAGE	CONDO 7
ASSIGNMENT OF POLICY	GR 11, MPPP 6, DEF 1

	B

BASE FLOOD	DEF 1
BASE FLOOD DEPTH	RATE  18, DEF 1
BASE FLOOD ELEVATION (BFE)	RATE  17-21,
	MAP 2, 3, DEF 1
BASEMENT	APP 1, 3, RATE 24, CERT 3, 4-5, DEF 1
BINDER	GR 7, DEF 1
BLANKET INSURANCE	DEF 1
BOATHOUSES	GR 3
BREAKAWAY WALLS	GR 4, RATE 20, DEF 1
BUILDING	GR 2-5, 6-7, APP 3-4, DEF 1
	Additions and Extensions 	GR 4, RATE 16
	Building Coverage Limits	RATE 1
	Building in the Course of Construction	GR 4,
		APP 5, DEF 2
	Buildings In More Than One Flood Zone	GR 10,
		RATE 17
	Building on Fill	PR 2
	Building Over Water	GR 3, 6
	Building Partially Underground	GR 6
	Container-Type Building	GR 6
	Contents	GR 5, 6, 7, APP 4, RATE 1, 25-28
	Elevated Building	APP 1, 3, 4, 5, 6, 7,
		RATE 19-21, DEF 3
	Floodproofed Building	RATE 30-31,CERT 3-8, DEF 4
	Manufactured (Mobile) Home/Travel Trailer	GR 2-3,
		APP 1, 4, 5, 7, RATE 15, 16, PR 1, DEF 3, 5, 9
	Section 1316	GR 6, DEF 8
	Single Building	GR 4, DEF 8
	Start of Construction	RATE 15-16, DEF 9
	Substantial Improvement	APP 5, RATE 15-16, DEF 9
	Types of Buildings	APP 1, 3-7, CONDO 6, 8
BUILDING DIAGRAMS 1-8	LFG 4-7, CERT 18-19
BUILDING DRAWINGS	LFG 8-59
BUILDING OCCUPANCY	GR 4-5

	C

CANCELLATION/NULLIFICATION	CONDO 8, PRP 2,
	MPPP 6, CN 1-10, DEF 2, 6
	Cancellation/Nullification Request Form	CN 9-10
	Form Completion	CN 6-7
	Reason Codes for Cancellation/Nullification	CN 1-6
	Refunds	CN 1-6, 7
CERTIFICATIONS	CERT 1-19
CISTERNS	GR 3, 5, DEF 2
CLAIMS	CL 1-2
	Increased Cost of Compliance (ICC) Claims	CL 2
	Insured's Responsibilities	CL 1
	Producer's Responsibilities	CL 1, 2
	Single Adjuster Program	CL 1-2, DEF 8
	Training	CL 2
CLAIMS COORDINATING OFFICE (CCO)	CL 1-2, DEF 2
CLOSED BASIN LAKE	CN 6, DEF 2
COASTAL BARRIER	DEF 2
COASTAL BARRIER RESOURCES
  SYSTEM (CBRS)	CBRS 1-12, DEF 2
	Coastal Barrier Improvement Act 
	   of 1990 (CBIA)	CBRS 1, DEF 2
	Coastal Barrier Resources Act
		of 1982 (CBRA)	GR 1, CBRS 1, DEF 2
	 List of CBRS Communities	CBRS 3-12
COASTAL HIGH HAZARD AREA	RATE 29-30, DEF 2
COINSURANCE	CONDO 7, DEF 2
COMMERCIAL CONTENTS	GR 5, CONDO 2
COMMISSION, PRODUCER'S	GR 11, CONDO 7, CN 8
COMMON INTERIOR WALLS	GR 4
COMMUNITY (See also PROBATION and
  SUSPENSION)	GR 1, APP 2-3, DEF 2
	Community Eligibility	GR 1
	Community Number	APP 3, DEF 2
	Community Status	APP 3
	Non-Participating Community	GR 1, APP 3
	Participating Community	GR 1, DEF 7
	Regular Program Community	DEF 8
COMMUNITY RATING SYSTEM (CRS)	CRS 1-28, DEF 2
CONDOMINIUM ASSOCIATION	CONDO 1-2, DEF 2
CONDOMINIUMS	CONDO 1-31, DEF 2
CONTACT INFORMATION, NFIP	REF 3-6
CONTENTS	GR 5, 6, 7, APP 4, RATE 1, 25-28
CONSTRUCTION DATA	APP 4-6
CONTINUOUS LAKE FLOODING	CN 6
COOPERATIVES	GR 5
COUNTYWIDE MAP	MAP 1, DEF 3
COURSE OF CONSTRUCTION	GR 4, APP 5,
DEF 2
COVERAGE	GR 9-10, RATE 1-10, CONDO 6-7, 8-9,
PRP 3, MPPP 3-4, END 1
	Additional Coverage or Increase in Coverage	END 1
	Amount of Insurance Available	RATE 1
	Building Coverage	GR 2-5, 6-7, RATE 1,
	CONDO 8, PRP 3
	Contents Coverage	GR 5, 6, 7, APP 4, RATE 1,
	CONDO 9, PRP 3
	Contents-Only Coverage	RATE 55, PRP 1, 2, 3
	Limits of Coverage	GR 9-10, RATE 1,
CONDO 6-7, 8-9, PRP 3, MPPP 3-4
	Reduction or Reformation/Removal
	   of Insurance	GR 10, END 1, MPPP 5, PR 1
CRAWL SPACE	RATE 24, CERT 2, LFG 1
CREDIT CARD PAYMENT	APP 6, 7, REN 1, 8, MAP 4
CREDIT CARD PAYMENT FORM	REN 1, 8

	D

DATE OF CONSTRUCTION	APP 4-5, RATE 15
	DEF 3
DECLARATIONS PAGE	MPPP 4-5, DEF 3
DEDUCTIBLE BUYBACK	RATE 12, DEF 3
DEDUCTIBLE FACTORS	RATE 13, CONDO 22
DEDUCTIBLES	GR 9, APP 4,  RATE 12, 13, 17,
	CONDO 7, 22, PRP 2, MPPP 5, END 2
DEFINITIONS	DEF 1-10
DESCRIBED LOCATION	DEF 3
DIAGRAM NUMBER	DEF 3
DIRECT PHYSICAL LOSS BY OR FROM FLOOD	DEF 3
DIRECT PROGRAM	REF 2, 3, GR 11,
	APP 8, CONDO 7
DISASTER ASSISTANCE	GR 2, APP 2, PRP 4
DOUBLEWIDE MANUFACTURED (MOBILE)
  HOME	APP 1, DEF 3
DUPLICATE POLICIES	CN 2, 5
DWELLING 	DEF 3
DWELLING FORM (See also STANDARD FLOOD
  INSURANCE POLICY)	GR 1, CONDO 8, POL 1, 2-21

	E

EFFECTIVE DATE	GR 7-9, PRP 1, REN 2
ELEVATED BUILDING (See also LOWEST FLOOR GUIDE)	
	APP 1, 3, 4, 5, 6, 7, RATE 19-21, DEF 3
ELEVATION CERTIFICATE	APP 5-6, LFG 1, 3-7,
	CERT 1-3, 9-19
ELEVATION DIFFERENCE	RATE 17-19, 30
ELIGIBLE BUILDINGS	GR 2-5, CONDO 6
ELIGIBLE COMMUNITY (See PARTICIPATING
  COMMUNITY)
ELIGIBLE CONTENTS	GR 5, 6
EMERGENCY PROGRAM	GR 1, RATE 1, DEF 3
ENCLOSED AREA	APP 3, LFG 1-2
ENCLOSURE/ENCLOSED AREA (See also LOWEST
  FLOOR GUIDE)	APP 1, 3, RATE 19-20,
LFG 1-2, 3, 5, 7, DEF 3
ENDORSEMENT	GR 9, CONDO 8,
PRP 2, MPPP 6, END 1-14, PR 1
	Endorsement Processing Prior to Policy Renewal	END 3
	Endorsement Rules: Changing Deductibles	END 2
	Endorsement Rules: Conversion of Standard Rated
	  Policy to PRP Due to Misrating or Map Revision	END 2
	Endorsement Rules: Correcting Property Address	END 2
	Endorsement Rules: Coverage Endorsements	END 1
	Endorsement Rules: Misrated Policy	END 2
	Endorsement Rules: Rating Endorsements	END 1-2
	Endorsements During Renewal Cycle	REN 2
	General Change Endorsement Form	END 13-14
	Preparation of Form	END 3-4
	Rating Examples	END 5-12
	Refund Processing	END 3-4
EQUIPMENT (See MACHINERY AND EQUIPMENT)
EROSION	DEF 3
ERRORS, RATING	END 1-2
EVIDENCE OF INSURANCE	GR 7
EXPENSE CONSTANT	DEF 3

	F

FEDERAL LAND	GR 1
FEDERAL POLICY FEE	RATE 12, 17,
	CONDO 7, MPPP 5, DEF 3
FEMA	REF 1, RATE 21, 30, CL 1, 2, RL 1,
	DEF 1, 2, 3, 4, 5, 6, 7, 9, 10
FHBM (See FLOOD HAZARD BOUNDARY MAP)
FICO (See FLOOD INSURANCE CLAIMS OFFICE)
FINANCIAL ASSISTANCE/SUBSIDY 
  ARRANGEMENT	MPPP 2, 6, DEF 3
FINISHED (HABITABLE) AREA	DEF 3
FINISHED BASEMENT	APP 1
FIRM (See FLOOD INSURANCE RATE MAP)
FIRM ZONES	MAP 2
FLOOD	DEF 3-4
FLOOD DISASTER PROTECTION
  ACT OF 1973	MPPP 1, 3
FLOOD HAZARD BOUNDARY MAP (FHBM)	GR 1,
	MAP 1, 2, 4-5, 7, DEF 4
FLOOD INSURANCE CLAIMS OFFICE (FICO)	CL 1,
	DEF 4
FLOOD INSURANCE RATE MAP (FIRM)	GR 1,
	CERT 2, MAP 1, 3, 4-5, 6, DEF 4
FLOOD MAP "GRANDFATHERING"	RATE 21-23,
	PRP 1, DEF 4
FLOOD MAPS	GR 1, MAP 1-7
	Changing or Correcting a Flood Map	MAP 3
	Countywide Map	MAP 1, DEF 3
	FEMA Map Assistance Center	MAP 3
	FEMA Map Service Center	REF 4, MAP 4, 5
	"FIRMettes"	MAP 4
	Letter of Map Amendment (LOMA) 	MAP 3, DEF 5
	Letter of Map Revision (LOMR) 	MAP 3 DEF 5
	Locating a Specific Property	MAP 2-3
	Map "Grandfather" Rules	RATE 21-23, PRP 1, DEF 4
	Map Panel Number 	MAP 1
	Map Revision	PRP 2, 3, END 2, MAP 3, 4, DEF 6
	Map Zones (Flood Zones) 	MAP 2
	Ordering Information and Prices	MAP 4, 5
	Physical Map Revision		MAP 3
FLOOD VENTS (See PROPER OPENINGS)
FLOOD RESPONSE OFFICE (FRO)	DEF 4
FLOODPLAIN	DEF 4
FLOODPLAIN MANAGEMENT	DEF 4
FLOODPROOFING	APP 6, RATE 30-31, CERT 3-8, DEF 4
FLOODPROOFING CERTIFICATE FOR
  NON-RESIDENTIAL STRUCTURES	CERT 7-8
FLOODPROOFING CERTIFICATE,
  RESIDENTIAL BASEMENT	CERT 5-6
FORCED PLACEMENT (MANDATORY PURCHASE)	
	GR 2, MPPP 2, CN 2, DEF 5
FREEBOARD	DEF 4

G

GARAGES	GR 2, LFG 1
GENERAL CHANGE ENDORSEMENT
  (See ENDORSEMENT)
GENERAL PROPERTY FORM (See also STANDARD
  FLOOD INSURANCE POLICY)	GR 1, POL 1, 22-40
GENERAL RULES	GR 1-11
GRADE ELEVATION	DEF 4
"GRANDFATHERING" (See FLOOD MAP
  "GRANDFATHERING") 
GROUP FLOOD INSURANCE 	GR 2, DEF 4

	H

HABITABLE AREA (See FINISHED AREA)
HISTORIC BUILDING	RATE 15, DEF 4-5
HIGH-RISE BUILDING	CONDO 6, DEF 4
HOMELAND SECURITY, U.S. DEPARTMENT OF	REF 1, DEF 3

I

ICC (See INCREASED COST OF COMPLIANCE)
INCIDENTAL OCCUPANCY	GR 5
INCREASED COST OF COMPLIANCE (ICC) COVERAGE	 
	GR 9-10, RATE 14, 17, CONDO 21, MPPP 1, CL 2, DEF 5
INELIGIBLE COMMUNITY (See NON-PARTICIPATING 
  COMMUNITY)
INELIGIBLE PROPERTY	GR 6-7
INFLATION FACTOR	GR 9, REN 1
INSECT SCREENING (BELOW LOWEST ELEVATED 
FLOOR)	RATE 7, 20, CONDO 19

	L

LAPSE IN COVERAGE	REN 1-2
LATTICE (BELOW LOWEST ELEVATED FLOOR)	
	RATE 7, 20, 46, CONDO 19
LETTER OF DETERMINATION REVIEW (LODR)	
	CN 5, DEF 5
LETTER OF MAP AMENDMENT 
  (LOMA)	PRP 2, END 2, CN 1, 5-6, MAP 3, DEF 5
LETTER OF MAP REVISION 
  (LOMR)	PRP 2, END 2, CN 1, 5-6, MAP 3, DEF 5
LOSS HISTORY	PRP 1, RL 1
LOSS IN PROGRESS	DEF 5
LOWEST ADJACENT GRADE	DEF 5
LOWEST FLOOR	APP 6, RATE 17-21, LFG 1-59, DEF 5
	Building Diagrams 1-8	LFG 4-7, CERT 18-19
	Building Drawings 	LFG 8-59
	Lowest Floor Determination	LFG 1-7
	Lowest Floor Elevation	APP 6, RATE 17-21, DEF 5
LOWEST FLOOR GUIDE	LFG 1-59
LOW-RISE BUILDING 	CONDO 6, DEF 5

	M

MACHINERY AND EQUIPMENT	RATE 19-20,
	LFG 1, 2, CERT 2
MANDATORY PURCHASE (FORCED PLACEMENT)	 
	GR 2, MPPP 2, CN 2, DEF 5
MANUFACTURED (MOBILE) HOMES/
  TRAVEL TRAILERS	GR 2-3, APP 1, 4, 7, PR 1,
	DEF 3, 5, 9
	Date of Construction	APP 5, RATE 15
	Doublewide	APP 1, DEF 3
MANUFACTURED (MOBILE) HOME PARK OR
  SUBDIVISION	DEF 5- 6
MAP "GRANDFATHERING" (See FLOOD MAP 
	"GRANDFATHERING")
MAPS (See FLOOD MAPS)
MEAN SEA LEVEL (See NATIONAL GEODETIC
  VERTICAL DATUM [NGVD])
MISCELLANEOUS RULES	GR 11
	Application Submission	GR 11
	Assignment of Policy	GR 11
	Commission, Producer's	GR 11
	Delivery of Policy	GR 11
	Policy Term	GR 11
MITIGATION	RL 1
MODULAR BUILDING	DEF 6
MORTGAGE PORTFOLIO PROTECTION
  PROGRAM (MPPP)	GR 2, MPPP 1-6, DEF 6
MORTGAGEE	APP 2, RATE 17, PRP 4, MPPP 1-6
MUDFLOW	DEF 6
MULTI-FAMILY RESIDENCE (DWELLING) (See 
  2-4 FAMILY RESIDENCE [DWELLING])

	N

NATIONAL FLOOD INSURANCE ACT OF 1968 (See ACT)
NATIONAL FLOOD INSURANCE PROGRAM (NFIP)	
	REF 1, DEF 6
NATIONAL GEODETIC VERTICAL DATUM (NGVD)	DEF 6
NATURAL GRADE	DEF 6
NEW CONSTRUCTION	DEF 6
NFIP BUREAU AND STATISTICAL AGENT	REF 2, 5-6,
CL 1, 2, RL 1, DEF 6
NFIP CONTACT INFORMATION	REF 3-6
NFIP SERVICING AGENT	REF 2, 3, RL 1, DEF 6
NFIP SPECIAL DIRECT FACILITY (SDF)	REF 2,
RL 1, DEF 6
NON-PARTICIPATING COMMUNITY	GR 1
NON-PAYMENT	CN 2-3
NON-RESIDENTIAL	GR 5, 7, CONDO 2, PRP 3, DEF 6
NOTICE OF LOSS	CL 1
NULLIFICATION (See CANCELLATION/NULLIFICATION)

	O

OCCUPANCY CLASSIFICATION	GR 4-5, APP 3
OTHER INSURANCE	MPPP 6, CN 2
OTHER RESIDENTIAL	GR 5, DEF 6
OTHERWISE PROTECTED AREAS	CBRS 1-2
OUT-AS-SHOWN DETERMINATION	CN 3, MAP 3, DEF 6-7
OVER WATER	GR 3, 6

	P

PAPERWORK BURDEN DISCLOSURE 
  NOTICE	REF 7, APP 11
PARTICIPATING COMMUNITY	GR 1, DEF 7
PHYSICAL MAP REVISION (PMR)	MAP 3
POLICIES AVAILABLE	GR 1-2
POLICY	DEF 7
POLICY RENEWALS	GR 9, PRP 2, MPPP 5, REN 1-8
	Credit Card Payment Form	REN 1, 8
	Endorsements During Renewal Cycle	REN 2
	Final Notice	REN 2, 3, 6-7
	Insufficient Renewal Information	REN 2
	Renewal Effective Date Determination	REN 2
	Renewal Notice	REN 1, 2, 3, 4-5
	Repetitive Loss Target Group Policies	REN 2, RL 1-5
	Waiting Period	REN 1, 2
POLICY TERM	GR 11, APP 1-2, PRP 4, MPPP 3
POLLUTANTS	DEF 7
PONDING HAZARD	DEF 7
POST-FIRM BUILDING (CONSTRUCTION)	RATE 16,
DEF 7
PRE-FIRM BUILDING (CONSTRUCTION)	RATE 15-16,
	DEF 7
PREFERRED RISK POLICY (PRP)	GR 2,
	PRP 1-7, DEF 7
	Completing PRP Application Form	PRP 4-5
	Conversion of Standard Rated Policy to PRP Due to
	  Misrating or Map Revision	PRP 2, 4
	Coverage Limits	PRP 2
	Coverage/Premium Tables	PRP 3
	Deductibles	PRP 2
	Discounts/Fees/ICC Premium	PRP 2
	Documentation	PRP 2
	Eligibility Requirements	PRP 1, 3
	Endorsements	PRP 2
	General Description	PRP 1
	PRP Form	PRP 6-7
	Renewal	PRP 2
	Replacement Cost Coverage	PRP 2
PREMIUM	RATE 16-17
	Credit Card Payment	APP 6, 7, REN 1, 8
	Credit Card Payment Form	REN 1, 8
	Premium Calculation	RATE 16-17
	Premium Discounts	CRS 1
	Premium Payment	APP 6, 7, RATE 16-17,
CONDO 9, PRP 5, MPPP 4, REN 1-2
	Prepaid Amount (Total)	DEF 7
	Prepaid Premium (Total)	DEF 7
	Presentment of Payment (Premium)	DEF 7
	Refunds	END 1-2, 3-4, CN 1-6
PREPAID AMOUNT (TOTAL) 	DEF 7
PREPAID PREMIUM (TOTAL) 	DEF 7
PRESENTMENT OF PAYMENT (PREMIUM) 	DEF 7
PRINCIPAL RESIDENCE	DEF 7
PRINCIPALLY ABOVE GROUND BUILDING	DEF 7
PROBATION	GR 1, DEF 7
PROBATION SURCHARGE (PREMIUM)	GR 1, RATE 12,
DEF 7
PROGRAM COORDINATOR, WYO	REF 2
PROOF OF INSURANCE	GR 7
PROOF OF LOSS	CL 1
PROPER OPENINGS (FLOOD VENTS)	
	LFG 1, 2, 3, 5, 7, DEF 7
PROPERTY LOCATION	APP 2-3, PRP 4-5, END 3
PROPERTY REMOVED TO SAFETY EXPENSE	DEF 7
PROVISIONAL RATING	GR 10, PR 1-5, DEF 7
	Completing the Provisional Rating Questionnaire:
	  General Directions	PR 2
	Completing the Provisional Rating Questionnaire:
	  Guidance for Determining Building Elevated on Fill	PR 2
	Eligibility Requirements	PR 1
	General Description	PR 1
	Notification Requirements	PR 1
	Provisional Rating Example	PR 4
	Provisional Rating Questionnaire	PR 3
	Reformation: Endorsement Procedure	PR 1
	Reformation: Endorsement Alternative	PR 1
	Reformation: Limitations	PR 1
	Sample Notice to Accompany
	  Provisionally Rated Policies	PR 5

R

RATE TABLES	RATE 1-14, 32, CONDO 10-22,
	PRP 3, MPPP 1, PR 3, CRS 1
RATING	GR 10, RATE 1-61, CONDO 1-31,
CERT 3, END 1-2
	Alternative Rates	RATE 21, END 2
	Amount of Insurance Available	RATE 1
	AR, AR Dual Zones	RATE 19
	Buildings in More Than One Flood Zone	GR 10,
RATE 17
	Condominiums	CONDO 1-31
	Contents Location	RATE 25-28
	Crawl Space	RATE 24
	Deductibles	RATE 12, 13, CONDO 7
	Effect of Map Revisions on Rates	RATE 21-23
	Elevation Difference	RATE 17-19
	FIRMs with Wave Heights	RATE 29-30
	Flood Map "Grandfathering"	RATE 21-23, PRP 1, DEF 4
	Floodproofed Buildings	RATE 30-31
	Key Points for Rating	RATE 17
	Optional Elevation Rating 	RATE 19
	Premium Calculation	RATE 16-17
	Provisional Rates	GR 10, PR 1-5, DEF 7
	Rate Reduction	END 1
	Rate Tables	RATE 1-14, 32, CONDO 10-22, PRP 3,
MPPP 1, PR 3, CRS 1
	Rating Error	END 1-2
	Rating Examples	RATE 17-19, 22-23, 29, 47-61,
CONDO 23-31, END 5-12, PR 4
	Rating Steps	RATE 15-16
	Re-Rating	RATE 23
	Submit-for-Rate	GR 10, RATE 23-24, DEF 9
	Tentative Rates	GR 10, RATE 21, CONDO 7, DEF 9
	V-Zone Optional Rating	RATE 23
	V-Zone Risk Factor Rating Form	RATE 31-46
RCBAP (See RESIDENTIAL CONDOMINIUM BUILDING
  ASSOCIATION POLICY)
RECREATIONAL VEHICLE	DEF 1
REFORMATION	GR 10, MPPP 5, PR 1
REFUNDS	END 1-2, 3-4, CN 1-6
REGIONAL OFFICES, NFIP	REF 5-6
REGULAR PROGRAM	GR 1, RATE 1, DEF 8
RENEWALS (See POLICY RENEWALS)
REPETITIVE LOSS	GR 4, 10, REN 2, RL 1-5, DEF 8
REPETITIVE LOSS TARGET GROUP	RL 1, DEF 8
REPLACEMENT COST	APP 4, RATE 20-21, 30,
	CONDO 7, 8, PRP 2, 5, DEF 8
RESIDENTIAL	GR 4-5, CONDO 1-2, PRP 3
RESIDENTIAL BASEMENT FLOODPROOFING
  CERTIFICATE	CERT 5-6
RESIDENTIAL CONDOMINIUM BUILDING	CONDO 1-2,
DEF 8
RESIDENTIAL CONDOMINIUM BUILDING ASSOCIATION
  POLICY (RCBAP) (See also STANDARD FLOOD
  INSURANCE POLICY) 	GR 1, 2, APP 4, CONDO 1-31,
POL 1, 42-61
	Application Form	CONDO 8-9
	Assessment Coverage	CONDO 7
	Building Type	CONDO 6, 8
	Cancellation or Endorsement of Existing 
	  Unit Owners' Dwelling Policies	CONDO 8
	Coinsurance	CONDO 7
	Commission, Producer's	CONDO 7
	Coverage, Building	CONDO 8
	Coverage, Contents	CONDO 9
	Coverage Limits	CONDO 6-7, 8-9
	Deductibles	CONDO 7, 22
	Determining Rates and Fees	CONDO 9
	Eligibility Requirements	CONDO 6
	Federal Policy Fee	CONDO 7
	Property Covered	CONDO 6
	Rate Tables	CONDO 10-22
	Rating Examples	CONDO 23-31
	Replacement Cost	CONDO 7, 8
	Tentative Rates and Scheduled Buildings	CONDO 7
ROWHOUSES/TOWNHOUSES	CONDO 6, PRP 2

	S

SCHEDULED BUILDING POLICY	GR 2, APP 1,
CONDO 7, DEF 8
SCREENING, INSECT (BELOW LOWEST ELEVATED
	FLOOR)	RATE 7, 20, CONDO 19
SECTION 1316	GR 6, DEF 8
SEPARATE BUILDING (See SINGLE BUILDING)
SFIP (See STANDARD FLOOD INSURANCE POLICY)
SHEAR WALLS	GR 4, DEF 8
SHEET FLOW HAZARD	DEF 8
SILOS	GR 3, 5
SINGLE ADJUSTER PROGRAM	CL 1-2, DEF 8
SINGLE BUILDING	GR 4, DEF 8
SINGLE-FAMILY RESIDENCE  (DWELLING)	GR 4-5,
	DEF 8
SLATS OR SHUTTERS (BELOW LOWEST ELEVATED 
	FLOOR)	RATE 7, 20, CONDO 19
SOLID PERIMETER FOUNDATION WALLS	GR 4,
RATE 20, DEF 8
SPECIAL CERTIFICATIONS	CERT 1-19
SPECIAL DIRECT FACILITY (See NFIP SPECIAL
  DIRECT FACILITY)
SPECIAL FLOOD HAZARD AREA (SFHA)	MAP 2, DEF 8
SPECIAL RATING SITUATIONS	GR 10, RATE 21-24
	Alternative Rates	RATE 21
	Buildings in More Than One 
	  Flood Zone	GR 10, RATE 17
	Crawl Space	RATE 24
	Map "Grandfather" Rules: Effect of Map Revisions
	  on Rates	RATE 21-23
	Policies Requiring Re-Rating	RATE 23
	Post-'81 V Zone Optional Rating	RATE 23
	Provisional Rates	GR 10, DEF 7
	Submit-for-Rate	GR 10, RATE 23-24, DEF 9
	Tentative Rates	GR 10, RATE 21, CONDO 7, DEF 9
STANDARD FLOOD INSURANCE POLICY (SFIP)	GR 1-2,
POL 1-61, DEF 8-9
	Agreement	POL 3, 23, 43
	Claim Guidelines in Case of a Flood	POL 21, 40, 61
	Coinsurance	POL 52
	Deductibles	POL 12, 32, 51-52
	Definitions	POL 3-5, 23-25, 43-45
	Dwelling Form	POL 2-21, DEF 8
	Exclusions	POL 11-12, 31-32, 50-51
	General Conditions	POL 12-20, 32-38, 53-59
	General Property Form	POL 22-40, DEF 8
	Liberalization Clause	POL 20, 39, 60
	Property Covered	POL 5-10, 25-30, 45-50
	Property Not Covered	POL 10-11, 30-31, 50
	Residential Condominium Building Association
	  Policy	POL 42-61, DEF 8-9
	Summary of Significant Changes, December 2000	
		POL 2, 22, 42
	What Law Governs	POL 20, 39, 60
START OF CONSTRUCTION	DEF 9
STOCK	DEF 9
SUBMIT-FOR-RATE	GR 10, RATE 23-24, DEF 9
SUBSTANTIAL DAMAGE	GR 9-10, RATE 16, DEF 9
SUBSTANTIAL IMPROVEMENT	APP 5,
	RATE 15-16, DEF 9
SUSPENSION	GR 1, DEF 9

	T

TECHNICAL ASSISTANCE	REF 2
TELEPHONE NUMBERS	REF 3-6
TENTATIVE RATES	GR 10, RATE 21, CONDO 7, DEF 9
TIMESHARES	GR 5
TOWNHOUSES/ROWHOUSES	CONDO 6, PRP 2
TRANSFER OF TITLE	GR 11
TRAVEL TRAILERS (See MANUFACTURED [MOBILE]
  HOMES/TRAVEL TRAILERS)
2-4 FAMILY RESIDENCE (DWELLING)	GR 5, DEF 9

U

UNDERGROUND BUILDING	DEF 9
UNFINISHED AREA	DEF 9
UNFINISHED BASEMENT	APP 1
UNIT	DEF 9

	V

VALUED POLICY	DEF 9
VARIANCE	DEF 9
VEHICLES AND EQUIPMENT	GR 5
V-ZONE OPTIONAL RATING	RATE 23
V-ZONE RISK FACTOR RATING FORM	RATE 31-46
	W

WAITING PERIOD	GR 7-9, MPPP 4, REN 1, 2,
PR 1, DEF 10
WALLED AND ROOFED	GR 2, DEF 10
WALLS	GR 4, RATE 20, LFG 2, 3, DEF 8
	Breakaway Walls	GR 4, RATE 20, LFG 2, 3, DEF 1
	Common Interior Walls	GR 4
	Shear Walls	GR 4, DEF 8
	Solid Perimeter Foundation Walls	GR 4, RATE 20,
	LFG 7, DEF 8
WAVE HEIGHT	APP 6, RATE 29-30, DEF 10
	Calculating Wave Height Adjustment	RATE 29, DEF 10
WHOLE DOLLAR PREMIUM	RATE 17
WIND LOSSES	CL 1-2
WRITE YOUR OWN (WYO) PROGRAM	REF 1-2, DEF 10

	Z

ZONE (See also Map Zones under FLOOD MAPS)	MAP 2,
DEF 10








1When there is a mixture of residential and commercial usage within a single building, please refer to the GR Section of the Flood Insurance Manual.
2In determining the contents indicator for "other than household contents," please refer to the RATE Section of the Flood Insurance Manual.
3All building rates are based on the lowest floor of the building.
4RCBAP must be used to insure residential condominium buildings owned by the association that are in a Regular Program community and in which at least 75% of the total floor area within the building is 
residential.  Use General Property Form if ineligible under RCBAP.
5Replacement Cost if the RC eligibility requirements are met (building only).
1When there is a mixture of residential and commercial usage within a single building, please refer to the GR Section of the Flood Insurance Manual.
2In determining the contents indicator for "other than household contents," please refer to the RATE Section of the Flood Insurance Manual.
3All building rates are based on the lowest floor of the building.
4RCBAP must be used to insure residential condominium buildings owned by the association that are in a Regular Program community and in which at least 75% of the total floor area within the building is 
residential.  Use General Property Form if ineligible under RCBAP.
5Replacement Cost if the RC eligibility requirements are met (building only).
6Enclosure, even if it is the lowest floor for rating, cannot be counted as a floor for the purpose of classifying the building as a high rise.
	U.S. Department of Homeland Security
	500 C Street SW
	Washington DC 20472





www.fema.gov

TABLE OF CONTENTS


SECTION				PAGE


	3	May 1, 2005
TABLE OF CONTENTS (Continued)


SECTION				PAGE


	v	May 1, 2005

	vii	May 1, 2005

	ix	May 1, 2005

	xi	May 1, 2005
TABLE OF CONTENTS (Continued)


SECTION				PAGE


	xiii	May 1, 2005

	xv	May 1, 2005

	xvii	May 1, 2005

	xix	May 1, 2005

	xxi	May 1, 2005

	xxii	May 1, 2005
LIST OF TABLES


SECTION/TABLE			PAGE


	xiii	May 1, 2005
LIST OF TABLES (Continued)


SECTION/TABLE			PAGE


	xiii	May 1, 2005
LIST OF ILLUSTRATIONS


SECTION/ILLUSTRATION		PAGE


	xiv	May 1, 2005
LIST OF ILLUSTRATIONS (Continued)


SECTION/ILLUSTRATION		PAGE


	xv	May 1, 2005
	REF xiv	May 1, 2005
	REF 15	May 1, 2004
	REF 16	May 1, 2005
	REF 2	October 1, 2004
	REF 18	May 1, 2005
	REF 20	May 1, 2005
	REF 21	May 1, 2005
ICC Coverage effective June 1, 1997	REF 22	May 1, 1998
	REF 15	May 1, 2005

	GR 1	May 1, 2005

ICC Coverage effective June 1, 1997	GR 17	October 1, 1997

	GR 16	May 1, 2005
ICC Coverage effective June 1, 1997	GR 19	October 1, 1997
	GR 18	May 1, 2005
	          APP 7	May 1, 2005
	          APP 10	May 1, 2005
	          APP 11	May 1, 2005
	RATE 17			May 1, 2005
ICC Coverage effective June 1, 1997	RATE 2	May 1, 
1998
		RATE 19	May 1, 2005
		RATE 21	May 1, 
2005

		RATE 23	May 1, 
2005
		RATE 24	May 1, 
2005

	RATE 26	May 1, 2005

	RATE 28		May 1, 2005
	RATE 30		May 1, 2005
	RATE 32	May 1, 2005
	RATE 34	May 1, 2005

	RATE 35 		May 1, 2005
	RATE 36	December 31, 
2000
ICC Coverage effective June 1, 1997	RATE 8	May 1, 
1998
	RATE 37		May 1, 2005
ICC Coverage effective June 1, 1997	RATE 37	May 1, 
1998
ICC Coverage effective June 1, 1997	RATE 38	May 1, 
1998
	RATE 40	       	May 1, 2005
	RATE 42	May 1, 2005
	RATE 44			May 1, 
2005
	RATE 46			May 1, 2005
	RATE 52		May 1, 2005
	RATE 54		May 1, 2005
	RATE 56		May 1, 
2005
	RATE 58		May 1, 
2005
	RATE 60		May 1, 
2005
	RATE 62		May 1, 
2005




	RATE 27	May 1, 2005

ICC Coverage effective June 1, 1997	RATE 36	October 1, 1997
	RATE 26		May 1, 2005
	RATE 29		May 1, 2005
	RATE 31		May 1, 
2005
	RATE 33	May 1, 
2005
	RATE 34		May 1, 2005
	RATE 49	May 1, 2005
	RATE 47	May 1, 2005
	RATE 48	May 1, 2005
	RATE 49	May 1, 2005
	RATE 50	May 1, 2005
	RATE 51	May 1, 2005
	RATE 52	May 1, 2005
	RATE 53	May 1, 2005
	RATE 54	May 1, 2005
	RATE 55	May 1, 2005
	RATE 56	May 1, 2005
	RATE 57	May 1, 2005

	RATE 58	May 1, 2005

	RATE 59	May 1, 2005

	RATE 60	May 1, 2005

	RATE 61	May 1, 2005
	CONDO 15	May 1, 2005
	CONDO 16	May 1, 2005

	CONDO 6	May 1, 2005

	CONDO 6	May 1, 2005
	CONDO 7	May 1, 2005

	CONDO 7	May 1, 2005
	CONDO 8	May 1, 2005
	CONDO 9	May 1, 2005

	CONDO 33	May 1, 2004
	CONDO 10	May 1, 2005

	CONDO 11	May 1, 2005

	CONDO 13	May 1, 2005

	CONDO 14	May 1, 2005

	CONDO 15	May 1, 2005

	CONDO 15	May 1, 2005

	CONDO 16	May 1, 2005

	CONDO 18	May 1, 2005

	CONDO 20	May 1, 2005

	CONDO 20	May 1, 2005

	CONDO 21	May 1, 2005

	CONDO 21	May 1, 2005

ICC Coverage effective June 1, 1997	CONDO 18	May 1, 1998

	CONDO 23	May 1, 2005

	CONDO 24	May 1, 2005

	CONDO 25	May 1, 2005

	CONDO 29	May 1, 2005

	CONDO 31	May 1, 2005

	CONDO 29	May 1, 2005

	CONDO 34	May 1, 2005
	LFG 15	May 1, 2005
	LFG 16	May 1, 2005
	LFG 3	May 1, 2005
	LFG 4	May 1, 2005
	LFG 5	May 1, 2005
	LFG 6	May 1, 2005
	LFG 7	May 1, 2005
	LFG 9	May 1, 2005
	CERT lxv	May 1, 2005
	CERT 69	May 1, 2005
	CERT 71	May 1, 2005
	CERT 72	May 1, 2005
	CERT 6	October 1, 2004

	CERT 6	May 1, 2005
	CERT 7	May 1, 2005
	CERT 8	May 1, 2005
	CERT 9	May 1, 2005
	CERT 10	May 1, 2005
	CERT 11	May 1, 2005
	CERT 12	May 1, 2005
	CERT 13	May 1, 2005
	CERT 14	May 1, 2005
	CERT 15	May 1, 2005
	CERT 16	May 1, 2005
	CERT 17	May 1, 2005
	CERT 18	May 1, 2005

	PRP 15	May 1, 2005

	PRP 16	October 1, 2004

	PRP 18	May 1, 2005

	PRP 20	May 1, 2005

	PRP 23	May 1, 2005


	PRP 24	May 1, 2005
	MPPP 23	May 1, 2005
	MPPP 1	May 1, 2005
	MPPP 22	May 1, 2005
	END xv	May 1, 2005
	END 20	May 1, 2005
	END 21	May 1, 2005
	END 4	May 1, 2005
	END 7	May 1, 2005

	END 8	May 1, 2005
ICC Coverage effective June 1, 1997	              END 9 	May 1, 1999
	END 9	May 1, 2005

END 11	December 31, 2000

	END 10	May 1, 2005
	END 11	May 1, 2005
	END 12	May 1, 2005

	END 13	May 1, 2005
	REN xiv	May 1, 2005
	REN 16	May 1, 2005

ICC Coverage effective June 1, 1997	April 30, 1996

	REN 17	May 1, 2005
	 REN 19	May 1, 2005
	REN 20	May 1, 2005
	 REN 22	May 1, 2005
	REN 23	May 1, 2005
	CN 22		May 1, 2005

	CLAIMS



	CL 17	May 1, 2005

	POL 16	May 1, 2005
18


	POL 4	May 1, 2005
Page 1 of 19

	POL 3	May 1, 2005
Page 2 of 19

	POL 6	May 1, 2005
Page 3 of 19

	POL 7	May 1, 2005
Page 8 of 19

POL 8
Page 4 of 19

	POL 10	May 1, 2005
Page 5 of 19

	POL 12	May 1, 2005

Page 6 of 19

	POL 14	May 1, 2005

Page 7 of 19

	POL 16	May 1, 2005

Page 8 of 19

	POL 17	May 1, 2005
9

Page  of 19

POL 18

Page 9 of 19

	POL 19	May 1, 2005

Page 20 of 19

POL 20

Page 10 of 19

	POL 22	May 1, 2005

Page 11 of 19

	POL 24	May 1, 2005

Page 12 of 19

	POL 26	May 1, 2005

Page 13 of 19

	POL 28	May 1, 2005

Page 14 of 19

	POL 30	May 1, 2005

Page 15 of 19

	POL 32	May 1, 2005

Page 16 of 19

	POL 34	May 1, 2005

Page 17 of 19

	POL 36	May 1, 2005
Page 18 of 19

	POL 37	May 1, 2005
38
Page 19 of 19

	POL 40	May 1, 2005


18


	POL 41	May 1, 2005


24

Page 1 of 18

	POL 23	May 1, 2005

Page 2 of 19

POL 24

Page 2 of 18

	POL 26	May 1, 2005

Page 3 of 18

	POL 28	May 1, 2005

Page 4 of 18

	POL 30	May 1, 2005

Page 5 of 18

	POL 32	May 1, 2005

Page 6 of 18

	POL 34	May 1, 2005

Page 7 of 18

	POL 36	May 1, 2005

Page 8 of 18

	POL 37	May 1, 2005

Page 9 of 19

POL 38

Page 9 of 18

	POL 39	May 1, 2005

Page 10 of 19

POL 40

Page 10 of 18

	POL 42	May 1, 2005

Page 11 of 18

	POL 44	May 1, 2005

Page 12 of 18

	POL 46	May 1, 2005

Page 13 of 18

	POL 48	May 1, 2005

Page 14 of 18

	POL 50	May 1, 2005

Page 15 of 18

	POL 52	May 1, 2005

Page 16 of 18

	POL 54	May 1, 2005

Page 17 of 18

	POL 39	May 1, 2005

Page 17 of 18

POL 55

Page 18 of 18

POL 37

Page 18 of 18

	POL 57	May 1, 2005

18


	POL 4	May 1, 2005

Page 1 of 19

	POL 44	May 1, 2005

Page 2 of 19

	POL 46	May 1, 2005

Page 3 of 19

	POL 47	May 1, 2005

Page 48 of 19

POL 48

Page 4 of 19

	POL 50	May 1, 2005

Page 5 of 19

	POL 52	May 1, 2005

Page 6 of 19

	POL 54	May 1, 2005

Page 7 of 19

	POL 56	May 1, 2005

Page 8 of 19

	POL 58	May 1, 2005

Page 9 of 19

	POL 60	May 1, 2005

Page 10 of 19

POL 50

Page 10 of 19

	POL 62	May 1, 2005

Page 11 of 19

	POL 63	May 1, 2005

Page 12 of 19

	POL 65	May 1, 2005

Page 13 of 19

	POL 67	May 1, 2005

Page 14 of 19

	POL 69	May 1, 2005

Page 15 of 19

	POL 71	May 1, 2005

Page 16 of 19

	POL 73	May 1, 2005

Page 17 of 19

	POL 75	May 1, 2005

Page 18 of 19

	POL 76	May 1, 2005

Page 18 of 19

POL 59
	MAP 17	May 1, 2005
	MAP 19	May 1, 2005
	MAP 22	May 1, 2005
	MAP 24	May 1, 2005











COASTAL BARRIER RESOURCES SYSTEM
LIST OF COMMUNITIES

ICC Coverage effective June 1, 1997	CBRS xiv	October 1, 1997
	CBRS 1	May 1, 2005
ICC Coverage effective June 1, 1997	CBRS 1	October 1, 1997

	CBRS 2	May 1, 2005

	CBRS 2	May 1, 2005
	CRS 24		May 1, 2005
	CRS 25	October 1, 
2001

COMMUNITY RATING SYSTEM
ELIGIBLE COMMUNITIES

1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs.
2Increase in discount for Classes 1-6 effective May 1, 2001.  See table on page CRS 1.
3Status:  C = Current, R = Rescinded

	CRS 26	May 1, 2005
1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs.
2Increase in discount for Classes 1-6 effective May 1, 2001.  See table on page CRS 1.
3Status:  C = Current, R = Rescinded

	CRS 28	May 1, 2005

COMMUNITY RATING SYSTEM
ELIGIBLE COMMUNITIES

1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs.
2Increase in discount for Classes 1-6 effective May 1, 2001.  See table on page CRS 1.
3Status:  C = Current, R = Rescinded

	CRS 30	May 1, 2005
1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs.
2Increase in discount for Classes 1-6 effective May 1, 2001.  See table on page CRS 1.
3Status:  C = Current, R = Rescinded

	CRS 32	May 1, 2005
1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs.
2Increase in discount for Classes 1-6 effective May 1, 2001.  See table on page CRS 1.
3Status:  C = Current, R = Rescinded

	CRS 42	May 1, 2005
1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs.
2Increase in discount for Classes 1-6 effective May 1, 2001.  See table on page CRS 1.
3Status:  C = Current, R = Rescinded

	CRS 46	May 1, 2005
1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs.
2Increase in discount for Classes 1-6 effective May 1, 2001.  See table on page CRS 1.
3Status:  C = Current, R = Rescinded

	CRS 54	May 1, 2005
	RL xxv		May 1, 2005
	RL 3		May 1, 2003
	U.S. Department of Homeland Security
	500 C Street SW
	Washington, DC 20472






www.fema.gov

	RL 31	May 1, 2005
	RL 29		May 1, 2005
	U.S. Department of Homeland Security
	500 C Street SW
	Washington, DC 20472






www.fema.gov

	RL 30		May 1, 2005

	RL 32		May 1, 2005
	DEF xiv	May 1, 2005
	DEF 15	May 1, 2004
	DEF 22	May 1, 2005
	IND 20	May 1, 2005