U.S. Department of Homeland Security 500 C Street SW Washington, DC 20472 www.fema.gov February 2012 Dear NFIP Flood Insurance Manual Subscriber: Revisions have been made to the NFIP Flood Insurance Manual that will become effective May 1, 2012. All of the changes are shown on the enclosed amended pages, and related footers have been modified to reflect the May 1, 2012, effective date. Significant revisions include the following: • Updated list of the NFIP Bureau and Statistical Agent Regional Offices (REF section). • Clarification on renewals with deductible reduction (GR and RATE sections). • Additional guidance on the RCBAP photograph requirement (CONDO section). • Clarifications on Rating Endorsements, Misrated Policies, and Property Address Corrections (END section). • Updated list of Community Rating System Eligible Communities (CRS section). Thank you for your continued support of the NFIP. Sincerely, Edward L. Connor Deputy Associate Administrator for Federal Insurance Enclosure Change Record Page Effective Date: May 1, 2012 Updates to the NFIP Flood Insurance Manual are distributed semiannually. Each change is highlighted by a vertical bar in the margin of the page. The effective date of each page is shown in the bottom right corner. Pages bearing the new effective date but no change bar simply indicate that text has shifted from one page to another. Please keep this Change Record Page in your manual for reference. __________________________________________________________ Remove Insert vii–viii vii–viii REF 3–6 REF 3–6 GR 11–12 GR 11–12 RATE 11–12, 21–22, 25–30 RATE 11–12, 21–22, 25–30 CONDO 7–8 CONDO 7–8 LFG 5–8, 17–22, 39–40, 45–46 LFG 5–8, 17–22, 39–40, 45–46 CERT 25 CERT 25 END 1–4 END 1–4B CRS 3–30 CRS 3–31 IND 1–4 IND 1–4 Table of CONTENTS (continued) section PAGE vii May 1, 2012 E. Eligibility. . MPPP 2 F. Source of Offering. . MPPP 2 G. Dual Interest. . MPPP 2 H. Term of Policy. . MPPP 2 I. Coverage Offered. . MPPP 3 J. Policy Form. . MPPP 3 K. Waiting Period. . MPPP 3 L. Premium Payment. . MPPP 3 M. Underwriting – Application. . MPPP 3 N. Rates . . MPPP 3 O. Policy Declarations Page Notification Requirements. . MPPP 3 P. Policy Reformation – Policy Correction. . MPPP 4 Q. Coverage Basis – Actual Cash Value or Replacement Cost . . MPPP 4 R. Deductible . . MPPP 4 S. Federal Policy Fee. . MPPP 4 T. Renewability. . MPPP 4 U. Cancellations . . MPPP 4 V. Endorsement. . MPPP 4 W. Assignment to a Third Party. . MPPP 4 X. Article XIII – Restriction on Other Flood Insurance. . MPPP 4 Y. Participating WYO Companies . . MPPP 5 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 . . END 2 E. Changing Deductibles . . END 3 F. Property Address Corrections. . END 3 II. ENDORSEMENT PROCESSING PRIOR TO POLICY RENEWAL (NFIP DIRECT BUSINESS ONLY). . END 3 A. During the Last 90 Days of Policy Year. . END 3 B. During the Last 75 Days of Policy Year. . END 3 C. Refunds Generated from Endorsement Processing . . END 4 III. PREPARATION OF FORM. . END 4 A. General Instructions . . END 4 B. Refund Processing Procedures. . END 4 IV. ENDORSEMENT RATING EXAMPLES. . END 5 POL ICY RENEWAL S. REN 1 I. GENERAL INFORMATION. . REN 1 II. RENEWAL NOTICE. . REN 1 A. Renewing for the Same Coverage – Option A. . REN 1 B. Inflation Factor – Option B. . REN 1 C. Nonrenewal and Cancellation . . REN 1 III. PREMIUM PAYMENT DUE. . REN 1 IV. FINAL NOTICE. . REN 2 MORTGAGE PORTFOL IO PROTECTION PROGRAM (continued) Table of CONTENTS (continued) section PAGE viii May 1, 2011 V. RENEWAL EFFECTIVE DATE DETERMINATION. . REN 2 VI. INSUFFICIENT RENEWAL INFORMATION. . REN 2 VII. ENDORSEMENTS DURING RENEWAL CYCLE . . REN 2 VIII. SEVERE REPETITIVE LOSS PROPERTIES. . REN 2 IX. Transfer of Busines at Renewal . . REN 2 CANCELA TION/NULL IFICATION. CN 1 I. PROCEDURES AND VALID REASONS. . CN 1 A. Refund Processing Procedures. . CN 1 B. Valid Reason Codes for Cancellation/Nullification of NFIP Policies. . CN 1 II. COMPLETING THE CANCELLATION/ NULLIFICATION REQUEST FORM. . CN 7 A. Current Policy Number. . CN 7 B. Policy Term. . CN 7 C. Agent Information . . CN 7 D. Insured Mailing 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 CLA IMS . CL 1 I. INSURED’S RESPONSIBILITIES. . CL 1 A. Filing a Claim. . CL 1 B. Appealing a Claim. . CL 1 II. AGENT’S/PRODUCER’S RESPONSIBILITIES. . CL 3 III. SINGLE ADJUSTER PROGRAM IMPLEMENTATION. . CL 3 A. Schedule and Notification . . CL 3 B. Training. . CL 4 C. Agent/Producer Responsibilities. . CL 4 IV. INCREASED COST OF COMPLIANCE (ICC) CLAIMS. . CL 4 POL ICY. POL 1 Dweling form . . POL 3 General Property form . . POL 25 Residential Condominium Building Association policy . . POL 45 POL ICY RENEWAL S (continued) GR 11 May 1, 2012 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 at or before closing. The rules provided in subsection A. Receipt Date must be used. The insurer may rely on an agent’s/producer’s representation on the endorsement that the loan exception applies unless there is a loss during the first 30 days after the endorsement effective date. In that case, the insurer must obtain documentation of the loan transaction, such as settlement papers, before adjusting the loss. 13. Endorsement – 1-Day Waiting Period (Map Revision) The first increase in coverage requested during the 13-month period beginning on the effective date of a map revision shall be effective 12:01 a.m., local time, the day after the endorsement date and presentment of the additional premium. This rule applies only where the FHBM or FIRM is revised to show the building to be in an SFHA when it had not been in an SFHA. The rules provided in subsection A. Receipt Date must be used. 14. Renewal with Inflation Increase Option The 30-day waiting period does not apply when an additional amount of insurance is requested at renewal time that is no more than the amount of increase recommended by the insurer on the renewal bill to keep pace with inflation. If a revised renewal offer results from an endorsement that increases coverage more than the previously offered inflation increase option and becomes effective at least 30 days before renewal, the revised limits will apply at policy renewal. The revised renewal offer must be generated at least 30 days before the policy renewal in order for these revised limits to take effect at renewal. In either situation, the increased amount of coverage will be effective at 12:01 a.m. on the date of policy renewal provided the premium for the increased coverage is received before the expiration of the grace period. 15. Renewal with Higher PRP Limits The 30-day waiting period does not apply to a renewal offer to the insured for the next-higher limits available under the PRP. 16. Renewal with Deductible Reduction The deductible amount may be reduced at the time of renewal. In order for the deductible reduction to take effect on the renewal date, the request and full premium must be received at least 30 days prior to the renewal effective date, except when the deductible reduction is part of the renewal offer and the renewal offer reflecting the deductible reduction was made at least 30 days prior to the renewal date. IX. COVERAGE A. Limits of Coverage Coverage may be purchased subject to the limits available under the Program phase in which the community is participating. Duplicate policies are not allowed. See the Rating section of this manual for additional information regarding coverage limits. B. Deductibles Deductibles apply separately to building coverage and to contents coverage. See the Rating section of this manual for deductible options and factors. C. Coverage D – Increased Cost of Compliance (ICC) Coverage 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)]. ICC coverage is mandatory for all SFIPs, except that coverage is not available for: 1. Policies issued or renewed in the Emergency Program. 2. Condominium units, including townhouse/ rowhouse condominium units. (The condominium association is responsible for complying with mitigation requirements.) 3. Group Flood Insurance Policies. 4. Appurtenant structures, unless covered by a separate policy. ICC coverage contains exclusions in addition to those highlighted here. See the policy for a list of exclusions. To be eligible for claim payment under ICC, a structure must: • • Be a repetitive loss structure as defined, for which the NFIP paid a previous qualifying claim, in addition to the current claim. The state or community must have a cumulative, substantial damage provision or GR 12 October 1, 2011 repetitive loss provision in its floodplain management law or ordinance being enforced against the structure; or • • Be a structure that has sustained substantial flood damage. The state or community must have a substantial damage provision in its floodplain management law or ordinance being enforced against the structure. The ICC Premium is not eligible for the deductible discount. First calculate the deductible discount, then add in the ICC Premium for each policy year. D. Reduction of Coverage Limits or Reformation In the event that the premium payment received is not sufficient to purchase the amounts of insurance requested, the policy shall be deemed to provide only such insurance as can be purchased for the entire term of the policy for the amount of premium received. With 2 exceptions, where insufficient premium or incomplete rating information is discovered after a loss, the complete provisions for reduction of coverage limits or reformation are described in: • • Dwelling Form, section VII, paragraph G. • • General Property Form, section VII, paragraph G. • • Residential Condominium Building Association Policy (RCBAP), section VIII, paragraph G. The property must be insured using the correct SFIP form in order for these 2 exceptions to apply. The 2 exceptions are following and apply only when after a loss it is discovered that the premium is insufficient to provide the coverage requested, or there is critical rating information missing that is necessary to properly rate the policy: 1. Any additional premium due will be calculated prospectively from the date of discovery; and 2. The automatic reduction in policy limits is effective the date of discovery. This will provide policyholders with the originally requested limits at the time of a claim arising before the date of discovery without paying any additional premium. Policyholders will then have 30 days to pay the additional premium that is due for the remainder of the policy term, to restore the originally requested limits without a waiting period. If additional information is needed, policyholders will have 60 days to obtain the additional information, and then 30 days to pay the additional premium due for the remainder of the term, to restore the originally requested limits without a waiting period. In addition, payment of the claim will not be delayed because of additional information needed to calculate the correct payment. If a claim occurs after the notice requesting additional information or additional premium due is sent to the policyholder, that claim cannot be processed with the originally requested amount of coverage limits until the information, if required, and the premium are received by the company within the required time. However, all claim payments will be based on the coverage limitations provided in accordance with the correct flood zone for the building location and not on the zone shown on the flood policy if it is in error. For example, if a policy for a Post-FIRM, elevated building is written incorrectly in a non-SFHA (e.g., Zone X), and at the time of the loss the property is determined to be located in an SFHA (e.g., Zone AE), then the claim is paid in accordance with the coverage limitations applicable to the SFHA. NOTE: When coverage is issued using an incorrect SFIP form, the policy is void and the coverage must be written under the correct form. The provisions of the correct SFIP form apply. The coverage limits must be reformed according to the provisions of the correct SFIP form and cannot exceed the coverage limits originally issued under the incorrect policy. E. Loss Assessments The Dwelling Form provides limited coverage for loss assessments against condominium unit owners for flood damage to common areas of any building owned by the condominium association. The RCBAP and General Property Forms do not provide assessment coverage. The Dwelling Form provides assessment coverage only under the circumstances, and to the extents, described below. 1. No RCBAP a. If the unit owner purchases building coverage under the Dwelling Form and there is no RCBAP, the Dwelling Form responds to a loss assessment against the unit owner for damages to common areas, up to the building coverage limit under the Dwelling Form. b. If there is damage to building elements of the unit as well, the building coverage limit under the Dwelling Form may not be exceeded by the combined settlement of unit building damages, which would apply first, and the loss assessment. 2. RCBAP Insured to at Least 80% of the Building Replacement Cost RATE 11 October 1, 2011 TABLE 6. TENTATIVE RATES TABLE1 RATES PER $100 OF COVERAGE (Basic/Additional) FIRM Zones A, AE, A1–A30, AO, AH RATES BUILDING TYPE BUILDING CON TEN TS Non-Elevated, No Basement Basic Limits Additional Limits Basic Limits Additional Limits 1–4 Family 4.00 3.00 6.00 4.00 Other Residential 6.00 4.00 6.00 4.00 Non-Residential 6.00 4.00 8.00 8.00 Non-Elevated with Basement/ Elevated Building2 Basic Limits Additional Limits Basic Limits Additional Limits 1–4 Family 2.00 2.00 2.00 2.00 Other Residential 3.00 3.00 2.00 2.00 Non-Residential 3.00 3.00 3.00 3.00 FIRM Zones V, V1–V30, VE RATES BUILDING TYPE BUILDING CON TEN TS Non-Elevated, No Basement Basic Limits Additional Limits Basic Limits Additional Limits 1–4 Family 8.00 8.00 11.00 11.00 Other Residential 11.00 11.00 11.00 11.00 Non-Residential 11.00 11.00 11.00 11.00 Non-Elevated with Basement/ Elevated Building2 Basic Limits Additional Limits Basic Limits Additional Limits 1–4 Family 5.00 5.00 5.00 5.00 Other Residential 7.00 7.00 5.00 5.00 Non-Residential 7.00 7.00 7.00 7.00 1 Use of this table is subject to the provisions found in the Tentative Rates subsection in this section. 2 The basement/elevated building rates should be used only if the submitted information indicates that the risk is constructed as an elevated building or has a basement as defined by the NFIP. RATE 12 May 1, 2012 TABLE 8A. STANDARD DEDUCTIBLES EMERGENCY PROGRAM REGULAR PROGRAM Flood Zone Pre-FIRM Pre-FIRM with Optional Post-FIRM Elevation Rating Post-FIRM $2,000 B, C, X, A99, D $1,000 $1,000 A, AO, AH, A1–A30, AE, V1–V30, VE, V, AR, AR/AE, AR/AH, AR/AO, AR/A1–A30, AR/A $2,000 $1,000 $1,000 III. DEDUCTIBLES As shown in Table 8A below, the NFIP standard deductible is either $1,000 or $2,000. An optional deductible amount may be applied to policies insuring properties in either Emergency Program or Regular Program communities. See Table 8B for deductible options. Refer to the Condominiums section for the RCBAP optional deductibles. A. Deductible Buyback Policyholders who wish to reduce their deductibles from the standard deductibles of $2,000 for Pre-FIRM SFHA risks may opt to purchase separate $1,000 deductibles for building and contents coverages, for an additional premium. The deductible factors provided in Table 8B must be used to calculate the deductible surcharge. For an RCBAP, use the RCBAP Deductible Factors table in the Condominiums section. B. Changes in Deductible Amount The amount of the deductible may be increased during the policy term by submitting a completed General Change Endorsement form. 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, unless the request is in connection with making, increasing, extending, or renewing a loan. The deductible amount may be reduced at the time of renewal. In order for the deductible reduction to take effect on the renewal date, the request and full premium must be received at least 30 days prior to the renewal effective date, except when the deductible reduction is part of the renewal offer and the renewal offer reflecting the deductible reduction was made at least 30 days prior to the renewal date. TABLE 7. FEDERAL POLICY FEE AND PROBATION SURCHARGE TABLE FEDERAL POLICY FEE 1 PROBATION SURCHARGE $40 $50 1 For the Preferred Risk Policy, the Federal Policy Fee is $20. RATE 21 May 1, 2012 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 agent/producer should determine the actual FIRM zone and submit a General Change Endorsement to correct the FIRM zone and premium. All corrections should be made as soon as possible within the initial policy term after an AA or AS Zone designation has been made. If the correct flood zone is not provided, no Renewal Premium Notice will be issued. C. Special Rates Certain risks may be eligible for Federal Emergency Management Agency (FEMA) Special Rates consideration. These risks include Post-FIRM high-rise residential condominium buildings, eligible under the RCBAP, where the Lowest Floor Elevation is below the BFE, unfinished, and used for building access, parking, or storage only. The other eligible risks are Post-FIRM buildings with hanging floors elevated on posts, piers, pilings, or columns and with the lowest elevated floor that is below the BFE unfinished and used for building access only. (For examples of hanging floors, refer to the Lowest Floor Guide section in this manual.) To request FEMA Special Rates, the company must submit the appropriate documentation to the NFIP Bureau and Statistical Agent along with a complete Application and Elevation Certificate. The required additional documentation includes the following: 1. For High-Rise Residential Condominium Buildings a. Recent photographs of the building (front and back), or a blueprint (layout of the building) if the building is under construction b. Elevated Building Determination Form signed by the insured c. Structural plans d. Replacement cost documents e. Value and use of the floor(s) below the BFE f. Clear pictures of interior of the floor(s) below the BFE g. List and value of machinery and equipment below the BFE 2. For Hanging Floors a. Pictures of the interior and exterior of the unfinished lowest elevated floor b. Value of the unfinished lowest elevated floor c. List and value of machinery and equipment and appliances. D. NFIP “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 following question: How does the new map affect flood insurance rates? 1. Grandfather Rules – Eligibility To recognize policyholders who have built in compliance with the FIRM and/or maintained continuous coverage, FEMA has “grandfather rules.” These rules allow such policyholders to benefit in the rating for that building. a. Built in Compliance Buildings that are built in compliance with the FIRM in effect at the time of construction are eligible for grandfathering. For elevated buildings, the lowest finished floor must be at or above the BFE. In both A and V Zones, enclosures below the BFE must be unfinished and used solely for parking, storage, or building access. For A Zones, proper openings are required (refer to the Lowest Floor Guide section for guidance for proper openings). For V Zones, the enclosures must be constructed with breakaway walls (refer to the Lowest Floor Guide section for guidance). In addition, there cannot be any machinery/equipment servicing the building below the BFE. The insured would have the option of using the current rating criteria for that property or having the premium rate determined by RATE 22 May 1, 2011 using the BFE and/or flood zone on the FIRM (old map) in effect when the building was originally constructed. b. Continuous Coverage Policyholders who have remained loyal customers of the NFIP by maintaining continuous coverage (since coverage was first obtained on the building) are eligible for grandfathering rules. This will result in a cost savings to insureds when the new map resulting from a map revision would result in a higher premium rate. When policies for buildings insured under the 2-year PRP Eligibility Extension are renewed as standard-rated policies at the end of the eligibility period, they may be rated using X-Zone rates if their previous zone was B, C, or X. If the previous zone was D, use D-Zone rates. To document continuous coverage when policies are moved from 1 insurer to another, the receiving company must obtain the immediately prior year’s policy declarations page from the previous insurer. To document continuous coverage when there is a transfer of property ownership, the new property owner or the agent/producer must obtain the immediately prior year’s policy declaration page and submit a copy with the application. 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 lowest finished floor level lower than the BFE on that FIRM. For elevated buildings, the lowest finished floor must be at or above the BFE. The enclosures must be unfinished and used solely for parking, storage, or building access. For A Zones, proper openings are required (refer to the Lowest Floor Guide section for guidance for proper openings). For V Zones, the enclosures must be constructed with breakaway walls (refer to the Lowest Floor Guide section for guidance). 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 the building was built in compliance and 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. For elevated buildings, the lowest finished floor must be at or above the BFE. The enclosures must be unfinished and used solely for parking, storage, or building access. For A Zones, proper openings are required (refer to the Lowest Floor Guide section for guidance for proper openings). RATE 25 May 1, 2012 • • 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 a lender determines that a loan on a building located in an SFHA does not have flood insurance coverage but should be covered, then the coverage is effective upon the completion of an application and presentment of premium. • • 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. H. Crawlspace A building with a “crawlspace” (under-floor space) has its interior floor area (finished or not) no more than 5 feet below the top of the next-higher floor. For the purpose of completing the Flood Insurance Application, a building with a crawlspace that is not subgrade must be described as an elevated building. If a crawlspace is below grade on all sides, and the elevation of the crawlspace floor is below the BFE, the crawlspace must be rated according to the guidelines found in the Lowest Floor Guide section. A crawlspace with its interior floor below grade on all sides is considered a basement; therefore, the SFIP basement coverage limitations apply to such crawlspaces. For the purpose of completing the Flood Insurance Application, the building must be described as a nonelevated building with subgrade crawlspace. Pre-FIRM buildings with subgrade crawlspaces that are below the BFE may use optional Post-FIRM elevation rating. Follow the Submit-for-Rate procedures when using this optional rating. RATE 26 May 1, 2012 XV. CONTENTS LOCATION A. 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 SFIP. B. 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 (including basement, if any) Basement Contents ADJACENT GROUND • • 1 Floor or • • 2 Floors • • None or • • Finished or • • Unfinished • • Lowest Floor Only Above Ground Level FINISHED BASEMENTS ADJACENT GROUND BASE FLOOD ELEVATION • • 2 Floors or • • 3 or More Floors • • Finished • • Basement Only LIMITED COVERAGE IN BASEMENT ADJACENT GROUND • • 2 Floors or • • 3 or More Floors • • None • • Lowest Floor Above Ground Level and Higher Floors FINISHED BASEMENTS ADJACENT GROUND BASE FLOOD ELEVATION • • 2 Floors or • • 3 or More Floors • • Finished • • Basement and Above LIMITED COVERAGE IN BASEMENT UNFINISHED BASEMENTS ADJACENT GROUND • • 2 Floors or • • 3 or More Floors • • Unfinished • • Basement and Above LIMITED COVERAGE IN BASEMENT On Applicati on Form RATE 27 May 1, 2012 Building Type (including basement, if any) Basement Contents ADJACENT GROUND • • 3 or More Floors • • Finished or • • Unfinished • • Lowest Floor Above Ground Level and Higher Floors ADJACENT GROUND • • 2 Floors or • • 3 or More Floors • • None or • • Finished or • • Unfinished • • Above Ground Level More Than 1 Full Floor Non -Elevated Buildings continued (contents in shaded areas) On Applicati on Form RATE 28 October 1, 2011 2. Elevated Buildings (contents in shaded areas) Building Type (including enclosure, if any) Enclosure Contents PILINGS ADJACENT GROUND Elevated building free of obstruction • • 1 floor • • None • • Lowest Floor Only Above Ground Level PILINGS ADJACENT GROUND Elevated building free of obstruction • • 2 floors • • None • • Lowest Floor Above Ground Level And Higher Floor ENCLOSURE PILINGS ADJACENT GROUND Elevated building with enclosure below lowest elevated floor • • 3 or more floors • • Unfinished • • Basement/ Enclosure and Above LIMITED COVERAGE IN ENCLOSED AREA PILINGS ADJACENT GROUND Elevated building, multiple occupancy, no enclosure • • 3 or more floors • • None • • Lowest Floor Only Above Ground Level PILINGS ADJACENT GROUND Elevated building, multiple occupancy, no enclosure • • 3 or more floors • • None • • Above Ground Level More Than 1 Full Floor ENCLOSURE PILINGS ADJACENT GROUND Elevated building, multiple occupancy, with enclosure • • 3 or more floors • • Unfinished • • Above Ground Level More Than 1 Full Floor On Applicati on Form RATE 29 May 1, 2011 XVI. FIRMS WITH WAVE HEIGHTS The agent/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 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. A. Procedure for Calculating Wave Height Adjustment The following information is needed: 1. A completed Elevation Certificate. 2. BFE from the Elevation Certificate (Item B9) or from the FIRM. 3. Lowest Adjacent Grade from Item C2.f of the Elevation Certificate completed by a registered professional engineer, architect, or surveyor. 4. 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 Χ [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. . Χ 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. . Χ 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. B. 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 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.” C. 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 RATE 30 May 1, 2012 other source, until such other data have been provided by FEMA as criteria to determine the BFEs, including wave heights. D. 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. XVII. FLOODPROOFED BUILDINGS Not all buildings are eligible for the floodproofing credit. Floodproofing and the completion of the Floodproofing Certificate are described in detail in the Special Certifications section. A. 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 unnumbered A Zones with BFE and buildings in AE, A1–A30, and AH Zones must be floodproofed to at least 1 foot higher than their BFEs. Buildings in AO Zones must be floodproofed to at least 1 foot higher than their Base Flood Depths. B. 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. CONDO 7 May 1, 2012 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 cannot be used to meet the 80% coinsurance provision of the RCBAP, and does not apply to ICC coverage or to coverage for closed basin lakes. In addition, assessment coverage cannot be used to pay a loss assessment resulting from a deductible under the RCBAP. For more information on this topic, see “E. Loss Assessments” in the General Rules section and Section III. C.3. of the Dwelling Form, “Condominium Loss Assessments,” in the Policy section. V. DEDUCTIBLES AND FEES A. Deductibles The loss deductible shall apply separately to each building and personal property covered loss, including any appurtenant structure loss. The Standard Deductible is $2,000 for a residential condominium building, located in a Regular Program community in SFHAs, 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 $1,000. Optional deductible amounts are available under the RCBAP; see Table 7 in this section. B. Federal Policy Fee The Federal Policy Fees for the RCBAP are: 1 unit . . $40 per policy 2–4 units . . $80 per policy 5–10 units . . $200 per policy 11–20 units . . $440 per policy 21 or more units . . $840 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%, will be reduced to 5% on only that portion of the premium that exceeds the figure resulting from multiplying the total number of units times $2,000. VIII. CANCELLATION OR ENDORSEMENT OF UNIT OWNERS’ DWELLING POLICIES Unit owners’ policies written under the Dwelling Form may be canceled mid-term for the reasons mentioned in the Cancellation/Nullification section of this manual. To cancel building coverage while retaining contents coverage on a unit owner’s policy, submit a general change request. In the event of a cancellation: • • The commission on a unit owner’s policy will be retained, in full, by the agent/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 policy written under the Dwelling Form or RCBAP Form 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 agent/producer should complete the entire Flood Insurance Application according to the directions in the Application section of this manual and attach 2 new photographs that show the front and back of the building and that were taken and dated within 90 days of the mailing date. The photographs must confirm the building’s description, and at least 1 photograph must clearly show the location of the lowest floor used for rating the risk. A. Type of Building For an RCBAP, the “Building” section of the Flood Insurance Application must indicate the total number of units in the building and whether the building is a high-rise or low-rise. High-rise (vertical) condominium buildings are defined as containing at least 5 units and having at least 3 CONDO 8 May 1, 2012 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 fewer than 5 units and/or fewer than 3 floors. Low-rise also includes all townhouses/rowhouses regardless of the number of floors or units, and all detached singlefamily buildings. For a Dwelling Form used to insure a condominium unit, see the Application section of this manual. B. Replacement Cost Value For an RCBAP, use normal company practice to estimate the 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 valuation report that states the value of the building, including its foundation, on an RCV basis. 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/producer must update this information and provide it to the insurer at least every 3 years. (See sample notification letter regarding updating RCV on page CONDO 9.) C. Coverage Ensure that the “Coverage and Rating” section of the Application accurately reflects the desired amount of building and contents coverage. If only building insurance is to be purchased, inform the applicant of the availability of contents insurance for contents that are commonly owned. It is recommended that the applicant initial the contents coverage section if no contents insurance is requested. (This will make the applicant aware that the policy will not provide payment for contents losses.) 1. Building Enter the amount of insurance for building, Basic and Additional Limits. Enter full Basic Limits before entering any Additional Limits. The building Basic Limit amount of insurance for high-rise condominium buildings is up to a maximum of $175,000. The building Basic Limit amount of insurance for lowrise condominium buildings is $60,000 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 non-residential) 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 purchased by the association is for only those contents items that are commonly owned. For the Basic Limits amount of insurance, up to a maximum of $25,000 may be filled in. For the Additional Limits, up to a total of $75,000 may be filled in. The total amount of insurance available for contents coverage cannot exceed $100,000. D. Rates and Fees 1. To determine rates, see the RCBAP Rate Tables on the following pages. Enter the rate for building and for contents and compute the annual premium. If an optional deductible has been selected for building and/or contents, see Table 7 in this section. 2. Enter the total premium for building and contents, adjusted for any premium change because of an optional deductible being selected. The total premium will be calculated as if the building were 1 unit. 3. Add the total premium for building and contents and enter the Annual Subtotal. 4. Add the Increased Cost of Compliance (ICC) Premium. 5. Calculate the Community Rating System (CRS) discount, if applicable. 6. Subtract the CRS discount, if applicable. 7. Add the $50 Probation Surcharge, if applicable. 8. Add the Federal Policy Fee to determine the Total Prepaid Amount. LFG 5 May 1, 2011 LFG 6 May 1, 2012 LFG 7 May 1, 2011 LFG 8 May 1, 2012 LFG 17 October 1, 2011 NON-ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES B, C, X, A99, AND D Building Description 1 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 — 2 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 category. 1 LF — Lowest Floor 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 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 “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate. LFG 18 May 1, 2012 ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES A, AO, AND AH Building Description 1 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 — 1 floor Is building elevated? — Yes Is area below the elevated floor enclosed? — No Pre-FIRM Rating5 AO Zone: Use Pre-FIRM rate table No Basement/Enclosure category. AH Zone: Use Pre-FIRM rate table No Basement/Enclosure category. A Zone with BFE2: Use Pre-FIRM rate table No Basement/Enclosure category. A Zone without BFE2: 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 of Compliance or Elevation Certificate rate. If not, use Without Certification of Compliance or Elevation Certificate rate. AH Zone: If LF1 elevation is greater than or equal to the BFE2, use With Certification of Compliance or Elevation Certificate rate. If not, use Without Certification of Compliance or Elevation Certificate rate. A Zone with BFE2: Use Post-FIRM rate table With Base Flood Elevation category. If LF1 elevation is 2 or more feet below the BFE2, submit the Application to the insurer for a rate. A Zone without BFE2: If difference between the LF1 and HAG4 is 1 foot or more, use Post- FIRM rate table No Base Flood Elevation category. If difference is 0 feet or less, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 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 “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate. LFG 19 May 1, 2012 ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES A, AO, AND AH Building Description 2 floors, including hanging floor (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 — 2 floors Is building elevated? — Yes Is area below the elevated floor enclosed? — No Pre-FIRM Rating5 AO Zone: Use Pre-FIRM rate table No Basement/Enclosure category. AH Zone: Use Pre-FIRM rate table No Basement/Enclosure category. A Zone with BFE2: Use Pre-FIRM rate table No Basement/Enclosure category. A Zone without BFE2: 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 of Compliance or Elevation Certificate rate. If not, use Without Certification of Compliance or Elevation Certificate rate. AH Zone: If LF1 elevation is greater than or equal to the BFE2, use With Certification of Compliance or Elevation Certificate rate. If not, use Without Certification of Compliance or Elevation Certificate rate. A Zone with BFE2: Use Post-FIRM rate table With Base Flood Elevation category. If LF1 elevation is 2 or more feet below the BFE2, submit the Application to the insurer for a rate. A Zone without BFE2: If difference between the LF1 and HAG4 is 1 foot or more, use Post- FIRM rate table No Base Flood Elevation category. If difference is 0 feet or less, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 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 “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate. LFG 20 October 1, 2011 ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES A, AO, AND AH Building Description 1 floor with unfinished enclosed area (see Elevation Certificate, Diagram 6) Elevating Foundation of Building Piers, posts, piles, or columns Type of Enclosure Unfinished enclosure With proper openings3 Machinery or Equipment Servicing Building With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating Top of next-higher floor (elevated floor) Application Should Show Building type — 1 floor Is building elevated? — Yes Is area below the elevated floor enclosed? — No Pre-FIRM Rating5 AO Zone: Use Pre-FIRM rate table No Basement/Enclosure category. AH Zone: Use Pre-FIRM rate table No Basement/Enclosure category. A Zone with BFE2: Use Pre-FIRM rate table No Basement/Enclosure category. A Zone without BFE2: 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 of Compliance or Elevation Certificate rate. If not, use Without Certification of Compliance or Elevation Certificate rate. AH Zone: If LF1 elevation is greater than or equal to the BFE2, use With Certification of Compliance or Elevation Certificate rate. If not, use Without Certification of Compliance or Elevation Certificate rate. A Zone with BFE2: Use Post-FIRM rate table With Base Flood Elevation category. If LF1 elevation is 2 or more feet below the BFE2, submit the Application to the insurer for a rate. A Zone without BFE2: If difference between the LF1 and HAG4 is 1 foot or more, use Post-FIRM rate table No Base Flood Elevation category. If the difference is 0 feet or less, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 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 “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate. ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES A, AO, AND AH LFG 21 October 1, 2011 Building Description 2 floors with unfinished enclosed area (see Elevation Certificate, Diagram 6) Elevating Foundation of Building Piers, posts, piles, or columns Type of Enclosure Unfinished enclosure With proper openings3 Machinery or Equipment Servicing Building With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating Lowest elevated floor Application Should Show Building type — 2 floors Is building elevated? — Yes Is area below the elevated floor enclosed? — No Pre-FIRM Rating5 AO Zone: Use Pre-FIRM rate table No Basement/Enclosure category. AH Zone: Use Pre-FIRM rate table No Basement/Enclosure category. A Zone with BFE2: Use Pre-FIRM rate table No Basement/Enclosure category. A Zone without BFE2: Use Post-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 of Compliance or Elevation Certificate rate. If not, use Without Certification of Compliance or Elevation Certificate rate. AH Zone: If LF1 elevation is greater than or equal to the BFE2, use With Certification of Compliance or Elevation Certificate rate. If not, use Without Certification of Compliance or Elevation Certificate rate. A Zone with BFE2: Use Post-FIRM rate table With Base Flood Elevation category. If LF1 elevation is 2 or more feet below the BFE2, submit the Application to the insurer for a rate. A Zone without BFE2: If difference between the LF1 and HAG4 is 1 foot or more, use Post-FIRM rate table No Base Flood Elevation category. If the difference is 0 feet or less, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 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 “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate. LFG 22 May 1, 2012 ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES A, AO, AND AH Building Description 2 floors with unfinished enclosed area (see Elevation Certificate, Diagram 8) Elevating Foundation of Building Solid foundation walls Type of Enclosure Unfinished enclosure (garage) and crawlspace No openings Machinery or Equipment Servicing Building With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating Top of bottom floor (lower of crawlspace or garage) Application Should Show Building type — 3 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 insurer for a rate. 1 LF — Lowest Floor 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 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 “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate. LFG 39 October 1, 2011 ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1–A30 Building Description 1 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 — 1 floor Is building elevated? — Yes Is area below the elevated floor enclosed? — No Pre-FIRM Rating5 Use Pre-FIRM rate table No Basement/Enclosure category. Post-FIRM Rating Use Post-FIRM rate table 1 Floor No Basement/Enclosure/Crawlspace category. If LF1 elevation is 2 or more feet below the BFE2, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 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 “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate. LFG 40 May 1, 2012 ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1–A30 Building Description Elevated on piers, posts, piles, or columns with hanging floor 2 floors, including hanging floor (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 — 2 floors Is building elevated? — Yes Is area below the elevated floor enclosed? — No Pre-FIRM Rating5 Use Pre-FIRM rate table No Basement/Enclosure category. Post-FIRM Rating Elevated buildings on posts, piers, pilings, or columns and the lowest elevated floor below the BFE2 is unfinished and used for storage or building access only, use More Than 1 Floor No Basement/Enclosure/Crawlspace category. If LF1 elevation is 1 or more feet below the BFE2, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 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 “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate. LFG 45 May 1, 2012 ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1–A30 Building Description 1 floor Mid-Level Entry with unfinished enclosure (see Elevation Certificate, Diagram 7) Elevating Foundation of Building Solid foundation walls Type of Enclosure Enclosure garage and storage area Proper openings in garage and enclosure Machinery or Equipment Servicing Building With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating Top of next-higher floor (elevated floor) Application Should Show Building type — 1 floor Is building elevated? — Yes Is area below the elevated floor enclosed? — No Pre-FIRM Rating5 Use Pre-FIRM rate table No Enclosure category. Post-FIRM Rating Use Post-FIRM rate table 1 Floor No Basement/Enclosure/Crawlspace category. If LF1 elevation is 1 or more feet below the BFE2, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 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. LFG 46 May 1, 2012 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate. ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1–A30 Building Description 2 floor Mid-Level Entry with unfinished enclosure (see Elevation Certificate, Diagram 7) Elevating Foundation of Building Solid foundation walls Type of Enclosure Enclosure garage and storage area No proper openings3 Machinery or Equipment Servicing Building With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating Floor of garage and storage area Application Should Show Building type — 2 floors Is building elevated? — Yes Is area below the elevated floor enclosed? — Yes Pre-FIRM Rating5 Use Pre-FIRM rate table With Enclosure category. Post-FIRM Rating Use Post-FIRM rate table More Than 1 Floor With Basement/Enclosure/Crawlspace category. If LF1 elevation is 1 or more feet below the BFE2, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 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. CERT 25 May 1, 2012 END 1 May 1, 2012 The National Flood Insurance Program (NFIP) General Change Endorsement form cannot be used to renew a policy, or extend or change a policy year. However, the General Change Endorsement form or a similar request with the necessary information can be used to make certain types of coverage and rating changes or corrections to existing policy data. I. ENDORSEMENT RULES A. Coverage Endorsements 1. Addition of 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 year. The additional premium is calculated pro rata for the balance of the policy year, 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 Write Your Own (WYO) Company’s standard business practice. (See Examples 1 through 4 at the end of this section.) Refer to the General Rules section for the applicable waiting period. 2. Reduction in Amount 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 5 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. If the insured has a non-NFIP policy, the coverage can be reduced to the amount of the non-NFIP policy deductible. 3. Removal of 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 6 at the end of this section.) B. Rating Endorsements 1. Rate Reduction It is not permissible to revise a policy’s rating during a policy year, due to a rate decrease, unless the effective date of the rate change is prior to the policy’s effective date. 2. Rating Adjustment NFIP rules require that the policy must be in effect in order to process refunds. Rating adjustments will be allowed for only the current year for the following situations: • • Use of the grandfather rules. The endorsement effective date is the effective date of the current policy year. • • Use of 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. • • Use of the Federal Emergency Management Agency (FEMA) Special Rates (see the Rating section). The endorsement effective date is the date that FEMA provided the rates. • • Revision of alternative rates (rates used for Pre- FIRM rated risks where the zone is unknown). The endorsement effective date is the effective date of the current policy year. • • Use of Post-FIRM rating for a Pre-FIRM building. The refund will be processed if the insured provides an Elevation Certificate (EC). The endorsement effective date is the effective date of the current policy year. • • Use of an EC on Post-FIRM buildings rated using “Without Certification of Compliance or Elevation Certificate” for zones AO and AH, or “No Elevation Certificate or No BFE” for Unnumbered A Zone. The endorsement effective date is the effective date of the current policy year. • • Use of an updated EC. The endorsement effective date is the effective date of the current policy year. 3. Revision of an Alternative Rating Alternative rating is used to determine 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 agents/producers for the rating of Pre- FIRM construction. Alternative rating allows the GENERAL CHANGE ENDORSEMENT END 2 May 1, 2012 agent/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 years, such revisions may also be made effective with the start of the policy year. 4. Map Revision A policy may be endorsed to revise the flood zone or change the Base Flood Elevation (BFE) in which a building is located to provide a more favorable rating due to a physical revision of the FIRM, a Letter of Map Amendment (LOMA), or a Letter of Map Revision (LOMR). The effective date of the endorsement to rate a policy with the current zone must be the effective date of the map revision. The following endorsement rules must be used: • • If a map revision or amendment became effective during the current policy year, the refund for the premium difference after revising the zone or BFE is prorated, using the date of the map revision or amendment as the endorsement effective date. • • If a map revision or amendment became effective in the previous policy year, a refund of the premium difference is granted for the current policy year and either the pro-rata or full portion of the previous policy year, depending on the map revision or amendment date. The endorsement effective date is the map revision or amendment date or the previous policy year inception date, whichever is later. • • If the policy has expired, the endorsement request must be received within 6 months of the expiration date; otherwise, no refund is available. Before refunding a premium for an expired term, the insurer must check with the policyholder for the existence of a current policy with another WYO Company. Under no circumstances will an insured be allowed a refund for more than 2 policy years, regardless of whether the same or different WYO Company or Companies issued the policy or policies. Before processing the endorsement, the agent/ producer should check the Flood Map Status Information Service to make sure that the LOMA or LOMR is still valid (or has been recertified) based on the most recent map revision. Also, if the revised map changes the BFE, verify that the same elevation datum is used to determine the building elevations on the EC. 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. C. Misrated Policy A flood policy can be endorsed to correct misratings. Misratings that may generate refunds include only the following errors made at the time of application: • • Building description; • • Flood zone; • • BFE; • • Community number; and • • Lowest floor used for rating. A premium refund for a misrated policy going back a maximum of 6 calendar years from the current policy year will be allowed with proper documentation (see III.B.2.a.). Any lapse in coverage is included in determining the number of years for which a premium refund is allowed. NOTE: The presentment of additional rating information (e.g., use of Post-FIRM rating for a Pre- FIRM building) or a change in the rating information (e.g., a new EC, a LOMA, or a map revision) is not considered a misrating. See subsection “B. Rating Endorsement” in this section. D. Conversion of Standard-Rated Policy to PRP Due to Misrating A policy written as a standard-rated B, C, or X Zone policy and later found to be eligible for a Preferred Risk Policy (PRP) may be endorsed or rewritten as a PRP for only the current policy year. When the risk has been misrated since the time of application with a zone other than B, C, or X but is later found to be in a B, C, or X Zone and eligible for a PRP, the insurer will be allowed to endorse or cancel/rewrite up to 6 years. The policy may be canceled/rewritten using Cancellation Reason Code 22 if both of the following conditions are met: • • The request to endorse or cancel/rewrite the policy is received during the current policy year; and • • The policy has no open claim or closed paid claim. The new PRP building coverage will be equal to either the building limit issued under the standard-rated B, C, or X Zone policy or the next-higher limit available under the PRP if there is no PRP option equal to the standardrated B, C, or X Zone building limit. For a standard-rated contents-only policy, the contents coverage will be equal to the limit issued under the standard-rated policy or the END 3 May 1, 2012 next-higher limit. If building coverage is desired, or the building and/or contents coverage requested exceeds the limits described above, the coverage should be endorsed with a 30-day waiting period. E. Changing Deductibles Increasing deductibles is permitted during the current policy year. (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, increasing, extending, or renewing a loan. The Increased Cost of Compliance (ICC) Premium is not eligible for the deductible discount or surcharge. First calculate the deductible discount or surcharge, then add in the ICC Premium. F. Property Address Corrections A flood policy may not be endorsed to change the insured property location. This includes relocation from 1 unit to another unit within the same building, and relocation of a mobile home/travel trailer to a new location. An endorsement may not be submitted when it will result in a change to the actual building to be insured, regardless of whether a loss has or has not occurred. A new Application and a new premium must be submitted, and any applicable waiting period for the SFIP to become effective will apply. The following exceptions allow for a property address correction: 1. An endorsement may be submitted to correct an erroneous property address (e.g., one made through typographical error or an Emergency 911 property address change) when it does not result in a change of the building to be insured. In the case where there are no paid or pending claims, a correction can be made without a waiver from the Federal Insurance Administrator of the requirement to submit accurate information in Section I of the SFIP. The address may be corrected in the following situations: • • The property address submitted on the Application was typed incorrectly, and the building description, coverage, and rating elements belong to the building at the address indicated on the correction endorsement; or • • The address used to describe the insured building indicated on the Application has changed with the United States Post Office; or • • A postal address is being supplied for a descriptive or legal address originally provided on the Application. 2. In a situation where there is a pending claim, and the agent/producer indicates that the address on the policy is not the correct address for the building intended to be insured, a waiver may be sought from the Federal Insurance Administrator of the requirement to submit accurate information in Section I of the SFIP in the following instances: • • The property address submitted on the Application was typed incorrectly, and the building description, coverage, and rating elements belong to the building at the address indicated on the correction endorsement, and the insured has no insurable interest in the building at the address incorrectly indicated on the application; or • • The address used to describe the insured building indicated on the Application has changed with the United States Post Office. The agent/producer must demonstrate that the building description, coverage, and rating elements belong to the building at the address indicated on the correction endorsement; or • • A postal address is being supplied for a descriptive or legal address originally provided on the Application. The agent/producer must demonstrate that the building description, coverage, and rating elements belong to the building at the address indicated on the waiver request. No pending claim on a policy requiring an address change can be paid without FEMA approval. II. ENDORSEMENT PROCESSING PRIOR TO POLICY RENEWAL (NFIP DIRECT BUSINESS ONLY) A. During the Last 90 Days of Policy Year 1. If the premium payment for renewal of the policy has not already been processed by the NFIP, a processed General Change Endorsement will produce a revised Renewal Notice for the upcoming policy year. 2. If the original Renewal Notice has not been paid, the payor may use the revised Renewal Notice or subsequent Final Notice. B. During the Last 75 Days of Policy Year 1. If the original Renewal Notice has not been paid, the agent/producer must submit the General Change Endorsement for the current policy year only and submit a renewal Application for the upcoming policy year. A separate premium payment must be submitted for each transaction. (The insured and/or mortgagee, if payor, should be advised not to pay the Renewal Notice or Final Notice when a renewal Application and premium have been submitted.) END 4 May 1, 2012 2. If the original Renewal Notice has been paid, the agent/producer must submit the General Change Endorsement together with any required additional premium for the renewal policy year and, if applicable, a separate General Change Endorsement and additional premium for the remainder of the current policy year. The effective date of the endorsement to increase coverage (up to the inflation factor) will be the “renewal date” only if the endorsement and additional premium are received within the 30-day grace period. C. 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 year, 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. III. 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 insurer. Instructions for completing the General Change Endorsement form are self-explanatory. The following items are of special note: • • The policy year cannot be changed. All calculations must reflect the policy year 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, OH 43014 The property location should be completed as: Farmhouse on the north side of U.S. 70, 6 miles west of Danville, OH 43014. • • Check whether the building was built in compliance or has had continuous coverage. If grandfathering for continuous coverage, enter the prior policy number. If the building was built in compliance, enter the applicable community identification number, map panel number, suffix, FIRM zone, and, if applicable, the BFE. • • 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. • • All endorsements, whether paper or electronic form, must be signed. Electronic transactions are permitted if the business process includes authentication of signatures and dates of receipt of premium. WYO Companies are responsible for determining the business practices and transaction authentication methods they will use to ensure the security and integrity of such transactions. • • 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/producer of record. B. Refund Processing Procedures 1. The current insurer will be responsible for returning the premium for the current and the 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 policy year. Agents/ producers submit refund requests to their insurer. 2. Requests for refunds for more than 2 policy years must be processed by the NFIP Bureau and Statistical Agent (NFIP Bureau). a. For requests processed by the NFIP Bureau, the current insurer must submit all of the documentation necessary to make a refund for any period exceeding 2 policy years. At a minimum, this documentation will consist of the following: • • The company’s statistical records or declarations pages for each policy year 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 policy year and the premium refund calculation for each policy year that the company had the policy. • • A LOMA; a LOMR; a 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 END 4a May 1, 2012 community official; an EC indicating the exact location and flood zone of the building, and signed and dated by a surveyor, an engineer, an architect, or a local community official; or a flood zone determination certification that guarantees the accuracy of the information. b. In order for the NFIP Bureau to process a refund request, the appropriate documentation must be mailed directly to: NFIP Bureau and Statistical Agent Underwriting Department 8400 Corporate Dr., Suite 350 Landover, MD 20785 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 policy years the premium refund is allowed. The NFIP Bureau will return to the sender any unauthorized refund requests for more than 2 policy years. END 4B May 1, 2012 This page is intentionally left blank. 1 For the purpose of determining CRS discounts, all AR and A99 Zones are treated as non-SFHAs. 2 Status: C = Current, R = Rescinded COMMUNITY Num ber COMMUNITY NAME CRS ENTRY Dat e CURRE NT EFFECTIVE DATE CURRE NT CLASS % DISCOUNT FOR SFHA1 % DISCOUNT FOR NON-SFHA STATUS2 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 05/1/12 6 20 10 C 010116 Birmingham, City of 10/1/94 05/1/12 6 20 10 C 010418 Dauphin Island, Town of 04/1/01 04/1/01 8 10 5 C 010176 Decatur, City of 10/1/91 10/1/05 10 0 0 R 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 10/1/07 7 15 5 C 010189 Pell City, City of 10/1/92 05/1/12 8 10 5 C 010002 Prattville, City of 10/1/91 05/1/08 8 10 5 C 010070 Wetumpka, City of 10/1/91 10/1/91 9 5 5 C Alaska 020005 Anchorage, Municipality of 10/1/95 10/1/09 6 20 10 C 020012 Kenai Peninsula, Borough of 04/1/00 04/1/00 8 10 5 C 020003 Ketchikan Gateway Borough 10/1/05 10/1/05 9 5 5 C 020069 Nome, City of 10/1/05 10/1/07 8 10 5 C 020113 Seward, City of 10/1/05 10/1/10 7 15 5 C 020094 Valdez, City of 10/1/92 10/1/09 8 10 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 05/1/11 7 15 5 C 040080 Casa Grande, City of 10/1/91 05/1/11 9 5 5 C 040040 Chandler, City of 10/1/91 05/1/04 7 15 5 C 040094 Chino Valley, Town of 10/1/91 10/1/11 10 0 0 R 040095 Clarkdale, Town of 10/1/91 05/1/11 7 15 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 040061 Dewey-Humboldt, Town of 10/1/07 05/1/11 7 15 5 C 040020 Flagstaff, City of 10/1/91 10/1/07 7 15 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 05/1/10 7 15 5 C 040067 Holbrook, City of 10/1/95 10/1/00 8 10 5 C 040037 Maricopa County 10/1/91 05/1/12 4 30 10 C 040048 Mesa, City of 10/1/91 04/1/98 10 0 0 R 040058 Mohave County 10/1/95 05/1/10 7 15 5 C 040066 Navajo County 10/1/92 05/1/08 8 10 5 C 040051 Phoenix, City of 10/1/92 10/1/02 6 20 10 C 040073 Pima County 10/1/91 05/1/07 5 25 10 C 040098 Prescott, City of 10/1/91 05/1/11 7 15 5 C 040090 Santa Cruz County 10/1/03 05/1/08 7 15 5 C 045012 Scottsdale, City of 10/1/91 10/1/07 6 20 10 C 040130 Sedona, City of 10/1/91 05/1/11 8 10 5 C 040069 Show Low, City of 10/1/91 05/1/10 8 10 5 C 040054 Tempe, City of 10/1/91 05/1/12 7 15 5 C CRS 3 May 1, 2012 TABLE 2. COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES TABLE 2. COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES (continued) 1 For the purpose of determining CRS discounts, all AR and A99 Zones are treated as non-SFHAs. 2 Status: C = Current, R = Rescinded CRS 4 May 1, 2012 COMMUNITY Num ber COMMUNITY NAME CRS ENTRY Dat e CURRE NT EFFECTIVE DATE CURRE NT CLASS % DISCOUNT FOR SFHA1 % DISCOUNT FOR NON-SFHA STATUS2 Arizona (continued) 040076 Tucson, City of 10/1/91 10/1/07 6 20 10 C 040056 Wickenburg, Town of 10/1/92 10/1/07 10 0 0 R 040031 Winkelman, Town of 10/1/91 10/1/95 10 0 0 R 040093 Yavapai County 10/1/91 10/1/07 7 15 5 C Arkansas 050029 Arkadelphia, City of 10/1/91 10/1/05 8 10 5 C 050192 Benton, City of 10/1/93 10/1/93 9 5 5 C 050419 Benton County 05/1/05 05/1/05 8 10 5 C 050012 Bentonville, City of 10/1/92 10/1/02 8 10 5 C 050140 Blytheville, City of 10/1/95 10/1/95 9 5 5 C 050046 Bono, City of 10/1/92 05/1/02 8 10 5 C 050308 Bryant, City of 10/1/92 10/1/92 9 5 5 C 050433 Garland County 10/1/93 10/1/93 9 5 5 C 050168 Helena, City of 10/1/93 10/1/99 10 0 0 R 050084 Hot Springs, City of 10/1/93 10/1/06 8 10 5 C 050180 Jacksonville, City of 10/1/94 10/1/04 8 10 5 C 050048 Jonesboro, City of 10/1/92 10/1/92 9 5 5 C 050181 Little Rock, City of 10/1/91 10/1/11 7 15 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 050053 Van Buren, City of 05/1/09 05/1/09 9 5 5 C 050055 West Memphis, City of 10/1/92 05/1/12 7 15 5 C California 060001 Alameda County 10/1/92 10/1/99 7 15 5 C 060213 Anaheim, City of 10/1/91 05/1/07 8 10 5 C 065019 Burlingame, City of 05/1/12 05/1/12 9 5 5 C 060714 Clearlake, City of 05/1/03 10/1/08 10 0 0 R 065022 Concord, City of 10/1/08 10/1/08 8 10 5 C 060025 Contra Costa County 10/1/91 04/1/01 6 20 10 C 065023 Corte Madera, Town of 10/1/03 10/1/09 7 15 5 C 060339 Cupertino, City of 10/1/05 10/1/05 8 10 5 C 060708 East Palo Alto, City of 10/1/11 10/1/11 8 10 5 C 060370 Fairfield, City of 10/1/92 05/1/09 7 15 5 C 060218 Fountain Valley, City of 10/1/96 04/1/98 8 10 5 C 065028 Fremont, City of 04/1/01 04/1/01 7 15 5 C 060048 Fresno, City of 10/1/92 10/1/07 8 10 5 C 065029 Fresno County 10/1/91 10/1/11 6 20 10 C 060340 Gilroy, City of 05/1/07 05/1/07 8 10 5 C 065034 Huntington Beach, City of 10/1/95 10/1/00 7 15 5 C 060222 Irvine, City of 10/1/91 05/1/02 8 10 5 C 060075 Kern County 10/1/91 05/1/08 8 10 5 C 060090 Lake County 10/1/95 10/1/10 7 15 5 C 060636 Lake Elsinore, City of 10/1/09 10/1/09 9 5 5 C 060738 Lathrop, City of 10/1/08 10/1/08 8 10 5 C 060395 Live Oak, City of 10/1/11 10/1/11 9 5 5 C 060136 Long Beach, City of 10/1/93 05/1/08 7 15 5 C 060341 Los Altos, City of 10/1/91 10/1/96 8 10 5 C 060137 Los Angeles, City of 10/1/91 10/1/05 7 15 5 C 065043 Los Angeles County 10/1/91 05/1/11 7 15 5 C 060706 Manteca, City of 05/1/09 05/1/09 9 5 5 C TABLE 2. COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES (continued) 1 For the purpose of determining CRS discounts, all AR and A99 Zones are treated as non-SFHAs. 2 Status: C = Current, R = Rescinded CRS 5 May 1, 2012 COMMUNITY Num ber COMMUNITY NAME CRS ENTRY Dat e CURRE NT EFFECTIVE DATE CURRE NT CLASS % DISCOUNT FOR SFHA1 % DISCOUNT FOR NON-SFHA STATUS2 California (continued) 060344 Milpitas, City of 10/1/91 05/1/07 6 20 10 C 060735 Mission Viejo, City of 10/1/05 05/1/10 8 10 5 C 060195 Monterey County 10/1/91 05/1/07 5 25 10 C 065074 Moreno Valley, City of 10/1/91 10/01/96 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 05/1/08 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 10/1/10 6 20 10 C 060227 Newport Beach, City of 10/1/93 05/1/08 8 10 5 C 060178 Novato, City of 10/1/95 05/1/10 6 20 10 C 060294 Oceanside, City of 10/1/91 10/1/96 8 10 5 C 060228 Orange, City of 10/1/92 05/1/08 9 5 5 C 060212 Orange County 10/1/91 05/1/08 7 15 5 C 060257 Palm Springs, City of 10/1/92 05/1/11 6 20 10 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 05/1/09 5 25 10 C 060034 Pleasant Hill, City of 05/1/03 05/1/08 8 10 5 C 060012 Pleasanton, City of 10/1/92 10/1/97 8 10 5 C 060702 Poway, City of 05/1/08 05/1/08 8 10 5 C 060360 Redding, City of 10/1/96 05/1/08 6 20 10 C 060279 Redlands, City of 10/1/07 10/1/07 9 5 5 C 060035 Richmond, City of 10/1/95 10/1/95 9 5 5 C 060245 Riverside County 10/1/10 10/1/10 9 5 5 C 060243 Roseville, City of 10/1/92 10/1/06 1 45 10 C 060266 Sacramento, City of 10/1/91 10/1/08 5 25 10 C 060262 Sacramento County 10/1/92 05/1/10 4 30 10 C 060202 Salinas, City of 10/1/91 10/1/02 7 15 5 C 060284 San Diego County 10/1/94 05/1/10 7 15 5 C 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 05/1/12 9 5 5 C 060013 San Leandro, City of 10/1/06 10/1/06 8 10 5 C 060310 San Luis Obispo, City of 10/1/91 10/1/11 7 15 5 C 060311 San Mateo County 10/1/10 10/1/10 9 5 5 C 060710 San Ramon, City of 10/1/91 05/1/11 6 20 10 C 060331 Santa Barbara County 10/1/91 05/1/06 6 20 10 C 060350 Santa Clara, City of 05/1/02 05/1/08 8 10 5 C 060337 Santa Clara County 05/1/04 05/1/09 10 0 0 R 060729 Santa Clarita, City of 10/1/01 10/1/09 8 10 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 10/1/09 7 15 5 C 060631 Solano County 10/1/91 10/1/07 7 15 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 05/1/09 7 15 5 C 060394 Sutter County 10/1/08 10/1/10 6 20 10 C 060400 Tehema, City of 10/1/03 10/1/08 6 20 10 C 060401 Trinity County 05/1/11 05/1/11 9 5 5 C 060373 Vacaville, City of 10/1/95 10/1/00 8 10 5 C 060413 Ventura County 10/1/11 10/1/11 6 20 10 C TABLE 2. COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES (continued) 1 For the purpose of determining CRS discounts, all AR and A99 Zones are treated as non-SFHAs. 2 Status: C = Current, R = Rescinded CRS 6 May 1, 2012 COMMUNITY Num ber COMMUNITY NAME CRS ENTRY Dat e CURRE NT EFFECTIVE DATE CURRE NT CLASS % DISCOUNT FOR SFHA1 % DISCOUNT FOR NON-SFHA STATUS2 California (continued) 060409 Visalia, City of 10/1/11 10/1/11 9 5 5 C 065070 Walnut Creek, City of 10/1/91 05/1/11 8 10 5 C 060357 Watsonville, City of 10/1/92 10/1/02 7 15 5 C 060728 West Sacramento, City of 10/1/11 10/1/11 8 10 5 C 060238 Yorba Linda, City of 10/1/93 10/1/04 10 0 0 R 060423 Yolo County 10/1/10 10/1/10 8 10 5 C 060396 Yuba City, City of 10/1/07 10/1/11 6 20 10 C 060427 Yuba County 10/1/03 05/1/09 7 15 5 C 060739 Yucaipa, City of 10/1/11 10/1/11 9 5 5 C Colorado 080001 Adams County 10/1/93 10/1/03 10 0 0 R 080010 Alamosa, City of 10/1/91 10/1/91 9 5 5 C 080009 Alamosa County 10/1/96 10/1/11 10 0 0 R 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 05/1/10 5 25 10 C 080002 Aurora, City of 10/1/92 05/1/08 8 10 5 C 080024 Boulder, City of 10/1/92 10/1/08 7 15 5 C 080023 Boulder County 10/1/91 10/1/06 7 15 5 C 080130 Brush, City of 10/1/94 10/1/94 9 5 5 C 080068 Canon City, City of 10/1/92 05/1/08 9 5 5 C 080315 Centennial, City of 05/1/10 05/1/10 8 10 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 10/1/10 7 15 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 05/1/06 8 10 5 C 080049 Douglas County 10/1/96 10/1/10 8 10 5 C 080099 Durango, City of 10/1/92 10/1/92 9 5 5 C 080051 Eagle County 10/1/08 10/1/08 8 10 5 C 080059 El Paso County 10/1/92 10/1/10 7 15 5 C 085074 Englewood, City of 10/1/95 10/1/11 7 15 5 C 080102 Fort Collins, City of 10/1/91 10/1/01 4 30 10 C 080061 Fountain, City of 10/1/92 10/1/10 7 15 5 C 080067 Fremont County 10/1/93 05/1/08 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 05/1/11 7 15 5 C 080062 Green Mountain Falls, Town of 10/1/03 10/1/10 7 15 5 C 080080 Gunnison, City of 10/1/95 10/1/95 9 5 5 C 080078 Gunnison County 10/1/94 10/1/09 8 10 5 C 080087 Jefferson County 10/1/05 10/1/10 6 20 10 C 085075 Lakewood, City of 10/1/91 10/1/05 6 20 10 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 10/1/05 8 10 5 C 080103 Loveland, City of 10/1/10 10/1/10 7 15 5 C 080063 Manitou Springs, City of 10/1/92 10/1/10 7 15 5 C 080115 Mesa County 05/1/06 05/1/06 9 5 5 C 080064 Monument, Town of 10/1/03 10/1/10 7 15 5 C 080092 Morrison, Town of 10/1/96 10/1/96 9 5 5 C 080065 Palmer Lake, Town of 10/1/03 10/1/10 7 15 5 C TABLE 2. COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES (continued) 1 For the purpose of determining CRS discounts, all AR and A99 Zones are treated as non-SFHAs. 2 Status: C = Current, R = Rescinded CRS 7 May 1, 2012 COMMUNITY Num ber COMMUNITY NAME CRS ENTRY Dat e CURRE NT EFFECTIVE DATE CURRE NT CLASS % DISCOUNT FOR SFHA1 % DISCOUNT FOR NON-SFHA STATUS2 Colorado (continued) 080310 Parker, Town of 10/1/92 05/1/07 6 20 10 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 05/1/10 8 10 5 C 080168 Telluride, Town of 10/1/94 10/1/05 8 10 5 C 080007 Thornton, City of 10/1/94 10/1/06 7 15 5 C 080054 Vail, Town of 10/1/91 10/1/01 7 15 5 C 080008 Westminster, City of 10/1/91 10/1/11 8 10 5 C 085079 Wheat Ridge, City of 10/1/91 10/1/11 6 20 10 C Connecticut 090074 Cheshire, Town of 10/1/93 10/1/03 10 0 0 R 090076 East Haven, Town of 10/1/03 10/1/10 10 0 0 R 090096 East Lyme, Town of 10/1/91 10/1/91 9 5 5 C 090078 Hamden, Town of 10/1/93 10/1/06 10 0 0 R 090082 Milford, City of 05/1/12 05/1/12 9 5 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 10/1/07 8 10 5 C 090070 Westbrook, Town of 05/1/05 05/1/11 10 0 0 R 090019 Westport, Town of 10/1/95 10/1/00 8 10 5 C Delaware 105083 Bethany Beach, Town of 05/1/09 05/1/09 8 10 5 C 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 100051 South Bethany, Town of 10/1/07 10/1/07 8 10 5 C Florida 120001 Alachua County 10/1/95 05/1/12 6 20 10 C 120290 Altamonte Springs, City of 10/1/94 10/1/96 8 10 5 C 125087 Anna Maria, City of 10/1/91 10/1/07 5 25 10 C 120180 Apopka, City of 10/1/93 10/1/07 7 15 5 C 120075 Atlantic Beach, City of 10/1/05 05/1/10 7 15 5 C 120193 Atlantis, City of 10/1/92 05/1/08 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 10/1/08 5 25 10 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 05/1/08 8 10 5 C TABLE 2. COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES (continued) CRS 8 May 1, 2012 1 For the purpose of determining CRS discounts, all AR and A99 Zones are treated as non-SFHAs. 2 Status: C = Current, R = Rescinded COMMUNITY Num ber COMMUNITY NAME CRS ENTRY Dat e CURRE NT EFFECTIVE DATE CURRE NT CLASS % DISCOUNT FOR SFHA1 % DISCOUNT FOR NON-SFHA STATUS2 Florida (continued) 120680 Bonita Springs, City of 05/1/06 10/1/11 6 20 10 C 120196 Boynton Beach, City of 10/1/91 10/1/10 7 15 5 C 120155 Bradenton, City of 10/1/91 05/1/11 6 20 10 C 125091 Bradenton Beach, City of 10/1/91 05/1/08 6 20 10 C 125092 Brevard County 10/1/91 10/1/06 7 15 5 C 125093 Broward County 10/1/92 05/1/12 7 15 5 C 120005 Callaway, City of 10/1/93 05/1/08 8 10 5 C 125094 Cape Canaveral, City of 10/1/93 05/1/08 8 10 5 C 125095 Cape Coral, City of 10/1/91 05/1/10 5 25 10 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 10/1/11 6 20 10 C 120064 Clay County 10/1/96 10/1/05 7 15 5 C 125096 Clearwater, City of 10/1/91 10/1/00 7 15 5 C 120198 Cloud Lake, Town of 10/1/94 10/1/10 7 15 5 C 120020 Cocoa, City of 10/1/94 10/1/04 10 0 0 R 125097 Cocoa Beach, 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 05/1/10 6 20 10 C 120070 Columbia County 10/1/96 10/1/05 8 10 5 C 120032 Cooper City, City of 10/1/92 05/1/09 7 15 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 120218 Cutler Bay, Town of 05/1/11 05/1/11 6 20 10 C 120034 Dania Beach, City of 10/1/93 10/1/93 9 5 5 C 120035 Davie, Town of 10/1/94 10/1/05 7 15 5 C 125099 Daytona Beach, City of 10/1/94 10/1/08 6 20 10 C 125100 Daytona Beach Shores, City of 10/1/92 05/1/07 7 15 5 C 125101 Deerfield Beach, City of 10/1/92 05/1/11 7 15 5 C 125102 Delray Beach, City of 10/1/94 10/1/94 9 5 5 C 125158 Destin, City of 10/1/94 05/1/10 6 20 10 C 120041 Doral, City of 05/1/09 05/1/09 8 10 5 C 125103 Dunedin, City of 10/1/92 10/1/11 6 20 10 C 120308 Edgewater, City of 10/1/92 10/1/97 8 10 5 C 120080 Escambia County 10/1/91 05/1/11 6 20 10 C 120146 Fanning Springs, Town of 10/1/93 10/1/08 8 10 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 05/1/12 6 20 10 C 125105 Fort Lauderdale, City of 10/1/92 05/1/08 7 15 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 05/1/12 6 20 10 C 120174 Fort Walton Beach, City of 10/1/92 05/1/12 6 20 10 C 120088 Franklin County 10/1/93 10/1/02 8 10 5 C 125107 Gainesville, City of 10/1/92 10/1/06 7 15 5 C 120200 Glen Ridge, Town of 10/1/94 10/1/06 10 0 0 R 120642 Golden Beach, Town of 10/1/93 10/1/02 10 0 0 R 120275 Gulf Breeze, City of 10/1/93 05/1/08 8 10 5 C 120098 Gulf County 10/1/93 05/1/07 8 10 5 C 125109 Gulf Stream, Town of 10/1/99 05/1/09 7 15 5 C TABLE 2. COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES (continued) CRS 9 May 1, 2012 1 For the purpose of determining CRS discounts, all AR and A99 Zones are treated as non-SFHAs. 2 Status: C = Current, R = Rescinded COMMUNITY Num ber COMMUNITY NAME CRS ENTRY Dat e CURRE NT EFFECTIVE DATE CURRE NT CLASS % DISCOUNT FOR SFHA1 % DISCOUNT FOR NON-SFHA STATUS2 Florida (continued) 125108 Gulfport, City of 10/1/93 10/1/03 7 15 5 C 125110 Hallandale Beach, City of 10/1/94 10/1/08 6 20 10 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 10/1/10 6 20 10 C 120643 Hialeah, City of 10/1/93 05/1/08 7 15 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 10/1/09 8 10 5 C 120112 Hillsborough County 10/1/92 10/1/07 5 25 10 C 125112 Holly Hill, City of 10/1/94 10/1/09 8 10 5 C 125113 Hollywood, City of 10/1/92 05/1/12 6 20 10 C 125114 Holmes Beach, City of 10/1/91 05/1/11 6 20 10 C 120645 Homestead, City of 05/1/06 05/1/06 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 10/1/07 6 20 10 C 120121 Indian River Shores, Town of 10/1/94 10/109 7 15 5 C 125117 Indian Rocks Beach, City of 10/1/92 10/1/11 7 15 5 C 125118 Indian Shores, Town of 10/1/93 10/1/05 6 20 10 C 120125 Jackson County 10/1/02 05/1/07 8 10 5 C 120077 Jacksonville, City of 10/1/91 05/1/10 6 20 10 C 120078 Jacksonville Beach, City of 10/1/92 10/1/02 8 10 5 C 120331 Jefferson County 10/1/96 10/1/11 8 10 5 C 120208 Juno Beach, Town of 10/1/93 10/1/07 5 25 10 C 125119 Jupiter, Town of 10/1/94 10/1/11 6 20 10 C 120162 Jupiter Island, Town of 10/1/95 10/1/00 8 10 5 C 120245 Kenneth City, Town of 10/1/92 05/1/06 8 10 5 C 120648 Key Biscayne, Village of 04/1/98 10/1/07 7 15 5 C 125121 Key Colony Beach, City of 10/1/92 05/1/08 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 05/1/10 7 15 5 C 120211 Lake Clarke Shores, Town of 10/1/94 10/109 8 10 5 C 120421 Lake County 10/1/94 05/1/09 7 15 5 C 120416 Lake Mary, City of 10/1/09 10/1/09 8 10 5 C 120212 Lake Park, Town of 10/1/92 05/1/10 8 10 5 C 120213 Lake Worth, City of 10/1/96 10/1/10 8 10 5 C 120267 Lakeland, City of 10/1/04 10/109 7 15 5 C 120214 Lantana, Town of 10/1/94 10/1/94 9 5 5 C 125122 Largo, City of 10/1/92 10/1/08 6 20 10 C 125123 Lauderdale by the Sea, Town of 04/1/00 10/1/10 7 15 5 C 120044 Lauderhill, City of 10/1/92 05/1/08 9 5 5 C 120169 Layton, City of 10/1/01 05/1/08 8 10 5 C 125124 Lee County 10/1/91 10/1/07 5 25 10 C 120145 Levy County 10/1/94 10/1/09 7 15 5 C 125125 Lighthouse Point, City of 10/1/93 05/1/09 7 15 5 C 125126 Longboat Key, Town of 10/1/91 10/1/05 6 20 10 C 120292 Longwood, City of 10/1/96 10/1/10 10 0 0 R 120009 Lynn Haven, City of 10/1/92 05/1/07 8 10 5 C 125127 Madeira Beach, City of 10/1/92 05/1/11 6 20 10 C 120149 Madison County 10/1/94 10/1/00 8 10 5 C 120215 Manalapan, Town of 10/1/92 05/1/08 9 5 5 C TABLE 2. COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES (continued) CRS 10 May 1, 2012 1 For the purpose of determining CRS discounts, all AR and A99 Zones are treated as non-SFHAs. 2 Status: C = Current, R = Rescinded COMMUNITY Num ber COMMUNITY NAME CRS ENTRY Dat e CURRE NT EFFECTIVE DATE CURRE NT CLASS % DISCOUNT FOR SFHA1 % DISCOUNT FOR NON-SFHA STATUS2 Florida (continued) 120153 Manatee County 10/1/91 10/1/10 5 25 10 C 120216 Mangonia Park, Town of 10/1/94 10/1/10 8 10 5 C 120426 Marco Island, City of 10/1/00 10/1/05 6 20 10 C 120047 Margate, City of 10/1/92 05/1/11 7 15 5 C 120160 Marion County 10/1/94 10/1/09 7 15 5 C 120161 Martin County 10/1/92 10/1/00 7 15 5 C 120337 Mary Esther, City of 10/1/07 05/1/12 7 15 5 C 120025 Melbourne, City of 10/1/93 05/1/08 8 10 5 C 120650 Miami, City of 10/1/94 05/1/10 7 15 5 C 120635 Miami-Dade County 10/1/94 10/1/03 5 25 10 C 120651 Miami Beach, City of 10/1/96 05/1/12 6 20 10 C 120345 Miami Gardens, City of 05/1/09 05/1/10 6 20 10 C 120686 Miami Lakes, Town of 10/1/06 10/1/11 5 25 10 C 120652 Miami Shores Village, Village of 10/1/00 10/1/00 8 10 5 C 120276 Milton, City of 10/1/07 05/1/12 6 20 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 05/1/12 6 20 10 C 125132 New Smyrna Beach, City of 10/1/91 10/1/00 7 15 5 C 120338 Niceville, City of 10/1/93 10/1/09 7 15 5 C 120049 North Lauderdale, City of 10/1/93 05/1/12 10 0 0 R 120655 North Miami, City of 10/1/94 10/1/01 5 25 10 C 120656 North Miami Beach, City of 10/1/93 05/1/11 7 15 5 C 120217 North Palm Beach, Village of 10/1/94 05/1/09 7 15 5 C 120279 North Port, City of 10/1/92 05/1/12 6 20 10 C 125133 North Redington Beach, Town of 10/1/92 05/1/08 8 10 5 C 120050 Oakland Park, City of 10/1/94 10/1/09 7 15 5 C 120330 Ocala, City of 10/1/91 10/1/01 8 10 5 C 125134 Ocean Ridge, Town of 10/1/92 05/1/09 7 15 5 C 120173 Okaloosa County 10/1/95 10/1/10 5 25 10 C 120177 Okeechobee County 10/1/96 10/1/00 8 10 5 C 120250 Oldsmar, City of 10/1/92 05/1/06 6 20 10 C 120179 Orange County 10/1/91 05/1/08 5 25 10 C 120186 Orlando, City of 10/1/93 05/1/08 6 20 10 C 125136 Ormond Beach, City of 10/1/92 05/1/12 6 20 10 C 120189 Osceola County 10/1/94 10/1/03 7 15 5 C 120293 Oviedo, City of 10/1/08 10/1/08 8 10 5 C 120404 Palm Bay, City of 10/1/93 05/1/12 6 20 10 C 120220 Palm Beach, Town of 10/1/92 05/1/08 7 15 5 C 120192 Palm Beach County 10/1/91 10/1/11 5 25 10 C 120221 Palm Beach Gardens, City of 10/1/03 05/1/12 8 10 5 C 125137 Palm Beach Shores, Town of 10/1/94 10/1/94 9 5 5 C 120684 Palm Coast, City of 05/1/04 05/1/09 6 20 10 C 120223 Palm Springs, Village of 10/1/92 05/1/08 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 05/1/08 8 10 5 C 120230 Pasco County 10/1/92 10/1/07 7 15 5 C 120053 Pembroke Pines, City of 10/1/94 10/1/98 7 15 5 C TABLE 2. COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES (continued) CRS 11 May 1, 2012 1 For the purpose of determining CRS discounts, all AR and A99 Zones are treated as non-SFHAs. 2 Status: C = Current, R = Rescinded COMMUNITY Num ber COMMUNITY NAME CRS ENTRY Dat e CURRE NT EFFECTIVE DATE CURRE NT CLASS % DISCOUNT FOR SFHA1 % DISCOUNT FOR NON-SFHA STATUS2 Florida (continued) 120082 Pensacola, City of 10/1/02 10/1/11 8 10 5 C 125138 Pensacola Beach–Santa Rosa Island Authority 10/1/91 10/1/11 7 15 5 C 125139 Pinellas County 10/1/93 10/1/10 7 15 5 C 120251 Pinellas Park, City of 10/1/91 05/1/09 6 20 10 C 120054 Plantation, City of 10/1/92 05/1/12 6 20 10 C 120261 Polk County 10/1/92 10/1/11 6 20 10 C 120055 Pompano Beach, City of 10/1/93 05/1/12 7 15 5 C 120312 Ponce Inlet, Town of 05/1/04 05/1/09 6 20 10 C 120313 Port Orange, City of 10/1/92 05/1/03 7 15 5 C 120234 Port Richey, City of 10/1/92 10/1/07 7 15 5 C 120099 Port St. Joe, City of 10/1/94 10/1/09 10 0 0 R 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 05/1/08 8 10 5 C 125141 Redington Shores, Town of 10/1/92 05/1/11 7 15 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 10/1/11 5 25 10 C 125150 Sarasota, City of 10/1/91 10/1/10 6 20 10 C 125144 Sarasota County 10/1/92 05/1/07 5 25 10 C 120028 Satellite Beach, City of 10/1/92 05/1/12 8 10 5 C 120123 Sebastian, City of 10/1/92 10/1/10 7 15 5 C 120289 Seminole County 10/1/91 05/1/11 6 20 10 C 120164 Sewall’s Point, Town of 10/1/96 05/1/10 7 15 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 10/1/08 8 10 5 C 125151 South Pasadena, City of 10/1/92 10/1/98 8 10 5 C 125145 St. Augustine, City of 10/1/92 10/1/11 7 15 5 C 125146 St. Augustine Beach, City of 10/1/93 05/1/08 8 10 5 C 120191 St. Cloud, City of 10/1/93 05/1/08 8 10 5 C 125147 St. Johns County 10/1/95 05/1/07 6 20 10 C 120285 St. Lucie County 10/1/94 05/1/09 6 20 10 C 120316 St. Marks, Town of 10/1/93 10/1/08 8 10 5 C 125149 St. Pete Beach, City of 10/1/91 05/1/12 7 15 5 C 125148 St. Petersburg, City of 10/1/92 10/1/09 6 20 10 C 120296 Sumter County 10/1/95 05/1/10 7 15 5 C 120688 Sunny Isles Beach, City of 10/1/07 10/1/07 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 10/1/08 10 0 0 R 120300 Suwannee County 10/1/96 10/1/00 8 10 5 C 120144 Tallahassee, City of 10/1/94 10/1/06 6 20 10 C 120058 Tamarac, City of 10/1/92 10/1/11 6 20 10 C 120114 Tampa, City of 10/1/91 05/1/09 6 20 10 C 120259 Tarpon Springs, City of 10/1/92 05/1/12 7 15 5 C 120302 Taylor County 10/1/96 10/1/11 7 15 5 C 120115 Temple Terrace, City of 10/1/93 10/1/03 8 10 5 C 120228 Tequesta, Village of 10/1/92 05/1/09 8 10 5 C TABLE 2. COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES (continued) CRS 12 May 1, 2012 1 For the purpose of determining CRS discounts, all AR and A99 Zones are treated as non-SFHAs. 2 Status: C = Current, R = Rescinded COMMUNITY Num ber COMMUNITY NAME CRS ENTRY Dat e CURRE NT EFFECTIVE DATE CURRE NT CLASS % DISCOUNT FOR SFHA1 % DISCOUNT FOR NON-SFHA STATUS2 Florida (continued) 125152 Titusville, City of 10/1/92 05/1/11 7 15 5 C 125153 Treasure Island, City of 10/1/92 05/1/12 6 20 10 C 125154 Venice, City of 10/1/91 10/1/05 6 20 10 C 120124 Vero Beach, City of 10/1/93 05/1/09 7 15 5 C 125155 Volusia County 10/1/93 10/1/08 6 20 10 C 120315 Wakulla County 10/1/93 10/1/08 7 15 5 C 125157 Wellington, Village of 10/1/03 10/1/08 7 15 5 C 120229 West Palm Beach, City of 10/1/92 10/1/06 6 20 10 C 120678 Weston, City of 05/1/09 05/1/09 8 10 5 C 120295 Winter Springs, City of 10/1/93 05/1/08 7 15 5 C 120147 Yankeetown, Town of 10/1/94 10/1/08 6 20 10 C Georgia 130075 Albany, City of 10/1/94 05/1/10 8 10 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 10/1/09 6 20 10 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 05/1/10 7 15 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 130298 Coweta County 05/1/12 05/1/12 8 10 5 C 130504 Crisp County 05/1/05 05/1/05 9 5 5 C 135159 Decatur, City of 10/1/93 05/1/10 6 20 10 C 130065 Dekalb County 10/1/92 10/1/08 7 15 5 C 130074 Dougherty County 10/1/93 05/1/10 6 20 10 C 130216 Douglas, City of 05/1/11 05/1/11 9 5 5 C 130306 Douglas County 10/1/95 10/1/00 8 10 5 C 130098 Duluth, City of 10/1/97 10/1/08 8 10 5 C 130432 Fayette County 05/1/04 10/1/09 6 20 10 C 130431 Fayetteville, City of 05/1/06 10/1/11 7 15 5 C 130042 Forest Park, City of 05/1/12 05/1/12 9 5 5 C 135160 Fulton County 04/1/00 10/1/10 8 10 5 C 130092 Glynn County 10/1/92 10/1/96 8 10 5 C 130165 Griffin, City of 10/1/08 05/1/11 5 25 10 C 130322 Gwinnett County 10/1/94 05/1/04 8 10 5 C 130468 Henry County 05/1/12 05/1/12 8 10 5 C 130201 Jekyll Island, State Park Auth 10/1/93 05/1/06 6 20 10 C 130044 Lake City, City of 05/1/12 05/1/12 9 5 5 C 130045 Morrow, City of 05/1/12 05/1/12 9 5 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 10/1/10 7 15 5 C 130088 Roswell, City of 10/1/91 10/1/96 7 15 5 C 135163 Savannah, City of 10/1/92 10/1/10 6 20 10 C 130171 Tifton, City of 10/1/08 10/1/08 8 10 5 C 135164 Tybee Island, City of 10/1/93 10/1/07 7 15 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 TABLE 2. COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES (continued) CRS 13 May 1, 2012 1 For the purpose of determining CRS discounts, all AR and A99 Zones are treated as non-SFHAs. 2 Status: C = Current, R = Rescinded COMMUNITY Num ber COMMUNITY NAME CRS ENTRY Dat e CURRE NT EFFECTIVE DATE CURRE NT CLASS % DISCOUNT FOR SFHA1 % DISCOUNT FOR NON-SFHA STATUS2 Hawaii 155166 Hawaii County 05/1/11 05/1/11 8 10 5 C 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 160206 Bonner County 10/1/05 05/1/11 8 10 5 C 160209 Caribou County 05/1/06 05/1/06 9 5 5 C 160003 Eagle, City of 04/1/00 04/1/00 6 20 10 C 160212 Elmore County 10/1/94 10/1/09 9 5 5 C 160004 Garden City, City of 10/1/98 10/1/08 9 5 5 C 160127 Gem County 05/1/08 05/1/08 9 5 5 C 160022 Hailey, City of 10/1/92 10/1/97 8 10 5 C 160131 Kellogg, City of 10/1/92 10/1/07 9 5 5 C 160023 Ketchum, City of 10/1/92 10/1/09 8 10 5 C 160076 Kootenai County 10/1/92 10/1/08 10 0 0 R 160090 Moscow, City of 10/1/94 10/1/09 7 15 5 C 160058 Mountain Home, City of 10/1/94 10/1/99 8 10 5 C 160101 Nez Perce County 10/1/01 10/1/11 9 5 5 C 160012 Pocatello, City of 10/1/94 10/1/99 8 10 5 C 160114 Shoshone County 10/1/94 10/1/09 8 10 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 05/1/09 8 10 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 05/1/12 6 20 10 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 10/1/08 10 0 0 R 170322 Carpentersville, Village of 10/1/06 10/1/11 6 20 10 C 170026 Champaign, City of 05/1/11 05/1/11 8 10 5 C 170078 Country Club Hills, City of 10/1/93 10/1/94 8 10 5 C 170476 Crystal Lake, City of 05/1/12 05/1/12 6 20 10 C 170361 Deerfield, Village of 10/1/95 05/1/08 6 20 10 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 05/1/11 7 15 5 C 170091 Flossmoor, Village of 10/1/93 05/1/08 8 10 5 C 170207 Glen Ellyn, Village of 10/1/11 10/1/11 8 10 5 C 170206 Glendale Heights, Village of 10/1/94 05/1/09 6 20 10 C 170096 Glenview, Village of 10/1/11 10/1/11 6 20 10 C 170365 Gurnee, Village of 10/1/11 10/1/11 8 10 5 C 170327 Hampshire, Village of 05/1/11 05/1/11 7 15 5 C 170107 Hoffman Estates, Village of 10/1/92 10/1/02 7 15 5 C 170312 Jersey County 05/1/09 10/1/10 6 20 10 C 170357 Lake County 10/1/08 10/1/11 6 20 10 C 170481 Lake in the Hills, Village of 05/1/08 10/1/11 6 20 10 C 170400 LaSalle County 05/1/05 10/1/09 8 10 5 C TABLE 2. COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES (continued) CRS 14 May 1, 2012 1 For the purpose of determining CRS discounts, all AR and A99 Zones are treated as non-SFHAs. 2 Status: C = Current, R = Rescinded COMMUNITY Num ber COMMUNITY NAME CRS ENTRY Dat e CURRE NT EFFECTIVE DATE CURRE NT CLASS % DISCOUNT FOR SFHA1 % DISCOUNT FOR NON-SFHA STATUS2 Illinois (continued) 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 10/1/08 6 20 10 C 170732 McHenry County 10/1/11 10/1/11 8 10 5 C 170591 Moline, City of 10/1/10 10/1/10 8 10 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 10/1/09 10 0 0 R 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 170405 Ottawa, City of 10/1/10 10/1/10 5 25 10 C 175170 Palatine, Village of 10/1/94 05/1/04 7 15 5 C 170533 Peoria County 10/1/92 05/1/09 5 25 10 C 170919 Prospect Heights, City of 10/1/94 05/1/04 8 10 5 C 170151 River Forest, Village of 05/1/12 05/1/12 7 15 5 C 170387 Riverwoods, Village of 05/1/07 05/1/07 8 10 5 C 170582 Rock Island County 10/1/06 10/1/06 7 15 5 C 170448 Roxana, Village of 10/1/11 10/1/11 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 10/1/11 5 25 10 C 170333 Sugar Grove, Village of 10/1/06 10/1/11 6 20 10 C 170191 Sycamore, City of 05/1/12 05/1/12 7 15 5 C 170169 Tinley Park, City of 10/1/05 10/1/11 6 20 10 C 170173 Wheeling, Village of 10/1/91 05/1/07 7 15 5 C 170687 Whiteside County 10/1/07 10/1/07 8 10 5 C 170222 Willowbrook, Village of 10/1/91 05/1/12 6 20 10 C 170224 Wood Dale, City of 10/1/99 10/1/04 5 25 10 C 170488 Woodstock, City of 05/1/11 05/1/11 7 15 5 C Indiana 180302 Allen County 10/1/02 10/1/09 8 10 5 C 180150 Anderson, City of 05/1/07 05/1/07 8 10 5 C 180006 Bartholomew County 10/1/93 10/109 8 10 5 C 180007 Columbus, City of 10/1/98 10/1/09 8 10 5 C 180001 Decatur, City of 10/1/93 05/1/08 8 10 5 C 180257 Evansville, City of 10/1/99 10/1/04 8 10 5 C 180003 Fort Wayne, City of 10/1/91 05/1/07 8 10 5 C 180080 Hamilton County 10/1/91 05/1/04 7 15 5 C 180419 Hancock County 10/1/03 10/1/06 8 10 5 C 180415 Hendricks County 05/1/12 05/1/12 8 10 5 C 180159 Indianapolis, City of 10/1/07 10/1/07 8 10 5 C 180093 Kokomo, City of 10/1/95 10/1/96 8 10 5 C 180121 Kosciusko, County of 10/1/97 05/1/08 9 5 5 C 180382 Milford Junction, City of 10/1/97 05/1/08 8 10 5 C 180082 Noblesville, City of 10/1/91 10/1/09 8 10 5 C 180465 North Webster, City of 10/1/97 05/1/08 8 10 5 C 180122 Syracuse, City of 10/1/97 05/1/08 8 10 5 C 180256 Vanderburgh County 04/1/99 04/1/99 8 10 5 C 180263 Vigo County 10/1/95 10/1/05 10 0 0 R TABLE 2. COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES (continued) CRS 15 May 1, 2012 1 For the purpose of determining CRS discounts, all AR and A99 Zones are treated as non-SFHAs. 2 Status: C = Current, R = Rescinded COMMUNITY Num ber COMMUNITY NAME CRS ENTRY Dat e CURRE NT EFFECTIVE DATE CURRE NT CLASS % DISCOUNT FOR SFHA1 % DISCOUNT FOR NON-SFHA STATUS2 Iowa 190169 Coralville, City of 10/1/92 10/1/96 10 0 0 R 190187 Cedar Rapids, City of 05/1/11 05/1/11 8 10 5 C 190242 Davenport, City of 10/1/95 05/1/08 8 10 5 C 190227 Des Moines, City of 10/1/91 05/1/08 7 15 5 C 190171 Iowa City, City of 10/1/11 10/1/11 8 10 5 C Kansas 200250 Carbondale, City of 10/1/92 10/1/96 10 0 0 R 200095 Ellis, City of 10/1/07 10/1/07 9 5 5 C 200585 Harvey County 05/1/12 05/1/12 9 5 5 C 200096 Hayes, City of 10/1/92 10/1/03 10 0 0 R 200189 Lansing, City of 05/1/11 05/1/11 8 10 5 C 200090 Lawrence, City of 10/1/04 10/1/04 8 10 5 C 200168 Lenexa, City of 10/1/11 10/1/11 8 10 5 C 200215 Lindsborg, City of 10/1/92 05/1/09 8 10 5 C 200201 Lyon County 10/1/07 10/1/07 9 5 5 C 200295 Lyons, City of 05/1/12 05/1/12 9 5 5 C 200173 Olathe, City of 10/1/93 05/1/09 8 10 5 C 200174 Overland Park, City of 10/1/09 10/1/09 8 10 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 200331 Shawnee County 05/1/11 05/1/11 9 5 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 10/1/06 7 15 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 05/1/10 8 10 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 210067 Lexington-Fayette Urban County 10/1/91 10/1/07 7 15 5 C 210120 Louisville-Jefferson County Metro Government 10/1/91 05/1/12 4 30 10 C 210342 Madison County 05/1/12 05/1/12 9 5 5 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 10/1/09 10 0 0 R 210366 Radcliff, City of 10/1/95 10/1/11 8 10 5 C 210203 Rowan County 10/1/94 10/1/94 9 5 5 C 210312 Warren County 10/1/91 10/1/11 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 05/1/08 8 10 5 C 225193 Baker, City of 10/1/91 10/1/11 8 10 5 C TABLE 2. COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES (continued) CRS 16 May 1, 2012 1 For the purpose of determining CRS discounts, all AR and A99 Zones are treated as non-SFHAs. 2 Status: C = Current, R = Rescinded COMMUNITY Num ber COMMUNITY NAME CRS ENTRY Dat e CURRE NT EFFECTIVE DATE CURRE NT CLASS % DISCOUNT FOR SFHA1 % DISCOUNT FOR NON-SFHA STATUS2 Louisiana (continued) 220033 Bossier City, City of 10/1/92 05/1/08 8 10 5 C 220361 Caddo Parish 10/1/95 10/1/07 8 10 5 C 220037 Calcasieu Parish 10/1/91 10/1/07 8 10 5 C 220103 Carencro, City of 05/1/09 05/1/10 8 10 5 C 220200 Covington, City of 10/1/95 10/1/96 10 0 0 R 220116 Denham Springs, City of 10/1/91 05/1/12 8 10 5 C 220027 Deridder, City of 10/1/95 10/1/95 9 5 5 C 220058 East Baton Rouge Parish 10/1/91 10/1/11 6 20 10 C 220117 French Settlement, Village of 10/1/92 10/1/07 9 5 5 C 220015 Gonzales, City of 10/1/92 05/1/12 8 10 5 C 225198 Gretna, City of 10/1/00 05/1/11 8 10 5 C 225200 Harahan, City of 10/1/08 10/1/08 8 10 5 C 220220 Houma, City of 10/1/92 10/1/09 7 15 5 C 225199 Jefferson Parish 10/1/92 05/1/10 6 20 10 C 225201 Kenner, City of 10/1/92 05/1/09 7 15 5 C 220105 Lafayette, City of 10/1/11 10/1/11 8 10 5 C 220101 Lafayette Parish 10/1/11 10/1/11 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 05/1/12 8 10 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 10/1/08 7 15 5 C 220136 Monroe, City of 10/1/03 10/1/03 9 5 5 C 220196 Morgan City, City of 10/1/91 05/1/06 8 10 5 C 225203 New Orleans/Orleans Parish 10/1/91 10/1/01 8 10 5 C 220135 Ouachita Parish 10/1/02 05/1/08 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 05/1/08 7 15 5 C 220204 Slidell, City of 10/1/92 10/1/08 8 10 5 C 220016 Sorrento, Town of 10/1/92 05/1/08 9 5 5 C 220160 St. Charles Parish 10/1/91 10/1/07 8 10 5 C 220261 St. James Parish 10/1/91 05/1/12 7 15 5 C 220164 St. John The Baptist Parish 10/1/94 05/1/10 8 10 5 C 225205 St. Tammany Parish 10/1/92 05/1/11 7 15 5 C 220206 Tangipahoa Parish 10/1/96 10/1/96 9 5 5 C 225206 Terrebonne Parish 10/1/92 10/1/11 6 20 10 C 220121 Walker, Town of 10/1/92 05/1/08 9 5 5 C 220239 West Baton Rouge Parish 10/1/93 10/1/96 8 10 5 C 220094 Westwego, City of 10/1/07 10/1/07 8 10 5 C 220061 Zachary, City of 10/1/92 10/1/07 8 10 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 230116 Dover-Foxcroft, Town of 10/1/07 10/1/07 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 TABLE 2. COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES (continued) CRS 17 May 1, 2012 1 For the purpose of determining CRS discounts, all AR and A99 Zones are treated as non-SFHAs. 2 Status: C = Current, R = Rescinded COMMUNITY Num ber COMMUNITY NAME CRS ENTRY Dat e CURRE NT EFFECTIVE DATE CURRE NT CLASS % DISCOUNT FOR SFHA1 % DISCOUNT FOR NON-SFHA STATUS2 Maine (continued) 230209 Georgetown, Town of 10/1/01 10/1/08 10 0 0 R 230069 Hallowell, City of 10/1/96 10/1/09 10 0 0 R 230004 Lewiston, City of 10/1/93 05/1/97 8 10 5 C 230178 Norridgewock, City of 10/1/97 10/1/07 10 0 0 R 230632 Ogunquit, Town of 10/1/92 05/1/03 8 10 5 C 230153 Old Orchard Beach, Town of 10/1/93 10/1/09 8 10 5 C 230112 Old Town, City of 10/1/05 10/1/05 8 10 5 C 230120 Phippsburg, Town of 10/1/93 10/1/08 10 0 0 R 230051 Portland, City of 10/1/93 05/1/09 9 5 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 10/1/11 10 0 0 R 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 240015 Carroll County 10/1/07 10/1/07 8 10 5 C 240040 Harford County 10/1/91 10/1/00 7 15 5 C 240043 Havre de Grace, City of 05/1/09 10/1/11 8 10 5 C 240044 Howard County 10/1/07 10/1/07 8 10 5 C 240012 North Beach, City of 01/1/92 10/1/08 10 0 0 R 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 05/1/08 9 5 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 250269 Hull, Town of 05/1/08 05/1/08 8 10 5 C 250273 Marshfield, Town of 10/1/91 05/1/07 8 10 5 C 250167 Northampton, City of 05/1/03 10/1/10 10 0 0 R 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 255218 Provincetown, Town of 10/1/11 10/1/11 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 05/1/09 8 10 5 C 250218 Tewksbury, Town of 10/1/93 10/1/09 10 0 0 R 250349 Worcester, City of 10/1/95 10/1/95 9 5 5 C Michigan 260142 Bedford, Township of 05/1/02 05/1/08 8 10 5 C 260467 Brooks Township 10/1/11 10/1/11 8 10 5 C 260473 Commerce, Township of 05/1/03 05/1/09 8 10 5 C TABLE 2. COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES (continued) CRS 18 May 1, 2012 1 For the purpose of determining CRS discounts, all AR and A99 Zones are treated as non-SFHAs. 2 Status: C = Current, R = Rescinded COMMUNITY Num ber COMMUNITY NAME CRS ENTRY Dat e CURRE NT EFFECTIVE DATE CURRE NT CLASS % DISCOUNT FOR SFHA1 % DISCOUNT FOR NON-SFHA STATUS2 Michigan (continued) 260221 Dearborn Heights, City of 10/1/92 05/1/08 7 15 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 05/1/08 8 10 5 C 260140 Midland, City of 10/1/92 10/1/08 5 25 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 260109 Plainfield Township 05/1/10 05/1/10 9 5 5 C 260577 Portage, City of 10/1/92 05/1/08 8 10 5 C 260402 Richfield Township 05/1/11 05/1/11 8 10 5 C 260190 Saginaw, Charter Township of 10/1/06 05/1/11 8 10 5 C 260305 Saugatuck, City of 10/1/06 10/1/06 8 10 5 C 260126 Shelby, Charter Township of 10/1/11 10/1/11 7 15 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 10/1/09 8 10 5 C 260503 Taymouth, Township of 05/1/03 10/1/09 8 10 5 C 260208 Vassar, City of 10/1/06 10/1/06 6 20 10 C 260285 Zilwaukee, City of 05/1/04 05/1/04 8 10 5 C Minnesota 275228 Austin, City of 10/1/91 05/1/08 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 10/1/11 6 20 10 C 275243 Montevideo, City of 05/1/10 05/1/10 5 25 10 C 275244 Moorhead, City of 05/1/10 05/1/10 7 15 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 05/1/09 6 20 10 C 280016 Cleveland, City of 10/1/93 04/1/99 8 10 5 C 280336 D’lberville, City of 10/1/07 10/1/10 5 25 10 C 280332 Gautier, City of 10/1/94 10/1/10 7 15 5 C 280179 Greenville, City of 10/1/93 05/1/03 8 10 5 C 285253 Gulfport, City of 10/1/96 10/1/11 6 20 10 C 285255 Harrison County 10/1/03 10/1/03 8 10 5 C 280053 Hattiesburg, City of 10/1/94 05/1/10 6 20 10 C 280292 Hernando, City of 10/1/11 10/1/11 9 5 5 C 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 285256 Jackson County 10/1/11 10/1/11 9 5 5 C 280304 Lamar County 10/1/08 05/1/12 8 10 5 C 285257 Long Beach, City of 10/1/00 10/1/08 7 15 5 C 280229 Madison, City of 10/1/96 10/1/01 8 10 5 C 280096 Meridian, City of 10/1/92 05/1/08 8 10 5 C 285259 Ocean Springs, City of 10/1/92 05/1/08 7 15 5 C TABLE 2. COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES (continued) CRS 19 May 1, 2012 1 For the purpose of determining CRS discounts, all AR and A99 Zones are treated as non-SFHAs. 2 Status: C = Current, R = Rescinded COMMUNITY Num ber COMMUNITY NAME CRS ENTRY Dat e CURRE NT EFFECTIVE DATE CURRE NT CLASS % DISCOUNT FOR SFHA1 % DISCOUNT FOR NON-SFHA STATUS2 Mississippi (continued) 280094 Oxford, City of 05/1/12 05/1/12 8 10 5 C 280125 Panola County 05/1/12 05/1/12 8 10 5 C 285260 Pascagoula, City of 10/1/07 10/1/11 5 25 10 C 285261 Pass Christian, City of 10/1/93 10/1/03 6 20 10 C 280130 Picayune, City of 05/1/08 05/1/08 8 10 5 C 280110 Ridgeland, City of 10/1/94 05/1/11 6 20 10 C 280124 Starkville, City of 05/1/12 05/1/12 9 5 5 C 280300 Stone County 10/1/10 10/1/10 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 05/1/12 6 20 10 C 285262 Waveland, City of 10/1/93 10/1/06 5 25 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 290223 Hannibal, City of 05/1/11 05/1/11 8 10 5 C 290172 Independence, City of 10/1/91 10/1/01 7 15 5 C 290173 Kansas City, City of 10/1/09 10/1/09 9 5 5 C 290362 Kirkwood, City of 10/1/91 10/1/96 10 0 0 R 290475 Platte County 05/1/09 05/1/10 5 25 10 C 290315 St. Charles County 10/1/01 05/1/08 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 10/1/09 8 10 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 10/1/07 8 10 5 C 300010 Great Falls, City of 10/1/91 10/1/06 8 10 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 300049 Missoula, City of 10/1/91 05/1/02 8 10 5 C 300048 Missoula County 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 310187 DeWitt, Village of 05/1/11 05/1/11 9 5 5 C 315274 Omaha, City of 05/1/12 05/1/12 9 5 5 C 315275 Papillion, City of 10/1/10 10/1/10 8 10 5 C 310069 Fremont, City of 10/1/91 10/1/91 9 5 5 C 315273 Lincoln, City of 10/1/91 10/1/09 6 20 10 C 310078 Valley, City of 10/1/08 10/1/08 8 10 5 C Nevada 320001 Carson City, City of 10/1/94 10/1/09 6 20 10 C 320003 Clark County 10/1/92 05/1/08 6 20 10 C 320008 Douglas County 10/1/93 10/1/04 6 20 10 C 320005 Henderson, City of 10/1/91 05/1/08 6 20 10 C 325276 Las Vegas, City of 10/1/91 05/1/08 6 20 10 C 320035 Mesquite, City of 10/1/02 05/1/07 7 15 5 C 320007 North Las Vegas, City of 10/1/91 05/1/08 6 20 10 C TABLE 2. COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES (continued) CRS 20 May 1, 2012 1 For the purpose of determining CRS discounts, all AR and A99 Zones are treated as non-SFHAs. 2 Status: C = Current, R = Rescinded COMMUNITY Num ber COMMUNITY NAME CRS ENTRY Dat e CURRE NT EFFECTIVE DATE CURRE NT CLASS % DISCOUNT FOR SFHA1 % DISCOUNT FOR NON-SFHA STATUS2 Nevada (continued) 320033 Storey County 10/1/94 10/1/99 8 10 5 C 320019 Washoe County 05/1/09 05/1/09 7 15 5 C New Hampshire 330023 Keene, City of 05/1/02 05/1/08 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 10/1/10 10 0 0 R 330028 Winchester, Town of 05/1/02 05/1/02 9 5 5 C New Jersey 340312 Aberdeen, Township of 05/1/10 05/1/10 9 5 5 C 345278 Atlantic City, City of 10/1/92 10/1/00 9 5 5 C 345279 Avalon, Borough of 10/1/96 10/1/07 6 20 10 C 340396 Barnegat, Township of 10/1/92 10/1/97 10 0 0 R 345280 Barnegat Light, Borough of 10/1/92 10/1/01 8 10 5 C 345281 Bay Head, Borough of 10/1/93 10/1/98 8 10 5 C 345282 Beach Haven, Borough of 10/1/91 05/1/11 6 20 10 C 340427 Bedminster, Township of 10/1/96 05/1/07 6 20 10 C 340369 Berkeley, Township of 10/1/92 10/1/08 7 15 5 C 340459 Berkeley Heights, Township of 10/1/94 04/1/99 10 0 0 R 340428 Bernards, Township of 10/1/10 10/1/10 8 10 5 C 340178 Bloomfield, Township of 10/1/92 10/1/97 10 0 0 R 340289 Bradley Beach, Borough of 10/1/95 10/1/00 7 15 5 C 345286 Brigantine, City of 10/1/92 10/1/09 6 20 10 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 345292 Denville, Township of 10/1/11 10/1/11 9 5 5 C 340031 Englewood, City of 10/1/91 10/1/01 10 0 0 R 340434 Franklin, Township of 05/1/10 05/1/10 7 15 5 C 340037 Garfield, City of 05/1/12 05/1/12 9 5 5 C 340204 Greenwich, Township of 05/1/07 05/1/07 9 5 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 340298 Hazlet Township 05/1/11 05/1/11 8 10 5 C 340376 Lacey, Township of 10/1/92 10/1/93 10 0 0 R 340237 Lambertville, City of 05/1/12 05/1/12 8 10 5 C 340379 Lavallette, Borough of 05/1/04 05/1/05 8 10 5 C 345300 Lincoln Park, Borough of 10/1/91 10/1/06 10 0 0 R 340467 Linden, City of 10/1/91 10/1/02 8 10 5 C 340401 Little Falls, Township of 05/1/10 05/1/10 9 5 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 10/1/08 6 20 10 C 345302 Longport, Borough of 10/1/95 05/1/12 6 20 10 C 345303 Manasquan, Borough of 10/1/92 10/1/09 7 15 5 C 340383 Mantoloking, Borough of 10/1/92 10/1/08 6 20 10 C 345304 Margate City, City of 10/1/92 10/1/99 7 15 5 C 340313 Middleton Township 05/1/12 05/1/12 8 10 5 C 340188 Montclair, Township of 10/1/94 10/1/95 10 0 0 R 340517 Mullica, Township of 10/1/94 05/1/08 10 0 0 R TABLE 2. COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES (continued) CRS 21 May 1, 2012 1 For the purpose of determining CRS discounts, all AR and A99 Zones are treated as non-SFHAs. 2 Status: C = Current, R = Rescinded COMMUNITY Num ber COMMUNITY NAME CRS ENTRY Dat e CURRE NT EFFECTIVE DATE CURRE NT CLASS % DISCOUNT FOR SFHA1 % DISCOUNT FOR NON-SFHA STATUS2 New Jersey (continued) 340570 New Jersey Meadowlands Commission 10/1/92 05/1/09 7 15 5 C 345307 North Plainfield, Borough of 10/1/92 10/1/09 8 10 5 C 345308 North Wildwood, City of 10/1/00 10/1/00 7 15 5 C 345309 Oakland, Borough of 10/1/95 10/1/96 10 0 0 R 340518 Ocean, Township of 10/1/95 05/1/12 10 0 0 R 345310 Ocean City, City of 10/1/92 10/1/01 7 15 5 C 340320 Oceanport, Borough of 05/1/10 05/1/10 8 10 5 C 340110 Palmyra, Borough of 10/1/09 10/1/09 8 10 5 C 340355 Parsippany-Troy Hills, Township of 10/1/91 05/1/09 10 0 0 R 340512 Pennsville, Township of 10/1/92 10/1/97 10 0 0 R 345311 Pequannock, Township of 10/1/91 10/1/11 7 15 5 C 345312 Plainfield, City of 10/1/91 10/1/98 10 0 0 R 345313 Point Pleasant, Borough of 10/1/93 10/1/93 9 5 5 C 340388 Point Pleasant Beach, Borough of 10/1/92 05/1/09 9 5 5 C 345528 Pompton Lakes, Borough of 10/1/91 10/1/11 6 20 10 C 345314 Rahway, City of 10/1/92 05/1/09 7 15 5 C 340067 Ridgewood, Village of 10/1/92 10/1/02 7 15 5 C 340359 Riverdale, Borough of 10/1/94 10/1/94 9 5 5 C 340070 Rochelle Park, Township of 10/1/06 10/1/06 8 10 5 C 340472 Roselle, Borough of 10/1/92 01/1/98 8 10 5 C 340474 Scotch Plains, Township of 10/1/94 10/1/95 10 0 0 R 345317 Sea Bright, Borough of 10/1/92 10/1/97 10 0 0 R 345318 Sea Isle City, City of 10/1/92 10/1/95 10 0 0 R 345319 Seaside Park, Borough of 10/1/92 10/1/06 8 10 5 C 345320 Ship Bottom, Borough of 10/1/92 05/1/09 7 15 5 C 340329 Spring Lake, Borough of 10/1/94 10/1/99 8 10 5 C 340393 Stafford, Township of 10/1/91 05/1/08 6 20 10 C 345323 Stone Harbor, Borough of 10/1/94 05/1/09 7 15 5 C 345324 Surf City, Borough of 10/1/92 10/1/08 7 15 5 C 345293 Toms River, Township of 10/1/92 10/1/92 9 5 5 C 340395 Tuckerton, Borough of 10/1/93 10/1/98 10 0 0 R 340331 Union Beach, Borough of 10/1/03 10/1/03 8 10 5 C 340159 Upper Township 10/1/11 10/1/11 7 15 5 C 345326 Ventnor, City of 10/1/92 05/1/10 7 15 5 C 340446 Warren, Township of 05/1/10 05/1/10 9 5 5 C 345327 Wayne, Township of 10/1/91 10/1/00 8 10 5 C 345328 West Wildwood, Borough of 10/1/93 10/1/05 10 0 0 R 345330 Wildwood Crest, Borough of 10/1/93 10/1/03 8 10 5 C 345331 Woodbridge, Township of 10/1/92 10/1/97 10 0 0 R New Mexico 350045 Alamogordo, City of 10/1/91 10/1/91 9 5 5 C 350002 Albuquerque, City of 10/1/93 10/1/08 9 5 5 C 350001 Bernalillo County 10/1/93 05/1/08 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 10/1/08 8 10 5 C 350067 Farmington, City of 10/1/91 10/1/91 9 5 5 C 350029 Hobbs, City of 10/1/92 05/1/08 8 10 5 C 355332 Las Cruces, City of 10/1/91 10/1/08 6 20 10 C TABLE 2. COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES (continued) CRS 22 May 1, 2012 1 For the purpose of determining CRS discounts, all AR and A99 Zones are treated as non-SFHAs. 2 Status: C = Current, R = Rescinded COMMUNITY Num ber COMMUNITY NAME CRS ENTRY Dat e CURRE NT EFFECTIVE DATE CURRE NT CLASS % DISCOUNT FOR SFHA1 % DISCOUNT FOR NON-SFHA STATUS2 New Mexico (continued) 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 350064 San Juan County 05/1/08 05/1/08 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 05/1/08 9 5 5 C 360790 Babylon, Town of 10/1/92 10/1/93 10 0 0 R 360988 Bayville, Village of 10/1/92 10/1/03 8 10 5 C 360148 Big Flats, Town of 10/1/91 10/1/96 8 10 5 C 361342 Brightwaters, Village of 10/1/93 10/1/98 10 0 0 R 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 05/1/08 9 5 5 C 360772 Corning, City of 10/1/91 05/1/08 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 05/1/08 8 10 5 C 361194 Esperance, Town of 10/1/10 10/1/10 9 5 5 C 360464 Freeport, Village of 10/1/92 10/1/09 7 15 5 C 360466 Great Neck Estates, Village of 10/1/10 05/1/12 8 10 5 C 360417 Greece, Town of 10/1/92 10/1/10 8 10 5 C 360777 Hornellsville, Town of 10/1/91 10/1/92 10 0 0 R 360153 Horseheads, Town of 10/1/91 10/1/91 9 5 5 C 360154 Horseheads, Village of 10/1/91 10/1/91 9 5 5 C 360308 Ilion, Village of 10/1/00 10/1/00 9 5 5 C 360047 Johnson City, Village of 10/1/91 10/1/91 9 5 5 C 360247 Lackawanna, City of 05/1/03 05/1/03 9 5 5 C 360476 Lawrence, Village of 10/1/92 05/1/07 7 15 5 C 365338 Long Beach, City of 10/1/09 10/1/09 8 10 5 C 360118 Moravia, Village of 05/1/09 05/1/09 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 10/1/08 10 0 0 R 360667 Oneonta, City of 10/1/94 05/1/11 10 0 0 R 360780 Pulteney, Town of 10/1/91 10/1/93 10 0 0 R 360932 Scarsdale, Village of 10/1/93 10/1/98 8 10 5 C 365342 Southampton, Town of 10/1/95 10/1/05 8 10 5 C 365343 Southampton, Village of 10/1/92 10/1/93 10 0 0 R 360156 Southport, Town of 10/1/91 10/1/91 9 5 5 C 360595 Syracuse, City of 10/1/93 05/1/10 8 10 5 C 360056 Union, Town of 10/1/91 10/1/08 8 10 5 C 361057 Veteran, Town of 10/1/91 10/1/96 10 0 0 R 360157 Wellsburg, Village of 10/1/91 10/1/91 9 5 5 C North Carolina 370404 Alliance, Town of 10/1/92 10/1/92 9 5 5 C 370044 Atlantic Beach, Town of 10/1/92 10/1/93 8 10 5 C 370183 Bayboro, Town of 10/1/92 10/1/92 9 5 5 C 375346 Beaufort, City of 10/1/94 10/1/05 8 10 5 C 370015 Belhaven, Town of 10/1/93 10/1/94 8 10 5 C 370253 Boone, Town of 10/1/91 10/1/00 7 15 5 C TABLE 2. COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES (continued) CRS 23 May 1, 2012 1 For the purpose of determining CRS discounts, all AR and A99 Zones are treated as non-SFHAs. 2 Status: C = Current, R = Rescinded COMMUNITY Num ber COMMUNITY NAME CRS ENTRY Dat e CURRE NT EFFECTIVE DATE CURRE NT CLASS % DISCOUNT FOR SFHA1 % DISCOUNT FOR NON-SFHA STATUS2 North Carolina (continued) 370231 Brevard, City of 10/1/92 10/1/07 8 10 5 C 370036 Cabarrus County 10/1/91 05/1/07 8 10 5 C 370039 Caldwell County 04/1/00 04/1/00 9 5 5 C 370046 Cape Carteret, Town of 10/1/93 10/1/03 8 10 5 C 375347 Carolina Beach, Town of 10/1/93 04/1/99 7 15 5 C 370043 Carteret County 10/1/91 10/1/92 8 10 5 C 370238 Cary, Town of 10/1/92 10/1/96 10 0 0 R 370391 Caswell Beach, City of 10/1/94 10/1/00 7 15 5 C 370465 Cedar Point, Town of 10/1/92 10/1/07 8 10 5 C 370159 Charlotte, City of 10/1/91 05/1/06 5 25 10 C 370263 Clinton, City of 10/1/94 05/1/09 8 10 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 10/1/10 8 10 5 C 370078 Currituck County 10/1/93 05/1/08 8 10 5 C 375348 Dare County 10/1/91 05/1/08 8 10 5 C 370632 Duck, Town of 10/1/11 10/1/11 7 15 5 C 370085 Durham County 10/1/92 10/1/08 8 10 5 C 370062 Edenton, Town of 10/1/93 05/1/08 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 05/1/12 6 20 10 C 375349 Forsyth County 10/1/93 05/1/08 8 10 5 C 370099 Gaston County 10/1/11 10/1/11 9 5 5 C 370255 Goldsboro, City of 10/1/93 05/1/03 8 10 5 C 375351 Greensboro, City of 05/1/09 05/1/09 8 10 5 C 370191 Greenville, City of 10/1/92 10/1/07 7 15 5 C 370192 Grifton, Town of 10/1/04 05/1/08 5 25 10 C 370111 Guilford County 10/1/93 10/1/08 8 10 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 10/1/05 8 10 5 C 375353 Kill Devil Hills, City of 10/1/91 10/1/11 6 20 10 C 370145 Kinston, City of 10/1/94 05/1/06 5 25 10 C 370439 Kitty Hawk, Town of 10/1/91 10/1/02 6 20 10 C 370144 Lenoir County 10/1/94 05/1/06 7 15 5 C 370081 Lexington, City of 10/1/93 05/1/08 7 15 5 C 375355 Manteo, Town of 10/1/91 05/1/08 8 10 5 C 370158 Mecklenburg County 10/1/91 05/1/06 6 20 10 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 05/1/08 8 10 5 C 370049 Newport, Town of 10/1/92 10/1/07 8 10 5 C 370466 North Topsail Beach, Town of 10/1/92 10/1/02 7 15 5 C 370523 Oak Island, Town of 10/1/91 05/1/08 8 10 5 C 375357 Ocean Isle Beach, Town of 10/1/92 05/1/08 8 10 5 C 370342 Orange County 10/1/11 10/1/11 8 10 5 C TABLE 2. COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES (continued) CRS 24 May 1, 2012 1 For the purpose of determining CRS discounts, all AR and A99 Zones are treated as non-SFHAs. 2 Status: C = Current, R = Rescinded COMMUNITY Num ber COMMUNITY NAME CRS ENTRY Dat e CURRE NT EFFECTIVE DATE CURRE NT CLASS % DISCOUNT FOR SFHA1 % DISCOUNT FOR NON-SFHA STATUS2 North Carolina (continued) 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 05/1/06 6 20 10 C 370372 Pitt County 10/1/02 05/1/12 7 15 5 C 370249 Plymouth, Town of 10/1/94 10/1/99 8 10 5 C 370243 Raleigh, City of 10/1/91 10/1/06 7 15 5 C 370432 River Bend, Town of 05/1/10 05/1/10 8 10 5 C 370092 Rocky Mount, City of 10/1/92 05/1/08 7 15 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 10/1/11 7 15 5 C 370028 Southport, City of 10/1/91 10/1/05 8 10 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 370094 Tarboro, Town of 10/1/06 10/1/11 7 15 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 370017 Washington, City of 10/1/92 05/1/12 7 15 5 C 370247 Washington County 10/1/94 10/1/99 8 10 5 C 370268 Washington Park, Town of 10/1/92 10/1/07 8 10 5 C 370251 Watauga County 10/1/91 10/1/91 9 5 5 C 370254 Wayne County 10/1/93 05/1/12 6 20 10 C 370464 Whispering Pines, Village of 10/1/91 10/1/96 10 0 0 R 370071 Whiteville, City of 10/1/96 10/1/05 8 10 5 C 370270 Wilson, City of 10/1/91 05/1/11 6 20 10 C 375360 Winston-Salem, City of 10/1/93 05/1/08 8 10 5 C 370193 Winterville, Town of 10/1/93 10/1/97 10 0 0 R 375361 Wrightsville Beach, Town of 10/1/91 05/1/08 8 10 5 C North Dakota 385364 Fargo, City of 05/1/06 05/1/06 7 15 5 C 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 05/1/09 7 15 5 C 390378 Medina County 05/1/07 05/1/12 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 390472 Ottawa, Village of 10/1/95 10/1/95 9 5 5 C 390432 Ottawa County 10/1/92 10/1/92 9 5 5 C 390460 Preble County 10/1/98 10/1/98 9 5 5 C 390479 Shelby, City of 10/1/92 05/1/12 8 10 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 05/1/09 8 10 5 C TABLE 2. COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES (continued) CRS 25 May 1, 2012 1 For the purpose of determining CRS discounts, all AR and A99 Zones are treated as non-SFHAs. 2 Status: C = Current, R = Rescinded COMMUNITY Num ber COMMUNITY NAME CRS ENTRY Dat e CURRE NT EFFECTIVE DATE CURRE NT CLASS % DISCOUNT FOR SFHA1 % DISCOUNT FOR NON-SFHA STATUS2 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 10/1/08 5 25 10 C 400234 Chickasha, City of 10/1/92 10/1/08 8 10 5 C 400221 Dewey, City of 10/1/92 10/1/92 9 5 5 C 400252 Edmond, City of 10/1/93 10/1/08 7 15 5 C 400062 Enid, City of 10/1/93 05/1/09 8 10 5 C 400049 Lawton, City of 10/1/91 05/1/09 6 20 10 C 400245 Lindsay, City of 10/1/92 10/1/93 10 0 0 R 400046 Norman, City of 10/1/11 10/1/11 5 25 10 C 400080 Ponca City, City of 05/1/10 05/1/10 6 20 10 C 400211 Sand Springs, City of 10/1/91 10/1/06 6 20 10 C 400053 Sapulpa, City of 10/1/92 10/1/93 10 0 0 R 405380 Stillwater, City of 10/1/91 05/1/12 6 20 10 C 405381 Tulsa, City of 10/1/91 10/1/03 2 40 10 C Oregon 410137 Albany, City of 10/1/91 05/1/12 6 20 10 C 410090 Ashland, City of 10/1/91 10/1/07 7 15 5 C 410043 Bandon, City of 05/1/05 05/1/10 10 0 0 R 410240 Beaverton, City of 10/1/91 10/1/94 10 0 0 R 410008 Benton County 10/1/02 10/1/07 6 20 10 C 410029 Cannon Beach, City of 10/1/94 10/1/99 7 15 5 C 410092 Central Point, City of 10/1/92 05/1/12 6 20 10 C 415588 Clackamas County 10/1/04 10/1/04 5 25 10 C 410009 Corvallis, City of 10/1/91 05/1/12 6 20 10 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 05/1/12 9 5 5 C 410175 Heppner, City of 05/1/06 05/1/06 8 10 5 C 415589 Jackson County 10/1/91 05/1/02 7 15 5 C 415591 Lane County 05/1/09 05/1/09 7 15 5 C 410154 Marion County 04/1/01 05/1/07 6 20 10 C 410096 Medford, City of 10/1/94 05/1/09 8 10 5 C 410064 Myrtle Creek, City of 05/1/03 05/1/08 10 0 0 R 410200 Nehalam, City of 10/1/03 05/1/08 7 15 5 C 410021 Oregon City, City of 10/1/03 05/1/08 7 15 5 C 410186 Polk County 10/1/91 10/1/01 8 10 5 C 410183 Portland, City of 10/1/01 10/1/07 5 25 10 C 410201 Rockaway Beach, City of 10/1/04 10/1/09 7 15 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 410167 Salem, City of 05/1/08 10/1/09 7 15 5 C 410039 Scappoose, City of 10/1/93 05/1/08 7 15 5 C 410144 Scio, City of 05/1/04 05/1/10 8 10 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 05/1/06 9 5 5 C 410202 Tillamook, City of 10/1/06 05/1/11 7 15 5 C 410196 Tillamook County 04/1/01 04/1/01 6 20 10 C 410184 Troutdale, City of 05/1/08 05/1/08 8 10 5 C TABLE 2. COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES (continued) CRS 26 May 1, 2012 1 For the purpose of determining CRS discounts, all AR and A99 Zones are treated as non-SFHAs. 2 Status: C = Current, R = Rescinded COMMUNITY Num ber COMMUNITY NAME CRS ENTRY Dat e CURRE NT EFFECTIVE DATE CURRE NT CLASS % DISCOUNT FOR SFHA1 % DISCOUNT FOR NON-SFHA STATUS2 Pennsylvania 420339 Bloomsburg, Town of 10/1/93 10/1/03 8 10 5 C 422034 Chapman, Township of 10/1/07 10/1/07 9 5 5 C 420714 Danville, Borough of 10/1/06 10/1/06 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 420608 Hanover Township 10/1/10 10/1/10 9 5 5 C 420380 Harrisburg, City of 10/1/91 05/1/12 7 15 5 C 420735 Herndon, Borough of 10/1/07 10/1/07 8 10 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 05/1/10 8 10 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 05/1/08 8 10 5 C 421020 Monroe, Township of 10/1/07 10/1/07 9 5 5 C 420754 Newport, Borough of 10/1/94 10/1/09 8 10 5 C 420739 Northumberland, Borough of 10/1/07 10/1/07 8 10 5 C 421024 Penn, Township of 10/1/07 10/1/07 8 10 5 C 421026 Point, Township of 10/1/07 10/1/10 10 0 0 R 425387 Selinsgrove, Borough of 10/1/07 10/1/07 7 15 5 C 421101 Shaler, Township of 10/1/94 10/1/04 8 10 5 C 420743 Sunbury, City of 10/1/07 10/1/07 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 420745 Upper Augusta, Township of 10/1/07 10/1/07 8 10 5 C 421119 Upper St. Clair, Township of 10/1/98 10/1/09 7 15 5 C 420631 Wilkes-Barre, City of 10/1/92 05/1/08 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 10/1/07 8 10 5 C 445404 North Kingstown, Town of 10/1/93 10/1/93 9 5 5 C 440022 Pawtucket, City of 10/1/02 10/1/07 10 0 0 R South Carolina 450002 Aiken County 10/1/93 10/1/93 9 5 5 C 450262 Awendaw, Town of 10/1/96 10/1/05 6 20 10 C 450026 Beaufort, City of 10/1/92 05/1/08 8 10 5 C 450025 Beaufort County 10/1/91 05/1/12 6 20 10 C 450029 Berkeley County 05/1/08 05/1/08 9 5 5 C 450131 Cayce, City of 05/1/10 05/1/10 9 5 5 C 455412 Charleston, City of 10/1/93 05/1/05 7 15 5 C 455413 Charleston County 10/1/95 05/1/10 4 30 10 C 450056 Colleton County 05/1/05 05/1/07 7 15 5 C 455414 Edisto Beach, Town of 10/1/92 05/1/12 7 15 5 C 450078 Florence, City of 10/1/91 10/1/10 7 15 5 C 450076 Florence County 05/1/10 05/1/10 9 5 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 450085 Georgetown County 05/1/10 05/1/10 8 10 5 C TABLE 2. COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES (continued) CRS 27 May 1, 2012 1 For the purpose of determining CRS discounts, all AR and A99 Zones are treated as non-SFHAs. 2 Status: C = Current, R = Rescinded COMMUNITY Num ber COMMUNITY NAME CRS ENTRY Dat e CURRE NT EFFECTIVE DATE CURRE NT CLASS % DISCOUNT FOR SFHA1 % DISCOUNT FOR NON-SFHA STATUS2 South Carolina (continued) 450091 Greenville, City of 10/1/91 10/1/04 7 15 5 C 450089 Greenville County 10/1/93 10/1/03 8 10 5 C 450250 Hilton Head Island, Town of 10/1/91 05/1/10 5 25 10 C 450037 Hollywood, Town of 10/1/10 10/1/10 6 20 10 C 450104 Horry County 10/1/10 10/1/10 9 5 5 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 10/1/07 8 10 5 C 450039 McClellanville, Town of 10/1/00 10/1/10 6 20 10 C 450040 Meggett, City of 10/1/96 10/1/05 6 20 10 C 455417 Mount Pleasant, City of 10/1/94 10/1/10 6 20 10 C 450109 Myrtle Beach, City of 10/1/91 05/1/03 5 25 10 C 450042 North Charleston, City of 05/1/03 10/1/07 7 15 5 C 450110 North Myrtle Beach, Town of 10/1/91 10/1/97 7 15 5 C 450255 Pawley’s Island, Town of 10/1/05 10/1/09 6 20 10 C 450166 Pickens County 04/1/99 05/1/04 8 10 5 C 450028 Port Royal, Town of 05/1/11 05/1/11 9 5 5 C 450043 Ravenel, Town of 10/1/96 10/1/05 6 20 10 C 450170 Richland County 10/1/95 10/1/10 8 10 5 C 450249 Rockville, Town of 10/1/98 10/1/05 6 20 10 C 450256 Seabrook Island, Town of 10/1/95 10/1/00 6 20 10 C 455418 Sullivans Island, Town of 05/1/04 10/1/10 6 20 10 C 450184 Sumter, City of 10/1/92 05/1/12 8 10 5 C 450182 Sumter County 10/1/92 05/1/12 8 10 5 C 450111 Surfside Beach, Town of 10/1/10 10/1/10 9 5 5 C 450193 York County 10/1/09 10/1/09 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 10/1/09 8 10 5 C 470182 Bristol, City of 05/1/06 10/1/07 8 10 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 10/1/09 8 10 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 10/1/06 8 10 5 C 470070 Morristown, City of 10/1/92 10/1/93 10 0 0 R 470040 Nashville, City of & Davidson County 10/1/91 10/1/06 8 10 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 470204 Williamson County 10/1/08 10/1/08 9 5 5 C Texas 485454 Arlington, City of 10/1/91 10/1/10 7 15 5 C 480624 Austin, City of 10/1/91 05/1/10 6 20 10 C 481193 Bastrop County 10/1/04 10/1/04 8 10 5 C 485456 Baytown, City of 10/1/91 05/1/06 6 20 10 C TABLE 2. COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES (continued) CRS 28 May 1, 2012 1 For the purpose of determining CRS discounts, all AR and A99 Zones are treated as non-SFHAs. 2 Status: C = Current, R = Rescinded COMMUNITY Num ber COMMUNITY NAME CRS ENTRY Dat e CURRE NT EFFECTIVE DATE CURRE NT CLASS % DISCOUNT FOR SFHA1 % DISCOUNT FOR NON-SFHA STATUS2 Texas (continued) 485457 Beaumont, City of 10/1/08 10/1/08 8 10 5 C 480289 Bellaire, City of 10/1/93 10/1/08 8 10 5 C 480586 Benbrook, City of 10/1/91 10/1/06 6 20 10 C 480878 Bevil Oaks, City of 05/1/10 10/1/11 7 15 5 C 480082 Bryan, City of 10/1/95 10/1/11 6 20 10 C 485459 Burleson, City of 10/1/91 05/1/12 7 15 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 480083 College Station, City of 05/1/10 05/1/10 7 15 5 C 480484 Conroe, City of 10/1/92 05/1/02 7 15 5 C 480170 Coppell, City of 10/1/93 10/1/08 7 15 5 C 485464 Corpus Christi, City of 10/1/91 10/1/91 9 5 5 C 480171 Dallas, City of 10/1/91 05/1/11 5 25 10 C 480291 Deer Park, City of 10/1/00 10/1/00 9 5 5 C 480194 Denton, City of 10/1/91 05/1/07 6 20 10 C 480774 Denton County 10/1/92 10/1/93 10 0 0 R 480173 Duncanville, City of 10/1/91 05/1/12 7 15 5 C 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 05/1/12 5 25 10 C 480266 Guadalupe County 05/1/09 05/1/09 8 10 5 C 480287 Harris County 05/1/04 05/1/04 8 10 5 C 480296 Houston, City of 05/1/02 10/1/09 5 25 10 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 05/1/11 8 10 5 C 480195 Lewisville, City of 10/1/91 10/1/96 7 15 5 C 480043 Live Oak, City of 05/1/10 05/1/10 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 480304 Missouri City, City of 05/1/10 05/1/10 7 15 5 C 485491 Nassau Bay, City of 10/1/92 05/1/09 7 15 5 C 480607 North Richland Hills, City of 10/1/91 05/1/09 6 20 10 C 480206 Odessa, City of 10/1/92 10/1/08 7 15 5 C 480307 Pasadena, City of 10/1/91 05/1/10 7 15 5 C 480077 Pearland, City of 05/1/05 10/1/10 7 15 5 C 481028 Pflugerville, City of 05/1/11 05/1/11 7 15 5 C 480140 Plano, City of 10/1/92 10/1/08 5 25 10 C 485499 Port Arthur, City of 10/1/91 10/1/91 9 5 5 C 480184 Richardson, City of 10/1/91 10/1/11 7 15 5 C 485505 San Marcos, City of 10/1/92 10/1/02 7 15 5 C 485507 Seabrook, City of 10/1/02 10/1/11 7 15 5 C 480234 Sugar Land, City of 05/1/10 05/1/10 7 15 5 C 481127 Sunset Valley, City of 05/1/10 05/1/10 8 10 5 C 480502 Sweetwater, City of 10/1/91 05/1/08 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 05/1/06 8 10 5 C 480654 Wharton, City of 10/1/11 10/1/11 8 10 5 C 480662 Wichita Falls, City of 10/1/91 10/1/07 8 10 5 C TABLE 2. COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES (continued) CRS 29 May 1, 2012 1 For the purpose of determining CRS discounts, all AR and A99 Zones are treated as non-SFHAs. 2 Status: C = Current, R = Rescinded COMMUNITY Num ber COMMUNITY NAME CRS ENTRY Dat e CURRE NT EFFECTIVE DATE CURRE NT CLASS % DISCOUNT FOR SFHA1 % DISCOUNT FOR NON-SFHA STATUS2 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 10/1/08 7 15 5 C 490019 Logan, City of 10/1/93 10/1/03 8 10 5 C 490072 Moab, City of 04/1/01 10/1/11 9 5 5 C 490214 North Ogden, City of 10/1/93 10/1/08 9 5 5 C 490216 Orem, City of 10/1/93 05/1/08 7 15 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 10/1/09 7 15 5 C 515520 Arlington County 10/1/92 10/1/08 8 10 5 C 510134 Bridgewater, Town of 10/1/96 05/1/06 8 10 5 C 510106 Cape Charles, Town of 05/1/10 05/1/10 9 5 5 C 510002 Chincoteague, City of 10/1/00 10/1/03 8 10 5 C 515525 Fairfax County 10/1/93 05/1/09 7 25 10 C 510054 Falls Church, City of 05/1/07 05/1/12 7 15 5 C 510071 Gloucester County 10/1/95 05/1/11 7 15 5 C 515527 Hampton, City of 05/1/11 05/1/11 8 10 5 C 510201 James City County 10/1/92 05/1/10 8 10 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 510130 Roanoke, City of 10/1/96 10/1/08 7 15 5 C 510190 Roanoke County 10/1/91 10/1/06 8 10 5 C 510154 Stafford County 05/1/11 05/1/11 8 10 5 C 510053 Vienna, Town of 10/1/96 10/1/11 8 10 5 C 510005 Wachapreague, Town of 10/1/96 10/1/96 9 5 5 C 510182 York County 10/1/05 10/1/10 8 10 5 C Washington 530073 Auburn, City of 10/1/92 05/1/08 5 25 10 C 530074 Bellevue, City of 10/1/92 05/1/06 5 25 10 C 530153 Burlington, City of 10/1/94 10/1/09 5 25 10 C 530103 Centralia, City of 10/1/94 10/1/09 5 25 10 C 530104 Chehalis, City of 10/1/94 05/1/10 5 25 10 C 530024 Clark County 10/1/04 10/1/09 5 25 10 C 530051 Ephrata, City of 10/1/00 05/1/10 7 15 5 C 530200 Everson, City of 10/1/94 10/1/09 7 15 5 C TABLE 2. COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES (continued) CRS 30 May 1, 2012 1 For the purpose of determining CRS discounts, all AR and A99 Zones are treated as non-SFHAs. 2 Status: C = Current, R = Rescinded COMMUNITY Num ber COMMUNITY NAME CRS ENTRY Dat e CURRE NT EFFECTIVE DATE CURRE NT CLASS % DISCOUNT FOR SFHA1 % DISCOUNT FOR NON-SFHA STATUS2 Washington (continued) 530140 Fife, City of 05/1/06 10/1/09 5 25 10 C 530166 Index, Town of 04/1/98 05/1/08 6 20 10 C 530079 Issaquah, City of 10/1/92 05/1/08 5 25 10 C 530080 Kent, City of 05/1/10 05/1/10 6 20 10 C 530071 King County 10/1/91 10/1/07 2 40 10 C 530156 La Conner, Town of 10/1/96 05/1/12 7 15 5 C 530102 Lewis County 10/1/94 10/1/99 7 15 5 C 530316 Lower Elwha/Klallam Tribe 10/1/00 10/1/10 8 10 5 C 530331 Lummi Nation 05/1/10 05/1/10 8 10 5 C 530169 Monroe, City of 10/1/91 05/1/06 5 25 10 C 530158 Mount Vernon, City of 05/1/97 10/1/07 7 15 5 C 530085 North Bend, City of 10/1/95 05/1/06 6 20 10 C 530143 Orting, City of 05/1/08 10/1/09 6 20 10 C 530138 Pierce County 10/1/95 05/1/12 2 40 10 C 530088 Renton, City of 10/1/94 10/1/09 6 20 10 C 530151 Skagit County 04/1/98 10/1/08 4 30 10 C 535534 Snohomish County 05/1/06 10/1/10 4 30 10 C 530090 Snoqualmie, City of 10/1/92 05/1/02 5 25 10 C 530173 Sultan, City of 10/1/03 05/1/08 7 15 5 C 530204 Sumas, City of 10/1/93 05/1/08 7 15 5 C 530188 Thurston County 10/1/00 10/1/00 5 25 10 C 530193 Wahkiakum County 10/1/07 10/1/07 8 10 5 C 530067 Westport, City of 10/1/09 10/1/09 6 20 5 C 530198 Whatcom County 10/1/96 10/1/06 6 20 10 C 530217 Yakima County 10/1/07 10/1/07 8 10 5 C West Virginia 540282 Berkeley County 10/1/11 10/1/11 7 15 5 C 540199 Buckhannon, City of 05/1/07 05/1/07 8 10 5 C 540073 Charleston, City of 10/1/11 10/1/11 9 5 5 C 540065 Jefferson County 10/1/06 05/1/12 8 10 5 C 540004 Philippi, City of 05/1/03 05/1/03 8 10 5 C Wisconsin 550001 Adams County 10/1/91 05/1/12 7 15 5 C 550612 Allouez, Village of 10/1/92 05/1/12 6 20 10 C 550128 Eau Claire, City of 10/1/91 10/1/08 7 15 5 C 550578 Elm Grove, Village of 04/1/01 05/1/12 5 25 10 C 550366 Evansville, City of 05/1/10 05/1/10 7 15 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 05/1/12 8 10 5 C 550487 New Berlin, City of 10/1/05 05/1/10 7 15 5 C 550310 Ozaukee County 10/1/91 10/1/07 8 10 5 C 550660 Suamico, Village of 05/1/08 05/1/08 8 10 5 C 550107 Watertown, City of 10/1/91 10/1/07 7 15 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 TABLE 2. COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES (continued) CRS 31 May 1, 2012 1 For the purpose of determining CRS discounts, all AR and A99 Zones are treated as non-SFHAs. 2 Status: C = Current, R = Rescinded COMMUNITY Num ber COMMUNITY NAME CRS ENTRY Dat e CURRE NT EFFECTIVE DATE CURRE NT CLASS % DISCOUNT FOR SFHA1 % DISCOUNT FOR NON-SFHA STATUS2 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 10/1/10 8 10 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 Puerto Rico 720101 Ponce, Municipality of 10/1/09 10/1/09 9 5 5 C IND 1 October 1, 2011 A ABOVE GROUND BUILDING, PRINCIPALLY................... GR 3, DEF 7 ACT................................................................. REF 1, GR 7, DEF 1 ACTUAL CASH VALUE (ACV)..................................................DEF 1 ADDITIONS AND EXTENSIONS (TO BUILDING)..........GR 5, RATE 15 ADJUSTER CONTROL OFFICE.......................................CL 3, DEF 1 ALTERNATIVE RATES.............................. RATE 20, END 1–2, DEF 1 ANCHORED........................................................... GR 3–4, DEF 1 APPLICATION.................................GR 14, APP 1–15, CONDO 7–8, PRP 7–10, DEF 1 Binder or Certificate of Insurance........................ GR 15, DEF 1 Flood Insurance Application Form ...........................APP 13–15 Incomplete/Incorrect Applications..................................APP 11 Mailing Instructions..................................GR 8, 14, APP 10–11 APPURTENANT STRUCTURE....................................... GR 3, DEF 1 ASSESSMENT COVERAGE......................... GR 12, 13, CONDO 6–7 ASSIGNMENT OF POLICY............................GR 15, MPPP 4, DEF 1 B BASE FLOOD.......................................................................DEF 1 BASE FLOOD DEPTH............................................. RATE 18, DEF 1 BASE FLOOD ELEVATION (BFE).......................GR 14, RATE 23–25, MAP 1, 2, DEF 1 BASEMENT............................APP 1, 3, RATE 25, CERT 3–5, DEF 1 BINDER OR CERTIFICATE OF INSURANCE.................. GR 15, DEF 1 BLANKET INSURANCE.........................................................DEF 1 BOATHOUSES....................................................................... GR 4 BREAKAWAY WALLS..............................GR 5, RATE 19–24, DEF 1 BUILDING................................................ GR 3–7, APP 3–4, DEF 1 Additions and Extensions ..................................GR 5, RATE 15 Building Coverage Limits...............................................RATE 1 Building in the Course of Construction.......................... GR 4-5, APP 5–6, CONDO 5–6, DEF 1 Buildings in More Than One Flood Zone.............GR 14, RATE 16 Building on Fill...................................................................PR 2 Building Over Water...................................................... GR 4, 7 Building Partially Underground.......................................... GR 7 Container-Type Building.................................................... GR 7 Contents......................... GR 6, 7, 8, 13, APP 5, RATE 1, 26–28 Elevated Building..............APP 1, 4, 5, 6, 8, RATE 19–20, DEF 3 Floodproofed Building...................... RATE 30, CERT 3–4, DEF 4 Manufactured (Mobile) Home/Travel Trailer.................. GR 3–4, APP 1, 4, 5, 6, 9, 10, RATE 15, 16, PR 1, DEF 3, 5, 9 Section 1316.........................................................GR 7, DEF 8 Single Building...................................................... GR 5, DEF 8 Start of Construction........................................ RATE 15, DEF 9 Substantial Improvement....................... APP 6, RATE 15, DEF 9 Types of Buildings...............................APP 1, 3–4, CONDO 7–8 BUILDING DIAGRAMS 1–9........................... LFG 5–8, CERT 23–25 BUILDING DRAWINGS..................................................LFG 10–84 BUILDING OCCUPANCY..................................................... GR 5–6 BUSINESS CONSULTANT, WYO.............................................REF 2 C CANCELLATION/NULLIFICATION..........................CONDO 7, PRP 6, MPPP 4, CN 1–10, DEF 2, 6 Cancellation/Nullification Request Form..................... CN 9–10 Form Completion.............................................................. CN 7 Processing Outcomes Table.............................................. CN 8 Valid Reason Codes for Cancellation/Nullification......... CN 1–6 Refunds....................................................................... CN 1–6 CERTIFICATIONS.......................................................... CERT 1–25 CISTERNS............................................................. GR 4, 6, DEF 2 CLAIMS.............................................................................CL 1–4 Appealing a Claim......................................................... CL 1–3 Filing a Claim....................................................................CL 1 Increased Cost of Compliance (ICC) Claims........................CL 4 Insured’s Responsibilities.............................................. CL 1–3 Producer’s Responsibilities.............................................CL 3,4 Single Adjuster Program.....................................CL 3–4, DEF 8 Training.............................................................................CL 4 CLAIMS COORDINATING OFFICE (CCO).....................CL 3–4, DEF 2 CLOSED BASIN LAKE..................................................CN 6, DEF 2 COASTAL BARRIER...............................................................DEF 2 COASTAL BARRIER RESOURCES SYSTEM (CBRS)............................................CBRS 1–10, 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 3–10 COASTAL HIGH HAZARD AREA............................... RATE 29, DEF 2 COINSURANCE....................................................CONDO 6, DEF 2 COMMERCIAL CONTENTS.....................................GR 6, CONDO 2 COMMISSION, PRODUCER’S......................GR 15, CONDO 8, CN 8 COMMON INTERIOR WALLS.................................................. GR 5 COMMUNITY (See also PROBATION and SUSPENSION)...................................GR 1, APP 2–3, DEF 2 Community Eligibility........................................................ GR 1 Community Number.............................................. APP 2, DEF 2 Community Status...........................................................APP 2 Non-Participating Community................................. GR 1, APP 3 Participating Community........................................ GR 1, DEF 7 Regular Program Community............................................DEF 8 COMMUNITY RATING SYSTEM (CRS)......... APP 7, CRS 1–30, DEF 2 CONDOMINIUM ASSOCIATION......................CONDO 1–2, 5, DEF 2 CONDOMINIUMS...........................................CONDO 1–31, DEF 2 CONSTRUCTION DATA......................................................APP 5–6 CONTACT INFORMATION, NFIP..........................................REF 3–5 CONTENTS.......................... GR 6, 7, 8, 13, APP 5, RATE 1, 26–28 CONTINUOUS LAKE FLOODING.............................................. CN 6 CONTRACT AGENT................................................... GR 15, DEF 2 COOPERATIVES.................................................................... GR 7 COUNTYWIDE MAP..................................................MAP 1, DEF 2 COURSE OF CONSTRUCTION......................................GR 5, APP 5, CONDO 5–6, DEF 2 COVERAGE.......................GR 11–13, RATE 1–11, 14, CONDO 6–7, PRP 2, 4–6, MPPP 3, END 1 Additional Coverage or Increase in Coverage................... END 1 Amount of Insurance Available.......................................RATE 1 Building Coverage........................................... GR 6–7, RATE 1, CONDO 9, PRP 1, 2, 4–6 Contents Coverage..................... GR 6, 7, 8, 13, APP 5, RATE 1, CONDO 8, PRP 1, 2, 4–6 Contents-Only Coverage.......................RATE 55, PRP 1, 2, 5–6 Limits of Coverage............................................GR 11, RATE 1, CONDO 6–8, PRP 1, 4–5, MPPP 3 Reduction or Reformation/Removal of Insurance............................. GR 12, END 1, MPPP 4, PR 1 CRAWLSPACE..........................................RATE 25, LFG 2, CERT 2, CONDO 10–18, DEF 2 CREDIT CARD PAYMENT............................APP 8, REN 2, 8, MAP 4 CREDIT CARD PAYMENT FORM........................................ REN 2, 8 D DATE OF CONSTRUCTION....................... APP 5–6, RATE 15, DEF 3 DECLARATIONS PAGE........................................MPPP 3–4, DEF 3 DEDUCTIBLE BUYBACK......................................... RATE 12, DEF 3 INDEX IND 2 May 1, 2012 DEDUCTIBLE FACTORS...................................RATE 13, CONDO 22 DEDUCTIBLES.........................................GR 11, RATE 12, 13, 16, CONDO 7, 22, PRP 3, MPPP 4, END 3 DEFINITIONS................................................................... DEF 1–9 DESCRIBED LOCATION.........................................................DEF 3 DIAGRAM NUMBER..............................................................DEF 3 DIRECT PHYSICAL LOSS BY OR FROM FLOOD.......................DEF 3 DIRECT PROGRAM.......................REF 2, GR 15, APP 11, CONDO 7 DISASTER ASSISTANCE...............................GR 3, APP 1, PRP 1, 7 DOUBLEWIDE MANUFACTURED (MOBILE) HOME...................DEF 3 DUPLICATE POLICIES........................................................ CN 2, 4 DWELLING ..........................................................................DEF 3 DWELLING FORM (See also STANDARD FLOOD INSURANCE POLICY)..........................GR 1–2, CONDO 7, POL 1, 3–24, DEF 3 E EFFECTIVE DATE.................................................. GR 8–11, REN 2 ELEVATED BUILDING (See also LOWEST FLOOR GUIDE)............. APP 5, 9–10, RATE 18–20, DEF 3 ELEVATION CERTIFICATE....... APP 6–7, LFG 3–8, CERT 1–4, 11–25 ELEVATION DIFFERENCE............................ APP 7, RATE 17–18, 30 ELIGIBLE BUILDINGS........................................GR 3–6, CONDO 5 ELIGIBLE COMMUNITY (See PARTICIPATING COMMUNITY) ELIGIBLE CONTENTS............................................................. GR 6 EMERGENCY PROGRAM.................................GR 1, RATE 1, DEF 3 ENCLOSURE/ENCLOSED AREA (See also LOWEST FLOOR GUIDE)........... APP 3–4, RATE 19–20, LFG 1–3, 4, 6, 8, DEF 3 ENDORSEMENT............................................GR 10–11, CONDO 7, PRP 3, MPPP 4, END 1–14, PR 1 Endorsement Processing Prior to Policy Renewal............ END 3–4 Endorsement Rules: Changing Deductibles..................... END 3 Endorsement Rules: Conversion of Standard-Rated Policy to PRP Due to Misrating ................................ END 2–3 Endorsement Rules: Property Address Corrections.......... END 3 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 4–4A Rating Examples...................................................... END 5–12 Refund Processing................................................... END 4–4A ENGINEERED OPENINGS (See PROPER OPENINGS) EQUIPMENT (See MACHINERY AND EQUIPMENT) EROSION.............................................................................DEF 3 ERRORS, RATING.............................................................END 1–2 EVIDENCE OF INSURANCE.................................................. GR 15 F FEDERAL LAND..................................................................... GR 1 FEDERAL POLICY FEE............................ RATE 12, 16, CONDO 7, 8, PRP 2, MPPP 4, DEF 3 FEMA.........................................................REF 1, SRL 1–2, DEF 3 FHBM (See FLOOD HAZARD BOUNDARY MAP) FICO (See FLOOD INSURANCE CLAIMS OFFICE) FINANCIAL ASSISTANCE/ SUBSIDY ARRANGEMENT...................................MPPP 2, DEF 3 FINISHED (HABITABLE) AREA................................................DEF 3 FINISHED BASEMENT..........................................................APP 3 FIRM (See FLOOD INSURANCE RATE MAP) FIRM ZONES................................................................... MAP 1–2 FLOOD................................................................................DEF 3 FLOOD DISASTER PROTECTION ACT OF 1973.....................MPPP 1 FLOOD HAZARD BOUNDARY MAP (FHBM).......................................GR 1, MAP 1, 2, 8, DEF 3 FLOOD INSURANCE CLAIMS OFFICE (FICO)..................CL 3, DEF 3 FLOOD INSURANCE RATE MAP (FIRM)....................... GR 1, CERT 2, MAP 1, 2, 3, 7, DEF 3 FLOOD MAPS.........................................................GR 1, MAP 1–8 Changing or Correcting a Flood Map............................MAP 2–3 Countywide Map.................................................MAP 1, DEF 3 FEMA Map Information eXchange....................................MAP 3 FEMA Map Service Center............................... REF 3, MAP 5–6 “FIRMettes”...................................................................MAP 3 General Rule of Rating.................................................RATE 22 Letter of Map Amendment (LOMA) .....CN 5–6, MAP 2–3, DEF 5 Letter of Map Revision (LOMR) ...............CN 5–6, MAP 3, DEF 5 Locating a Specific Property...........................................MAP 2 Map Grandfather Rules....................RATE 21–23, PRP 1, DEF 4 Map Panel Number ........................................................MAP 1 Map Revisions.....PRP 1, 2, 3, END 2, CN 3, 5–7, MAP 4, DEF 5 Map Zones (Flood Zones) .......................................... MAP 1–2 Ordering Instructions and Prices.................................MAP 3–6 Physical Map Revision....................................................MAP 3 FLOOD RESPONSE OFFICE (FRO)..........................................DEF 4 FLOOD VENTS (See PROPER OPENINGS) FLOODPLAIN.......................................................................DEF 4 FLOODPLAIN MANAGEMENT.................................................DEF 4 FLOODPROOFING..................................................APP 7, RATE 30, CERT 3–10, DEF 4 FLOODPROOFING CERTIFICATE FOR NON-RESIDENTIAL STRUCTURES..............................CERT 9–10 FLOODPROOFING CERTIFICATE, RESIDENTIAL BASEMENT...........................................CERT 7–8 FORCE-PLACEMENT (MANDATORY PURCHASE).............................GR 3, MPPP 1–2, CN 4, 5, DEF 5 Foundation Wals ............................................................DEF 4 FREEBOARD........................................................................DEF 4 G GARAGES...................................................................GR 3, LFG 1 GENERAL CHANGE ENDORSEMENT (See ENDORSEMENT) GENERAL PROPERTY FORM (See also STANDARD FLOOD INSURANCE POLICY)........ GR 1, 2, POL 1, 25–44, DEF 4 GENERAL RULE OF RATING..............................................RATE 22 GENERAL RULES.............................................................GR 1–15 GRADE ELEVATION...............................................................DEF 4 GRANDFATHERING ...............................RATE 21–23, PRP 1, DEF 4 GROUP FLOOD INSURANCE ....................................... GR 3, DEF 4 H HABITABLE AREA (See FINISHED AREA) HISTORIC BUILDING.............................................. RATE 15, DEF 4 HIGH-RISE BUILDING...........................................CONDO 5, DEF 4 HOMELAND SECURITY, U.S. DEPARTMENT OF.................... REF 1, DEF 3 I ICC (See INCREASED COST OF COMPLIANCE) IMPROVEMENTS AND BETTERMENTS................... GR 3, 13, DEF 4 INCIDENTAL OCCUPANCY...................................................... GR 6 INCREASED COST OF COMPLIANCE (ICC) COVERAGE..................................GR 11–12, RATE 14, 16, CONDO 21, MPPP 1, CL 4, DEF 4 INELIGIBLE COMMUNITY (See NON-PARTICIPATING COMMUNITY) INELIGIBLE PROPERTY.......................................................GR 7–8 INFLATION FACTOR..................................................GR 11, REN 1 INSECT SCREENING (BELOW LOWEST ELEVATED FLOOR)............................ RATE 7, 19–20, CONDO 19 INSURANCE PRODUCTS, NFIP............................................... GR 3 IND 3 October 1, 2011 L LAPSE IN COVERAGE.......................................................REN 1–2 LATTICE (BELOW LOWEST ELEVATED FLOOR)..................... RATE 7, 19–20, 46, CONDO 19 LETTER OF DETERMINATION REVIEW (LODR)............................................PRP 2, CN 4, DEF 5 LETTER OF MAP AMENDMENT (LOMA)................. PRP 2, 3, END 2, CN 5–6, MAP 2–3, DEF 5 LETTER OF MAP REVISION (LOMR)...................... PRP 2, 3, END 2, CN 5–6, MAP 3, DEF 5 LOSS ASSESSMENT COVERAGE................ GR 12–13, CONDO 6–7 LOSS HISTORY.........................................................PRP 1, SRL 1 LOSS IN PROGRESS............................................................DEF 5 LOWEST ADJACENT GRADE..................................................DEF 5 LOWEST FLOOR................... APP 6, RATE 17–23, LFG 1–84, DEF 5 Building Diagrams 1–9........................... LFG 5–8, CERT 23–25 Building Drawings ...................................................LFG 10–84 Lowest Floor Determination......................................... LFG 1–8 Lowest Floor Elevation................ APP 6, RATE 15, 17–21, DEF 5 Use of Elevation Certificate............................................. LFG 3 LOWEST FLOOR GUIDE................................................... LFG 1–84 LOW-RISE BUILDING .................................CONDO 1, 5, 20, DEF 5 LEASED FEDERAL PROPERTY.........APP 7–8, GR 1, LFP 1–5, PRP 2 M MACHINERY AND EQUIPMENT...............RATE 19, LFG 1–2, CERT 3 MANDATORY PURCHASE (FORCE-PLACEMENT).......... GR 3, MPPP 1, 2, CN 3, 4, 5, DEF 5 MANUFACTURED (MOBILE) HOMES/ TRAVEL TRAILERS..................................... GR 3–4, APP 4–6, 9, PR 1, DEF 3, 5, 9 Date of Construction........................................ APP 6, RATE 15 Doublewide.....................................................................DEF 3 MANUFACTURED (MOBILE) HOME PARK OR SUBDIVISION.............................................................DEF 5 MAPS (See FLOOD MAPS) Masonry Wals ................................................................DEF 5 MEAN SEA LEVEL (See NATIONAL GEODETIC VERTICAL DATUM [NGVD]) MISCELLANEOUS RULES.............................................. GR 14–15 Application Submission.................................................. GR 14 Assignment of Policy...................................................... GR 15 Commission, Producer’s................................................. GR 15 Contract Agent Rule....................................................... GR 15 Delivery of Policy............................................................ GR 14 Policy Term.................................................................... GR 14 MITIGATION, SEVERE REPETITIVE LOSS............................ SRL 1–2 MODULAR BUILDING...........................................................DEF 5 MORTGAGE PORTFOLIO PROTECTION PROGRAM (MPPP).................................GR 3, MPPP 1–5, DEF 5 MORTGAGEE............. APP 2, RATE 17, PRP 7, MPPP 1–4, REN 2, 3 MUDFLOW.......................................................................DEF 5–6 MULTI-FAMILY RESIDENCE (See 2–4 FAMILY RESIDENCE, OTHER residential , condomini UMs) MULTI-PROPERTY LETTER OF MAP AMENDMENT (LOMA) OR LETTER OF MAP REVISION (LOMR)............... CN 5–6 N NATIONAL FLOOD INSURANCE ACT OF 1968 (See ACT) NATIONAL FLOOD INSURANCE PROGRAM (NFIP)........ REF 1, DEF 6 NATIONAL GEODETIC VERTICAL DATUM (NGVD)........................................ LFG 3, CERT 2, DEF 6 NATURAL GRADE.................................................................DEF 6 NEW CONSTRUCTION..........................................................DEF 6 NFIP BUREAU AND STATISTICAL AGENT.......... REF 1, SRL 1, DEF 6 NFIP CONTACT INFORMATION...............................................REF 3 NFIP SERVICING AGENT................................. REF 2, SRL 1, DEF 6 NFIP SPECIAL DIRECT FACILITY (SDF)..........REF 2, SRL 1–2, DEF 6 NON-PARTICIPATING COMMUNITY......................................... GR 1 NON-PAYMENT..................................................................... CN 2 NON-RESIDENTIAL......................... GR 6, 8, CONDO 1, 4, 9, DEF 6 NORTH AMERICAN VERTICAL DATUM (NAVD)......................................…LFG 3, CERT 2, DEF 6 NOTICE OF LOSS...................................................................CL 1 NULLIFICATION (See CANCELLATION/NULLIFICATION) O OCCUPANCY CLASSIFICATION................................ GR 5–6, APP 3 OTHER INSURANCE.................................................MPPP 4, CN 4 OTHER RESIDENTIAL................................................. GR 6, DEF 6 OTHERWISE PROTECTED AREAS..........................CBRS 1–2, DEF 6 OUT-AS-SHOWN DETERMINATION....................CN 3, MAP 3, DEF 6 OVER WATER.................................................................... GR 4, 7 P PAPERWORK BURDEN DISCLOSURE NOTICE.........................REF 6 PARTICIPATING COMMUNITY...................................... GR 1, DEF 6 PHOTOGRAPH REQUIREMENTS (FOR ELEVATION CERTIFICATE)................................... CERT 1–2 PHYSICAL MAP REVISION (PMR)..........................................MAP 3 POLICIES AVAILABLE..........................................................GR 1–3 POLICY...............................................................DEF 6, POL 1–65 POLICY RENEWALS......................GR 11, PRP 2, MPPP 4, REN 1–8 Credit Card Payment Form.......................................... REN 2, 8 Endorsements During Renewal Cycle.............................. REN 2 Expiration Notice to Mortgagee....................................... REN 2 Final Notice.........................................................REN 2, 3, 6–7 Insufficient Renewal Information..................................... REN 2 Renewal Effective Date Determination............................ REN 2 Renewal Notice.............................................. REN 1, 2, 3, 4–5 Severe Repetitive Loss Policies......................REN 2, SRL 1–13 Waiting Period............................................................ REN 1, 2 POLICY TERM.................................. GR 14, APP 1, PRP 7, MPPP 2 POLLUTANTS.......................................................................DEF 6 PONDING HAZARD...............................................................DEF 6 POST-FIRM BUILDING (CONSTRUCTION) ......................RATE 16, 18–20, 22–25, DEF 6 PRE-FIRM BUILDING (CONSTRUCTION).................................. RATE 15, 18, 23, DEF 7 PREFERRED RISK POLICY (PRP)..................GR 3, PRP 1–14, DEF 7 2-Year PRP Eligibility Extension.........................................PRP 1 Completing PRP Application Form.............................. PRP 7–11 Condominium Rating Chart..............................................PRP 4 Conversion of PRP to Standard-Rated Policy.....................PRP 7 Conversion of Standard-Rated Policy to PRP Due to Map Revision, LOMA, or LOMR..........................PRP 3 Conversion of Standard Rated Policy to PRP Due to Misrating..........................................................PRP 3 Coverage Limitations.......................................................PRP 2 Coverage/Premium Tables...........................................PRP 5–6 Deductibles....................................................................PRP 3 Discounts/Fees/ICC Premium.........................................PRP 2 Documentation...............................................................PRP 2 Eligibility Requirements...............................................PRP 1, 2 Endorsements.................................................................PRP 3 General Description........................................................PRP 1 Ineligibility......................................................................PRP 2 PRP Application Form..............................................PRP 13–14 Renewal..........................................................................PRP 2 Replacement Cost Coverage............................................PRP 2 IND 4 May 1, 2012 PREMIUM........................................................................ RATE 16 Credit Card Payment.........................................APP 8, REN 2, 8 Credit Card Payment Form.......................................... REN 2, 8 Premium Calculation................................................... RATE 16 Premium Discounts..............................................APP 7, CRS 1 Premium Payment......................................APP 7, 8, CONDO 8, PRP 8, MPPP 3, REN 1–2 Prepaid Amount (Total)....................................................DEF 7 Prepaid Premium (Total)...................................................DEF 7 Presentment of Payment (Premium)....................... GR 8, DEF 7 Refunds...................................................... END 1–4A, CN 1–6 PREPAID AMOUNT (TOTAL) ..................................................DEF 7 PREPAID PREMIUM (TOTAL) .................................................DEF 7 PRESENTMENT OF PAYMENT (PREMIUM) ................... GR 8, DEF 7 PRINCIPAL RESIDENCE........................................................DEF 7 PRINCIPALLY ABOVE GROUND BUILDING..............................DEF 7 PROBATION............................................................... GR 1, DEF 7 PROBATION SURCHARGE.............................GR 1, RATE 12, DEF 7 PROOF OF LOSS................................................................CL 1, 2 PROPER OPENINGS (FLOOD VENTS).......... LFG 1–3, 4, 6, 8, DEF 7 PROPERTY LOCATION................................... APP 2, PRP 8, END 4 PROPERTY REMOVED TO SAFETY EXPENSE..........................DEF 7 PROVISIONAL RATING............................................. PR 1–5, DEF 7 Completing the Provisional Rating Questionnaire: General Directions.........................................................PR 2 Guidance for Determining Building Elevated on Fill..........PR 2 Eligibility Requirements.....................................................PR 1 General Description..........................................................PR 1 Notification Requirements.................................................PR 2 Provisional Rating Example................................................PR 4 Provisional Rating Questionnaire........................................PR 3 Reformation: Endorsement Procedure................................PR 1 Reformation: Limitations...................................................PR 1 Sample Notice to Accompany Provisionally Rated Policies............................................PR 5 R RATE TABLES................................ RATE 1–14, 31, CONDO 10–22, PRP 5–6, MPPP 1, PR 3, CRS 2 RATING................................................ RATE 1–61, CONDO 1–31, CERT 3–4, END 1–2 Alternative Rates..........................................RATE 21, END 1–2 Amount of Insurance Available.......................................RATE 1 AR, AR Dual Zones......................................................RATE 18 Buildings in More Than One Flood Zone/BFE......................................GR 14, RATE 16–17 Condominiums.....................................................CONDO 1–31 Contents Location................................................. RATE 26–28 Crawlspace.................................................................RATE 25 Deductibles......................................RATE 12, 13, CONDO 5, 7 Different Base Flood Elevations Reported............. GR 14, RATE 17 Effect of Map Revisions on Rates.......................... RATE 21–23 Elevation Difference...............................................RATE 17–18 FIRMs with Wave Heights......................................RATE 29–30 Flood Map Grandfathering................RATE 21–23, PRP 1, DEF 4 Flood Zone Discrepancies.................................GR 14, RATE 17 Floodproofed Buildings................................................RATE 30 General Rule of Rating.................................................RATE 22 Key Points for Rating............................................. RATE 16–17 Multiple Elevation Certificates.......................................CERT 1 Optional Elevation Rating ................................. RATE 18, LFG 3 Premium Calculation................................................... RATE 16 Provisional Rates....................................GR 14, PR 1–5, DEF 7 Rate Reduction.............................................................. END 1 Rate Tables.............................. RATE 1–14, 31, CONDO 10–22, PRP 5–6, MPPP 1, PR 3, CRS 2 Rate Type.................................................................... APP 7–8 Rating Error.................................................................END 1–2 Rating Examples..................... RATE 17–18, 22–24, 29, 47–61, CONDO 23–31, END 5–12, PR 4 Rating Steps......................................................... RATE 15–16 Re-Rating.............................................................. RATE 23–24 Special Rating Situations.......................................... GR 13–14 Submit-for-Rate................................GR 14, RATE 24–25, DEF 9 Tentative Rates.....................GR 13, RATE 11, CONDO 7, DEF 9 V-Zone Optional Rating................................................RATE 23 V-Zone Risk Factor Rating Form..............................RATE 33–46 RCBAP (See RESIDENTIAL CONDOMINIUM BUILDING ASSOCIATION POLICY) RECREATIONAL VEHICLE......................................................DEF 1 REFORMATION..............................................GR 12, MPPP 4, PR 1 REFUNDS.................................................. END 1–2, 3–4, CN 1–6 REGIONAL OFFICES, NFIP.................................................REF 4–5 REGULAR PROGRAM......................................GR 1, RATE 1, DEF 7 RENEWALS (See POLICY RENEWALS) REPETITIVE LOSS................GR 5, 11, REN 2, CN 7, SRL 1–13, DEF 7 REPLACEMENT COST..................................... APP 5, RATE 20, 30, CONDO 6, 8, PRP 2, DEF 7 RESIDENTIAL................................................ GR 5–6, CONDO 1–5 RESIDENTIAL BASEMENT FLOODPROOFING CERTIFICATE..............................................................CERT 7–8 RESIDENTIAL CONDOMINIUM BUILDING...........CONDO 1–5, DEF 8 RESIDENTIAL CONDOMINIUM BUILDING ASSOCIATION POLICY (RCBAP) (See also STANDARD FLOOD INSURANCE POLICY) ...................GR 1, 2, APP 4, CONDO 1–31, POL 1, 45–65 Application Form....................................................CONDO 7–8 Assessment Coverage............................................CONDO 6–7 Building Type..........................................................CONDO 7–8 Cancellation or Endorsement of Existing Unit Owners’ Dwelling Policies................................ CONDO 7 Coinsurance.............................................................. CONDO 6 Commission, Producer’s............................................ CONDO 7 Condominium Building in the Course of Construction.................................................. CONDO 5–6 Coverage, Building..................................................CONDO 1–9 Coverage, Contents................................................CONDO 1–8 Coverage Limits.................................................... CONDO 6, 8 Deductibles.................................................CONDO 5, 7, 8, 22 Determining Rates and Fees...................................... CONDO 8 Eligibility Requirements............................................. CONDO 5 Federal Policy Fee..................................................CONDO 7–8 Property Covered....................................................CONDO 6–7 Rate Tables........................................................CONDO 10–22 Rating Examples............................................... CONDO 23–31 Replacement Cost......................................... CONDO 1, 6, 8, 9 Tentative Rates and Scheduled Buildings......................................... GR 3, APP 10, CONDO 7 ROWHOUSES/TOWNHOUSES..................................... CONDO 1, 8 S SCHEDULED BUILDING POLICY............................GR 3, APP 1, 10, CONDO 7, DEF 7 SCREENING, INSECT (BELOW LOWEST ELEVATED FLOOR)............................ RATE 7, 19–20, CONDO 19 SECTION 1316...........................................................GR 7, DEF 7 SEPARATE BUILDING (See SINGLE BUILDING) SEVERE REPETITIVE LOSS PROPERTIES....................GR 5, REN 2, CN 6, SRL 1–13, DEF 8 SFIP (See STANDARD FLOOD INSURANCE POLICY) SHEAR WALLS........................................................... GR 5, DEF 8 SHEET FLOW HAZARD..........................................................DEF 8 SILOS.............................................................................. GR 4, 6 SINGLE ADJUSTER PROGRAM.................................CL 3–4, DEF 8 SINGLE BUILDING...................................................... GR 5, DEF 8 Map Service Center Media Mail P.O. Box 1038 U.S. Postage Paid Jessup, MD 20794-1038 Permit #25 Southern Post Office, MD 20790-9998