National Flood Insurance Program
Policy Issuance 1-2004

Subject: Elevated Building Coverage Limitations – Map Changes
Background: The NFIP has received Hurricane Isabel claims for elevated buildings with 
enclosures in A
zones with lowest adjacent grade elevations at or above the Base Flood Elevation.
Under the Standard Flood Insurance Policy (SFIP), limited coverage exists for enclosures below 
the lowest
elevated floor of an elevated building for Post-FIRM buildings located in Special Flood Hazard 
Areas
(SFHAs), which include the A zones listed in the elevated building coverage limitation of the 
SFIP (III.
Property Covered, A.8.). Correctly, NFIP insurers have been applying the elevated building 
coverage
limitation to these enclosures and their contents.
Policy Decision: Where the NFIP map shows a property as being in the A zones listed in the 
elevated
building coverage limitation of the SFIP, so that the elevated building coverage limitation applies, 
that
limitation will not apply if the insured obtains a Letter of Map Amendment (LOMA) or Letter of 
Map
Revision (LOMR) removing the property from the SFHA, even though application for the LOMA 
or LOMR
is made after the claim.
March 9, 2004 ______________________
Date Anthony S. Lowe
Director
Mitigation Division
Emergency Preparedness
and Response Directorate