U.S. Department of Homeland Security 
500 C Street SW 
Washington, DC 20472 


July 2007 

Dear Flood Insurance Manual Subscribers: 

As we move forward to improve the National Flood Insurance Program (NFIP), it is my goal to 
ensure that you have up-to-date information so you can assist your customers in securing the best 
flood insurance protection available for their individual needs. Revisions have been made to the 
NFIP Flood Insurance Manual that will become effective October 1, 2007. All of the changes are 
reflected on the enclosed amended pages, and related footers have been modified to reflect the 
October 1, 2007, effective date. The significant revisions include the following: 

• Clarifies information about a tenant’s improvements and betterments to a leased building 
and how a tenant may purchase additional coverage (GR Section); 
• Explains the contract agent rule, under the terms of the contract between a WYO Company 
and a producer govern the producer’s authority to accept risks on behalf of the company 
and, for accepted risks, the policy waiting period and effective date of coverage 
(GR Section); and 
• For the Residential Condominium Building Association Policy, provides separate 
explanations of replacement cost provisions and coinsurance provisions, in place of the 
former combined explanation (CONDO Section). 
Thank you for your continued support of the NFIP. 

Sincerely, 


David I. Maurstad 
Federal Insurance Administrator 
National Flood Insurance Program 

Enclosure 

www.fema.gov 


Change Record Page
Effective Date: October 1, 2007


Updates to the Producer’s Editions of the NFIP Flood Insurance Manual are distributed 
semiannually. Each change is highlighted by a vertical bar in the margin of the page. The 
effective date of each page is shown in the bottom right corner. Pages bearing the new effective 
date but no change bar simply indicate that text has shifted from one page to another. 

Please keep this Change Record Page in your manual for reference. 

Remove Insert 

i-iv i-iv 
GR 3-4, 7-8, 11-13 GR 3-4, 7-8, 11-13 
APP 3-6 APP 3-6 
RATE 15-16 RATE 15-16 
CONDO 1-2, 7-8 CONDO 1-2, 7-8 
IND 1-5 IND 1-5 


TABLE OF CONTENTS


SECTION PAGE 

GENERAL RULES ..................................................................................................................... GR 1 


I. COMMUNITY ELIGIBILITY .......................................................................................... GR 1 


A. Participating (Eligible) Communities .................................................................... GR 1 


B. Emergency Program ............................................................................................ GR 1 


C. Regular Program.................................................................................................. GR 1 


D. Maps..................................................................................................................... GR 1 


E. Probation.............................................................................................................. GR 1 


F. Suspension........................................................................................................... GR 1 


G. Non-Participating (Ineligible) Communities.......................................................... GR 1 


H. Coastal Barrier Resources Act............................................................................. GR 1 


I. Federal Land ........................................................................................................ GR 1 


II. POLICIES AND PRODUCTS AVAILABLE................................................................... GR 1 


A. Standard Flood Insurance Policy ......................................................................... GR 1 


B. Insurance Products .............................................................................................. GR 2 


III. BUILDING PROPERTY ELIGIBILITY .......................................................................... GR 3 


A. Eligible Buildings .................................................................................................. GR 3 


B. Single Building ..................................................................................................... GR 5 


C. Walls..................................................................................................................... GR 5 


D. Determination of Building Occupancy.................................................................. GR 5 


IV. CONTENTS ELIGIBILITY............................................................................................. GR 6 


A. Eligible Contents .................................................................................................. GR 6 


B. Vehicles and Equipment ...................................................................................... GR 6 


C. Silos, Grain Storage Buildings, and Cisterns....................................................... GR 6 


D. Commercial Contents Coverage.......................................................................... GR 6 


V. EXAMPLES OF ELIGIBLE RISKS ............................................................................... GR 6 


A. Building Coverage................................................................................................ GR 6 


B. Contents Coverage .............................................................................................. GR 6 


C. Condominiums ..................................................................................................... GR 6 


VI. INELIGIBLE PROPERTY ............................................................................................. GR 6 


A. Buildings............................................................................................................... GR 6 


B. Container-Type Buildings..................................................................................... GR 7 


C. Buildings Entirely Over Water .............................................................................. GR 7 


D. Buildings Partially Underground........................................................................... GR 7 


E. Basement/Elevated Building Enclosures ............................................................. GR 7 


VII. EXAMPLES OF INELIGIBLE RISKS............................................................................ GR 7 


A. Building Coverage................................................................................................ GR 7 


B. Contents Coverage .............................................................................................. GR 7 


C. Non-Residential Condominium Unit..................................................................... GR 8 


VIII. POLICY EFFECTIVE DATE......................................................................................... GR 8 


A. Evidence of Insurance.......................................................................................... GR 8 


B. Start of Waiting Period ......................................................................................... GR 8 


C. Effective Date....................................................................................................... GR 8 


i May 1, 2007 


TABLE OF CONTENTS (Continued) 

SECTION PAGE 

IX. COVERAGE ................................................................................................................. GR 10 


A. Limits of Coverage ............................................................................................... GR 10 


B. Deductibles........................................................................................................... GR 10 


C. Coverage D - Increased Cost of Compliance (ICC) Coverage............................ GR 10 


D. Reduction of Coverage Limits or Reformation..................................................... GR 11 


E. Loss Assessments ............................................................................................... GR 11 


F. Improvements and Betterments and Tenant’s Coverage .................................... GR 12 


X. SPECIAL RATING SITUATIONS ................................................................................. GR 12 


A. Tentative Rates .................................................................................................... GR 12 


B. Submit-For-Rate................................................................................................... GR 12 


C. Provisional Rates ................................................................................................. GR 12 


D. Buildings in More Than One Flood Zone ............................................................. GR 12 


XI. MISCELLANEOUS RULES.......................................................................................... GR 12 


A. Policy Term .......................................................................................................... GR 12 


B. Application Submission........................................................................................ GR 13 


C. Delivery of the Policy............................................................................................ GR 13 


D. Assignment........................................................................................................... GR 13 


E. Producers’ Commissions (Direct Business Only) ................................................ GR 13 


F. Contract Agent Rule............................................................................................. GR 13 


APPLICATION........................................................................................................................... APP1 


I. USE OF THE FORM .................................................................................................... APP 1 


II. TYPES OF BUILDINGS ............................................................................................... APP 1 


III. SCHEDULED BUILDING POLICY ............................................................................... APP 1 


IV. COMPLETING PART 1 OF THE FLOOD INSURANCE APPLICATION FORM ......... APP 1 


A. Policy Status......................................................................................................... APP 1 


B. Policy Term (Billing/Policy Period) ....................................................................... APP 1 


C. Agent Information................................................................................................. APP 2 


D. Insured Mail Address ........................................................................................... APP 2 


E. Disaster Assistance.............................................................................................. APP 2 


F. First Mortgagee .................................................................................................... APP 2 


G. Second Mortgagee or Other................................................................................. APP 2 


H. Property Location ................................................................................................ APP 2 


I. Community ........................................................................................................... APP 2 


J. Building ................................................................................................................ APP 3 


K. Contents............................................................................................................... APP 4 


L. Construction Data ................................................................................................ APP 4 


M. Coverage and Rating ........................................................................................... APP 6 


N. Signature.............................................................................................................. APP 6 


V. COMPLETING PART 2 OF THE FLOOD INSURANCE APPLICATION FORM ......... APP 6 
Section I - All Building Types........................................................................................ APP 7 
Section II - Elevated Buildings...................................................................................... APP 7 
Section III - Manufactured (Mobile) Homes/Travel Trailers.......................................... APP 7 


VI. MAILING INSTRUCTIONS........................................................................................... APP 8 


VII. HANDLING OF INCOMPLETE OR INCORRECT APPLICATIONS ............................ APP 8


ii October 1, 2007 


TABLE OF CONTENTS (Continued) 

SECTION PAGE 

RATING ..................................................................................................................................... RATE 1 


I. AMOUNT OF INSURANCE AVAILABLE ..................................................................... RATE 1 


II. RATE TABLES ............................................................................................................. RATE 1 


III. DEDUCTIBLES ............................................................................................................ RATE 12 


A. Buy-Back Deductibles..........................................................................................RATE 12 


B. Changes in Deductible Amount............................................................................ RATE 12 


IV. INCREASED COST OF COMPLIANCE (ICC) COVERAGE ....................................... RATE 14 


V. RATING STEPS ........................................................................................................... RATE 15 


VI. PREMIUM CALCULATION .......................................................................................... RATE 16 


A. Emergency Program ............................................................................................ RATE 16 


B. Regular Program.................................................................................................. RATE 16 


VII. KEY POINTS FOR RATING......................................................................................... RATE 17 


A. Basic Limits and Additional Limits........................................................................ RATE 17 


B. Whole Dollars....................................................................................................... RATE 17 


C. Increased Cost of Compliance (ICC) Premium.................................................... RATE 17 


D. Federal Policy Fee ............................................................................................... RATE 17 


E. Buildings in More Than One Flood Zone ............................................................. RATE 17 


F. Mortgagee on Policy--Higher Deductible Requested........................................... RATE 17 


VIII. REGULAR PROGRAM, POST-FIRM ELEVATION-RATED RISKS............................ RATE 17 


A. Elevation Difference............................................................................................. RATE 17 


B. Examples.............................................................................................................. RATE 18 


C. Optional Elevation Rating..................................................................................... RATE 19 


IX. PRE-FIRM ELEVATED BUILDING RATED AT PRE-FIRM RATES............................ RATE 19 


X. AR ZONE AND AR DUAL ZONE RATING................................................................... RATE 19 


XI. POST-FIRM AO ZONE RATING.................................................................................. RATE 19 


XII. POST-FIRM RATING OF ELEVATED BUILDINGS IN ZONES B, C, X, A99, 
AND D......................................................................................................................... RATE 19 

XIII. REGULAR PROGRAM V ZONE POST-FIRM CONSTRUCTION............................... RATE 19 


A. Rating All V Zone Buildings.................................................................................. RATE 19 


B. Zones VE and V1-V30--Enclosure Containing Machinery or 
Equipment Below BFE ...................................................................................... RATE 19 

C. 1975-81 Post-FIRM V Zone Construction............................................................ RATE 20 


D. 1981 Post-FIRM V Zone Construction ................................................................. RATE 20 


E. Elevated Buildings--1981 Post-FIRM V Zone Construction................................. RATE 20 


 XIV. SPECIAL RATING SITUATIONS ................................................................................. RATE 21 


A. Tentative Rates .................................................................................................... RATE 21


B. Alternative Rates.................................................................................................. RATE 21


C. Map "Grandfather" Rules--Effect of Map Revisions on Flood Insurance Rates .. RATE 21 

D. Post-’81 V Zone Optional Rating.......................................................................... RATE 23 


E. Policies Requiring Re-Rating ............................................................................... RATE 23 


F. Submit-for-Rate.................................................................................................... RATE 24


G. Crawl Space......................................................................................................... RATE 24A


iii May 1, 2007 


TABLE OF CONTENTS (Continued) 

SECTION PAGE 

XV. CONTENTS LOCATION .............................................................................................. RATE 25 


A. Single Family Dwellings ....................................................................................... RATE 25 


B. Multi-Family and Non-Residential Buildings ........................................................ RATE 25 


XVI. FIRMS WITH WAVE HEIGHTS ................................................................................... RATE 29 


A. Procedure for Calculating Wave Height Adjustment............................................ RATE 29 


B. Wave Heights in Numbered Zones V1-V30 and VE 1981 Post-FIRM 
Construction ....................................................................................................... RATE 29 

C. Unnumbered V Zones 1981 Post-FIRM Construction ......................................... RATE 30 


D. Rate Selection Procedure .................................................................................... RATE 30 


 XVII. FLOODPROOFED BUILDINGS................................................................................... RATE 30 


A. Elevation Difference............................................................................................. RATE 30 


B. Rating................................................................................................................... RATE 30 


XVIII.THE V-ZONE RISK FACTOR RATING FORM ............................................................ RATE 31 


A. Use ..................................................................................................................... RATE 31 


B. Submission........................................................................................................... RATE 31 


XIX. RATING EXAMPLES.................................................................................................... RATE 47 


CONDOMINIUMS ..................................................................................................................... CONDO 1 


I. METHODS OF INSURING CONDOMINIUMS............................................................. CONDO 1 


A. Residential Condominium: Association Coverage on Building and Contents .... CONDO 1 

B. Residential Condominium: Unit Owner's Coverage on Building and Contents. . CONDO 1 

C. Other Residential Condominium: Condominium Association Policy, 
Association Coverage on Building and Contents............................................... CONDO 1 

D. Nonresidential (Commercial) Condominium: Building and Contents.................. CONDO 2 


E. Nonresidential (Commercial) Condominium: Unit Owner's Coverage 
(Contents)........................................................................................................... CONDO 2

 II. POLICY FORM............................................................................................................. CONDO 6 


III. ELIGIBILITY REQUIREMENTS ................................................................................... CONDO 6 


A. General Building Eligibility.................................................................................... CONDO 6 


B. Condominium Building in the Course of Construction ......................................... CONDO 6 


IV. COVERAGE ................................................................................................................. CONDO 6


A. Property Covered ................................................................................................. CONDO 6 


B. Coverage Limits ................................................................................................... CONDO 7 


C. Replacement Cost ............................................................................................... CONDO 7 
D Coinsurance ......................................................................................................... CONDO 7


E. Assessment Coverage......................................................................................... CONDO 7 


V. DEDUCTIBLES AND FEES ......................................................................................... CONDO 8 


A. Deductibles........................................................................................................... CONDO 8 


B. Federal Policy Fee ............................................................................................... CONDO 8 


VI. TENTATIVE RATES AND SCHEDULED BUILDINGS ................................................ CONDO 8 


VII. COMMISSIONS (DIRECT BUSINESS ONLY)............................................................. CONDO 8 


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

iv October 1, 2007 


3. Scheduled Building Policy 
The Scheduled Building Policy is available 
to cover 2 to 10 buildings. The policy 
requires a specific amount of insurance to 
be designated for each building. To qualify, 
all buildings must have the same ownership 
and the same location. The properties on 
which the buildings are located must be 
contiguous. 

4. Group Flood Insurance 
Group Flood Insurance is issued by the 
NFIP Direct Program in response to a 
Presidential disaster declaration. Disaster 
assistance applicants, in exchange for a 
modest premium, receive a minimum 
amount of building and/or contents coverage 
for a 3-year policy period. An applicant may 
cancel the group policy at any time and 
secure a regular Standard Flood Insurance 
Policy through the NFIP. 

III. BUILDING PROPERTY ELIGIBILITY 
A. Eligible Buildings 
Insurance may be written only on a structure with 
two or more outside rigid walls and a fully 
secured roof that is affixed to a permanent site. 
Buildings must resist flotation, collapse, and 
lateral movement. At least 51 percent of the 
actual cash value of buildings, including 
machinery and equipment, which are a part of the 
buildings, must be above ground level, unless the 
lowest level is at or above the Base Flood 
Elevation (BFE) and is below ground by reason of 
earth having been used as insulation material in 
conjunction with energy-efficient building 
techniques. 

1. Appurtenant Structures 
The only appurtenant structure covered by 
the SFIP is a detached garage at the 
described location, which is covered under 
the Dwelling Form. Coverage is limited to 
no more than 10 percent of the limit of 
liability on the dwelling. Use of this 
insurance is at the policyholder’s option but 
reduces the building limit of liability. The 
SFIP does not cover any detached garage 
used or held for use for residential (i.e., 
dwelling), business, or farming purposes. 

2. Manufactured (Mobile) Homes/Travel 
Trailers 
Eligible buildings also include: 

• A manufactured home (a “manufactured home,” also known as a 
GR 3 

mobile home, is a structure built on a 
permanent chassis, transported to its 
site in one or more sections, and 
affixed to a permanent foundation); or 

• A travel trailer without wheels, built on 
a chassis and affixed to a permanent 
foundation, that is regulated under the 
community’s floodplain management 
and building ordinances or laws. 
NOTE: All references in this 
manual to manufactured 
(mobile) homes include travel trailers without wheels. 

a. Manufactured (Mobile) Homes -New 
Policies Effective on or After October 1, 
1982 
To be insurable under the NFIP, a 
mobile home: 

• Must be affixed to a permanent 
foundation. A permanent foundation for a manufactured (mobile) 
home may be poured masonry slab 
or foundation walls, or may be 
piers or block supports, either of 
which support the mobile home so 
that no weight is supported by the 
wheels and axles of the mobile 
home. 
• Must be anchored if located in a 
Special Flood Hazard area. For 
flood insurance coverage, all new 
policies and subsequent renewals 
of those policies must be based 
upon the specific anchoring 
requirements identified below: 
A manufactured (mobile) home 
located within a Special Flood 
Hazard Area must be anchored to a 
permanent foundation to resist 
flotation, collapse, or lateral 
movement by providing over-the-top 
or frame ties to ground anchors; or 
in accordance with manufacturer’s 
specifications; or in compliance with 
the community’s floodplain management requirements. 

b. Manufactured (Mobile) Homes -
Continuously Insured Since September 
30, 1982 
All manufactured (mobile) homes on a 
foundation continuously insured since 
September 30, 1982, can be renewed 
under the previously existing require-

May 1, 2006 


ments if affixed to a permanent 
foundation. 

Manufactured (mobile) homes in 
compliance with the foundation and 
anchoring requirements at the time of 
placement may continue to be renewed 
under these requirements even though 
the requirements are more stringent at a 
later date. 

To be adequately anchored, the 
manufactured (mobile) home is 
attached to the foundation support 
system, which in turn is established 
(stabilized) into the ground, sufficiently 
to resist flotation, collapse, and lateral 
movement caused by flood forces, 
including wind forces in coastal areas. 

3. Silos and Grain Storage Buildings 
4. Cisterns 
5. Buildings Entirely Over Water - Constructed 
or Substantially Improved Before October 1, 
1982 
Follow "submit for rate" instructions in the 
Rating section for insurance on Post-FIRM 
buildings located entirely in, on, or over 
water or seaward of mean high tide for these 
buildings. Pre-FIRM buildings constructed 
before October 1, 1982, are eligible for 
normal Pre-FIRM rates. 

If the building's start of construction occurred 
on or after October 1, 1982, the building is 
ineligible for coverage. 

6. Buildings Partially Over Water 
Follow “submit for rate” instructions in the 
Rating section for buildings partially over 
water. However, Pre-FIRM buildings are 
eligible for normal Pre-FIRM rates. 

7. Boathouses Located Partially Over Water 
The non-boathouse parts of a building into 
which boats are floated are eligible for 
coverage if the building is partly over land 
and also used for residential, commercial, or 
municipal purposes and is eligible for flood 
coverage. The area above the boathouse 
used for purposes unrelated to the 
boathouse use (e.g., residential occupancy) 
is insurable from the floor joists to the roof 
including walls. A common wall between the 

boathouse area and the other part of the 
building is insurable. The following items are 
not covered: 

a. The ceiling and roof over the 
boathouse portions of the building into 
which boats are floated. 
b. Floors, walkways, decking, etc., within 
the boathouse area, or outside the 
area, but pertaining to boathouse use. 
c. Exterior walls and doors of the 
boathouse area not common to the rest 
of the building. 
d. Interior walls and coverings within the 
boathouse area. 
e. Contents located within the boathouse 
area, including furnishings and 
equipment, relating to the operation 
and storage of boats and other 
boathouse uses. 
The Flood Insurance Application form with 
photographs, but without premium, must be 
submitted to the NFIP for premium 
determination. No coverage becomes 
effective until the NFIP approves the 
insurance application, determines the rate, 
and receives the premium. However, 
buildings in existence prior to October 1, 
1982, may continue to be rated using the 
published rate. 

8. Buildings in the Course of Construction 
Buildings in the course of construction that 
have yet to be walled and roofed are eligible 
for coverage except when construction has 
been halted for more than 90 days and/or if 
the lowest floor used for rating purposes is 
below the Base Flood Elevation (BFE). 
Materials or supplies intended for use in 
such construction, alteration, or repair are 
not insurable unless they are contained 
within an enclosed building on the premises 
or adjacent to the premises. 

To determine the eligibility of a residential 
condominium building under construction, 
see page CONDO 6 in this manual. 

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

GR 4 October 1, 2007 


Contents and personal property contained in 
these buildings are ineligible for coverage. 

For example, section 1316 of the National Flood 
Insurance Act of 1968 allows the states to declare 
a structure to be in violation of a law, regulation, 
or ordinance. Flood insurance is not available 
for properties that are placed on the 1316 
Property List. Insurance availability is restored 
once the violation is corrected and the 1316 
Declaration has been rescinded. 

B. Container-Type Buildings 
Gas and liquid tanks, chemical or reactor 
container tanks or enclosures, brick kilns, and 
similar units, and their contents are ineligible for 
coverage. 

C. Buildings Entirely Over Water 
Buildings newly constructed or substantially 
improved on or after October 1, 1982, and 
located entirely in, on, or over water or seaward 
of mean high tide are ineligible for coverage. 

D. Buildings Partially Underground 
If 50 percent or more of the building's actual cash 
value, including the machinery and equipment, 
which are part of the building, is below 
ground level, the building or units and their 
contents are ineligible for coverage unless the 
lowest level is at or above the BFE and is below 
ground by reason of earth having been used as 
insulation material in conjunction with energy 
efficient building techniques. 

E. Basement/Elevated Building Enclosures 
Certain specific property in basements and under 
elevated floors of buildings is excluded from 
coverage. See the policy contract for specific 
information. 

VII. EXAMPLES OF INELIGIBLE RISKS 
Some specific examples of ineligible risks are 
provided below. See the policy for a definitive 
listing of property not covered. 

A. Building Coverage 
1. Boat Repair Dock 
2. Boat Storage Over Water 
3. Boathouses (exceptions on page GR 4) 
4. Camper 
5. Cooperative Unit Within Cooperative 
Building 
6. Decks (except for steps and landing; 
maximum landing area of 16 sq. ft.) 
7. Drive-In Bank Teller Unit (located outside 
walls of building) 
8. Fuel Pump 
9. Gazebo (unless it qualifies as a building) 
10. Greenhouse (unless it has at least two rigid 
walls and a roof) 
11. Hot tub or spa (unless it is installed as a 
bathroom fixture) 
12. Open Stadium 
13. Pavilion (unless it qualifies as a building) 
14. Pole Barn (unless it qualifies as a building) 
15. Pumping Station (unless it qualifies as a 
building) 
16. Storage Tank--Gasoline, Water, Chemicals, 
Sugar, etc. 
17. Swimming Pool Bubble 
18. Swimming Pool (indoor or outdoor) 
19. Tennis Bubble 
20. Tent 
21. Time Sharing Unit Within Multi-Unit Building 
22. Travel Trailer (unless converted to a 
permanent onsite building meeting the 
community's floodplain management permit 
requirements) 
23. Water Treatment Plant (unless 51 percent of 
its actual cash value is above ground) 
B. Contents Coverage 
1. Automobiles--Including Dealer's Stock 
(assembled or not) 
2. Bailee's Customer Goods--Including 
garment contractors, cleaners, shoe repair 
shops, processors of goods belonging to 
others, and similar risks 
3. Contents Located in a Structure Not 
Eligible for Building Coverage 
4. Contents Located in a Building Not Fully 
Walled and/or Contents Not Secured 
Against Flotation 
GR 7 May 1, 2006 


5. Motorcycles--Including Dealer's Stock 
(assembled or not) 
6. Motorized Equipment--Including Dealer's 
Stock (assembled or not) 
C. Non-Residential Condominium Unit 
The owner of a non-residential condominium unit 
cannot purchase a unit owner's policy. The 
association can purchase a condominium 
association policy to cover the entire building. 
Contents-only coverage may be purchased by 
the unit owner. 

VIII. POLICY EFFECTIVE DATE 
A. Evidence of Insurance 
A copy of the Flood Insurance Application and 
premium payment, or a copy of the declarations 
page, is sufficient evidence of proof of purchase. 
The NFIP does not recognize binders or 
certificates of insurance. 

B. Start of Waiting Period 
There is a standard 30-day waiting period for new 
applications and for endorsements to increase 
coverage. 

1. If the application or endorsement form and 
the premium payment are received at the 
NFIP within 10 days from the date of 
application or endorsement request, or if 
mailed by certified mail within 4 days from 
the date of application or endorsement 
request, then the waiting period will be 
calculated from the application or 
endorsement date. Use the application date 
or endorsement date plus 9 days to 
determine if the application or endorsement 
and premium payment were received within 
10 days. When sent by certified mail, use 
the application date or endorsement date 
plus 3 days to determine if the application 
or endorsement and premium payment 
were mailed within 4 days. 
2. If the application or endorsement form and 
the premium payment are received at the 
NFIP after 10 days from the date of 
application or endorsement request, or are 
not mailed by certified mail within 4 days 
from the date of application or endorsement 
request, then the waiting period will be 
calculated from the date the NFIP receives 
the application or endorsement. 
As used in VIIl.B.1. and 2. above, the term 
“certified mail” extends to not only the U.S. 
Postal Service but also certain third-party 
delivery services. Acceptable third-party delivery 

services include Federal Express (FedEx), 
United Parcel Service (UPS), and courier 
services and the like that provide proof of 
mailing. Third-party delivery is acceptable if the 
delivery service provides documentation of the 
actual mailing date and delivery date to the NFIP 
insurer. Bear in mind that third-party delivery 
services deliver to street addresses but cannot 
deliver to U.S. Postal Service post office boxes. 

C. Effective Date 
1. New Policy (other than 2, 3, or 4 below)-
The effective date of a new policy will be 
12:01 a.m., local time, on the 30th calendar 
day after the application date and the 
presentment of premium. (Example: a 
policy applied for on May 3 will become 
effective 12:01 a.m., local time, on June 2.) 
The effective date of coverage is subject to 
the waiting period rule listed under B.1 or 
B.2 above. 
2. New Policy (in connection with making, 
increasing, extending, or renewing a loan, 
whether conventional or otherwise)--Flood 
insurance, which is initially purchased in 
connection with the making, increasing, 
extending, or renewal of a loan, shall be 
effective at the time of loan closing, 
provided that the policy is applied for and 
the presentment of premium is made at or 
prior to the loan closing. (Example: 
presentment of premium and application 
date--April 3, refinancing--April 3 at 3:00 
p.m., policy effective date--April 3 at 3:00 
p.m.) This rule applies to all buildings 
regardless of flood zone. The waiting 
period rule listed under B.1 or B.2 above 
does not apply. 
3. New Policy (in connection with lender 
requirement)--The 30-day waiting period 
does not apply when flood insurance is 
required as a result of a lender determining 
that a loan on a building in a Special Flood 
Hazard Area (SFHA) that does not have 
flood insurance coverage should be 
protected by flood insurance. The coverage 
is effective upon the completion of an 
application and the presentment of payment 
of premium. (Example: presentment of 
premium and application date--April 3, policy 
effective date--April 3.) The waiting period 
rule listed under B.1 or B.2 must be used. 
4. New Policy (when the initial purchase of 
flood insurance is in connection with the 
revision or updating of a Flood Hazard 
Boundary Map or Flood Insurance Rate 
GR 8 October 1, 2007 


residential structures and residential structures 3. Residential Condominium Building Asso
with basements that satisfy FEMA's standards ciation Policy (RCBAP), section VIII,
published in the Code of Federal Regulations [44 paragraph G.
CFR 60.6 (b) or (c)]. 


E. Loss Assessments 
ICC coverage is mandatory for all SFIPs, except 

that coverage is not available for: The SFIP provides limited coverage for loss 
assessments against condominium unit owners for 

1. Policies issued or renewed in the flood damage to common areas of any building 
Emergency Program. owned by the condominium association. The 
RCBAP does not provide assessment coverage. 

2. Condominium units, including townhouse/ The Dwelling Form provides assessment coverage 
rowhouse condominium units. (The only under the circumstances, and to the extents, 
condominium association is responsible for described below. 
complying with mitigation requirements.) 


1. No RCBAP 
3. Group Flood Insurance Policies. 
• If the unit owner purchases building 
4. Appurtenant structures, unless covered by coverage under the Dwelling Form and 
a separate policy. there is no RCBAP, the Dwelling Form 
ICC coverage contains exclusions in addition to responds to a loss assessment against 
those highlighted here. See the policy for a list of the unit owner for damages to common 
exclusions. areas, up to the building coverage limit 
under the Dwelling Form. 
To be eligible for claim payment under ICC, a • If there is damage to building elements of structure must: 

the unit as well, the building coverage limit 

a. Be a repetitive loss structure as defined, for under the Dwelling Form may not be 
which NFIP paid a previous qualifying claim, exceeded by the combined settlement of 
in addition to the current claim. The state or unit building damages, which would apply 
community must have a cumulative, first, and the loss assessment. 
substantial damage provision or repetitive 
loss provision in its floodplain management 2. RCBAP Insured to at Least 80 Percent of the 

law or ordinance being enforced against the Building Replacement Cost 
structure; OR • If the unit owner purchases building 

b. Be a structure that has sustained substantial coverage under the Dwelling Form and 
there is an RCBAP insured to at least 80 

flood damage. The state or community 
must have a substantial damage provision in percent of the building replacement cost 

at the time of loss, the loss assessment 

its floodplain management law or ordinance coverage under the Dwelling Form will 

being enforced against the structure. pay that part of a loss that exceeds 80 
The ICC premium is not eligible for the deductible percent of the association’s building 
discount. First calculate the deductible discount, replacement cost. 

then add in the ICC premium for each policy year. • The loss assessment coverage under the 

D. Reduction of Coverage Limits or Dwelling Form will not cover the 
Reformation association’s policy deductible purchased 

by the condominium association. 
In the event that the premium payment received 
is not sufficient to purchase the amounts of • If there is damage to building elements of 
insurance requested, the policy shall be deemed the unit as well, the Dwelling Form pays to 
to provide only such insurance as can be repair unit building elements after the 
purchased for the entire term of the policy for the RCBAP limits that apply to the unit have 

been exhausted. The coverage combiamount of premium received. nation cannot exceed the building 
Complete provisions for reduction of coverage coverage limit under the Dwelling Form. 
limits or reformation are described in: 3. RCBAP Insured to Less than 80 Percent of 

1. Dwelling Form, section VII, paragraph G. the Building Replacement Cost 
2. General Property Form, section VII, • If the unit owner purchases building 
paragraph G. coverage under the Dwelling Form and 

GR 11 May 1, 2007 


there is an RCBAP insured to less than 80 
percent of the building replacement cost 
at the time of loss, the loss assessment 
coverage cannot be used to reimburse the 
association for its coinsurance penalty. 

• The covered damages to the condominium association building must be 
greater than 80 percent of the building 
replacement cost at the time of loss 
before the loss assessment coverage 
becomes available under the Dwelling 
Form. Covered repairs to the unit, if 
applicable, would have priority over loss 
assessments. 
For more information on this topic, see “D. Assessment Coverage” on page CONDO 7 and Section 

III. C. 3. of the Dwelling Form, “Condominium Loss 
Assessments,” on page POL 8. 
F. Improvements and Betterments and 
Tenant’s Coverage 
Under the Standard Flood Insurance Policy, 
coverage for improvements and betterments is 
provided for tenants who have purchased 
personal property coverage. The maximum 
amount payable for this coverage, which applies 
to fixtures, alterations, installations, or additions 
made or acquired solely at the tenant’s expense 
and comprising part of an insured building, is 10 
percent of the personal property limit of liability 
shown on the Declarations Page. Use of 
improvements and betterments coverage 
reduces the amount of coverage available for 
personal property. 

A tenant may purchase higher limits of coverage 
for improvements and betterments under the 
building coverage if the lease agreement with 
the building owner: 

• Requires that the tenant purchase 
insurance coverage for the tenant’s 
improvements and betterments that are 
made or acquired; and 
• States that the tenant is responsible for the 
repair of the building and/or improvements 
and betterments that become damaged. 
Duplicate coverage is not permitted under the 
NFIP, so only one policy can be issued for 
building coverage, and the amount of building 
coverage cannot exceed the maximum 
allowable under the Act. The policy may be 
issued either in the name of the building owner 
or in the names of the building owner and the 
tenant. 

X. SPECIAL RATING SITUATIONS 
A. Tentative Rates 
Tentative rates are applied when producers are 
unable to provide all required underwriting 
information necessary to rate the policy. 
Tentatively rated policies cannot be endorsed to 
increase coverage limits or renewed for another 
policy term until required actuarial rating 
information and full premium payment are 
received by the NFIP. If a loss occurs on a 
tentatively rated policy, the loss payment will be 
limited by the amount of coverage that the 
premium initially submitted will purchase (using 
the correct actuarial rating information), and not 
the amount requested by application. 

B. Submit-For-Rate 
Some risks, because of their unique underwriting 
characteristics, cannot be rated using this 
manual. Certain risks must be submitted to the 
NFIP Underwriting Unit to determine the 
appropriate rate. Refer to page GR 9 for the 
applicable waiting period. 

Submit-for-rate policies must be rerated annually 
using the newest rates. If the NFIP Direct or 
WYO company does not have all the underwriting 
information, it must request the missing 
information from the insured in order to properly 
rate the risk. 

Pre-FIRM risks may not be rated using the 
submit-for-rate process. 

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

D. Buildings in More Than One Flood Zone 
Buildings, not the land, located in more than one 
flood zone must be rated using the more 
hazardous zone. 

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

XI. MISCELLANEOUS RULES 
A. Policy Term 
The policy term available is 1 year for both NFIP 
Direct business policies and policies written 
through WYO Companies. 

GR 12 October 1, 2007 


B. Application Submission 
Flood insurance applications and presentment of 
premium must be mailed promptly to the NFIP. 
The date of receipt of premium for the NFIP 
insurer is determined by either the date received 
at its offices or the date of certified mail. 

In the context of submission of applications, 
endorsements, and premiums to the NFIP, the 
term “certified mail” has been broadened to 
include not only the U.S. Postal Service but also 
certain third-party delivery services. For details, 
see the paragraph following VIII.B.2. on page 
GR 8. 

Producers are encouraged to submit flood 
insurance applications by certified mail. Certified 
mail ensures the earliest possible effective date if 
the application and premium are received by the 
NFIP insurer more than 10 days from the 
application date. The date of certification 
becomes the date of receipt at the NFIP. 

C. Delivery of the Policy 
The producer is responsible for delivering the 
declarations page and the policy contract of a 
new policy to the insured and, if appropriate, to 
the lender. Renewal policy documentation is sent 
directly to the insured. 

D. Assignment 
A property owner's flood insurance building policy 
may be assigned in writing to a purchaser of the 
insured property upon transfer of title without the 
written consent of the NFIP. 

Policies on buildings in the course of construction 
and policies insuring contents only may not be 
assigned. 

E. Producers' Commissions (Direct 
Business Only) 
The earned commission may be paid only to 
property or casualty insurance producers duly 
licensed by a state insurance regulatory authority. 
It shall not be less than $10 and is computed for 

both new and renewal policies as follows: Based 
on the Total Prepaid Amount (less the Federal 
Policy Fee) for the policy term, the commission 
will be 15 percent of the first $2,000 of annualized 
premium and 5 percent on the excess of $2,000. 

Calculated commissions for mid-term endorsements and cancellation transactions will be based 
upon the same commission percentage that was 
paid at the policy term's inception. 

Commissions for all Scheduled Building Policies 
are computed as though each building and 
contents policy was separately written. 

For calculation of commission on an RCBAP, see 
the CONDO section. 

F. Contract Agent Rule 
A “Contract Agent” is an employee of a WYO 
Company, or an agent under written contract with 
a WYO Company, empowered to act on the 
company’s behalf and with authority to advise an 
applicant for flood insurance that the company 
will accept the risk. The effective date for a policy 
written through a Contract Agent has a waiting 
period that begins on the agent’s or employee’s 
receipt of the premium and completion of the 
application. 

An agent under written contract to a WYO 
Company is not a Contract Agent if the WYO 
Company reserves the right to reject the risk. 
The effective date for a policy not written through 
a Contract Agent has a waiting period that begins 
on the WYO Company’s receipt of the premium 
and completed application. 

To establish a Contract Agent relationship 
acceptable to the NFIP, the WYO Company must 
include the stipulations above in its written 
contract with the agent or employee. 

 GR 13 October 1, 2007 


NOTE: The mailing address may or may not 
reflect the community where the 
property is located. Do not rely on the 
mailing address when determining 
community status and identification. 
Because of possible changes in the 
Flood Insurance Rate Map (FIRM), do 
not rely on information from a prior 
policy. 

Enter the community identification number, map 
panel number, and revision suffix for the 
community where the property is located. When 
there is only one panel (i.e., a flat map), the 
community number will consist of only six digits. 
Use the FIRM in effect and that has been 
published at the time of presentment of premium 
and completion of application. 

NOTE: Not all communities that have been 
assigned NFIP community numbers 
are participating in the National Flood 
Insurance Program. Policies may not 
be written in nonparticipating communities. 

Community number and status may be obtained 
by calling the NFIP insurer, by consulting a 
local community official, or by checking the 
NFIP Community Status Book online 
(http://www.fema.gov/fema/csb.shtm). 

Check YES if the property is located in a Special 
Flood Hazard Area; otherwise, check NO. 

Enter the FIRM zone in the space provided. If 
the program type is Emergency, leave this area 
blank. 

Check R if the community is in the Regular 
Program, or check E if the community is in the 
Emergency Program. 

If the community program type is Regular and 
the building is Pre-FIRM construction, enter the 
FIRM zone, if known; otherwise, enter 
UNKNOWN and follow the Alternative Rating 
procedure explained in the Rating section of this 
manual. UNKNOWN cannot be used for 
manufactured homes or other buildings located 
in a community having flood Zones V or V1-V30 
(VE). 

Determine whether the community is located in 
a CBRS or OPA. See CBRS section for 
additional information. 

J. Building 
Complete all required information in this section. 

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

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

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

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

• Small Business Risk 
Indicate Yes or No. 

• Number of Floors or Building Type 
Indicate the number of floors in the entire 
building, including the basement/enclosed 
area if applicable, in the appropriate space. 

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

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

APP 3 October 1, 2007 


• Number of Occupancies (Units) 
For other than single family dwellings, 
indicate the number of units. 

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

• Residential Condominium Building Association Policy 
For a Residential Condominium Building 
Association Policy (RCBAP), enter the total 
number of units (including non-residential) 
within the building and indicate whether the 
building is a high-rise or low-rise. The 
RCBAP covers only a residential 
condominium building in a Regular Program 
community. 

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

• Insured's Principal Residence 
Indicate whether the building is the 
policyholder's principal residence. 

• Building in Course of Construction 
Indicate whether the building is in the course 
of construction. 

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

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

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

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

• State Government Ownership of Property 
Check YES if the building is owned by state 
government; otherwise, check NO. 

K. Contents 
Check the box that describes the location of the 
contents to be insured. Describe any contents 
that are not personal property household 
contents. 

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

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

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

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

If the building was substantially improved, 
enter the actual month, day, and year that 

APP 4 October 1, 2007 


substantial improvement started or the 
building permit date. 

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

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

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

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

a. Enter the date of construction for the 
Pre-FIRM part of the building (not 
the date of construction of the 
addition). This date will be shown as 
the construction date on the 
declarations page. 
b. Do not respond to the question IS 
BUILDING POST-FIRM CONSTRUCTION? Instead, complete 
the top part of this section as 
follows: 
"Substantial Improvement but 
continues to be Pre-FIRM." 

c. Supply the elevation data for the 
ADDITION. 
d. Complete the remainder of both 
parts of the Construction Data 
section in the usual manner. 
If a policyholder elects to use the normal 
Post-FIRM rating for substantial 
improvement, the producer must 
complete Part 2 of the Application as 
indicated. 

2. Elevation Information 
Elevation information must be completed in 
the second part of the Construction Data 
section. 

• Post-FIRM Construction 
Check YES if the building is Post-FIRM 
construction or substantial improvement; 
otherwise, check NO. 

• Building Diagram Number and Lowest 
Adjacent Grade 
Provide the building diagram number 
and lowest adjacent grade from the 
Elevation Certificate (EC). 

NOTE: Elevation Certificates certified on 
or after January 1, 2007, must be 
submitted on the new EC form. 
The EC must meet all of the 
photograph requirements that are 
described on pages CERT 1-2 of 
this manual. An EC submitted 
without the required photographs 
is not considered valid for rating. 

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

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

APP 5 October 1, 2006 


• Elevation Information for Buildings in the 
Course of Construction 
When the building is in the course of 
construction, the elevation information 
provided by the surveyor on the EC 
must be based on the proposed 
architectural plans. The NFIP requires 
the agent to describe and rate the 
structure based on the proposed plans. 
Building photographs are not required. 

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

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

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

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

• Elevation Certification 
Enter the elevation certification date for 
all new business applications. 

M. Coverage and Rating 
Check desired coverage against the “Amount of 
Insurance Available” table on page RATE 1. 
Then enter the limits, indicate the rates and rate 
type, and add additional charges/credits, i.e., 
deductible reduction/increase, ICC Premium, 
CRS Premium Discount, Probation Surcharge (if 
any), and Federal Policy Fee. Calculate the 
Total Prepaid Amount. 

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

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

V. COMPLETING PART 2 OF THE FLOOD 
INSURANCE APPLICATION FORM 
After completing Part 1 of the Flood Insurance 
Application, the producer must complete all 
relevant items in Part 2 of the Application for the 
following risks: 

• Post-FIRM construction located in Zones 
A1-A30, AE, AH, AO, A, V1-V30, VE, and V. 
• Pre-FIRM construction using optional Post-
FIRM rating located in Zones A1-A30, AE, 
AH, AO, A, V1-V30, VE, and V. 
Part 2 of the Application collects information 
about risk factors affecting the building, 
occupancy information, and elevation data 

APP 6 October 1, 2007 


V. RATING STEPS 
A. Determine the exact location of the building 
and/or contents to be insured. IF THE 
MAILING ADDRESS DIFFERS FROM THE 
PROPERTY ADDRESS, USE THE 
PROPERTY ADDRESS ONLY. 
B. Determine if the building is located in an 
eligible community. 
Not all communities participate in the NFIP. 
There is NO COVERAGE available in nonparticipating 
communities. If you are 
uncertain, call the NFIP insurer, consult a 
local community official, or check the NFIP 
Community Status Book online 
(http://www.fema.gov/fema/csb.shtm). 

C. Determine the NFIP program phase 
(Emergency or Regular) and the community 
in which the property is located. 
Some communities may be eligible for 
premium discounts under the Community 
Rating System (CRS). See the CRS Section 
for a list of eligible communities, the 
corresponding discounts, and an example 
showing how to apply the CRS discount. 

D. Determine the location of the contents in the 
building. 
E. Determine the date of construction as 
described below. 
• Date of Construction—Buildings 
For flood insurance purposes, the date 
of construction for buildings under the 
NFIP must be determined in order to 
establish whether the building is Pre-
FIRM or Post-FIRM construction. 

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

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

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

• Date of Construction—Manufactured 
(Mobile) Homes/Travel Trailers 
The date of construction for a 
manufactured (mobile) home is 
different from a standard building and 
depends upon the location of the 
manufactured (mobile) home. 

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

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

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

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

RATE 15 October 1, 2007 

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

- The building must be Pre-FIRM. 
- The substantial improvement must be 
an ADDITION to the building. (This 
condition excludes substantial 
improvements made as interior 
remodeling or repair projects.) 
- The ADDITION and extension must 
be next to and in contact with the 
existing building. (This condition 
does not apply to substantial 
improvements consisting of the 
construction of additional floors.) 
- An Elevation Certificate must be 
submitted to the NFIP Underwriting 
Unit with the application or renewal. 
The Elevation Certificate must verify 
that the lowest floor elevation of the 
ADDITION is at or above the 
applicable base flood elevation in 
effect at the time the addition is 
started. 
NOTE: Elevation Certificates certified 
on or after January 1, 2007, 
must be submitted on the 
new Elevation Certificate 
form. The Elevation Certificate 
must meet all photo 
requirements described on 
pages CERT 1-2 of this 
manual. An Elevation Certificate submitted without the 
required photographs is not 
considered valid for rating. 

If all of the above conditions are 
satisfied, the entire building is eligible 
for Pre-FIRM rates. (Except for some 
V-Zone risks and some manufactured 
[mobile] home risks, Post-FIRM rates 
provide less costly coverage and, 
therefore, the coverage may be rated 
using the lower Post-FIRM rates.) 

If the above conditions are not satisfied, 
the entire building MUST be rated as 
Post-FIRM. 

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

VI. PREMIUM CALCULATION 
A. Emergency Program 
1. Determine Occupancy Type: Residential or 
Non-Residential. 
2. Calculate premium using appropriate rates. 
3. Apply appropriate deductible factor if an 
Optional Deductible is selected. 
4. Add Federal Policy Fee. 
B. Regular Program 
1. Determine if the property to be insured is 
Pre-FIRM or Post-FIRM. A Pre-FIRM 
premium table for standard risk, single family 
property is located on page RATE 11. 
2. Determine Zone. 
3. Determine Occupancy: Single Family, 2-4 
Family, Other Residential, Non-Residential, 
or Manufactured (Mobile) Home. 
4. Determine Building Type (including 
basement or enclosure, if any): one floor, 
two floors, three or more floors, split level, or 
manufactured (mobile) home on foundation. 
5. Determine if building has basement (or 
enclosed area below an elevated building): 
none, finished, or unfinished. 
6. Determine Elevation Difference. 
7. Calculate premium using the appropriate 
rates. 
8. Apply appropriate deductible factor if an 
Optional Deductible is selected. 
RATE 16 October 1, 2006 


CONDOMINIUMS


Important Notice to Agents: 

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

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

A. Residential Condominium: 
Association Coverage on Building and 
Contents 
A condominium association is the corporate entity 
responsible for the management and operation of 
a condominium. Membership is made up of the 
condominium unit owners. A condominium 
association may purchase insurance coverage on 
a residential building and its contents under the 
Residential Condominium Building Association 
Policy (RCBAP). The RCBAP covers only a 
residential condominium building in a Regular 
Program community. If the named insured is 
listed as other than a condominium association, 
the agent must provide legal documentation to 
confirm that the insured is a condominium 
association. 

B. Residential Condominium: 
Unit Owner’s Coverage on Building and 
Contents 
A condominium unit in a townhouse, rowhouse, 
high-rise or low-rise building is considered to be a 
single family residence. An individual dwelling 
unit in a condominium building may be insured in 
any one of three ways: 

• An individual unit and its contents may be 
separately insured under the Dwelling Form, 
in the name of the unit owner, at the limits of 
insurance for a single family dwelling. 
• An individual unit may be separately insured 
under the Dwelling Form, if purchased by the 
association in the name of the "owner of 
record unit number (#) and (name of) 
Association as their interests may appear," 
up to the limits of insurance for a single family 
dwelling. 
• An individual unit owned by the association 
may be separately insured under the 
Dwelling Form, if purchased by the 
condominium association. The single family 
limits of insurance apply. 
A policy on a condominium unit will be issued 
naming the unit owner and the association, as 
their interests may appear. Coverage under a unit 
owner's policy applies first to the individually 
owned building elements and improvements to 
the unit and then to the damage of the building's 
common elements that are the unit owner's 
responsibility. 

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

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

CONDO 1 October 1, 2007 

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

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

E. Nonresidential (Commercial) Condominium: 
Unit Owner's Coverage (Contents) 
The owner of a nonresidential condominium unit 
may purchase only contents coverage for that 
unit. Building coverage may not be purchased in 
the name of the unit owner. 

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

CONDO 2 May 1, 2005 


improvements within the units, and contents 
owned in common. Contents owned by individual 
unit owners should be insured under an individual 
unit owner's Dwelling Form. 

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

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

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

Basic Limit Amount: 

• The building basic limit amount of insurance 
for a detached building housing a single 
family unit owned by the condominium 
association is $50,000. 
• For residential townhouse/rowhouse and low-
rise condominiums, the building basic limit 
amount of insurance is $50,000 multiplied by 
the number of units in the building. 
• For high-rise condominiums, the building 
basic amount of insurance is $150,000. 
• The contents basic limit amount of insurance 
is $20,000. 
• For condominium unit owners who have 
insured their personal property under the 
Dwelling Form or General Property Form, 
coverage extends to interior walls, floor, and 
ceiling (if not covered under the condominium 
association’s insurance) up to 10 percent of 
the personal property limit of liability. Use of 
this coverage is at the option of the insured 
and reduces the personal property limit of 
liability. 
C. Replacement Cost 
As stated above in “B. Coverage Limits,” the 
RCBAP’s building coverage is on a Replacement 
Cost valuation basis. Replacement Cost Value 
means the cost to replace property with the same 
kind of material and construction without 
deduction for depreciation. A condominium unit 
owner’s Dwelling Form policy provides 
Replacement Cost coverage on the building if 
eligibility requirements are met. 

D. Coinsurance 
The RCBAP’s coinsurance penalty is applied to 
building coverage only. To the extent that the 
insured has not purchased insurance in an 
amount equal to the lesser of 80 percent or more 
of the full replacement cost of the building at the 
time of loss or the maximum amount of insurance 
under the NFIP, the insured will not be 
reimbursed fully for a loss. Building coverage 
purchased under individual Dwelling Forms 
cannot be added to RCBAP coverage in order to 
avoid the coinsurance penalty. The amount of 
loss in this case will be determined by using the 
following formula: 

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

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

E. Assessment Coverage 
The RCBAP does not provide assessment 

coverage. 

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

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

For more information on this topic, see “E. Loss 

Assessments” on page GR 11 and Section III. 

C.3. of the Dwelling Form, “Condominium Loss 
Assessments,” on page POL 8. 
CONDO 7 October 1, 2007 


V. DEDUCTIBLES AND FEES 
A. Deductibles 
The loss deductible shall apply separately to each 
building and personal property covered loss 
including any appurtenant structure loss. The 
Standard Deductible is $1,000 for a residential 
condominium building, located in a Regular Program 
Community in Special Flood Hazard Areas, i.e., 
Zones A, AO, AH, A1-A30, AE, AR, AR dual zones 
(AR/AE, AR/AH, AR/AO, AR/A1-A30, AR/A), V, 
V1-V30, or VE, where the rates available for 
buildings built before the effective date of the 
initial Flood Insurance Rate Map (FIRM), Pre-
FIRM rates, are used to compute the premium. 

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

Optional deductible amounts are available under 
the RCBAP. 

B. Federal Policy Fee 
The Federal Policy Fees for the RCBAP are: 

 1 unit -$ 30.00 per policy 

 2-4 units -$ 60.00 per policy 

 5-10 units -$ 150.00 per policy 

 11-20 units -$ 330.00 per policy 

21 or more -$ 630.00 per policy 

VI. TENTATIVE RATES AND SCHEDULED 
BUILDINGS 
Tentative Rates cannot be applied to the RCBAP. 
The Scheduled Building Policy is not available for 
the RCBAP. 

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

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

• The commission on a unit owner's policy will 
be retained, in full, by the producer, 
• The Federal Policy Fee and Probation Surcharge 
will be refunded on a pro rata basis, and 
• The premium refund will be calculated on a 
pro rata basis. 
An existing Dwelling Policy or RCBAP may be 
endorsed to increase amounts of coverage in 
accordance with Endorsement rules. They may 
not be endorsed mid-term to reduce coverage. 

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

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

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

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

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

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

Acceptable documentation of a building's RCV is 
a recent property inspection report that states the 
building's value on an RCV basis. The cost of the 
building's foundation must be included in 
determining the RCV. The cost of bringing the 
building into compliance with local codes (law and 
ordinance) is not to be included in the calculation 
of the building's replacement cost. To maintain 

CONDO 8 October 1, 2007 


INDEX


 A 

ABOVE GROUND BUILDING, PRINCIPALLY ...GR 3, DEF 7 
ACT........................................................ REF 1, GR 6, DEF 1 
ACTUAL CASH VALUE (ACV) ..................................... DEF 1 
ADDITIONS AND EXTENSIONS 
(TO BUILDING)............................................ GR 5, RATE 16 
ADJUSTER CONTROL OFFICE ........................ CL 3, DEF 1 
ALTERNATIVE RATES ...................RATE 21, END 2, DEF 1 
ANCHORED ................................................... GR 3-4, DEF 1 
APPLICATION ...................................... GR 11-13, APP 1-11, 
CONDO 8-9, PRP 4-7, DEF 1 
Binder or Certificate of Insurance...................GR 8, DEF 1 
Flood Insurance Application Form ......................APP 9-11 
Incomplete/Incorrect Applications ............................ APP 8 
Mailing Instructions...................................GR 8, 13, APP 8
APPURTENANT STRUCTURE ..........................GR 3, DEF 1 
ASSESSMENT COVERAGE ................ GR 11-12, CONDO 7 
ASSIGNMENT OF POLICY .............. GR 13, MPPP 6, DEF 1 


B 

BASE FLOOD ............................................................... DEF 1 
BASE FLOOD DEPTH................................. RATE 18, DEF 1
BASE FLOOD ELEVATION (BFE) .................... RATE 17-21, 
MAP 2, 3, DEF 1
BASEMENT ........... APP 1, 3, RATE 24, CERT 3, 4-5, DEF 1 
BINDER OR CERTIFICATE OF INSURANCE ...GR 8, DEF 1 
BLANKET INSURANCE ............................................... DEF 1 
BOATHOUSES...............................................................GR 4 
BREAKAWAY WALLS ....................... GR 5, RATE 20, DEF 1 
BUILDING.................................GR 3-6, 6-7, APP 3-4, DEF 1 
Additions and Extensions ......................... GR 5, RATE 16 
Building Coverage Limits........................................RATE 1 
Building in the Course of Construction......................GR 4, 
APP 5, CONDO 6, DEF 2 
Buildings in More Than One Flood Zone.................GR 12, 
RATE 17 
Building on Fill ............................................................ PR 2 
Building Over Water ...............................................GR 4, 7 
Building Partially Underground...................................GR 7 
Container-Type Building.............................................GR 7 
Contents .......................GR 6, 7, 8, APP 4, RATE 1, 25-28 
Elevated Building................................. APP 1, 3, 4, 5, 6, 7, 
RATE 19-21, DEF 3 
Floodproofed Building ...... RATE 30-31, CERT 3-8, DEF 4 
Manufactured (Mobile) Home/Travel Trailer...........GR 3-4, 
APP 1, 4, 5, 7, RATE 15, 16, PR 1, DEF 3, 5, 9 
Section 1316...................................................GR 6, DEF 8 
Single Building................................................GR 5, DEF 8 
Start of Construction........................... RATE 15-16, DEF 9 
Substantial Improvement........ APP 5, RATE 15-16, DEF 9 
Types of Buildings ...................... APP 1, 3-7, CONDO 6, 8 
BUILDING DIAGRAMS 1-8.................. LFG 4-7, CERT 18-19 
BUILDING DRAWINGS ........................................... LFG 8-59 
BUILDING OCCUPANCY ............................................GR 5-6 
BUSINESS ANALYST, WYO........................................REF 2 


C 

CANCELLATION/NULLIFICATION .......... CONDO 8, PRP 2, 
MPPP 6, CN 1-11, DEF 2, 6 
Cancellation/Nullification Request Form .............CN 10-11
Form Completion.....................................................CN 7-8 
Processing Outcomes Table ...................................... CN 9 
Reason Codes for Cancellation/Nullification...........CN 1-7 
Refunds...................................................................CN 1-8 
CERTIFICATIONS ................................................ CERT 1-37 


CISTERNS ..................................................... GR 4, 6, DEF 2 
CLAIMS ........................................................................ CL 1-5 
Appealing a Claim....................................................CL 1-3 
Filing a Claim .............................................................. CL 1 
Increased Cost of Compliance (ICC) Claims...........CL 4-5 
Insured's Responsibilities ........................................ CL 1-3 
Producer's Responsibilities......................................CL 3,4 
Single Adjuster Program ..............................CL 3-4, DEF 8 
Training ....................................................................... CL 4 
CLAIMS COORDINATING OFFICE (CCO).........CL 4, DEF 2 
CLOSED BASIN LAKE....................................... CN 6, DEF 2 
COASTAL BARRIER.....................................................DEF 2 
COASTAL BARRIER RESOURCES 
SYSTEM (CBRS) ................................... CBRS 1-12, DEF 2 
Coastal Barrier Improvement Act 
of 1990 (CBIA) ........................................CBRS 1, DEF 2 
Coastal Barrier Resources Act 
of 1982 (CBRA) .......................... GR 1, CBRS 1, DEF 2 
List of CBRS Communities................................CBRS 3-12 
COASTAL HIGH HAZARD AREA ...........RATE 29-30, DEF 2 
COINSURANCE ......................................... CONDO 7, DEF 2 
COMMERCIAL CONTENTS ........................GR 6, CONDO 2
COMMISSION, PRODUCER’S ........GR 13, CONDO 8, CN 8 
COMMON INTERIOR WALLS ....................................... GR 5 
COMMUNITY (See also PROBATION and 
SUSPENSION)..................................GR 1, APP 2-3, DEF 2 
Community Eligibility.................................................. GR 1 
Community Number ..................................... APP 3, DEF 2 
Community Status.....................................................APP 3 
Non-Participating Community ........................ GR 1, APP 3 
Participating Community................................GR 1, DEF 7 
Regular Program Community ...................................DEF 8 
COMMUNITY RATING SYSTEM (CRS).....CRS 1-28, DEF 2 
CONDOMINIUM ASSOCIATION ............CONDO 1-2, DEF 2 
CONDOMINIUMS..................................CONDO 1-31, DEF 2 
CONSTRUCTION DATA........................................... APP 4-6 
CONTACT INFORMATION, NFIP............................. REF 3-6 
CONTENTS...................... GR 6, 7, 8, APP 4, RATE 1, 25-28 
CONTINUOUS LAKE FLOODING ..................................CN 6 
CONTRACT AGENT.....................................GR 13, DEF 2-3
COOPERATIVES ........................................................... GR 6 
COUNTYWIDE MAP ........................................MAP 1, DEF 3 
COURSE OF CONSTRUCTION .....GR 4, APP 5, CONDO 6, 
DEF 2 
COVERAGE ...........GR 10-11, RATE 1-10, CONDO 6-7, 8-9, 
PRP 3, MPPP 3-4, END 1 
Additional Coverage or Increase in Coverage ......... END 1 
Amount of Insurance Available .............................. RATE 1 
Building Coverage............................ GR 3-6, 6-7, RATE 1, 
CONDO 8, PRP 3 
Contents Coverage .................GR 6, 7, 8, APP 4, RATE 1, 
CONDO 9, PRP 3 
Contents-Only Coverage .................RATE 55, PRP 1, 2, 3 
Limits of Coverage ....................................GR 10, RATE 1,
CONDO 7, 8-9, PRP 3, MPPP 3-4 
Reduction or Reformation/Removal 
of Insurance .....................GR 11, END 1, MPPP 5, PR 1 
CRAWL SPACE ..........................RATE 24A, CERT 2, LFG 2 
CREDIT CARD PAYMENT.......... APP 6, 7, REN 2, 8, MAP 4 
CREDIT CARD PAYMENT FORM...........................REN 2, 8 


D 

DATE OF CONSTRUCTION.....................APP 4-5, RATE 15 
DEF 3 
DECLARATIONS PAGE............................. MPPP 4-5, DEF 3 
DEDUCTIBLE BUYBACK.............................RATE 12, DEF 3
DEDUCTIBLE FACTORS.....................RATE 13, CONDO 22 


IND 1 October 1, 2007 


DEDUCTIBLES...................GR 10, APP 4, RATE 12, 13, 17, 
CONDO 8, 22, PRP 2, MPPP 5, END 2 
DEFINITIONS ..........................................................DEF 1-10 
DESCRIBED LOCATION.............................................. DEF 3 
DIAGRAM NUMBER..................................................... DEF 3 
DIRECT PHYSICAL LOSS BY OR FROM FLOOD ...... DEF 3 
DIRECT PROGRAM ....................................REF 2, 3, GR 12, 
APP 8, CONDO 7 
DISASTER ASSISTANCE ................. GR 3, APP 2, PRP 1, 4 
DOUBLEWIDE MANUFACTURED (MOBILE) 
HOME .............................................................APP 1, DEF 3 
DUPLICATE POLICIES .............................................. CN 2, 5 
DWELLING .................................................................. DEF 3 
DWELLING FORM (See also STANDARD FLOOD 
INSURANCE POLICY) ..... GR 1, 2, CONDO 8, POL 1, 2-21

 E 

EFFECTIVE DATE............................GR 8-10, PRP 1, REN 2 
ELEVATED BUILDING (See also LOWEST FLOOR GUIDE).... 
APP 1, 3, 4, 5, 6, 7, RATE 19-21, DEF 3 
ELEVATION CERTIFICATE ..................APP 5-6, LFG 2, 3-7, 
CERT 1-3, 11-37 
ELEVATION DIFFERENCE.......................... RATE 17-19, 30 
ELIGIBLE BUILDINGS.............................. GR 3-6, CONDO 6 
ELIGIBLE COMMUNITY (See PARTICIPATING 
COMMUNITY) 
ELIGIBLE CONTENTS ...................................................GR 6 
EMERGENCY PROGRAM .................. GR 1, RATE 1, DEF 3 
ENCLOSED AREA ........................................APP 3, LFG 1-2 
ENCLOSURE/ENCLOSED AREA (See also LOWEST 
FLOOR GUIDE) ............................... APP 1, 3, RATE 19-20, 
LFG 1-2, 3, 5, 7, DEF 3 
ENDORSEMENT ................................... GR 9-10, CONDO 8, 
PRP 2, MPPP 6, END 1-14, PR 1 
Endorsement Processing Prior to Policy Renewal .......END 3 
Endorsement Rules: Changing Deductibles.............END 2 
Endorsement Rules: Conversion of Standard Rated 
Policy to PRP Due to Misrating or Map Revision ...END 2 
Endorsement Rules: Correcting Property Address ..END 2 
Endorsement Rules: Coverage Endorsements ........END 1 
Endorsement Rules: Misrated Policy .......................END 2 
Endorsement Rules: Rating Endorsements ......... END 1-2 
Endorsements During Renewal Cycle......................REN 2 
General Change Endorsement Form ............... END 13-14 
Preparation of Form ............................................. END 3-4 
Rating Examples ................................................ END 5-12 
Refund Processing ............................................... END 3-4 
EQUIPMENT (See MACHINERY AND EQUIPMENT) 
EROSION ..................................................................... DEF 3 
ERRORS, RATING ................................................... END 1-2 
EVIDENCE OF INSURANCE .........................................GR 8 
EXPENSE CONSTANT ................................................ DEF 3 

F 

FEDERAL LAND.............................................................GR 1 
FEDERAL POLICY FEE ................. RATE 12, 17, CONDO 8, 
MPPP 5, DEF 3 
FEMA ........................................ REF 1, RATE 21, 30, SRL 1, 
DEF 1, 2, 3, 4, 5, 6, 7, 9, 10 
FHBM (See FLOOD HAZARD BOUNDARY MAP) 
FICO (See FLOOD INSURANCE CLAIMS OFFICE) 
FINANCIAL ASSISTANCE/SUBSIDY 
ARRANGEMENT.....................................MPPP 2, 6, DEF 3 
FINISHED (HABITABLE) AREA ................................... DEF 3 
FINISHED BASEMENT ................................................ APP 1 
FIRM (See FLOOD INSURANCE RATE MAP) 
FIRM ZONES............................................................... MAP 2 
FLOOD.......................................................................... DEF 4 
FLOOD DISASTER PROTECTION 
ACT OF 1973.......................................................MPPP 1, 3 

FLOOD HAZARD BOUNDARY MAP (FHBM)............... GR 1, 
MAP 1, 2, 4-6, 8, DEF 4 
FLOOD INSURANCE CLAIMS OFFICE (FICO) ............ CL 3, 
DEF 4 
FLOOD INSURANCE RATE MAP (FIRM) .................... GR 1, 
CERT 2, MAP 1, 3, 4-6, 7, DEF 4 
FLOOD MAP “GRANDFATHERING”.................RATE 21-23, 
PRP 1, DEF 4 
FLOOD MAPS ................................................ GR 1, MAP 1-8 
Changing or Correcting a Flood Map.......................MAP 3 
Countywide Map..........................................MAP 1, DEF 3 
FEMA Map Assistance Center.................................MAP 3 
FEMA Map Service Center ......................REF 4, MAP 4, 5 
“FIRMettes”..............................................................MAP 4 
Letter of Map Amendment (LOMA) ................ CN 5-6, 6-7, 
MAP 3, DEF 5 
Letter of Map Revision (LOMR) ..................... CN 5-6, 6-7, 
MAP 3, DEF 5 
Locating a Specific Property .................................MAP 2-3 
Map "Grandfather" Rules ....... RATE 21-23, PRP 1, DEF 4 
Map Panel Number .................................................MAP 1 
Map Revision ..................... PRP 2, 3, END 2, CN 3-4, 6-7, 
MAP 3, 4, DEF 6 
Map Zones (Flood Zones) .......................................MAP 2 
Ordering Information and Prices.......................MAP 4, 5-6 
Physical Map Revision ...........................................MAP 3 
FLOOD VENTS (See PROPER OPENINGS) 
FLOOD RESPONSE OFFICE (FRO)............................DEF 4 
FLOODPLAIN................................................................DEF 4 
FLOODPLAIN MANAGEMENT.....................................DEF 4 
FLOODPROOFING APP 6, RATE 30-31, CERT 3-10, DEF 4 
FLOODPROOFING CERTIFICATE FOR 
NON-RESIDENTIAL STRUCTURES ..................CERT 9-10 
FLOODPROOFING CERTIFICATE, 
RESIDENTIAL BASEMENT ..................................CERT 7-8 
FORCED PLACEMENT (MANDATORY PURCHASE)........... 
GR 2, MPPP 2, CN 2, DEF 5 
FREEBOARD ................................................................DEF 4 

G 

GARAGES.......................................................... GR 3, LFG 1 
GENERAL CHANGE ENDORSEMENT 
(See ENDORSEMENT) 
GENERAL PROPERTY FORM (See also STANDARD 
FLOOD INSURANCE POLICY).........GR 1, 2, POL 1, 22-40 
GENERAL RULES .................................................... GR 1-13 
GRADE ELEVATION.....................................................DEF 4 
“GRANDFATHERING” (See FLOOD MAP 
“GRANDFATHERING”) 
GROUP FLOOD INSURANCE .......................... GR 3, DEF 4 

H 

HABITABLE AREA (See FINISHED AREA) 
HISTORIC BUILDING ...............................RATE 15, DEF 4-5 
HIGH-RISE BUILDING...............................CONDO 6, DEF 4 
HOMELAND SECURITY, U.S. DEPARTMENT OF....REF 1, DEF 3 

I 

ICC (See INCREASED COST OF COMPLIANCE) 
IMPROVEMENTS AND BETTERMENTS........GR 12, DEF 5 
INCIDENTAL OCCUPANCY ....................................... GR 5-6 
INCREASED COST OF COMPLIANCE (ICC) 
COVERAGE .............. GR 10-11, RATE 14, 17, CONDO 21, 
MPPP 1, CL 4-5, DEF 5 
INELIGIBLE COMMUNITY (See NON-PARTICIPATING 
COMMUNITY) 
INELIGIBLE PROPERTY ............................................ GR 6-8 
INFLATION FACTOR.......................................GR 10, REN 1 

IND 2 October 1, 2007 


INSECT SCREENING (BELOW LOWEST ELEVATED 
FLOOR) ......................................... RATE 7, 20, CONDO 19 
INSURANCE PRODUCTS, NFIP ................................GR 2-3 

L 

LAPSE IN COVERAGE ............................................ REN 1-2 
LATTICE (BELOW LOWEST ELEVATED FLOOR) ............... 
RATE 7, 20, 46, CONDO 19 
LETTER OF DETERMINATION REVIEW (LODR)................. 
CN 5, DEF 5 
LETTER OF MAP AMENDMENT 
(LOMA) ............PRP 2, END 2, CN 1, 5-6, 7, MAP 3, DEF 5 
LETTER OF MAP REVISION 
(LOMR) ............PRP 2, END 2, CN 1, 5-6, 7, MAP 3, DEF 5 
LOSS ASSESSMENT COVERAGE ..... GR 11-12, CONDO 7 
LOSS HISTORY ...............................................PRP 1, SRL 1 
LOSS IN PROGRESS .................................................. DEF 5 
LOWEST ADJACENT GRADE ..................................... DEF 5 
LOWEST FLOOR ......APP 6, RATE 17-21, LFG 1-59, DEF 5 
Building Diagrams 1-8 ..................... LFG 4-7, CERT 18-19 
Building Drawings ............................................... LFG 8-59 
Lowest Floor Determination .................................. LFG 1-7 
Lowest Floor Elevation ........... APP 6, RATE 17-21, DEF 5 
Use of Elevation Certificate ...................................... LFG 2 
LOWEST FLOOR GUIDE ........................................ LFG 1-59 
LOW-RISE BUILDING ...............................CONDO 6, DEF 5 

M 

MACHINERY AND EQUIPMENT ...................... RATE 19-20, 
LFG 1, 2, CERT 2 
MANDATORY PURCHASE (FORCED PLACEMENT) .......... 
GR 2, MPPP 2, CN 2, DEF 5 
MANUFACTURED (MOBILE) HOMES/ 
TRAVEL TRAILERS .................. GR 3-4, APP 1, 4, 7, PR 1, 
DEF 3, 5, 9 
Date of Construction................................ APP 5, RATE 15 
Doublewide...................................................APP 1, DEF 3 
MANUFACTURED (MOBILE) HOME PARK OR 
SUBDIVISION.........................................................DEF 5- 6 
MAP “GRANDFATHERING” (See FLOOD MAP 
“GRANDFATHERING”) 
MAPS (See FLOOD MAPS) 
MEAN SEA LEVEL (See NATIONAL GEODETIC 
VERTICAL DATUM [NGVD]) 
MISCELLANEOUS RULES .....................................GR 12-13 
Application Submission ............................................GR 12 
Assignment of Policy................................................GR 12 
Commission, Producer’s ..........................................GR 13 
Delivery of Policy......................................................GR 12 
Policy Term...............................................................GR 12 
MITIGATION ................................................................. SRL 1 
MODULAR BUILDING .................................................. DEF 6 
MORTGAGE PORTFOLIO PROTECTION 
PROGRAM (MPPP).......................GR 2, MPPP 1-6, DEF 6 
MORTGAGEE... APP 2, RATE 17, PRP 4, MPPP 1-6, REN 1 
MUDFLOW ................................................................... DEF 6 
MULTI-FAMILY RESIDENCE (DWELLING) (See 
2-4 FAMILY RESIDENCE [DWELLING]) 
MULTI-PROPERTY LETTER OF MAP AMENDMENT 
(LOMA) OR LETTER OF MAP REVISION (LOMR) ..... CN 6 

N 

NATIONAL FLOOD INSURANCE ACT OF 1968 (See ACT) 
NATIONAL FLOOD INSURANCE PROGRAM (NFIP) ........... 
REF 1, DEF 6 
NATIONAL GEODETIC VERTICAL DATUM (NGVD) .. DEF 6 
NATURAL GRADE ....................................................... DEF 6 
NEW CONSTRUCTION................................................ DEF 6 

NFIP BUREAU AND STATISTICAL AGENT........ REF 2, 5-6, 
SRL 1, DEF 6 
NFIP CONTACT INFORMATION.............................. REF 3-6 
NFIP SERVICING AGENT ............... REF 2, 3, SRL 1, DEF 6 
NFIP SPECIAL DIRECT FACILITY (SDF) ...................REF 2, 
SRL 1, DEF 6 
NON-PARTICIPATING COMMUNITY ........................... GR 1 
NON-PAYMENT .......................................................... CN 2-3 
NON-RESIDENTIAL..... GR 6, 7-8, CONDO 2, PRP 3, DEF 6 
NOTICE OF LOSS .......................................................... CL 1 
NULLIFICATION (See CANCELLATION/NULLIFICATION) 

O 

OCCUPANCY CLASSIFICATION...................GR 5-6, APP 3 
OTHER INSURANCE...................................... MPPP 6, CN 2 
OTHER RESIDENTIAL ...................................... GR 6, DEF 6 
OTHERWISE PROTECTED AREAS ......................CBRS 1-2 
OUT-AS-SHOWN DETERMINATION CN 3, MAP 3, DEF 6-7 
OVER WATER ........................................................... GR 4, 7 


P 

PAPERWORK BURDEN DISCLOSURE 
NOTICE ........................................................ REF 7, APP 11 
PARTICIPATING COMMUNITY......................... GR 1, DEF 7 
PHOTOGRAPH REQUIREMENTS (FOR ELEVATION 
CERTIFICATE)......................................................CERT 1-2 
PHYSICAL MAP REVISION (PMR) .............................MAP 3 
POLICIES AVAILABLE................................................ GR 1-2 
POLICY .........................................................................DEF 7 
POLICY RENEWALS........GR 10, PRP 2, MPPP 5, REN 1-8 
Credit Card Payment Form .................................. REN 1, 8 
Endorsements During Renewal Cycle ..................... REN 2 
Expiration Notice to Mortgagee................................ REN 1 
Final Notice...................................................REN 2, 3, 6-7 
Insufficient Renewal Information..............................REN 2 
Renewal Effective Date Determination .................... REN 2 
Renewal Notice.........................................REN 1, 2, 3, 4-5
Severe Repetitive Loss Policies................REN 2, SRL 1-5
Waiting Period...................................................... REN 1, 2 
POLICY TERM .................. GR 12, APP 1-2, PRP 4, MPPP 3
POLLUTANTS...............................................................DEF 7 
PONDING HAZARD......................................................DEF 7 
POST-FIRM BUILDING (CONSTRUCTION) .......... RATE 16, 
DEF 7 
PRE-FIRM BUILDING (CONSTRUCTION)........RATE 15-16, 
DEF 7 
PREFERRED RISK POLICY (PRP).............................. GR 2, 
PRP 1-7, DEF 7
Completing PRP Application Form ....................... PRP 4-5 
Conversion of PRP to Standard Rated Policy.......... PRP 4 
Conversion of Standard Rated Policy to PRP Due to 
Map Revision, LOMA, or LOMR ............................ PRP 4 
Conversion of Standard Rated Policy to PRP Due to 
Misrating ............................................................ PRP 2, 4 
Coverage Limits ....................................................... PRP 2 
Coverage/Premium Tables ...................................... PRP 3 
Deductibles .............................................................. PRP 2 
Discounts/Fees/ICC Premium.................................. PRP 2 
Documentation......................................................... PRP 2 
Eligibility Requirements..................................... PRP 1-2, 3 
Endorsements.......................................................... PRP 2 
General Description ................................................. PRP 1 
PRP Application Form........................................... PRP 6-7 
Renewal ................................................................... PRP 2 
Replacement Cost Coverage................................... PRP 2 
PREMIUM............................................................RATE 16-17
Credit Card Payment ...........................APP 6, 7, REN 2, 8 
Credit Card Payment Form .................................. REN 2, 8 
Premium Calculation.......................................RATE 16-17


IND 3 October 1, 2007 


Premium Discounts ..................................................CRS 1 
Premium Payment.........................APP 6, 7, RATE 16-17, 
CONDO 9, PRP 5, MPPP 4, REN 1-2 
Prepaid Amount (Total) ............................................ DEF 7 
Prepaid Premium (Total) .......................................... DEF 7 
Presentment of Payment (Premium) ........................ DEF 7 
Refunds............................................END 1-2, 3-4, CN 1-6 
PREPAID AMOUNT (TOTAL) ...................................... DEF 7 
PREPAID PREMIUM (TOTAL) .................................... DEF 7 
PRESENTMENT OF PAYMENT (PREMIUM) ............. DEF 7 
PRINCIPAL RESIDENCE ............................................. DEF 7 
PRINCIPALLY ABOVE GROUND BUILDING .............. DEF 7 
PROBATION.......................................................GR 1, DEF 7 
PROBATION SURCHARGE..............GR 1, RATE 12, DEF 7 
PROOF OF INSURANCE...............................................GR 8 
PROOF OF LOSS........................................................CL 1, 2 
PROPER OPENINGS (FLOOD VENTS) ..... LFG 1, 2, 3, 5, 7, 
DEF 7 
PROPERTY LOCATION................APP 2-3, PRP 4-5, END 3 
PROPERTY REMOVED TO SAFETY EXPENSE ........ DEF 7 
PROVISIONAL RATING ..................... GR 12, PR 1-5, DEF 7 
Completing the Provisional Rating Questionnaire: 
General Directions.................................................... PR 2 
Completing the Provisional Rating Questionnaire: 
Guidance for Determining Building Elevated on Fill .... PR 2 
Eligibility Requirements .............................................. PR 1 
General Description.................................................... PR 1 
Notification Requirements .......................................... PR 1 
Provisional Rating Example ....................................... PR 4 
Provisional Rating Questionnaire ............................... PR 3 
Reformation: Endorsement Procedure.......................PR 1 
Reformation: Endorsement Alternative ...................... PR 1 
Reformation: Limitations............................................. PR 1 
Sample Notice to Accompany 
Provisionally Rated Policies ..................................... PR 5 


R 

RATE TABLES......................RATE 1-14, 32, CONDO 10-22, 
PRP 3, MPPP 1, PR 3, CRS 1 
RATING ........................... GR 11, RATE 1-61, CONDO 1-31,
CERT 4, END 1-2 
Alternative Rates ..................................... RATE 21, END 2
Amount of Insurance Available...............................RATE 1 
AR, AR Dual Zones ..............................................RATE 19 
Buildings in More Than One Flood Zone ..GR 12, RATE 17 
Condominiums...............................................CONDO 1-31 
Contents Location .......................................... RATE 25-28
Crawl Space ...................................................... RATE 24A 
Deductibles.................................. RATE 12, 13, CONDO 7 
Effect of Map Revisions on Rates .................. RATE 21-23
Elevation Difference ....................................... RATE 17-19
FIRMs with Wave Heights .............................. RATE 29-30
Flood Map “Grandfathering”...RATE 21-23, PRP 1, DEF 4 
Floodproofed Buildings................................... RATE 30-31
Key Points for Rating............................................RATE 17 
Optional Elevation Rating ........................RATE 19, LFG 2
Premium Calculation ...................................... RATE 16-17
Provisional Rates ........................... GR 12, PR 1-5, DEF 7 
Rate Reduction.........................................................END 1 
Rate Tables ......... RATE 1-14, 32, CONDO 10-22, PRP 3, 
MPPP 1, PR 3, CRS 1 
Rating Error .......................................................... END 1-2 
Rating Examples ............... RATE 17-19, 22-23, 29, 47-61, 
CONDO 23-31, END 5-12, PR 4
Rating Steps................................................... RATE 15-16 
Re-Rating ....................................................... RATE 23-24
Submit-for-Rate ........................... GR 12, RATE 24, DEF 9 
Tentative Rates .........GR 12, RATE 21, CONDO 8, DEF 9 
V-Zone Optional Rating........................................RATE 23 
V-Zone Risk Factor Rating Form.................... RATE 31-46


RCBAP (See RESIDENTIAL CONDOMINIUM BUILDING 
ASSOCIATION POLICY) 
RECREATIONAL VEHICLE ..........................................DEF 1 
REFORMATION..................................GR 11, MPPP 5, PR 1 
REFUNDS ............................................ END 1-2, 3-4, CN 1-7 
REGIONAL OFFICES, NFIP ..................................... REF 5-6 
REGULAR PROGRAM.........................GR 1, RATE 1, DEF 8 
RENEWALS (See POLICY RENEWALS) 
REPETITIVE LOSS.......... GR 4, 11, REN 2, SRL 1-8, DEF 8 
REPLACEMENT COST....................APP 4, RATE 20-21, 30, 
CONDO 7, 8, PRP 2, 5, DEF 8 
RESIDENTIAL ........................... GR 5-6, CONDO 1-2, PRP 3 
RESIDENTIAL BASEMENT FLOODPROOFING 
CERTIFICATE.......................................................CERT 7-8 
RESIDENTIAL CONDOMINIUM BUILDING ...... CONDO 1-2, 
DEF 8 
RESIDENTIAL CONDOMINIUM BUILDING ASSOCIATION 
POLICY (RCBAP) (See also STANDARD FLOOD 
INSURANCE POLICY) ........GR 1, 2, APP 4, CONDO 1-31, 
POL 1, 42-61 
Application Form ............................................. CONDO 8-9 
Assessment Coverage....................................... CONDO 7 
Building Type ................................................. CONDO 6, 8 
Cancellation or Endorsement of Existing 
Unit Owners’ Dwelling Policies ........................ CONDO 8 
Coinsurance....................................................... CONDO 7 
Commission, Producer’s .................................... CONDO 8 
Condominium Building in the Course 
of Construction................................................. CONDO 6 
Coverage, Building.......................................... CONDO 8-9 
Coverage, Contents........................................CONDO 8-9 
Coverage Limits .......................................... CONDO 7, 8-9 
Deductibles .................................................. CONDO 8, 22 
Determining Rates and Fees ............................. CONDO 9 
Eligibility Requirements...................................... CONDO 6 
Federal Policy Fee ............................................. CONDO 8 
Property Covered............................................... CONDO 6 
Rate Tables................................................. CONDO 10-22 
Rating Examples.........................................CONDO 23-31 
Replacement Cost ......................................... CONDO 7, 8 
Tentative Rates and Scheduled Buildings ......... CONDO 8 
ROWHOUSES/TOWNHOUSES ................CONDO 6, PRP 2 

S 

SCHEDULED BUILDING POLICY .................... GR 2, APP 1, 
CONDO 8, DEF 8 
SCREENING, INSECT (BELOW LOWEST ELEVATED 
FLOOR) ..........................................RATE 7, 20, CONDO 19 
SECTION 1316................................................... GR 6, DEF 8 
SEPARATE BUILDING (See SINGLE BUILDING) 
SEVERE REPETITIVE LOSS PROPERTIES ............... GR 4, 
REN 2, SRL 1-8, DEF 8 
SFIP (See STANDARD FLOOD INSURANCE POLICY) 
SHEAR WALLS..................................................GR 5, DEF 8 
SHEET FLOW HAZARD ...............................................DEF 8 
SILOS ......................................................................... GR 4, 6 
SINGLE ADJUSTER PROGRAM.....................CL 3-4, DEF 8 
SINGLE BUILDING ............................................ GR 5, DEF 8 
SINGLE-FAMILY RESIDENCE (DWELLING)............... GR 5, 
DEF 8 
SLATS OR SHUTTERS (BELOW LOWEST ELEVATED 
FLOOR)..........................................RATE 7, 20, CONDO 19 
SOLID PERIMETER FOUNDATION WALLS................ GR 5, 
RATE 20, DEF 8 
SPECIAL CERTIFICATIONS ................................CERT 1-37 
SPECIAL DIRECT FACILITY (See NFIP SPECIAL 
DIRECT FACILITY) 
SPECIAL FLOOD HAZARD AREA (SFHA) .....MAP 2, DEF 8 

IND 4 October 1, 2007 


SPECIAL RATING SITUATIONS............ GR 11, RATE 21-24 
Alternative Rates ..................................................RATE 21 
Buildings in More Than One 
Flood Zone ............................................ GR 12, RATE 17
Crawl Space ...................................................... RATE 24A 
Map “Grandfather” Rules: Effect of Map Revisions 
on Rates ....................................................... RATE 21-23
Policies Requiring Re-Rating ......................... RATE 23-24
Post-’81 V Zone Optional Rating..........................RATE 23 
Provisional Rates .........................................GR 12, DEF 7 
Submit-for-Rate......................GR 12, RATE 23-24, DEF 9 
Tentative Rates .........GR 12, RATE 21, CONDO 8, DEF 9 
STANDARD FLOOD INSURANCE POLICY (SFIP)..GR 1, 2, 
POL 1-61, DEF 8-9 
Agreement....................................................POL 3, 23, 43 
Claim Guidelines in Case of a Flood .......... POL 21, 40, 61 
Coinsurance ........................................................... POL 52 
Deductibles............................................POL 12, 32, 51-52
Definitions....................................... POL 3-5, 23-25, 43-45 
Dwelling Form..........................................POL 2-21, DEF 8
Exclusions .................................. POL 11-12, 31-32, 50-51 
General Conditions..................... POL 12-20, 32-38, 53-59 
General Property Form..........................POL 22-40, DEF 8 
Liberalization Clause .................................. POL 20, 39, 60 
Property Covered ......................... POL 5-10, 25-30, 45-50 
Property Not Covered.......................POL 10-11, 30-31, 50 
Residential Condominium Building Association 
Policy............................................... POL 42-61, DEF 8-9 
Summary of Significant Changes, December 2000 ...........
POL 2, 22, 42 
What Law Governs.....................................POL 20, 39, 60 
START OF CONSTRUCTION ...................................... DEF 9 
STOCK.......................................................................... DEF 9 
SUBMIT-FOR-RATE...................GR 12, RATE 23-24, DEF 9 
SUBSTANTIAL DAMAGE.....GR 11, RATE 16, 23-24, DEF 9 
SUBSTANTIAL IMPROVEMENT................................. APP 5, 
RATE 15-16, 23, DEF 9 
SUSPENSION ....................................................GR 1, DEF 9 


T 

TECHNICAL ASSISTANCE..........................................REF 2 
TELEPHONE NUMBERS..........................................REF 3-6 
TENTATIVE RATES ......GR 12, RATE 21, CONDO 8, DEF 9 

TIMESHARES ................................................................ GR 6 
TOWNHOUSES/ROWHOUSES ................CONDO 6, PRP 2 
TRANSFER OF TITLE ................................................. GR 12 
TRAVEL TRAILERS (See MANUFACTURED [MOBILE] 

 HOMES/TRAVEL TRAILERS) 
2-4 FAMILY RESIDENCE (DWELLING).........GR 5-6, DEF 9 

U 

UNDERGROUND BUILDING........................................DEF 9 
UNFINISHED AREA......................................................DEF 9 
UNFINISHED BASEMENT............................................APP 1 
UNIT ..............................................................................DEF 9 


V 

VALUED POLICY..........................................................DEF 9 
VARIANCE ....................................................................DEF 9 
VEHICLES AND EQUIPMENT....................................... GR 6 
V-ZONE OPTIONAL RATING .................................. RATE 23 
V-ZONE RISK FACTOR RATING FORM............RATE 31-46


 W 

WAITING PERIOD ................... GR 8-10, MPPP 4, REN 1, 2, 
PR 1, DEF 10 
WALLED AND ROOFED.................................. GR 3, DEF 10 
WALLS .............................. GR 5, RATE 20, LFG 2, 3, DEF 8 
Breakaway Walls .......... GR 5, RATE 20, LFG 2, 3, DEF 1 
Common Interior Walls .............................................. GR 5 
Shear Walls.................................................... GR 5, DEF 8 
Solid Perimeter Foundation Walls.............GR 5, RATE 20, 
LFG 7, DEF 8 
WAVE HEIGHT .........................APP 6, RATE 29-30, DEF 10 
Calculating Wave Height Adjustment.....RATE 29, DEF 10 
WHOLE DOLLAR PREMIUM...................................RATE 17 
WIND LOSSES................................................................ CL 4 
WRITE YOUR OWN (WYO) PROGRAM .... REF 1-2, DEF 10

 Z 

ZONE (See also Map Zones under FLOOD MAPS) ...MAP 2, 
DEF 10 

IND 5 October 1, 2007