Terms frequently used by FEMA. In a few instances, standard insurance industry terms have been added for additional focus and emphasis.
A form of compensation to part-time firefighters or other emergency responders where the responders only report to work and receive compensation when contacted by a dispatcher.
A community for which FEMA has authorized the sale of flood insurance under the NFIP.
Post-Katrina Emergency Management Act.
A group of volunteers with fire service specialists who review and evaluate funding requests submitted to the Assistance to Firefighters Grant Program and provide recommendations regarding the disposition of the applications.
An interim report of the specific activities the recipient of a discretionary grant or cooperative agreement has performed during the budget or project period. For example, for the Assistance to Firefighters Grants, awarded applicants are required to prepare a mid-year progress report and a closeout report at the end of the grant period.
The total amount of time (sometimes several years) during which the federal agency authorizes a grantee to complete the approved work of the project described in the application. Performance periods of more than 1 year are divided into budget periods.
This refers to the state of "long-term housing."
Personal Protective Equipment includes items required by applicable Occupational Safety and Health Administration (OSHA) standards needed to enhance the operational safety of the firefighter.
Point of contact.
The entire written contract between the insured and the insurer. It includes the following:
o The printed policy form;
o The Application and declarations page;
o Any endorsement(s) that may be issued; and
o Any renewal certificate indicating that coverage has been instituted for a new policy and new policy term.
o Only 1 dwelling, specifically described by the prospective policyholder in the Application, may be insured under a policy.
Substances that include, but are not limited to, any solid, liquid, gaseous or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals and waste. "Waste" includes, but is not limited to, materials to be recycled, reconditioned or reclaimed.
A flood hazard that occurs in flat areas when there are depressions in the ground that collect "ponds" of water. The ponding hazard is represented by the zone designation AH on the Flood Insurance Rate Map (FIRM).
The number of individuals residing in a geographic area. The population figure is based on the most recent official census and only includes those individuals who permanently reside within the jurisdiction served. Population figures do not include daily or seasonal population surges.
A building for which construction or substantial improvement occurred after December 31, 1974 or on or after the effective date of an initial Flood Insurance Rate Map (FIRM), whichever is later.
Post-Flood Insurance Rate Map (FIRM) buildings are new construction and those built after the effective date of the first FIRM for a community. Insurance rates for Post-FIRM buildings are dependent on the elevation of the lowest floor in relation to the Base Flood Elevation (BFE).
A building for which construction or substantial improvement occurred on or before December 31, 1974 or before the effective date of an initial Flood Insurance Rate Map (FIRM).
Pre-Flood Insurance Rate Map (FIRM) buildings are those built before the effective date of the first Flood Insurance Rate Map (FIRM) for a community. This means they were built before detailed flood hazard data and flood elevations were provided to the community and usually before the community enacted comprehensive regulations on floodplain regulation. Pre-FIRM buildings can be insured using "subsidized" rates. These rates are designed to help people afford flood insurance even though their buildings were not built with flood protection in mind.
Expenses or obligations incurred before the effective date of the grant.
A lower-cost Standard Flood Insurance Policy (SFIP) written under the Dwelling Form or General Property Form. It offers fixed combinations of building/contents coverage limits or contents-only coverage. The PRP is available for property located in B, C and X Zones in Regular Program communities that meets eligibility requirements based on the property’s flood loss history. It is also available for buildings that are eligible under the PRP Eligibility Extension.
A joint assessment used to determine the magnitude and impact of an event's damage. A FEMA/State team will usually visit local applicants and view their damage first-hand to assess the scope of damage and estimate repair costs. The State uses the results of the PDA to determine if the situation is beyond the combined capabilities of the State and local resources and to verify the need for supplemental Federal assistance. The PDA also identifies any unmet needs that may require immediate attention.
The total amount that must be submitted with an application or renewal in order to be acceptable for coverage. It is determined by adding the Federal Policy Fee to the Total Prepaid Premium.
The amount on the application (excluding the Preferred Risk Policy [PRP] Application) that includes the Annual Subtotal, the Increased Cost of Compliance (ICC) Premium, the Community Rating System (CRS) Premium Discount (if applicable), and the Probation Surcharge (if applicable).