AppLICATION 


I. USEOFTHEFORM 
The National Flood Insurance Program (NFIP) Flood 
Insurance Application form, or a similar form for Write 
Your Own (WYO) Companies, must be used for all flood 
insurance policies except the Preferred Risk Policy 
(PRP). For a Scheduled Building Policy, an Application 
must be completed for each building and/or contents 
for which coverage is requested. See the Scheduled 
Building Policy subsection in this section. 

This section includes important guidance to carry out 
the regulatory intent and instructions for the rating of 
different building types. 

The flood insurance rate to be applied to a building 
insured under the NFIP is determined by establishing 
the following: 

•Whether the building is Post-FIRM construction or 
Pre-FIRM construction. 
•The building description with regard to: 
º Building occupancy; 

º Building type; 

º Basement type; 

º Elevated building type. 

•The flood risk zone. 
•The elevation of the building. 
II. COMpLETING pART 1 OF THE FLOOD 
INSURANCEAppLICATIONFORM 
The following are instructions for completing Part 1 of 
the Flood Insurance Application form. 

A. policyStatus 
Check the appropriate box to indicate if the Application 
is for a NEW policy or RENEWAL of an existing policy. 
If the Application is for a renewal, enter the current 
10-digit policy number. 


Enter the policy effective date and policy expiration date 
(month/day/year).Checktheboxfortheapplicablewaiting 
period. The effective date of the policy is determined by 
adding the appropriate waiting period, if applicable, to 
the date of application listed in the “Signature” section. 
The standard waiting period is 30 days. 

NOTE: Refer to the Effective Date subsection of the 
General Rules section in this manual for exceptions 
to the standard waiting period. 

C. AgentInformation 
Enter the agent’s/producer’s name, agency name 
and number, street address, city, state, ZIP Code, 
phone number, and fax number. Enter the agent’s/ 
producer’s Tax I.D. Number. 

D. InsuredMailingAddress 
Enter the name, mailing address, city, state, ZIP Code, 
and telephone number of the insured. 

If the insured’s mailing address is a post office box or 
a rural route number, or if the address of the property 
to be insured is different from the mailing address, 
the “Property Location” section of the Application 
must be completed. If there is more than 1 building 

at the property location, see “F. Property Location” for 

B. policyTerm 
further instructions. 

E. DisasterAssistance 
Check the appropriate box to indicate who should 


receive the renewal bill. If BILL FIRST MORTGAGEE 

Check YES if flood insurance is being required for 

is checked, complete “Mortgagee” section. If BILL 

disaster assistance. Identify the Government (disaster) 

SECOND MORTGAGEE, BILL LOSS PAYEE, or BILL 

agency and enter the insured’s case file number. 

OTHER is checked, complete the “Second Mortgagee/ 
Other” section. 

If NO is checked, no further information is required. 

App1 May 1, 2011 


F. propertyLocation 
Check YES if the location of the property being insured 
is the same as the insured’s mailing address entered 
in the “Insured Mailing Address” section. Leave the 
rest of the section blank unless there is more than 1 
building at the property location. 

If NO is checked, provide the address or location of the 
property to be insured. 

If the insured’s mailing address is a post office box 
or rural route number, give the street address, legal 
description, or geographic location of the property. 

If more than 1 building is at the location of the insured 
property, use the “Property Location” section to 
specifically identify the building. An example would 
be where 5 buildings with the same mailing address 
and location are insured with separate policies. 
Describe briefly the building (barn, silo, etc.) in this 
section or submit a sketch showing the location of 
the insured building to assist the NFIP in matching the 
policy number to the specific building insured. A clear 
description of the insured’s property is important. 

G. Mortgagee 
Enter the name, mailing address, city, state, ZIP 
Code, telephone number, and fax number of the 
first mortgagee. Enter the loan number. If any of this 
information is not available at the time of application, 
add it to the policy by submitting a change request. 

For condominium association applications, do not 
enter the mortgagees for the individual condominium 
unit owners. 

H. SecondMortgagee/Other 
Identify the second mortgagee or the loss payee by 
checking the appropriate box and entering the loan 
number and the mortgagee’s name, mailing address, 
telephone number, and fax number. 

For condominium association applications, do not 
enter the mortgagees for the individual condominium 
unit owners. 

If more than 1 additional mortgagee or disaster 
assistance agency exists, provide the requested 
information on the insurance agency’s letterhead and 
attach the letterhead to the Application form. 

I. Community 
Enter the Flood Insurance Rate Map (FIRM) information 
that will be used for rating. Use the current map 
information, unless the grandfathering rule applies. 

Enter name of the county or parish where the property 
is located. (Not all communities that have been 
assigned NFIP community numbers are participating 
in the NFIP. Policies may not be written in nonparticipating 
communities.) 

Enter the community identification number, map panel 
number, and revision suffix of the map that will be 
used for rating for the community where the building 
is located. When there is only 1 panel (i.e., a flat map), 
the community number will consist of only 6 digits. 
Use the FIRM in effect and that has been published at 
the time of presentment of premium and completion 
of the Application. 

NOTE: The postal address of the insured building 
may not reflect the community where the 
property is located. Therefore, do not rely on the 
postal address when determining community 
status and identification. 

In addition, because of possible changes in the 
FIRM, do not rely on information from a prior policy as 
accurately reflecting the current FIRM information. 

The current community number may also be obtained 
from a flood zone determination or by checking the 
NFIP Community Status Book online (http://www. 
fema.gov/fema/csb.shtm) or contacting the insurer or 
a local community official. 

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

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). 

App2 May 1, 2011 


Check if the community is in the Regular Program or 
the Emergency Program. 

NOTE: If the community contains a Coastal Barrier 
Resources System (CBRS) or Otherwise Protected 
Area (OPA), see the CBRS section in this manual for 
additional information. 


Check YES if the grandfathering rule is being applied, 
and complete this section; otherwise, check NO. 

If YES: 

•Check whether the building is eligible for 
grandfathering under the built-in-compliance or the 
continuous-coverage provision. 
•Enter the prior policy number if grandfathering under 
continuous coverage. 
•Enter the current community identification number, 
map panel number, suffix, FIRM zone, and, if 
applicable, the BFE. Do not use this map information 
for rating. 
Check YES if the building is owned by a state 
government; otherwise, check NO. 


Check YES if the building is located on Federal land; 
otherwise, check NO. 

NOTE: If the property is federally leased, refer to the 
Leased Federal Property section for guidance. 

J. Building 
Complete all required information in this section. 

•building Occupancy 
Check the type of occupancy for the building 
(i.e., SINGLE FAMILY, 2–4 FAMILY, OTHER 
RESIDENTIAL, or NON-RESIDENTIAL). 

º Single Family – This is a residential single-family 
building, or a single-family dwelling unit in a 
condominium building; incidental occupancies 
are permitted if limited to less than 50% of the 
building’s total floor area. 

NOTE: Incidental occupancies are offices, private 
schools, studios, or small service operations 
within a residential building. 

º 2–4 Family – This is a residential building that 
contains 2–4 units. This category includes 
apartment buildings and condominium buildings. 
Incidental occupancies (see note above) are 
permitted if the total area of such occupancies 
is limited to less than 25% of the total floor area 
within the building. This excludes hotels and motels 
with normal room rentals for less than 6 months. 

º Other Residential – This is a residential building 
that contains more than 4 apartments/units. This 
category includes condominium and apartment 
buildings as well as hotels, motels, tourist homes, 
and rooming houses where the normal occupancy 
of a guest is 6 months or more. These buildings are 
permitted incidental occupancies (see note above). 
The total area of incidental occupancy is limited 
to less than 25% of the total floor area within the 
building. Examples of other residential buildings 
include dormitories and assisted-living facilities. 

º Non-Residential (including hotel/motel) – This is a 
commercial or non-habitational building, or a mixed-
use building that does not qualify as a residential 
building. This category includes, but is not 
limited to, small businesses, churches, schools, 
farm buildings (including grain bins and silos), 
garages, poolhouses, clubhouses, recreational 
buildings, mercantile buildings, agricultural 
buildings, industrial buildings, warehouses, nursing 
homes, licensed bed-and-breakfasts, and hotels 
and motels with normal room rentals for less than 
6 months. 

•basement/enclosure/crawlspace/Subgrade 
crawlspace 
Check whether the building contains: 

º Basement – Any area of the building, including any 
sunken room or sunken portion of a room, having 
its floor below ground level (subgrade) on all sides. 

º Enclosure – That portion of an elevated building below 
the lowest elevated floor that is either partially or 
fully shut in by rigid walls. A garage below or attached 
to an elevated building is considered an enclosure. 

NOTE: A finished (habitable) area is an enclosed 
area that has more than 20 linear feet of 
finished interior walls (paneling, etc.). 

App3 OctOber 1, 2011 


An unfinished area is an enclosed area that 
is used only for the parking of vehicles, 
building access, or storage purposes and that 
does not meet the definition of a finished 
(habitable) area. 

º Crawlspace – In an elevated building, an under-
floor space that has its interior floor area (finished 
or not) no more than 5 feet below the top of the 
next-higher floor. 

º Subgrade Crawlspace – A crawlspace foundation 
where the subgrade under-floor area is no more 
than 5 feet below the top of the next-higher floor 
and no more than 2 feet below the lowest adjacent 
grade on all sides. (A building with a subgrade 
crawlspace is not an elevated building.) 

Select NONE if the enclosure or crawlspace is not the 
lowest floor for rating. In all zones with the exception 
of zones V, VE, and V1–V30, this means that the 
enclosure has proper openings, is unfinished, and is 
used only for building access, parking, or storage. 

Select NONE for a Post-FIRM V-Zone building 
constructed before October 1, 1981, if the enclosure 
is less than 300 square feet with breakaway walls 
and no machinery or equipment, is unfinished, and 
is used only for building access, parking, or storage. 

Select NONE if coverage is for an individual unit in a 
high-rise condominium building that is elevated with 
an enclosure. 

NOTE: If NONE is selected, use the without 
basement/enclosure/crawlspace/subgrade 
crawlspace rates. 

•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’s enclosure or crawlspace is eligible 
for exclusion from rating, do not count the 
enclosed area as a floor. See the explanation 
under “Basement/Enclosure/Crawlspace/Subgrade 
Crawlspace” for eligibility of exclusion from rating. 

º 1 Floor – excludes unfinished attic; 

º 2 Floors – includes basement, enclosure, 
crawlspace, and subgrade crawlspace; 

º 3 or More Floors – includes basement, enclosure, 
crawlspace, and subgrade crawlspace; 

º Split Level – A foundation with a vertical offset in 
the floor framing on either side of a common wall; 

º Townhouses/Rowhouses (RCBAP low-rise only) – A 
row of homes sharing at least 1 common wall; 

º Manufactured (Mobile) Home or Travel Trailer – 
Must be built on a permanent chassis and affixed 
to a permanent foundation, regardless of size. 
A serial number must be provided in Part 2 of 
the Application. 

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

•condominium Information 
º Form of Ownership 

Check YES if the building is under a condominium 
form of ownership; otherwise, check NO. (A 
homeowners association [HOA] may or may not be 
in a condominium form of ownership.) Refer to the 
Condominiums section for rating guidelines. 

º Condominium Coverage 

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

º Residential Condominium Building Association 
Policy (RCBAP) 

For an 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. 

– 
High-Rise Building – A condominium building 
having 5 or more units and at least 3 floors 
excluding enclosures. 
– 
Low-Rise Building – A condominium building 
having fewer than 5 units regardless of the 
number of floors, or 5 or more units with fewer 
than 3 floors including a basement. 
App4 OctOber 1, 2011 

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

•Insured’s Principal/Primary residence 
Check YES if the building is the applicant’s principal/ 
primary residence; otherwise, check NO. 

For rating purposes only, FEMA defines a non-
principal/non-primary residence as a building that will 
not be lived in by the insured or the insured’s spouse 
for at least 80% of the 365 days following the policy 
effective date. 

NOTE: If the building is a non-principal/non-primary 
residence located in an SFHA or Zone D, and Pre-
FIRM rates are used, use Table 2B in the Rating 
section of this manual. 

•building in the course of construction 
Check YES if the building is in the course of 
construction (if the building is not yet walled and 
roofed); otherwise, check NO. 

•building Walled and roofed 
Check YES if the building has at least 2 outside rigid 
walls and a fully secured roof; otherwise, check NO. 

•building Over Water 
Check NO if the building is not located over water. 
Check PARTIALLY if any part of the building is over 
water. Check ENTIRELY if the building is completely 
over water. In tidal areas, use the mean high tide 
in determining whether the building is partially or 
entirely over water. For Post-FIRM buildings located 
completely over water, use the Submit-for-Rate 
procedures in the Rating section of this manual. 

•elevated building 
Check YES if the building is an elevated building; 
otherwise, check NO. An elevated building is a 
building that has no basement and that has its 
lowest elevated floor raised above ground level by 
foundation walls, shear walls, posts, piers, pilings, 
or columns. 

If the building is elevated, indicate in the next box 
whether the area below the lowest elevated floor is 
free of obstruction or with obstruction. An obstruction 
is a partially or fully enclosed area, or machinery 
and equipment, below the lowest elevated floor of 
the building. 

•building Use 
Check the box that indicates the insured building’s 
use. If OTHER, describe the building use. 

•Manufactured (Mobile) Homes and Travel Trailers 
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. 

K. Contents 
Check the box that describes the location of the 
contents to be insured. Check YES if personal 
property is household contents; otherwise, check NO 
and describe. 

L. ConstructionData 
1. Construction Date 
Check 1 of the 5 boxes in the first part of this section. 
Enter the appropriate date in the Date box. 

•building Permit Date 
Select this box if construction began within 180 days 
of the building permit date and enter the building 
permit date. 

App5 JaNUary 1, 2013 


•Date of construction 
Select this box if construction began more than 180 
days after the building permit date and enter the 
date of the start of construction. 

•Substantial Improvement Date 
Select this box if the building has been substantially 
improved or damaged. If the building has been 
substantially improved, enter the date that 
substantial improvement started or the building 
permit date. If the building has been substantially 
damaged, enter the date that substantial 
damage occurred. 

Substantial improvement is any reconstruction, 
rehabilitation, addition, or other improvement of a 
building, the cost of which equals or exceeds 50% of 
the market value of the building before the start of 
construction of the improvement. 

Substantial damage is damage of any origin 
sustained by a building whereby the cost of restoring 
the building to its before-damaged condition would 
equal or exceed 50% of the market value of the 
building before the damage occurred. 

Do not select this box for substantial improvement 
to a Pre-FIRM building where the improvement is 
an addition next to and in contact with the existing 
building and the lowest floor elevation of the 
addition is at or above the BFE. Select the Building 
Permit Date box or the Date of Construction box as 
applicable and enter the appropriate date. 

Do not select this box if the building qualifies as a 
historic building; see the Definitions section in this 
manual for more information. 

•Manufactured (Mobile) Homes/travel trailers Located 
in a Mobile Home Park or Subdivision 
Select this box if the manufactured (mobile) home or 
travel trailer is located inside a mobile home park or 
subdivision, and enter the construction date of the 
mobile home park or subdivision facilities. 

•Manufactured (Mobile) Homes/travel trailers Located 
Outside a Mobile Home Park or Subdivision 
Select this box if the manufactured (mobile) 
home or travel trailer is located outside a mobile 
home park or subdivision, and enter the date of 
permanent placement. 

2. Post-FIRM Construction 
Check YES if the building was constructed or 
substantially improved after December 31, 1974, or on 
or after the effective date of the initial FIRM for the 
community, whichever is later; otherwise, check NO. 

3. Elevation Information 
Enter the elevation information from the Elevation 
Certificate (EC) for Post-FIRM construction in zones A, 
A1–A30, AE, AO, AH, V, V1–V30, or VE or for Pre-FIRM 
construction that is elevation rated. Attach the EC and 
dated photographs taken within 90 days of the date 
of application. 

NOTE: Post-FIRM buildings constructed in a non-
SFHA and remapped to an SFHA are eligible for 
grandfathering. The insured has the option of 
obtaining an EC or continuing with the non-SFHA 
rates without an EC. 

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. 

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. 

•building Diagram Number 
Enter the building diagram number from the EC. 

Applications for buildings rated using the Floodproofing 
Certificate do not require a diagram number. 

•Lowest adjacent Grade 
Enter the Lowest Adjacent Grade from the EC. 

The Lowest Adjacent Grade is not required for 
buildings located in AO Zones and buildings in 
Unnumbered A Zones and Unnumbered V Zones 
without a BFE. 

Applications for buildings rated using the 
Floodproofing Certificate do not require a Lowest 
Adjacent Grade. 

•elevation certification Date 
Enter the date the EC was signed. 

•Lowest Floor elevation 
Enter the Lowest Floor Elevation from the EC. To 
determine the lowest floor for rating, see the Lowest 
Floor Guide section in this manual. 

When entering elevation data, drop hundredths of a 
foot and show only tenths of a foot. For example, if 
the Lowest Floor Elevation is 10.49’, enter 10.4’; do 
not round up to 10.5’. 

•base Flood elevation 
Enter the Base Flood Elevation (BFE) from the EC. 

In A Zones where BFEs are not available, the 
BFE may be provided by Federal, state, or local 
government agencies, such as the United States 

App6 JaNUary 1, 2013 


Geological Survey, United States Army Corps of 
Engineers, Department of Transportation, or Division 
of Water Resources. When sources other than these 
are used, the local community official must agree in 
writing with the established BFE. 

Base Flood Elevations for V Zones on FIRMs dated 
before January 1, 1981, may require a wave height 
adjustment. See the FIRMs With Wave Heights 
subsection in the Rating section for details. 

•elevation Difference 
Enter the Elevation Difference. 

To determine the Elevation Difference, subtract 
the Base Flood Elevation from the Lowest Floor 
Elevation. For example, if the Lowest Floor Elevation 
is 10.5’ and the Base Flood Elevation is 9.0’, then 
the Elevation Difference is +1.5’ (10.5’ - 9.0’ = 1.5’), 
which is rounded to the nearest foot, which is +2’. 

•In Zones V1–V30 Only, Does base Flood elevation 
Include effects of Wave action? 
Check YES if the Base Flood Elevation includes the 
effects of wave action; otherwise, select NO. See the 
FIRMs With Wave Heights subsection in the Rating 
section of this manual for details. 

•Is building Floodproofed? 
Check YES if the building is floodproofed; otherwise, 
check NO. To receive credit for floodproofing, 
the completed Floodproofing Certificate must 
be submitted. 

NOTE:Buildings in V Zones on the current FIRM are 
not eligible for the floodproofing credit. 

The residential floodproofing rating credit may be 
grandfathered for those residential buildings with 
a valid Residential Basement Floodproofing Certificate 
that were constructed between the effective 
date of the community’s floodproofing eligibility 
and their rescission date, but not on or after the 
rescission date. (See the Special Certifications 
section in this manual for a list of communities 
approved for residential basement floodproofing.) 

M. CoverageandRating 
•Deductible and Deductible buyback 
Enter the deductible amount for building and/or 
contents. (See information on deductibles in the 
Rating and Condominiums sections in this manual.) 

Check YES to indicate if the applicant is “buying 
back” a deductible; otherwise, check NO. (Refer 
to the Rating section in this manual for information 
on the deductible buyback.) 

•coverage 
Enter the desired coverage limits. For information 
on coverage limits available, see the “Amount of 
Insurance Available” table in the Rating section. 

•rating 
Enter the rates. 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. For the CRS discounts, see the 
Community Rating System Eligible Communities list 
in the Community Rating System section. For rating 
examples, see the end of the Rating section. 

•rate type 
Check the applicable rate type: 

º Manual – Used to rate a policy using the rate tables 
provided in the NFIP Flood Insurance Manual. 

º Alternative – Used when a building is Pre-FIRM, 
the FIRM zone is unknown, and the community in 
which the building is located has no V Zones. 

º Provisional Rating – Used for placing flood coverage 
prior to the receipt of an EC. It is expected that an 
EC will be secured and standard rating completed 
within 60 days of the Policy Effective Date. 

º Mortgage Portfolio Protection Program (MPPP) – 
Used by lending institutions to maintain compliance 
with the Flood Disaster Protection Act of 1973, as 
amended. Policies written under the MPPP can be 
placed only through a WYO Company. 

º Submit for Rating – Used to rate a building for 
which no risk rate is published in the NFIP Flood 
Insurance Manual. 

º V-Zone Risk Factor Rating Form – Used when 
a rating credit is granted based on the design, 
placement, and/or construction information 
provided on the V-Zone Risk Factor Rating Form. 

º Leased Federal Property – Used when applying 
for coverage for buildings leased from the Federal 
Government that the Administrator determines 
are located on the river-facing side of any dike, 

App7 JaNUary 1, 2013 


levee, or other riverine flood-control structure, or 
seaward of any seawall or other coastal flood-
control structure. (For more information, refer to 
the Leased Federal Property section.) 

•Payment Option 
Check CREDIT CARD if paying by VISA, MasterCard, 
Discover, or American Express. Otherwise, check 
OTHER and describe the payment method. Payment 
must be for the Total Prepaid Amount, payable to the 
insurer, and accompany the Application. 

For credit card payments, a disclaimer form, signed 
by the insured, must be 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 
agent/producer, he or she may sign the authorization 
form on behalf of the payor only after having read the 
disclaimer to the payor. 

N. Signature 
The agent/producer must sign and date the Application 
and is responsible for the completeness and accuracy 
of the information provided on it. 

NOTE:The waiting period, if applicable, is added to this 
date to determine the policy effective date entered 
in the Policy Term section of the Application. 

Electronic transactions are permitted if the business 
process includes authentication of signatures and 
dates of receipt of premium. WYO Companies 
are responsible for determining the business 
practices and transaction authentication methods 
they will use to ensure the security and integrity of 
such transactions. 

III. COMpLETING pART 2 OF THE FLOOD 
INSURANCEAppLICATIONFORM 
After completing Part 1 of the Flood Insurance 
Application, the agent/producer must complete all 
relevant items in Part 2 for all buildings. 

A. SectionI–AllBuildingTypes 
1. 
Enter the Building Diagram number that best 
describes the building, as provided on the EC. If an 
EC is not provided, select and enter the appropriate 
Building Diagram number from the EC instructions 
located in the Special Certifications section. 
2.–4. Enter the requested information, if applicable. 
All measurements are rounded to the nearest foot 
using the ground (grade) immediately next to the 
building. 


5.Check the applicable boxes for items 5a and 5b. 
If OTHER is checked in item 5b, provide a brief 
description of the source. 
6.If the answer to 6a is YES, select the applicable 
answer to 6b; otherwise, disregard 6b. If the 
answer to 6b is YES, check the applicable items. 
App8 May 1, 2011 


7. 
If the answer to 7a is YES, complete 7b through 7f. 
If the answer to 7a is NO, disregard 7b through 7f. 
B. Section II –ElevatedBuildings 
This section is required for all elevated buildings, 
including manufactured (mobile) homes/travel trailers. 


8. 
Check the type of elevating foundation used for 
the building. 
NOTE: “Solid perimeter walls” means foundation 
walls as shown in Building Diagram numbers 
7 and 8. 


9. 
If the area below the elevated floor contains 
machinery or equipment, check YES and check the 
applicable items; otherwise, check NO. 
10. If the answer to 10a is YES, complete 10b through 
10f. If the answer to 10a is NO, disregard 10b 
through 10f. 
In 10b, enter the square footage of the total 
enclosed area below the elevated floor. 


If answer to 10c is YES, check the applicable box; 
otherwise, check NO. 

For Post-FIRM buildings in V Zones, elevated on 
solid foundation walls, submit the Application to 
the insurer for rating. 

NOTE: In V Zones, if the area below the elevated 
floor appears to be enclosed using masonry 
walls in the submitted photographs and these 
walls are represented as being breakaway 
walls on the Application, provide certification 
of breakaway walls signed by a local building 
official, an engineer, or an architect. 


Check YES in 10d if the area is constructed 
with a minimum of 2 openings (excluding doors); 
otherwise, check NO. 

The openings must be positioned on at least 2 
walls and have a total net area of not less than 1 
square inch for every square foot of enclosed area. 

If the enclosure is partially subgrade, a minimum 
of 2 openings must be provided, with positioning 
on a single wall adjacent to the lowest grade next 
to the building. 

The bottom of all openings must be no higher than 
1 foot above the higher of the exterior or interior 
adjacent grade or floor immediately below the 
openings. Enter the number of openings and the 
total area of all openings in square inches. 

App9 May 1, 2011 


Check YES in 10e if the enclosed area/crawlspace 
is used for any purpose other than solely for 
parking of vehicles, building access, or storage, 
and provide a description; otherwise, check NO. 


Check YES in 10f if the enclosed area/garage has 
more than 20 linear feet of interior finished wall, 
paneling, etc.; otherwise, check NO. 

C. Section III – Manufactured (Mobile) Homes/ 
TravelTrailers 
11. Enter the make, year of manufacture, model 
number, and serial number. 
12. Enter the dimensions, excluding any permanent 
addition or extension to the manufactured (mobile) 
home or travel trailer. 
13. Check YES if permanent additions or extensions 
are present; otherwise, check NO. If YES, enter 
dimensions. 
14. Check the box describing the anchoring system. If 
OTHER is checked, describe the anchoring system. 
15. Check the box describing how the manufactured 
(mobile) home was installed. 
16. Check YES if the manufactured (mobile) home is 
located in a manufactured (mobile) home park or 
subdivision; otherwise, check NO. 
IV. SCHEDULEDBUILDINGpOLICY 
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. 

Complete a separate Application for each building 
and/or contents for which coverage is requested. Write 
“Building #1”, “Building #2”, etc., in the upper right 
corner of each Application. Staple the applications 
together as a single unit. 

All Flood Insurance Application forms must be 
completed in accordance with all NFIP Flood Insurance 
Manual rules and the Scheduled Building Policy 
qualifications above. 

For each scheduled building (building and/or contents 
coverage), the Federal Policy Fee is $40 per building. 

V. MAILINGINSTRUCTIONS 
Upon completion of all sections of the Application, 
attach all required certifications and other documents 
to the Application, along with a check, draft, or 
money order made payable to the insurer for the Total 
Prepaid Amount. 

If paying by VISA, MasterCard, Discover, or American 
Express, submit a disclaimer form, signed by the 
insured, 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 agent/producer, he or she may sign 
the authorization form on behalf of the payor only after 
having read the disclaimer to the payor. 

Mail the original copy of the completed Application 
packet as described above with the Total Prepaid 
Amount to the insurer. Retain a copy of the Application 
and supporting documents for the agency file and 
distribute copies of the Application to the applicant and 
the mortgagee. A copy of the Application and a copy 
of the premium payment are sufficient to satisfy the 
mortgagee’s proof-of-purchase requirements. 

After receipt of the Application and Total Prepaid Amount, 
the insurer will process the Application and issue the 

App10 May 1, 2011 


policy. The policy contract and declarations page will be 
mailed to the insured. Copies of the declarations page 
will be mailed to the agent/producer and mortgagee(s). 

VI. HANDLING OF INCOMpLETE OR INCORRECT 
AppLICATIONS 
If an Application is not complete, or if the information 
presented on it is not correct, a policy will not be 
issued. The Application may be placed in a pending 
file until the agent/producer provides the complete or 
correct information. 

For NFIP Direct business, if necessary information is not 
provided, a policy may be issued using Tentative Rates. 
If sufficient information is not available to tentatively 
rate the policy, the Application may be rejected and 
the premium refunded. In the case of an incomplete 
Application, the NFIP Servicing Agent will send the 
agent/producer a letter requesting the necessary 
information. Copies of this letter will be provided to 

the named insured and mortgagee(s). The agent/ 
producer should provide the necessary information to 
the NFIP Servicing Agent. If the necessary information 
is not provided, the Application will be rejected and the 
premium refunded. 

If the premium received is not enough to buy the kind 
and amount of coverage requested, the policy will be 
issued for only the kind and amount of coverage that 
can be purchased for the premium payment received. 
Therefore, it is important that underpayment errors be 
corrected immediately. 

In the case of an underpayment, when both building 
coverage and contents coverage have been requested, 
the coverage reductionwill beproratedbetween building 
and contents in accordance with NFIP rules. The ratio 
of building to contents coverage for the full requested 
coverage will be used to determine the portion of the 
submitted premium available to purchase building and 
contents coverage. 

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