LOWEST FLOOR GUIDE This section is to be used as a guide for identifying the lowest floor for rating buildings being considered for coverage under the National Flood Insurance Program (NFIP). I. LOWEST FLOOR DETERMINATION The following guidance, along with the comments accompanying each building drawing provided in this section, will help insurance agents/producers determine the lowest floor so that the appropriate rate can be applied. A. Non-Elevated Buildings In a non-elevated building, the lowest floor used for rating is the building’s lowest floor including a basement, if any. If a building described and rated as a single-family dwelling located in an A Zone (any flood zone beginning with the letter A) has an attached garage floor elevation at or above the Base Flood Elevation (BFE), the garage floor may be excluded for rating. An attached garage floor elevation below the BFE can be excluded as the lowest floor for rating if the garage has no machinery or equipment below the BFE. If the garage has machinery or equipment below the BFE, the floor of the attached garage can be excluded from rating if all of the following conditions exist: •The building is described and rated as a single- family dwelling; •The building is located in an A Zone; •The garage floor elevation is below the elevation of the top of the bottom floor; and •The garage has proper openings (flood vents). If a building not described and rated as a single-family dwelling located in an A Zone has an attached garage, and the floor level of the garage is below the level of the building, use the garage floor as the lowest floor for rating. B. Elevated Buildings in A Zones In an elevated building located in an A Zone (any flood zone beginning with the letter A), the lowest floor used for rating is the lowest elevated floor, with the exceptions described below. If a building located in an A Zone has an enclosure below the elevated floor, including an attached garage, the enclosure or garage floor becomes the lowest floor for rating if any of the following conditions exists: •The enclosed space is finished (having more than 20 linear feet of interior finished wall [paneling, etc.]); or •The unfinished enclosed space is used for other than building access (stairwells, elevators, etc.), parking, or storage; or •There is elevator equipment below the BFE; or •The unfinished enclosed space has no proper openings. NOTE: A garage attached to an elevated building is considered an enclosure. 1. Proper Opening requirements An elevated building with an enclosure or crawlspace below the elevated floor with proper flood openings (flood vents) in the enclosure or crawlspace can be rated using the elevated floor as the lowest floor. (For elevated buildings with proper flood openings in an unfinished enclosure or crawlspace, the Application should indicate “None” for enclosure.) This rule applies to buildings in zones A, A1–A30, AE, AO, AH, AR, and AR Dual. All enclosures (including an elevator shaft, a garage, or a crawlspace) below the lowest elevated floor must be designed to automatically equalize hydrostatic flood forces on exterior walls by allowing for the entry and exit of floodwaters. One of the following criteria must be met to satisfy this proper openings requirement: a. A minimum of 2 openings must be provided, with positioning on at least 2 walls, having a total net area of not less than 1 square inch for every square foot of enclosed area. The bottom of all openings must be no higher than 1 foot above the higher of the exterior or interior grade (adjacent) or floor immediately below the openings. b. If the enclosure floor 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, having a total net area of not less than 1 square inch for every square foot of enclosed area. The bottom of all openings must be no higher than 1 foot above the higher of the exterior or interior grade (adjacent) or floor immediately below the openings. 2. Alternative to the Openings requirement Above For architectural or other reasons, a designer or builder may use an alternative to satisfy the requirement for a building to have openings that provide 1 square inch per square foot of enclosed LFG1 OctOber 1, 2012 area below the BFE. These alternatives, which may be referred to as “engineered openings,” must be certified as having been designed to provide automatic equalization of hydrostatic flood forces by allowing for the entry and exit of floodwaters. Design requirements and specifications for certification statements are outlined in FEMA Technical Bulletin 1-08, “Openings in Foundation Walls and Walls of Enclosures Below Elevated Buildings in Special Flood Hazard Areas,” at http:// www.fema.gov/library/viewRecord.do?id=1579. If engineered openings are used as an alternative, the Write Your Own (WYO) Company or NFIP Servicing Agent must obtain a copy of the following documentation for its underwriting files: a. For engineered openings designed for installation in a specific building, a copy of the certification is required. This certification will verify to community officials that the openings are designed in accordance with the requirements of the NFIP, applicable building codes, and accepted standards of practice. The original certification statement must include the design professional’s name, title, address, type of license, license number, the state in which the license was issued, and the signature and applied seal of the certifying registered design professional. In addition, this certification shall identify the building in which the engineered openings will be installed and it shall address the following: (1) a statement certifying that the openings are designed to automatically equalize hydrostatic flood loads on exterior walls by allowing for the automatic entry and exit of floodwaters; (2) description of the range of flood characteristics tested or computed for which the certification is valid, such as rates of rise and fall of floodwaters; and (3) description of the installation requirements or limitations that, if not followed, will void the certification; or b. For engineered openings for which the International Code Council Evaluation Service, Inc., has issued an Evaluation Report, a copy of the Evaluation Report is required. This report is required to assure community officials that the openings are designed in accordance with the requirements of the NFIP, applicable building codes, and accepted standards of practice. The Evaluation Report identifies the model numbers of the engineered openings addressed in the report, specifies the number of engineered openings that are required for a specified square footage of enclosed area below the BFE, and lists installation requirements. Acceptable documentation must include the model numbers of the engineered openings, which must match the model numbers provided in the International Code Council Evaluation Report. 3. crawlspaces If a building elevated on a crawlspace is located in an A Zone and has an attached garage, use the following guidelines to determine the lowest floor for rating: •Use the top of the crawlspace (under-floor space) floor or the garage floor, whichever is lower, if neither the crawlspace nor the garage has proper openings; or •Use the top of the crawlspace floor, if the only area that has proper openings is the garage; or •Use the top of the garage floor, if the only area that has proper openings is the crawlspace; or •Use the top of the finished floor (habitable floor), if both the crawlspace and the garage have proper openings. Pre-FIRM buildings with subgrade crawlspaces that are below the BFE may use optional Post- FIRM elevation rating. Follow the Submit-for- Rate procedures. C. ElevatedBuildingsinVZones In zones V, VE, and V1–V30, the floor of an enclosed area below the lowest elevated floor is the building’s lowest floor if any of the following conditions exists: •The enclosed space is finished (having more than 20 linear feet of interior finished wall [paneling, etc.]); or •The unfinished enclosed space is used for other than building access (stairwells, elevators, etc.), parking, or storage; or •The enclosed space is of any size, and there is machinery or equipment below the BFE located inside or outside the enclosed space. (Machinery or equipment is defined as building items permanently affixed to the building and that provide utility services for the building – i.e., furnaces, water heaters, heat pumps, air conditioners, and elevators and their associated equipment. Washers, dryers, and food freezers are contents items and are not considered machinery or equipment.); or •There is elevator equipment below the BFE; or •The enclosed space is constructed with non- breakaway walls. (A non-breakaway wall is defined as a wall that is attached to the structural support of the building and is not designed or constructed to collapse under specific lateral loading forces. This type of LFG2 OctOber 1, 2012 construction endangers the foundation system of the building.); or •The enclosed space is 300 square feet or more and has breakaway walls; or •The enclosed space has load-bearing (supporting) walls. If the enclosed space (enclosure) is at or above the BFE, use the “Free of Obstruction” rate table in the Rating or Condominiums section as appropriate. Also use these rates if an enclosure has solid load-bearing walls that provide less than 25% of the building’s structural support. The elevation of the bottom enclosure floor is the lowest floor for rating (LFE). Also see “E. Post-’81 V Zone Optional Rating” in the Rating section. D. HangingFloors(AZonesandVZones) A hanging floor is a walled-in floor area beneath an elevated building which does not extend to the ground. In A Zones, the top of the hanging floor is considered the lowest floor for rating. In V Zones, the bottom of the hanging floor’s lowest horizontal structure member is considered the lowest floor for rating. A building that includes a hanging floor must be described as an elevated building with no enclosures. II. USEOFELEVATIONCERTIFICATE The Elevation Certificate (EC) is used to properly rate buildings located in Special Flood Hazard Areas (SFHAs). Use the criteria below in determining whether use of the EC is mandatory or optional. (See the Special Certifications section for more information on using the EC.) A. MandatoryUseofElevationCertificate An EC is required for a Post-FIRM building located in zones AE, A1–A30, VE, or V1–V30, or a Pre-FIRM building opting for Post-FIRM rates (see “B.” below). An EC is also required for a Post-FIRM building located in Unnumbered A Zones (With or Without BFE) and Zones AH and AO. In Zone AO, a Letter of Compliance is acceptable in lieu of an EC. If the building is Post-FIRM construction located in an unnumbered A Zone, check with the community official to determine whether there is a BFE. If available, an EC that certifies the lowest floor elevation must be submitted. B. OptionalRatingUsingtheElevationCertificate Buildings located in AR and AR Dual Zones, or constructed prior to publication of the initial Flood Insurance Rate Map (Pre-FIRM), can, at the option of the insured, be elevation-rated using Post-FIRM rates. The insured may select the more advantageous rate. C. Guidelines for Determining the Conversion from NGVD1929toNAVD1988 NAVD 1988 is replacing NGVD 1929 as the national standard reference datum for elevations. To determine the conversion from NGVD to NAVD, contact the community official. The surveyor may have applied the conversion factor to the elevations entered on the EC. Unless the surveyor’s comments specifically state that the conversion was not performed, assume that line items C2.a–h have already been converted to the same elevation datum as the BFE reported in box B9. Following this guidance will ensure consistent application at the policy processing level. If the surveyor has not applied the conversion factor, the National Geodetic Survey (NGS) has developed a tool that will help you convert the LFE and BFE measurements to like form. This tool is available through the NGS website at https://www.ngs.noaa. gov/cgi-bin/VERTCON/vert_con.prl. Enter the north latitude and west longitude of the structure. Enter “ft” in the orthometric height field. The conversion factor will then be provided for calculations. For example, to convert a property with a latitude of 35° 15' and longitude of 121° 22' 30" from NGVD 29 to NAVD 88, enter the latitude and longitude in the degrees, minutes, seconds format (just replace the °, ', " symbols with a space). Enter the elevation to be converted in NGVD 29 (e.g., top of bottom floor, top of next-higher floor, bottom of lowest horizontal structural member, or lowest adjacent grade next to the building). If the elevation is measured in feet (most places other than Puerto Rico), be sure to include “ft” after the elevation so that the results will be in feet. As an example, enter a building elevation of 54.2 ft. Select Vertical Datum NGVD 29 and click on Submit. The result produced by VERTCON for this latitude and longitude will display a conversion factor of 2.726 feet and a building elevation of 56.926 feet NAVD 88. Shown in tenths of a foot, the building elevation is 56.9 feet NAVD 88. To convert a property from NAVD 88 to NGVD 29, enter data as above. Be sure to select Vertical Datum NAVD 88, then click on Submit. The result produced by VERTCON shows a conversion factor of 2.726 feet. Use the building elevation of 54.2 ft. The building elevation in NGVD 29 is 51.474 feet. Shown in tenths of a foot, the building elevation is 51.4 feet NGVD 29. LFG3 JANUArY 1, 2013 LFG4 MAY 1, 2011 LFG5 OctOber 1, 2012 LFG6 MAY 1, 2012 LFG7 MAY 1, 2011 LFG8 MAY 1, 2012 III. SPECIFICBUILDINGDRAWINGS TABLEOFCONTENTS SectION PAGe Elevated Buildings for Pre-and Post-FIRM Risks in Flood ZonesB,C,X,A99,andD.. ...... ...... ...... ...... ...... ...... ......LFG10– LFG 13 Non-Elevated Buildings for Pre-and Post-FIRM Risks in Flood ZonesB,C,X,A99,andD.. ...... ...... ...... ...... ...... ...... ...... LFG14–LFG17 Elevated Buildings for Pre-and Post-FIRM Risks inFloodZonesA,AO,andAH ...............................................LFG18–LFG24 Non-Elevated Buildings for Pre-and Post-FIRM Risks inFloodZonesA,AO,andAH ...............................................LFG25–LFG29 Non-Elevated Buildings for Pre-and Post-FIRM Risks inFloodZonesAEandA1–A30 ..............................................LFG30–LFG37 Elevated Buildings for Pre-and Post-FIRM Risks inFloodZonesAEandA1–A30 ..............................................LFG38–LFG52 Non-Elevated Buildings for Pre-and Post-FIRM Risks with Construction Dates of 1975 to September 30, 1981, inFloodZonesVEandV1–V30 ..............................................LFG53–LFG58 Elevated Buildings for Pre-and Post-FIRM Risks with Construction Dates of 1975 to September 30, 1981, inFloodZonesVEandV1–V30 ..............................................LFG59–LFG71 Elevated Buildings for Post-FIRM Risks in Flood Zones VE and V1–V30, ConstructionDateOctober 1,1981,andAfter.. ...... ...... ...... ...... ...... ....LFG72–LFG83 Non-Elevated Buildings for Post-FIRM Risks in Flood Zones VE and V1–V30, ConstructionDateOctober 1,1981,andAfter.. ...... ...... ...... ...... ...... ...... ..... LFG84 LFG9 OctOber 1, 2011 ELEVATEDBUILDINGS PRE-ANDPOST-FIRMRISKSINFLOODZONESB,C,X,A99,ANDD BuildingDescription 1 floor with unfinished enclosed area ElevatingFoundation ofBuilding Piers, posts, piles, or columns Type ofEnclosure Unfinished enclosure With proper openings3 Machineryor Equipment ServicingBuilding With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating No Elevation Certificate required Application ShouldShow Building type — 1 floor Is building elevated? — Yes Is area below the elevated floor enclosed? — No Pre-FIRMRating Use Pre-FIRM rate table No Basement/Enclosure category. Post-FIRMRating Use Post-FIRM rate table No Basement/Enclosure category. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG10 OctOber 1, 2011 ELEVATEDBUILDINGS PRE-ANDPOST-FIRMRISKSINFLOODZONESB,C,X,A99,ANDD BuildingDescription 2 floors with unfinished enclosed area ElevatingFoundation ofBuilding Piers, posts, piles, or columns Type ofEnclosure Unfinished enclosure With proper openings3 Machineryor Equipment ServicingBuilding With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating No Elevation Certificate required Application ShouldShow Building type — 2 floors Is building elevated? — Yes Is area below the elevated floor enclosed? — No Pre-FIRMRating Use Pre-FIRM rate table No Basement/Enclosure category. Post-FIRMRating Use Post-FIRM rate table No Basement/Enclosure category. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG11 OctOber 1, 2011 ELEVATEDBUILDINGS PRE-ANDPOST-FIRMRISKSINFLOODZONESB,C,X,A99,ANDD BuildingDescription 2 floors with unfinished enclosed area ElevatingFoundation ofBuilding Solid foundation walls Type ofEnclosure Unfinished enclosure (garage) and crawlspace No proper openings3 Machineryor Equipment ServicingBuilding With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating No Elevation Certificate required Application ShouldShow Building type — 3 or more floors Is building elevated? — Yes Is area below the elevated floor enclosed? — Yes Pre-FIRMRating Use Pre-FIRM rate table With Enclosure category. Post-FIRMRating Use Post-FIRM rate table With Enclosure category. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG12 OctOber 1, 2011 ELEVATEDBUILDINGS PRE-ANDPOST-FIRMRISKSINFLOODZONESB,C,X,A99,ANDD BuildingDescription 1 floor with finished or unfinished enclosed area ElevatingFoundation ofBuilding Piers, posts, piles, or columns Type ofEnclosure Non-load-bearing walls No proper openings3 Machineryor Equipment ServicingBuilding With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating No Elevation Certificate required Application ShouldShow Building type — 2 floors Is building elevated? — Yes Is area below the elevated floor enclosed? — Yes Pre-FIRMRating Use Pre-FIRM rate table With Enclosure category. Post-FIRMRating Use Post-FIRM rate table With Enclosure category. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG13 OctOber 1, 2011 NON-ELEVATEDBUILDINGS PRE-ANDPOST-FIRMRISKSINFLOODZONESB,C,X,A99,ANDD BuildingDescription 1 floor on slab Machineryor Equipment ServicingBuilding N/A Lowest Floor for Rating No Elevation Certificate required Application ShouldShow Building type — 1 floor Basement — None Is building elevated? — No Pre-FIRMRating Use Pre-FIRM rate table No Basement/Enclosure category. Post-FIRMRating Use Post-FIRM rate table No Basement/Enclosure category. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG14 OctOber 1, 2011 NON-ELEVATEDBUILDINGS PRE-ANDPOST-FIRMRISKSINFLOODZONESB,C,X,A99,ANDD BuildingDescription 3 or more floors on slab Machineryor Equipment ServicingBuilding N/A Lowest Floor for Rating No Elevation Certificate required Application ShouldShow Building type — 3 or more floors Basement — None Is building elevated? — No Pre-FIRMRating Use Pre-FIRM rate table No Basement/Enclosure category. Post-FIRMRating Use Post-FIRM rate table No Basement/Enclosure category. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG15 OctOber 1, 2011 NON-ELEVATEDBUILDINGS PRE-ANDPOST-FIRMRISKSINFLOODZONESB,C,X,A99,ANDD BuildingDescription 2 floors on raised-slab-on-grade or slab-on-stem-wall-with-fill Machineryor Equipment ServicingBuilding N/A Lowest Floor for Rating No Elevation Certificate required Application ShouldShow Building type — 2 floors Basement — None Is building elevated? — No Pre-FIRMRating Use Pre-FIRM rate table No Basement/Enclosure category. Post-FIRMRating Use Post-FIRM rate table No Basement/Enclosure category. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG16 OctOber 1, 2011 NON-ELEVATEDBUILDINGS PRE-ANDPOST-FIRMRISKSINFLOODZONESB,C,X,A99,ANDD BuildingDescription 1 floor with finished or unfinished basement Machineryor Equipment ServicingBuilding With or without machinery or equipment in basement Lowest Floor for Rating No Elevation Certificate required Application ShouldShow Building type — 2 floors Basement — Finished or unfinished Is building elevated? — No Pre-FIRMRating Use Pre-FIRM rate table With Basement category. Post-FIRMRating Use Post-FIRM rate table With Basement category. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG17 OctOber 1, 2011 ELEVATEDBUILDINGS PRE-ANDPOST-FIRMRISKSINFLOODZONESA,AO,ANDAH Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate. BuildingDescription 1 floor without enclosed area (see Elevation Certificate, Diagram 5) ElevatingFoundation ofBuilding Piers, posts, piles, or columns Type ofEnclosure No enclosure Machineryor Equipment ServicingBuilding None Lowest Floor for Rating Top of lowest elevated floor Application Should Show Building type — 1 floor Is building elevated? — Yes Is area below the elevated floor enclosed? — No Pre-FIRMRating5 AOZone:Use Pre-FIRM rate table No Basement/Enclosure category. AHZone: Use Pre-FIRM rate table No Basement/Enclosure category. AZone withBFE2: Use Pre-FIRM rate table No Basement/Enclosure category. AZone without BFE2: Use Pre-FIRM rate table No Basement/Enclosure category. Post-FIRMRating AOZone:If difference between LF1 and HAG4 is equal to or greater than Base Flood Depth, use With Certification of Compliance or Elevation Certificate rate. If not, use Without Certification of Compliance or Elevation Certificate rate. AHZone:If LF1 elevation is greater than or equal to the BFE2, use With Certification of Compliance or Elevation Certificate rate. If not, use Without Certification of Compliance or Elevation Certificate rate. AZone withBFE2: Use Post-FIRM rate table With Base Flood Elevation category. If LF1 elevation is 2 or more feet below the BFE2, submit the Application to the insurer for a rate. AZone without BFE2: If difference between the LF1 and HAG4 is 1 foot or more, use Post- FIRM rate table No Base Flood Elevation category. If difference is 0 feet or less, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG18 MAY 1, 2012 ELEVATEDBUILDINGS PRE-ANDPOST-FIRMRISKSINFLOODZONESA,AO,ANDAH Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate. BuildingDescription 2 floors, including hanging floor (see Elevation Certificate, Diagram 5) ElevatingFoundation ofBuilding Piers, posts, piles, or columns Type ofEnclosure No enclosure Machineryor Equipment ServicingBuilding With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating Top of lowest elevated floor Application Should Show Building type — 2 floors Is building elevated? — Yes Is area below the elevated floor enclosed? — No Pre-FIRMRating5 AOZone:Use Pre-FIRM rate table No Basement/Enclosure category. AHZone: Use Pre-FIRM rate table No Basement/Enclosure category. AZone withBFE2: Use Pre-FIRM rate table No Basement/Enclosure category. AZone without BFE2: Use Pre-FIRM rate table No Basement/Enclosure category. Post-FIRMRating AOZone:If difference between LF1 and HAG4 is equal to or greater than Base Flood Depth, use With Certification of Compliance or Elevation Certificate rate. If not, use Without Certification of Compliance or Elevation Certificate rate. AHZone:If LF1 elevation is greater than or equal to the BFE2, use With Certification of Compliance or Elevation Certificate rate. If not, use Without Certification of Compliance or Elevation Certificate rate. AZone withBFE2: Use Post-FIRM rate table With Base Flood Elevation category. If LF1 elevation is 2 or more feet below the BFE2, submit the Application to the insurer for a rate. AZone without BFE2: If difference between the LF1 and HAG4 is 1 foot or more, use Post- FIRM rate table No Base Flood Elevation category. If difference is 0 feet or less, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG19 MAY 1, 2012 ELEVATEDBUILDINGS PRE-ANDPOST-FIRMRISKSINFLOODZONESA,AO,ANDAH Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate. BuildingDescription 1 floor with unfinished enclosed area (see Elevation Certificate, Diagram 6) ElevatingFoundation ofBuilding Piers, posts, piles, or columns Type ofEnclosure Unfinished enclosure With proper openings3 Machineryor Equipment ServicingBuilding With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating Top of next-higher floor (elevated floor) Application Should Show Building type — 1 floor Is building elevated? — Yes Is area below the elevated floor enclosed? — No Pre-FIRMRating5 AOZone:Use Pre-FIRM rate table No Basement/Enclosure category. AHZone:Use Pre-FIRM rate table No Basement/Enclosure category. AZone withBFE2: Use Pre-FIRM rate table No Basement/Enclosure category. AZone without BFE2: Use Pre-FIRM rate table No Basement/Enclosure category. Post-FIRMRating AOZone:If difference between LF1 and HAG4 is equal to or greater than Base Flood Depth, use With Certification of Compliance or Elevation Certificate rate. If not, use Without Certification of Compliance or Elevation Certificate rate. AHZone:If LF1 elevation is greater than or equal to the BFE2, use With Certification of Compliance or Elevation Certificate rate. If not, use Without Certification of Compliance or Elevation Certificate rate. AZone withBFE2: Use Post-FIRM rate table With Base Flood Elevation category. If LF1 elevation is 2 or more feet below the BFE2, submit the Application to the insurer for a rate. AZone without BFE2: If difference between the LF1 and HAG4 is 1 foot or more, use Post-FIRM rate table No Base Flood Elevation category. If the difference is 0 feet or less, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG20 OctOber 1, 2011 ELEVATEDBUILDINGS PRE-ANDPOST-FIRMRISKSINFLOODZONESA,AO,ANDAH Letter LetterLetters and number s and numbers and numbers in parentheses, s in parentheses,s in parentheses, as “(A8.c)” or as “(A8.c)” oras “(A8.c)” or “(C2.a), “(C2.a),“(C2.a),” cor ” cor” correspond to Section A or Section C of the respond to Section A or Section C of therespond to Section A or Section C of the Ele EleElevation Cer vation Cervation Certificate. tificate.tificate. BuildingDescription 2 floors with unfinished enclosed area (see Elevation Certificate, Diagram 6) ElevatingFoundation ofBuilding Piers, posts, piles, or columns Type ofEnclosure Unfinished enclosure With proper openings3 Machineryor Equipment ServicingBuilding With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating Lowest elevated floor Application Should Show Building type — 2 floors Is building elevated? — Yes Is area below the elevated floor enclosed? — No Pre-FIRMRating5 AOZone:Use Pre-FIRM rate table No Basement/Enclosure category. AHZone:Use Pre-FIRM rate table No Basement/Enclosure category. AZone withBFE2: Use Pre-FIRM rate table No Basement/Enclosure category. AZone without BFE2: Use Post-FIRM rate table No Basement/Enclosure category. Post-FIRMRating AOZone:If difference between LF1 and HAG4 is equal to or greater than Base Flood Depth, use With Certification of Compliance or Elevation Certificate rate. If not, use Without Certification of Compliance or Elevation Certificate rate. AHZone:If LF1 elevation is greater than or equal to the BFE2, use With Certification of Compliance or Elevation Certificate rate. If not, use Without Certification of Compliance or Elevation Certificate rate. AZone withBFE2: Use Post-FIRM rate table With Base Flood Elevation category. If LF1 elevation is 2 or more feet below the BFE2, submit the Application to the insurer for a rate. AZone without BFE2: If difference between the LF1 and HAG4 is 1 foot or more, use Post-FIRM rate table No Base Flood Elevation category. If the difference is 0 feet or less, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG21 OctOber 1, 2011 ELEVATEDBUILDINGS PRE-ANDPOST-FIRMRISKSINFLOODZONESA,AO,ANDAH Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate. BuildingDescription 2 floors with unfinished enclosed area (see Elevation Certificate, Diagram 8) ElevatingFoundation ofBuilding Solid foundation walls Type ofEnclosure Unfinished enclosure (garage) and crawlspace No openings Machineryor Equipment ServicingBuilding With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating Top of bottom floor (lower of crawlspace or garage) Application Should Show Building type — 3 or more floors Is building elevated? — Yes Is area below the elevated floor enclosed? — Yes Pre-FIRMRating AOZone:Use Pre-FIRM rate table With Enclosure category. AHZone:Use Pre-FIRM rate table With Enclosure category. AZone:Use Pre-FIRM rate table With Enclosure category. Post-FIRMRating Submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG22 MAY 1, 2012 ELEVATEDBUILDINGS PRE-ANDPOST-FIRMRISKSINFLOODZONESA,AO,ANDAH Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate. BuildingDescription 1 floor with finished or unfinished enclosed area (see Elevation Certificate, Diagram 6) ElevatingFoundation ofBuilding Piers, posts, piles, or columns Type ofEnclosure Unfinished enclosure Non-load-bearing walls No openings Machineryor Equipment ServicingBuilding With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating Top of bottom floor (including basement or enclosure) Application Should Show Building type — 2 floors Is building elevated? — Yes Is area below the elevated floor enclosed? — Yes Pre-FIRMRating AOZone:Use Pre-FIRM rate table With Enclosure category. AHZone:Use Pre FIRM rate table With Enclosure category. AZone:Use Pre-FIRM rate table With Enclosure category. Post-FIRMRating Submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG23 OctOber 1, 2011 ELEVATEDBUILDINGS PRE-ANDPOST-FIRMRISKSINFLOODZONESA,AO,ANDAH Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate. BuildingDescription Mobile home without enclosed area (see Elevation Certificate, Diagram 5) ElevatingFoundation ofBuilding Piers, posts, piles, or columns Type ofEnclosure Vinyl or aluminum skirting Machineryor Equipment ServicingBuilding With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating Top of lowest elevated floor Application Should Show Building type — Mobile home Is building elevated? — Yes Is area below the elevated floor enclosed? — No Pre-FIRMRating5 AOZone:Use Pre-FIRM rate table Manufactured (Mobile) Home category. AHZone:Use Pre-FIRM rate table Manufactured (Mobile) Home category. AZone withBFE2: Use Pre-FIRM rate table No Basement/Enclosure category. AZone without BFE2: Use Pre-FIRM rate table No Basement/Enclosure category. Post-FIRMRating AOZone:If difference between LF1 and HAG4 is equal to or greater than Base Flood Depth, use With Certification of Compliance or Elevation Certificate rate. If not, use Without Certification of Compliance or Elevation Certificate rate. AHZone:If LF1 elevation is greater than or equal to the BFE2, use With Certification of Compliance or Elevation Certificate rate. If not, use Without Certification of Compliance or Elevation Certificate rate. AZone withBFE2: Use Post-FIRM rate table With Base Flood Elevation category. If LF1 elevation is 2 or more feet below the BFE2, submit the Application to the insurer for a rate. AZone without BFE2: If difference between the LF1 and HAG4 is 1 foot or more, use Post- FIRM rate table No Base Flood Elevation category. If difference is 0 feet or less, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG24 OctOber 1, 2011 NON-ELEVATEDBUILDINGS PRE-ANDPOST-FIRMRISKSINFLOODZONESA,AO,ANDAH Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate. BuildingDescription 1 floor with finished or unfinished basement (see Elevation Certificate, Diagram 2) Machineryor Equipment ServicingBuilding With or without machinery or equipment in the basement Lowest Floor for Rating Top of bottom floor (including basement) Application Should Show Building type — 2 floors Basement — Finished or unfinished Is building elevated? — No Pre-FIRMRating AOZone:Use Pre-FIRM rate table With Basement category. AHZone:Use Pre-FIRM rate table With Basement category. AZone:Use Pre-FIRM rate table With Basement category. Post-FIRMRating Submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG25 OctOber 1, 2011 NON-ELEVATEDBUILDINGS PRE-ANDPOST-FIRMRISKSINFLOODZONESA,AO,ANDAH Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate. BuildingDescription 1 floor on slab (see Elevation Certificate, Diagram 1A) Machineryor Equipment ServicingBuilding N/A Lowest Floor for Rating Top of bottom floor Application Should Show Building type — 1 floor Basement — None Is building elevated? — No Pre-FIRMRating5 AOZone:Use Pre-FIRM rate table No Basement/Enclosure category. AHZone:Use Pre-FIRM rate table No Basement/Enclosure category. AZone withBFE2: Use Pre-FIRM rate table No Basement/Enclosure category. AZone without BFE2: Use Pre-FIRM rate table No Basement/Enclosure category. Post-FIRMRating AOZone:If difference between LF1 and HAG4 is equal to or greater than Base Flood Depth, use With Certification of Compliance or Elevation Certificate rate. If not, use Without Certification of Compliance or Elevation Certificate rate. AHZone:If LF1 elevation is greater than or equal to the BFE2, use With Certification of Compliance or Elevation Certificate rate. If not, use Without Certification of Compliance or Elevation Certificate rate. AZone withBFE2: Use Post-FIRM rate table With Base Flood Elevation category. If LF1 elevation is 2 or more feet below the BFE2, submit the Application to the insurer for a rate. AZone without BFE2: If difference between the LF1 and HAG4 is 1 foot or more, use Post- FIRM rate table No Base Flood Elevation category. If difference is 0 feet or less, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG26 OctOber 1, 2011 NON-ELEVATEDBUILDINGS PRE-ANDPOST-FIRMRISKSINFLOODZONESA,AO,ANDAH Letter LetterLetters and number s and numbers and numbers in parentheses, s in parentheses,s in parentheses, as “(A8.c)” or as “(A8.c)” oras “(A8.c)” or “(C2.a), “(C2.a),“(C2.a),” cor ” cor” correspond to Section A or Section C of the respond to Section A or Section C of therespond to Section A or Section C of the Ele EleElevation Cer vation Cervation Certificate. tificate.tificate. BuildingDescription 3 or more floors on slab (see Elevation Certificate, Diagram 1A) Machineryor Equipment ServicingBuilding N/A Lowest Floor for Rating Top of bottom floor Application Should Show Building type — 3 or more floors Basement — None Is building elevated? — No Pre-FIRMRating5 AOZone:Use Pre-FIRM rate table No Basement/Enclosure category. AHZone:Use Pre-FIRM rate table No Basement/Enclosure category. AZone withBFE2: Use Pre-FIRM rate table No Basement/Enclosure category. AZone without BFE2: Use Pre-FIRM rate table No Basement/Enclosure category. Post-FIRMRating AOZone:If difference between LF1 and HAG4 is equal to or greater than Base Flood Depth, use With Certification of Compliance or Elevation Certificate rate. If not, use Without Certification of Compliance or Elevation Certificate rate. AHZone:If LF1 elevation is greater than or equal to the BFE2, use With Certification of Compliance or Elevation Certificate rate. If not, use Without Certification of Compliance or Elevation Certificate rate. AZone withBFE2: Use Post-FIRM rate table No Base Flood Elevation category. If LF1 elevation is 2 or more feet below the BFE2, submit the Application to the insurer for a rate. AZone without BFE2: If difference between the LF1 and HAG4 is 1 foot or more, use Post- FIRM rate table With Base Flood Elevation category. If difference is 0 feet or less, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG27 OctOber 1, 2011 NON-ELEVATEDBUILDINGS PRE-ANDPOST-FIRMRISKSINFLOODZONESA,AO,ANDAH Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate. BuildingDescription 2 floors on raised-slab-on-grade or slab-on-stem-wall-with-fill (see Elevation Certificate, Diagram 1B) Machineryor Equipment ServicingBuilding N/A Lowest Floor for Rating Top of bottom floor Application Should Show Building type — 2 floors Basement — None Is building elevated? — No Pre-FIRMRating5 AOZone:Use Pre-FIRM rate table No Basement/Enclosure category. AHZone:Use Pre-FIRM rate table No Basement/Enclosure category. AZone withBFE2: Use Pre-FIRM rate table No Basement/Enclosure category. AZone without BFE2: Use Pre-FIRM rate table No Basement/Enclosure category. Post-FIRMRating AOZone:If difference between LF1 and HAG4 is equal to or greater than Base Flood Depth, use With Certification of Compliance or Elevation Certificate rate. If not, use Without Certification of Compliance or Elevation Certificate rate. AHZone:If LF1 elevation is greater than or equal to the BFE2, use With Certification of Compliance or Elevation Certificate rate. If not, use Without Certification of Compliance or Elevation Certificate rate. AZone withBFE2: Use Post-FIRM rate table No Base Flood Elevation category. If LF1 elevation is 2 or more feet below the BFE2, submit the Application to the insurer for a rate. AZone without BFE2: If difference between the LF1 and HAG4 is 1 foot or more, use Post- FIRM rate table With Base Flood Elevation category. If difference is 0 feet or less, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG28 OctOber 1, 2011 NON-ELEVATEDBUILDINGS PRE-ANDPOST-FIRMRISKSINFLOODZONESA,AO,ANDAH Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate. BuildingDescription 2 floors on slab with attached garage (see Elevation Certificate, Diagram 1A) Machineryor Equipment ServicingBuilding Machinery or equipment in garage Lowest Floor for Rating If attached garage has no proper openings3, and has machinery or equipment below the BFE2 , use the garage floor for rating. Otherwise, use the top of the finished floor for rating. Application Should Show Building type — 2 floors Basement — None Is building elevated? — No Pre-FIRMRating5 AOZone:Use Pre-FIRM rate table No Basement/Enclosure category. AHZone:Use Pre-FIRM rate table No Basement/Enclosure category. AZone withBFE2: Use Pre-FIRM rate table No Basement/Enclosure category. AZone without BFE2: Use Pre-FIRM rate table No Basement/Enclosure category. Post-FIRMRating AOZone: If difference between LF1 and HAG4 is equal to or greater than Base Flood Depth, use With Certification of Compliance or Elevation Certificate rate. If not, use Without Certification of Compliance or Elevation Certificate rate. AHZone:If LF1 elevation is greater than or equal to the BFE2, use With Certification of Compliance or Elevation Certificate rate. If not, use Without Certification of Compliance or Elevation Certificate rate. AZone withBFE2: Use Post-FIRM rate table With Base Flood Elevation category. If LF1 elevation is 2 or more feet below the BFE2, submit the Application to the insurer for a rate. AZone without BFE2: If difference between the LF1 and HAG4 is 1 foot or more, use Post- FIRM rate table No Base Flood Elevation category. If difference is 0 feet or less, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG29 OctOber 1, 2011 NON-ELEVATEDBUILDINGS PRE-ANDPOST-FIRMRISKSINFLOODZONESAEANDA1–A30 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate. BuildingDescription 1 floor on slab (see Elevation Certificate, Diagram 1A) Machineryor Equipment ServicingBuilding N/A Lowest Floor for Rating Top of bottom floor Application Should Show Building type — 1 floor Basement — None Is building elevated? — No Pre-FIRMRating5 Use Pre-FIRM rate table No Basement/Enclosure category. Post-FIRMRating Use Post-FIRM rate table 1 Floor No Basement/Enclosure/Crawlspace category. If LF1 elevation is 2 or more feet below the BFE2, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG30 OctOber 1, 2011 NON-ELEVATEDBUILDINGS PRE-ANDPOST-FIRMRISKSINFLOODZONESAEANDA1–A30 Letter LetterLetters and number s and numbers and numbers in parentheses, s in parentheses,s in parentheses, as “(A8.c)” or as “(A8.c)” oras “(A8.c)” or “(C2.a), “(C2.a),“(C2.a),” cor ” cor” correspond to Section A or Section C of the respond to Section A or Section C of therespond to Section A or Section C of the Ele EleElevation Cer vation Cervation Certificate. tificate.tificate. BuildingDescription 3 or more floors on slab (see Elevation Certificate, Diagram 1A) Machineryor Equipment ServicingBuilding N/A Lowest Floor for Rating Top of bottom floor Application Should Show Building type — 3 or more floors Basement — None Is building elevated? — No Pre-FIRMRating5 Use Pre-FIRM rate table No Basement/Enclosure category. Post-FIRMRating Use Post-FIRM rate table More Than 1 Floor No Basement/Enclosure/Crawlspace category. If LF1 elevation is 2 or more feet below the BFE2, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG31 OctOber 1, 2011 NON-ELEVATEDBUILDINGS PRE-ANDPOST-FIRMRISKSINFLOODZONESAEANDA1–A30 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate. BuildingDescription 2 floors on raised-slab-on-grade or slab-on-stem-wall-with-fill (see Elevation Certificate, Diagram 1B) Machineryor Equipment ServicingBuilding N/A Lowest Floor for Rating Top of bottom floor Application Should Show Building type — 2 floors Basement — None Is building elevated? — No Pre-FIRMRating5 Use Pre-FIRM rate table No Basement/Enclosure category. Post-FIRMRating Use Post-FIRM rate table More Than 1 Floor No Basement/Enclosure/Crawlspace category. If LF1 elevation is 2 or more feet below the BFE2, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG32 OctOber 1, 2011 NON-ELEVATEDBUILDINGS PRE-ANDPOST-FIRMRISKSINFLOODZONESAEANDA1–A30 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate. BuildingDescription 2 floors on slab with attached garage (see Elevation Certificate, Diagram 1A) Machineryor Equipment ServicingBuilding Machinery or equipment in garage Lowest Floor for Rating If attached garage has no proper openings3, and has machinery or equipment below the BFE2 , use the garage floor for rating. Otherwise, use the top of the finished floor for rating. Application Should Show Building type — 2 floors Basement — None Is building elevated? — No Pre-FIRMRating5 Use Pre-FIRM rate table No Basement/Enclosure category. Post-FIRMRating Use Post-FIRM rate table More Than 1 Floor No Basement/Enclosure/Crawlspace category. If LF1 elevation is 2 or more feet below the BFE2, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG33 OctOber 1, 2011 NON-ELEVATEDBUILDINGS PRE-ANDPOST-FIRMRISKSINFLOODZONESAEANDA1–A30 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate. BuildingDescription 2 floors with subgrade crawlspace with or without openings (see Elevation Certificate, Diagram 9) Subgrade crawlspace floor is no more than 2 feet below grade, and the distance between the subgrade crawlspace floor and the top of the next-higher floor is no more than 5 feet. Machineryor Equipment ServicingBuilding With or without machinery or equipment Lowest Floor for Rating Top of bottom floor (including subgrade crawlspace) Application Should Show Building type — 3 or more floors Is building elevated? — No Subgrade crawlspace Pre-FIRMRating5 Use Pre-FIRM rate table Non-Elevated With Subgrade Crawlspace category. Pre-FIRM buildings with subgrade crawlspace(s) may use optional Post-FIRM elevation rating provided that the lowest floor is below the Base Flood Elevation (BFE). The building must be reported statistically as a Submit-for-Rate using Risk Rating Method “2.” Follow the procedures from the Specific Rating Guidelines for policy processing. Post-FIRMRating Use Post-FIRM rate table More Than 1 Floor With Basement/Enclosure/Crawlspace category. If LF1 elevation is 1 or more feet below the BFE2, submit the Application to the insurer for a rate. See “H. Crawlspace” in the Special Rating Situations subsection in the Rating section. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG34 OctOber 1, 2011 NON-ELEVATEDBUILDINGS PRE-ANDPOST-FIRMRISKSINFLOODZONESAEANDA1–A30 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate. BuildingDescription 2 floors with unfinished basement (see Elevation Certificate, Diagram 2) Basement floor is subgrade more than 2 feet, or subgrade no more than 2 feet and the distance between the basement floor and the top of the next-higher floor is more than 5 feet. Machineryor Equipment ServicingBuilding With or without machinery or equipment Lowest Floor for Rating Top of bottom floor (including basement) Application Should Show Building type — 3 or more floors Is building elevated? — No Basement — Finished or unfinished Pre-FIRMRating5 Use Pre-FIRM rate table With Basement category. Post-FIRMRating Use Post-FIRM rate table More Than 1 Floor With Basement/Enclosure/Crawlspace category. If LF1 elevation is 2 or more feet below the BFE2, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG35 OctOber 1, 2011 NON-ELEVATEDBUILDINGS PRE-ANDPOST-FIRMRISKSINFLOODZONESAEANDA1–A30 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate. BuildingDescription 1 floor with attached garage Garage is at lower elevation than principal building area (see Elevation Certificate, Diagram 1A) Machineryor Equipment ServicingBuilding Machinery or equipment in garage Lowest Floor for Rating If attached garage has no proper openings3, and has machinery or equipment below the BFE2 , use the garage floor for rating. Otherwise, use the top of the finished floor for rating. Application Should Show Building type — 1 floor Basement — None Is building elevated? — No Pre-FIRMRating5 Use Pre-FIRM rate table No Basement/Enclosure category. Post-FIRMRating Use Post-FIRM rate table 1 Floor No Basement/Enclosure/Crawlspace category. If LF1 elevation is 2 or more feet below the BFE2, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG36 OctOber 1, 2011 NON-ELEVATEDBUILDINGS PRE-ANDPOST-FIRMRISKSINFLOODZONESAEANDA1–A30 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate. BuildingDescription Split level with unfinished or finished basement (see Elevation Certificate, Diagram 4) Machineryor Equipment ServicingBuilding With or without machinery or equipment in basement Lowest Floor for Rating Top of bottom floor (including basement) Application Should Show Building type — Split level Basement — Finished or unfinished Is building elevated? — No Pre-FIRMRating5 Use Pre-FIRM rate table With Basement category. Post-FIRMRating Use Post-FIRM rate table More Than 1 Floor With Basement/Enclosure/Crawlspace category. If LF1 elevation is 2 or more feet below the BFE2, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG37 OctOber 1, 2011 ELEVATEDBUILDINGS PRE-ANDPOST-FIRMRISKSINFLOODZONESAEANDA1–A30 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate. BuildingDescription 2 floors with walkout at ground level Lower floor is not below grade on all sides Principal use of the building is on the elevated floor (see Elevation Certificate, Diagram 7) ElevatingFoundation ofBuilding Solid foundation walls Type ofEnclosure Finished or unfinished lower level No openings Machineryor Equipment ServicingBuilding With or without machinery or equipment at ground level Lowest Floor for Rating Top of bottom floor (enclosure) Application Should Show Building type — 2 floors Is building elevated? — Yes Is area below the elevated floor enclosed? — Yes Pre-FIRMRating5 Use Pre-FIRM rate table With Enclosure category. Post-FIRMRating Use Post-FIRM rate table More Than 1 Floor With Basement/Enclosure/Crawlspace category. If LF1 elevation is 1 or more feet below the BFE2, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG38 OctOber 1, 2011 ELEVATEDBUILDINGS PRE-ANDPOST-FIRMRISKSINFLOODZONESAEANDA1–A30 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate. BuildingDescription 1 floor without enclosed area (see Elevation Certificate, Diagram 5) ElevatingFoundation ofBuilding Piers, posts, piles, or columns Type ofEnclosure No enclosure Machineryor Equipment ServicingBuilding With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating Top of lowest elevated floor Application Should Show Building type — 1 floor Is building elevated? — Yes Is area below the elevated floor enclosed? — No Pre-FIRMRating5 Use Pre-FIRM rate table No Basement/Enclosure category. Post-FIRMRating Use Post-FIRM rate table 1 Floor No Basement/Enclosure/Crawlspace category. If LF1 elevation is 2 or more feet below the BFE2, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG39 OctOber 1, 2011 ELEVATEDBUILDINGS PRE-ANDPOST-FIRMRISKSINFLOODZONESAEANDA1–A30 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate. BuildingDescription Elevated on piers, posts, piles, or columns with hanging floor 2 floors, including hanging floor (see Elevation Certificate, Diagram 5) ElevatingFoundation ofBuilding Piers, posts, piles, or columns Type ofEnclosure No enclosure Machineryor Equipment ServicingBuilding With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating Top of lowest elevated floor Application Should Show Building type — 2 floors Is building elevated? — Yes Is area below the elevated floor enclosed? — No Pre-FIRMRating5 Use Pre-FIRM rate table No Basement/Enclosure category. Post-FIRMRating Elevated buildings on posts, piers, pilings, or columns and the lowest elevated floor below the BFE2 is unfinished and used for storage or building access only, use More Than 1 Floor No Basement/Enclosure/Crawlspace category. If LF1 elevation is 1 or more feet below the BFE2 , submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG40 MAY 1, 2012 ELEVATEDBUILDINGS PRE-ANDPOST-FIRMRISKSINFLOODZONESAEANDA1–A30 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate. BuildingDescription 1 floor with unfinished enclosed area (see Elevation Certificate, Diagram 6) ElevatingFoundation of Building Piers, posts, piles, or columns Type ofEnclosure Unfinished enclosure With proper openings3 Machineryor Equipment ServicingBuilding With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating Top of next-higher floor (elevated floor) Application Should Show Building type — 1 floor Is building elevated? — Yes Is area below the elevated floor enclosed? — No Pre-FIRMRating5 Use Pre-FIRM rate table No Basement/Enclosure category. Post-FIRMRating Use Post-FIRM rate table 1 Floor No Basement/Enclosure/Crawlspace category. If LF1 elevation is 2 or more feet below the BFE2, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG41 OctOber 1, 2011 ELEVATEDBUILDINGS PRE-ANDPOST-FIRMRISKSINFLOODZONESAEANDA1–A30 Letter LetterLetters and number s and numbers and numbers in parentheses, s in parentheses,s in parentheses, as “(A8.c)” or as “(A8.c)” oras “(A8.c)” or “(C2.a), “(C2.a),“(C2.a),” cor ” cor” correspond to Section A or Section C of the respond to Section A or Section C of therespond to Section A or Section C of the Ele EleElevation Cer vation Cervation Certificate. tificate.tificate. BuildingDescription 2 floors with unfinished enclosed area (see Elevation Certificate, Diagram 6) ElevatingFoundation of Building Piers, posts, piles, or columns Type ofEnclosure Unfinished enclosure With proper openings3 Machineryor Equipment ServicingBuilding With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating Top of next-higher floor (elevated floor) Application Should Show Building type — 2 floors Is building elevated? — Yes Is area below the elevated floor enclosed? — No Pre-FIRMRating5 Use Pre-FIRM rate table No Basement/Enclosure category. Post-FIRMRating Use Post-FIRM rate table 1 Floor No Basement/Enclosure/Crawlspace category. If LF1 elevation is 2 or more feet below the BFE2, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favor2 BFE — Base Flood Elevation able to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG42 OctOber 1, 2011 ELEVATEDBUILDINGS PRE-ANDPOST-FIRMRISKSINFLOODZONESAEANDA1–A30 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate. BuildingDescription 2 floors with unfinished enclosure/crawlspace (see Elevation Certificate, Diagram 8) ElevatingFoundation ofBuilding Solid foundation walls Type ofEnclosure Unfinished enclosure (garage) and crawlspace No proper openings3 Machineryor Equipment ServicingBuilding With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating Top of bottom floor (garage) Application Should Show Building type — 3 or more floors Is building elevated? — Yes Is area below the elevated floor enclosed? — Yes Pre-FIRMRating5 Use Pre-FIRM rate table With Enclosure category. Post-FIRMRating Use Post-FIRM rate table More Than 1 Floor With Basement/Enclosure/Crawlspace category. If LF1 elevation is 1 or more feet below the BFE2, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG43 OctOber 1, 2011 ELEVATEDBUILDINGS PRE-ANDPOST-FIRMRISKSINFLOODZONESAEANDA1–A30 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate. BuildingDescription 1 floor with finished or unfinished enclosed area (see Elevation Certificate, Diagram 6) ElevatingFoundation ofBuilding Piers, posts, piles, or columns Type ofEnclosure Non-load-bearing walls No openings Machineryor Equipment ServicingBuilding With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating Top of bottom floor (including basement or enclosure) Application Should Show Building type — 2 floors Is building elevated? — Yes Is area below the elevated floor enclosed? — Yes Pre-FIRMRating5 Use Pre-FIRM rate table With Enclosure category. Post-FIRMRating Use Post-FIRM rate table More Than 1 Floor With Basement/Enclosure/Crawlspace category. If LF1 elevation is 1 or more feet below the BFE2, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG44 OctOber 1, 2011 ELEVATEDBUILDINGS PRE-ANDPOST-FIRMRISKSINFLOODZONESAEANDA1–A30 Letter LetterLetters and number s and numbers and numbers in parentheses, s in parentheses,s in parentheses, as “(A8.c)” or as “(A8.c)” oras “(A8.c)” or “(C2.a), “(C2.a),“(C2.a),” cor ” cor” correspond to Section A or Section C of the respond to Section A or Section C of therespond to Section A or Section C of the Ele EleElevation Cer vation Cervation Certificate. tificate.tificate. BuildingDescription 1-floor Mid-Level Entry with unfinished enclosure (see Elevation Certificate, Diagram 7) ElevatingFoundation ofBuilding Solid foundation walls Type ofEnclosure Enclosure garage and storage area Proper openings in garage and enclosure Machineryor Equipment ServicingBuilding With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating Top of next-higher floor (elevated floor) Application Should Show Building type — 1 floor Is building elevated? — Yes Is area below the elevated floor enclosed? — No Pre-FIRMRating5 Use Pre-FIRM rate table No Enclosure category. Post-FIRMRating Use Post-FIRM rate table 1 Floor No Basement/Enclosure/Crawlspace category. If LF1 elevation is 1 or more feet below the BFE2, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG45 MAY 1, 2012 ELEVATEDBUILDINGS PRE-ANDPOST-FIRMRISKSINFLOODZONESAEANDA1–A30 Letter LetterLetters and number s and numbers and numbers in parentheses, s in parentheses,s in parentheses, as “(A8.c)” or as “(A8.c)” oras “(A8.c)” or “(C2.a), “(C2.a),“(C2.a),” cor ” cor” correspond to Section A or Section C of the respond to Section A or Section C of therespond to Section A or Section C of the Ele EleElevation Cer vation Cervation Certificate. tificate.tificate. BuildingDescription 2-floor Mid-Level Entry with unfinished enclosure (see Elevation Certificate, Diagram 7) ElevatingFoundation ofBuilding Solid foundation walls Type ofEnclosure Enclosure garage and storage area No proper openings3 Machineryor Equipment ServicingBuilding With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating Floor of garage and storage area Application Should Show Building type — 2 floors Is building elevated? — Yes Is area below the elevated floor enclosed? — Yes Pre-FIRMRating5 Use Pre-FIRM rate table With Enclosure category. Post-FIRMRating Use Post-FIRM rate table More Than 1 Floor With Basement/Enclosure/Crawlspace category. If LF1 elevation is 1 or more feet below the BFE2, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG46 MAY 1, 2012 ELEVATEDBUILDINGS PRE-ANDPOST-FIRMRISKSINFLOODZONESAEANDA1–A30 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate. BuildingDescription 1 floor with unfinished enclosed area (see Elevation Certificate, Diagram 7) ElevatingFoundation ofBuilding Solid foundation walls Type ofEnclosure Unfinished enclosure No proper openings3 Machineryor Equipment ServicingBuilding With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating Top of bottom floor (including basement or enclosure) Application Should Show Building type — 2 floors Is building elevated? — Yes Is area below the elevated floor enclosed? — Yes Pre-FIRMRating5 Use Pre-FIRM rate table With Enclosure category. Post-FIRMRating Use Post-FIRM rate table More Than 1 Floor With Basement/Enclosure/Crawlspace category. If LF1 elevation is 1 or more feet below the BFE2, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG47 OctOber 1, 2011 ELEVATEDBUILDINGS PRE-ANDPOST-FIRMRISKSINFLOODZONESAEANDA1–A30 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate. BuildingDescription 2 floors with unfinished enclosure/crawlspace (see Elevation Certificate, Diagram 8) ElevatingFoundation ofBuilding Solid foundation walls Type ofEnclosure Enclosed garage at same level as crawlspace Unfinished enclosure/crawlspace No proper openings3 in crawlspace or garage Floor of crawlspace/garage is at or above lowest adjacent grade Machineryor Equipment ServicingBuilding With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating Floor of crawlspace and garage Application Should Show Building type — 3 or more floors Is building elevated? — Yes Is area below the elevated floor enclosed? — Yes Pre-FIRMRating5 Use Pre-FIRM rate table With Enclosure category. Post-FIRMRating Use Post-FIRM rate table More Than 1 Floor With Basement/Enclosure/Crawlspace category. If LF1 elevation is 1 or more feet below the BFE2, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG48 OctOber 1, 2011 ELEVATEDBUILDINGS PRE-ANDPOST-FIRMRISKSINFLOODZONESAEANDA1–A30 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate. BuildingDescription 2 floors with crawlspace (see Elevation Certificate, Diagram 8) ElevatingFoundation ofBuilding Solid foundation walls Type ofEnclosure Unfinished crawlspace Proper openings3 in crawlspace and garage Floor of crawlspace/garage is at or above lowest adjacent grade Machineryor Equipment ServicingBuilding Without machinery or equipment in crawlspace or garage Lowest Floor for Rating Top of next-higher floor (elevated floor) Application Should Show Building type — 2 floors Is building elevated? — Yes Is area below the elevated floor enclosed? — No Pre-FIRMRating5 Use Pre-FIRM rate table No Basement/Enclosure category. Post-FIRMRating Use Post-FIRM rate table More Than 1 Floor No Basement/Enclosure/Crawlspace category. If LF1 elevation is 2 or more feet below the BFE2, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG49 OctOber 1, 2011 ELEVATEDBUILDINGS PRE-ANDPOST-FIRMRISKSINFLOODZONESAEANDA1–A30 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate. BuildingDescription 2 floors with crawlspace (see Elevation Certificate, Diagram 8) ElevatingFoundation ofBuilding Solid foundation walls Type ofEnclosure Unfinished crawlspace With proper openings3 Floor of crawlspace is at or above lowest adjacent grade Machineryor Equipment ServicingBuilding With or without machinery or equipment in crawlspace Lowest Floor for Rating Top of next-higher floor (elevated floor) Application Should Show Building type — 2 floors Is building elevated? — Yes Is area below the elevated floor enclosed? — No Pre-FIRMRating5 Use Pre-FIRM rate table No Basement/Enclosure category. Post-FIRMRating Use Post-FIRM rate table More Than 1 Floor No Basement/Enclosure/Crawlspace category. If LF1 elevation is 2 or more feet below the BFE2, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG50 OctOber 1, 2011 ELEVATEDBUILDINGS PRE-ANDPOST-FIRMRISKSINFLOODZONESAEANDA1–A30 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate. BuildingDescription 2 floors with crawlspace (see Elevation Certificate, Diagram 8) ElevatingFoundation ofBuilding Solid foundation walls Type ofEnclosure Unfinished crawlspace No proper openings3 Floor of crawlspace is at or above lowest adjacent grade Machineryor Equipment ServicingBuilding With or without machinery or equipment in crawlspace Lowest Floor for Rating Top of bottom floor (crawlspace) Application Should Show Building type — 3 or more floors Is building elevated? — Yes Is area below the elevated floor enclosed? — Yes Pre-FIRMRating5 Use Pre-FIRM rate table Elevated on Crawlspace category. Post-FIRMRating Use Post-FIRM rate table More Than 1 Floor With Basement/Enclosure/Crawlspace category. If LF1 elevation is 1 or more feet below the BFE2, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG51 OctOber 1, 2011 ELEVATEDBUILDINGS PRE-ANDPOST-FIRMRISKSINFLOODZONESAEANDA1–A30 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate. BuildingDescription Mobile home without enclosed area (see Elevation Certificate, Diagram 5) ElevatingFoundation ofBuilding Piers, posts, piles, or columns Type ofEnclosure Vinyl or aluminum skirting Machineryor Equipment ServicingBuilding With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating Top of lowest elevated floor Application Should Show Building type — Mobile home Is building elevated? — Yes Is area below the elevated floor enclosed? — No Pre-FIRMRating5 Use Pre-FIRM rate table Manufactured (Mobile) Home category. Post-FIRMRating Use Post-FIRM Manufactured (Mobile) Home rates. If LF1 elevation is 1 or more feet below the BFE2, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG52 OctOber 1, 2011 NON-ELEVATEDBUILDINGS PRE-ANDPOST-FIRMRISKSWITHCONSTRUCTIONDATESOF1975TO SEPTEMBER30,1981,INFLOODZONESVEANDV1–V306 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate. BuildingDescription 1 floor No basement (see Elevation Certificate, Diagram 1A) Lowest Floor for Rating Bottom of slab In V Zones, the lowest floor for rating should reflect the bottom of the lowest horizontal structural member. If the surveyor used item C2.a in lieu of C2.c of the Elevation Certificate, and the top of the bottom floor is at or above grade, deduct (for 1–4 family residences) 12 inches from the elevation figure found in item C2.a. For buildings other than 1–4 family, deduct 18 inches from the elevation figure found in item C2.a. Application Should Show Building type — 1 floor Basement — None Is building elevated? — No Pre-FIRMRating5 Use Pre-FIRM rate table No Basement/Enclosure category. Post-FIRMRating1975 to September 30, 1981, Construction Date Use Post-FIRM ’75–’81 VE, V1–V30 Zone 1 Floor No Basement/Enclosure/Crawlspace rates. If LF1 elevation is 2 or more feet below the BFE2, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG53 OctOber 1, 2011 NON-ELEVATEDBUILDINGS PRE-ANDPOST-FIRMRISKSWITHCONSTRUCTIONDATESOF1975TO SEPTEMBER30,1981,INFLOODZONESVEANDV1–V306 Letter LetterLetters and number s and numbers and numbers in parentheses, s in parentheses,s in parentheses, as “(A8.c)” or as “(A8.c)” oras “(A8.c)” or “(C2.a), “(C2.a),“(C2.a),” cor ” cor” correspond to Section A or Section C of the respond to Section A or Section C of therespond to Section A or Section C of the Ele EleElevation Cer vation Cervation Certificate. tificate.tificate. BuildingDescription 3 or more floors No basement (see Elevation Certificate, Diagram 1A) Lowest Floor for Rating Bottom of slab In V Zones, the lowest floor for rating should reflect the bottom of the lowest horizontal structural member. If the surveyor used item C2.a in lieu of C2.c of the Elevation Certificate, and the top of the bottom floor is at or above grade, deduct (for 1–4 family residences) 12 inches from the elevation figure found in item C2.a. For buildings other than 1–4 family, deduct 18 inches from the elevation figure found in item C2.a. Application Should Show Building type — 3 or more floors Basement — None Is building elevated? — No Pre-FIRMRating5 Use Pre-FIRM rate table No Basement/Enclosure category. Post-FIRMRating1975 to September 30, 1981, Construction Date Use Post-FIRM ’75–’81 VE, V1–V30 Zone 1 Floor No Basement/Enclosure/Crawlspace rates. If LF1 elevation is 2 or more feet below the BFE2, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG54 OctOber 1, 2012 NON-ELEVATEDBUILDINGS PRE-ANDPOST-FIRMRISKSWITHCONSTRUCTIONDATESOF1975TO SEPTEMBER30,1981,INFLOODZONESVEANDV1–V306 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate. BuildingDescription 2 floors on raised-slab-on-grade or slab-on-stem-wall-with-fill (see Elevation Certificate, Diagram 1B) Lowest Floor for Rating Bottom of lowest horizontal structural member (C2.c) Application Should Show Building type — 2 floors Basement — None Is building elevated? — No Pre-FIRMRating5 Use Pre-FIRM rate table No Basement/Enclosure category. Post-FIRMRating1975 to September 30, 1981, Construction Date Use Post-FIRM ’75–’81 VE, V1–V30 Zone More Than 1 Floor No Basement/Enclosure/ Crawlspace rates. If LF1 elevation is 2 or more feet below the BFE2, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG55 OctOber 1, 2012 NON-ELEVATEDBUILDINGS PRE-ANDPOST-FIRMRISKSWITHCONSTRUCTIONDATESOF1975TO SEPTEMBER30,1981,INFLOODZONESVEANDV1–V306 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate. BuildingDescription 1 floor with attached garage Garage is at lower elevation than principal building area (see Elevation Certificate, Diagram 1) Lowest Floor for Rating In V Zones, the lowest floor for rating should reflect the bottom of the slab. If the surveyor used item C2. a or d (attached garage/top of slab) in lieu of C2.c of the Elevation Certificate, and the top of the bottom floor is at or above the lowest adjacent grade (C2.f), deduct (for 1–4 family residences) 12 inches from the elevation figure found in item C2. a or d, whichever is lower. For buildings other than 1–4 family, deduct 18 inches from the elevation figure found in item C2. a or d, whichever is lower. Application Should Show Building type — 1 floor Basement — None Is building elevated? — No Pre-FIRMRating5 Use Pre-FIRM rate table No Basement/Enclosure category. Post-FIRMRating1975 to September 30, 1981, Construction Date Use Post-FIRM ’75–’81 VE, V1–V30 Zone 1 Floor No Basement/Enclosure rates. If LF1 elevation is 2 or more feet below the BFE2, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG56 OctOber 1, 2011 NON-ELEVATEDBUILDINGS PRE-ANDPOST-FIRMRISKSWITHCONSTRUCTIONDATESOF1975TO SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1–V306 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate. BuildingDescription 3 floors Finished basement (see Elevation Certificate, Diagram 2) Lowest Floor for Rating Bottom of slab (basement) In V Zones, the lowest floor for rating should reflect the bottom of the lowest horizontal structural member. If the surveyor used item C2.a in lieu of C2.c of the Elevation Certificate, and the top of the bottom floor is indicated in the Elevation Certificate, deduct (for 1–4 family residences) 12 inches from the elevation figure found in item C2.a. For buildings other than 1–4 family, deduct 18 inches from the elevation figure found in item C2.a. Application Should Show Building type — 3 or more floors Basement — Finished Is building elevated? — No Pre-FIRMRating5 Use Pre-FIRM rate table With Basement category. Post-FIRMRating1975 to September 30, 1981, Construction Date Use Post-FIRM ’75–’81 VE, V1–V30 Zone More Than 1 Floor With Basement/Enclosure/ Crawlspace rates. If LF1 elevation is 2 or more feet below the BFE2, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG57 OctOber 1, 2011 NON-ELEVATEDBUILDINGS PRE-ANDPOST-FIRMRISKSWITHCONSTRUCTIONDATESOF1975TO SEPTEMBER30,1981,INFLOODZONESVEANDV1–V306 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate. BuildingDescription Split level Unfinished basement (see Elevation Certificate, Diagram 4) Lowest Floor for Rating Bottom of slab (basement) In V Zones, the lowest floor for rating should reflect the bottom of the lowest horizontal structural member. If the surveyor used item C2.a in lieu of C2.c of the Elevation Certificate, and the top of the bottom floor is indicated in the Elevation Certificate, deduct (for 1–4 family residences) 12 inches from the elevation figure found in item C2.a. For buildings other than 1–4 family, deduct 18 inches from the elevation figure found in item C2.a. Application Should Show Building type — Split level Basement — Unfinished Is building elevated? — No Pre-FIRMRating5 Use Pre-FIRM rate table With Basement category. Post-FIRMRating1975 to September 30, 1981, Construction Date Use Post-FIRM ’75–’81 VE, V1–V30 Zone More Than 1 Floor With Basement/Enclosure/ Crawlspace rates. If LF1 elevation is 2 or more feet below the BFE2, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG58 OctOber 1, 2011 ELEVATEDBUILDINGS PRE-ANDPOST-FIRMRISKSWITHCONSTRUCTIONDATESOF1975TO SEPTEMBER30,1981,INFLOODZONESVEANDV1–V30 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate. BuildingDescription 2 floors with walkout at ground level Lower floor is not below grade on all sides Principal use of the building is on the elevated floor (see Elevation Certificate, Diagram 7) ElevatingFoundation ofBuilding Solid foundation walls Type ofEnclosure Finished or unfinished lower level Machineryor Equipment ServicingBuilding With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating Bottom of slab In V Zones, the lowest floor for rating should reflect the bottom of the lowest horizontal structural member. If the surveyor used item C2.a in lieu of C2.c of the Elevation Certificate, and the top of the bottom floor is at or above the lowest adjacent grade (C2.f), deduct (for 1–4 family residences) 12 inches from the elevation figure found in item C2.a. For buildings other than 1–4 family, deduct 18 inches from the elevation figure found in item C2.a. Application Should Show Building type — 2 floors Is building elevated? — Yes Is area below the elevated floor enclosed? — Yes Pre-FIRMRating5 Use Pre-FIRM rate table With Enclosure category. Post-FIRMRating1975 to September 30, 1981, Construction Date Use Post-FIRM ’75–’81 VE, V1–V30 Zone More Than 1 Floor With Basement/Enclosure/ Crawlspace rates. If LF1 elevation is 1 or more feet below the BFE2, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG59 OctOber 1, 2011 ELEVATEDBUILDINGS PRE-ANDPOST-FIRMRISKSWITHCONSTRUCTIONDATESOF1975TO SEPTEMBER30,1981,INFLOODZONESVEANDV1–V30 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate. BuildingDescription 1 floor without enclosed area (see Elevation Certificate, Diagram 5) ElevatingFoundation ofBuilding Piers, posts, piles, or columns Type ofEnclosure The space below the lowest elevated floor either has no enclosure or has: (1) Insect screening, provided that no additional supports are required for the screening; or (2) Wooden or plastic lattice with at least 40% of its area open and made of material no thicker than ½ inch; or (3) Wooden or plastic slats or shutters with at least 40% of their area open and made of material no thicker than 1 inch; or (4) The area below the lowest elevated floor is enclosed by a combination of 1 solid breakaway wall or garage door, and the other sides of the enclosure are insect screening, or wooden or plastic lattice, slats, or shutters. Any of these systems must be designed and installed to collapse under stress without jeopardizing the structural support of the building, so that the impact on the building of abnormally high tides or wind-driven water is minimized. Machineryor Equipment ServicingBuilding Any machinery or equipment below elevated floor is at or above the BFE2 Lowest Floor for Rating Bottom of lowest horizontal structural member Application Should Show Building type — 1 floor Is building elevated? — Yes Is area below the elevated floor enclosed? — No Pre-FIRMRating5 Use Pre-FIRM rate table No Basement/Enclosure category. Post-FIRMRating1975 to September 30, 1981, Construction Date Use Post-FIRM ’75–’81 VE, V1–V30 Zone 1 Floor No Basement/Enclosure/Crawlspace rates. If LF1 elevation is 2 or more feet below the BFE2, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG60 OctOber 1, 2011 ELEVATEDBUILDINGS PRE-ANDPOST-FIRMRISKSWITHCONSTRUCTIONDATESOF1975TO SEPTEMBER30,1981,INFLOODZONESVEANDV1–V30 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate. BuildingDescription 2 floors, including hanging floor (see Elevation Certificate, Diagram 5) ElevatingFoundation ofBuilding Piers, posts, piles, or columns Type ofEnclosure No enclosure Machineryor Equipment ServicingBuilding With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating Bottom of lowest horizontal structural member Application Should Show Building type — 2 floors Is building elevated? — Yes Is area below the elevated floor enclosed? — No Pre-FIRMRating5 Use Pre-FIRM rate table No Basement/Enclosure category. Post-FIRMRating1975 to September 30, 1981, Construction Date Use Post-FIRM ’75–’81 VE, V1–V30 Zone More Than 1 Floor No Basement/Enclosure/ Crawlspace rates. If LF1 elevation is 2 or more feet below the BFE2, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG61 OctOber 1, 2011 ELEVATEDBUILDINGS PRE-ANDPOST-FIRMRISKSWITHCONSTRUCTIONDATESOF1975TO SEPTEMBER30,1981,INFLOODZONESVEANDV1–V30 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate. BuildingDescription Mobile home without enclosed area (see Elevation Certificate, Diagram 5) ElevatingFoundation ofBuilding Piers, posts, piles, or columns Type ofEnclosure Vinyl or aluminum skirting Machineryor Equipment ServicingBuilding With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating Bottom of lowest horizontal structural member Application Should Show Building type — Mobile home Is building elevated? — Yes Is area below the elevated floor enclosed? — No Pre-FIRMRating5 Use Pre-FIRM rate table No Basement/Enclosure category. Post-FIRMRating1975 to September 30, 1981, Construction Date Use Post-FIRM ’75–’81 VE, V1–V30 Zone Manufactured (Mobile) Home rates. If LF1 elevation is 1 or more feet below the BFE2, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG62 OctOber 1, 2011 ELEVATEDBUILDINGS PRE-ANDPOST-FIRMRISKSWITHCONSTRUCTIONDATESOF1975TO SEPTEMBER30,1981,INFLOODZONESVEANDV1–V30 Letter LetterLetters and number s and numbers and numbers in parentheses, s in parentheses,s in parentheses, as “(A8.c)” or as “(A8.c)” oras “(A8.c)” or “(C2.a), “(C2.a),“(C2.a),” cor ” cor” correspond to Section A or Section C of the respond to Section A or Section C of therespond to Section A or Section C of the Ele EleElevation Cer vation Cervation Certificate. tificate.tificate. BuildingDescription 2 floors with unfinished enclosed area (see Elevation Certificate, Diagram 6) ElevatingFoundation ofBuilding Piers, posts, piles, or columns Type ofEnclosure Enclosure (total area less than 300 sq. ft.) with breakaway walls Machineryor Equipment ServicingBuilding No machinery or equipment below elevated floor Lowest Floor for Rating Bottom of lowest horizontal structural member Application Should Show Pre-FIRM Post-FIRM Building type 2 floors 2 floors Is building elevated? Yes Yes Is area below the elevated floor enclosed? Yes No Pre-FIRMRating5 Use Pre-FIRM rate table With Enclosure category and describe the building as an elevated building with enclosure. Post-FIRMRating1975 to September 30, 1981, Construction Date Use Post-FIRM ’75–’81 VE, V1–V30 Zone More Than 1 Floor No Basement/Enclosure/ Crawlspace rate category. If LF1 elevation is 2 or more feet below the BFE2, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG63 OctOber 1, 2011 ELEVATEDBUILDINGS PRE-ANDPOST-FIRMRISKSWITHCONSTRUCTIONDATESOF1975TO SEPTEMBER30,1981,INFLOODZONESVEANDV1–V30 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate. BuildingDescription 1 floor with unfinished enclosed area (see Elevation Certificate, Diagram 6) ElevatingFoundation ofBuilding Piers, posts, piles, or columns Type ofEnclosure Enclosure (total area less than 300 sq. ft.) with breakaway walls Machineryor Equipment ServicingBuilding No machinery or equipment below elevated floor Lowest Floor for Rating Bottom of lowest horizontal structural member Application Should Show Pre-FIRM Post-FIRM Building type 2 floors 1 floor Is building elevated? Yes Yes Is area below the elevated floor enclosed? Yes No Pre-FIRMRating5 Use Pre-FIRM rate table With Enclosure category and describe the building as an elevated building with enclosure. Post-FIRMRating1975 to September 30, 1981, Construction Date Use Post-FIRM ’75–’81 VE, V1–V30 Zone 1 Floor No Basement/Enclosure/Crawlspace rate category. If LF1 elevation is 2 or more feet below the BFE2, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG64 OctOber 1, 2011 ELEVATEDBUILDINGS PRE-ANDPOST-FIRMRISKSWITHCONSTRUCTIONDATESOF1975TO SEPTEMBER30,1981,INFLOODZONESVEANDV1–V30 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate. BuildingDescription 1 floor with unfinished enclosed area (see Elevation Certificate, Diagram 6) ElevatingFoundation ofBuilding Piers, posts, piles, or columns Type ofEnclosure Enclosure (total area less than 300 sq. ft.) with breakaway walls Machineryor Equipment ServicingBuilding With machinery or equipment below elevated floor Lowest Floor for Rating Bottom of slab In V Zones, the lowest floor for rating should reflect the bottom of the lowest horizontal structural member. If the surveyor used item C2.a in lieu of C2.c of the Elevation Certificate, and the top of the bottom floor is at or above the lowest adjacent grade (C2.f), deduct (for 1–4 family residences) 12 inches from the elevation figure found in item C2.a. For buildings other than 1–4 family, deduct 18 inches from the elevation figure found in item C2.a. Application Should Show Building Type — 2 floors Is building elevated? — Yes Is area below the elevated floor enclosed? — Yes Pre-FIRMRating5 Use Pre-FIRM rate table With Enclosure category. Post-FIRMRating1975 to September 30, 1981, Construction Date Use Post-FIRM ’75–’81 VE, V1–V30 Zone More Than 1 Floor With Basement/Enclosure/ Crawlspace rate category. If LF1 elevation is 1 or more feet below the BFE2, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG65 OctOber 1, 2011 ELEVATEDBUILDINGS PRE-ANDPOST-FIRMRISKSWITHCONSTRUCTIONDATESOF1975TO SEPTEMBER30,1981,INFLOODZONESVEANDV1–V30 Letter LetterLetters and number s and numbers and numbers in parentheses, s in parentheses,s in parentheses, as “(A8.c)” or as “(A8.c)” oras “(A8.c)” or “(C2.a), “(C2.a),“(C2.a),” cor ” cor” correspond to Section A or Section C of the respond to Section A or Section C of therespond to Section A or Section C of the tificate. Ele EleElevation Cer vation Cervation Certificate BuildingDescription 1 floor with finished or unfinished enclosed area (see Elevation Certificate, Diagram 6) ElevatingFoundation ofBuilding Piers, posts, piles, or columns Type ofEnclosure Enclosure (total area 300 sq. ft. or more) with non-breakaway walls or with breakaway walls Machineryor Equipment ServicingBuilding With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating Bottom of slab In V Zones, the lowest floor for rating should reflect the bottom of the lowest horizontal structural member. If the surveyor used item C2.a in lieu of C2.c of the Elevation Certificate, and the top of the bottom floor is at or above the lowest adjacent grade (C2.f), deduct (for 1–4 family residences) 12 inches from the elevation figure found in item C2.a. For buildings other than 1–4 family, deduct 18 inches from the elevation figure found in item C2.a. Application Should Show Building type — 2 floors Is building elevated? — Yes Is area below the elevated floor enclosed? — Yes Pre-FIRMRating5 Use Pre-FIRM rate table With Enclosure category. Post-FIRMRating1975 to September 30, 1981, Construction Date Use Post-FIRM ’75–’81 VE, V1–V30 Zone More Than 1 Floor With Basement/Enclosure/ Crawlspace rate category. If LF1 elevation is 1 or more feet below the BFE2, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG66 OctOber 1, 2011 ELEVATEDBUILDINGS PRE-ANDPOST-FIRMRISKSWITHCONSTRUCTIONDATESOF1975TO SEPTEMBER30,1981,INFLOODZONESVEANDV1–V30 Letter LetterLetters and number s and numbers and numbers in parentheses, s in parentheses,s in parentheses, as “(A8.c)” or as “(A8.c)” oras “(A8.c)” or “(C2.a), “(C2.a),“(C2.a),” cor ” cor” correspond to Section A or Section C of the respond to Section A or Section C of therespond to Section A or Section C of the Ele EleElevation Cer vation Cervation Certificate. tificate.tificate. BuildingDescription 2 floors with finished or unfinished enclosed area (see Elevation Certificate, Diagram 6) ElevatingFoundation ofBuilding Piers, posts, piles, or columns Type ofEnclosure Enclosure (total area less than 300 sq. ft.) with non-breakaway walls Machineryor Equipment ServicingBuilding With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating Bottom of slab In V Zones, the lowest floor for rating should reflect the bottom of the lowest horizontal structural member. If the surveyor used item C2.a in lieu of C2.c of the Elevation Certificate, and the top of the bottom floor is at or above the lowest adjacent grade (C2.f), deduct (for 1–4 family residences) 12 inches from the elevation figure found in item C2.a. For buildings other than 1–4 family, deduct 18 inches from the elevation figure found in item C2.a. Application Should Show Building Type — 3 floors Is building elevated? — Yes Is area below the elevated floor enclosed? — Yes Pre-FIRMRating5 Use Pre-FIRM rate table With Enclosure category. Post-FIRMRating1975 to September 30, 1981, Construction Date Use Post-FIRM ’75–’81 VE, V1–V30 Zone More Than 1 Floor With Basement/Enclosure/ Crawlspace rate category. If LF1 elevation is 1 or more feet below the BFE2, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG67 OctOber 1, 2011 ELEVATEDBUILDINGS PRE-ANDPOST-FIRMRISKSWITHCONSTRUCTIONDATESOF1975TO SEPTEMBER30,1981,INFLOODZONESVEANDV1–V30 Letter LetterLetters and number s and numbers and numbers in parentheses, s in parentheses,s in parentheses, as “(A8.c)” or as “(A8.c)” oras “(A8.c)” or “(C2.a), “(C2.a),“(C2.a),” cor ” cor” correspond to Section A or Section C of the respond to Section A or Section C of therespond to Section A or Section C of the Ele EleElevation Cer vation Cervation Certificate. tificate.tificate. BuildingDescription 3 or more floors with finished or unfinished enclosed area (see Elevation Certificate, Diagram 6) ElevatingFoundation ofBuilding Piers, posts, piles, or columns Type ofEnclosure Enclosure (total area 300 sq. ft. or more) with non-breakaway walls or with breakaway walls Machineryor Equipment ServicingBuilding With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating Bottom of slab In V Zones, the lowest floor for rating should reflect the bottom of the lowest horizontal structural member. If the surveyor used item C2.a in lieu of C2.c of the Elevation Certificate, and the top of the bottom floor is at or above the lowest adjacent grade (C2.f), deduct (for 1–4 family residences) 12 inches from the elevation figure found in item C2.a. For buildings other than 1–4 family, deduct 18 inches from the elevation figure found in item C2.a. Application Should Show Building type — 3 or more floors Is building elevated? — Yes Is area below the elevated floor enclosed? — Yes Pre-FIRMRating5 Use Pre-FIRM rate table With Enclosure category. Post-FIRMRating1975 to September 30, 1981, Construction Date Use Post-FIRM ’75–’81 VE, V1–V30 Zone More Than 1 Floor With Basement/Enclosure/ Crawlspace rate category. If LF1 elevation is 1 or more feet below the BFE2, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG68 OctOber 1, 2011 ELEVATEDBUILDINGS PRE-ANDPOST-FIRMRISKSWITHCONSTRUCTIONDATESOF1975TO SEPTEMBER30,1981,INFLOODZONESVEANDV1–V30 Letter LetterLetters and number s and numbers and numbers in parentheses, s in parentheses,s in parentheses, as “(A8.c)” or as “(A8.c)” oras “(A8.c)” or “(C2.a), “(C2.a),“(C2.a),” cor ” cor” correspond to Section A or Section C of the respond to Section A or Section C of therespond to Section A or Section C of the tificate. Ele EleElevation Cer vation Cervation Certificate BuildingDescription 1 floor with finished or unfinished enclosed area (see Elevation Certificate, Diagram 6) ElevatingFoundation ofBuilding Shear walls parallel to the expected flow of floodwaters Type ofEnclosure Both ends enclosed with nonbreakaway walls or breakaway walls (total enclosed area 300 sq. ft. or more) Machineryor Equipment ServicingBuilding With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating Bottom of slab In V Zones, the lowest floor for rating should reflect the bottom of the lowest horizontal structural member. If the surveyor used item C2.a in lieu of C2.c of the Elevation Certificate, and the top of the bottom floor is at above the lowest adjacent grade (C2.f), deduct (for 1–4 family residences) 12 inches from the elevation figure found in item C2.a. For buildings other than 1–4 family, deduct 18 inches from the elevation figure found in item C2.a. Application Should Show Building type — 2 floors Is building elevated? — Yes Is area below the elevated floor enclosed? — Yes Pre-FIRMRating5 Use Pre-FIRM rate table With Enclosure category. Post-FIRMRating1975 to September 30, 1981, Construction Date Use Post-FIRM ’75–’81 VE, V1–V30 Zone More Than 1 Floor With Basement/Enclosure/ Crawlspace rate category. If LF1 elevation is 1 or more feet below the BFE2, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG69 OctOber 1, 2011 ELEVATEDBUILDINGS PRE-ANDPOST-FIRMRISKSWITHCONSTRUCTIONDATESOF1975TO SEPTEMBER30,1981,INFLOODZONESVEANDV1–V30 Letter LetterLetters and number s and numbers and numbers in parentheses, s in parentheses,s in parentheses, as “(A8.c)” or as “(A8.c)” oras “(A8.c)” or “(C2.a), “(C2.a),“(C2.a),” cor ” cor” correspond to Section A or Section C of the respond to Section A or Section C of therespond to Section A or Section C of the tificate. Ele EleElevation Cer vation Cervation Certificate BuildingDescription 1 floor with finished or unfinished enclosed area (see Elevation Certificate, Diagram 7) ElevatingFoundation ofBuilding Solid foundation walls Type ofEnclosure Finished or unfinished enclosure Machineryor Equipment ServicingBuilding With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating Bottom of slab In V Zones, the lowest floor for rating should reflect the bottom of the lowest horizontal structural member. If the surveyor used item C2.a in lieu of C2.c of the Elevation Certificate, and the top of the bottom floor is at or above the lowest adjacent grade (C2.f), deduct (for 1–4 family residences) 12 inches from the elevation figure found in item C2.a. For buildings other than 1–4 family, deduct 18 inches from the elevation figure found in item C2.a. Application Should Show Building type — 2 floors Is building elevated? — Yes Is area below the elevated floor enclosed? — Yes Pre-FIRMRating5 Use Pre-FIRM rate table With Enclosure category. Post-FIRMRating1975 to September 30, 1981, Construction Date Use Post-FIRM ’75–’81 VE, V1–V30 Zone More Than 1 Floor With Basement/Enclosure/ Crawlspace rate category. If LF1 elevation is 1 or more feet below the BFE2, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG70 OctOber 1, 2011 ELEVATEDBUILDINGS PRE-ANDPOST-FIRMRISKSWITHCONSTRUCTIONDATESOF1975TO SEPTEMBER30,1981,INFLOODZONESVEANDV1–V30 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate. BuildingDescription 2 floors with crawlspace (see Elevation Certificate, Diagram 8) ElevatingFoundation ofBuilding Solid foundation walls Type ofEnclosure Unfinished crawlspace Machineryor Equipment ServicingBuilding With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating Bottom of foundation wall Application Should Show Building type — 3 or more floors Is building elevated? — Yes Is area below the elevated floor enclosed? — Yes Pre-FIRMRating5 Use Pre-FIRM rate table Elevated On Crawlspace category. Post-FIRMRating1975 to September 30, 1981, Construction Date Use Post-FIRM ’75–’81 VE, V1–V30 Zone More Than 1 Floor With Basement/Enclosure/ Crawlspace rate category. If LF1 elevation is 1 or more feet below the BFE2, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG71 OctOber 1, 2011 ELEVATEDBUILDINGS POST-FIRMRISKSINFLOODZONESVEANDV1–V30— CONSTRUCTIONDATEOCTOBER1,1981,ANDAFTER Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate. BuildingDescription 1 floor without enclosed area (see Elevation Certificate, Diagram 5) ElevatingFoundation ofBuilding Piers, posts, piles, or columns Type ofEnclosure The space below the lowest elevated floor either has no enclosure or has: (1) Insect screening, provided that no additional supports are required for the screening; or (2) Wooden or plastic lattice with at least 40% of its area open and made of material no thicker than ½ inch; or (3) Wooden or plastic slats or shutters with at least 40% of their area open and made of material no thicker than 1 inch; or (4) The area below the lowest elevated floor is enclosed by a combination of 1 solid breakaway wall or garage door, and the other sides of the enclosure are insect screening, or wooden or plastic lattice, slats, or shutters. Any of these systems must be designed and installed to collapse under stress without jeopardizing the structural support of the building, so that the impact on the building of abnormally high tides or wind-driven water is minimized. Machineryor Equipment ServicingBuilding No machinery or equipment below elevated floor Lowest Floor for Rating Bottom of lowest horizontal structural member Application Should Show Building type — 1 floor Is building elevated? — Yes Is area below the elevated floor enclosed? — No V-Zone Rating; Construction Date October 1, 1981, andAfter Use 1981 Post-FIRM V1–V30, VE Zone Free of Obstruction rates. If LF1 elevation is 4 or more feet below the BFE2, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG72 OctOber 1, 2011 ELEVATEDBUILDINGS POST-FIRMRISKSINFLOODZONESVEANDV1–V30— CONSTRUCTIONDATEOCTOBER1,1981,ANDAFTER Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate. BuildingDescription 1 floor without enclosed area (see Elevation Certificate, Diagram 5) ElevatingFoundation ofBuilding Piers, posts, piles, or columns Type ofEnclosure No enclosure or open-wood latticework or insect screening Machineryor Equipment ServicingBuilding With machinery or equipment at or above the BFE Lowest Floor for Rating Bottom of lowest horizontal structural member Application Should Show Building type — 1 floor Is building elevated? — Yes Is area below the elevated floor enclosed? — No V-Zone Rating; Construction Date October 1, 1981, andAfter Use 1981 Post-FIRM V1–V30, VE Zone Free of Obstruction rates. If LF1 elevation is 4 or more feet below the BFE2, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG73 OctOber 1, 2011 ELEVATEDBUILDINGS POST-FIRMRISKSINFLOODZONESVEANDV1–V30— CONSTRUCTIONDATEOCTOBER1,1981,ANDAFTER Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate. BuildingDescription 2 floors, including hanging floor (see Elevation Certificate, Diagram 5) ElevatingFoundation ofBuilding Piers, posts, piles, or columns Type ofEnclosure No enclosure Machineryor Equipment ServicingBuilding Without machinery or equipment below the lowest elevated floor Lowest Floor for Rating Bottom of lowest horizontal structural member Application Should Show Building type — 2 floors Is building elevated? — Yes Is area below the elevated floor enclosed? — No V-Zone Rating; Construction Date October 1, 1981, andAfter Use 1981 Post-FIRM V1–V30, VE Zone Free of Obstruction rates. If LF1 elevation is 4 or more feet below the BFE2, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG74 OctOber 1, 2012 ELEVATEDBUILDINGS POST-FIRMRISKSINFLOODZONESVEANDV1–V30— CONSTRUCTIONDATEOCTOBER1,1981,ANDAFTER Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate. BuildingDescription 1 floor with unfinished enclosed area (see Elevation Certificate, Diagram 6) ElevatingFoundation ofBuilding Piers, posts, piles, or columns Type ofEnclosure Enclosure (total area less than 300 sq. ft.) with breakaway walls Machineryor Equipment ServicingBuilding Without machinery or equipment below elevated floor Lowest Floor for Rating Bottom of lowest horizontal structural member Application Should Show Building type — 2 floors Is building elevated? — Yes Is area below the elevated floor enclosed? — Yes V-Zone Rating; Construction Date October 1, 1981, andAfter Use 1981 Post-FIRM V1–V30, VE Zone With Obstruction rates. If LF1 elevation is 4 or more feet below the BFE2, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG75 OctOber 1, 2012 ELEVATEDBUILDINGS POST-FIRMRISKSINFLOODZONESVEANDV1–V30— CONSTRUCTIONDATEOCTOBER1,1981,ANDAFTER Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate. BuildingDescription 1 floor with unfinished enclosed area (see Elevation Certificate, Diagram 6) ElevatingFoundation ofBuilding Piers, posts, piles, or columns Type ofEnclosure Enclosure (total area less than 300 sq. ft.) with breakaway walls Machineryor Equipment ServicingBuilding With machinery or equipment below the BFE Lowest Floor for Rating Bottom of slab In V Zones, the lowest floor for rating should reflect the bottom of the lowest horizontal structural member. If the surveyor used item C2.a in lieu of C2.c of the Elevation Certificate, and the top of the bottom floor is at or above the lowest adjacent grade, deduct (for 1–4 family residences) 12 inches from the elevation figure found in item C2.a. For buildings other than 1–4 family, deduct 18 inches from the elevation figure found in item C2.a. Application Should Show Building type — 2 floors Is building elevated? — Yes Is area below the elevated floor enclosed? — Yes V-Zone Rating; Construction Date October 1, 1981, andAfter Submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG76 OctOber 1, 2011 ELEVATEDBUILDINGS POST-FIRMRISKSINFLOODZONESVEANDV1–V30— CONSTRUCTIONDATEOCTOBER1,1981,ANDAFTER Letter LetterLetters and number s and numbers and numbers in parentheses, s in parentheses,s in parentheses, as “(A8.c)” or as “(A8.c)” oras “(A8.c)” or “(C2.a), “(C2.a),“(C2.a),” cor ” cor” correspond to Section A or Section C of the respond to Section A or Section C of therespond to Section A or Section C of the Ele EleElevation Cer vation Cervation Certificate. tificate.tificate. BuildingDescription 2 floors with finished or unfinished enclosed area (see Elevation Certificate, Diagram 6) ElevatingFoundation ofBuilding Piers, posts, piles, or columns Type ofEnclosure Enclosure (total area less than 300 sq. ft.) with breakaway walls Machineryor Equipment ServicingBuilding With machinery or equipment below the BFE Lowest Floor for Rating Bottom of slab In V Zones, the lowest floor for rating should reflect the bottom of the lowest horizontal structural member. If the surveyor used item C2.a in lieu of C2.c of the Elevation Certificate, and the top of the bottom floor is at or above the lowest adjacent grade, deduct (for 1–4 family residences) 12 inches from the elevation figure found in item C2.a. For buildings other than 1–4 family, deduct 18 inches from the elevation figure found in item C2.a. Application Should Show Building type — 3 floors Is building elevated? — Yes Is area below the elevated floor enclosed? — Yes V-Zone Rating; Construction Date October 1, 1981, andAfter Submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG77 OctOber 1, 2011 ELEVATEDBUILDINGS POST-FIRMRISKSINFLOODZONESVEANDV1–V30— CONSTRUCTIONDATEOCTOBER1,1981,ANDAFTER Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate. BuildingDescription 1 floor with finished or unfinished enclosed area (see Elevation Certificate, Diagram 6) ElevatingFoundation ofBuilding Piers, posts, piles, or columns Type ofEnclosure Enclosure (total area 300 sq. ft. or more) with nonbreakaway walls or breakaway walls Machineryor Equipment ServicingBuilding With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating Bottom of slab In V Zones, the lowest floor for rating should reflect the bottom of the lowest horizontal structural member. If the surveyor used item C2.a in lieu of C2.c of the Elevation Certificate, and the top of the bottom floor is at or above the lowest adjacent grade (C2.f), deduct (for 1–4 family residences) 12 inches from the elevation figure found in item C2.a. For buildings other than 1–4 family, deduct 18 inches from the elevation figure found in item C2.a. Application Should Show Building type — 2 floors Is building elevated? — Yes Is area below the elevated floor enclosed? — Yes V-Zone Rating; Construction Date October 1, 1981, andAfter Submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG78 OctOber 1, 2011 ELEVATEDBUILDINGS POST-FIRMRISKSINFLOODZONESVEANDV1–V30— CONSTRUCTIONDATEOCTOBER1,1981,ANDAFTER Letter LetterLetters and number s and numbers and numbers in parentheses, s in parentheses,s in parentheses, as “(A8.c)” or as “(A8.c)” oras “(A8.c)” or “(C2.a), “(C2.a),“(C2.a),” cor ” cor” correspond to Section A or Section C of the respond to Section A or Section C of therespond to Section A or Section C of the Ele EleElevation Cer vation Cervation Certificate. tificate.tificate. BuildingDescription 3 or more floors with finished or unfinished enclosed area (see Elevation Certificate, Diagram 6) ElevatingFoundation ofBuilding Piers, posts, piles, or columns Type ofEnclosure Enclosure (total area 300 sq. ft. or more) with nonbreakaway walls or breakaway walls Machineryor Equipment ServicingBuilding With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating Bottom of slab In V Zones, the lowest floor for rating should reflect the bottom of the lowest horizontal structural member. If the surveyor used item C2.a in lieu of C2.c of the Elevation Certificate, and the top of the bottom floor is at or above the lowest adjacent grade (C2.f), deduct (for 1–4 family residences) 12 inches from the elevation figure found in item C2.a. For buildings other than 1–4 family, deduct 18 inches from the elevation figure found in item C2.a. Application Should Show Building type — 3 or more floors Is building elevated? — Yes Is area below the elevated floor enclosed? — Yes V-Zone Rating; Construction Date October 1, 1981, andAfter Submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG79 OctOber 1, 2011 ELEVATEDBUILDINGS POST-FIRMRISKSINFLOODZONESVEANDV1–V30— CONSTRUCTIONDATEOCTOBER1,1981,ANDAFTER Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate. BuildingDescription 1 floor with finished or unfinished enclosed area (see Elevation Certificate, Diagram 6) ElevatingFoundation ofBuilding Shear walls parallel to the expected flow of floodwaters Type ofEnclosure Both ends enclosed with breakaway walls (total enclosed area 300 sq. ft. or more) Machineryor Equipment ServicingBuilding With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating Bottom of slab In V Zones, the lowest floor for rating should reflect the bottom of the lowest horizontal structural member. If the surveyor used item C2.a in lieu of C2.c of the Elevation Certificate, and the top of the bottom floor is at or above the lowest adjacent grade (C2.f), deduct (for 1–4 family residences) 12 inches from the elevation figure found in item C2.a. For buildings other than 1–4 family, deduct 18 inches from the elevation figure found in item C2.a. Application Should Show Building type — 2 floors Is building elevated? — Yes Is area below the elevated floor enclosed? — Yes V-Zone Rating; Construction Date October 1, 1981, andAfter Submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG80 OctOber 1, 2011 ELEVATEDBUILDINGS POST-FIRMRISKSINFLOODZONESVEANDV1–V30— CONSTRUCTIONDATEOCTOBER1,1981,ANDAFTER Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate. BuildingDescription 1 floor with finished or unfinished enclosed area (see Elevation Certificate, Diagram 7) ElevatingFoundation of Building Solid foundation walls Type ofEnclosure Finished or unfinished enclosure Machineryor Equipment ServicingBuilding With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating Bottom of slab In V Zones, the lowest floor for rating should reflect the bottom of the lowest horizontal structural member. If the surveyor used item C2.a in lieu of C2.c of the Elevation Certificate, and the top of the bottom floor is at or above the lowest adjacent grade (C2.f), deduct (for 1–4 family residences) 12 inches from the elevation figure found in item C2.a. For buildings other than 1–4 family, deduct 18 inches from the elevation figure found in item C2.a Application Should Show Building type — 2 floors Is building elevated? — Yes Is area below the elevated floor enclosed? — Yes V-Zone Rating; Construction Date October 1, 1981, andAfter Submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG81 OctOber 1, 2011 ELEVATEDBUILDINGS POST-FIRMRISKSINFLOODZONESVEANDV1–V30— CONSTRUCTIONDATEOCTOBER1,1981,ANDAFTER Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate. BuildingDescription 2 floors with crawlspace (see Elevation Certificate, Diagram 8) ElevatingFoundation ofBuilding Solid foundation walls Type ofEnclosure Unfinished crawlspace Machineryor Equipment ServicingBuilding With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating Bottom of foundation wall Application Should Show Building type — 3 or more floors Is building elevated? — Yes Is area below the elevated floor enclosed? — Yes V-Zone Rating; Construction Date October 1, 1981, andAfter Submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG82 OctOber 1, 2011 ELEVATEDBUILDINGS POST-FIRMRISKSINFLOODZONESVEANDV1–V30— CONSTRUCTIONDATEOCTOBER1,1981,ANDAFTER Letter LetterLetters and number s and numbers and numbers in parentheses, s in parentheses,s in parentheses, as “(A8.c)” or as “(A8.c)” oras “(A8.c)” or “(C2.a), “(C2.a),“(C2.a),” cor ” cor” correspond to Section A or Section C of the respond to Section A or Section C of therespond to Section A or Section C of the Ele EleElevation Cer vation Cervation Certificate. tificate.tificate. BuildingDescription 1 floor Mid-Level Entry with unfinished enclosure (see Elevation Certificate, Diagram 6) ElevatingFoundation ofBuilding Piers, posts, piles, or columns Type ofEnclosure Enclosure garage Enclosure (total area 300 sq. ft. or more) with nonbreakaway walls or breakaway walls Machineryor Equipment ServicingBuilding With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating Bottom of slab In V Zones, the lowest floor for rating should reflect the bottom of the lowest horizontal structural member. If the surveyor used item C2.a in lieu of C2.c of the Elevation Certificate, and the top of the bottom floor is at or above the lowest adjacent grade (C2.f), deduct (for 1–4 family residences) 12 inches from the elevation figure found in item C2.a. For buildings other than 1–4 family, deduct 18 inches from the elevation figure found in item C2.a Application Should Show Building type — 2 floors Is building elevated? — Yes Is area below the elevated floor enclosed? — Yes V-Zone Rating; Construction Date October 1, 1981, andAfter Submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG83 OctOber 1, 2011 NON-ELEVATEDBUILDINGS POST-FIRMRISKSINFLOODZONESVEANDV1–V30— CONSTRUCTIONDATEOCTOBER1,1981,ANDAFTER Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate. BuildingDescription 2 floors on raised-slab-on-grade or slab-on-stem-wall-with-fill (see Elevation Certificate, Diagram 1B) Lowest Floor for Rating Lowest adjacent grade (C2.f) Application Should Show Building type — 2 floors Basement — None Is building elevated? — No V-Zone Rating; Construction Date October 1, 1981, andAfter Submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG84 OctOber 1, 2011