U.S. Department of Homeland Security 500 C Street SW Washington, DC 20472 July 2010 Dear Flood Insurance Manual Subscribers: Revisions have been made to the NFIP Flood Insurance Manual that will become effective October 1, 2010, and January 1, 2011. All of the changes are shown on the enclosed amended pages, and related footers have been modified to reflect the October 1, 2010, or January 1, 2011, effective date. The significant revisions include the following: October 1, 2010, Changes • Updates to the list of NFIP Bureau and Statistical Agent Regional Offices (REF Section) • Introduction of Special Rates (RATE Section) • Grandfathering Rules Clarification (RATE Section) • Increase to building and contents rates (RATE and CONDO Sections) • Revision to the Increased Cost of Compliance (ICC) premiums (RATE and CONDO Sections) • Introduction of the Replacement Cost Value Notification Letter (CONDO Section) • Updates to the Community Rating System Eligible Communities list (CRS Section) January 1, 2011, Changes (for Preferred Risk Policy [PRP] Section Only) • Introduction of 2-year PRP eligibility extension • PRP Premium and ICC Changes • Revision to PRP Application form to address the 2-year PRP eligibility extension. Thank you for your continued support of the NFIP. Sincerely, Enclosure www.fema.gov Change Record Page Effective Date: October 1, 2010 Updates to the NFIP Flood Insurance Manual are distributed semiannually. Each change is highlighted by a vertical bar in the margin of the page. The effective date of each page is shown in the bottom right corner. Pages bearing the new effective date but no change bar simply indicate that text has shifted from one page to another. Please keep this Change Record Page in your manual for reference. Remove i-vi, xiii-xiv REF 3-7 GR 7-15 APP 1-2, 7-12 RATE 1-14, 17-25, 33-63 CONDO 1-2, 5-31 LFG 1-2B, 27-28 PRP 1-10 MPPP 1-2 END 1-2, 7-10, 13-14 REN 1-2 CN 1-2, 5-6, 9-11 PR 3-4 CRS 1-29 DEF 3-10 IND 1-5 Insert i-vi, xiii-xiv REF 3-7 GR 7-16 APP 1-2, 7-13 RATE 1-14, 17-25A, 33-63 CONDO 1-2, 5-31 LFG 1-2B, 27-28 PRP 1-10 MPPP 1-2 END 1-2, 7-10, 13-14 REN 1-2 CN 1-2, 5-6, 9-11 PR 3-4 CRS 1-29 DEF 3-10 IND 1-5 TABLE OF CONTENTS SECTION PAGE REFERENCE .............................................................................................................................. REF 1 I. INTRODUCTION TO THE NATIONAL FLOOD INSURANCE PROGRAM ................. REF 1 II. THE WRITE YOUR OWN PROGRAM ......................................................................... REF 1 III. TECHNICAL ASSISTANCE ......................................................................................... REF 2 A. WYO Companies ................................................................................................. REF 2 B. NFIP Servicing Agent (NFIP Direct) ..................................................................... REF 2 C. Special Direct Facility ........................................................................................... REF 2 IV. CONTACT INFORMATION A. NFIP Servicing Agent Contact Information .......................................................... REF 3 B. NFIP General Contact Information ....................................................................... REF 4 C. NFIP Regional Offices .......................................................................................... REF 5 PAPERWORK BURDEN DISCLOSURE NOTICE................................................................ REF 7 GENERAL RULES ..................................................................................................................... GR 1 I. COMMUNITY ELIGIBILITY .......................................................................................... GR 1 A. Participating (Eligible) Communities .................................................................... GR 1 B. Emergency Program ............................................................................................ GR 1 C. Regular Program .................................................................................................. GR 1 D. Maps ..................................................................................................................... GR 1 E. Probation .............................................................................................................. GR 1 F. Suspension........................................................................................................... GR 1 G. Non-Participating (Ineligible) Communities .......................................................... GR 1 H. Coastal Barrier Resources Act ............................................................................. GR 1 I. Federal Land ........................................................................................................ GR 1 II. POLICIES AND PRODUCTS AVAILABLE ................................................................... GR 1 A. Standard Flood Insurance Policy ......................................................................... GR 1 B. Insurance Products .............................................................................................. GR 2 III. BUILDING PROPERTY ELIGIBILITY .......................................................................... GR 3 A. Eligible Buildings .................................................................................................. GR 3 B. Single Building ..................................................................................................... GR 5 C. Walls ..................................................................................................................... GR 5 D. Determination of Building Occupancy .................................................................. GR 5 IV. CONTENTS ELIGIBILITY............................................................................................. GR 6 A. Eligible Contents .................................................................................................. GR 6 B. Vehicles and Equipment ...................................................................................... GR 6 C. Silos, Grain Storage Buildings, and Cisterns ....................................................... GR 6 D. Commercial Contents Coverage .......................................................................... GR 6 V. EXAMPLES OF ELIGIBLE RISKS ............................................................................... GR 6 A. Building Coverage ................................................................................................ GR 6 B. Contents Coverage .............................................................................................. GR 7 C. Condominiums ..................................................................................................... GR 7 VI. INELIGIBLE PROPERTY ............................................................................................. GR 7 TABLE OF CONTENTS (Continued) SECTION PAGE A. Buildings ............................................................................................................... GR 7 B. Container-Type Buildings ..................................................................................... GR 7 C. Buildings Entirely Over Water .............................................................................. GR 7 D. Buildings Partially Underground ........................................................................... GR 7 E. Basement/Elevated Building Enclosures ............................................................. GR 7 VII. EXAMPLES OF INELIGIBLE RISKS ............................................................................ GR 7 A. Building Coverage ................................................................................................ GR 7 B. Contents Coverage .............................................................................................. GR 8 C. Non-Residential Condominium Unit ..................................................................... GR 8 VIII. POLICY EFFECTIVE DATE ......................................................................................... GR 8 A. Evidence of Insurance.......................................................................................... GR 8 B. Start of Waiting Period ......................................................................................... GR 8 C. Presentment of Premium Date Requirements ..................................................... GR 8 D. Effective Date ....................................................................................................... GR 9 IX. COVERAGE ................................................................................................................. GR 12 A. Limits of Coverage ............................................................................................... GR 12 B. Deductibles ........................................................................................................... GR 12 C. Coverage D – Increased Cost of Compliance (ICC) Coverage ........................... GR 12 D. Reduction of Coverage Limits or Reformation ..................................................... GR 13 E. Loss Assessments ............................................................................................... GR 13 F. Improvements and Betterments and Tenant’s Coverage .................................... GR 14 X. SPECIAL RATING SITUATIONS ................................................................................. GR 14 A. Tentative Rates .................................................................................................... GR 14 B. Submit-For-Rate ................................................................................................... GR 15 C. Provisional Rates ................................................................................................. GR 15 D. Buildings in More Than One Flood Zone ............................................................. GR 15 E. Different Base Flood Elevations (BFEs) Reported............................................... GR 15 F. Flood Zone Discrepancies ................................................................................... GR 15 XI. MISCELLANEOUS RULES .......................................................................................... GR 15 A. Policy Term .......................................................................................................... GR 15 B. Application Submission ........................................................................................ GR 15 C. Delivery of the Policy ............................................................................................ GR 15 D. Assignment........................................................................................................... GR 15 E. Producers’ Commissions (Direct Business Only) ................................................ GR 16 F. Contract Agent Rule ............................................................................................. GR 16 APPLICATION ............................................................................................................................ APP1 I. USE OF THE FORM .................................................................................................... APP 1 II. BUILDING DESCRIPTION ........................................................................................... APP 1 III. SCHEDULED BUILDING POLICY ............................................................................... APP 1 IV. COMPLETING PART 1 OF THE FLOOD INSURANCE APPLICATION FORM ......... APP 1 A. Policy Status ......................................................................................................... APP 1 B. Policy Term (Billing/Policy Period) ....................................................................... APP 1 C. Agent Information ................................................................................................. APP 2 D. Insured Mail Address ........................................................................................... APP 2 E. Disaster Assistance.............................................................................................. APP 2 F. Property Location ................................................................................................. APP 2 G. First Mortgagee .................................................................................................... APP 2 TABLE OF CONTENTS (Continued) SECTION PAGE H. Second Mortgagee Or Other ................................................................................ APP 2 I. Community Rating Map Information .................................................................... APP 2 J. Current Community Map Information ................................................................... APP 3 K. State-Owned Property and Buildings on Federal Land ...................................... APP 3 L. Building ................................................................................................................. APP 3 M. Contents ............................................................................................................... APP 6 N. Construction Data ................................................................................................ APP 5 O. Coverage and Rating ........................................................................................... APP 6 P. Signature .............................................................................................................. APP 7 V. COMPLETING PART 2 OF THE FLOOD INSURANCE APPLICATION FORM ......... APP 7 Section I – All Building Types ....................................................................................... APP 8 Section II – Elevated Buildings ..................................................................................... APP 8 Section III – Manufactured (Mobile) Homes/Travel Trailers ......................................... APP 8 VI. MAILING INSTRUCTIONS ........................................................................................... APP 8 VII. HANDLING OF INCOMPLETE OR INCORRECT APPLICATIONS ............................ APP 9 RATING ...................................................................................................................................... RATE 1 I. AMOUNT OF INSURANCE AVAILABLE ..................................................................... RATE 1 II. RATE TABLES ............................................................................................................. RATE 1 III. DEDUCTIBLES ............................................................................................................ RATE 12 A. Buy-Back Deductibles .......................................................................................... RATE 12 B. Changes in Deductible Amount............................................................................ RATE 12 IV. INCREASED COST OF COMPLIANCE (ICC) COVERAGE ....................................... RATE 14 V. RATING STEPS ........................................................................................................... RATE 15 VI. PREMIUM CALCULATION .......................................................................................... RATE 16 A. Emergency Program ............................................................................................ RATE 16 B. Regular Program .................................................................................................. RATE 16 VII. KEY POINTS FOR RATING ......................................................................................... RATE 17 A. Basic Limits and Additional Limits ........................................................................ RATE 17 B. Whole Dollars ....................................................................................................... RATE 17 C. Increased Cost of Compliance (ICC) Premium .................................................... RATE 17 D. Federal Policy Fee ............................................................................................... RATE 17 E. Buildings in More Than One Flood Zone ............................................................. RATE 17 F. Different Base Flood Elevations (BFEs) Reported............................................... RATE 17 G. Flood Zone Discrepancies ................................................................................... RATE 17 H. Mortgagee on Policy--Higher Deductible Requested ........................................... RATE 17 VIII. REGULAR PROGRAM, POST-FIRM ELEVATION-RATED RISKS ............................ RATE 17 A. Elevation Difference ............................................................................................. RATE 17 B. Examples .............................................................................................................. RATE 18 C. Optional Elevation Rating..................................................................................... RATE 19 IX. PRE-FIRM ELEVATED BUILDING RATED AT PRE-FIRM RATES ............................ RATE 19 X. AR ZONE AND AR DUAL ZONE RATING ................................................................... RATE 19 TABLE OF CONTENTS (Continued) SECTION PAGE XI. POST-FIRM AO ZONE RATING .................................................................................. RATE 19 XII. POST-FIRM RATING OF ELEVATED BUILDINGS IN ZONES B, C, X, A99, AND D .................................................................................... RATE 19 XIII. REGULAR PROGRAM V ZONE POST-FIRM CONSTRUCTION ............................... RATE 19 A. Rating All V Zone Buildings .................................................................................. RATE 19 B. Zones VE and V1-V30--Enclosure Containing Machinery or Equipment Below BFE ...................................................................................... RATE 19 C. 1975-81 Post-FIRM V Zone Construction ............................................................ RATE 20 D. 1981 Post-FIRM V Zone Construction ................................................................. RATE 20 E. Elevated Buildings – Post-FIRM V Zone Construction ........................................ RATE 20 XIV. SPECIAL RATING SITUATIONS ................................................................................. RATE 21 A. Tentative Rates .................................................................................................... RATE 21 B. Alternative Rates .................................................................................................. RATE 21 C. Special Rates………………………………………………………………………….. RATE 22 D. Map "Grandfather" Rules – Effect of Map Revisions on Flood Insurance Rates .................................................................................... RATE 22 E. Post-’81 V Zone Optional Rating.......................................................................... RATE 24 F. Policies Requiring Re-Rating ............................................................................... RATE 24 G. Submit-for-Rate .................................................................................................... RATE 25 H. Crawlspace........................................................................................................... RATE 25A XV. CONTENTS LOCATION .............................................................................................. RATE 26 A. Single Family Dwellings ....................................................................................... RATE 26 B. Multi-Family and Non-Residential Buildings ........................................................ RATE 26 XVI. FIRMS WITH WAVE HEIGHTS ................................................................................... RATE 30 A. Procedure for Calculating Wave Height Adjustment ............................................ RATE 30 B. Wave Heights in Numbered Zones V1-V30 and VE 1981 Post-FIRM Construction ......................................................................................... RATE 30 C. Unnumbered V Zones 1981 Post-FIRM Construction ......................................... RATE 31 D. Rate Selection Procedure .................................................................................... RATE 31 XVII. FLOODPROOFED BUILDINGS ................................................................................... RATE 31 A. Elevation Difference ............................................................................................. RATE 31 B. Rating ................................................................................................................... RATE 31 XVIII.THE V-ZONE RISK FACTOR RATING FORM ............................................................ RATE 32 A. Use ..................................................................................................................... RATE 32 B. Submission ........................................................................................................... RATE 32 XIX. RATING EXAMPLES .................................................................................................... RATE 49 CONDOMINIUMS ..................................................................................................................... CONDO 1 I. METHODS OF INSURING CONDOMINIUMS............................................................. CONDO 1 A. Residential Condominium: Association Coverage on Building and Contents .... CONDO 1 B. Residential Condominium: Unit Owner's Coverage on Building and Contents. . CONDO 1 C. Nonresidential (Commercial) Condominium: Building and Contents .................. CONDO 1 D. Nonresidential (Commercial) Condominium: Unit Owner's Coverage (Contents) ............................................................................................ CONDO 2 II. POLICY FORM ............................................................................................................. CONDO 6 TABLE OF CONTENTS (Continued) SECTION PAGE III. ELIGIBILITY REQUIREMENTS ................................................................................... CONDO 6 A. General Building Eligibility .................................................................................... CONDO 6 B. Condominium Building in the Course of Construction ......................................... CONDO 6 IV. COVERAGE ................................................................................................................. CONDO 7 A. Property Covered ................................................................................................. CONDO 7 B. Coverage Limits ................................................................................................... CONDO 7 C. Replacement Cost................................................................................................ CONDO 7 D. Coinsurance ......................................................................................................... CONDO 7 E. Assessment Coverage ......................................................................................... CONDO 7 V. DEDUCTIBLES AND FEES ......................................................................................... CONDO 8 A. Deductibles ........................................................................................................... CONDO 8 B. Federal Policy Fee ............................................................................................... CONDO 8 VI. TENTATIVE RATES AND SCHEDULED BUILDINGS ................................................ CONDO 8 VII. COMMISSIONS (DIRECT BUSINESS ONLY) ............................................................. CONDO 8 VIII. CANCELLATION OR ENDORSEMENT OF UNIT OWNERS' DWELLING POLICIES ...................................................................... CONDO 8 IX. APPLICATION FORM .................................................................................................. CONDO 8 A. Type of Building ................................................................................................... CONDO 8 B. Replacement Cost Value .................................................................................... CONDO 9 C. Coverage .............................................................................................................. CONDO 9 D. Rates and Fees .................................................................................................... CONDO 9 X. CONDOMINIUM RATING EXAMPLES ........................................................................ CONDO 23 LOWEST FLOOR GUIDE ........................................................................................................... LFG 1 I. LOWEST FLOOR DETERMINATION .......................................................................... LFG 1 A. Non-Elevated Buildings ........................................................................................ LFG 1 B. Elevated Buildings in A Zones ............................................................................. LFG 1 C. Elevated Buildings in V Zones ............................................................................. LFG 2 II. USE OF ELEVATION CERTIFICATE .......................................................................... LFG 2A A. Mandatory Use of Elevation Certificate ................................................................ LFG 2A B. Guidelines for Determining the Conversion from NGVD 1929 to NAVD 1988 .... LFG 2A C. Optional Rating Using the Elevation Certificate ................................................... LFG 2B III. SPECIFIC BUILDING DRAWINGS .............................................................................. LFG 8 SPECIAL CERTIFICATIONS ..................................................................................................... CERT 1 I. NFIP ELEVATION CERTIFICATE ............................................................................... CERT 1 II. PHOTOGRAPH REQUIREMENTS .............................................................................. CERT 1 III. USING THE ELEVATION CERTIFICATE: SPECIAL CONSIDERATIONS ................. CERT 2 Section A – Property Information ................................................................................. CERT 2 Section B – Flood Insurance Rate Map (FIRM) Information ........................................ CERT 2 Section C – Building Elevation Information (Survey Required) .................................... CERT 2 Section D – Surveyor, Engineer, or Architect Certification........................................... CERT 3 TABLE OF CONTENTS (Continued) SECTION PAGE Section E – Building Elevation Information (Survey Not Required) for Zone AO and Zone A (Without BFE) ......................................................................... CERT 3 Section F – Property Owner (or Owner's Representative) Certification ....................... CERT 3 Section G – Community Information (Optional) ........................................................... CERT 3 IV. FLOODPROOFING CERTIFICATE ............................................................................. CERT 3 A. Purpose and Eligibility .......................................................................................... CERT 3 B. Specifications ....................................................................................................... CERT 3 C. Rating ................................................................................................................... CERT 4 D. Certification .......................................................................................................... CERT 4 PREFERRED RISK POLICY ...................................................................................................... PRP 1 I. GENERAL DESCRIPTION ........................................................................................... PRP 1 II. ELIGIBILITY REQUIREMENTS ................................................................................... PRP 1 A. Flood Zone ........................................................................................................... PRP 1 B. Occupancy ........................................................................................................... PRP 1 C. Loss History.......................................................................................................... PRP 1 III. INELIGIBILITY .............................................................................................................. PRP 2 IV. DOCUMENTATION ...................................................................................................... PRP 2 V. RENEWAL .................................................................................................................... PRP 2 VI. COVERAGE LIMITS ..................................................................................................... PRP 2 VII. REPLACEMENT COST COVERAGE .......................................................................... PRP 2 VIII. DISCOUNTS/FEES/ICC PREMIUM ............................................................................. PRP 2 IX. DEDUCTIBLES ............................................................................................................ PRP 2 X. ENDORSEMENTS ....................................................................................................... PRP 6 XI. CONVERSION OF STANDARD RATED POLICY TO PRP DUE TO MISRATING ..... PRP 6 XII. CONVERSION OF STANDARD RATED POLICY TO PRP DUE TO MAP REVISION, LOMA, OR LOMR .......................................................................... PRP 6 XIII. CONVERSION OF PRP TO STANDARD RATED POLICY ........................................ PRP 6 XIV. COMPLETING THE FLOOD INSURANCE PREFERRED RISK POLICY APPLICATION ............................................................... PRP 7 A. Policy Status ......................................................................................................... PRP 7 B. Policy Term .......................................................................................................... PRP 7 C. Agent Information ................................................................................................. PRP 7 D. Insured’s Mailing Address .................................................................................... PRP 7 E. Disaster Assistance.............................................................................................. PRP 7 F. First Mortgagee .................................................................................................... PRP 7 G. Second Mortgagee or Other ................................................................................. PRP 7 H. Property Location ................................................................................................. PRP 7 I. Community ........................................................................................................... PRP 8 J. Building and Contents .......................................................................................... PRP 8 K. Notice ................................................................................................................... PRP 8 L. Premium ............................................................................................................... PRP 8 M. Signature .............................................................................................................. PRP 8 LIST OF TABLES (Continued) SECTION/TABLE PAGE CANCELLATION/NULLIFICATION Processing Outcomes for Cancellation/Nullification of a Flood Insurance Policy .................. CN 9 FLOOD MAPS MSC Products, Services, and Fees ...................................................................................... MAP 5 COASTAL BARRIER RESOURCES SYSTEM List of Communities ................................................................................................................ CBRS 3 COMMUNITY RATING SYSTEM CRS Premium Discounts ....................................................................................................... CRS 1 Eligible Communities .............................................................................................................. CRS 2 GUIDANCE FOR LEASED FEDERAL PROPERTIES Tentative Rates Table ............................................................................................................ LFP 3 LIST OF ILLUSTRATIONS SECTION/ILLUSTRATION PAGE APPLICATION Flood Insurance Application – Part 1 .................................................................................... APP 11 Flood Insurance Application – Part 2 .................................................................................... APP 12 RATING V-Zone Risk Factor Rating Form and Instructions ................................................................. RATE 35 CONDOMINIUMS Sample RCV Notification Letter ............................................................................ ………….CONDO 9A LOWEST FLOOR GUIDE Lowest Floor Determination Guide ......................................................................................... LFG 3 SPECIAL CERTIFICATIONS Residential Basement Floodproofing Certificate ................................................................... CERT 7 Floodproofing Certificate for Non-Residential Structures ...................................................... CERT 9 Elevation Certificate and Instructions – 2009 Edition ............................................................ CERT 11 Elevation Certificate and Instructions – 2006 Edition ............................................................ CERT 27 PREFERRED RISK POLICY Flood Insurance Preferred Risk Policy Application ............................................................... PRP 9 GENERAL CHANGE ENDORSEMENT Flood Insurance General Change Endorsement .................................................................... END 13 POLICY RENEWALS Renewal Notice ..................................................................................................................... REN 4 Final Notice…… .................................................................................................................... REN 6 Credit Card Payment Form .................................................................................................... REN 8 CANCELLATION/NULLIFICATION Flood Insurance Cancellation/Nullification Request Form ..................................................... CN 10 POLICY Standard Flood Insurance Policy – Dwelling Form ............................................................... POL 3 Standard Flood Insurance Policy – General Property Form ................................................. POL 23 Standard Flood Insurance Policy – Residential Condominium Building Association Policy ................................................................................................................................... POL 43 FLOOD MAPS Sample Flood Insurance Rate Map (FIRM) .......................................................................... MAP 7 Sample Flood Hazard Boundary Map (FHBM) ..................................................................... MAP 8 NFIP SERVICING AGENT CONTACT INFORMATION FOR NFIP DIRECT PROGRAM AGENTS The contact information below is for use only by agents/producers who write with the NFIP Direct Program— the NFIP Servicing Agent. Agents/producers who write with the NFIP Write Your Own (WYO) Program must submit materials and questions to their WYO Companies. CORRESPONDENCE TYPE MAILING ADDRESS TELEPHONE & FAX NUMBERS* -Applications (not Submit-for Rate) NFIP Servicing Agent P.O. Box 29138 Shawnee Mission, KS 66201-9138 Phone 1-800-638-6620 Fax 1-800-742-3148 -Endorsements -Cancellations NFIP Servicing Agent P.O. Box 2992 Shawnee Mission, KS 66201-1392 Phone 1-800-638-6620 Fax 1-800-742-3148 -Submit-for-Rate Applications (See pages RATE 25-25A) -Underpayment Letters -Underwriting Inquiries and Issues -All Other Inquiries NFIP Servicing Agent P.O. Box 2965 Shawnee Mission, KS 66201-1365 Phone 1-800-638-6620 Fax 1-800-742-3148 -Severe Repetitive Loss Properties NFIP Special Direct Facility P.O. Box 29524 Shawnee Mission, KS 66201-5524 Phone 1-800-638-6620 Fax 1-800-742-3148 -Renewal Notices (with premium payments) -Expiration Notices (with premium payments) National Flood Insurance Program P.O. Box 70936 Charlotte, NC 28272-0936 Phone 1-800-638-6620 Fax 1-800-742-3148 -Notices of Loss -Written Claims Inquiries -All Other Claims Correspondence NFIP Servicing Agent P.O. Box 2966 Shawnee Mission, KS 66201-1366 Phone 1-800-767-4341 Fax 1-800-767-5574 -Overnight Express Deliveries -Certified Mail NFIP Servicing Agent c/o Covansys 13401 W. 98th St. Lenexa, KS 66215 N/A *Telecommunication Device for the Deaf (TDD) 1-800-447-9487 REF 3 October 1, 2010 NFIP GENERAL CONTACT INFORMATION FOR ALL NFIP STAKEHOLDERS TOPIC MAIL, E-MAIL & WEBSITE ADDRESSES TELEPHONE & FAX NUMBERS* Agent Referral Program Information & Sign-up Form https://agents.floodsmart.gov Phone 1-888-786-7693 CBRS Areas – Map Panel Listing http://www.fema.gov/business/nfip/cbrs/cbrs.shtm N/A Community Status Book (order hardcopy or CD-ROM, or download PDF) FEMA Map Service Center P.O. Box 1038 Jessup, MD 20794-1038 http://www.fema.gov/fema/csb.shtm Phone 1-877-336-2627 Fax 1-800-358-9620 FEMA Information Resource Library, Multimedia http://www.fema.gov/library/index.jsp N/A Flood Insurance Manual (order hardcopy or CD-ROM, or download PDF) FEMA Map Service Center P.O. Box 1038 Jessup, MD 20794-1038 http://www.fema.gov/business/nfip/manual.shtm Phone 1-877-336-2627 Fax 1-800-358-9620 Flood Map Information from FEMA Map Specialists on: - Letters of Map Change - Other Technical Issues FEMA Map Assistance Center 3601 Eisenhower Avenue, Suite 600 Alexandria, VA 22304 femamapspecialist@mapmodteam.com Phone 1-877-336-2627 Flood Maps, Flood Insurance Studies, and Q3 Data (order hardcopy or CD-ROM) FEMA Map Service Center P.O. Box 1038 Jessup, MD 20794-1038 http://msc.fema.gov Phone 1-877-336-2627 Fax 1-800-358-9620 Flood Zone Determination Companies, List of http://www.fema.gov/business/nfip/fzone1.shtm N/A General Information for Agents & Consumers http://www.floodsmart.gov/floodsmart/pages/index.jsp N/A Supply Order Forms (bulk hardcopy orders): - Claims & Underwriting - Public Awareness Materials FEMA Distribution Center P.O. Box 2012 Jessup, MD 20794-2012 Phone 1-800-480-2520 Fax 1-301-362-5335 Training on Flood Insurance http://www.fema.gov/business/nfip/wshops.shtm; http://www.nfipbureau.fema.gov/training/index.html N/A Watermark & e-Watermark Newsletters http://www.fema.gov/business/nfip/wm.shtm; http://watermark.nfipstat.com/index.htm N/A Write Your Own (WYO) Companies, List of http://www.fema.gov/nfipInsurance/companies.jsp Phone 1-800-480-2520 (item 073, “The Choice Is Yours”) *Telecommunication Device for the Deaf (TDD) 1-800-447-9487 REF 4 October 1, 2010 NATIONAL FLOOD INSURANCE PROGRAM BUREAU AND STATISTICAL AGENT REGIONAL OFFICES The National Flood Insurance Program's Bureau and Statistical Agent operates a network of regional offices within the continental United States. The regional staff may be able to assist with problems and answer questions of a general nature. However, the regional offices do not handle processing, nor do they have policy files at their locations. The latest contact information for both NFIP Bureau and Statistical Agent and FEMA regional offices is available at http://www.fema.gov/about/contact/regions.shtm. NFIP BUREAU AND NFIP BUREAU AND STATISTICAL AGENT STATISTICAL AGENT REGIONAL OFFICES REGIONAL STAFF SERVICE AREA iService Headquarters 8400 Corporate Dr., Suite 350 Landover, MD 20785 Phone: 301-386-6313 Fax: 301-577-3496 Region I P.O. Box 2156 Merrimack, NH 03054 Phone: 603-423-0470 Fax: 603-423-0395 Region II P.O. Box 7342 Penndel, PA 19047 Phone: 816-509-1949 Region III P.O. Box 7342 Penndel, PA 19047 Phone: 267-560-5057 Fax: 267-560-5057 Region IV P.O. Box 1046 Zephyrhills, FL 33539-1049 Phone: 813-788-2624 Fax: 813-788-2710 Harry Butler Regional Support Lead Cell: 410-733-1233 hbutler@ostglobal.com Robert Desaulniers Regional Manager Cell: 713-252-6779 rdesaulniers@ostglobal.com Thomas Kustelski Regional Manager Cell: 816-509-1949 tkustelski@ostglobal.com Walter McGuckin Regional Manager Cell: 301-467-8103 wmcguckin@ostglobal.com Lynne Magel Regional Manager Cell: 813-404-8782 lmagel@ostglobal.com Nationwide Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island,Vermont New Jersey, New York, Puerto Rico, Virgin Islands Delaware, District of Columbia, Maryland, Pennsylvania, Virginia, West Virginia Alabama, Georgia, Kentucky, Mississippi, North Carolina, South Carolina, Tennessee, Florida 1000 Abernathy Road NE, Suite 900 David Clukie Alabama, Georgia, Kentucky, Atlanta, GA 30328-5648 Regional Liaison Mississippi, North Carolina, South Phone: 678-808-8983 Cell: 813-767-5355 Carolina, Tennessee, Florida Fax: 678-808-8400 dclukie@ostglobal.com NFIP BUREAU AND NFIP BUREAU AND STATISTICAL AGENT STATISTICAL AGENT REGIONAL OFFICES REGIONAL STAFF SERVICE AREA Region V 100 S. Wacker Dr., Suite 500 Chicago, IL 60606 Phone: 312-596-6728 Fax: 312-939-4198 Region VI P.O. Box 561356 The Colony, TX 75056 Phone: 214-618-1092 Fax: 214-618-1092 P.O. Box 561356 The Colony, TX 75056 Phone: 214-618-1092 Fax: 214-618-1092 Region VII 8300 College Blvd., Suite 200 Overland Park, KS 66210 Phone: 913-344-1194 Fax: 913-344-1011 Region VIII 999 18th Street, Suite 900 Denver, CO 80202 Phone: 303-299-7873 Fax: 303-293-8585 Region IX 1333 Broadway, Suite 800 Oakland, CA 94612-1942 Phone: 510-874-1755 Fax: 510-874-3268 Region X 1501 4th Ave., Suite 1400 Seattle, WA 98101 Phone: 206-438-2607 Fax: 206-438-2699 Richard Roths Regional Manager Cell: 630-309-0384 rroths@ostglobal.com Mark Lujan Regional Manager Cell: 425-417-3159 mlujan@ostglobal.com Vearl Wolverton Regional Liaison Cell: 301-509-2756 vwolverton@ostglobal.com Monique Pilch Regional Manager Cell: 816-509-7732 mpilch@ostglobal.com Erin May Regional Manager Cell: 303-550-3658 emay@ostglobal.com Adam Lizarraga Regional Manager Cell: 301-467-7291 alizarraga@ostglobal.com Kristin Minich Regional Manager kminich@ostglobal.com Illinois, Indiana, Michigan, Minnesota, Ohio, Wisconsin Arkansas, Louisiana, New Mexico, Oklahoma, Texas Arkansas, Louisiana, New Mexico, Oklahoma, Texas Iowa, Kansas, Missouri, Nebraska Colorado, Montana, North Dakota, South Dakota, Utah, Wyoming Arizona, California, Guam, Hawaii, Nevada Alaska, Idaho, Oregon, Washington PAPERWORK BURDEN DISCLOSURE NOTICE GENERAL — This information is provided pursuant to Public Law 96-511 (Paperwork Reduction Act of 1980, as amended), dated December 11, 1980, to allow the public to participate more fully and meaningfully in the Federal paperwork review process. AUTHORITY — Public Law 96-511, amended; 44 U.S.C. 3507; and 5 CFR 1320 DISCLOSURE OF BURDEN — Public reporting burden for the collection of information entitled "National Flood Insurance Program Policy Forms," is estimated to average 10 minutes per response, excluding the V-Zone Risk Factor Rating Form. The estimated burden includes the time for reviewing instructions, searching existing data sources, gathering and maintaining the data needed, and completing and reviewing the forms. Reporting burden for these forms, as part of this collection, is listed below. Send comments regarding the burden estimate or any aspect of the collection, including suggestions for reducing the burden, to: U.S. Department of Homeland Security, Federal Emergency Management Agency, 500 C Street, S.W., Washington, D.C. 20472, Paperwork Reduction Project (1660-0006). NOTE: Do not send completed forms to this address. PRIVACY ACT — The information requested is necessary to process these forms for flood insurance. The authority to collect the information is Title 42, U.S. Code, Sections 4001 to 4028. Furnishing the information is voluntary. It will not be disclosed outside the Federal Emergency Management Agency except to the servicing office acting as the government's fiscal agent, to routine users, agents and mortgagees named on policies. FEMA FORM NUMBER TITLE BURDEN HOURS 086-0-1 Application for Flood Insurance (New) 12.00 Minutes 086-0-1 Application for Flood Insurance (Renewal) 7.50 Minutes 086-0-2 Cancellation/Nullification Request 7.50 Minutes 086-0-3 General Change Endorsement (w/Premium) 9.00 Minutes 086-0-3 General Change Endorsement (w/o Premium) 9.00 Minutes 086-0-4 V-Zone Risk Factor Rating 6.50 Hours 086-0-5 Preferred Risk Policy Application 8.00 Minutes B. Contents Coverage Parts and equipment as open stock—not part of specific vehicle or motorized equipment—are eligible for coverage. C. Condominiums Refer to pages CONDO 3-5. VI. INELIGIBLE PROPERTY A. Buildings Coverage may not be available for buildings that are constructed or altered in such a way as to place them in violation of state or local floodplain management laws, regulations, or ordinances. Contents and personal property contained in these buildings are ineligible for coverage. For example, section 1316 of the National Flood Insurance Act of 1968 allows the states to declare a structure to be in violation of a law, regulation, or ordinance. Flood insurance is not available for properties that are placed on the 1316 Property List. Insurance availability is restored once the violation is corrected and the 1316 Declaration has been rescinded. B. Container-Type Buildings Gas and liquid tanks, chemical or reactor container tanks or enclosures, brick kilns, and similar units, and their contents are ineligible for coverage. C. Buildings Entirely Over Water Buildings newly constructed or substantially improved on or after October 1, 1982, and located entirely in, on, or over water or seaward of mean high tide are ineligible for coverage. D. Buildings Partially Underground If 50 percent or more of the building's actual cash value, including the machinery and equipment, which are part of the building, is below ground level, the building or units and their contents are ineligible for coverage unless the lowest level is at or above the BFE and is below ground by reason of earth having been used as insulation material in conjunction with energy efficient building techniques. E. Basement/Elevated Building Enclosures Certain specific property in basements and under elevated floors of buildings is excluded from coverage. See the policy contract for specific information. VII. EXAMPLES OF INELIGIBLE RISKS Some specific examples of ineligible risks are provided below. See the policy for a definitive listing of property not covered. A. Building Coverage 1. Boat Repair Dock 2. Boat Storage Over Water 3. Boathouses (exceptions on page GR 4) 4. Camper 5. Cooperative Unit Within Cooperative Building 6. Decks (except for steps and landing; maximum landing area of 16 sq. ft.) 7. Drive-In Bank Teller Unit (located outside walls of building) 8. Fuel Pump 9. Gazebo (unless it qualifies as a building) 10. Greenhouse (unless it has at least two rigid walls and a roof) 11. Hot Tub or Spa (unless it is installed as a bathroom fixture) 12. Open Stadium 13. Pavilion (unless it qualifies as a building) 14. Pole Barn (unless it qualifies as a building) 15. Pumping Station (unless it qualifies as a building) 16. Storage Tank--Gasoline, Water, Chemicals, Sugar, etc. 17. Swimming Pool Bubble 18. Swimming Pool (indoor or outdoor) 19. Tennis Bubble 20. Tent 21. Time Sharing Unit Within Multi-Unit Building 22. Travel Trailer (unless converted to a permanent on-site building meeting the community's floodplain management permit requirements) 23. Water Treatment Plant (unless 51 percent of its actual cash value is above ground) B. Contents Coverage 1. Automobiles—Including Dealer's Stock (assembled or not) 2. Bailee's Customer Goods--Including garment contractors, cleaners, shoe repair shops, processors of goods belonging to others, and similar risks 3. Contents Located in a Structure Not Eligible for Building Coverage 4. Contents Located in a Building Not Fully Walled and/or Contents Not Secured Against Flotation 5. Motorcycles--Including Dealer's Stock (assembled or not) 6. Motorized Equipment--Including Dealer's Stock (assembled or not) C. Non-Residential Condominium Unit The owner of a non-residential condominium unit cannot purchase a unit owner's policy. The association can purchase a condominium association policy to cover the entire building. Contents-only coverage may be purchased by the unit owner. VIII. POLICY EFFECTIVE DATE A. Evidence of Insurance A copy of the Flood Insurance Application and premium payment, or a copy of the declarations page, is sufficient evidence of proof of purchase for new policies. The NFIP does not recognize binders. However, the NFIP recognizes Certificates of Property Insurance or Evidence of Insurance forms provided for renewal policies if the following information is included: . Policy Form/Type (GP, DP, RCBAP*, PRP) . Policy Term . Policy Number . Insured’s Name and Mailing Address . Property Location . Flood Risk Zone . Grandfathered: Y/N . Mortgagee Name and Address . Coverage Limits; Deductibles . Annual Premium * For an RCBAP, include the number of units and RCV of the building. B. Start of Waiting Period There is a standard 30-day waiting period for new applications and for endorsements to increase coverage. 1. If the application or endorsement form and the premium payment are received at the NFIP within 10 days from the date of application or endorsement request, or if mailed by certified mail within 4 days from the date of application or endorsement request, then the waiting period will be calculated from the application or endorsement date. Use the application date or endorsement date plus 9 days to determine if the application or endorsement and premium payment were received within 10 days. When sent by certified mail, use the application date or endorsement date plus 3 days to determine if the application or endorsement and premium payment were mailed within 4 days. 2. If the application or endorsement form and the premium payment are received at the NFIP after 10 days from the date of application or endorsement request, or are not mailed by certified mail within 4 days from the date of application or endorsement request, then the waiting period will be calculated from the date the NFIP receives the application or endorsement. As used in VIIl.B.1. and 2. above, the term “certified mail” extends to not only the U.S. Postal Service but also certain third-party delivery services. Acceptable third-party delivery services include Federal Express (FedEx), United Parcel Service (UPS), and courier services and the like that provide proof of mailing. Third-party delivery is acceptable if the delivery service provides documentation of the actual mailing date and delivery date to the NFIP insurer. Bear in mind that third-party delivery services deliver to street addresses but cannot deliver to U.S. Postal Service post office boxes. C. Presentment of Premium Date Requirements for Loan Closing FEMA requires the Write-Your-Own companies and the NFIP Servicing Agent to record the presentment of premium date, the closing date and, the premium payer (insured, lender, title company, settlement attorney, etc.). The NFIP rules allow the policy to be effective at closing provided that the coverage is applied for at or before the closing and the premium is received by the writing company within 10 days of the closing date. Presentment of premium is defined as: 1. The date of the check or credit card payment by the applicant or the applicant’s representative if the premium payment is not part of a loan closing. 2. The date of the closing, if the premium payment is part of a loan closing. For a loan closing, premium payment from the escrow account (lender’s check), title company, or settlement attorney is considered made at closing, if the premium is received by the writing company within 30 days of the closing date. NOTE: An agency check may be used if settlement paperwork or a photocopy of the original check from the lender, title company, or settlement attorney is provided as documentation. If the premium payment is not part of the closing, the closing date is the effective date only if the application date is on or before the closing and the payment is received by the writing company within 10 days of the closing date. D. Effective Date 1. New Policy – Standard 30-Day Waiting Period The effective date of a new policy will be 12:01 a.m., local time, on the 30th calendar day after the application date and the presentment of premium. (Example: a policy applied for on May 3 will become effective 12:01 a.m., local time, on June 2.) The effective date of coverage is subject to the waiting period rule listed under B.1 or B.2 above. 2. New Policy – No Waiting Period (in connection with making, increasing, extending, or renewing a loan, whether conventional or otherwise) Flood insurance that is initially purchased in connection with the making, increasing, extending, or renewal of a loan shall be effective at the time of loan closing, provided that the policy is applied for and the presentment of premium is made at or prior to the loan closing. (Example: presentment of premium and application date--April 3, refinancing--April 3 at 3:00 p.m., policy effective date--April 3 at 3:00 p.m.). Use the rules below to determine the effective date. 1. Premium payment from the escrow account (lender’s check), title company, or settlement attorney is considered made at closing if the check is received by the writing company within 30 days of the closing date (closing date plus 29 days) and the application is dated on or before the closing date. If received after 30 days, the effective date is the receipt date regardless of flood zone. 2. If premium payment is from other than escrow account (lender’s check), title company, or settlement attorney, and the application is dated on or before the loan closing date, the effective date is the closing date if the application and premium are received within 10 days of the closing date (closing date plus 9 days). If received after 10 days, the effective date is the receipt date regardless of flood zone. If a loss occurs during the first 30 days of the policy period, the insurer must obtain documentation, such as settlement papers, to verify the effective date of the policy before adjusting the loss. 3. New Policy – No Waiting Period (in connection with lender requirement) The 30-day waiting period does not apply when flood insurance is required as a result of a lender determining that a loan on a building in a Special Flood Hazard Area (SFHA) that does not have flood insurance coverage should be protected by flood insurance. The coverage is effective upon the completion of an application and the presentment of payment of premium. Buildings currently located in an SFHA but grandfathered to a non-SFHA for rating are eligible for this exception to the standard 30­day waiting period. This rule also applies to buildings in SFHAs that are eligible for coverage under the 2-year PRP eligibility extension. (See page PRP 1.) (Example: presentment of premium and application date—April 3, policy effective date--April 3.) The waiting period rule listed under B.1 or B.2 must be used. If a loss occurs during the first 30 days of the policy period, the insurer must obtain a copy of the letter requiring mandatory purchase, to verify the effective date of the policy before adjusting the loss. The letter must be dated on or before the policy effective date. 4. New Policy – 1-Day Waiting Period (when the initial purchase of flood insurance is in connection with the revision or updating of a Flood Hazard Boundary Map or Flood Insurance Rate Map) During the 13-month period beginning on the effective date of the map revision, the effective date of a new policy shall be 12:01 a.m., local time, following the day after the application date and the presentment of premium. This rule only applies where the Flood Hazard Boundary Map (FHBM) or Flood Insurance Rate Map (FIRM) is revised to show the building to be in a Special Flood Hazard Area (SFHA) when it had not been in an SFHA. (Example: FIRM revised--January 1, 2009, policy applied for and presentment of premium—August 3, 2009, policy effective date—August 4, 2009.) The waiting period rule listed under B.1 or B.2 above must be used. This rule applies to all property owners including condominium associations. If a loss occurs during the first 30 days of the policy period, the insurer must obtain documentation, such as a copy of the previous and current map or other documentation confirming the map revision or update, to verify the effective date of the policy before adjusting the loss. 5. New Policy – No Waiting Period (in connection with the purchase of an RCBAP) When a condominium association is purchasing a Residential Condominium Building Association Policy (RCBAP), the 30-day waiting period does not apply if the condominium association is required to obtain flood insurance as part of the security for a loan under the name of the condominium association. The coverage is effective upon completion of an application and presentment of premium. The waiting period rule listed under B.1 or B.2 applies unless the premium payment was made from the escrow account (lender’s check), title company, or settlement attorney. If a loss occurs during the first 30 days of the policy period, the insurer must obtain documentation, such as settlement papers, to verify the effective date of the policy before adjusting the loss. 6. New Policy (Submit-for-Rate application) With three exceptions (described below), the effective date of a new policy will be 12:01 a.m., local time, on the 30th calendar day after the presentment of premium. The three exceptions are as follows. First, there is no waiting period if the initial purchase of flood insurance on a submit-for­rate application is in connection with making, increasing, extending, or renewing a loan, provided that the policy is applied for and the presentment of premium is made at or prior to the loan closing. The waiting period rule listed under B.1 or B.2 applies unless the premium payment was made from the escrow account (lender’s check), title company, or settlement attorney. If a loss occurs during the first 30 days of the policy period, the insurer must obtain documentation, such as settlement papers, to verify the effective date of the policy before adjusting the loss. Second, the 30-day waiting period does not apply when flood insurance is required as a result of a lender determining that a loan which does not have flood insurance coverage should be protected by flood insurance, because the building securing a loan is located in an SFHA. The coverage is effective upon the completion of an application and the presentment of payment of premium. This exemption from the 30-day waiting period applies only to loans in SFHAs, i.e., those loans for which the statute requires flood insurance. The waiting period rule listed under B.1 or B.2 above does not apply. If a loss occurs during the first 30 days of the policy period, the insurer must obtain documentation, such as a copy of the letter requiring mandatory purchase, to verify the effective date of the policy before adjusting the loss. Third, during the 13-month period beginning on the effective date of a map revision, the effective date of a new policy shall be 12:01 a.m., local time, following the day after the date the increased amount of coverage is applied for and the presentment of additional premium is made. This rule applies only on an initial purchase of flood insurance where the Flood Hazard Boundary Map (FHBM) or Flood Insurance Rate Map (FIRM) is revised to show the building to be in an SFHA when it had not been in an SFHA. The waiting period rule listed under B.1 or B.2 must be applied. If a loss occurs during the first 30 days of the policy period, the insurer must obtain documentation, such as a copy of the previous and current map or other documentation confirming the map revision or update, to verify the effective date of the policy before adjusting the loss. 7. New Policy (rewrite Standard to PRP) The 30-day waiting period does not apply when an insured decides to rewrite the existing policy at the time of renewal from Standard to a Preferred Risk Policy (PRP), provided that the selected PRP coverage limit amount is no higher than the next highest PRP amount above that which was carried on the Standard policy using the highest of building and contents coverage. In those cases where the Standard policy has only building coverage and is rewritten as a PRP that includes contents coverage, the 30-day waiting period applies. If the Standard policy has only contents coverage and is rewritten as a contents-only PRP, the 30-day waiting period does not apply. However, when converting a standard-rated policy to a PRP due to the 2-year PRP eligibility extension, the 30-day waiting period will not apply if the standard-rated policy has only building coverage and is rewritten as a PRP that includes contents coverage. In addition, if the structure is no longer eligible under the PRP or the insured decides to rewrite the existing PRP at renewal time to a Standard policy, the 30­day waiting period does not apply provided the coverage limit amount is no more than the previous PRP coverage amount or the next higher PRP amount above that. 8. New Policy (contents only) Unless the contents are part of the security for a loan, the 30-day waiting period applies to the purchase of contents-only coverage. 9. New Policy (documentation required) The insurer may rely on an agent’s representation on the application that the loan exception applies unless there is a loss during the first 30 days of the policy period. In that case, the insurer must obtain documentation of the loan transaction, such as settlement papers, to verify the effective date of the policy before adjusting the loss. 10. Community Participation Date (Community's Initial Entry or Conversion from Emergency to Regular Program) Process according to rules 1 through 9 above and 11 below. 11. Endorsements With two exceptions (described below), the effective date for a new coverage or an increase in limits on a policy in force shall be 12:01 a.m., local time, on the 30th calendar day following the date of endorsement and the presentment of additional premium, or on such later date set by the insured to conform with the reason for the change. The waiting period rule listed under B.1 or B.2 above must be used. The two exceptions are as follows. First, during the 13-month period beginning on the effective date of a map revision, the effective date of an endorsement of an existing policy shall be 12:01 a.m., local time, following the day after the application date and the presentment of premium. This rule applies only where the FHBM or FIRM is revised to show the building to be in an SFHA when it had not been in an SFHA. The waiting period rule listed under B.1 or B.2 above does not apply. Second, the 30-day waiting period does not apply when the additional amount of flood insurance is required in connection with the making, increasing, extending, or renewing of a loan, such as a second mortgage, home equity loan, or refinancing. The increased amount of flood coverage shall be effective at the time of loan closing, provided that the increased amount of coverage is applied for and the presentment of additional premium is made at or prior to the loan closing. The waiting period rule listed under B.1 or B.2 above does not apply. The insurer may rely on an agent’s representation on the endorsement that the loan exception applies unless there is a loss during the first 30 days after the endorsement effective date. In that case, the insurer must obtain documentation of the loan transaction, such as settlement papers, before adjusting the loss. 12. Renewals with inflation increase option The 30-day waiting period does not apply when an additional amount of insurance is requested at renewal time that is no more than the amount of increase recommended by the insurer on the renewal bill to keep pace with inflation. If a revised renewal offer results from an endorsement that increases coverage more than the previously offered inflation increase option and becomes effective at least 30 days before renewal, the revised limits will apply at policy renewal. The revised renewal offer must be generated at least 30 days before the policy renewal in order for these revised limits to take effect at renewal. In either situation, the increased amount of coverage will be effective at 12:01 a.m. on the date of policy renewal provided the premium for the increased coverage is received before the expiration of the grace period. 13. Renewals with higher PRP limits The waiting period does not apply to a renewal offer to the insured for the next higher limits available under the PRP. 14. Renewals with deductible reduction The 30-day waiting period does not apply to a reduction of the deductible effective as of the renewal date. IX. COVERAGE A. Limits of Coverage Coverage may be purchased subject to the maximum limits of coverage available under the Program phase in which the community is participating. Duplicate policies are not allowed. See page RATE 1 for additional information regarding coverage limits. B. Deductibles Deductibles apply separately to building coverage and to contents coverage. See pages RATE 12 and RATE 13 for deductible options and factors. C. Coverage D – Increased Cost of Compliance (ICC) Coverage For all new and renewal policies effective on or after May 1, 2003, the ICC limit of liability is $30,000. The Standard Flood Insurance Policy (SFIP) pays for complying with a State or local floodplain management law or ordinance affecting repair or reconstruction of a structure suffering flood damage. Compliance activities eligible for payment are: elevation, floodproofing, relocation, or demolition (or any combination of these activities) of the insured structure. Eligible floodproofing activities are limited to non­residential structures and residential structures with basements that satisfy FEMA's standards published in the Code of Federal Regulations [44 CFR 60.6 (b) or (c)]. ICC coverage is mandatory for all SFIPs, except that coverage is not available for: 1. Policies issued or renewed in the Emergency Program. 2. Condominium units, including townhouse/ rowhouse condominium units. (The condominium association is responsible for complying with mitigation requirements.) 3. Group Flood Insurance Policies. 4. Appurtenant structures, unless covered by a separate policy. ICC coverage contains exclusions in addition to those highlighted here. See the policy for a list of exclusions. To be eligible for claim payment under ICC, a structure must: a. Be a repetitive loss structure as defined, for which NFIP paid a previous qualifying claim, in addition to the current claim. The state or community must have a cumulative, substantial damage provision or repetitive loss provision in its floodplain management law or ordinance being enforced against the structure; OR b. Be a structure that has sustained substantial flood damage. The state or community must have a substantial damage provision in its floodplain management law or ordinance being enforced against the structure. The ICC premium is not eligible for the deductible discount. First calculate the deductible discount, then add in the ICC premium for each policy year. D. Reduction of Coverage Limits or Reformation In the event that the premium payment received is not sufficient to purchase the amounts of insurance requested, the policy shall be deemed to provide only such insurance as can be purchased for the entire term of the policy for the amount of premium received. With two exceptions, where the discovery of insufficient premium or incomplete rating information is discovered after a loss, the complete provisions for reduction of coverage limits or reformation are described in: . Dwelling Form, section VII, paragraph G. . General Property Form, section VII, paragraph G. . Residential Condominium Building Asso­ ciation Policy (RCBAP), section VIII, paragraph G. The property must be insured using the correct SFIP form in order for these two exceptions to apply. The two exceptions are following and apply only when after a loss it is discovered that the premium is insufficient to provide the coverage requested, or there is critical rating information missing that is necessary to properly rate the policy: 1. Any additional premium due will be calculated prospectively from the date of discovery; and 2. The automatic reduction in policy limits is effective the date of discovery. This will provide policyholders with the originally requested limits at the time of a claim arising before the date of discovery without paying any additional premium. Policyholders will have 30 days to pay the additional premium due, or 60 days to obtain additional information and then 30 days to pay the additional premium due, for the remainder of the policy term to restore the originally requested limits without a waiting period. In addition, payment of the claim will not be delayed because of additional information needed to calculate the correct payment. If a claim occurs after the notice requesting additional information or additional premium due is sent to the policyholder, that claim cannot be processed with the originally requested amount of coverage until the information, if required, and the premium are received by the company within the required time. However, all claim payments will be based on the coverage provided in accordance with the correct flood zone for the building location and not on the zone shown on the flood policy if it is in error. For example, if a policy for a Post-FIRM, elevated building is written incorrectly in a non-Special Flood Hazard Area, Zone X, and at the time of the loss the property is determined to be located in Zone AE, then the claim is paid in accordance with the coverage limitations applicable to Zone AE. E. Loss Assessments The SFIP provides limited coverage for loss assessments against condominium unit owners for flood damage to common areas of any building owned by the condominium association. The RCBAP does not provide assessment coverage. The Dwelling Form provides assessment coverage only under the circumstances, and to the extents, described below. 1. No RCBAP . If the unit owner purchases building coverage under the Dwelling Form and there is no RCBAP, the Dwelling Form responds to a loss assessment against the unit owner for damages to common areas, up to the building coverage limit under the Dwelling Form. . If there is damage to building elements of the unit as well, the building coverage limit under the Dwelling Form may not be exceeded by the combined settlement of unit building damages, which would apply first, and the loss assessment. 2. RCBAP Insured to at Least 80 Percent of the Building Replacement Cost . If the unit owner purchases building coverage under the Dwelling Form and there is an RCBAP insured to at least 80 percent of the building replacement cost at the time of loss, the loss assessment coverage under the Dwelling Form will pay that part of a loss that exceeds 80 percent of the association’s building replacement cost. . The loss assessment coverage under the Dwelling Form will not cover the association’s policy deductible purchased by the condominium association. . If there is damage to building elements of the unit as well, the Dwelling Form pays to repair unit building elements after the RCBAP limits that apply to the unit have been exhausted. The coverage combination cannot exceed the building coverage limit under the Dwelling Form. 3. RCBAP Insured to Less than 80 Percent of the Building Replacement Cost . If the unit owner purchases building coverage under the Dwelling Form and there is an RCBAP insured to less than 80 percent of the building replacement cost at the time of loss, the loss assessment coverage cannot be used to reimburse the association for its coinsurance penalty. . The covered damages to the condo­minium association building must be greater than 80 percent of the building replacement cost at the time of loss before the loss assessment coverage becomes available under the Dwelling Form. Covered repairs to the unit, if applicable, would have priority over loss assessments. For more information on this topic, see “E. Assessment Coverage” on page CONDO 7 and Section III. C. 3. of the Dwelling Form, “Condominium Loss Assessments,” on page POL 8. F. Improvements and Betterments and Tenant’s Coverage Under the Standard Flood Insurance Policy, coverage for improvements and betterments is provided for tenants who have purchased personal property coverage. The maximum amount payable for this coverage, which applies to fixtures, alterations, installations, or additions made or acquired solely at the tenant’s expense and comprising part of an insured building, is 10 percent of the personal property limit of liability shown on the Declarations Page. Use of improvements and betterments coverage reduces the amount of coverage available for personal property. A tenant may purchase higher limits of coverage for improvements and betterments under the building coverage if the lease agreement with the building owner: . Requires that the tenant purchase insurance coverage for the tenant’s improvements and betterments that are made or acquired; and . States that the tenant is responsible for the repair of the building and/or improvements and betterments that become damaged. Duplicate coverage is not permitted under the NFIP, so only one policy can be issued for building coverage, and the amount of building coverage cannot exceed the maximum allowable under the Act. The policy may be issued either in the name of the building owner or in the names of the building owner and the tenant. X. SPECIAL RATING SITUATIONS A. Tentative Rates Tentative rates are applied when producers are unable to provide all required underwriting information necessary to rate the policy. Tentatively rated policies cannot be endorsed to increase coverage limits or renewed for another policy term until required actuarial rating information and full premium payment are received by the NFIP. If a loss occurs on a tentatively rated policy, the loss payment will be limited by the amount of coverage that the premium initially submitted will purchase (using the correct actuarial rating information), and not the amount requested by application (see Tentative Rates on page RATE 21). B. Submit-For-Rate Some risks, because of their unique underwriting characteristics, cannot be rated using this manual. Certain risks must be submitted to the NFIP Underwriting Unit to determine the appropriate rate. Refer to page GR 10 for the applicable waiting period. Submit-for-rate policies must be re-rated annually using the newest rates. If the NFIP Direct or WYO company does not have all the underwriting information, it must request the missing information from the insured in order to properly rate the risk. Pre-FIRM risks may not be rated using the submit-for-rate process except for buildings with subgrade crawlspaces as described on page RATE 25A, paragraph H. C. Provisional Rates Rules applicable to provisionally rated policies are provided in the Provisional Rating section of this manual. D. Buildings in More Than One Flood Zone Buildings, not the land, located in more than one flood zone must be rated using the more hazardous zone. This condition applies even though the portion of the building located in the more hazardous zone may not be covered under the SFIP, such as a deck. (This rule applies for decks only if the deck foundation system extends into the more hazardous flood risk zone/BFE and is attached to the main building foundation.) E. Different Base Flood Elevations (BFEs) Reported When the BFE shown on a Flood Zone Determination Company’s form is different than the BFE shown on the property owner’s Elevation Certificate, and the community number and zone are the same, the BFE shown on the Elevation Certificate must be used to rate the policy. F. Flood Zone Discrepancies When presented with two different flood zones, use the more hazardous flood zone for rating unless the building qualifies for the grandfathering rule (see XIV.D. on page RATE 22). The community number and BFE must come from the same source as the zone used to rate the policy. XI. MISCELLANEOUS RULES A. Policy Term The policy term available is 1 year for both NFIP Direct business policies and policies written through WYO Companies. B. Application Submission Flood insurance applications and presentment of premium must be mailed promptly to the NFIP. The date of receipt of premium for the NFIP insurer is determined by either the date received at its offices or the date of certified mail. In the context of submission of applications, endorsements, and premiums to the NFIP, the term “certified mail” has been broadened to include not only the U.S. Postal Service but also certain third-party delivery services. For details, see the paragraph following VIII.B.2. on page GR 8. Producers are encouraged to submit flood insurance applications by certified mail. Certified mail ensures the earliest possible effective date if the application and premium are received by the NFIP insurer more than 10 days from the application date. The date of certification becomes the date of receipt at the NFIP. C. Delivery of the Policy The producer is responsible for delivering the declarations page and the policy contract of a new policy to the insured and, if appropriate, to the lender. Renewal policy documentation is sent directly to the insured. D. Assignment A property owner's flood insurance building policy may be assigned in writing to a purchaser of the insured property upon transfer of title without the written consent of the NFIP. Policies on buildings in the course of construction and policies insuring contents only may not be assigned. E. Producers' Commissions (Direct Business Only) The earned commission may be paid only to property or casualty insurance producers duly licensed by a state insurance regulatory authority. It shall not be less than $10 and is computed for both new and renewal policies as follows: Based on the Total Prepaid Amount (less the Federal Policy Fee) for the policy term, the commission will be 15 percent of the first $2,000 of annualized premium and 5 percent on the excess of $2,000. Calculated commissions for mid-term endorse­ments and cancellation transactions will be based upon the same commission percentage that was paid at the policy term's inception. Commissions for all Scheduled Building Policies are computed as though each building and contents policy was separately written. For calculation of commission on an RCBAP, see the CONDO section. F. Contract Agent Rule A “Contract Agent” is an employee of a WYO Company, or an agent under written contract with WYO Company, empowered to act on the company’s behalf and with authority to advise an applicant for flood insurance that the company will accept the risk. The effective date for a policy written through a Contract Agent has a waiting period that begins on the agent’s or employee’s receipt of the premium and completion of the application. An agent under written contract to a WYO Company is not a Contract Agent if the WYO Company reserves the right to reject the risk. The effective date for a policy not written through a Contract Agent has a waiting period that begins on the WYO Company’s receipt of the premium and completed application. To establish a Contract Agent relationship acceptable to the NFIP, the WYO Company must include the stipulations above in its written contract with the agent or employee. APPLICATION I. USE OF THE FORM The NFIP Flood Insurance Application form, or a similar form for WYO companies, must be used for all flood insurance policies except the Preferred Risk Policy. This section includes important guidance to carry out the regulatory intent and instructions on the rating of the different building types. The flood insurance rate to be applied to a building in the NFIP is determined by establishing: . Whether the building is Post-FIRM construction or Pre-FIRM construction. . The building description with regard to: - Building occupancy - Building type - Basement type - Elevated building type . The flood risk zone . The elevation of the building II. BUILDING DESCRIPTION For purposes of the NFIP, distinctions have been made among the following building types: . Building Occupancy - Single family - 2-4 family - Other residential - Non-residential (including hotel/motel) . Basement, Enclosure, Crawlspace - None - Finished Basement/Enclosure - Unfinished Basement/Enclosure - Crawlspace - Subgrade Crawlspace . Number of floors in entire building - 1 - 2 - 3 or more - Split level - Townhouse/Rowhouse (RCBAP lowrise only) - Manufactured (mobile) home on foundation, including doublewide or travel trailer . Elevated building An elevated building is a building that has no basement and that has its lowest elevated floor raised above ground level by foundation walls, shear walls, posts, piers, pilings, or columns. For Post-FIRM buildings in V Zones, elevated on solid perimeter foundation walls, submit the Application to the NFIP Bureau’s Underwriting Department for rating. III. SCHEDULED BUILDING POLICY 1. To obtain a Scheduled Building Policy, an Application must be completed for each building and/or contents for which coverage is requested. 2. For each scheduled building (building and/or contents coverage), the Federal Policy Fee is $40.00 per building. 3. All Flood Insurance Application forms must be completed in accordance with all Flood Insurance Manual rules and the Scheduled Building Policy qualifications. 4. If requesting a Scheduled Building Policy, indicate Building #1, Building #2, etc., in the upper right corner of each Application. Staple together the Applications as a single unit. IV. COMPLETING PART 1 OF THE FLOOD INSURANCE APPLICATION FORM The following are instructions for completing Part 1 of the Flood Insurance Application form. A. Policy Status In the upper right corner of the form, check the appropriate box to indicate if the application is for a NEW policy or a RENEWAL of an existing policy. If the application is for a renewal, enter the current 10-digit NFIP policy number. B. Policy Term (Billing/Policy Period) Check the appropriate box to indicate who should receive the renewal bill. If BILL FIRST MORTGAGEE is checked, complete "First Mortgagee" section. If BILL SECOND MORTGAGEE, BILL LOSS PAYEE, or BILL OTHER is checked, provide mailing instructions in the "Second Mortgagee or Other” section. Enter the policy effective date and policy expiration date (month-day-year). The effective date of the policy is determined by adding the appropriate waiting period to the date of application listed in the "Signature" section. The standard waiting period is 30 days. NOTE: Refer to the General Rules section, page GR 9-10, for exceptions to the standard waiting period. C. Agent Information Enter the producer’s name, agency name and number, address, city, state, ZIP Code, telephone number, and fax number. Enter the producer’s Tax I.D. Number. D. Insured Mail Address Enter the name, mailing address, city, state, ZIP Code, and telephone number of the insured. If the insured’s mailing address is a post office box or a rural route number, or if the address of the property to be insured is different from the mailing address, the "Property Location" section of the Application must be completed. If there is more than one building at the property location, see "H. Property Location" in the next column for further instructions. E. Disaster Assistance Check YES if flood insurance is being required for disaster assistance. Identify the Government (disaster) agency, and enter the insured’s case file number. If NO is checked, no further information is required. F. Property Location Check YES if the location of the property being insured is the same as the insured’s mailing address entered in the "Insured Mail Address" section. Leave the rest of the section blank unless there is more than one building at the property location. If more than one building is at the location of the insured property, use the "Property Location" section to specifically identify the building. An example would be where five buildings with the APP 2 same mailing address and location are insured with separate policies. Describe briefly the building (barn, silo, etc.) in this section or submit a sketch showing the location of insured buildings to assist the NFIP in matching the policy number to the specific building insured. A clear description of the insured’s property is important. If NO, provide address or location of the property to be insured. If the insured’s mailing address is a post office box or rural route number, give the street address, legal description, or geographic location of the property. G. First Mortgagee Enter the name, mailing address, city, state, ZIP Code, telephone number, and fax number of the first mortgagee. Enter the loan number. If not available at the time of application, the loan number should be added to the policy by submitting a General Change Endorsement form. For condominium association applications, the mortgagees for the individual condominium unit owners must not be entered here. The General Property Form and RCBAP provide coverage for the entire building and the real property elements, including all units within the building and the improvements within the units. H. Second Mortgagee, Loss Payee or Other Identify additional mortgagees by checking the appropriate box and entering the loan number, the mortgagee's name, mailing address, telephone number, and fax number. For condominium associations, follow the appropriate instructions provided under “G. First Mortgagee.” If more than one additional mortgagee or disaster assistance agency exists, provide the requested information on the insurance agency’s letterhead and attach the letterhead to the Application form. Provide the disaster assistance case number. I. Community Rating Map Information Enter the map information that will be used for rating. Enter name of the county or parish where the property is located. October 1, 2009 . Coverage Check desired coverage against the “Amount of Insurance Available” table on page RATE 1. Then enter the limits. . Rating Enter the rates. Add additional charges/ credits, i.e., deductible reduction/increase, ICC Premium, CRS Premium Discount, Probation Surcharge (if any), and Federal Policy Fee. Calculate the Total Prepaid Amount. . Rate Type Select rate type. Note that a new rate type, Leased Federal Property (LFP), has been added. (For more information on Leased Federal Property, see LFP Section.) . Community Rating System Effective May 1, 2008, the Community Rating System (CRS) discount is not available on NFIP policies for Post-FIRM structures located in a Special Flood Hazard Area (SFHA) where the lowest floor elevation used for rating is at least 1 foot or more below the Base Flood Elevation (BFE), with the exception of (1) Post-FIRM V-Zone buildings with unfinished breakaway wall enclosures and machinery or equipment at or above the BFE, and (2) subgrade crawlspaces with certification. The subgrade crawlspace exception must be certified by a community official letter containing the following statement: "I certify that the building located at [address] has a crawlspace that was built in compliance with the NFIP requirements for crawl-space construction as outlined in FEMA Technical Bulletin 11-01, Crawlspace Construction for Buildings Located in Special Flood Hazard Areas.” P. Signature The producer must sign the Application and is responsible for the completeness and accuracy of the information provided on it. Enter the date of application (month/day/year). The waiting period is added to this date to determine the policy effective date of the policy listed in the Policy Term section. A check or money order for the Total Prepaid Amount, payable to the NFIP, must accompany the application. Electronic transactions are permitted if the business process includes authentication of signatures and dates of receipt of premium. WYO companies are responsible for determining the business practices and transaction authentication methods they will use to ensure the security and integrity of such transactions. A credit card payment by VISA, MasterCard, Discover, or American Express will also be acceptable if a disclaimer form, signed by the insured, is submitted with the Flood Insurance Application. The disclaimer will state that cancellation of a policy due to a billing dispute will be permitted only for a billing error or fraud. If the credit card information is taken over the telephone by the producer, the producer may sign the authorization form on behalf of the payor only after having read the disclaimer to the payor. V. COMPLETING PART 2 OF THE FLOOD INSURANCE APPLICATION FORM After completing Part 1 of the Flood Insurance Application, the producer must complete all relevant items in Part 2 of the Application for all buildings. Part 2 of the Application collects information about risk factors affecting the building, occupancy information, and elevation data relative to the ground level. A completed Elevation Certificate must be attached to the Application before sending it to the NFIP. To complete Part 2 of the Application, the producer must: . Obtain all necessary information from the applicant. Then select the building diagram that best illustrates the applicant's building. These diagrams are shown in the Elevation Certificate and Instructions, which are reproduced in the Special Certifications section of this manual. Transcribe the information from the applicant and Elevation Certificate onto Part 2 of the Application. For renewal applica­tions, enter the policy number in the space at the top of the form. Be sure to have the applicant or the applicant's representative sign and date the bottom of the form. The applicant or the applicant's representative must complete all numbered sections of the form, check all appropriate boxes, provide all information, and respond to all YES/NO questions that are applicable to the building. (For example, Section II should be completed only for Elevated Buildings.) SECTION I—ALL BUILDING TYPES 1. The number of the building diagram selected is entered here. Use the diagrams shown at the end of the Elevation Certificate and Instructions. 2.-4.The agent may obtain the requested elevation information from Section C of the Elevation Certificate, or the applicant or the applicant’s representative may provide this information. If the applicant or the applicant’s representative furnishes these measurements, they must be taken with a ruler or tape measure. All measurements are rounded to the nearest foot using the ground (grade) immediately next to the building. NOTE: The terms "grade" and "ground" are used interchangeably. The intent is that man-made alterations of the grade, such as a declining driveway into a building or a dugout entrance to a basement, do not represent ground level. 5. If "OTHER" is checked in Question 5b, a brief description of the source must be provided. 6. If the answer to Question 6a is NO, Question 6b should be disregarded. 7. If the answer to Question 7a is NO, Questions 7b, 7c, 7d, and 7e should be ignored. SECTION II—ELEVATED BUILDINGS If the building is a manufactured (mobile) home/travel trailer that has been elevated, complete this section in addition to Sections I and III. 8. Check the type of foundation used for the building. 9. If YES is checked, check the appropriate item(s). 10. Refer to page LFG 1 to verify that the area below the elevated floor satisfies the definition of an enclosed area. If Question 10a is NO, do not answer Questions 10b through 10f. In Question 10b, enter the size of the area in square feet. If Question 10c is YES, check the single most appropriate of boxes 1-4. In Question 10d, check YES if the area is constructed with openings (excluding doors), within 1 foot of adjacent grade, to allow the passage of flood waters. Enter the number of openings and their total area in square inches. If Question 10e is YES, provide a description. In Question 10f, check YES if the enclosed area/garage has more than 20 linear feet of finished wall, paneling, etc; otherwise, check NO. SECTION III—MANUFACTURED (MOBILE) HOMES/TRAVEL TRAILERS 11. Fill in the make, year of manufacture, model number, and serial number. 12. Enter the dimensions, excluding any permanent addition or extension to the manufactured (mobile) home or travel trailer. 13. Check YES if permanent additions or extensions are present; otherwise, check NO. If YES, enter dimensions. 14. If OTHER is checked, describe the anchoring system. 15. Check the appropriate box for how the manufactured (mobile) home was installed. 16. Check YES if the manufactured (mobile) home is located in a manufactured (mobile) home park or subdivision; otherwise, check NO. VI. MAILING INSTRUCTIONS After completing all sections on the Application, attach all required certifications or other documents to the applicant's check, draft, or money order, payable to the NFIP for the Total Prepaid Amount. A credit card payment by VISA, MasterCard, Discover, or American Express will also be acceptable if a disclaimer form, signed by the insured, is submitted with the Flood Insurance Application. The disclaimer will state that cancellation of a policy due to a billing dispute will be permitted only for a billing error or fraud. If the credit card information is taken over the telephone by the producer, the producer may sign the authorization form on behalf of the payor only after having read the disclaimer to the payor. Mail the original copy of the Application with the Total Prepaid Amount to the NFIP. Distribute copies of the Application to the agency file, the applicant, and the mortgagee. A copy of the Application and a copy of the premium payment are sufficient to satisfy the mortgagee's proof-of­purchase requirements. After receipt of the Application and total prepaid amount, the NFIP will process the Application and issue the policy. The policy contract and declarations page will be mailed to the insured. Copies of the declaration page will be mailed to the producer and mortgagee(s). VII. HANDLING OF INCOMPLETE OR INCORRECT APPLICATIONS If an Application is not complete, or if the information presented on the Application is not correct, the Application will not be processed but will be placed in a pending file until the completed or corrected information is provided by the producer. For the NFIP direct business, if the missing information is not provided, a policy will be issued using Tentative Rates. If insufficient information is available to tentatively rate the policy, the flood insurance will be rejected and the premium remittance refunded. For NFIP direct business, in the case of incom­plete applications, the NFIP Servicing Agent will send the producer a transmittal document and a letter requesting the incomplete or missing information. Copies of this letter will be provided to the named insured and mortgagee(s). The producer should provide the additional or corrected information to the NFIP Servicing Agent along with the transmittal document. Since coverage cannot be conferred in excess of the coverage that can be purchased for the amount presented (received by the NFIP), it is important that underpayment errors be corrected immediately. In the case of an underpayment, when both building and contents coverage have been requested, the coverage reduction will be prorated between building and contents in accordance with NFIP rules. The ratio of building to contents coverage for the full requested coverage will be used to determine the portion of the submitted premium available to purchase building and contents coverage. This page is intentionally left blank. RATING This section contains information, including rate tables, required to accurately rate a flood insurance policy. Information and rates for the Preferred Risk Policy (PRP) and Residential Condominium Building Association Policy (RCBAP) are found in their respective sections. The detailed drawings, and accompanying text and tables, in the Lowest Floor Guide section are to be used as a guide for identifying the lowest floor for rating buildings. This guide will assist in developing the proper rate for the building. I. AMOUNT OF INSURANCE AVAILABLE Examples of some rating situations are shown on pages RATE 49 through RATE 63. A premium table for single family Pre-FIRM buildings located in Special Flood Hazard Areas (SFHAs) is located on page RATE 11. These premiums were calculated using Rate Table 2. This premium table is included in this manual to help the agent more easily quote premiums for buildings that do not require elevation certification. BUILDING COVERAGE EMERGENCY PROGRAM REGULAR PR OGRAM Basic Insurance Limits Additional Insurance Limits Total Insurance Limits Single Family Dwelling 2-4 Family Dwelling Other Residential Non-Residential $ 35,000 * $ 35,000 * $100,000** $100,000** $ 60,000 $ 60,000 $175,000$175,000 $190,000 $190,000 $ 75,000 $325,000 $250,000 $250,000 $250,000 $500,000 CONTENTS COVERAGE Residential Non-Residential $ 10,000 $100,000 $ 25,000 $150,000 $ 75,000 $350,000 $100,000 $500,000 * In Alaska, Guam, Hawaii, and U.S. Virgin Islands, the amount available is $50,000. ** In Alaska, Guam, Hawaii, and U.S. Virgin Islands, the amount available is $150,000. NOTE: For RCBAP, refer to CONDO Section for basic insurance limits and maximum coverage available. II. RATE TABLES Rate tables are provided for the Emergency $100 of coverage. Table 6 provides Program and for the Regular Program according precalculated Pre-FIRM premiums for various to Pre-FIRM, Post-FIRM, and zone coverage limits. See Table 7 for Federal Policy classifications. Tables 1-5 show annual rates per Fee and Probation Surcharge. TABLE 1. EMERGENCY PROGRAM RATES ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) Building Contents Residential .76 .96 Non-Residential .83 1.62 TABLE 2. REGULAR PROGRAM – PRE-FIRM CONSTRUCTION RATES1, 2 ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) FIRM ZONES A, AE, A1-A30, AO, AH, D OCCUPANCY Single Family 2-4 Family Other Residential Non-Residential Building Contents Building Contents Building Contents Building Contents BUILDING TYPE No Basement/Enclosure .76 / .60 .96 / 1.07 .76 / .60 .76 / 1.24 .83 / 1.19 With Basement .81 / .88 .96 / .90 .81 / .88 .76 / 1.03 .88 / 1.17 With Enclosure .81 / 1.06 .96 / 1.07 .81 / 1.06 .81 / 1.30 .88 / 1.47 Elevated on Crawlspace .76 / .60 .96 / 1.07 .76 / .60 .76 / 1.24 .83 / 1.19 Non-Elevated with Subgrade Crawlspace .76 / .60 .96 / .90 .76 / .60 .76 / 1.24 .83 / 1.19 Manufactured (Mobile) Home3 .76 / .60 .96 / 1.07 .83 / 1.19 CONTENTS LOCATION Basement & Above4 .96 / .90 .96 / .90 1.62 / 2.00 Enclosure & Above5 .96 / 1.07 .96 / 1.07 1.62 / 2.39 Lowest Floor Only – AboveGround Level .96 / 1.07 .96 / 1.07 1.62 / 1.05 Lowest Floor Above Ground Level and Higher Floors .96 / .74 .96 / .74 1.62 / .90 Above Ground Level – More than One Full Floor .35 / .14 .35 / .14 .24 / .14 Manufactured (Mobile) Home3 1.62 / 1.05 FIRM ZONES V, VE, V1-V30 OCCUPANCY Single Family 2-4 Family Other Residential Non-Residential Building Contents Building Contents Building Contents Building Contents BUILDING TYPE No Basement/Enclosure .99 / 1.54 1.23 / 2.64 .99 / 1.54 .99 / 2.85 1.10 / 2.96 With Basement 1.06 / 2.30 1.23 / 2.23 1.06 / 2.30 1.06 / 4.26 1.16 / 4.40 With Enclosure 1.06 / 2.72 1.23 / 2.63 1.06 / 2.72 1.06 / 4.76 1.16 / 4.91 Elevated on Crawlspace .99 / 1.54 1.23 / 2.64 .99 / 1.54 .99 / 2.85 1.10 / 2.96 Non-Elevated with Subgrade Crawlspace .99 / 1.54 1.23 / 2.23 .99 / 1.54 .99 / 2.85 1.10 / 2.96 Manufactured (Mobile) Home3 .99 / 6.11 1.23 / 2.63 1.10 / 10.49 CONTENTS LOCATION Basement & Above4 1.23 / 2.23 1.23 / 2.23 2.14 / 5.20 Enclosure & Above5 1.23 / 2.63 1.23 / 2.63 2.14 / 5.61 Lowest Floor Only – AboveGround Level 1.23 / 2.63 1.23 / 2.63 2.14 / 4.70 Lowest Floor Above Ground Level and Higher Floors 1.23 / 2.32 1.23 / 2.32 2.14 / 4.06 Above Ground Level – More than One Full Floor .47 / .34 .47 / .34 .45 / .45 Manufactured (Mobile) Home3 2.14 / 9.80 FIRM ZONES A99, B, C, X OCCUPANCY Single Family 2-4 Family Other Residential Non-Residential Building Contents Building Contents Building Contents Building Contents BUILDING TYPE No Basement/Enclosure .86 / .23 1.32 / .41 .86 / .23 .81 / .23 .81 / .23 With Basement .98 / .33 1.49 / .47 .98 / .33 1.04 / .33 1.04 / .33 With Enclosure .98 / .37 1.49 / .54 .98 / .37 1.04 / .37 1.04 / .37 Elevated on Crawlspace .86 / .23 1.32 / .41 .86 / .23 .81 / .23 .81 / .23 Non-Elevated with Subgrade Crawlspace .86 / .23 1.32 / .41 .86 / .23 .81 / .23 .81 / .23 Manufactured (Mobile) Home3 .86 / .42 1.32 / .41 1.04 / .43 CONTENTS LOCATION Basement & Above4 1.68 / .62 1.68 / .62 1.73 / .67 Enclosure & Above5 1.68 / .71 1.68 / .71 1.73 / .80 Lowest Floor Only – AboveGround Level 1.32 / .65 1.32 / .65 1.06/ .47 Lowest Floor Above Ground Level and Higher Floors 1.32 / .41 1.32 / .41 1.06 / .34 Above Ground Level – More than One Full Floor .39 / .13 .39 / .13 .24 / .13 Manufactured (Mobile) Home3 .93 / .58 1 Start of construction or substantial improvement on or before 12/31/74, or before the effective date of the initial Flood Insurance Rate Map (FIRM). If FIRM Zone is unknown, use rates for Zones A, AE, A1-A30, AO, AH, D. 2 Pre-FIRM buildings with subgrade crawlspaces that are below the Base Flood Elevation (BFE) may use optional Post-FIRM elevation rating. Follow the procedures from the Specific Rating Guidelines for policy processing. 3 The definition of Manufactured (Mobile) Home includes travel trailers. See page APP 3. 4 Includes subgrade crawlspace. 5 Includes crawlspace. RATE 2 October 1, 2010 TABLE 3A. REGULAR PROGRAM – POST-FIRM CONSTRUCTION RATES ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) FIRM ZONES A99, B, C, X OCCUPANCY Single Family 2-4 Family Other Residential Non-Residential Building Contents Building Contents Building Contents Building Contents BUILDING TYPE No Basement/Enclosure .86 / .23 1.32 / .41 .86 / .23 .81 / .23 .81 / .23 With Basement .98 / .33 1.49 / .47 .98 / .33 1.04 / .33 1.04 / .33 With Enclosure .98 / .37 1.49 / .54 .98 / .37 1.04 / .37 1.04 / .37 Elevated on Crawlspace .86 / .23 1.32 / .41 .86 / .23 .81 / .23 .81 / .23 Non-Elevated with Subgrade Crawlspace .86 / .23 1.32 / .41 .86 / .23 .81 / .23 .81 / .23 Manufactured (Mobile) Home1 .86 / .42 1.32 / .41 1.04 / .43 CONTENTS LOCATION Basement & Above5 1.68 / .62 1.68 / .62 1.73 / .67 Enclosure & Above6 1.68 / .71 1.68 / .71 1.73 / .80 Lowest Floor Only – AboveGround Level 1.32 / .65 1.32 / .65 1.06 / .47 Lowest Floor Above Ground Level and Higher Floors 1.32 / .41 1.32 / .41 1.06 / .34 Above Ground Level – More than One Full Floor .39 / .13 .39 / .13 .24 / .13 Manufactured (Mobile) Home1 .93 / .58 FIRM ZONE D OCCUPANCY Single Family 2-4 Family Other Residential Non-Residential Building Contents Building Contents Building Contents Building Contents BUILDING TYPE No Basement/Enclosure 1.24 / .35 1.11 / .65 1.24 / .35 1.20 / .60 1.20 / .60 With Basement *** *** *** *** *** With Enclosure *** *** *** *** *** Elevated on Crawlspace 1.24 / .35 1.11 / .65 1.24 / .35 1.20 / .60 1.20 / .60 Non-Elevated with Subgrade Crawlspace 1.24 / .35 1.11 / .65 1.24 / .35 1.20 / .60 1.20 / .60 Manufactured (Mobile) Home1 1.61 / .70 1.31 / .75 2.45 / .87 CONTENTS LOCATION Basement & Above5 *** *** *** Enclosure & Above6 *** *** *** Lowest Floor Only – AboveGround Level 1.11 / .65 1.11 / .65 1.75 / .56 Lowest Floor Above Ground Level and Higher Floors 1.11 / .45 1.11 / .45 1.75 / .54 Above Ground Level – More than One Full Floor .35 / .12 .35 / .12 .22 / .12 Manufactured (Mobile) Home1 1.75 / .56 FIRM ZONES AO, AH (No Basement/Enclosure/Crawlspace/Subgrade Crawlspace Buildings Only)2 Building Contents OCCUPANCY 1-4 Family Other Res.& Non-Res Residential Non-Residential With Certification of Compliance3 .28 / .08 .23 / .08 .38 / .13 .23 / .13 Without Certification of Compliance or Elevation Certificate4 1.02 / .21 1.10 / .32 1.17 / .22 1.97 / .29 1 The definition of Manufactured (Mobile) Home includes travel trailers. See page APP 3. 2 Zones AO, AH Buildings With Basement/Enclosure/Crawlspace/Subgrade Crawlspace: Submit for Rating 3 “With Certification of Compliance” rates are to be used when the Elevation Certificate shows that the lowest floor is equal to or greater than the community's elevation requirement. 4 “Without Certification of Compliance” rates are to be used only on Post-FIRM structures without an Elevation Certificate or when the Elevation Certificate shows that the lowest floor elevation of a Post-FIRM structure is less than the community’s elevation requirement. 5 Includes subgrade crawlspace. 6 Includes crawlspace. ***SUBMIT FOR RATING TABLE 3B. REGULAR PROGRAM – POST-FIRM CONSTRUCTION RATES ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) FIRM ZONES AE, A1-A30 – BUILDING RATES Elevation of Lowest Floor Above or Below BFE1 One Floor No Basement/Enclosure/ Crawlspace4 More than One Floor No Basement/Enclosure/ Crawlspace4 More than One Floor With Basement/ Enclosure/Crawlspace4 Manufactured (Mobile) Home2 1-4 Family Other Residential & Non-Residential 1-4 Family Other Residential & Non-Residential 1-4 Family Other Residential & Non-Residential Single Family Non-Residential +4 .24 / .08 .20 / .08 .24 / .08 .20 / .08 .24/ .08 .20 / .08 .26 / .09 .22 / .09 +3 .27 / .08 .22 / .09 .25 / .08 .20 / .08 .25 / .08 .20 / .08 .28 / .09 .24 / .09 +2 .42 / .08 .29 / .09 .28 / .08 .23 / .08 .27 / .08 .22 / .08 .48 / .09 .37 / .10 +1 .73 / .10 .52 / .11 .52 / .09 .32 / .09 .34 / .09 .26 / .09 .92 / .11 .75 / .13 0 1.60 / .12 1.47 / .14 1.17 / .11 .88 / .17 .82 / .10 .67 / .16 2.39 / .13 1.92 / .20 -13 4.30 / 1.25 5.39 / 1.28 3.70 / 0.97 3.65 / .59 2.15 / .60 1.93 / .66 *** *** -2 *** *** *** *** *** *** *** *** FIRM ZONES AE, A1-A30 – CONTENTS RATES Elevation of Lowest Floor Above or Below BFE1 Lowest Floor Only – Above Ground Level (No Basement/Enclosure/ Crawlspace4) Lowest Floor Above Ground Level & Higher Floors (No Basement/Enclosure/ Crawlspace4) More than One Floor With Basement/Enclosure/ Crawlspace4 Manufactured (Mobile) Home2 Residential Non-Residential Residential Non-Residential Residential Non-Residential Single Family Non-Residential +4 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .13 +3 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .13 .24 / .13 +2 .38 / .12 .24 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .15 .34 / .15 +1 .52 / .12 .35 / .16 .38 / .12 .25 / .12 .38 / .12 .22 / .12 .58 / .17 .53 / .23 0 1.18 / .12 .81 / .31 .67 / .12 .59 / .20 .41 / .12 .32 / .12 1.12 / .23 1.11 / .31 -13 3.45 / .70 2.29 / .90 2.00 / .47 1.53 / .60 .66 / .14 1.06 / .14 *** *** -2 *** *** *** *** *** *** *** *** FIRM ZONES AE, A1-A30 – CONTENTS RATES Elevation of Lowest Floor Above Ground Level More than One Full Floor Above or Below BFE1 Single Family 2-4 Family Other Residential Non-Residential +4 .35 / .12 .35 / .12 .22 / .12 +3 .35 / .12 .35 / .12 .22 / .12 +2 .35 / .12 .35 / .12 .22 / .12 +1 .35 / .12 .35 / .12 .22 / .12 0 .35 / .12 .35 / .12 .22 / .12 -1 .35 / .12 .35 / .12 .22 / .12 -2 .35 / .12 .35 / .12 .22 / .12 1 If Lowest Floor is –1 because of attached garage, submit application for special consideration. Rate may be lower. 2 The definition of Manufactured (Mobile) Home includes travel trailers. See page APP 3. 3 Use Submit-for-Rate guidelines if either the enclosure below the lowest elevated floor of an elevated building or the crawlspace (under-floor space) that has its interior floor within 2 feet below grade on all sides, which is used for rating, is 1 or more feet below BFE. 4 Includes subgrade crawlspace. *** SUBMIT FOR RATING TABLE 3C. REGULAR PROGRAM – POST-FIRM CONSTRUCTION RATES ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) UNNUMBERED ZONE A – WITHOUT BASEMENT/ENCLOSURE/CRAWLSPACE1,6 Elevation Difference to nearest foot BUILDING RATES CONTENTS RATES TYPE OF ELEVATION CERTIFICATE Occupancy Occupancy 1-4 Family Other & Non-Residential Residential2 Non-Residential2 +5 or more .40 / .09 .40 / .12 .49 / .12 .51 / .12 NO ESTIMATED BASE FLOOD ELEVATION3 +2 to +4 1.21 / .12 1.12 / .20 .78 / .15 .80 / .21 +1 2.30 / .60 2.57 / .37 1.50 / .27 1.31 / .49 0 or below *** *** *** *** +2 or more .44 / .08 .35 / .09 .44 / .12 .40 / .12 WITH THE ESTIMATED BASE FLOOD ELEVATION4 0 to +1 1.19 / .13 1.02 / .19 .94 / .15 .91 / .17 -1 3.85 / 1.25 4.44 / .61 2.66 / .41 2.08 / .70 -2 or below *** *** *** *** No Elevation Certificate5 4.45 / 1.41 5.53 / 1.13 3.33 / .91 3.00 / 1.20 No Elevation Certificate 1 Zone A building with basement/enclosure/crawlspace/subgrade crawlspace – Submit for Rating. 2 For elevation rated risks other than Single Family, when contents are located one floor or more above lowest floor used for rating – use .35 /.12. 3 Elevation difference is the measured distance between the highest adjacent grade next to the building and the lowest floor of the building. 4 Elevation difference is the measured distance between the estimated BFE provided by the community or registered professional engineer, surveyor, or architect and the lowest floor of the building. 5 For building without basement, enclosure, or crawlspace, Elevation Certificate is optional. 6 Pre-FIRM buildings with basement/enclosure/crawlspace/subgrade crawlspace may use this table if the rates are more favorable to the insured. For optional rating, follow the Submit for Rate procedures on pages RATE 25-25A. *** SUBMIT FOR RATING TABLE 3D. REGULAR PROGRAM – POST-FIRM CONSTRUCTION RATES ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) FIRM ZONES '75-81, V1-V30, VE – BUILDING RATES1 Elevation of Lowest Floor Above or Below BFE One Floor, No Basement/Encl/ Crawlspace5 More than One Floor, No Basement/Encl/ Crawlspace5 More than One Floor, With Basement/Encl/ Crawlspace5 Manufactured (Mobile) Home2 1-4 Family Other Residential & Non-Residential 1-4 Family Other Residential & Non-Residential 1-4 Family Other Residential & Non-Residential Single Family Non-Residential 03 2.81 / .51 3.40 / 1.32 2.28 / .51 2.47 / 1.23 1.97 / .51 2.20 / 1.00 4.22 / .42 6.02 / .38 -14 6.00 / 3.07 8.95 / 4.93 5.49 / 3.07 7.70 / 3.75 3.90 / 2.79 4.08 / 3.81 *** *** -2 *** *** *** *** *** *** *** *** FIRM ZONES '75-81, V1-V30, VE – CONTENTS RATES Elevation of Lowest Floor Above or Below BFE Lowest Floor Only -- Above Ground Level (No Basement/Encl/ Crawlspace5) Lowest Floor Above Ground Level & Higher Floors (No Basement/Encl/ Crawlspace5) More than One Floor With Basement/Enclosure/ Crawlspace5 Manufactured (Mobile) Home2 Residential Non-Residential Residential Non-Residential Residential Non-Residential Single Family Non-Residential 03 4.36 / .61 3.85 / 2.82 2.83 / .67 2.69 / 1.69 1.60 / .61 1.60 / .61 4.19 / .67 4.37 / 3.60 -14 9.55 / 4.64 9.37 / 8.18 5.63 / 3.60 6.43 / 5.10 1.88 / .61 5.73 / .61 *** *** -2 *** *** *** *** *** *** *** *** FIRM ZONES '75-81, V1-V30, VE – CONTENTS RATES Elevation of Lowest Floor Above or Below BFE Above Ground Level More than One Full Floor Single Family 2-4 Family Other Residential Non-Residential 03 .56 / .25 .56 / .25 .42 / .25 -14 .56 / .25 .56 / .25 .42 / .25 -2 .56 / .25 .56 / .25 .46 / .25 1 Policies for 1975 through 1981 Post-FIRM and Pre-FIRM buildings in Zones VE and V1-V30 will be allowed to use the Post-’81 V-Zone rate table if the rates are more favorable to the insured. See instructions on page RATE 23 for V Zone Optional Rating. 2 The definition of Manufactured (Mobile) Home includes travel trailers. See page APP 3. 3 These rates are to be used if the lowest floor of the building is at or above BFE. 4 Use Submit-for-Rate guidelines if the enclosure below the lowest elevated floor of an elevated building, which is used for rating, is 1 or more feet below BFE. 5 Includes subgrade crawlspace. ***SUBMIT FOR RATING FIRM ZONES '75-'81, UNNUMBERED V ZONE SUBMIT FOR RATING TABLE 3E. REGULAR PROGRAM – POST-FIRM CONSTRUCTION RATES ANNUAL RATES PER $100 OF COVERAGE 1981 POST-FIRM V1-V30, VE ZONE RATES1 Elevation of the lowest floor above or below BFE adjusted for wave height2 Elevated Buildings Free of Obstruction3 Contents Building Residential Non-Residential Replacement Cost Ratio .75 or More4 Replacement Cost Ratio .50 to .744 Replacement Cost Ratio Under .504 +4 or more .44 .44 .71 .94 1.44 +3 .44 .44 .86 1.17 1.75 +2 .64 .69 1.12 1.50 2.26 +1 1.11 1.19 1.63 2.18 3.04 0 1.90 2.04 2.34 3.13 4.39 -1 2.73 2.81 3.07 4.05 5.26 -2 3.90 4.11 4.15 5.44 6.94 -3 5.35 5.67 5.35 7.15 9.06 -4 or below *** *** *** *** *** 1 Policies for 1975 through 1981 Post-FIRM and Pre-FIRM buildings in Zones VE and V1-V30 will be allowed to use the Post-’81 V Zone rate table if the rates are more favorable to the insured. See instructions on page RATE 23 for V Zone Optional Rating. 2 Wave height adjustment is not required in those cases where the Flood Insurance Rate Map indicates that the map includes wave height. 3 Free of Obstruction – The space below the lowest elevated floor must be completely free of obstructions or any attachment to the building, or may have: (1) Insect screening, provided that no additional supports are required for the screening; or (2) Wooden or plastic lattice with at least 40 percent 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 percent of their area open and made of material no thicker than 1 inch. (4) One solid breakaway wall or a garage door, with the remaining sides of the enclosure constructed of insect screening, 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. Any machinery or equipment below the lowest elevated floor must be at or above the BFE. 4 These percentages represent building replacement cost ratios, which are determined by dividing the amount of building coverage being purchased by the replacement cost. See pages RATE 20-21 for more details. *** SUBMIT FOR RATING 1981 POST-FIRM V1-V30, VE ZONE Non-Elevated Buildings SUBMIT FOR RATING 1981 POST-FIRM UNNUMBERED V ZONE SUBMIT FOR RATING TABLE 3F. REGULAR PROGRAM – POST-FIRM CONSTRUCTION RATES ANNUAL RATES PER $100 OF COVERAGE 1981 POST-FIRM V1-V30, VE ZONE RATES1,2 Elevation of the lowest floor above or below BFE adjusted for wave height3 Elevated Buildings With Obstruction4 Contents Building Residential Non-Residential Replacement Cost Ratio .75 or More5 Replacement Cost Ratio .50 to .745 Replacement Cost Ratio Under .505 +4 or more .57 .57 1.58 2.10 3.12 +3 .58 .58 1.77 2.33 3.55 +2 .76 .76 2.09 2.73 4.17 +1 1.28 1.37 2.62 3.51 5.07 0 2.05 2.16 3.18 4.35 5.90 -16 2.81 2.97 3.75 4.98 6.69 -26 4.01 4.28 4.80 6.31 8.19 -36 5.48 5.83 6.18 8.04 10.33 -4 or below6 *** *** *** *** *** 1 Policies for 1975 through 1981 Post-FIRM and Pre-FIRM buildings in Zones VE and V1-V30 will be allowed to use the Post-’81 V-Zone rate table if the rates are more favorable to the insured. See instructions on page RATE 23 for V Zone Optional Rating. 2 Rates provided are only for elevated buildings, except those elevated on solid perimeter foundation walls. For buildings elevated on solid perimeter foundation walls, and for non-elevated buildings, use the Specific Rating Guidelines document. 3 Wave height adjustment is not required in those cases where the Flood Insurance Rate Map indicates that the map includes wave height. 4 With Obstruction –The space below has an area of less than 300 square feet with breakaway solid walls or contains equipment below the BFE. If the space below has an area of 300 square feet or more, or if any portion of the space below the elevated floor is enclosed with non-breakaway walls, submit for rating. If the enclosure is at or above the BFE, use the “Free of Obstruction” rate table on the preceding page. The elevation of the bottom enclosure floor is the lowest floor for rating (LFE). See page RATE 20 for more details. 5 These percentages represent building replacement cost ratios, which are determined by dividing the amount of building coverage being purchased by the replacement cost. See pages RATE 20-21 for more details. 6 For buildings with obstruction, use Submit-for-Rate guidelines if the enclosure below the lowest elevated floor of an elevated building, which is used for rating, is 1 or more feet below BFE. *** SUBMIT FOR RATING 1981 POST-FIRM UNNUMBERED V ZONE SUBMIT FOR RATING TABLE 4. REGULAR PROGRAM – FIRM ZONE AR AND AR DUAL ZONES RATES ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) PRE-FIRM NOT ELEVATION-RATED RATES1, 2 OCCUPANCY Single Family 2-4 Family Other Residential Non-Residential Building Contents Building Contents Building Contents Building Contents BUILDING TYPE No Basement/Enclosure .86 / .23 1.32 / .41 .86 / .23 .81 / .23 .81 / .23 With Basement .98 / .33 1.49 / .47 .98 / .33 1.04 / .33 1.04 / .33 With Enclosure .98 / .37 1.49 / .54 .98 / .37 1.04 / .37 1.04 / .37 Elevated on Crawlspace .86 / .23 1.32 / .41 .86 / .23 .81 / .23 .81 / .23 Non-Elevated with Subgrade Crawlspace .86 / .23 1.32 / .41 .86 / .23 .81 / .23 .81 / .23 Manufactured (Mobile) Home3 .86 / .42 1.32 / .41 1.04 / .43 CONTENTS LOCATION Basement & Above 1.68 / .62 1.68 / .62 1.73 / .67 Enclosure & Above 1.68 / .71 1.68 / .71 1.73 / .80 Lowest Floor Only - Above Ground Level 1.32 / .65 1.32 / .65 1.06 / .47 Lowest Floor Above Ground Level and Higher Floors 1.32 / .41 1.32 / .41 1.06 / .34 Above Ground Level - More than One Full Floor .39 / .13 .39 / .13 .24 / .13 Manufactured (Mobile) Home3 .93 / .58 1 Start of construction or substantial improvement on or before 12/31/74, or before the effective date of the initial Flood Insurance RateMap (FIRM). 2 Base Deductible is $2,000. 3 The definition of Manufactured (Mobile) Home includes travel trailers. See Page APP 3. POST-FIRM NOT ELEVATION-RATED RATES1 OCCUPANCY Single Family 2-4 Family Other Residential Non-Residential Building Contents Building Contents Building Contents Building Contents BUILDING TYPE No Basement/Enclosure .86 / .23 1.32 / .41 .86 / .23 .81 / .23 .81 / .23 With Basement .98 / .33 1.49 / .47 .98 / .33 1.04 / .33 1.04 / .33 With Enclosure .98 / .37 1.49 / .54 .98 / .37 1.04 / .37 1.04 / .37 Elevated on Crawlspace .86 / .23 1.32 / .41 .86 / .23 .81 / .23 .81 / .23 Non-Elevated with Subgrade Crawlspace .86 / .23 1.32 / .41 .86 / .23 .81 / .23 .81 / .23 Manufactured (Mobile) Home2 .86 / .42 1.32 / .41 1.04 / .43 CONTENTS LOCATION Basement & Above 1.68 / .62 1.68 / .62 1.73 / .67 Enclosure & Above 1.68 / .71 1.68 / .71 1.73 / .80 Lowest Floor Only - Above Ground Level 1.32 / .65 1.32 / .65 1.06 / .47 Lowest Floor Above Ground Level and Higher Floors 1.32 / .41 1.32 / .41 1.06 / .34 Above Ground Level - More than One Full Floor .39 / .13 .39 / .13 .24 / .13 Manufactured (Mobile) Home2 .93 / .58 1 Base Deductible is $1,000. 2 The definition of Manufactured (Mobile) Home includes travel trailers. See page APP 3. TABLE 5. REGULAR PROGRAM – PRE-FIRM AND POST-FIRM ELEVATION-RATED RATES ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) FIRM ZONES AR and AR Dual Zones – BUILDING RATES Elevation of Lowest Floor Above or Below BFE One Floor, No Basement/Encl/ Crawlspace4 More than One Floor, No Basement/Encl/ Crawlspace4 More than One Floor, With Basement/Encl/ Crawlspace4 Manufactured (Mobile) Home1 1-4 Family Other Residential & Non-Residential 1-4 Family Other Residential & Non-Residential 1-4 Family Other Residential & Non-Residential Single Family Non-Residential +4 .24 / .08 .20 / .08 .24 / .08 .20 / .08 .24 / .08 .20 / .08 .26 / .09 .22 / .09 +3 .27 / .08 .22 / .09 .25 / .08 .20 / .08 .25 / .08 .20 / .08 .28 / .09 .24 / .09 +2 .42 / .08 .29 / .09 .28 / .08 .23 / .08 .27 / .08 .22 / .08 .48 / .09 .37 / .10 +1 .73 / .10 .52 / .11 .52 / .09 .32 / .09 .34 / .09 .26 / .09 .86 / .42 .75 / .13 0 .86 / .23 .81 / .23 .86 / .23 .81 / .23 .82 / .09 .67 / .16 .86 / .42 1.04 / .43 -12 See Footnote2 FIRM ZONES AR and AR Dual Zones – CONTENTS RATES Elevation of Lowest Floor Above or Below BFE Lowest Floor Only – Above Ground Level (No Basement/Encl/ Crawlspace4) Lowest Floor Above Ground Level & Higher Floors (No Basement/Encl/ Crawlspace4) More than One Floor With Basement/Enclosure/ Crawlspace4 Manufactured (Mobile) Home1 Residential Non-Residential Residential Non-Residential Residential Non-Residential Single Family Non-Residential +4 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .13 +3 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .13 .24 / .13 +2 .38 / .12 .24 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .15 .34 / .15 +1 .52 / .12 .35 / .16 .38 / .12 .25 / .12 .38 / .12 .22 / .12 .58 / .17 .53 / .23 0 1.18 / .12 .81 / .31 .67 / .12 .59 / .20 .41 / .12 .32 / .12 1.12 / .23 .77 / .48 -12 See Footnote2 FIRM ZONES AR and AR Dual Zones – CONTENTS RATES Elevation of Lowest Floor Above or Above Ground Level More than One Full Floor Below BFE Single Family 2-4 Family Other Residential Non-Residential +4 .35 / .12 .35 / .12 .22 / .12 +3 .35 / .12 .35 / .12 .22 / .12 +2 .35 / .12 .35 / .12 .22 / .12 +1 .35 / .12 .35 / .12 .22 / .12 0 .35 / .12 .35 / .12 .22 / .12 -13 .35 / .12 .35 / .12 .22 / .12 -23 .35 / .12 .35 / .12 .22 / .12 1 The definition of Manufactured (Mobile) Home includes travel trailers. See page APP 3. 2 Use Table 4 Pre-FIRM and Post-FIRM Not Elevation-Rated AR and AR Dual Zones Rate Table. 3 These rates are only applicable to Contents-only policies. 4 Includes subgrade crawlspace. RATE 10 October 1, 2010 TABLE 6. PRECALCULATED PRE-FIRM PREMIUM TABLE FOR SINGLE-FAMILY DWELLINGS AMOUNT OF INSURANCE PREMIUM1 EXCLUDING ICC2 AND FEDERAL POLICY FEE3 A, AE, A1-A30, AH, AO, D V, VE, V1-V30 w/bsmt w/o bsmt w/bsmt w/o bsmt BUILDING $ 20,000 $ 162 $ 152 $ 212 $ 198 $ 30,000 $ 243 $ 228 $ 318 $ 297 $ 40,000 $ 324 $ 304 $ 424 $ 396 $ 50,000 $ 405 $ 380 $ 530 $ 495 $ 60,000 $ 486 $ 456 $ 636 $ 594 $ 70,000 $ 574 $ 516 $ 866 $ 748 $ 80,000 $ 662 $ 576 $1,096 $ 902 $ 90,000 $ 750 $ 636 $1,326 $1,056 $100,000 $ 838 $ 696 $1,556 $1,210 $125,000 $1,058 $ 846 $2,131 $1,595 $150,000 $1,278 $ 996 $2,706 $1,980 $175,000 $1,498 $1,146 $3,281 $2,365 $200,000 $1,718 $1,296 $3,856 $2,750 $225,000 $1,938 $1,446 $4,431 $3,135 $250,0004 $2,158 $1,596 $5,006 $3,520 CONTENTS $ 5,000 $ 48 $ 48 $ 62 $ 62 $ 10,000 $ 96 $ 96 $ 123 $ 123 $ 15,000 $144 $144 $ 185 $ 185 $ 20,000 $192 $192 $ 246 $ 246 $ 25,000 $240 $240 $ 308 $ 308 $ 30,000 $285 $294 $ 419 $ 440 $ 40,000 $375 $401 $ 642 $ 704 $ 50,000 $465 $508 $ 865 $ 968 $ 60,000 $555 $615 $1,088 $1,232 $ 70,000 $645 $722 $1,312 $1,496 $ 80,000 $735 $829 $1,534 $1,760 $ 90,000 $825 $936 $1,757 $2,024 $100,000 $915 $1,043 $1,980 $2,288 1 Premium before applying any CRS credits or optional deductible factors. 2 For building coverage amounts of $230,000 and less, add $70 to the building premium selected from the table above to cover ICC cost, except for D zones. For D zones add $5. For building coverage amounts above $230,000, see Footnote 4 below. 3 Add $40 to the premium selected from the table above to cover Federal Policy Fee. 4 Add $55 to cover the ICC cost for the $250,000 building limit, except for D zones. For D zones add $4. TABLE 7. FEDERAL POLICY FEE AND PROBATION SURCHARGE TABLE FEDERAL POLICY FEE1 PROBATION SURCHARGE $40 $50 1 For the Preferred Risk Policy, the Federal Policy Fee is $20.00. III. DEDUCTIBLES As shown in Table 8A below, the NFIP standard deductible is either $1,000 or $2,000. The insured may choose a deductible amount different from the standard $1,000 for Post-FIRM or the standard $2,000 for structures in the Emergency Program and those rated using Pre- FIRM rates in Zones A, AO, AH, A1-A30, AE, VO, V1-V30, VE, V, AR, and AR Dual Zones (AR/AE, AR/AH, AR/AO, AR/A1-A30, AR/A). The optional deductible amount may be applied to policies insuring properties in either Emergency Program or Regular Program communities. Refer to page CONDO 22 for Residential Condominium Building Association Policy optional deductibles. A. Buy-Back Deductibles Policyholders who wish to reduce their deductibles from the standard deductibles of $2,000 for Pre-FIRM SFHA risks may opt to purchase separate $1,000 deductibles for building and contents coverages, for an additional premium. The deductible factors provided on pages RATE 13 and CONDO 22 must be used to calculate the deductible surcharge. B. Changes in Deductible Amount The amount of the deductible may be increased during the policy term by submitting a completed General Change Endorsement form. The deductible amount may be reduced through the submission of a new Application at the time of renewal. This procedure does not require the completion of the entire Flood Insurance Application. Deductibles cannot be reduced mid term unless required by the mortgagee and written authorization is provided by the mortgagee. A 30-day waiting period will be applied to reduce the deductible. TABLE 8A. STANDARD DEDUCTIBLES EMERGENCY PROGRAM REGULAR PROGRAM Flood Zone Pre-FIRM Pre-FIRM with Optional Post-FIRM Elevation Rating Post-FIRM $2,000 B, C, X, A99, D $1,000 $1,000 A, AO, AH, A1-A30, AE, VO, V1-V30, VE, V, AR, AR/AE, AR/AH, AR/AO, AR/A1-A30, AR/A $2,000 $1,000 $1,000 TABLE 8B. DEDUCTIBLE FACTORS Single Family and 2-4 Family Building and Contents Policies1,2,3 Deductible Options: Building/Contents Post-FIRM $1,000 Ded. Pre-FIRM $2,000 Ded. Deductible Options: Building/Contents Post-FIRM $1,000 Ded. Pre-FIRM $2,000 Ded. $1,000/$1,000 1.000 1.100 $4,000/$3,000 .800 .875 $2,000/$1,000 .950 1.030 $4,000/$4,000 .775 .850 $2,000/$2,000 .925 1.000 $5,000/$1,000 .825 .900 $3,000/$1,000 .900 .980 $5,000/$2,000 .800 .875 $3,000/$2,000 .875 .950 $5,000/$3,000 .780 .850 $3,000/$3,000 .850 .925 $5,000/$4,000 .765 .830 $4,000/$1,000 .850 .900 $5,000/$5,000 .750 .810 $4,000/$2,000 .825 .900 Single Family and 2-4 Family Building Only or Contents Only Policies1,2,3 Building Post-FIRM $1,000 Ded. Pre-FIRM $2,000 Ded. $1,000 1.000 1.075 $2,000 .935 1.000 $3,000 .885 .945 $4,000 .835 .890 $5,000 .785 .840 Contents4 Post-FIRM $1,000 Ded. Pre-FIRM $2,000 Ded. $1,000 1.000 1.100 $2,000 .900 1.000 $3,000 .825 .915 $4,000 .750 .830 $5,000 .675 .750 Other Residential and Non-Residential Policies1,2,5 Bldg./Contents Discount From Amount Building Only Contents Only Post-FIRM $1,000 Ded. Pre-FIRM $2,000 Ded. Post-FIRM $1,000 Ded. Pre-FIRM $2,000 Ded. Post-FIRM $1,000 Ded. Pre-FIRM $2,000 Ded. $1,000/$1,000 1.000 1.050 $1,000 1.000 1.050 1.000 1.050 $2,000/$2,000 .960 1.000 $2,000 .960 1.000 .965 1.000 $3,000/$3,000 .930 .970 $3,000 .925 .965 .940 .975 $4,000/$4,000 .910 .950 $4,000 .900 .935 .915 .950 $5,000/$5,000 .890 .930 $5,000 .875 .910 .890 .925 $10,000/$10,0005 .815 .855 $10,000 .775 .800 .815 .850 $15,000/$15,0005 .765 .800 $15,000 .700 .725 .740 .775 $20,000/$20,0005 .715 .750 $20,000 .625 .650 .670 .700 $25,000/$25,0005 .665 .700 $25,000 .575 .600 .620 .650 $50,000/$50,0005 .565 .600 $50,000 .475 .500 .550 .575 1 Deductible factors for the RCBAP are located on page CONDO 22. 2 The ICC premium is not eligible for the deductible discount. First calculate the deductible discount, then add in the ICC premium, for each policy year. 3 These deductible factors apply for condominium unit owners. 4 Also applies to residential unit contents in Other Residential building or in multi-unit condominium building. 5 Deductibles of $10,000 to $50,000 are available only for Non-Residential Policies. IV. INCREASED COST OF COMPLIANCE (ICC) COVERAGE Coverage is afforded under the Standard Flood Insurance Policy for the increased cost to rebuild, or otherwise alter, a flood-damaged structure to bring it into conformance with State or local floodplain management ordinances or laws. ICC coverage is mandatory for all Standard Flood Insurance Policies except for (1) those sold in Emergency Program communities, (2) contents-only policies, (3) Dwelling Forms on individual condominium units, and (4) Group Flood Insurance. For these four cases, ICC coverage is not available. In a condominium building, ICC coverage is only available through the Condominium Association’s flood policy. The current ICC coverage limit is $30,000 per building or, for non-condominium townhouse construction, per unit, per policy. This coverage amount is in addition to the Building Amount of insurance purchased. However, for any one flood event, the amount of combined loss payment received from Building coverage and ICC coverage cannot exceed the maximum program limits of $250,000 for residential structures and $500,000 for non-residential structures. TABLE 9. STANDARD FLOOD INSURANCE POLICY INCREASED COST OF COMPLIANCE (ICC) COVERAGE Premiums for $30,000 ICC Coverage All Except RCBAP, MPPP, Preferred Risk Policies, and Submit-For-Rate Policies FIRM Zone Residential Non-Residential Building Amount of Insurance Building Amount of Insurance $1 - $230,000 $230,001 - $250,000 $1 - $480,000 $480,001 - $500,000 Post- FIRM A, AE, A1-A30, AO, AH $ 5 $ 4 $ 5 $ 4 AR, AR DUAL ZONES $ 5 $ 4 $ 5 $ 4 POST-’81 V1-V30, VE $18 $13 $18 $13 ‘75-’81 V1-V30, VE $30 $20 $30 $20 A99, B, C, X, D $ 5 $ 4 $ 5 $ 4 Pre-FIRM A, AE, A1-A30, AO, AH $70 $55 $70 $55 AR, AR DUAL ZONES $ 5 $ 4 $ 5 $ 4 V, VE, V1-V30 $70 $55 $70 $55 A99, B, C, X, D $ 5 $ 4 $ 5 $ 4 NOTES: (1) ICC coverage does not apply to the Emergency Program, individually owned condominium units insured under the Dwelling Form or General Property Form, contents-only policies, and Group Flood Insurance Policies. (2) (3) The ICC premium is not eligible for the deductible discount. First calculate the deductible discount, then add in the ICC premium. Use only one ICC premium amount listed above for each building to be insured. (4) For scheduled building policies, apply ICC premium for each building. (5) Add Federal Policy Fee and Probation Surcharge, if applicable, when computing the premium. (6) Elevation-rated Pre-FIRM buildings should use Post-FIRM ICC premiums. (7) See RATE 19 for AR Zone and AR Dual Zone Rating information. (8) For flood policies issued through the Mortgage Portfolio Protection Program, use the rates and ICC premiums in the table on page MPPP 1. (9) For Submit for-Rate policies, use the ICC premium table contained in the Specific Rating Guidelines. 9. The ICC premium is not subject to deductible factors. First calculate the deductible amount, then add in the ICC premium. 10. Apply CRS discount, if applicable. 11. Add $50.00 Probation Surcharge if building is located in a community on probation. 12. Add Federal Policy Fee. VII. KEY POINTS FOR RATING A. Basic Limits and Additional Limits For rating purposes in the Regular Program, separate rates have been established for the Basic Limits and the Additional Limits. B. Whole Dollars NFIP accepts premium only in WHOLE DOLLARS. If the discount for an optional deductible does not result in a whole dollar premium, round up if 50¢ or more; round down if less. ALWAYS SUBMIT GROSS PREMIUM. C. Increased Cost of Compliance (ICC) Premium Total Prepaid Amount will include ICC premium. The ICC premium is not subject to deductible factors, but the CRS discount will apply. D. Federal Policy Fee A Federal Policy Fee shall be charged for all new and renewal policies, including the Preferred Risk Policy. This fee is fully earned on the effective date of the policy, except as indicated in the Cancellation/Nullification Section. This fee is not subject to earned commissions and, as such, is not considered part of the Total Prepaid Premium. The Federal Policy Fee must, however, be added to the Total Prepaid Premium in order to figure the Total Prepaid Amount. Under the Residential Condominium Building Association Policy, the Federal Policy Fee is based on the number of units. (See CONDO Section.) E. Buildings in More Than One Flood Zone Buildings, not the land, located in more than one zone must be rated using the more hazardous zone. This condition applies even though the portion of the building located in the more hazardous zone may not be covered under the SFIP, such as a deck. F. Different Base Flood Elevations (BFEs) Reported When the BFE shown on a Flood Zone Determination Company’s form is different than the BFE shown on the property owner’s Elevation Certificate, and the community number and the zone are the same, the BFE shown on the Elevation Certificate must be used to rate the policy. G. Flood Zone Discrepancies When presented with two different flood zones, use the more hazardous flood zone for rating unless the building qualifies for the grandfathering rule (see XIV.D. on page RATE 22). The community number and BFE must come from the same source as the zone used to rate the policy. H. Mortgagee on Policy—Higher Deductible Requested When a mortgagee is listed on the policy, their written consent should be secured before requesting a deductible higher than the applicable SFIP deductible. VIII. REGULAR PROGRAM, POST-FIRM ELEVATION-RATED RISKS A. Elevation Difference The elevation difference is the difference between the lowest floor used for rating and the Base Flood Elevation (BFE). The elevation difference must be determined if the building is Post-FIRM located in a Special Flood Hazard Area (SFHA) and within a Regular Program community. Refer to the Lowest Floor Guide section for a guide to determining the lowest floor. Note that, in Puerto Rico, elevations are based on meters rather than feet. Before rating the flood insurance premium, the agent must convert the meter elevations into feet. For rating purposes, the elevation difference is the difference, measured in feet, between the lowest floor elevation of the building to be rated, and the BFE for that zone. The elevation difference can be a number of feet above (+) or below (-) the BFE. If the BFE and/or the lowest floor elevation is shown in tenths (e.g., 10.5’), the agent must apply the rounding rule to the difference between the BFE and the lowest-floor-for-rating elevation. If the difference is negative, the final figure is rounded up from .5. If the difference is positive, the final figure is rounded up from .5. Always round to the higher elevation. For example, -3’ is higher than -3.5’ and +4’ is higher than +3.5’. Rounding Rule Example: 11’ BFE -3’ -2’ -1’ 0’ +1’ +2’ +3’ 10.5’ LF - 11.0’ BFE = -0.5’ Because the difference is negative, it is rounded up to 0’. 11.5’ LF – 11.0’ BFE = +0.5’ Because the difference is positive, it is rounded up to 1.0’. B. Examples Examples to illustrate how to determine the elevation difference are provided below. 1. Zones A1-A30, AE, AR, AR Dual Zones, Post-‘81 V1-V30, VE, and A (With Estimated BFE) Lowest Floor Elevation -Base Flood Elevation (BFE) = Elevation Difference Examples: a. Lowest Floor Elevation (+10') - BFE (+6') = Elevation Difference of (+4'). b. Lowest Floor Elevation (+8.3') - BFE (+6.0') = Elevation Difference of (+2.3'); therefore, (+2.3') is rounded down to (+2.0'). c. Lowest Floor Elevation (+12.4') - BFE (+8.8') = Elevation Difference of (+3.6'); therefore, (+3.6') is rounded up to (+4.0'). d. Lowest Floor Elevation (+9.5') - BFE (+12.0') = Elevation Difference of (-2.5'); therefore, (-2.5') is rounded down to (-2'). 2. Zone AH Lowest Floor Elevation – Base Flood Elevation (BFE) = Elevation Difference Examples: a. Lowest Floor Elevation (+4') - BFE (+2') = (+2'); use With Certification of Compliance rates. b. Lowest Floor Elevation (+6') - BFE (+8') = (-2'); use Without Certification of Compliance rates. c. Lowest Floor Elevation (+3.9') - BFE (+4') = (0'); use With Certification of Compliance rates. 3. Zone AO In AO zones, the difference between the top of the bottom floor and the highest adjacent grade is the lowest floor elevation used for rating. If the lowest floor elevation is equal to or greater than the Base Flood Depth printed on the FIRM, use With Certification of Compliance rate. If the elevation difference is less than the Base Flood Depth, use Without Certification of Compliance rates. When no Base Flood Depth is printed on the FIRM, a depth of 2 feet must be used for rating purposes. Examples: a. Lowest Floor Elevation (distance between the top of the bottom floor and the highest adjacent grade) (+2.9') - Base Flood Depth (3') = (0'); use With Certification of Compliance rates. b. Lowest Floor Elevation (0') - Base Flood Depth (+1') = (-1'); use Without Certification of Compliance rates. c. Lowest Floor Elevation (+2') - (+2') (no published Base Flood Depth) = (0'); use With Certification of Compliance rates. 4. Zone A (With No Estimated BFE) In Zone A where there is no established BFE, the difference between the top of the bottom floor and the highest adjacent grade is the lowest floor elevation used for rating. Examples: a. Lowest Floor Elevation (distance between the top of the bottom floor and the highest adjacent grade) (+3') = (+3') for rating purposes (use No Estimated BFE rate table). The top of the bottom floor is 3' above the highest adjacent grade. b. Lowest Floor Elevation (-2') = (-2') for rating purposes. The top of the bottom floor is below the highest adjacent grade by 2'. 5. Zones V1-V30, VE Post-FIRM 1975-81 Lowest Floor Elevation -Base Flood Elevation (BFE) = Elevation Difference C. Optional Elevation Rating Pre-FIRM construction, at the option of the applicant, may be rated using Pre- or Post-FIRM rating. Once it is determined which rating will provide a lower premium, a policy may be endorsed to obtain a lower rate. Pre-FIRM buildings with subgrade crawlspaces that are below the Base Flood Elevation (BFE) may use optional Post-FIRM elevation rating. For policy processing, follow the Submit-for-Rate procedures on pages RATE 25-25A. This is the only Pre-FIRM construction that can be rated using the Submit-for-Rate procedure. IX. PRE-FIRM ELEVATED BUILDING RATED WITH PRE-FIRM RATES Pre-FIRM elevated buildings with no enclosures beneath the lowest elevated floor are to be rated using the No Basement rates. Pre-FIRM elevated buildings with enclosures beneath the lowest elevated floor are to be rated using the With Enclosure rates. X. AR ZONE AND AR DUAL ZONE RATING NOTE: AR Dual Zones appear on the FIRM as AR/AE, AR/AH, AR/AO, AR/A1­ A30, and AR/A. For Pre-FIRM construction and Post-FIRM non-elevation rated risks, use the rates provided in Table 4. Structures in AR and AR Dual Zones with an Elevation Certificate may be rated using the rates provided in Table 5. XI. POST-FIRM AO ZONE RATING In Zone AO, when the base flood depth number is not printed on the FIRM, a base flood depth of 2 feet is an acceptable standard unless modified by community ordinance or state law. The difference from the top of the lowest floor to the highest adjacent ground (grade) must be greater than or equal to 2 feet in order to use the more favorable With Certification of Compliance rates. If the difference is less than 2 feet, the Without Certification of Compliance rates are to be used. XII. POST-FIRM RATING OF ELEVATED BUILDINGS IN ZONES B, C, X, A99, AND D Post-FIRM elevated buildings in the above zones with no enclosures beneath the lowest elevated floor are to be rated using the No Basement/Enclosure rates. Post-FIRM elevated buildings in the above zones with enclosures beneath the lowest elevated floor are to be rated using the With Enclosure rates. XIII. REGULAR PROGRAM V ZONE POST­FIRM CONSTRUCTION A. Rating All V Zone Buildings For an elevated building (building on posts, piles, or piers only) rated without an enclosure or obstruction, the Zone V, V1-V30, and VE rates do not take into consideration the flood risk associated with any addition of a habitable area (finished or used as living or work area) below the lowest elevated floor. Further, rates do not allow for any flood risk to the machinery or equipment used to service the building located below the lowest elevated floor. NOTE: A 1975-81 elevated building with an unfinished enclosure under 300 square feet, with breakaway walls, and without machinery or equipment, can be rated without taking into account the enclosure, but an elevated Post-FIRM building constructed on or after October 1, 1981, cannot. For all Post-FIRM non-elevated buildings constructed on or after October 1, 1981, the Submit-for-Rate procedures should be followed. B. Zones VE and V1-V30—Enclosure Con­taining Machinery or Equipment Below BFE Follow these steps when determining the lowest floor for rating in Zones VE and V1-V30 where there is an enclosure containing machinery or equipment located below the BFE: . The bottom of the enclosure slab is the correct floor for rating. Determine whether the elevation in Item C2.c on the Elevation Certificate (EC) (bottom of lowest horizontal structural member) reflects the top or the bottom of the slab. . If the lowest horizontal structural member is equal to or higher than Item C2.f on the EC (lowest adjacent grade), deduct (for 1-4 family residences) 12 inches from the elevation found in Item C2.c and 18 inches for buildings other than 1-4 family. This estimated elevation is the elevation figure used for rating the flood insurance policy. . If the surveyor has used Item C2.a on the EC (top of bottom floor including basement or enclosure) to indicate the elevation of the enclosure slab, then the bottom of the enclosure slab is the correct floor for rating. Determine whether the elevation in Item C2.a or Item C3.a reflects the top or the bottom of the slab. - If Item C2.a is equal to or higher than Item C2.f, deduct (for 1-4 family residences) 12 inches from the elevation found in Item C2.a and 18 inches for buildings other than 1-4 family. This estimated elevation is the elevation figure used for rating the flood insurance policy. C. 1975-81 Post-FIRM V Zone Construction 1975-81 Post-FIRM V-Zone Construction refers to any V-Zone Post-FIRM building for which the start of construction or substantial improvement began January 1, 1975, through September 30, 1981. D. 1981 Post-FIRM V Zone Construction 1981 Post-FIRM V-Zone Construction refers to any V Zone Post-FIRM building for which (1) the permit application date for the construction or substantial improvement is on or after October 1, 1981, or (2) the permit was issued before October 1, 1981, and the actual start date of construction did not begin within 180 days of the permit date. E. Elevated Buildings—Post-FIRM V Zone Construction 1. Elevated Building Without Obstruction The area below the lowest elevated floor is open, with no obstruction, to allow the flow of floodwaters. Insect screening is permis­sible. Wooden or plastic lattice, slats, or shutters are also permissible if at least 40 percent of their area is open. Lattice can be no thicker than ½ inch; slats or shutters can be no thicker than 1 inch. In addition, buildings are considered without obstruction if the area below the lowest elevated floor is enclosed by a combination of one solid breakaway wall or garage door, and the other sides of the enclosure are insect screening, or wooden or plastic lattice, slats, or shutters. Machinery or equipment below the lowest elevated floor must be at or above the BFE. Use the rates from Table 3E. For unnumbered Zone V, use Submit-for-Rate guidelines. 2. Elevated Building With Obstruction Buildings are rated With Obstruction if any of the following conditions are met: - The area below the lowest elevated floor is enclosed fully by solid breakaway walls. - The area below the lowest elevated floor is enclosed by a combination of two or more solid breakaway walls, with the remaining sides constructed of insect screening, or wooden or plastic lattice, slats, or shutters. - Machinery or equipment below the lowest elevated floor is also below the BFE. Use the rates from Table 3F provided that the enclosure is less than 300 square feet with solid breakaway walls, or any machinery or equipment is below the BFE. For unnumbered Zone V, use Submit-for-Rate guidelines. NOTE: - For elevated buildings with non-breakaway walls below their lowest elevated floors, elevated buildings with habitable or finished areas located below their lowest elevated floors, or buildings with enclosures 300 square feet or greater, the Submit-for-Rate procedures should be followed. Producers should be sure to include a recent photograph or blueprints, including a site grading plan if ocean front, a copy of the variance, and an Elevation Certificate with the Application form. Any addition to a building during a policy term that changes the applicable rates must be endorsed to the policy. Any additional premium must be paid by the insured. 3. Replacement Cost Ratio The replacement cost ratio is needed to select the proper rate for insurance on buildings in 1981 Post-FIRM Construction V, V1-V30, and VE Zones on or after October 1, 1981. The estimated building replacement cost is used in conjunction with the amount of the building insurance desired to determine the insurance-to­replacement-cost ratio. Replacement cost is defined as the amount of money required to replace or repair the insured building in the event of loss or damage, without a deduction for depreciation. The replacement cost ratio is determined by dividing the amount of building coverage by the replacement cost of the building. If the replacement cost of the building exceeds the maximum statutory building limit, use the replacement cost, not the maximum statutory building limit, in calculating the ratio. For example, if the building replacement cost is $1,000,000 and the amount of building coverage requested is the maximum statutory building limit of $250,000, the rate is .25, so use the rate listed for “Replacement Cost Ratio Under .50.” Place the rate in the appropriate box on the Application and continue with the premium calculation. 4. Elevation Information The lowest floor elevation must be identified for buildings in Zones V, V1-V30, and VE. Note that the lowest floor elevation is measured at the bottom of the lowest floor beam or slab, whichever is appropriate. The BFE, including wave height, must be identified for any building located in Zones V1-V30 and VE. XIV. SPECIAL RATING SITUATIONS A. Tentative Rates Tentative rates are used to issue policies when producers fail to provide the required actuarial rating information. With tentative rates, a policy will be generated with coverage limits based on the actual premium received. Tentatively rated policies cannot be endorsed to increase coverage limits, or renewed for another policy term, until the required actuarial rating information and full premium payment are received. Tentative rates are generally higher than the rates published in this manual (ranging from $2 to $10 per $100 of coverage). When tentative rates are applied, a Declarations Page and a Tentative Rate Letter will be forwarded to the policyholder, producer, and mortgagee (if any), requesting the necessary information so that the proper rate can be determined. (Refer to page LFP 3 in the Leased Federal Property Section for tentative rates.) If a loss occurs on a tentatively rated property, payment will be limited by the amount of coverage that the initially submitted premium will purchase using the correct actuarial rating information. B. Alternative Rates When a building is Pre-FIRM and the FIRM zone is unknown, an alternative rating procedure can be used only if the building is located in a community that does not have any V Zones. In these cases, the NFIP will presume that the building is located in a Special Flood Hazard Area, and the FIRM zone should be shown as Zone AA. AA is not a valid flood zone designation; rather, it is a rating method used when the flood zone is unknown. The rates for FIRM Zone A for Pre-FIRM properties should then be used to compute the premium. The alternative rating procedure is also used by the NFIP for renewal of policies in communities that have converted from the Emergency Program to the Regular Program during a policy's term. Again, this procedure can be used only when the community has no V Zones. In these cases, the NFIP assigns an AS Zone designation, which is not a valid flood zone designation, but rather a rating method, and uses the Pre-FIRM Zone A rates to compute the premium. In both of the above situations, the producer should determine the actual FIRM zone and submit a General Change Endorsement to correct the FIRM zone and premium. All corrections should be made as soon as possible within the initial policy term after an AA or AS Zone designation has been made. If the correct flood zone is not provided, no Renewal Premium Notice will be issued. C. Special Rates Certain risks may be eligible for FEMA Special Rates consideration. These risks include Post-FIRM high-rise residential condominium buildings, eligible under the Residential Condominium Building Association Policy, where the lowest floor elevation is below the BFE, unfinished, and used for building access, parking, or storage only. The other eligible risks are Post-FIRM buildings with hanging floors elevated on posts, piers, pilings, or columns and with the lowest elevated floor that is below the BFE unfinished and used for building access only. (For examples of hanging floors, see pages LFG 16, LFG 34, LFG 51, and LFG 61.) To request FEMA Special Rates, the company must submit the appropriate documentation to the NFIP Bureau and Statistical Agent along with a complete application and Elevation Certificate. The required additional documentation includes the following: . For High-Rise Residential Condominium Buildings - Recent photographs of the building (front and back), or a blueprint (layout of the building) if the building is under construction. - Elevated Building Determination Form signed by the insured - Structural plans - Replacement cost documents - Value and use of the floor(s) below the BFE - Clear pictures of interior of the floor(s) below the BFE - List and value of machinery and equipment below the BFE . For Hanging Floors - Pictures of the interior and exterior of the unfinished lowest elevated floor - Value of the unfinished lowest elevated floor - List and value of machinery and equipment and appliances D. Map “Grandfather” Rules—Effect of Map Revisions on Flood Insurance Rates A community will occasionally make structural improvements (dams, levees, etc.) to reduce the potential effects of flooding; experience new development aggravating the flooding situation, thereby expanding the floodplain; revise geographical boundaries resulting in the designation of additional flood hazard areas; or provide information to better delineate the BFE and/or flood insurance risk zones. When these situations occur, the FIRM is revised and republished. The implementation of a new FIRM raises the question--HOW DOES THE NEW MAP AFFECT FLOOD INSURANCE RATES? 1. Grandfather Rules--Eligibility To recognize policyholders who have built in compliance with the FIRM and/or maintained continuous coverage, FEMA has “Grandfather rules.” These rules allow such policyholders to benefit in the rating for that building. A. Built in Compliance Buildings that are built in compliance with the FIRM in effect at the time of construction are eligible for grandfathering. For elevated buildings, the lowest finished floor must be at or above the BFE. The enclosures must be unfinished and used solely for parking, storage, or building access. For A zones, proper openings are required (see pages LFG 1 and 2 for guidance for proper openings). For V zones, the enclosures must be constructed with breakaway walls (see pages LFG 2 and 2A for guidance). The insured would have the option of using the current rating criteria for that property or having the premium rate determined by using the BFE and/or flood zone on the FIRM (old map) in effect when the building was originally constructed. B. Continuous Coverage Policyholders who have remained loyal customers of the NFIP by maintaining continuous coverage (since coverage was first obtained on the building) are eligible for grandfathering rules. This will result in a cost savings to insureds when the new map resulting from a map revision would result in a higher premium rate. Buildings insured under the PRP during the 2-year eligibility extension may be rated using X-Zone rates when the policies are renewed as standard-rated policies at the end of the 2-year eligibility period. To document continuous coverage when policies are moved from one WYO RATE 22 October 1, 2010 company to another, the receiving . A building was constructed in 1980. The company must obtain the immediately prior FIRM zone in effect was A. In 1983 the year’s policy declaration page from the map was revised, which placed the previous WYO company. building in a VE zone. Since continuous coverage existed and the building was To document continuous coverage when not altered, the policyholder can continue there is a transfer of property ownership, to use Zone A in determining the rate. the new property owner or the producer must obtain the immediately prior year’s b. Example—Pre-FIRM Construction policy declaration page and submit a copy with the application. At the time flood insurance coverage was applied for, the building was located in 2. General Rule of Rating Zone A99. A new map designated the zone as AE. The policy may continue to be rated Always use the new map if it will provide a using Zone A99 rates on the old map as more favorable premium (lower rate). long as there is no interruption in coverage. 3. Existing Business—Renewal Policies 4. New Business—Applications for Coverage Policies written to cover either Post-FIRM or a. Post-FIRM Construction Pre-FIRM construction may be renewed and rated based on the FIRM and/or BFE in effect NOTE: These rules apply to buildings in all when the policy was initially rated as long as zones, including Zone D. the coverage is continuous and the building has not been altered to make the lowest If a new policy is applied for, the rates finished floor level lower than the BFE on that can be based on the FIRM zone and the FIRM. For elevated buildings, the lowest BFE on the old map in effect on the date finished floor must be at or above the BFE. the building was constructed provided that: The enclosures must be unfinished and used solely for parking, storage, or building access. . The building was built in compliance with the map in effect at the time of For A zones, proper openings are required construction. For elevated buildings, the (see pages LFG 1 and 2 for guidance for lowest finished floor must be at or above proper openings). the BFE. The enclosures must be unfinished and used solely for parking, For V zones, the enclosures must be storage, or building access. constructed with breakaway walls (see pages LFG 2 and 2A for guidance). For A zones, proper openings are required (see pages LFG 1 and 2 for a. Examples—Post-FIRM Construction guidance for proper openings). . A building was constructed in 1980. For V zones, the enclosures must be Coverage was purchased at the time of constructed with breakaway walls (see construction. The FIRM zone in effect pages LFG 2 and 2A for guidance). was A1. The BFE was 10’. The Lowest Floor was 11’. The elevation difference . The building has not been altered in any was +1, and the policy was rated using a way that has resulted in a lowest floor, for +1 elevation difference. rating purposes, lower than the BFE on that FIRM (e.g., enclosing the area below This policy was written and continuously an elevated building). renewed for 3 years. In 1983 a new map . The building has not been substantially for the community was issued. improved. The property remained in an A1 Zone. The property owner or producer must However, the BFE became 12’. Because provide proper documentation to the the lowest floor did not change, the WYO company or NFIP Servicing Agent. elevation difference was -1. Since the The documentation must show: the date building was built in compliance and was of the FIRM; the zone on that FIRM in not altered in any way, the policy can be which the property is located; the BFE, if rated using a +1 elevation difference. RATE 23 October 1, 2010 any, for that zone; a copy of the map panel showing the location of the building; and the rating element that is to be grandfathered. A letter from a community official verifying this information, or an Elevation Certificate, also is acceptable. Example: A building was constructed in 1980 and, according to the FIRM in effect at that time, was located in Zone AE. No insurance policy was purchased until 1990. At that time remapping had occurred and the zone had been changed to a more hazardous area, Zone VE. The new policy can use Zone AE as the rating zone if the required documentation is provided. b. Pre-FIRM Construction Because there was no FIRM in effect on the date of construction, most Pre-FIRM construction is ineligible for the “built in compliance” grandfathering rule. The limited exceptions are those communities with initial FIRM dates prior to December 31, 1974. The “built in compliance” rule applies to Pre-FIRM construction only if the date of construction was on or before December 31, 1974, and was also on or after the FIRM date. Example: A building was constructed in November 1974 and the FIRM date was May 3, 1973. The old map showed the building’s location as Zone C. Ten years later in 1984, a new map placed the building in an A zone. Flood insurance coverage was applied for after the map was revised. To use the old map showing Zone C as the rating zone, proper documentation must be submitted. E. Post-’81 V Zone Optional Rating This optional rating is available for new and renewal policies and endorsements with effective dates on or after October 1, 1997. Policies for 1975 through 1981 Post-FIRM and Pre-FIRM buildings in Zones VE and V1-V30 are allowed to use the Post-’81 V Zone rate tables (Tables 3E or 3F) if the rates are more favorable to the insured. In order to qualify, the following criteria must be met: 1. The policy must be rated using the BFE printed on the FIRM panel that includes wave height. The effective date of the FIRM panel must be on or after 10/1/81. 2. The building rates are determined based on the ratio of the estimated building replacement cost and the amount of insurance purchased. 3. The building must be elevated free of obstruction or with obstruction less than 300 square feet. All machinery and equipment located below the BFE are considered obstructions. F. Policies Requiring Re-Rating The following conditions require that the policies be rated using the new map: 1. If an elevation-rated building is altered, making the lowest floor for rating purposes below the BFE. Example: An elevated building is located in an AE Zone at the time of construction. The Lowest Floor Elevation (LFE) was 18’. The BFE was 10’. The Lowest Floor rating was a +8 elevation differential. The map was revised, changing the BFE to 11’. The insured decided to enclose the area beneath the elevated floor and use it as a living area. This changed the LFE to 9’. Due to the alteration, the new map must be used and the building is rated as -2. 2. If a Pre-FIRM or Post-FIRM building is substantially improved, the building must be re-rated using the FIRM in effect at the time that the substantial improvement occurred. A newer FIRM can always be used if it will result in a more favorable rating. Example: A building was constructed in 1972 and, when flood insurance was applied for in 1976, was found to be located in Zone C. The FIRM was revised in 1984. The building was substantially improved in 1985. Due to the improvement, the building must now be re-rated as Post-FIRM construction using the 1984 map, or the most recent map can be used if it will result in a more favorable rating. If ineligible for renewal as a Preferred Risk Policy because of a map change, the risk must be rewritten as a Standard Flood Insurance Policy. 3. If a Pre-FIRM or Post-FIRM building has been declared substantially damaged by a local community official, the agent must verify that the repair and/or reconstruction of the building has been made before the policy can be re-rated using the FIRM in effect at the time of the substantial improvement. In the event that the repair and/or reconstruction have not been made, the writing company may renew the policy using the proper rating prior to the loss. The agent/insured must notify the writing company when the actual repair is completed so the policy can be re-rated usign the correct FIRM. Example: A building was constructed in 1986. Late that year, when the building was purchased and flood insurance was applied for, the building was found to be located in Zone A15. The FIRM was revised in February 2005. In August 2005, a major hurricane caused severe flooding and wind damage in the county in which the building is located. The community declared the building substantially damaged by flood. However, because of widespread devastation throughout the area, the property owner had difficulty finding a repair contractor. When the policy came up for renewal in December, repair of the building had barely begun. The policy may be renewed under its pre-flood rating. G. Submit-for-Rate Certain properties at high flood risk, because of peculiarities in their exposure to flooding, do not lend themselves to preprogrammed rates. These risks require an in-depth underwriting analysis and must be submitted to the NFIP for an individual (specific) rate. As with other lines of property insurance, the underwriter requires documentation to evaluate those risk characteristics that make up the basis for a proper rate. The NFIP's two-fold goal of establishing sound actuarial rates and obtaining information for enforcing floodplain management requires that the following documentation be supplied for risks that fall within the submit-for-rate category: 1. Completed NFIP Flood Insurance Application. 2. Completed current Elevation Certificate. 3. Variance issued by the local community stating that permission was granted to construct the building. If no variance was granted, a statement to that effect signed by the applicant or the applicant's representative is required. 4. Recent photographs of the building (front and back), or a blueprint (layout of the building) if the building is under construction. 5. The square footage of any enclosures or crawlspaces below the elevated floor, the use of the enclosure/crawlspace, a list of machinery and equipment, and the approximate value of each item located in the enclosure/crawlspace. 6. If the area below the elevated floor is enclosed using masonry walls and these walls are represented as being breakaway walls in V Zones, a signed letter of verification from a local building official, an engineer, or an architect. 7. A statement from the applicant or the applicant's representative that the enclosure was built at the time that the building was originally constructed, or at a later date (give date). 8. If the building has a basement, a list of machinery and equipment located in the basement and each item's approximate value. 9. For elevated buildings, an Elevated Building Determination Form signed by the insured. 10. For all Post ’81 V-Zone, non-elevated buildings, foundation/structural plans or, if foundation/structural plans are not available, a written statement from the applicant or agent providing the same information. For Submit-for-Rate policies written as NFIP direct business, all of the appropriate documentation listed above must be mailed to the NFIP Servicing Agent, P.O. Box 2965, Shawnee Mission, KS 66201-1365. If the building is insurable, the Servicing Agent will deliver a written rate and the applicable ICC premium to the producer. Since a rate must be determined on these risks, no premium is to accompany the submission. Coverage will be effective 30 days after the receipt of the premium at the NFIP, with the following three exceptions: . If the coverage is in conjunction with the making, increasing, extending, or renewing of a loan, the effective date is on the day and time of the loan closing, provided that the policy is applied for and the presentment of premium is made at or prior to the loan closing. . If a lender determines that a loan on a building located in an SFHA does not have flood insurance coverage but should be covered, then the coverage is effective upon the completion of an application and presentment of premium. . If the new policy is being obtained as a result of a revision to a community’s flood map, during the 13-month period beginning on the effective date of the map revision, the effective date shall be 12:01 a.m., local time, following the day after the presentment of premium. For the NFIP direct business, the presentment of premium is the same as the receipt date of the full premium at the NFIP Servicing Agent. Submit-for-Rate quotations, excluding the ICC premium, Federal Policy Fee, and Probation Surcharge, if applicable, are valid for 90 days. After 90 days, the Flood Insurance Application and supporting documentation must be resubmitted for another determination of the rating. H. Crawlspace A building with a “crawlspace” (under-floor space) has its interior floor area (finished or not) no more than 5 feet below the top of the next higher floor. If a crawlspace is below grade on all sides, and the elevation of the crawlspace floor is below the Base Flood Elevation (BFE), the crawlspace must be rated according to the guidelines found on pages LFG 28-29. For the purpose of completing the Flood Insurance Application, the building must be described as a “non-elevated building with basement.” NFIP rules and regulations specify that a crawlspace with its interior floor below grade on all sides is considered a “basement”; therefore, the Standard Flood Insurance Policy basement coverage limitations apply to such crawlspaces. A building with a crawlspace that is not subgrade must be described as an elevated building. Pre-FIRM buildings with subgrade crawlspaces that are below the BFE may use optional Post-FIRM elevation rating. Follow the Submit-for-Rate procedures when using this optional rating. TABLE 10. V-ZONE RISK RATING RELATIVITIES TABLE Building Point Total1 No Obstruction Rates With Obstruction Rates Replacement Cost Ratio .75 or More Replacement Cost Ratio .50 to .74 Replacement Cost Ratio Under .50 Replacement Cost Ratio .75 or More Replacement Cost Ratio .50 to .74 Replacement Cost Ratio Under .50 Less than 225 1.000 1.000 1.000 1.000 1.000 1.000 225 – 275 1.000 1.000 1.000 1.000 1.000 1.000 276 – 325 1.000 1.000 1.000 0.950 0.950 1.000 326 – 375 0.900 0.950 1.000 0.950 0.975 1.000 376 – 425 0.800 0.850 0.900 0.875 0.925 0.950 426 – 475 0.700 0.750 0.800 0.800 0.850 0.900 476 – 525 0.600 0.650 0.700 0.725 0.775 0.825 526 – 575 0.500 0.575 0.650 0.650 0.700 0.750 576 – 625 0.400 0.500 0.600 0.600 0.650 0.700 1Subtract from your Building Point Total all points assigned for Item I. LOWEST FLOOR ELEVATION and Item IV.A.1. Free of Obstruction because these factors are included in the rate prior to application of any V-Zone Risk Factor Rating Credit. RATE 33 October 1, 2010 This page is intentionally left blank. RATE 35 October 1, 2010 RATE 37 October 1, 2010 RATE 39 October 1, 2010 RATE 41 October 1, 2010 RATE 43 October 1, 2010 RATE 45 October 1, 2010 RATE 47 October 1, 2010 XIX. RATING EXAMPLES CONTENTS EXAMPLE PAGE Example 1 Emergency Program, Standard Deductible ....................................................... RATE 50 Example 2 Regular Program, Pre-FIRM Construction, $2,000/$1,000 Deductible Option, Zone B................................................................................. RATE 51 Example 3 Regular Program, Pre-FIRM Construction, $1,000 Deductible Option (Surcharge), Zone AE........................................................................................ RATE 52 Example 4 Regular Program, Pre-FIRM Construction, $3,000/$2,000 Deductible Option, Zone A15............................................................................. RATE 53 Example 5 Regular Program, Post-FIRM, Elevation Rated, $5,000/$5,000 Deductible Option, Zone AE.............................................................................. RATE 54 Example 6 Regular Program, 1975-81 Post-FIRM V1-V30, Elevation Rated, Zone V13 ........................................................................................................... RATE 55 Example 7 Regular Program, Post-1981 VE or V1-V30, with Enclosure, Zone VE ............ RATE 56 Example 8 Regular Program, Post-FIRM Construction, Contents-Only Policy, Zone A17 ........................................................................................................... RATE 57 Example 9 Regular Program, Post-FIRM, Elevation Rated, $5,000/$5,000 Deductible Option, Zone AO.............................................................................. RATE 58 Example 10 Regular Program, Post-FIRM, Elevation Rated, $1,000/$1,000 Deductible Option, Zone AO (With Certification of Compliance) ....................... RATE 59 Example 11 Regular Program, Post-FIRM, Elevation Rated, $3,000/$2,000 Deductible Option, Zone AH.............................................................................. RATE 60 Example 12 Regular Program, Post-FIRM, Elevation Rated, $1,000/$1,000 Deductible Option, Zone AH (With Certification of Compliance) ....................... RATE 61 Example 13 Regular Program, Post-FIRM, Elevation Rated, $1,000/$1,000 Deductible Option, Zone A (with Estimated BFE) .............................................. RATE 62 Example 14 Regular Program, Post-FIRM, Elevation Rated, $1,000/$1000 Deductible Option, Zone A (without Estimated BFE) ......................................... RATE 63 EXAMPLE 1 EMERGENCY PROGRAM, STANDARD DEDUCTIBLE Data Essential to Determine Appropriate Rates and Premium: . Emergency Program . Flood Zone: N/A . Occupancy: Single-Family Dwelling . # of Floors: 1 Floor . Basement/Enclosure: None . Deductible: $2,000/$2,000 . Deductible Factor: 1.000 . Contents Location: Lowest Floor Above Ground Level . Date of Construction: Pre-FIRM . Elevation Difference: N/A . Flood Proofed Yes/No: No . Building Coverage: $35,000 . Contents: $10,000 . ICC Premium: N/A . CRS Rating: N/A . CRS Discount: N/A Determined Rates: Building: .76 Contents: .96 COVERAGE BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM PREM. REDUCTION/ INCREASE TOTAL AMOUNT OF INSURANCE BUILDING 35,000 .76 266 0 35,000 266 CONTENTS 10,000 .96 96 0 10,000 96 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) . MANUAL . SUBMIT FOR RATING . ALTERNATIVE . V-ZONE RISK RATING FORM . PROVISIONAL RATING . LEASED FEDERAL PROPERTY . MORTGAGE PORTFOLIO PROTECTION PROGRAM PAYMENT OPTION: . CREDIT CARD . OTHER: ANNUAL SUBTOTAL 362 ICC PREMIUM . SUBTOTAL 362 CRS PREMIUM DISCOUNT % . SUBTOTAL 362 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) PROBATION SURCHARGE . FEDERAL POLICY FEE 40 TOTAL PREPAID AMOUNT 402 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $266 / Contents: $96 2. Apply Deductible Factor: Building: 1.000 x $266 = $266 / Contents: 1.000 x $96 = $96 3. Premium Reduction/Increase: Building: $0 / Contents: $0 4. Subtotal: $362 5. Add ICC Premium: N/A 6. Subtract CRS Discount: N/A 7. Subtotal: $362 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $40 10. Total Prepaid Amount: $402 EXAMPLE 2 REGULAR PROGRAM, PRE-FIRM CONSTRUCTION, $2,000/$1,000 DEDUCTIBLE OPTION, ZONE B Data Essential to Determine Appropriate Rates and Premium: . Regular Program . Flood Zone: B . Occupancy: Single-Family Dwelling . # of Floors: 2 Floors . Basement/Enclosure: None . Deductible: $2,000/$1,000 . Deductible Factor: 0.95 . Contents Location: Lowest Floor Above Ground Level and Higher Floors . Date of Construction: Pre-FIRM . Elevation Difference: N/A . Flood Proofed Yes/No: No . Building Coverage: $150,000 . Contents Coverage: $60,000 . ICC Premium: $5 . CRS Rating: N/A . CRS Discount: N/A Determined Rates: Building: .86/.23 Contents: 1.32/.41 COVERAGE BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM PREM. REDUCTION/ INCREASE TOTAL AMOUNT OF INSURANCE BUILDING 60,000 .86 516 90,000 .23 207 -36 150,000 687 CONTENTS 25,000 1.32 330 35,000 .41 144 -24 60,000 450 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) . MANUAL . SUBMIT FOR RATING . ALTERNATIVE . V-ZONE RISK RATING FORM . PROVISIONAL RATING . LEASED FEDERAL PROPERTY . MORTGAGE PORTFOLIO PROTECTION PROGRAM PAYMENT OPTION: . CREDIT CARD . OTHER: ANNUAL SUBTOTAL 1,137 ICC PREMIUM 5 SUBTOTAL 1,142 CRS PREMIUM DISCOUNT % . SUBTOTAL 1,142 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) PROBATION SURCHARGE . FEDERAL POLICY FEE 40 TOTAL PREPAID AMOUNT 1,182 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $723 / Contents: $474 2. Apply Deductible Factor: Building: 0.95 x $723 = $687 / Contents: 0.95 x $474 = $450 3. Premium Decrease: Building: $723 - $687 = $36 / Contents: $474 - 450 = $24 4. Subtotal: $1,132 5. Add ICC Premium: $5 6. Subtract CRS Discount: N/A 7. Subtotal: $1,142 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $40 10. Total Prepaid Amount: $1,182 EXAMPLE 3 REGULAR PROGRAM, PRE-FIRM CONSTRUCTION, $1,000 DEDUCTIBLE OPTION (SURCHARGE), ZONE AE Data Essential to Determine Appropriate Rates and Premium: . Regular Program . Flood Zone: AE . Occupancy: Single-Family Dwelling . # of Floors: 2 Floors . Basement/Enclosure: Enclosure . Deductible: $1000/$1000 . Deductible Factor: 1.100 . Contents Location: Enclosure and Above . Date of Construction: Pre-FIRM . Elevation Difference: N/A . Flood Proofed Yes/No: No . Building Coverage: $150,000 . Contents Coverage: $60,000 . ICC Premium: $70 . CRS Rating: N/A . CRS Discount: N/A Determined Rates: Building: .81/1.06 Contents: .96/1.07 COVERAGE BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM PREM. REDUCTION/ INCREASE TOTAL AMOUNT OF INSURANCE BUILDING 60,000 .81 486 90,000 1.06 954 +144 150,000 1,584 CONTENTS 25,000 .96 240 35,000 1.07 375 +62 60,000 677 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) . MANUAL . SUBMIT FOR RATING . ALTERNATIVE . V-ZONE RISK RATING FORM . PROVISIONAL RATING . LEASED FEDERAL PROPERTY . MORTGAGE PORTFOLIO PROTECTION PROGRAM PAYMENT OPTION: . CREDIT CARD . OTHER: ANNUAL SUBTOTAL 2,261 ICC PREMIUM 70 SUBTOTAL 2,331 CRS PREMIUM DISCOUNT % . SUBTOTAL 2,331 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) PROBATION SURCHARGE . FEDERAL POLICY FEE 40 TOTAL PREPAID AMOUNT 2,371 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $1,440 / Contents: $615 2. Apply Deductible Factor: Building: 1.100 x $1,440 = $1,584 / Contents: 1.100 x $615 = $677 3. Premium Increase: Building: $1,584 - $1,440 = $144 / Contents: $677 - $615 = $62 4. Subtotal: $2,261 5. Add ICC Premium: $70 6. Subtract CRS Discount: N/A 7. Subtotal: $2,331 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $40 10. Total Prepaid Amount: $2,371 EXAMPLE 4 REGULAR PROGRAM, PRE-FIRM CONSTRUCTION, $3,000/$2,000 DEDUCTIBLE OPTION, ZONE A15 Data Essential to Determine Appropriate Rates and Premium: . Regular Program . Flood Zone: A15 . Occupancy: Single-Family Dwelling . # of Floors: 3 Floors . Basement/Enclosure: Basement . Deductible: $3,000/$2,000 Building and Contents . Deductible Factor: .950 . Contents Location: Basement and Above . Date of Construction: Pre-FIRM . Elevation Difference: N/A . Flood Proofed Yes/No: No . Building Coverage: $250,000 . Contents Coverage: $100,000 . ICC Premium: $55 . CRS Rating: 4 . CRS Discount: 30% Determined Rates: Building: .81/.88 Contents: .96/.90 COVERAGE BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM PREM. REDUCTION/ INCREASE TOTAL AMOUNT OF INSURANCE BUILDING 60,000 .81 486 190,000 .88 1,672 -108 250,000 2,050 CONTENTS 25,000 .96 240 75,000 .90 675 -46 100,000 869 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) . MANUAL . SUBMIT FOR RATING . ALTERNATIVE . V-ZONE RISK RATING FORM . PROVISIONAL RATING . LEASED FEDERAL PROPERTY . MORTGAGE PORTFOLIO PROTECTION PROGRAM PAYMENT OPTION: . CREDIT CARD . OTHER: ANNUAL SUBTOTAL 2,919 ICC PREMIUM 55 SUBTOTAL 2,974 CRS PREMIUM DISCOUNT 30% -892 SUBTOTAL 2,082 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) PROBATION SURCHARGE . FEDERAL POLICY FEE 40 TOTAL PREPAID AMOUNT 2,122 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $2,158 / Contents: $915 2. Apply Deductible Factor: Building: .950 x $2,158 = $2,050/ Contents: .950 x $915 = $869 3. Premium Reduction: Building: $2,158 - $2,050 = $108 / Contents: $915 - $869 = $46 4. Subtotal: $2,919 5. Add ICC Premium: $55 6. Subtract CRS Discount: -$892 (30%) 7. Subtotal: $2,082 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $40 10. Total Prepaid Amount: $2,122 EXAMPLE 5 REGULAR PROGRAM, POST-FIRM, ELEVATION RATED, $5,000/$5,000 DEDUCTIBLE OPTION, ZONE AE Data Essential to Determine Appropriate Rates and Premium: . Regular Program . Flood Zone: AE . Occupancy: Non-Residential . # of Floors: 2 Floors . Basement/Enclosure: None . Deductible: $5,000/$5,000 . Deductible Factor: .890 . Contents Location: Above Ground Level and Higher Floors . Date of Construction: Post-FIRM . Elevation Difference: +4 . Flood Proofed Yes/No: No . Building Coverage: $500,000 . Contents Coverage: $500,000 . ICC Premium: $4 . CRS Rating: 5 . CRS Discount: 25% Determined Rates: Building: .20/.08 Contents: .22/.12 COVERAGE BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM PREM. REDUCTION/ INCREASE TOTAL AMOUNT OF INSURANCE BUILDING 175,000 .20 350 325,000 .08 260 -67 500,000 543 CONTENTS 150,000 .22 330 350,000 .12 420 -82 500,000 668 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) . MANUAL . SUBMIT FOR RATING . ALTERNATIVE . V-ZONE RISK RATING FORM . PROVISIONAL RATING . LEASED FEDERAL PROPERTY . MORTGAGE PORTFOLIO PROTECTION PROGRAM PAYMENT OPTION: . CREDIT CARD . OTHER: ANNUAL SUBTOTAL 1,211 ICC PREMIUM 4 SUBTOTAL 1,215 CRS PREMIUM DISCOUNT 25% -304 SUBTOTAL 911 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) PROBATION SURCHARGE . FEDERAL POLICY FEE 40 TOTAL PREPAID AMOUNT 951 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $610 / Contents: $750 2. Apply Deductible Factor: Building: .890 x $610 = $543 / Contents: .890 x $750 = $668 3. Premium Reduction: Building: $610 - $543 = $67 / Contents: $750 - $668 = $82 4. Subtotal: $1,211 5. Add ICC Premium: $4 6. Subtract CRS Discount: -$304 (25%) 7. Subtotal: $911 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $40 10. Total Prepaid Amount: $951 EXAMPLE 6 REGULAR PROGRAM, 1975-81 POST-FIRM V1-V30, ELEVATION RATED, ZONE V13 Data Essential to Determine Appropriate Rates and Premium: . Regular Program . Flood Zone: V13 . Occupancy: Single-Family Dwelling . # of Floors: 2 Floors . Basement/Enclosure: None . Deductible: $1,000/$1,000 . Deductible Factor: 1.000 . Contents Location: Lowest Floor Above Ground Level and Higher Floors . Date of Construction: 1975 - 81 (Post-FIRM) . Elevation Difference: +1 . Flood Proofed Yes/No: No . Building Coverage: $150,000 . Contents Coverage: $100,000 . ICC Premium: $30 . CRS Rating: 8 . CRS Discount: 10% Determined Rates: Building: 2.28/.51 Contents: 2.83/.67 COVERAGE BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM PREM. REDUCTION/ INCREASE TOTAL AMOUNT OF INSURANCE BUILDING 60,000 2.28 1,368 90,000 .51 459 0 150,000 1,827 CONTENTS 25,000 2.83 708 75,000 .67 503 0 100,000 1,211 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) . MANUAL . SUBMIT FOR RATING . ALTERNATIVE . V-ZONE RISK RATING FORM . PROVISIONAL RATING . LEASED FEDERAL PROPERTY . MORTGAGE PORTFOLIO PROTECTION PROGRAM PAYMENT OPTION: . CREDIT CARD . OTHER: ANNUAL SUBTOTAL 3,038 ICC PREMIUM 30 SUBTOTAL 3,068 CRS PREMIUM DISCOUNT 10% -307 SUBTOTAL 2,761 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) PROBATION SURCHARGE . FEDERAL POLICY FEE 40 TOTAL PREPAID AMOUNT 2,801 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $1,827 / Contents: $1,211 2. Apply Deductible Factor: Building: 1.000 x $1,827 = $1,827/Contents:1.000 x $1,211 = $1,211 3. Premium Reduction/Increase: Building: $0 / Contents: $0 4. Subtotal: $3,038 5. Add ICC Premium: $30 6. Subtract CRS Discount: -$307 (10%) 7. Subtotal: $2,761 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $40 10. Total Prepaid Amount: $2,801 EXAMPLE 7 REGULAR PROGRAM, POST-1981 VE OR V1-V30, WITH ENCLOSURE, ZONE VE Data Essential to Determine Appropriate Rates and Premium: . Regular Program . Flood Zone: VE . Occupancy: Single-Family Dwelling . # of Floors: 3 or More Floors . Basement/Enclosure: Enclosure (< 300 sq. ft., w/o M&E) . Deductible: $3,000/$3,000 . Deductible Factor: .850 . Contents Location: Lowest Floor Above Ground Level and Higher Floors . Date of Construction: Post-81 . Elevation Difference: -1 . Flood Proofed Yes/No: No . Replacement Cost: $300,000 . Building Coverage: $250,000 . Contents Coverage: $100,000 . ICC Premium: $13 . CRS Rating: 9 . CRS Discount: N/A Determined Rates: Building: 3.75 / 3.75 Contents: 2.81 / 2.81 COVERAGE BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM PREM. REDUCTION/ INCREASE TOTAL AMOUNT OF INSURANCE BUILDING 60,000 3.75 2,250 190,000 3.75 7,125 -1,406 250,000 7,969 CONTENTS 25,000 2.81 703 75,000 2.81 2,108 -422 100,000 2,389 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) . MANUAL . SUBMIT FOR RATING . ALTERNATIVE . V-ZONE RISK RATING FORM . PROVISIONAL RATING . LEASED FEDERAL PROPERTY . MORTGAGE PORTFOLIO PROTECTION PROGRAM PAYMENT OPTION: . CREDIT CARD . OTHER: ANNUAL SUBTOTAL 10,358 ICC PREMIUM 13 SUBTOTAL 10,371 CRS PREMIUM DISCOUNT % . SUBTOTAL 10,371 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) PROBATION SURCHARGE . FEDERAL POLICY FEE 40 TOTAL PREPAID AMOUNT 10,411 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $9,375 / Contents: $2,811 2. Apply Deductible Factor: Building: .850 x $9,375 = $7,969 / Contents: .850 x $2,811 = $2,389 3. Premium Reduction: Building: $9,375 - $7,969 = $1,406 / Contents: $2,811 - $2,389 = $422 4. Subtotal: $10,358 5. Add ICC Premium: $13 6. Subtract CRS Discount: N/A 7. Subtotal: $10,371 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $40 10. Total Prepaid Amount: $10,411 RATE 56 October 1, 2010 EXAMPLE 8 REGULAR PROGRAM, POST-FIRM CONSTRUCTION, CONTENTS-ONLY POLICY, ZONE A17 Data Essential to Determine Appropriate Rates and Premium: . Regular Program . Flood Zone: A17 . Occupancy: 2-4 Family Dwelling (Renter’s Policy) . # of Floors: 2 Floors . Basement/Enclosure: None . Deductible: $1,000 . Deductible Factor: 1.000 . Contents Location: Above Ground Level More than One Full Floor . Date of Construction: Post-FIRM . Elevation Difference: +2 . Flood Proofed Yes/No: No . Building Coverage: N/A . Contents Coverage: $100,000 . ICC Premium: N/A . CRS Rating: N/A . CRS Discount: N/A Determined Rates: Building: N/A Contents: .35/.12 COVERAGE BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM PREM. REDUCTION/ INCREASE TOTAL AMOUNT OF INSURANCE BUILDING 0 CONTENTS 25,000 .35 88 75,000 .12 90 0 100,000 178 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) . MANUAL . SUBMIT FOR RATING . ALTERNATIVE . V-ZONE RISK RATING FORM . PROVISIONAL RATING . LEASED FEDERAL PROPERTY . MORTGAGE PORTFOLIO PROTECTION PROGRAM PAYMENT OPTION: . CREDIT CARD . OTHER: ANNUAL SUBTOTAL 178 ICC PREMIUM . SUBTOTAL 178 CRS PREMIUM DISCOUNT % . SUBTOTAL 178 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) PROBATION SURCHARGE . FEDERAL POLICY FEE 40 TOTAL PREPAID AMOUNT 218 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: N/A / Contents: $178 2. Apply Deductible Factor: Building: N/A / Contents: 1.000 x $178 = $178 3. Premium Reduction/Increase: Building: N/A / Contents: $0 4. Subtotal: $178 5. Add ICC Premium: N/A 6. Subtract CRS Discount: N/A 7. Subtotal: $178 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $40 10. Total Prepaid Amount: $218 EXAMPLE 9 REGULAR PROGRAM, POST-FIRM, ELEVATION RATED, $5,000/$5,000 DEDUCTIBLE OPTION, ZONE AO Data Essential to Determine Appropriate Rates and Premium: . Regular Program . Flood Zone: AO . Occupancy: Non-Residential . # of Floors: 2 Floors . Basement/Enclosure: None . Deductible: $5,000/$5,000 . Deductible Factor: .890 . Contents Location: Above Ground Level and Higher Floors . Date of Construction: Post-FIRM . Elevation Difference: -1 . Flood Proofed Yes/No: No . Building Coverage: $500,000 . Contents Coverage: $500,000 . ICC Premium: $4 . CRS Rating: 5 . CRS Discount: N/A Determined Rates: Building: 1.10/.32 Contents: 1.97/.29 COVERAGE BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM PREM. REDUCTION/ INCREASE TOTAL AMOUNT OF INSURANCE BUILDING 175,000 1.10 1,925 325,000 .32 1,040 -326 500,000 2,639 CONTENTS 150,000 1.97 2,955 350,000 .29 1,015 -437 500,000 3,533 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) . MANUAL . SUBMIT FOR RATING . ALTERNATIVE . V-ZONE RISK RATING FORM . PROVISIONAL RATING . LEASED FEDERAL PROPERTY . MORTGAGE PORTFOLIO PROTECTION PROGRAM PAYMENT OPTION: . CREDIT CARD . OTHER: ANNUAL SUBTOTAL 6,172 ICC PREMIUM 4 SUBTOTAL 6,176 CRS PREMIUM DISCOUNT % . SUBTOTAL 6,176 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) PROBATION SURCHARGE . FEDERAL POLICY FEE 40 TOTAL PREPAID AMOUNT 6,216 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $2,965 / Contents: $3,970 2. Apply Deductible Factor: Building: .890 x $2,965 = $2,639 / Contents: .890 x $3,970 = $3,533 3. Premium Reduction: Building: $2,965 - $2,639 = $326 / Contents: $3,970 - $3,533 = $437 4. Subtotal: $6,172 5. Add ICC Premium: $4 6. Subtract CRS Discount: N/A 7. Subtotal: $6,176 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $40 10. Total Prepaid Amount: $6,216 EXAMPLE 10 REGULAR PROGRAM, POST-FIRM, ELEVATION RATED, $1,000/$1,000 DEDUCTIBLE OPTION, ZONE AO (WITH CERTIFICATION OF COMPLIANCE) Data Essential to Determine Appropriate Rates and Premium: . Regular Program . Flood Zone: AO (With Certification of Compliance) . Occupancy: Single-Family Dwelling . # of Floors: 2 Floors . Basement/Enclosure: None . Deductible: $1,000/$1,000 . Deductible Factor: 1.000 . Contents Location: Above Ground Level and Higher Floors . Date of Construction: Post-FIRM . Elevation Difference: +1 . Flood Proofed Yes/No: No . Building Coverage: $250,000 . Contents Coverage: $100,000 . ICC Premium: $4 . CRS Rating: N/A . CRS Discount: N/A Determined Rates: Building: .28/.08 Contents: .38/.13 COVERAGE BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM PREM. REDUCTION/ INCREASE TOTAL AMOUNT OF INSURANCE BUILDING 60,000 .28 168 190,000 .08 152 0 250,000 320 CONTENTS 25,000 .38 95 75,000 .13 98 0 100,000 193 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) . MANUAL . SUBMIT FOR RATING . ALTERNATIVE . V-ZONE RISK RATING FORM . PROVISIONAL RATING . LEASED FEDERAL PROPERTY . MORTGAGE PORTFOLIO PROTECTION PROGRAM PAYMENT OPTION: . CREDIT CARD . OTHER: ANNUAL SUBTOTAL 513 ICC PREMIUM 4 SUBTOTAL 517 CRS PREMIUM DISCOUNT % — SUBTOTAL 517 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) PROBATION SURCHARGE — FEDERAL POLICY FEE 40 TOTAL PREPAID AMOUNT 557 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $320 / Contents: $193 2. Apply Deductible Factor: Building: 1.000 x $320 = $320 / Contents: 1.000 x $193 = $193 3. Premium Reduction/Increase: Building: $0 / Contents: = $0 4. Subtotal: $513 5. Add ICC Premium: $4 6. Subtract CRS Discount: N/A 7. Subtotal: $517 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $40 10. Total Prepaid Amount: $557 EXAMPLE 11 REGULAR PROGRAM, POST-FIRM, ELEVATION RATED, $3,000/$2,000 DEDUCTIBLE OPTION, ZONE AH Data Essential to Determine Appropriate Rates and Premium: . Regular Program . Flood Zone: AH . Occupancy: Single-Family Dwelling . # of Floors: 1 Floor . Basement/Enclosure: None . Deductible: $3,000/$2,000 . Deductible Factor: .875 . Contents Location: Lowest Floor Above Ground Level . Date of Construction: Post-FIRM . Elevation Difference: -1 . Flood Proofed Yes/No: No . Building Coverage: $250,000 . Contents Coverage: $25,000 . ICC Premium: $4 . CRS Rating: N/A . CRS Discount: N/A Determined Rates: Building: 1.02/.21 Contents: 1.17/.22 COVERAGE BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM PREM. REDUCTION/ INCREASE TOTAL AMOUNT OF INSURANCE BUILDING 60,000 1.02 612 190,000 .21 399 -126 250,000 885 CONTENTS 25,000 1.17 293 0 .22 0 -37 25,000 256 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) . MANUAL . SUBMIT FOR RATING . ALTERNATIVE . V-ZONE RISK RATING FORM . PROVISIONAL RATING . LEASED FEDERAL PROPERTY . MORTGAGE PORTFOLIO PROTECTION PROGRAM PAYMENT OPTION: . CREDIT CARD . OTHER: ANNUAL SUBTOTAL 1,141 ICC PREMIUM 4 SUBTOTAL 1,145 CRS PREMIUM DISCOUNT _____% — SUBTOTAL 1,145 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) PROBATION SURCHARGE — FEDERAL POLICY FEE 40 TOTAL PREPAID AMOUNT 1,185 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $1,011 / Contents: $293 2. Apply Deductible Factor: Building: .875 x $1,011 = $885 / Contents: .875 x $293 = $256 3. Premium Reduction: Building: $1,011 - $885 = $126 / Contents = $293 - $256 = $37 4. Subtotal: $1,141 5. Add ICC Premium: $4 6. Subtract CRS Discount: N/A 7. Subtotal: $1,145 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $40 10. Total Prepaid Amount: $1,185 EXAMPLE 12 REGULAR PROGRAM, POST-FIRM, ELEVATION RATED, $1,000/$1,000 DEDUCTIBLE OPTION, ZONE AH (WITH CERTIFICATION OF COMPLIANCE) Data Essential to Determine Appropriate Rates and Premium: . Regular Program . Flood Zone: AH (With Certification of Compliance) . Occupancy: 2-4 Family Dwelling . # of Floors: 2 Floors . Basement/Enclosure: None . Deductible: $1,000/$1,000 . Deductible Factor: 1.000 . Contents Location: Above Ground Level and Higher Floors . Date of Construction: Post-FIRM . Elevation Difference: +3 . Flood Proofed Yes/No: No . Building Coverage: $200,000 . Contents Coverage: $40,000 . ICC Premium: $5 . CRS Rating: N/A . CRS Discount: N/A Determined Rates: Building: .28/.08 Contents: .38/.13 COVERAGE BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM PREM. REDUCTION/ INCREASE TOTAL AMOUNT OF INSURANCE BUILDING 60,000 .28 168 140,000 .08 112 0 200,000 280 CONTENTS 25,000 .38 95 15,000 .13 20 0 40,000 115 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) . MANUAL . SUBMIT FOR RATING . ALTERNATIVE . V-ZONE RISK RATING FORM . PROVISIONAL RATING . LEASED FEDERAL PROPERTY . MORTGAGE PORTFOLIO PROTECTION PROGRAM PAYMENT OPTION: . CREDIT CARD . OTHER: ANNUAL SUBTOTAL 395 ICC PREMIUM 5 SUBTOTAL 400 CRS PREMIUM DISCOUNT % — SUBTOTAL 400 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) PROBATION SURCHARGE — FEDERAL POLICY FEE 40 TOTAL PREPAID AMOUNT 440 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $280 / Contents: $115 2. Apply Deductible Factor: Building: 1.000 x $280 = $280 / Contents: 1.000 x $115 = $115 3. Premium Reduction/Increase: Building: $0 / Contents: $0 4. Subtotal: $395 5. Add ICC Premium: $5 6. Subtract CRS Discount: N/A 7. Subtotal: $400 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $40 10. Total Prepaid Amount: $440 EXAMPLE 13 REGULAR PROGRAM, POST-FIRM, ELEVATION RATED, $1,000/$1,000 DEDUCTIBLE OPTION, ZONE A (WITH ESTIMATED BFE) Data Essential to Determine Appropriate Rates and Premium: . Regular Program . Flood Zone: A . Occupancy: 2-4 Family Dwelling . # of Floors: 2 Floors . Basement/Enclosure: None . Deductible: $1000/$1000 . Deductible Factor: 1.000 . Contents Location: Above Ground Level and Higher Floors . Date of Construction: Post-FIRM . Elevation Difference: +6 (with Estimated BFE) . Flood Proofed Yes/No: No . Building Coverage: $140,000 . Contents Coverage: $70,000 . ICC Premium: $5 . CRS Rating: N/A . CRS Discount: N/A Determined Rates: Building: .44/.08 Contents: .44/.12 COVERAGE BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM PREM. REDUCTION/ INCREASE TOTAL AMOUNT OF INSURANCE BUILDING 60,000 .44 264 80,000 .08 64 0 140,000 328 CONTENTS 25,000 .44 110 45,000 .12 54 0 70,000 164 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) . MANUAL . SUBMIT FOR RATING . ALTERNATIVE . V-ZONE RISK RATING FORM . PROVISIONAL RATING . LEASED FEDERAL PROPERTY . MORTGAGE PORTFOLIO PROTECTION PROGRAM PAYMENT OPTION: . CREDIT CARD . OTHER: ANNUAL SUBTOTAL 492 ICC PREMIUM 5 SUBTOTAL 497 CRS PREMIUM DISCOUNT % — SUBTOTAL 497 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) PROBATION SURCHARGE — FEDERAL POLICY FEE 40 TOTAL PREPAID AMOUNT 537 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $328 / Contents: $164 2. Apply Deductible Factor: Building: 1.000 x $328 = $328 / Contents: 1.000 x $164 = $164 3. Premium Reduction/Increase: Building: $0 / Contents = $0 4. Subtotal: $492 5. Add ICC Premium: $5 6. Subtract CRS Discount: N/A 7. Subtotal: $497 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $40 10. Total Prepaid Amount: $537 EXAMPLE 14 REGULAR PROGRAM, POST-FIRM, ELEVATION RATED, $1,000/$1,000 DEDUCTIBLE OPTION, ZONE A (WITHOUT ESTIMATED BFE) Data Essential to Determine Appropriate Rates and Premium: . Regular Program . Flood Zone: A . Occupancy: Single-Family Dwelling . # of Floors: 2 Floors . Basement/Enclosure: None . Deductible: $1,000/$1,000 . Deductible Factor: 1.000 . Contents Location: Lowest Floor Above Ground Level and Higher Floors . Date of Construction: Post-FIRM . Elevation Difference: +5 (without Estimated BFE) . Flood Proofed Yes/No: No . Building Coverage: $135,000 . Contents Coverage: $60,000 . ICC Premium: $5 . CRS Rating: N/A . CRS Discount: N/A Determined Rates: Building: .40/.09 Contents: .49/.12 COVERAGE BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM PREM. REDUCTION/ INCREASE TOTAL AMOUNT OF INSURANCE BUILDING 60,000 .40 240 75,000 .09 68 0 135,000 308 CONTENTS 25,000 .49 123 35,000 .12 42 0 60,000 165 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) . MANUAL . SUBMIT FOR RATING . ALTERNATIVE . V-ZONE RISK RATING FORM . PROVISIONAL RATING . LEASED FEDERAL PROPERTY . MORTGAGE PORTFOLIO PROTECTION PROGRAM PAYMENT OPTION: . CREDIT CARD . OTHER: ANNUAL SUBTOTAL 473 ICC PREMIUM 5 SUBTOTAL 478 CRS PREMIUM DISCOUNT % — SUBTOTAL 478 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) PROBATION SURCHARGE — FEDERAL POLICY FEE 40 TOTAL PREPAID AMOUNT 518 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $308 / Contents: $165 2. Apply Deductible Factor: Building: 1.000 x $308 = $308 / Contents: 1.000 x $165 = $165 3. Premium Reduction/Increase: Building: $0 / Contents: $0 4. Subtotal: $473 5. Add ICC Premium: $5 6. Subtract CRS Discount: N/A 7. Subtotal: $478 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $40 10. Total Prepaid Amount: $518 CONDOMINIUMS Important Notice to Agents: Boards of Directors of condominium associations typically are responsible under their by-laws for maintaining all forms of property insurance necessary to protect the common property of the association against all hazards to which that property is exposed for the insurable value/replacement cost of those common elements. This responsibility would typically include providing adequate flood insurance protection for all common property located in Special Flood Hazard Areas. Such by-law requirements could make the individual members of the boards of directors of such associations personally liable for insurance errors or omissions, including those relating to flood insurance. I. METHODS OF INSURING CONDOMINIUMS There are four methods of insuring condominiums under the National Flood Insurance Program (NFIP). Each method has its own eligibility requirements for condominium type. A. Residential Condominium: Association Coverage on Building and Contents A condominium association is the corporate entity responsible for the management and operation of a condominium. Membership is made up of the condominium unit owners. A condominium association may purchase insurance coverage on a residential building and its contents under the Residential Condominium Building Association Policy (RCBAP). The RCBAP covers only a residential condominium building in a Regular Program community. If the named insured is listed as other than a condominium association, the agent must provide legal documentation to confirm that the insured is a condominium association. (See page CONDO 6 for eligibility requirements.) B. Residential Condominium: Unit Owner’s Coverage on Building and Contents A condominium unit in a townhouse, rowhouse, high-rise or low-rise building is considered to be a single family residence. An individual dwelling unit in a condominium building may be insured in any one of three ways: . An individual unit and its contents may be separately insured under the Dwelling Form, in the name of the unit owner, at the limits of insurance for a single family dwelling. . An individual unit may be separately insured under the Dwelling Form, if purchased by the association in the name of the "owner of record unit number (#) and (name of) Association as their interests may appear," up to the limits of insurance for a single family dwelling. . An individual unit owned by the association may be separately insured under the Dwelling Form, if purchased by the condominium association. The single family limits of insurance apply. A policy on a condominium unit will be issued naming the unit owner and the association, as their interests may appear. Coverage under a unit owner's policy applies first to the individually owned building elements and improvements to the unit and then to the damage of the building's common elements that are the unit owner's responsibility. In the event of a loss, the claim payment to an individual unit owner may not exceed the maximum allowable in the Program. C. Non-residential (Commercial) Condominium: Building and Contents Non-residential (commercial) condominium buildings and their commonly owned contents may be insured in the name of the Association under the General Property Form. The "Non­residential" limits apply. Individual residential condominium units in non­residential condominium buildings are not eligible for building coverage. CONDO 1 October 1, 2010 D. Non-residential (Commercial) Condominium: Unit Owner's Coverage (Contents) The owner of a non-residential condominium unit may purchase only contents coverage for that unit. Building coverage may not be purchased in the name of the unit owner. In the event of a loss, up to 10 percent of the stated amount of contents coverage can be applied to losses to condominium interior walls, floors, and ceilings. The 10 percent is not an additional amount of insurance. CONDO 2 October 1, 2010 TABLE 2. CONDOMINIUM RATING CHART (Cont’d) HIGH-RISE RESIDENTIAL CONDOMINIUMS MULTI-UNIT BUILDING.5 OR MORE UNITS PER BUILDING.THREE OR MORE FLOORS6 CONDO 5 May 1, 2010 PURCHASER OF POLICY Building Occupancy1 BuildingIndicator1 ContentsIndicator2 Type ofCoverage Rate Table3 Policy Form4 UNIT OWNER OTHER RESIDENTIAL SINGLE UNIT HOUSEHOLD RC 5 SINGLE FAMILY FOR BUILDING; OTHER RESIDENTIAL FOR CONTENTS DWELLING ASSOCIATION(ASSOCIATION-OWNED SINGLE UNIT ONLY) OTHER RESIDENTIAL SINGLE UNIT HOUSEHOLD RC 5 SINGLE FAMILY FOR BUILDING; OTHER RESIDENTIAL FOR CONTENTS DWELLING ASSOCIATION(ENTIRE BUILDING) OTHER RESIDENTIAL HIGH-RISE HOUSEHOLD RC RCBAP HIGH-RISE RCBAP NON-RESIDENTIAL CONDOMINIUMS PURCHASER OF POLICY Building Occupancy1 BuildingIndicator1 ContentsIndicator2 Type ofCoverage Rate Table3 Policy Form4 UNIT OWNER NON-RESIDENTIAL SINGLE UNIT(BUILDINGCOVERAGE NOTAVAILABLE) BUSINESS ACV NON-RESIDENTIAL GENERALPROPERTY ASSOCIATION NON-RESIDENTIAL LOW-RISE BUSINESS ACV NON-RESIDENTIAL GENERALPROPERTY 1When there is a mixture of residential and commercial usage within a single building, please refer to the GR Section of the Flood Insurance Manual. 2In determining the contents indicator for “other than household contents,” please refer to the RATE Section of the Flood Insurance Manual. 3All building rates are based on the lowest floor of the building. 4RCBAP must be used to insure residential condominium buildings owned by the association that are in a Regular Program community and in which at least 75% of the total floor area within the building is residential. Use General Property Form if ineligible under RCBAP. 5Replacement Cost if the RC eligibility requirements are met (building only). 6Enclosure, even if it is the lowest floor for rating, cannot be counted as a floor for the purpose of classifying the building as a high rise. RESIDENTIAL CONDOMINIUM BUILDING ASSOCIATION POLICY II. POLICY FORM The policy form used for the residential condominium buildings owned by a condominium association is the Residential Condominium Building Association Policy (RCBAP). III. ELIGIBILITY REQUIREMENTS A. General Building Eligibility In order for a condominium building to be eligible under the RCBAP form, the building must be owned by a condominium association, which the NFIP defines as the entity made up of the unit owners responsible for the maintenance and operation of: 1. common elements owned in undivided shares by unit owners; and 2. other real property in which the unit owners have use rights; where membership in the entity is a required condition of unit ownership. The RCBAP is required for all buildings owned by a condominium association containing one or more residential units and in which at least 75 percent of the total floor area within the building is residential without regard to the number of units or number of floors. The RCBAP is available for high-rise and low-rise residential condominium buildings, including townhouse/rowhouse and detached single-family condominium buildings in the Regular Program only. (See pages CONDO 4 and 5.) Residential condominium buildings that are being used as a hotel or motel, or are being rented (either short- or long-term), must be insured under the RCBAP. Only buildings having a condominium form of ownership are eligible for the RCBAP. If the named insured is listed as other than a condominium association, the agent must provide legal documentation to confirm that the insured is a condominium association before the RCBAP can be written. This documentation may be a copy of the condominium association by-laws or a statement signed by an officer or representative of the condominium association confirming that the building is in a condominium form of ownership. In the event of a loss, RCBAPs written for buildings found not to be in a condominium form of ownership will be rewritten under the correct policy form for up to the maximum amount of building coverage allowed under the program for the type of building insured, not to exceed the coverage purchased under the RCBAP. A homeowners association (HOA) may differ from a condominium association and is ineligible for the RCBAP, unless the HOA meets the definition of a condominium association as defined in the policy. Cooperative ownership buildings are not eligible. Timeshare buildings in a condominium form of ownership in jurisdictions where title is vested in individual unit owners are eligible provided all other criteria are met. If, during a policy term, the risk fails to meet the eligibility requirements, it will be ineligible for coverage under the RCBAP and the policy will be canceled. The NFIP has grouped condominium buildings into two different types, low- and high-rise, because of the difference in the exposures to the risk that typically exists. Low-rise buildings generally have a greater percentage of the value of the building at risk than high-rise buildings, thus requiring higher premiums for the first dollars of coverage. The availability of the optional deductibles for the low-rise buildings, however, allows the association to buy back some of the risk, thereby reducing the overall cost of the coverage. For rating purposes: . High-rise buildings contain five or more units and at least three floors excluding enclosure, even if it is the lowest floor for rating. . Low-rise buildings have less than five units regardless of the number of floors, or five or more units with less than three floors, including the basement. . Townhouse/rowhouse buildings are always considered as low-rise buildings for rating purposes, no matter how many units or floors they have. See the Definitions section for a complete definition of high-rise and low-rise buildings. The individual unit owners continue to have an option to purchase an SFIP Dwelling Form. B. Condominium Building in the Course of Construction The NFIP rules allow the issuance of an SFIP to cover a building in the course of construction before the building is walled and roofed. These rules provide lenders an option to require flood insurance coverage at the time that the development loan is made to comply with the mandatory purchase requirement outlined in the Flood Disaster Protection Act of 1973, as amended. The policy is issued and rated based CONDO 6 October 1, 2010 on the construction designs and intended use of the building. In order for a condominium building in the course of construction to be eligible under the RCBAP form, the building must be owned by a condominium association. As noted on page GR 4, buildings in the course of construction that have yet to be walled and roofed are eligible for coverage except when construction has been halted for more than 90 days and/or if the lowest floor used for rating purposes is below the Base Flood Elevation (BFE). Materials or supplies intended for use in such construction, alteration, or repair are not insurable unless they are contained within an enclosed building on the premises or adjacent to the premises. IV. COVERAGE A. Property Covered The entire building is covered under one policy, including both the common as well as individually owned building elements within the units, improvements within the units, and contents owned in common. Contents owned by individual unit owners should be insured under an individual unit owner's Dwelling Form. B. Coverage Limits Building coverage purchased under the RCBAP will be on a Replacement Cost basis. The maximum amount of building coverage that can be purchased on a high-rise or low-rise condominium is the Replacement Cost Value of the building or the total number of units in the condominium building times $250,000, whichever is less. The maximum allowable contents coverage is the Actual Cash Value of the commonly owned contents up to a maximum of $100,000 per building. Basic Limit Amount: . The building basic limit amount of insurance for a detached building housing a single family unit owned by the condominium association is $60,000. . For residential townhouse/rowhouse and low-rise condominiums, the building basic limit amount of insurance is $60,000 multiplied by the number of units in the building. . For high-rise condominiums, the building basic amount of insurance is $175,000. . The contents basic limit amount of insurance is $25,000. . For condominium unit owners who have insured their personal property under the Dwelling Form or General Property Form, coverage extends to interior walls, floor, and ceiling (if not covered under the condominium association’s insurance) up to 10 percent of the personal property limit of liability. Use of this coverage is at the option of the insured and reduces the personal property limit of liability. C. Replacement Cost As stated above in “B. Coverage Limits,” the RCBAP’s building coverage is on a Replacement Cost valuation basis. Replacement Cost Value means the cost to replace property with the same kind of material and construction without deduction for depreciation. A condominium unit owner’s Dwelling Form policy provides Replacement Cost coverage on the building if eligibility requirements are met. D. Co-insurance The RCBAP’s co-insurance penalty is applied to building coverage only. To the extent that the insured has not purchased insurance in an amount equal to the lesser of 80 percent or more of the full replacement cost of the building at the time of loss or the maximum amount of insurance under the NFIP, the insured will not be reimbursed fully for a loss. Building coverage purchased under individual Dwelling Forms cannot be added to RCBAP coverage in order to avoid the co-insurance penalty. The amount of loss in this case will be determined by using the following formula: Insurance Carried X Amount of Loss = Limit of Recovery Insurance Required Where the penalty applies, building loss under the RCBAP will be adjusted based on the Replacement Cost Coverage with a co-insurance penalty. Building loss under the Dwelling Form will be adjusted on an Actual Cash Value (ACV) basis if the Replacement Cost provision is not met. The cost of bringing the building into compliance with local codes (law and ordinance) is not included in the calculation of replacement cost. E. Assessment Coverage The RCBAP does not provide assessment coverage. Assessment coverage is available only under the Dwelling Form subject to the conditions and exclusions found in Section III. Property Covered, CONDO 7 October 1, 2010 Coverage C, paragraph 3 – Condominium Loss Assessments. The Dwelling Form will respond, up to the building coverage limit, to assessments against unit owners for damages to common areas of any building owned by the condominium association, even if the building is not insured, provided that: (1) each of the unit owners comprising the membership of the association is assessed by reason of the same cause; and (2) the assessment arises out of a direct physical loss by or from flood to the condominium building at the time of the loss. Assessment coverage has a maximum combined total limit of $250,000 times the number of units. This combined total limit covers loss to the unit and any assessment by the association. Assessment coverage cannot be used to meet the 80-percent coinsurance provision of the RCBAP, and does not apply to ICC coverage or to coverage for closed basin lakes. For more information on this topic, see “E. Loss Assessments” on page GR 13 and Section III. C.3. of the Dwelling Form, “Condominium Loss Assessments,” on page POL 8. V. DEDUCTIBLES AND FEES A. Deductibles The loss deductible shall apply separately to each building and personal property covered loss including any appurtenant structure loss. The Standard Deductible is $2,000 for a residential condominium building, located in a Regular Program Community in Special Flood Hazard Areas, i.e., Zones A, AO, AH, A1-A30, AE, AR, AR dual zones (AR/AE, AR/AH, AR/AO, AR/A1-A30, AR/A), V, V1-V30, or VE, where the rates available for buildings built before the effective date of the initial Flood Insurance Rate Map (FIRM), Pre-FIRM rates, are used to compute the premium. For all policies rated other than those described above, e.g., those rated as Post-FIRM and those rated in Zones A99, B, C, D, or X, the Standard Deductible is $1,000. Optional deductible amounts are available under the RCBAP. B. Federal Policy Fee The Federal Policy Fees for the RCBAP are: 1 unit -$ 40.00 per policy 2-4 units -$ 80.00 per policy 5-10 units -$ 200.00 per policy 11-20 units -$ 440.00 per policy 21 or more -$ 840.00 per policy VI. TENTATIVE RATES AND SCHEDULED BUILDINGS Tentative Rates cannot be applied to the RCBAP. The Scheduled Building Policy is not available for the RCBAP. VII. COMMISSIONS (DIRECT BUSINESS ONLY) The commission, 15 percent, will be reduced to 5 percent on only that portion of the premium that exceeds the figure resulting from multiplying the total number of units times $2,000. VIII. CANCELLATION OR ENDORSEMENT OF UNIT OWNERS' DWELLING POLICIES Unit owner’s Dwelling Policies may be cancelled mid-term for the reasons mentioned in the Cancellation/Nullification section of the manual. To cancel building coverage while retaining contents coverage on a unit owner's policy, submit a General Change Endorsement form. In the event of a cancellation: . The commission on a unit owner's policy will be retained, in full, by the producer, . The Federal Policy Fee and Probation Sur­charge will be refunded on a pro rata basis, and . The premium refund will be calculated on a pro rata basis. An existing Dwelling Policy or RCBAP may be endorsed to increase amounts of coverage in accordance with Endorsement rules. They may not be endorsed mid-term to reduce coverage. IX. APPLICATION FORM The producer should complete the entire Flood Insurance Application according to the directions in the Application section of this manual and attach two new photographs of the building, one of which clearly shows the location of the lowest floor used for rating the risk. A. Type of Building For an RCBAP, the “Building” section of the Flood Insurance Application must indicate the total number of units in the building and whether the building is a high rise or low rise. High-rise (vertical) condominium buildings are defined as containing at least five units, and having at least three floors. Note that an enclosure below an elevated floor building, even if it is the lowest floor for rating purposes, cannot be counted as a floor to classify the building as a high-rise condominium building. Low-rise condominium buildings are defined as having less than five units and/or less than three floors. In addition, low-rise also includes all townhouses/rowhouses regardless of the number of floors or units, and all detached single family buildings. For a Dwelling Form used to insure a condominium unit, or for a Condominium Association Policy, see the Application section of this manual. B. Replacement Cost Value For an RCBAP, use normal company practice to estimate the Replacement Cost Value (RCV) and enter the value in the “Building” section of the Application. Include the cost of the building foundation when determining the RCV. Attach the appropriate valuation to the Application. Acceptable documentation of a building's RCV is a recent property valuation report that states the value of the building, including its foundation, on an RCV basis. The cost of bringing the building into compliance with local codes (law and ordinance) is not to be included in the calculation of the building's replacement cost. To maintain reasonable accuracy of the RCV for the building, the agent must update this information at least every 3 years. (See sample notification letter regarding updating RCV on page CONDO 9A.) C. Coverage Ensure that the “Coverage and Rating” section of the Application accurately reflects the desired amount of building and contents coverage. If only building insurance is to be purchased, inform the applicant of the availability of contents insurance for contents that are commonly owned. It is recommended that the applicant initial the contents coverage section if no contents insurance is requested. (This will make the applicant aware that the policy will not provide payment for contents losses.) 1. Building Enter the amount of insurance for building, Basic and Additional Limits. Enter full Basic Limits before entering any Additional Limits. The building Basic Limit amount of insurance for high-rise condominium buildings is up to a maximum of $175,000. The building Basic Limit amount of insurance for low-rise condominium buildings is $60,000 multiplied by the number of units in the building. The total amount of coverage desired on the entire building must not exceed $250,000 (Regular Program limit) times the total number of units (residential and non-residential) in the building. 2. Contents Since the Program type must be Regular, enter the amount of insurance for contents, Basic and Additional Limits. Enter full Basic Limits before any Additional Limits. Contents coverage is only for those contents items that are commonly owned. For the Basic Limits amount of insurance, up to a maximum of $25,000 may be filled in. For the Additional Limits, up to a total of $75,000 may be filled in. The total amount of insurance available for contents coverage cannot exceed $100,000. D. Rates and Fees 1. To determine rates, see the RCBAP Rate Tables on the following pages. Enter the rate for building and for contents and compute the annual premium. If an optional deductible has been selected for building and/or contents, see page CONDO 22. 2. Enter the total premium for building and contents, adjusted for any premium change because of an optional deductible being selected. The total premium will be calculated as if the building were one unit. 3. Add the total premium for building and contents and enter the Annual Subtotal. 4. Add the ICC premium. 5. Calculate the CRS discount, if applicable. 6. Subtract the CRS discount, if applicable. 7. Add the $50.00 Probation Surcharge, if applicable. 8. Add the Federal Policy Fee to determine the Total Prepaid Amount. Sample RCV Notification Letter IMPORTANT FLOOD INSURANCE POLICY INFORMATION Agent’s Name: Agent’s Address: Re: Insured’s Name: Property Address: Policy Number: Dear Agent: The letter is to inform you that the Replacement Cost Value (RCV) on file for the building referenced above, insured under the Residential Condominium Building Association Policy (RCBAP), must now be updated. The National Flood Insurance Program (NFIP) requires that the RCV be evaluated every 3 years; it has been at least 3 years since the RCV for the building has been updated. The RCV as currently listed on the above-referenced policy is . The amount of building coverage on the policy is . If the RCV indicated above needs to be revised, you must provide new documentation showing the revised RCV. Acceptable documentation of the building’s RCV is a recent property valuation report that states the building’s value, including the foundation, on an RCV basis. If the RCV has not changed, you must provide either new RCV documentation or a statement signed by an officer or a representative of the Condominium Association confirming that the RCV is still valid. Please be aware that to the extent that the amount of building coverage on the policy is not in an amount equal to the lesser of 80 percent or more of the full replacement cost of the building at the time of a loss or the maximum amount of insurance available under the NFIP, the Condominium Association may not be fully reimbursed for the loss. If you have any questions about the information in this letter, please contact < INSERT CONTACT NAME AND TELEPHONE NUMBER>. cc: Insured, Lender CONDO 9A October 1, 2010 This page is intentionally left blank. CONDO 9B October 1, 2010 TABLE 3A. RCBAP HIGH-RISE CONDOMINIUM RATES ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) BUILDING BUILDING TYPE REGULAR PROGRAM PRE-FIRM1 REGULAR PROGRAM POST-FIRM A, A1-A30, AE, AO, AH, D V, VE A99, B, C, X A99, B, C, X D No Basement/Enclosure .85/.22 1.08/ .53 1.06/.05 1.06/.05 1.16/.24 With Basement .90/.30 1.15/1.13 1.29/.07 1.29/.07 SUBMIT FOR RATE With Enclosure .90/.22 1.15/ .55 1.12/.05 1.12/.05 Elevated on Crawlspace .85/.22 1.08/ .53 1.06/.05 1.06/.05 Non-Elevated with Subgrade Crawlspace .85/.22 1.08/ .53 1.06/.05 1.06/.05 CONTENTS CONTENTS LOCATION REGULAR PROGRAM PRE-FIRM1 REGULAR PROGRAM POST-FIRM A, A1-A30, AE, AO, AH, D V, VE A99, B, C, X A99, B, C, X D Basement/Subgrade Crawlspace and above .96/.90 1.23/2.23 1.68/.62 1.68/.62 SUBMIT FOR RATE Enclosure/Crawlspace and above .96/1.07 1.23/2.63 1.68/.71 1.68/.71 Lowest floor only- above ground level .96/1.07 1.23/2.63 1.32/.65 1.32/.65 1.11/.65 Lowest floor above ground level and higher floors .96/.74 1.23/2.32 1.32/.34 1.32/.34 1.11/.45 Above ground level more than 1 full floor .35/.14 .47/.34 .39/.13 .35/.12 .35/.12 BUILDING—A1-A30, AE · POST-FIRM ELEVATION 3 OR MORE FLOORS NO BASEMENT/ENCLOSURE/CRAWLSPACE3 3OR MORE FLOORS WITH BSMNT/ENCL/CRAWLSPACE3 +4 .33/.03 .33/.03 +3 .35/.03 .34/.03 +2 .45/.03 .40/.03 +1 .81/.04 .56/.04 0 1.43/.05 1.28/.05 -12 5.26/.15 3.16/.12 -2 SUBMI T F O R R A T E CONTENTS—A1-A30, AE · POST-FIRM ELEVATION LOWEST FLOOR ONLY- ABOVE GROUND LEVEL (NO BSMNT/ENCLOSURE/ CRAWLSPACE3) LOWEST FLOOR ABOVE GROUND LEVEL AND HIGHER (NO BSMNT/ENCL/ CRAWLSPACE3) BASEMENT/ ENCLOSURE/ CRAWLSPACE3 AND ABOVE ABOVE GROUND LEVEL MORE THAN ONE FULL FLOOR +4 .38/.12 .38/.12 .38/.12 .35/.12 +3 .38/.12 .38/.12 .38/.12 .35/.12 +2 .38/.12 .38/.12 .38/.12 .35/.12 +1 .52/.12 .38/.12 .38/.12 .35/.12 0 1.18/.12 .67/.12 .41/.12 .35/.12 -12 3.45/.70 2.00/.47 .66/.14 .35/.12 -2 S U B M I T F O R R A T E .35/.12 1Start of construction or substantial improvement on or before 12/31/74, or before the effective date of the initial Flood Insurance Rate Map (FIRM). If FIRM Zone is unknown, use rates for Zones A, AE, AO, AH, D. 2Use Submit-for-Rate guidelines if either the enclosure below the lowest elevated floor of an elevated building or the crawlspace (under-floor space) that has its interior floor within 2 feet below grade on all sides, which is used for rating, is 1 or more feet below BFE. 3Includes subgrade crawlspace. CONDO 10 October 1, 2010 TABLE 3B. RCBAP HIGH-RISE CONDOMINIUM RATES ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) AO, AH POST-FIRM NO BASEMENT/ENCLOSURE/CRAWLSPACE/SUBGRADE CRAWLSPACE BUILDINGS1 BUILDING CONTENTS WITH CERTIFICATION OF COMPLIANCE2 .44/.04 .38/.13 WITHOUT CERTIFICATION OF COMPLIANCE OR WITHOUT ELEVATION CERTIFICATE3 .99/.09 1.17/.22 POST-FIRM UNNUMBERED A-ZONE – WITHOUT BASEMENT/ENCLOSURE/CRAWLSPACE/SUBGRADE CRAWLSPACE1,7 ELEVATION DIFFERENCE TO NEAREST FOOT BUILDING CONTENTS4 TYPE OF ELEVATION CERTIFICATE +5 OR MORE .88/.05 .49/.12 NO ESTIMATED BASE FLOOD ELEVATION5 +2 TO +4 1.54/.06 .78/.15 +1 2.51/.14 1.50/.27 0 OR BELOW *** *** +2 OR MORE .75/.04 .44/.12 WITH ESTIMATED BASE FLOOD ELEVATION6 0 TO +1 1.35/.06 .94/.15 -1 5.34/.18 2.66/.41 -2 OR BELOW *** *** NO ELEVATION CERTIFICATE 7.20/1.26 3.33/.91 NO ELEVATION CERTIFICATE 1 Zones A, AO, or AH buildings with basement/enclosure/crawlspace/subgrade crawlspace – Submit for Rating. 2“ With Certification of Compliance” rates are to be used when the Elevation Certificate shows that the lowest floor elevation is equal to or greater than the community’s elevation requirement. 3“ Without Certification of Compliance” rates are to be used only on Post-FIRM structures without an Elevation Certificate or when the Elevation Certificate shows that the lowest floor elevation of a Post- FIRM structure is less than the community’s elevation requirement. 4 For elevation rated policies, when contents are located one floor or more above lowest floor used for rating, use .35/.12. 5 NO ESTIMATED BASE FLOOD ELEVATION: Elevation difference is the measured distance between the lowest floor of the building and the highest adjacent grade next to the building. 6 WITH ESTIMATED BASE FLOOD ELEVATION: Elevation difference is the measured distance between the lowest floor of the building and the estimated BFE provided by the community or registered professional engineer, surveyor, or architect. 7 Pre-FIRM buildings with basement/enclosure/crawlspace/subgrade crawlspace may use this table if the rates are more favorable to the insured. ***SUBMIT FOR RATING. CONDO 11 October 1, 2010 TABLE 3C. RCBAP HIGH-RISE CONDOMINIUM RATES ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) AR AND AR DUAL ZONES BUILDING PRE-FIRM1,2 AND POST-FIRM3 NOT ELEVATION-RATED BUILDING TYPE RATES No Basement/Enclosure 1.06/.05 With Basement 1.29/.07 With Enclosure 1.12/.05 Elevated on Crawlspace 1.06/.05 Non-Elevated with Subgrade Crawlspace 1.06/.05 CONTENTS PRE-FIRM1,2 AND POST-FIRM3 NOT ELEVATION-RATED CONTENTS LOCATION RATES Basement/Subgrade Crawlspace and above 1.68/.62 Enclosure/Crawlspace and above 1.68/.71 Lowest floor only- above ground level 1.32/.65 Lowest floor above ground level and higher floors 1.32/.34 Above ground level more than 1 full floor .35/.12 BUILDING PRE-FIRM AND POST-FIRM ELEVATION-RATED ELEVATION 3 OR MORE FLOORS NO BASEMENT/ENCLOSURE/CRAWLSPACE5 3 OR MORE FLOORS WITH BASEMENT/ENCLOSURE/ CRAWLSPACE5 +4 .33/.03 .33/.03 +3 .35/.03 .34/.03 +2 .45/.03 .40/.03 +1 .81/.04 .56/.04 0 1.06/.05 1.28/.05 -14 See Footnote CONTENTS PRE-FIRM AND POST-FIRM ELEVATION-RATED ELEVATION LOWEST FLOOR ONLY -ABOVE GROUND LEVEL (NO BSMNT/ENCL/CRAWLSPACE5) LOWEST FLOOR ABOVE GROUND LEVEL AND HIGHER (NO BSMNT/ENCL/CRAWLSPACE5) BASEMENT/ ENCLOSURE/ CRAWLSPACE5 AND ABOVE ABOVE GROUND LEVEL - MORE THAN ONE FULL +4 .38/.12 .38/.12 .38/.12 .35/.12 +3 .38/.12 .38/.12 .38/.12 .35/.12 +2 .38/.12 .38/.12 .38/.12 .35/.12 +1 .52/.12 .38/.12 .38/.12 .35/.12 0 1.18/.12 .67/.12 .41/.12 .35/.12 -14 See Footnote 1 Start of construction or substantial improvement on or before 12/31/74, or before the effective date of the initial Flood Insurance Rate Map (FIRM). 2 Base deductible is $2,000. 3 Base deductible is $1,000. 4 Use Pre-FIRM Not Elevation-Rated AR and AR Dual Zones Rate Table above. 5 Includes subgrade crawlspace. CONDO 12 October 1, 2010 TABLE 3D. RCBAP HIGH-RISE CONDOMINIUM RATES ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) REGULAR PROGRAM – 1975-19811 POST-FIRM CONSTRUCTION2 FIRM ZONES V1-V30, VE – BUILDING RATES ELEVATION OF LOWEST FLOOR ABOVE OR BELOW BFE BUILDING TYPE 3 OR MORE FLOORS NO BASEMENT/ENCLOSURE/ CRAWLSPACE5 3 OR MORE FLOORS WITH BASEMENT/ENCLOSURE/ CRAWLSPACE5 03 3.05/.15 2.91/.15 -14 8.90/.64 4.68/.48 -2 *** *** 1975-1981 POST-FIRM CONSTRUCTION FIRM ZONES V1-V30, VE – CONTENTS RATES ELEVATION OF LOWEST FLOOR ABOVE OR BELOW BFE CONTENTS LOCATION LOWEST FLOOR ONLY-ABOVE GROUND LEVEL (NO BASEMENT/ ENCLOSURE/ CRAWLSPACE5) LOWEST FLOOR ABOVE GROUND LEVEL AND HIGHER FLOORS (NO BASEMENT/ENCLOSURE/ CRAWLSPACE5) BASEMENT/ ENCLOSURE/ CRAWLSPACE5 AND ABOVE ABOVE GROUND LEVEL-MORE THAN ONE FULL FLOOR 03 4.50/.63 2.95/.70 1.65/.77 .62/.29 -14 9.91/4.81 5.85/3.71 1.95/.77 .62/.29 -2 *** *** *** *** 1 Policies for 1975 through 1981 Post-FIRM and Pre-FIRM buildings in Zones VE and V1-V30 will be allowed to use the Post-’81 V Zone rate table if the rates are more favorable to the insured. See instructions on page RATE 23 for V-Zone Optional Rating. 2 For 1981 Post-FIRM construction rating, refer to pages CONDO 19-20. 3 These rates are to be used if the lowest floor of the building is at or above the BFE. 4 Use Submit-for-Rate guidelines if the enclosure below the lowest floor of an elevated building, which is used for rating, is 1 or more feet below BFE. 5 Includes subgrade crawlspace. ***SUBMIT FOR RATING. REGULAR PROGRAM 1975-1981 POST-FIRM CONSTRUCTION UNNUMBERED V ZONE – ELEVATED BUILDINGS SUBMIT FOR RATING CONDO 13 October 1, 2010 TABLE 4A. RCBAP LOW-RISE CONDOMINIUM RATES (Including Townhouse/Rowhouse) ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) REGULAR PROGRAM – PRE-FIRM CONSTRUCTION RATES1 F I R M Z O N E S: A, A1-A30, AE, AO, AH, D V, VE A99, B, C, X BUILDING CONTENTS BUILDING CONTENTS BUILDING CONTENTS BUILDING TYPE NO BASEMENT/ENCLOSURE .70/.57 .96/1.06 .93/1.51 1.23/2.77 .74/.21 1.20/.37 WITH BASEMENT .75/.70 .96/.89 1.00/2.62 1.23/2.61 .81/.30 1.36/.46 WITH ENCLOSURE .75/.83 .96/.92 1.00/2.85 1.23/2.84 .81/.34 1.36/.54 ELEVATED ON CRAWLSPACE .70/.57 .96/1.06 .93/1.51 1.23/2.77 .74/.21 1.20/.37 NON-ELEVATED WITH SUBGRADE CRAWLSPACE .70/.57 .96/1.06 .93/1.51 1.23/2.77 .74/.21 1.20/.37 REGULAR PROGRAM – POST-FIRM CONSTRUCTION RATES F I R M Z O N E S: A99, B, C, X D BUILDING CONTENTS BUILDING CONTENTS BUILDING TYPE NO BASEMENT/ENCLOSURE .74/.21 1.20/.37 1.03/.39 1.11/.65 WITH BASEMENT .81/.30 1.36/.46 *** *** WITH ENCLOSURE .81/.34 1.36/.54 *** *** ELEVATED ON CRAWLSPACE .74/.21 1.20/.37 1.03/.39 1.11/.65 NON-ELEVATED WITH SUBGRADE CRAWLSPACE .74/.21 1.20/.37 1.03/.39 1.11/.65 F I R M Z O N E S: AO, AH (NO BASEMENT/ENCLOSURE/CRAWLSPACE BUILDINGS ONLY2) BUILDING CONTENTS WITH CERTIFICATION OF COMPLIANCE3 .21/.08 .38/.13 WITHOUT CERTIFICATION OF COMPLIANCE OR WITHOUT ELEVATION CERTIFICATE4 .95/.21 1.17/.22 1Start of construction or substantial improvement on or before 12/31/74, or before the effective date of the initial Flood Insurance Rate Map (FIRM). If FIRM Zone is unknown, use rates for Zones A, AE, AO, AH, D. 2Zones AO, AH BUILDINGS WITH BASEMENT/ENCLOSURE/CRAWLSPACE/SUBGRADE CRAWLSPACE: Submit for Rating. 3“With Certification of Compliance” rates are to be used when the Elevation Certificate shows that the lowest floor elevation is equal to or greater than the community’s elevation requirement. 4“Without Certification of Compliance” rates are to be used only on Post-FIRM structures without an Elevation Certificate or when the Elevation Certificate shows that the lowest floor elevation of a Post-FIRM structure is less than the community’s elevation requirement. ***SUBMIT FOR RATING CONDO 14 October 1, 2010 TABLE 4B. RCBAP LOW-RISE CONDOMINIUM RATES (Including Townhouse/Rowhouse) ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) REGULAR PROGRAM – POST-FIRM CONSTRUCTION FIRM ZONES A1-A30, AE – BUILDING RATES ELEVATION OF LOWEST FLOOR ABOVE OR BELOW BFE1 BUILDING TYPE ONE FLOOR NO BASEMENT/ENCLOSURE/ CRAWLSPACE3 MORE THAN ONE FLOOR NO BASEMENT/ENCLOSURE CRAWLSPACE3 MORE THAN ONE FLOOR WITH BASEMENT/ENCLOSURE/ CRAWLSPACE3 +4 .18/.08 .18/.08 .18/.08 +3 .20/.08 .18/.08 .18/.08 +2 .27/.08 .20/.08 .20/.08 +1 .49/.09 .29/.08 .24/.08 0 1.20/.10 .78/.10 .61/.10 -12 3.15/.84 2.37/.70 1.38/.57 -2 *** *** *** FIRM ZONES A1-A30, AE – CONTENTS RATES ELEVATION OF LOWEST FLOOR ABOVE OR BELOW BFE1 CONTENTS LOCATION LOWEST FLOOR ONLY - ABOVE GROUND LEVEL (NO BASEMENT/ENCLOSURE/ CRAWLSPACE3) LOWEST FLOOR ABOVE GROUND LEVEL AND HIGHER FLOORS (NO BASEMENT/ ENCLOSURE/CRAWLSPACE3) BASEMENT/ENCLOSURE/ CRAWLSPACE3 AND ABOVE ABOVE GROUND LEVEL-MORE THAN ONE FULL FLOOR +4 .38/.12 .38/.12 .38/.12 .35/.12 +3 .38/.12 .38/.12 .38/.12 .35/.12 +2 .38/.12 .38/.12 .38/.12 .35/.12 +1 .52/.12 .38/.12 .38/.12 .35/.12 0 1.18/.12 .67/.12 .41/.12 .35/.12 -12 3.45/.70 2.00/.47 .66/.14 .35/.12 -2 *** *** *** .35/.12 1If LF is -1 because of attached garage, submit application for special consideration; rate may be lower. 2Use Submit-for-Rate guidelines if either the enclosure below the lowest floor of an elevated building or the crawlspace (under-floor space) that has its interior floor within 2 feet below grade on all sides, which is used for rating, is 1 or more feet below BFE. 3Includes subgrade crawlspace. ***SUBMIT FOR RATING. CONDO 15 October 1, 2010 TABLE 4C. RCBAP LOW-RISE CONDOMINIUM RATES (Including Townhouse/Rowhouse) ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) UNNUMBERED ZONE A – WITHOUT BASEMENT/ENCLOSURE/CRAWLSPACE1,6 ELEVATION DIFFERENCE TO NEAREST FOOT BUILDING CONTENTS2 TYPE OF ELEVATION CERTIFICATE +5 OR MORE .36/.10 .49/.12 NO ESTIMATED BASE FLOOD ELEVATION3 +2 TO +4 1.01/.12 .78/.15 +1 2.03/.63 1.50/.27 0 OR BELOW *** *** +2 OR MORE .34/.08 .44/.12 WITH ESTIMATED BASE FLOOD ELEVATION4 0 TO +1 .78/.11 .94/.15 -1 2.94/.83 2.66/.41 -2 OR BELOW *** *** NO ELEVATION CERTIFICATE5 3.68/1.44 3.33/.91 NO ELEVATION CERTIFICATE 1 Zone A building with basement/enclosure/crawlspace/subgrade crawlspace – Submit for Rating. 2 For elevation rated policies, when contents are located one floor or more above lowest floor used for rating, use .35/.12. 3 NO ESTIMATED BASE FLOOD ELEVATION: Elevation difference is the measured distance between the lowest floor of the building and the highest adjacent grade next to the building. 4 WITH ESTIMATED BASE FLOOD ELEVATION: Elevation difference is the measured distance between the lowest floor of the building and the estimated BFE provided by the community or registered professional engineer, surveyor, or architect. 5 For building without basement, enclosure, crawlspace or subgrade crawlspace, Elevation Certificate is optional. 6 Pre-FIRM buildings with basement/enclosure/crawlspace/subgrade crawlspace may use this table if the rates are more favorable to the insured. For optional rating, follow the Submit for Rate procedures on pages RATE 25-25A. ***SUBMIT FOR RATING. CONDO 16 October 1, 2010 TABLE 4D. RCBAP LOW-RISE CONDOMINIUM RATES (Including Townhouse/Rowhouse) ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) AR AND AR DUAL ZONES REGULAR PROGRAM – PRE-FIRM1,2 AND POST-FIRM3 NOT ELEVATION-RATED RATES BUILDING TYPE BUILDING CONTENTS NO BASEMENT/ENCLOSURE .74/.21 1.20/.37 WITH BASEMENT .81/.30 1.36/.46 WITH ENCLOSURE .81/.34 1.36/.54 ELEVATED ON CRAWLSPACE .74/.21 1.20/.37 NON-ELEVATED WITH SUBGRADE CRAWLSPACE .74/.21 1.20/.37 REGULAR PROGRAM –– PRE-FIRM AND POST-FIRM ELEVATION-RATED RATES BUILDING RATES ELEVATION OF LOWEST FLOOR ABOVE OR BELOW BFE BUILDING TYPE ONE FLOOR NO BASEMENT/ENCLOSURE/ CRAWLSPACE5 MORE THAN ONE FLOOR NO BASEMENT/ENCLOSURE/ CRAWLSPACE5 MORE THAN ONE FLOOR WITH BASEMENT/ENCLOSURE/ CRAWLSPACE5 +4 .18/.08 .18/.08 .18/.08 +3 .20/.08 .18/.08 .18/.08 +2 .27/.08 .20/.08 .20/.08 +1 .49/.09 .29/.08 .24/.08 0 .74/.21 .78/.10 .61/.10 -14 See Footnote CONTENTS RATES ELEVATION OF LOWEST FLOOR ABOVE OR BELOW BFE CONTENTS LOCATION LOWEST FLOOR ONLY - ABOVE GROUND LEVEL(NO BASEMENT/ ENCLOSURE/CRAWLSPACE5) LOWEST FLOOR ABOVE GROUND LEVEL AND HIGHER FLOORS (NO BASEMENT/ENCLOSURE/ CRAWLSPACE5) BASEMENT/ENCLOSURE/ CRAWLSPACE5 AND ABOVE ABOVE GROUND LEVEL-MORE THAN ONE FULL FLOOR +4 .38/.12 .38/.12 .38/.12 .35/.12 +3 .38/.12 .38/.12 .38/.12 .35/.12 +2 .38/.12 .38/.12 .38/.12 .35/.12 +1 .52/.12 .38/.12 .38/.12 .35/.12 0 1.18/.12 .67/.12 .41/.12 .35/.12 -14 See Footnote 1Start of construction or substantial improvement on or before 12/31/74, or before the effective date of the initial Flood Insurance Rate Map (FIRM). 2Base deductible is $2,000. 3Base deductible is $1,000. 4Use Pre-FIRM Not Elevation-Rated AR and AR Dual Zones Rate Table above. 5Includes subgrade crawlspace. CONDO 17 October 1, 2010 TABLE 4E. RCBAP LOW-RISE CONDOMINIUM RATES (Including Townhouse/Rowhouse) ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) REGULAR PROGRAM – 1975-19811 POST-FIRM CONSTRUCTION2 FIRM ZONES V1-V30, VE – BUILDING RATES ELEVATION OF LOWEST FLOOR ABOVE OR BELOW BFE BUILDING TYPE ONE FLOOR NO BASEMENT/ENCLOSURE/ CRAWLSPACE5 MORE THAN ONE FLOOR NO BASEMENT/ENCLOSURE/ CRAWLSPACE5 MORE THAN ONE FLOOR WITH BASEMENT/ENCLOSURE/ CRAWLSPACE5 03 2.73/.51 2.19/.51 1.89/.51 -14 5.98/3.12 5.47/3.12 3.91/2.83 -2 *** *** *** REGULAR PROGRAM – 1975-19811 POST-FIRM CONSTRUCTION FIRM ZONES V1-V30, VE – CONTENTS RATES ELEVATION OF LOWEST FLOOR ABOVE OR BELOW BFE CONTENTS LOCATION LOWEST FLOOR ONLY - ABOVE GROUND LEVEL (NO BASEMENT/ENCLOSURE/ CRAWLSPACE5) LOWEST FLOOR ABOVE GROUND LEVEL AND HIGHER FLOORS (NO BASEMENT/ENCLOSURE/ CRAWLSPACE5) BASEMENT/ENCLOSURE/ CRAWLSPACE5 AND ABOVE ABOVE GROUND LEVEL - MORE THAN ONE FULL FLOOR 03 4.50/.63 2.95/.70 1.65/.77 .62/.29 -14 9.91/4.81 5.85/3.71 1.95/.77 .62/.29 -2 *** *** *** .62/.296 1Policies for 1975 through 1981 Post-FIRM and Pre-FIRM buildings in Zones VE and V1-V30 will be allowed to use the Post- ’81 V Zone rate table if the rates are more favorable to the insured. See instructions on page RATE 23 for V Zone Optional Rating. 2For 1981 Post-FIRM construction rating, refer to pages CONDO 19 and 20. 3These rates are to be used if the lowest floor of the building is at or above the BFE. 4Use Submit-for-Rate guidelines if the enclosure below the lowest floor of an elevated building, which is used for rating, is 1 or more feet below BFE. 5Includes subgrade crawlspace. ***SUBMIT FOR RATING. REGULAR PROGRAM – 1975-1981 POST-FIRM CONSTRUCTION UNNUMBERED V ZONE – ELEVATED BUILDINGS SUBMIT FOR RATING CONDO 18 October 1, 2010 TABLE 5A. RCBAP HIGH-RISE AND LOW-RISE CONDOMINIUM RATES (Including Townhouse/Rowhouse) ANNUAL RATES PER $100 OF COVERAGE 1981 POST-FIRM V1-V30, VE ZONE RATES1 Elevated Buildings Free of Obstruction2 Below the Beam Supporting the Building’s Lowest Floor Elevation of the bottom of the floor beam of the lowest floor above or below Base Flood Elevation adjusted for wave height at building site3 Building Rate Contents Rate +4 or more .71 .53 +3 .86 .54 +2 1.12 .73 +1 1.63 1.25 0 2.34 1.90 - 1 3.07 2.73 - 2 4.15 3.90 - 3 5.35 5.35 -4 or lower *** *** Rates above are only for elevated buildings. Use Specific Rating Guidelines for non-elevated buildings. 1 Policies for 1975 through 1981 Post-FIRM and Pre-FIRM buildings in Zones VE and V1-V30 will be allowed to use the Post-’81 V Zone rate table if the rates are more favorable to the insured. See instructions on page RATE 23 for V-Zone Optional Rating. 2 Free of Obstruction — The space below the lowest elevated floor must be completely free of obstructions or any attachment to the building, or may have: (1) Insect screening, provided that no additional supports are required for the screening; or (2) Wooden or plastic lattice with at least 40 percent 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 percent of their area open and made of material no thicker than 1 inch. (4) One solid breakaway wall or a garage door, with the remaining sides of the enclosure constructed of insect screening, 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. Any machinery or equipment below the lowest elevated floor must be at or above the BFE. 3 Wave height adjustment is not required in those cases where the Flood Insurance Rate Map indicates that the map includes wave height. ***SUBMIT FOR RATING CONDO 19 October 1, 2010 TABLE 5B. RCBAP HIGH-RISE AND LOW-RISE CONDOMINIUM RATES (Including Townhouse/Rowhouse) ANNUAL RATES PER $100 OF COVERAGE 1981 POST-FIRM V1-V30, VE ZONE RATES1,2 Elevated Buildings With Obstruction3 Below the Beam Supporting the Building’s Lowest Floor Elevation of the bottom of the floor beam of the lowest floor above or below Base Flood Elevation adjusted for waveheight at building site4 Building Rate Contents Rate +4 or more 1.28 .67 +3 1.43 .68 +2 1.68 .86 +1 2.12 1.38 0 2.93 2.05 -15 3.53 2.81 -25 4.67 4.01 -35 5.89 5.48 -4 or lower5 *** *** 1Policies for 1975 through 1981 Post-FIRM and Pre-FIRM buildings in Zones VE and V1-V30 will be allowed to use the Post-’81 V-Zone rate table if the rates are more favorable to the insured. See instructions on page RATE 23 for V-Zone Optional Rating. 2Rates provided are only for elevated buildings, except those elevated on solid perimeter foundation walls. For buildings elevated on solid perimeter foundation walls, and for non-elevated buildings, use the Specific Rating Guidelines document. 3With Obstruction—The space below has an area of less than 300 square feet with breakaway solid walls or contains equipment below the BFE. If the space below has an area of 300 square feet or more, or if any portion of the space below the elevated floor is enclosed with non-breakaway walls, submit for rating. If the enclosure is at or above the BFE, use the “Free of Obstruction” rate table on the preceding page. The elevation of the bottom enclosure floor is the lowest floor for rating (LFE). See page RATE 20 for details. 4Wave height adjustment is not required in those cases where the Flood Insurance Rate Map indicates that the map includes wave height. 5For buildings with obstruction, use Submit-for-Rate guidelines if the enclosure below the lowest elevated floor of an elevated, which is used for rating, is 1 or more feet below BFE. ***SUBMIT FOR RATING. TABLE 5C. RCBAP HIGH-RISE AND LOW-RISE BUILDING RATES (Including Townhouse/Rowhouse) ANNUAL RATES PER $100 OF COVERAGE 1981 POST-FIRM V ZONE RATES SUBMIT FOR RATING CONDO 20 October 1, 2010 TABLE 6. RCBAP HIGH-RISE AND LOW-RISE CONDOMINIUM RATES (Including Townhouse/Rowhouse) INCREASED COST OF COMPLIANCE (ICC) COVERAGE All Except Submit for Rate Policies1 Premiums for $30,000 ICC Coverage FIRM2 ZONE PREMIUM Post-FIRM A, AE, A1-A30, AO, AH $ 5 AR, AR DUAL ZONES $ 5 Post-’81 V1-V30, VE $ 18 ‘75-’81 V1-V30, VE $ 30 A99, B, C, X, D $ 5 Pre-FIRM A, AE, A1-A30, AO, AH $ 70 AR, AR DUAL ZONES $ 5 V, VE, V1-V30 $ 70 A99, B, C, X, D $ 5 1Use the ICC premium table contained in the Specific Rating Guidelines. 2Elevation-rated Pre-FIRM buildings should use Post-FIRM ICC premiums. CONDO 21 October 1, 2010 TABLE 7. RCBAP DEDUCTIBLE FACTORS – ALL ZONES Category One – Low-Rise Condominium Building-and-Contents Policies DEDUCTIBLE OPTIONS DEDUCTIBLE FACTOR Single Family 2-4 Units 5 or More Units Building/Contents Post-FIRM $1,000 Ded. Pre-FIRM $2,000 Ded. Post-FIRM $1,000 Ded. Pre-FIRM $2,000 Ded. Post-FIRM $1,000 Ded. Pre-FIRM $2,000 Ded. $1,000/$1,000 1.000 1.100 1.000 1.050 1.000 1.050 $2,000/$2,000 .925 1.000 .960 1.000 .975 1.000 $3,000/$3,000 .850 .925 .930 .965 .950 .975 $4,000/$4,000 .775 .850 .900 .930 .925 .950 $5,000/$5,000 .750 .810 .880 .910 .915 .930 $10,000/$10,000 .635 .675 .735 .765 .840 .860 $25,000/$25,000 .535 .570 .635 .665 .740 .760 Category Two – Low-Rise Condominium Building-Only Policies DEDUCTIBLE OPTIONS DEDUCTIBLE FACTOR Single Family 2-4 Units 5 or More Units Post-FIRM $1,000 Ded. Pre-FIRM $2,000 Ded. Post-FIRM $1,000 Ded. Pre-FIRM $2,000 Ded. Post-FIRM $1,000 Ded. Pre-FIRM $2,000 Ded. $1,000 1.000 1.100 1.000 1.075 1.000 1.050 $2,000 .925 1.000 .950 1.000 .970 1.000 $3,000 .865 .935 .910 .960 .940 .970 $4,000 .815 .880 .870 .920 .920 .950 $5,000 .765 .830 .835 .880 .900 .930 $10,000 .630 .685 .650 .690 .830 .860 $25,000 .530 .580 .550 .585 .730 .760 Category Three – High-Rise Condominium Policies, Building-and-Contents and Building-Only The deductible factors are multipliers, and total deductible amounts are subject to a maximum dollar discount per annual premium. BUILDING/CONTENTS BUILDING-ONLY DEDUCTIBLE OPTIONS DEDUCTIBLE FACTOR MAXIMUM DISCOUNT Post-FIRM $1,000 Deductible Pre-FIRM $2,000 Deductible $1,000/$1,000 1.000 1.050 N/A $2,000/$2,000 .980 1.000 $ 56 $3,000/$3,000 .960 .980 $ 111 $4,000/$4,000 .940 .960 $ 166 $5,000/$5,000 .920 .940 $ 221 $10,000/$10,000 .840 .860 $ 476 $25,000/$25,000 .740 .760 $1,001 DEDUCTIBLE OPTIONS DEDUCTIBLE FACTOR MAXIMUM DISCOUNT Post-FIRM $1,000 Deductible Pre-FIRM $2,000 Deductible $1,000 1.000 1.050 N/A $2,000 .970 1.000 $ 55 $3,000 .940 .970 $ 110 $4,000 .920 .950 $ 165 $5,000 .900 .930 $ 220 $10,000 .830 .860 $ 475 $25,000 .730 .760 $ 1,000 CONDO 22 October 1, 2009 X. CONDOMINIUM RATING EXAMPLES CONTENTS EXAMPLE PAGE Example 1 Pre-FIRM, Low-rise, with Enclosure, Coinsurance Penalty, Zone A ................ CONDO 24 Example 2 Pre-FIRM, Low-rise, No Basement/Enclosure, Zone AE ................................. CONDO 25 Example 3 Post-FIRM, Low-rise, Coinsurance Penalty, Zone AE...................................... CONDO 26 Example 4 Post-FIRM, Low-rise, Standard Deductible, Zone AE ...................................... CONDO 27 Example 5 Pre-FIRM, High-rise, Standard Deductible, Coinsurance Penalty, Zone A ................................................................................................ CONDO 28 Example 6 Pre-FIRM, High-rise, Basement, Maximum Discount, Zone AE....................... CONDO 29 Example 7 Post-FIRM, High-rise, Standard Deductible, Zone AE ..................................... CONDO 30 Example 8 Pre-FIRM, High-rise, Enclosure, Maximum Discount, Coinsurance Penalty, Zone AE .............................................................................................. CONDO 31 CONDOMINIUM RATING EXAMPLE 1 Pre-FIRM, Low-rise, with Enclosure, Coinsurance Penalty, Zone A Regular Program . Building Coverage: $140,000 . Contents Coverage: $100,000 . Condominium Type: Low-rise . Flood Zone: A . Occupancy: Other Residential . # of Units: 6 . Date of Construction: Pre-FIRM . Building Type: 3 Floors Including Enclosure . Deductible: $2,000/$2,000 . Deductible Factor: 1.000 . Replacement Cost: $600,000 . Elevation Difference: N/A . 80% Coinsurance Amount: $480,000 . ICC Premium: $70 ($30,000 Coverage) . CRS Rating: N/A . CRS Discount: N/A Determined Rates: Building: .75/.83 Contents: .96/.92 COVERAGE BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM PREM. REDUCTION/ INCREASE TOTAL AMOUNT OF INSURANCE BUILDING 140,000 .75 1,050 0 .83 0 0 140,000 1,050 CONTENTS 25,000 .96 240 75,000 .92 690 0 100,000 930 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) . MANUAL . SUBMIT FOR RATING . ALTERNATIVE . V-ZONE RISK RATING FORM . PROVISIONAL RATING . LEASED FEDERAL PROPERTY . MORTGAGE PORTFOLIO PROTECTION PROGRAM PAYMENT OPTION: . CREDIT CARD . OTHER: ANNUAL SUBTOTAL 1,980 ICC PREMIUM 70 SUBTOTAL 2,050 CRS PREMIUM DISCOUNT % . SUBTOTAL 2,050 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. SIGNATURE OF INSURANCE AGENT/BROKER DATE(MM/DD/YY) PROBATION SURCHARGE . FEDERAL POLICY FEE 200 TOTAL PREPAID AMOUNT 2,250 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $1,050 / Contents: $930 2. Apply Deductible Factor: Building: 1.000 x $1,050 = $1,050 / Contents: 1.000 x $930 = $930 3. Premium Reduction: Building: $0 / Contents: 0 4. Subtotal: 1,980 5. Add ICC Premium: $70 6. Subtract CRS Discount: N/A 7. Subtotal: 2,050 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $200 10. Total Prepaid Amount: $2,250 CLAIMS ADJUSTMENT WITH COINSURANCE PROVISION Claim Payment is determined as follows: (Insurance Carried) 140,000 x (Amount of Loss) 100,000 = (Limit of Recovery) 29,167 - Less Deductible (Insurance Required) 480,000 (Coinsurance Penalty applies because minimum insurance amount of $480,000 was not met.) CONDOMINIUM RATING EXAMPLE 2 PRE-FIRM, LOW-RISE, NO BASEMENT/ENCLOSURE, ZONE AE Regular Program . Building Coverage: $480,000 . Contents Coverage: $50, 000 . Condominium Type: Low-rise . Flood Zone: AE . Occupancy: Other Residential . # of Units: 6 . Date of Construction: Pre-FIRM . Building Type: 1 Floor, No Basement . Deductible: $2,000/$2,000 . Deductible Factor: 1.000 . Replacement Cost: $600,000 . Elevation Difference: N/A . 80% Coinsurance Amount: $480,000 . ICC Premium: $70 ($30,000 Coverage) . CRS Rating: N/A . CRS Discount: N/A Determined Rates: Building: .70/.57 Contents: .96/1.06 COVERAGE BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM PREM. REDUCTION/ INCREASE TOTAL AMOUNT OF INSURANCE BUILDING 360,000 .70 2,520 120,000 .57 684 0 480,000 3,204 CONTENTS 25,000 .96 240 25,000 1.06 265 0 50,000 505 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) . MANUAL . SUBMIT FOR RATING . ALTERNATIVE . V-ZONE RISK RATING FORM . PROVISIONAL RATING . LEASED FEDERAL PROPERTY . MORTGAGE PORTFOLIO PROTECTION PROGRAM PAYMENT OPTION: . CREDIT CARD . OTHER: ANNUAL SUBTOTAL 3,709 ICC PREMIUM 70 SUBTOTAL 3,779 CRS PREMIUM DISCOUNT % . SUBTOTAL 3,779 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) PROBATION SURCHARGE . FEDERAL POLICY FEE 200 TOTAL PREPAID AMOUNT 3,979 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $3,204 / Contents: $505 2. Apply Deductible Factor: Building: 1.00 x $3,204 = $3,204 / Contents: 1.00 x $505 = $505 3. Premium Reduction: Building: $0 / Contents: $0 4. Subtotal: $3,709 5. Add ICC Premium: $70 6. Subtract CRS Discount: N/A 7. Subtotal: $3,779 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $200 10. Total Prepaid Amount: $3,979 CLAIMS ADJUSTMENT WITH COINSURANCE PROVISION Coinsurance Penalty does not apply since minimum insurance amount of 80% was met. CONDOMINIUM RATING EXAMPLE 3 POST-FIRM, LOW-RISE, COINSURANCE PENALTY, ZONE AE Regular Program . Building Coverage: $750,000 . Contents Coverage: $100,000 . Condominium Type: Low-rise . Flood Zone: AE . Occupancy: Other Residential . # of Units: 14 . Date of Construction: Post-FIRM . Building Type: 2 Floors, No Basement/Enclosure . Deductible: $1,000/$1,000 . Deductible Factor: 1.000 . Replacement Cost: $1,120,000 . Elevation Difference: +1 . 80% Coinsurance Amount: $896,000 . ICC Premium: $5 ($30,000 Coverage) . CRS Rating: N/A . CRS Discount: N/A Determined Rates: Building: .29/.08 Contents: .38/.12 COVERAGE BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM PREM. REDUCTION/ INCREASE TOTAL AMOUNT OF INSURANCE BUILDING 750,000 .29 2,175 0 .08 0 0 750,000 2,175 CONTENTS 25,000 .38 95 75,000 .12 90 0 100,000 185 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) . MANUAL . SUBMIT FOR RATING . ALTERNATIVE . V-ZONE RISK RATING FORM . PROVISIONAL RATING . LEASED FEDERAL PROPERTY . MORTGAGE PORTFOLIO PROTECTION PROGRAM PAYMENT OPTION: . CREDIT CARD . OTHER: ANNUAL SUBTOTAL 2,360 ICC PREMIUM 5 SUBTOTAL 2,365 CRS PREMIUM DISCOUNT % . SUBTOTAL 2,365 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) PROBATION SURCHARGE . FEDERAL POLICY FEE 440 TOTAL PREPAID AMOUNT 2,805 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $2,175 / Contents: $185 2. Apply Deductible Factor: Building: 1.000 x $2,175 = $2,175 / Contents: 1.000 x $185 = $185 3. Premium Reduction/Increase: Building: $0 / Contents: $0 4. Subtotal: $2,360 5. Add ICC Premium: $5 6. Subtract CRS Discount: N/A 7. Subtotal: $2,365 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $440 10. Total Prepaid Amount: $2,805 CLAIMS ADJUSTMENT WITH COINSURANCE PROVISION Claim Payment is determined as follows: (Insurance Carried) 750,000 x (Amount of Loss) 300,000 = (Limit of Recovery) 251,116 - Less Deductible (Insurance Required) 896,000 (Coinsurance Penalty applies because minimum insurance amount of $896,000 was not met.) CONDOMINIUM RATING EXAMPLE 4 POST-FIRM, LOW-RISE, STANDARD DEDUCTIBLE, ZONE AE Regular Program . Building Coverage: $600,000 . Contents Coverage: $15,000 . Condominium Type: Low-rise . Flood Zone: AE . Occupancy: Other Residential . # of Units: 6 . Date of Construction: Post-FIRM . Building Type: 3 Floors, Townhouse, No Basement/Enclosure . Deductible: $1,000/$1,000 . Deductible Factor: 1.000 . Replacement Cost: $600,000 . Elevation Difference: +2 . 80% Coinsurance Amount: $480,000 . ICC Premium: $5 ($30,000 Coverage) . CRS Rating: N/A . CRS Discount: N/A Determined Rates: Building: .20/.08 Contents: .38/.12 COVERAGE BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM PREM. REDUCTION/ INCREASE TOTAL AMOUNT OF INSURANCE BUILDING 360,000 .20 720 240,000 .08 192 0 600,000 912 CONTENTS 15,000 .38 57 0 .12 0 0 15,000 57 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) . MANUAL . SUBMIT FOR RATING . ALTERNATIVE . V-ZONE RISK RATING FORM . PROVISIONAL RATING . LEASED FEDERAL PROPERTY . MORTGAGE PORTFOLIO PROTECTION PROGRAM PAYMENT OPTION: . CREDIT CARD . OTHER: ANNUAL SUBTOTAL 969 ICC PREMIUM 5 SUBTOTAL 974 CRS PREMIUM DISCOUNT % . SUBTOTAL 974 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) PROBATION SURCHARGE . FEDERAL POLICY FEE 200 TOTAL PREPAID AMOUNT 1,174 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $912 / Contents: $57 2. Apply Deductible Factor: Building: 1.000 x $912 = $912 / Contents: 1.000 x $57 = $57 3. Premium Reduction/Increase: Building: $0 / Contents: $0 4. Subtotal: $969 5. Add ICC Premium: $5 6. Subtract CRS Discount: N/A 7. Subtotal: $974 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $200 10. Total Prepaid Amount: $1,174 CLAIMS ADJUSTMENT WITH COINSURANCE PROVISION Coinsurance Penalty does not apply since the minimum insurance amount of 80% was met. CONDOMINIUM RATING EXAMPLE 5 PRE-FIRM, HIGH-RISE, STANDARD DEDUCTIBLE, COINSURANCE PENALTY, ZONE A Regular Program . Building Coverage: $1,110,000 . Contents Coverage: $100,000 . Condominium Type: High-rise . Flood Zone: A . Occupancy: Other Residential . # of Units: 50 . Date of Construction: Pre-FIRM . Building Type: 3 or More Floors, No Basement/Enclosure . Deductible: $2,000/$2,000 . Deductible Factor: 1.000 . Replacement Cost: $1,500,000 . Elevation Difference: N/A . 80% Coinsurance Amount: $1,200,000 . ICC Premium: $70 ($30,000 Coverage) . CRS Rating: 5 . CRS Discount: 25% Determined Rates: Building: .85/.22 Contents: .96/.74 COVERAGE BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM PREM. REDUCTION/ INCREASE TOTAL AMOUNT OF INSURANCE BUILDING 175,000 .85 1,488 935,000 .22 2,057 0 1,110,000 3,545 CONTENTS 25,000 .96 240 75,000 .74 555 0 100,000 795 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) . MANUAL . SUBMIT FOR RATING . ALTERNATIVE . V-ZONE RISK RATING FORM . PROVISIONAL RATING . LEASED FEDERAL PROPERTY . MORTGAGE PORTFOLIO PROTECTION PROGRAM PAYMENT OPTION: . CREDIT CARD . OTHER: ANNUAL SUBTOTAL 4,340 ICC PREMIUM 70 SUBTOTAL 4,410 CRS PREMIUM DISCOUNT 25% -1,103 SUBTOTAL 3,307 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) PROBATION SURCHARGE . FEDERAL POLICY FEE 840 TOTAL PREPAID AMOUNT 4,147 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $3,545 / Contents: $795 2. Apply Deductible Factor: Building: 1.000 x $3,545 = $3,545 / Contents: 1.000 x $795 = $795 3. Premium Reduction/Increase: Building: $0 / Contents: $0 4. Subtotal: $4,340 5. Add ICC Premium: $70 6. Subtract CRS Discount: - $1,103 (25%) 7. Subtotal: $3,307 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $840 10. Total Prepaid Amount: $4,147 CLAIMS ADJUSTMENT WITH COINSURANCE PROVISION Claim Payment is determined as follows: (Insurance Carried) 1,110,000 x (Amount of Loss) 200,000 = (Limit of Recovery) 185,000 - Less Deductible (Insurance Required) 1,200,000 (Coinsurance Penalty applies because minimum insurance amount of $1,200,000 was not met.) CONDOMINIUM RATING EXAMPLE 6 PRE-FIRM, HIGH-RISE, BASEMENT, MAXIMUM DISCOUNT, ZONE AE Regular Program . Building Coverage: $3,000,000 . Contents Coverage: $100,000 . Condominium Type: High-rise . Flood Zone: AE . Occupancy: Other Residential . # of Units: 50 . Date of Construction: Pre-FIRM . Building Type: 3 or More Floors, including Basement . Deductible: $5,000/$5,000 . Deductible Factor: .940 (Maximum Total Discount of $221 applies) . Replacement Cost: $3,750,000 . Elevation Difference: N/A . 80% Coinsurance Amount: $3,000,000 . ICC Premium: $70 ($30,000 Coverage) . CRS Rating: 8 . CRS Discount: 10% Determined Rates: Building: .90/.30 Contents: .96/.90 COVERAGE BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM PREM. REDUCTION/ INCREASE TOTAL AMOUNT OF INSURANCE BUILDING 175,000 .90 1,575 2,825,000 .30 8,475 -221 3,000,000 9,829 CONTENTS 25,000 .96 240 75,000 .90 675 0 100,000 915 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) . MANUAL . SUBMIT FOR RATING . ALTERNATIVE . V-ZONE RISK RATING FORM . PROVISIONAL RATING . LEASED FEDERAL PROPERTY . MORTGAGE PORTFOLIO PROTECTION PROGRAM PAYMENT OPTION: . CREDIT CARD . OTHER: ANNUAL SUBTOTAL 10,744 ICC PREMIUM 70 SUBTOTAL 10,814 CRS PREMIUM DISCOUNT 10% -1,081 SUBTOTAL 9,733 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) PROBATION SURCHARGE . FEDERAL POLICY FEE 840 TOTAL PREPAID AMOUNT 10,573 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $10,050 / Contents: $915 2. Apply Deductible Factor: Building: .940 x $10,050 = $9,447 / Contents: .940 x $915 = $860 3. Premium Reduction: Building: $221 (maximum discount since $10,050 - $9,447 = $603 exceeds the maximum) / Contents: $0 4. Subtotal: $10,744 5. Add ICC Premium: $70 6. Subtract CRS Discount: -$1,081 (10%) 7. Subtotal: $9,733 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $840 10. Total Prepaid Amount: $10,573 CLAIMS ADJUSTMENT WITH COINSURANCE PROVISION Coinsurance Penalty does not apply since the minimum insurance amount of 80% was met. NOTE: The NFIP accepts premium only in whole dollars. If the discount for an optional deductible does not result in a whole dollar premium, round up if 50¢ or more; round down if less. Always submit gross premium. CONDOMINIUM RATING EXAMPLE 7 POST-FIRM, HIGH-RISE, STANDARD DEDUCTIBLE, ZONE AE Regular Program . Building Coverage: $12,000,000 . Contents Coverage: $15,000 . Condominium Type: High-rise . Flood Zone: AE . Occupancy: Other Residential . # of Units: 100 . Date of Construction: Post-FIRM . Building Type: 3 or More Floors, No Basement/Enclosure . Deductible: $1,000/$1,000 . Deductible Factor: 1.000 . Replacement Cost: $15,000,000 . Elevation Difference: 0 . 80% Coinsurance Amount: $12,000,000 . ICC Premium: $5 ($30,000 Coverage) . CRS Rating: 9 . CRS Discount: 5% Determined Rates: Building: 1.43/.05 Contents: .67/.12 COVERAGE BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM PREM. REDUCTION/ INCREASE TOTAL AMOUNT OF INSURANCE BUILDING 175,000 1.43 2,503 11,825,000 .05 5,913 0 12,000,000 8,416 CONTENTS 15,000 .67 101 0 .12 0 0 15,000 101 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) . MANUAL . SUBMIT FOR RATING . ALTERNATIVE . V-ZONE RISK RATING FORM . PROVISIONAL RATING . LEASED FEDERAL PROPERTY . MORTGAGE PORTFOLIO PROTECTION PROGRAM PAYMENT OPTION: . CREDIT CARD . OTHER: ANNUAL SUBTOTAL 8,517 ICC PREMIUM 5 SUBTOTAL 8,522 CRS PREMIUM DISCOUNT 5% -426 SUBTOTAL 8,096 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) PROBATION SURCHARGE . FEDERAL POLICY FEE 840 TOTAL PREPAID AMOUNT 8,936 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $8,416 / Contents: $101 2. Apply Deductible Factor: Building: 1.000 x $8,416 = $8,416 / Contents: 1.000 x $101 = $101 3. Premium Reduction/Increase: Building: $0 / Contents: $0 4. Subtotal: $8,517 5. Add ICC Premium: $5 6. Subtract CRS Discount: - $426 (5%) 7. Subtotal: $8,096 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $840 10. Total Prepaid Amount: $8,936 CLAIMS ADJUSTMENT WITH COINSURANCE PROVISION Coinsurance Penalty does not apply since the minimum insurance amount of 80% was met. NOTE: The NFIP accepts premium only in whole dollars. If the discount for an optional deductible does not result in a whole dollar premium, round up if 50¢ or more; round down if less. Always submit gross premium. CONDOMINIUM RATING EXAMPLE 8 PRE-FIRM, HIGH-RISE, ENCLOSURE, MAXIMUM DISCOUNT, COINSURANCE PENALTY, ZONE AE Regular Program . Building Coverage: $4,000,000 . Contents Coverage: $100,000 . Condominium Type: High-rise . Flood Zone: AE . Occupancy: Other Residential . # of Units: 200 . Date of Construction: Pre-FIRM . Building Type: 3 or More Floors, Including Enclosure . Deductible: $3,000/$3,000 . Deductible Factor: .980 (Maximum Total Discount of $111 applies) . Replacement Cost: $18,000,000 . Elevation Difference: N/A . 80% Coinsurance Amount: $14,400,000 . ICC Premium: $70 ($30,000 Coverage) . CRS Rating: N/A . CRS Discount: N/A Determined Rates: Building: .90/.22 Contents: .96/1.07 COVERAGE BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM PREM. REDUCTION/ INCREASE TOTAL AMOUNT OF INSURANCE BUILDING 175,000 .90 1,575 3,825,000 .22 8,415 -111 4,000,000 9,879 CONTENTS 25,000 .96 240 75,000 1.07 803 0 100,000 1,043 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) . MANUAL . SUBMIT FOR RATING . ALTERNATIVE . V-ZONE RISK RATING FORM . PROVISIONAL RATING . LEASED FEDERAL PROPERTY . MORTGAGE PORTFOLIO PROTECTION PROGRAM PAYMENT OPTION: . CREDIT CARD . OTHER: ANNUAL SUBTOTAL 10,922 ICC PREMIUM 70 SUBTOTAL 10,992 CRS PREMIUM DISCOUNT % . SUBTOTAL 10,999 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) PROBATION SURCHARGE . FEDERAL POLICY FEE 840 TOTAL PREPAID AMOUNT 11,832 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $9,990 / Contents: $1,043 2. Apply Deductible Factor: Building: .980 x $9,990 = $9,790 / Contents: .980 x $1,043 = $1,022 3. Premium Reduction: Building: $111 (maximum discount since $9,990 - $9,790 = $200 exceeds the maximum) / Contents: $0 4. Subtotal: $10,922 5. Add ICC Premium: $70 6. Subtract CRS Discount: N/A 7. Subtotal: $10,992 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $840 10. Total Prepaid Amount: $11,832 CLAIMS ADJUSTMENT WITH COINSURANCE PROVISION Claim Payment is determined as follows: (Insurance Carried) 4,000,000 x (Amount of Loss) 1,000,000 = (Limit of Recovery) 277,778 - Less Deductible (Insurance Required) 14,400,000 (Coinsurance Penalty applies because minimum insurance amount of $14,400,000 was not met.) 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. I. LOWEST FLOOR DETERMINATION The following guidance, along with the comments accompanying each building drawing provided in this section, will help insurance agents 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 located in an A zone (any flood zone beginning with the letter A) has an attached garage, and the floor level of the garage is below the level of the building, and there is machinery/equipment on the floor of the garage that is below the Base Flood Elevation (BFE), the lowest floor is the garage floor unless the garage has proper openings (flood vents). See “Proper Openings” in the Definitions section. 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 finished wall [paneling, etc.]); or . The unfinished enclosed space is used for other than building access (stairwells, elevators, etc.), parking, or storage; or . The unfinished enclosed space has no proper openings (flood vents). 1. Enclosures with Openings 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 the enclosure or crawlspace, the application should indicate “No” 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, garage, or 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 minimum of two openings must be provided, with positioning on at least two 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. . If the enclosure floor is partially subgrade, a minimum of two 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 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 flood LFG 1 October 1, 2010 waters. 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 their underwriting files: . 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: (a) a statement certifying that the openings are designed to automatically equalize hydrostatic flood loads on exterior walls by allowing the automatic entry and exit of floodwaters; (b) 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 (c) description of the installation requirements or limitations that, if not followed, will void the certification; or . 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. Elevated Buildings in V Zones 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 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 LFG 2 October 1, 2010 items permanently affixed to the building and that provide utility services for the building—i.e., furnaces, hot 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 . 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 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 on page RATE 7 or page CONDO 19, as appropriate. Also use these rates if an enclosure has solid load-bearing walls that provide less than 25 percent 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” on page RATE 24. II. USE OF ELEVATION CERTIFICATE 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, pages CERT 1-3, for more information on using the EC.) A. Mandatory Use of Elevation Certificate An EC is required for a Post-FIRM building located in Zones AE, A1-A30, VE, 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 Estimated BFE), Zone AH, and Zone AO, if the building has a basement or enclosure without proper openings. If the building is Post-FIRM construction located in unnumbered A Zones, check with the community official to determine if there is an estimated Base Flood Elevation. If available, an EC that certifies the lowest floor elevation must be submitted. B. Guidelines for Determining the Conversion from NGVD 1929 to NAVD 1988 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 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, click on ”Height Conversion” and 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 2.987 feet and a building elevation of LFG 2A October 1, 2010 57.186 feet NAVD 88. Rounded to a tenth of a foot, the building elevation is 57.2 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 2.987 feet. Use the building elevation of 54.2 ft. The building elevation in NGVD 29 is 51.214 feet. Rounded to a tenth of a foot, the building elevation is 51.2 feet NGVD 29. C. Optional Rating Using the Elevation Certificate 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. In addition, the EC is optional in unnumbered A Zones (With or Without Estimated BFE), Zone AH, and Zone AO if the building has no basement or enclosure. LFG 2B October 1, 2010 NON-ELEVATED BUILDINGSPRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30 1 LF . Lowest Floor 4 HAG . Highest Adjacent Grade 2 BFE . Base Flood Elevation 5 See page LFG 2 for optional elevation rating 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-RateLetters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspondto Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description Two floors on slab with attached garage (See Elevation Certificate, Diagram 1A) Machinery or Equipment Servicing Building Machinery or equipment in garage Lowest Floor for Rating Top of finished floor if the garage is used for parking vehicle and storage and the machinery/equipment is at or above the BFE, or if the M/E is below the BFE and the garage is properly vented. Application Should Show Building Type — Two floors Basement— NoneIs Building Elevated? — No Pre-FIRM Rating5 If LF 1 elevation is equal to or greater than the BFE2 , use Post-FIRM rate table no basement/enclosure category. If LF1 elevation is less than BFE 2 , use Pre-FIRM rate table no basement/enclosure category. Post-FIRM Rating Use Post-FIRM rate table no basement/enclosure category. If LF1 elevation is 2 or more feet below the BFE2 , submit the application to the NFIP for a rate. LFG 27 May 1, 2010 NON-ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30 1 LF . Lowest Floor 4 HAG . Highest Adjacent Grade 2 BFE . Base Flood Elevation 5 See page LFG 2 for optional elevation rating 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-RateLetters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspondto Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description Two floors and 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. Machinery or Equipment Servicing Building With or without machinery or equipment Lowest Floor for Rating Subgrade crawlspace Application Should Show Building Type . Three or more floorsIs Building Elevated? . No Subgrade crawlspace Pre-FIRM Rating5 If LF1 elevation is equal to or greater than the BFE2 , use Post-FIRM rate table with basement/enclosure/crawlspace category. If LF1 elevation is less than BFE2 , 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-FIRM Rating Use Post-FIRM rate table with basement/enclosure/crawlspace category. If LF1 elevation is 1 or more feet below the BFE2 , submit the application to the NFIP for a rate. See "H. Crawlspace" on page RATE 25A. LFG 28 October 1, 2010 PREFERRED RISK POLICY I. GENERAL DESCRIPTION The Preferred Risk Policy (PRP) offers low-cost coverage to owners and tenants of eligible buildings located in the moderate-risk B, C, and X Zones in NFIP Regular Program communities. For residential properties, the maximum coverage combination is $250,000 building and $100,000 contents. Up to $100,000 contents-only coverage is available. For non-residential properties, the maximum coverage combination is $500,000 building and $500,000 contents. Up to $500,000 contents-only coverage is available. Only one building can be insured per policy, and only one policy can be written on each building. II. ELIGIBILITY REQUIREMENTS A. Flood Zone To be eligible for coverage under the PRP, the building must be in a B, C, or X Zone on the effective date of the policy, with the following exceptions: . Buildings that were newly designated within a Special Flood Hazard Area (SFHA) due to a map revision on or after October 1, 2008, and before January 1, 2011, are eligible for a PRP for 2 policy years if their policy effective date is between January 1, 2011, and December 31, 2012. . Buildings that are newly designated within an SFHA due to a map revision on or after January 1, 2011, are eligible for a PRP for 2 policy years from the map revision date. Buildings meeting the above requirement must also meet the PRP loss history requirements. At the end of the 2-year PRP eligibility extension period following a map revision, policies on these buildings must be written as standard-rated policies. For the purpose of determining the flood zone, the agent may use the FIRM in effect at the time of application and presentment of premium. The flood map available at the time of the renewal offer determines a building’s continued eligibility for the PRP. (See V. RENEWAL.) NFIP map grandfathering rules do not apply to the PRP. B. Occupancy Combined building/contents amounts of insurance are available for owners of all eligible occupancy types—one- to four-family properties (including individual condominium units in condominium buildings), other residential properties, and non-residential properties. Contents-only coverage is available for tenants and owners of all eligible occupancies, except when contents are located entirely in a basement. C. Loss History A building's eligibility for the PRP is based on the preceding requirements and on the building’s flood loss history. If one of the following conditions exists within any 10-year period, regardless of any change(s) in ownership of the building, then the building is not eligible for the PRP: . 2 flood insurance claim payments, each more than $1,000; or . 3 or more flood insurance claim payments, regardless of amount; or . 2 Federal flood disaster relief payments (including loans and grants), each more than $1,000; or . 3 Federal flood disaster relief payments (including loans and grants), regardless of amount; or . 1 flood insurance claim payment and 1 Federal flood disaster relief payment (including loans and grants), each more than $1,000. In reviewing a building’s flood loss history for PRP eligibility, be aware that: . A flood insurance claim payment (building and/or contents) and a Federal flood disaster relief payment (including loans and grants) for the same loss are considered a single payment. . Federal flood disaster relief payments (including loans and grants) are considered only if the building sustained flood damage. THE PRP AT A GLANCE COVERAGE TYPE MAXIMUM LIMITS BY OCCUPANCY TYPE 1-4 Family Other Residential Non-Residential Combined Building/Contents $250,000/$100,000 $250,000/$100,000 $500,000/$500,000 Contents Only $100,000 $100,000 $500,000 PRP 1 January 1, 2011 III. INELIGIBILITY For help in determining eligibility/ineligibility of various condominium risks, use the PRP Condominium Rating Chart on the next page. . Properties in Special Flood Hazard Areas or in Emergency Program communities are not eligible for the PRP. . Multi-unit residential condominium buildings eligible under the Residential Condominium Building Association Policy are not eligible for the PRP. . Individual residential condominium units in non-residential condominium buildings are not eligible for building coverage. . Individual non-residential condominium units are not eligible for building coverage. . Contents located entirely in a basement are not eligible for contents-only coverage. However, contents located entirely in an enclosure are eligible. . Condominium units are not eligible for Increased Cost of Compliance (ICC) coverage. . Buildings on Leased Federal Property determined by the Administrator to be located on the river-facing side of any dike, levee, or other riverine flood control structure, or seaward of any seawall or other coastal flood control structure are not eligible for the PRP. IV. DOCUMENTATION All Preferred Risk Policy new business applications must include documentation of eligibility for the PRP. Such applications must be accompanied by one of the following: . A Letter of Map Amendment (LOMA) . A Letter of Map Revision (LOMR) . A Letter of Determination Review (LODR) . A copy of the most recent flood map marked to show the exact location of the property and flood zone of the building . A copy of the current and previous flood maps if the PRP is being applied for under the 2-year PRP eligibility extension . A letter indicating the property address and flood zone of the building, and signed and dated by a local community official . An Elevation Certificate indicating the exact location and flood zone of the building, and signed and dated by a surveyor, engineer, architect, or local community official . A flood zone determination certification that guarantees the accuracy of the information. An agent writing through a Write Your Own (WYO) company should contact that company for guidance. V. RENEWAL An eligible risk renews automatically without submission of a new application. If, during a policy term, the risk fails to meet the eligibility requirements, it cannot be renewed as a PRP. It must be nonrenewed or rewritten as a standard-rated policy. Effective May 1, 2008, if there has been a map change during the policy term that may affect the insured property, proof of the building’s continued eligibility for the PRP must be provided for the policy to be renewed. In addition, effective January 1, 2011, PRPs renewed under the 2-year PRP eligibility extension must have the current and previous flood maps to document the building’s eligibility. (See IV. DOCUMENTATION.) VI. COVERAGE LIMITS The elevated building coverage limitation provisions do not apply to the PRP. VII. REPLACEMENT COST COVERAGE Replacement cost coverage applies only if the building is the principal residence of the insured and the building coverage chosen is at least 80 percent of the replacement cost of the building at the time of the loss, or the maximum coverage available under the NFIP. VIII. DISCOUNTS/FEES/ICC PREMIUM . No Community Rating System discount is associated with the PRP. . The $50.00 Community Probation Sur­charge is added, when applicable. . The Federal Policy Fee of $20.00 is included in the premium and is not subject to commission. . The ICC premium of $5.00 is included. IX. DEDUCTIBLES The standard deductible for PRPs is $1,000 each for building and contents, applied separately. Optional deductibles are not available for PRPs. PRP 2 January 1, 2011 PREFERRED RISK POLICY CONDOMINIUM RATING CHART RESIDENTIAL SINGLE UNIT BUILDING OR TOWNHOUSE/ROWHOUSE TYPE.BUILDING WITH SEPARATE ENTRANCE FOR EACH UNIT PRP 3 May 1, 2010 PURCHASER OF POLICY Building Occupancy11 Condo UnitIndicator1 PRPEligibility Rate Table2 Policy Form UNIT OWNER SINGLE FAMILY Yes Yes One- to Four-Family Residential DWELLING ASSOCIATION(ASSOCIATION-OWNED SINGLE UNIT ONLY) SINGLE FAMILY Yes Yes One- to Four-Family Residential DWELLING ASSOCIATION(ENTIRE BUILDING) N/A N/A No N/A N/A MULTI-UNIT RESIDENTIAL BUILDING.2 TO 4 UNITS PER BUILDING PURCHASER OF POLICY Building Occupancy1 Condo UnitIndicator1 PRPEligibility Rate Table2 Policy Form UNIT OWNER 2-4 Yes Yes One- to Four-Family Residential DWELLING ASSOCIATION(ASSOCIATION-OWNED SINGLE UNIT ONLY) 2-4 Yes Yes One- to Four-Family Residential DWELLING ASSOCIATION(ENTIRE BUILDING) N/A N/A No N/A N/A MULTI-UNIT RESIDENTIAL BUILDING.5 OR MORE UNITS PER BUILDING PURCHASER OF POLICY Building Occupancy1 Condo UnitIndicator1 PRPEligibility Rate Table2 Policy Form UNIT OWNER OTHER RESIDENTIAL Yes Yes Other Residential DWELLING ASSOCIATION(ASSOCIATION-OWNED SINGLE UNIT ONLY) OTHER RESIDENTIAL Yes Yes Other Residential DWELLING ASSOCIATION(ENTIRE BUILDING) N/A N/A No N/A N/A NON-RESIDENTIAL BUILDING PURCHASER OF POLICY Building Occupancy1 Condo UnitIndicator1 PRPEligibility Rate Table2 Policy Form UNIT OWNER NON-RESIDENTIAL Yes(BUILDINGCOVERAGE NOTAVAILABLE,ONLYCONTENTS) Yes Non-Residential Contents Only GENERAL PROPERTY UNIT OWNER SINGLE FAMILY Yes(BUILDINGCOVERAGE NOTAVAILABLE,ONLYCONTENTS) Yes One- to Four-Family ResidentialorOther Residential if 5 or more units DWELLING ASSOCIATION NON-RESIDENTIAL N/A Yes Non-Residential Building and Contents GENERAL PROPERTY 1When there is a mixture of residential and commercial usage within a single building, please refer to the GR Section of the Flood Insurance Manual. 2All building rates are based on the lowest floor of the building. PRP COVERAGES AVAILABLE EFFECTIVE JANUARY 1, 2011 ONE- TO FOUR-FAMILY RESIDENTIAL BUILDING AND CONTENTS COVERAGE COMBINATIONS1, 2, 3 With Basement or Enclosure5 Without Basement or Enclosure6 Building Contents Premium Building Contents Premium $ 20,000 $ 8,000 $154 $ 20,000 $ 8,000 $129 $ 30,000 $ 12,000 $185 $ 30,000 $ 12,000 $160 $ 50,000 $ 20,000 $236 $ 50,000 $ 20,000 $211 $ 75,000 $ 30,000 $277 $ 75,000 $ 30,000 $247 $100,000 $ 40,000 $304 $100,000 $ 40,000 $274 $125,000 $ 50,000 $324 $125,000 $ 50,000 $294 $150,000 $ 60,000 $343 $150,000 $ 60,000 $313 $200,000 $ 80,000 $378 $200,000 $ 80,000 $343 $250,000 $100,000 $405 $250,000 $100,000 $365 ALL RESIDENTIAL CONTENTS-ONLY COVERAGE1, 2, 4 Contents Above Ground Level More Than One Floor All Other Locations (Basement-Only Not Eligible) Contents Premium Contents Premium $ 8,000 $49 $ 8,000 $68 $ 12,000 $65 $ 12,000 $92 $ 20,000 $96 $ 20,000 $128 $ 30,000 $110 $ 30,000 $147 $ 40,000 $122 $ 40,000 $164 $ 50,000 $134 $ 50,000 $181 $ 60,000 $146 $ 60,000 $198 $ 80,000 $170 $ 80,000 $218 $100,000 $194 $100,000 $238 OTHER RESIDENTIAL BUILDING AND CONTENTS COVERAGE COMBINATIONS1, 2, 3 With Basement or Enclosure5 Contents Coverage $8,000 $12,000 $20,000 $30,000 $40,000 $50,000 $60,000 $80,000 $100,000 Building Coverage $ 20,000 $168 $182 $195 $208 $220 $231 $242 $252 $262 $ 30,000 $182 $196 $209 $222 $234 $245 $256 $266 $276 $ 50,000 $216 $230 $243 $256 $268 $279 $290 $300 $310 $ 75,000 $232 $246 $259 $272 $284 $295 $306 $316 $326 $100,000 $254 $268 $281 $294 $306 $317 $328 $338 $348 $125,000 $261 $275 $288 $301 $313 $324 $335 $345 $355 $150,000 $266 $280 $293 $306 $318 $329 $340 $350 $360 $200,000 $297 $311 $324 $337 $349 $360 $371 $381 $391 $250,000 $314 $328 $341 $354 $366 $377 $388 $398 $408 OTHER RESIDENTIAL BUILDING AND CONTENTS COVERAGE COMBINATIONS1, 2, 3 Without Basement or Enclosure6 Contents Coverage $8,000 $12,000 $20,000 $30,000 $40,000 $50,000 $60,000 $80,000 $100,000 Building Coverage $ 20,000 $140 $152 $163 $174 $184 $194 $203 $212 $220 $ 30,000 $158 $169 $180 $191 $201 $211 $220 $229 $237 $ 50,000 $193 $204 $215 $226 $236 $246 $255 $264 $272 $ 75,000 $213 $224 $235 $245 $255 $265 $274 $283 $291 $100,000 $231 $242 $253 $263 $273 $283 $292 $301 $309 $125,000 $240 $251 $262 $272 $282 $291 $300 $309 $317 $150,000 $247 $258 $269 $279 $289 $298 $307 $316 $324 $200,000 $275 $286 $297 $307 $317 $326 $335 $343 $351 $250,000 $290 $301 $312 $322 $332 $341 $350 $358 $366 1Add the $50.00 Probation Surcharge, if applicable. 2Premium includes Federal Policy Fee of $20.00. 3Premium includes ICC premium of $5.00. Deduct this amount if the risk is a condominium unit. 4Use this “All Residential Contents-Only Coverage” premium table for individual residential condominium unit contents-only policies. 5Do not use this section of the table for buildings with crawlspaces or subgrade crawlspaces. See footnote 6. 6Use this section of the table for buildings with crawlspaces or subgrade crawlspaces. PRP 4 January 1, 2011 PRP COVERAGES AVAILABLE EFFECTIVE JANUARY 1, 2011 (cont’d.) NON-RESIDENTIAL BUILDING AND CONTENTS COVERAGE COMBINATIONS1, 2, 3 With Basement or Enclosure4 Contents Coverage $50,000 $100,000 $150,000 $200,000 $250,000 $300,000 $350,000 $400,000 $450,000 $500,000 Building Coverage $ 50,000 $ 897 $1,156 $1,404 $1,640 $1,865 $2,079 $2,282 $2,473 $2,653 $2,822 $100,000 $1,271 $1,530 $1,777 $2,013 $2,238 $2,452 $2,655 $2,846 $3,026 $3,195 $150,000 $1,546 $1,805 $2,052 $2,288 $2,513 $2,727 $2,930 $3,121 $3,301 $3,470 $200,000 $1,695 $1,954 $2,201 $2,437 $2,662 $2,876 $3,079 $3,270 $3,450 $3,619 $250,000 $1,800 $2,059 $2,306 $2,542 $2,767 $2,981 $3,184 $3,375 $3,555 $3,724 $300,000 $1,916 $2,175 $2,422 $2,658 $2,883 $3,097 $3,300 $3,491 $3,671 $3,840 $350,000 $2,044 $2,303 $2,550 $2,786 $3,011 $3,225 $3,427 $3,618 $3,798 $3,967 $400,000 $2,128 $2,387 $2,634 $2,870 $3,095 $3,309 $3,511 $3,702 $3,882 $4,051 $450,000 $2,224 $2,483 $2,730 $2,966 $3,191 $3,405 $3,607 $3,798 $3,978 $4,147 $500,000 $2,329 $2,588 $2,835 $3,071 $3,296 $3,510 $3,712 $3,903 $4,083 $4,252 NON-RESIDENTIAL BUILDING AND CONTENTS COVERAGE COMBINATIONS1, 2, 3 Without Basement or Enclosure5 Contents Coverage $50,000 $100,000 $150,000 $200,000 $250,000 $300,000 $350,000 $400,000 $450,000 $500,000 Building Coverage $ 50,000 $ 567 $ 705 $ 837 $ 963 $1,083 $1,197 $1,305 $1,407 $1,503 $1,593 $100,000 $ 759 $ 897 $1,029 $1,155 $1,275 $1,389 $1,497 $1,599 $1,695 $1,785 $150,000 $ 902 $1,040 $1,172 $1,298 $1,418 $1,532 $1,640 $1,742 $1,838 $1,928 $200,000 $1,051 $1,189 $1,321 $1,447 $1,567 $1,681 $1,789 $1,891 $1,987 $2,077 $250,000 $1,151 $1,289 $1,421 $1,547 $1,667 $1,781 $1,889 $1,991 $2,087 $2,177 $300,000 $1,257 $1,395 $1,527 $1,653 $1,773 $1,887 $1,995 $2,097 $2,193 $2,283 $350,000 $1,314 $1,452 $1,584 $1,710 $1,830 $1,944 $2,052 $2,154 $2,250 $2,340 $400,000 $1,377 $1,515 $1,647 $1,773 $1,893 $2,007 $2,115 $2,217 $2,313 $2,403 $450,000 $1,446 $1,584 $1,716 $1,842 $1,962 $2,076 $2,184 $2,286 $2,382 $2,472 $500,000 $1,521 $1,659 $1,791 $1,917 $2,037 $2,151 $2,259 $2,361 $2,457 $2,547 NON-RESIDENTIAL CONTENTS-ONLY COVERAGE1, 2 Contents Above Ground Level More Than One Floor All Other Locations (Basement-Only Not Eligible) Contents Premium Contents Premium $ 50,000 $162 $ 50,000 $ 347 $100,000 $237 $100,000 $ 517 $150,000 $312 $150,000 $ 687 $200,000 $387 $200,000 $ 857 $250,000 $462 $250,000 $1,027 $300,000 $537 $300,000 $1,197 $350,000 $612 $350,000 $1,367 $400,000 $687 $400,000 $1,537 $450,000 $762 $450,000 $1,707 $500,000 $837 $500,000 $1,877 1Add the $50.00 Probation Surcharge, if applicable. 2Premium includes Federal Policy Fee of $20.00. 3Premium includes ICC premium of $5.00. Deduct this amount if the risk is a condominium unit. 4Do not use this section of the table for buildings with crawlspaces or subgrade crawlspaces. See footnote 5. 5Use this section of the table for buildings with crawlspaces or subgrade crawlspaces. PRP 5 January 1, 2011 X. ENDORSEMENTS The PRP may be endorsed to: . Increase coverage mid-term, subject to the coverage limits in effect when the policy was issued or renewed. See page END 5 for an example. . Correct misratings, such as incorrect building description or community number. XI. CONVERSION OF STANDARD RATED POLICY TO PRP DUE TO MISRATING A policy written as a standard B, C, or X Zone policy and later found to be eligible for a PRP may be endorsed or rewritten as a PRP for only the current policy term. In addition, effective January 1, 2011, standard-rated policies, regardless of zone, found to be eligible for the 2­year PRP extension may be endorsed or rewritten. When the risk has been rated with other than B, C, or X Zone rates, but is later found to be in a B, C, or X Zone and eligible for a PRP, the writing company will be allowed to endorse or cancel/rewrite up to 6 years. The policy may be canceled/rewritten using Cancellation Reason Code 22 if both of the following conditions are met: . The request to endorse or cancel/rewrite the policy is received during the current policy term. . The policy has no open claim or closed paid claim on the policy term being canceled. The new PRP building and/or contents coverage will be equal either to the building limit issued under the Standard B, C, or X Zone policy or the next higher limit available under the PRP if there is no PRP option equal to the Standard B, C, or X Zone building limit. For a standard contents-only policy, the contents coverage will be equal to the limit issued under the standard policy or the next higher limit. If building coverage is desired, the policy should be endorsed for building and contents coverage with a 30-day waiting period applied. XII. CONVERSION OF STANDARD RATED POLICY TO PRP DUE TO THE 2-YEAR PRP ELIGIBILITY EXTENSION Effective January 1, 2011, a policy written as a standard-rated policy and determined to be eligible for extended PRP rating may be endorsed or rewritten as a PRP for two policy terms at its next renewal following a map change that occurred on or after October 1, 2008, and before January 1, 2011. The policy may be canceled/rewritten using Cancellation Reason Code 22 if both of the following conditions are met: . The request to endorse or cancel/rewrite the policy is received during the current policy term. . The policy has no open claim or closed paid claim on the policy term being canceled. When converting a standard-rated policy to a PRP due to the 2-year PRP eligibility extension, the 30-day waiting period will not apply if the standard-rated policy has only building coverage and is rewritten as a PRP that includes contents coverage. XIII. CONVERSION OF STANDARD RATED POLICY TO PRP DUE TO MAP REVISION, LOMA, OR LOMR A standard-rated policy may be canceled and rewritten as a PRP as a result of a map revision, LOMA, or LOMR if the effective date of the map change was on or after February 1, 2005. The policy may be canceled/rewritten using Cancellation Reason Code 24 under the following conditions: . The request to cancel/rewrite the standard policy must be received during the policy term or within 6 months of the policy expiration date. . The standard policy has no open claim or closed paid claim on the policy terms being canceled. . The property meets all other PRP eligibility requirements. The building and/or contents coverage on the new PRP must be equal either to the building limit and/or contents limit issued under the standard policy, or to the next higher limit available under the PRP if there is no PRP option equal to the standard policy building and/or contents limit. XIV. CONVERSION OF PRP TO STANDARD RATED POLICY A Preferred Risk Policy must be canceled and rewritten to a standard rated policy if the risk no longer meets the PRP eligibility requirements. PRP 6 January 1, 2011 The building and/or contents coverage on the new standard policy must be equal to the building limit and/or contents limit issued under the PRP. If new coverage is desired, the policy should be endorsed with a 30-day waiting period applied. XV. COMPLETING THE FLOOD INSURANCE PREFERRED RISK POLICY APPLICATION A. Policy Status In the upper right corner of the form, check the appropriate box to indicate if the application is for a NEW policy or a RENEWAL of an existing policy. If the application is for a renewal, enter the current NFIP policy number. B. Policy Term The PRP is available only for 1-year terms. 1. Check the appropriate box to indicate who should receive the renewal bill. If BILL FIRST MORTGAGEE is checked, complete "First Mortgagee" section. If BILL SECOND MORTGAGEE, BILL LOSS PAYEE, or BILL OTHER is checked, provide mailing instructions in "Second Mortgagee or Other" section. 2. Enter the policy effective date and policy expiration date (month-day-year). The effective date of the policy is determined by adding the appropriate waiting period to the date of application in the "Signature" section. Above these dates, check the appropriate box to indicate whether the waiting period is STANDARD 30-DAY or LOAN TRANSACTION OR LENDER REQUIRED– NO WAITING. Refer to the General Rules section, pages GR 8-12, for the applicable waiting period. C. Agent Information Enter the agent's (producer's) name, agency name and number, address, city, state, ZIP Code, telephone number, fax number, and Tax I.D. Number. D. Insured’s Mailing Address 1. Enter the name, mailing address, city, state, ZIP Code, and telephone number of the insured. 2. If the insured's mailing address is a post office box or a rural route number, or if the address of the property to be insured is different from the mailing address, complete the "Property Location" section of the application. E. Disaster Assistance 1. Check YES if flood insurance is being required for disaster assistance. Enter the insured's Case File Number, Disaster Assistance Number, or Tax I.D. Number on the line for CASE FILE NUMBER. 2. In the "Second Mortgagee or Other" block, identify the government (disaster) agency, and enter the complete name and mailing address of the disaster agency. 3. If NO is checked, no other information is required. F. First Mortgagee Enter the name, mailing address, city, state, ZIP Code, telephone number, and fax number of the first mortgagee. Enter the loan number. G. Second Mortgagee or Other 1. Identify additional mortgagees by checking the appropriate box and entering the loan number, mortgagee's name, mailing ad­dress, telephone number, and fax number. 2. If more than one additional mortgagee or disaster assistance agency exists, provide the requested information on the producer's letterhead. H. Property Location 1. Check YES if the location of the property being insured is the same as the address entered in the "Insured’s Mailing Address" section. Leave the rest of this section blank unless there is more than one building at the property location. 2. If more than one building is at the location of the insured property, use this section to specifically identify the building to be insured. Briefly describe the building or submit a sketch showing the location of insured buildings to assist the NFIP in matching the policy number to the specific building insured. 3. If NO, provide the address or location of the property to be insured. 4. If the insured's mailing address is a post office box or rural route number, give the street address, legal description, or geographic location of the property. PRP 7 January 1, 2011 I. Community 1. Enter the name of the county or parish where the property is located. Enter the community identification number, map panel number, and revision suffix for the community where the property is located. Use the FIRM in effect and that has been published at the time of presentment of premium and completion of application. Community number and status may be obtained by calling the writing company, consulting a local community official, or referencing the NFIP Community Status Book online at www.fema.gov/fema/csb.shtm. 2. Enter the Flood Insurance Rate Map zone. 3. Identify the information source. 4. Check YES if the building is located on federal land; otherwise, check NO. NOTE: If the property is federally leased, refer to the Leased Federal Property Section for guidance. J. Building and Contents Complete all required information in this section. 1. Check building occupancy: Single Family, 2­4 Family, Other Residential, or Non-Residential (incl. Hotel/Motel). 2. Enter date of construction. 3. Check building type. If the building has a basement, enclosure, crawlspace, or subgrade crawlspace, count the basement, enclosure, crawlspace, or subgrade crawlspace as a floor. If the building type is a manufactured (mobile) home/travel trailer on foundation, enter the make, model, and serial number in the block at the bottom of this section. 4. Check YES, if the building is under a Condominium Form of Ownership; otherwise check NO. (A homeowners association [HOA] may differ from a condominium form of ownership.) 5. Check location of building’s contents. (Contents located entirely in a basement are not eligible for contents-only coverage.) 6. Check YES if the building is the insured's principal residence; otherwise, check NO. 7. Using normal company practice, estimate the replacement cost value and enter the value in the space provided. Include the cost of the building foundation when determining the replacement cost value. 8. Indicate whether the building has a Basement, Enclosure, Crawlspace, or Subgrade Crawlspace. K. Notice If the answer to either question A or question B is YES, this risk is not eligible for the Preferred Risk Policy, except for buildings eligible under the 2-year PRP eligibility extension. L. Premium 1. Enter the coverage selected, and the premium, from the appropriate table on pages PRP 4-5. 2. Add the $50.00 Probation Surcharge, if applicable. Deduct $5.00 if this is an application for a condominium unit. M. Signature The producer must sign the Preferred Risk Policy Application and is responsible for the completeness and accuracy of the information provided on it. Enter the date of application (month/day/year). The waiting period is added to this date to determine the policy effective date of the policy listed in the Policy Term section. A check or money order for the Total Prepaid Amount, payable to the NFIP, must accompany the application. Electronics transactions are permitted if the business process includes authentication of signatures and dates of receipt of premium. WYO companies are responsible for determining the business practices and transaction authentication methods they will use to ensure the security and integrity of such transactions. A credit card payment by VISA, MasterCard, Discover, or American Express will also be acceptable if a disclaimer form, signed by the insured, is submitted with the Preferred Risk Policy Application. The disclaimer will state that cancellation of a policy due to a billing dispute will be permitted only for a billing error or fraud. If the credit card information is taken over the telephone by the producer, the producer may sign the authorization form on behalf of the payor only after having read the disclaimer to the payor. PRP 8 January 1, 2011 PRP 9 January 1, 2011 PRP 10 January 1, 2011 MORTGAGE PORTFOLIO PROTECTION PROGRAM I. BACKGROUND The Mortgage Portfolio Protection Program (MPPP) was introduced on January 1, 1991, as an additional tool to assist the mortgage lending and servicing industries in bringing their mortgage portfolios into compliance with the flood insurance requirements of the Flood Disaster Protection Act of 1973. The MPPP is not intended to act as a substitute for the need for mortgagees to review all mortgage loan applications at the time of loan origination and comply with flood insurance requirements as appropriate. Proper implementation of the various requirements of the MPPP usually results in mortgagors, after their notification of the need for flood insurance, either showing evidence of such a policy, or contacting their local insurance agent or appropriate Write Your Own (WYO) company to purchase the necessary coverage. It is intended that flood insurance policies be written under the MPPP only as a last resort, and only on mortgages whose mortgagors have failed to respond to the various notifications required by the MPPP. MORTGAGE PORTFOLIO PROTECTION PROGRAM RATE AND INCREASED COST OF COMPLIANCE (ICC) TABLE1, 2 ZONE MPPP Rates per $100 of Building Coverage3 MPPP Rates per $100 of Contents Coverage3 ICC Premium for $30,000 Coverage4, 5 Emergency Program Community 3.73 3.77 N/A A Zones - All building & occupancy types, except A99, AR, AR Dual Zones 3.73 / 1.89 3.77 / 1.80 70.00 V Zones - All building & occupancy types 5.56 / 5.56 5.22 / 5.22 70.00 A99 Zone, AR, AR Dual Zones .96 / .57 1.28 / .51 5.00 1Add Federal Policy Fee and Probation Surcharge, if applicable, when computing the premium. 2MPPP policies are not eligible for Community Rating System premium discounts. 3Basic and additional insurance limits are shown on page RATE 1. 4ICC coverage does not apply to contents-only policies or to individually owned condominium units insured under the Dwelling Form or General Property Form. 5The ICC premium is not eligible for the deductible discount. First calculate the deductible discount, then add in the ICC premium. II. REQUIREMENTS FOR PARTICIPATING IN THE MPPP The following paragraphs represent the criteria and requirements that must be followed by all parties engaged in the sale of flood insurance under the National Flood Insurance Program's Mortgage Portfolio Protection Program. A. General 1. All mortgagors notified, in conjunction with this Program, of their need to purchase flood insurance must be encouraged to obtain a Standard Flood Insurance Policy (SFIP) from their local agent. 2. When a mortgagee or a mortgage servicing company discovers, at any time following loan origination, that one or more of the loans in its portfolio is determined to be located in a Special Flood Hazard Area (SFHA), and that there is no evidence of flood insurance on such property(ies), then the MPPP may be used by such lender/servicer to obtain (force place) the required flood insurance coverage. The MPPP process can be accomplished with limited underwriting information and with special flat flood insurance rates. 3. In the event of a loss, the policy will have to be reformed if the wrong rate has been applied for the zone in which the property is located. Also, the amount of coverage may have to be changed if the building occupancy does not support that amount. 4. It will be the WYO company's responsibility to notify the mortgagor of all coverage limitations at the inception of coverage and to impose those limitations that are applicable at the time of loss adjustment. B. WYO Arrangement Article III—Fees With the implementation of the MPPP, there is no change in the method of WYO company allowance from that which is provided in the Financial Assistance/Subsidy Arrange­ment for all flood insurance written. C. Use of WYO Company Fees for Lenders/Servicers or Others 1. No portion of the allowance that a WYO company retains under the WYO Financial Assistance/ Subsidy Arrangement for the MPPP may be used to pay, reimburse or otherwise remunerate a lending institution, mortgage servicing company, or other similar type of company that the WYO company may work with to assist in its flood insurance compliance efforts. 2. The only exception to this is a situation where the lender/ servicer may be actually due a commission on any flood insurance policies written on any portion of the institution's portfolio because it was written through a licensed property insurance agent on their staff or through a licensed insurance agency owned by the institution or servicing company. D. Notification 1. WYO Company/Mortgagee— Any WYO company participating in the MPPP must notify the lender or servicer, for which it is providing the MPPP capability, of the requirements of the MPPP. The WYO company must obtain signed evidence from each such lender or servicer indicating their receipt GENERAL CHANGE ENDORSEMENT The NFIP General Change Endorsement form cannot be used to renew, extend, or change a policy term. However, the General Change Endorsement form, or a similar form for WYO companies, can be used to make certain types of coverage and rating changes or corrections to existing policy data. I. ENDORSEMENT RULES A. Coverage Endorsements 1. Additional Coverage or Increase in Amount of Insurance Added coverage, or an increase in the amount of insurance, is permitted at any time during a policy term. The additional premium is calculated pro rata for the balance of the policy term, at either the rate in effect on the endorsement effective date or the rate in effect on the policy effective date, in accordance with each WYO company’s standard business practice. (See Examples 1 through 4 at the end of this section.) Refer to the General Rules section, page GR 8, for the applicable waiting period. 2. Reduction of Insurance A reduction in the amount of building insurance cannot be made unless part of the building has been removed, which reduces the building’s value to less than the amount of the building insurance, or a current appraisal or cost estimate is provided which shows that the building’s current coverage amount is higher than the estimated replacement cost of the building. (See Example 6 at the end of this section.) A reduction in the amount of contents insurance cannot be made unless some of the contents have been sold or removed, which reduces the contents’ value to less than the amount of the contents insurance. If the insured has a non-NFIP policy, the coverage can be reduced to the amount of the non-NFIP policy deductible. 3. Removal of a Coverage There is no return premium for the removal of building or contents coverage unless the property is no longer at the described location or the property of the policyholder. (See Example 5 at the end of this section.) B. 1. 2. 3. END 1 Rating Endorsements Rate Reduction It is not permissible to revise a policy's rating during a policy term, due to a rate decrease, unless the effective date of the rate change is prior to the policy's effective date. Rating Adjustment The NFIP rules require that the policy must be in effect in order to process refunds. Rating adjustments will be allowed for only the current year for failure of the WYO company or NFIP Direct to: . Use the map grandfather rule. . Use the V-Zone Risk Factor Rating Form. The endorsement effective date is either the date the V-Zone Risk Factor Rating Form was certified or the effective date of the current policy year, whichever is later. . Use the FEMA Special Rates (see page RATE 22). The endorsement effective date is the date FEMA provided the rates. . Make a timely revision of alternative rates (rates used for Pre-FIRM rated risks where the zone is unknown). . Use Post-FIRM rating for a Pre-FIRM structure. The refund will be processed if the insured provides an Elevation Certificate. The endorsement effective date is the effective date of the current policy year. . Use an Elevation Certificate on Post-FIRM buildings rated using “Without Certification of Compliance or Elevation Certificate” for Zones AO and AH, or “No Elevation Certificate or No Estimated BFE” for Unnumbered A Zone. The endorsement effective date is the effective date of the current policy term. Revision of an Alternative Rating Alternative rating is used to compute the premium on a Renewal Notice following conversion of a community from the Emergency Program to the Regular Program. Alternative rates are also used by producers for the rating of Pre-FIRM construction. Alternative rating allows the producer and the policyholder 1 year to revise the rating, so a premium refund October 1, 2010 can be obtained from the renewal or inception date if it is determined that the insured property is located in a lower rated zone. During subsequent policy terms, such revisions may also be made effective with the start of the policy term. 4. Map Revision A map change (reprinting, Letter of Map Amendment [LOMA], Letter of Map Revision [LOMR], or Letter of Determi­nation Review [LODR]) may change the flood zone in which a property is located to a lower rated zone, or it may change the Base Flood Elevation. In such cases, the policy rating may be revised for the current and prior policy years if the change occurred prior to the current policy year. Before processing the endorsement, the producer should check the Flood Map Status Information Service to make sure that the LOMA, LOMR, or LODR is still valid (or has been recertified) based on the most recent map revision. Also, if the revised map changes the BFE, verify that the same elevation datum is used to determine the building elevations on the Elevation Certificate. When a community has been converted from the Emergency Program to the Regular Program, the policy rating may be revised to reflect the correct flood zone. However, no premium refund is allowed on premium previously paid. C. Misrated Policy Premium refunds will be allowed with proper documentation (see III.B.2.a.) going back a maximum of 6 calendar years when there was a misrating such as an incorrect building description, lowest floor elevation, community number, flood zone, or Base Flood Elevation, so long as the insured can provide proof of the misrating. The flood zone and Base Flood Elevation can only be corrected using the current FIRM. Any lapse in coverage does not extend the number of years the premium refund is allowed. D. Conversion of Standard Rated Policy to PRP Due to Misrating or Map Revision A policy written as a Standard B, C, or X Zone policy and later found to be eligible for a PRP may be endorsed or rewritten as a PRP for only the current policy term. When the risk has been rated with other than B, C, or X Zone rates, but is later found to be in a B, C, or X Zone and eligible for a PRP, the writing company will be allowed to endorse or cancel/rewrite up to 6 years. The policy may be canceled/rewritten using Cancellation Reason Code 22 if both of the following conditions are met: . The request to endorse or cancel/rewrite the policy is received during the current policy term. . The policy has no open claim or closed paid claim. The new PRP building coverage will be equal either to the building limit issued under the Standard B, C, or X Zone policy or the next higher limit available under the PRP if there is no PRP option equal to the Standard B, C, or X Zone building limit. E. Changing Deductibles Increasing deductibles is permitted during the current policy term. (See Example 7 at the end of this section.) Deductibles cannot be reduced mid-term, unless required by the mortgagee and written authorization is provided by the mortgagee. A 30-day waiting period will apply unless the request to reduce the deductible is in connection with making, extending, or renewing a loan. The ICC premium is not eligible for the deductible discount or surcharge. First calculate the deductible discount or surcharge, then add in the ICC premium. F. Correcting Property Address A policy cannot be endorsed to change the location. This includes relocation from one unit to another unit in the same building. However, an erroneous address (e.g., through typographical error) can be corrected through endorsement. The agent must provide proof or a reasonable explanation for the error. II. ENDORSEMENT PROCESSING PRIOR TO POLICY RENEWAL (NFIP DIRECT BUSINESS ONLY) A. During Last 90 Days of Policy Term 1. If the premium payment for renewal of the policy has not already been processed by the NFIP, a General Change Endorsement processed will produce a revised Renewal Notice for the upcoming term. 2. If the original Renewal Notice has not been paid, the payor may use the revised Renewal Notice or subsequent Final Notice. EXAMPLE 2 INCREASING COVERAGE, PROGRAM CONVERSION . Policy term is January 15, 2010-2011 . Single family dwelling, no basement, Pre-FIRM . Present coverage: Building $35,000/ Contents $10,000 . Policy conversion date from Emergency to Regular Program: July 15, 2010 . Building located in an A99 Zone . Premium rates are: Building .78/.21, Contents 1.20/.37. . Endorsement effective date is October 14, 2010. (The Emergency Program premiums that already exist on this policy are earned for the remainder of the policy term; they are not refundable.) . The coverages being added are $50,000 on the building and $15,000 on the contents for a total of $85,000 on the building and $25,000 on the contents; and $30,000 coverage for ICC. . To increase coverage, complete Sections A and B. Section A is for current coverage, Section B should show only the amounts of the increases. . $15,000 of the $50,000 coverage to be added on the building must be calculated in the “Amount” column under Section B, “Increased-Decreased Coverage Only” (using the applicable rate) to amend the present coverage to the threshold for the Regular Program basic limits. . $10,000 of the $15,000 coverage to be added on the contents must be calculated under the “Amount” column under Section B, “Increased-Decreased Coverage Only” (using the applicable rate) to amend the present coverage to the threshold for the Regular Program basic limits. . Add Sections A and B premiums to obtain the New Premium Subtotals. . Add the ICC premium, which was not paid in the Emergency Program. . The Premium Previously Paid is $362 (excluding ICC/Probation Surcharge/Federal Policy Fee). . Subtract the Premium Previously Paid from the Premium Total to obtain the Difference (additional/return premium). . Prorate the Difference. Time period is October 14, 2010, to January 15, 2011 Number of days is 93 Pro rata factor is .255 INSURANCE COVERAGE SECTION A CURRENT COVERAGE SECTION B + INCREASED — DECREASED COVERAGE ONLY NEW PREMIUM TOTALS AMOUNT RATE PREMIUM AMOUNT RATE PREMIUM BUILDING BASIC 35,000 .76 266 25,000 .78 195 461 BUILDING ADDITIONAL . . . 25,000 .21 53 53 CONTENTS BASIC 10,000 .96 96 15,000 1.20 180 276 CONTENTS ADDITIONAL . . . . . . . IF CHANGING AMOUNT OF INSURANCE, ENTER NEW TOTAL AMOUNT BELOW PAYMENT OPTION: CREDIT CARD OTHER: _________ SUBTOTAL 790 BUILDING COVERAGE CONTENTS COVERAGE DEDUCT. DISCOUNT/SURCHARGE . BASIC ADDITIONAL TOTAL BASIC ADDITIONAL TOTAL SUBTOTAL 790 60,000 25,000 85,000 25,000 25,000 ICC PREMIUM 6 SUBTOTAL 796 IF RETURN PREMIUM, MAIL REFUND TO: . INSURED . AGENT . PAYOR. THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. SIGNATURE OF INSURED AND DATE SIGNATURE OF INSURANCE AGENT/BROKER DATE (MMDDYY) CRS PREMIUM DISCOUNT ____% . SUBTOTAL 796 PREMIUM PREVIOUSLY PAID (Excludes Probation Surcharge/ Federal Policy Fee) 362 DIFFERENCE + (+/-) +434 PRO RATA FACTOR .255 TOTAL (+/-) +111 EXAMPLE 3 INCREASING COVERAGE . Policy term is December 12, 2009-2010 . Single family dwelling, no basement . Pre-FIRM Building . Building located in Zone C . Present coverage: Building $35,000/ Contents $10,000 . Endorsement is effective on October 1, 2010, to add additional coverage of $65,000 on the building and $15,000 on the contents for a total of $100,000 building coverage and $25,000 contents coverage. . Premium rates are: Building .78/.21, Contents 1.20/.37. . To increase coverage, complete Sections A and B. Section A is for current coverage. Section B should show the amount of the coverage increase only. . $25,000 of the $60,000 coverage to be added on the building must be calculated in the “Amount” column under Section B, “Increased-Decreased Coverage Only” (using the applicable rate) to amend the present coverage to the threshold for the Regular Program basic limits. . $10,000 of the $15,000 coverage to be added on the contents must be calculated under the “Amount” column under Section B, “Increased-Decreased Coverage Only” (using the applicable rate) to amend the present coverage to the threshold for the Regular Program basic limits. . Add Section A and B premiums to obtain the New Premium Totals. . Add the New Premium Totals to calculate the Premium Subtotal. . Add in the ICC Premium. . The Premium Previously Paid is $399 (excluding Probation Surcharge/Federal Policy Fee) which is the total current annual premium including ICC premium. . Subtract the Premium Previously Paid from the Premium Total to obtain the Difference (should be additional/return premium). . Prorate the Difference. Time period is October 1, 2010, to December 12, 2010 Number of days is 72 Pro rata factor is .197 INSURANCE COVERAGE SECTION A CURRENT COVERAGE + INCREASED SECTION B — DECREASED COVERAGE ONLY NEW PREMIUM TOTALS AMOUNT RATE PREMIUM AMOUNT RATE PREMIUM BUILDING BASIC 35,000 .78 273 25,000 .78 195 468 BUILDING ADDITIONAL . . . 40,000 .21 84 84 CONTENTS BASIC 10,000 1.20 120 15,000 1.20 180 300 CONTENTS ADDITIONAL . . . . . . . IF CHANGING AMOUNT OF INSURANCE, ENTER NEW TOTAL AMOUNT BELOW PAYMENT OPTION: CREDIT CARD OTHER: _________ SUBTOTAL 852 BUILDING COVERAGE CONTENTS COVERAGE DEDUCT. DISCOUNT/SURCHARGE . BASIC ADDITIONAL TOTAL BASIC ADDITIONAL TOTAL SUBTOTAL 852 60,000 40,000 100,000 25,000 0 25,000 ICC PREMIUM 6 SUBTOTAL 858 IF RETURN PREMIUM, MAIL REFUND TO: . INSURED . AGENT . PAYOR. THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. SIGNATURE OF INSURED AND DATE SIGNATURE OF INSURANCE AGENT/BROKER DATE (MMDDYY) CRS PREMIUM DISCOUNT ____% . SUBTOTAL 858 PREMIUM PREVIOUSLY PAID (Excludes Probation Surcharge/ Federal Policy Fee) 399 DIFFERENCE + (+/-) +459 PRO RATA FACTOR .197 TOTAL (+/-) +90 EXAMPLE 4 INCREASING COVERAGE AFTER A RATE CHANGE . Policy term is April 15, 2010-2011 . Single family dwelling, Regular Program . One floor, no basement . Current policy limits: Building $30,000 Contents $8,000 . Building located in an AE Zone, Post-FIRM . Premium rates are: Building 1.43, Contents 1.24 . Post-FIRM construction with a 0 elevation difference . Endorsement effective date is October 15, 2010 . The coverages being added are $15,000 on the building and $7,000 on contents for a total of $45,000 building coverage and $15,000 contents coverage. . A rate increase takes effect on October 1, 2010. . Rates in effect on the effective date of the policy are to be used. . In Section A, enter the basic limits and rates for building and contents in effect at the beginning of the policy term. . In Section B, enter the $15,000 basic building amount, and the applicable rate (1.43). (See page END 1, “Additional Coverage or Increase in Amount of Insurance.” Companies are allowed to use either rates in effect at policy inception or rates in effect at endorsement effective date.) . In Section B, enter the $7,000 basic contents amount and the applicable rate (1.24). . Add Sections A and B premiums to obtain the New Premium Totals. . Add the New Premium Totals to calculate the Premium Subtotal. . Add in the ICC Premium. . The Premium Previously Paid is $534 (excluding Probation Surcharge/Federal Policy Fee), which is the total current annual premium including ICC premium. Subtract the Premium Previously Paid from the Premium Total to obtain the Difference (should be additional/return premium). . Prorate the Difference. Time period is October 15, 2010, to April 15, 2011 Number of days is 182 Pro rata factor is .499 INSURANCE COVERAGE SECTION A CURRENT COVERAGE SECTION B + INCREASED — DECREASED COVERAGE ONLY NEW PREMIUM TOTALS AMOUNT RATE PREMIUM AMOUNT RATE PREMIUM BUILDING BASIC 30,000 1.43 429 15,000 1.43 215 644 BUILDING ADDITIONAL . . . . . . . CONTENTS BASIC 8,000 1.24 99 7,000 1.24 87 186 CONTENTS ADDITIONAL . . . . . . . IF CHANGING AMOUNT OF INSURANCE, ENTER NEW TOTAL AMOUNT BELOW PAYMENT OPTION: CREDIT CARD OTHER: _________ SUBTOTAL 830 BUILDING COVERAGE CONTENTS COVERAGE DEDUCT. DISCOUNT/SURCHARGE . BASIC ADDITIONAL TOTAL BASIC ADDITIONAL TOTAL SUBTOTAL 830 45,000 0 45,000 15,000 0 15,000 ICC PREMIUM 6 SUBTOTAL 836 IF RETURN PREMIUM, MAIL REFUND TO: . INSURED AGENT . PAYOR. THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. SIGNATURE OF INSURED AND DATE SIGNATURE OF INSURANCE AGENT/BROKER DATE (MMDDYY) CRS PREMIUM DISCOUNT ____% . SUBTOTAL 836 PREMIUM PREVIOUSLY PAID (Excludes Probation Surcharge/ Federal Policy Fee) 534 DIFFERENCE + (+/-) +302 PRO RATA FACTOR .499 TOTAL (+/-) +151 EXAMPLE 5 REMOVING CONTENTS . Policy term is November 20, 2009-2010 . Non-residential structure . Emergency Program . Policy limits: Building $100,000/Contents $100,000 . Insured purchased a new business location and moved the contents to the new location while still retaining the old location as rental property. (This explanation should be recorded in the Reason for Change section of the General Change Endorsement form.) . Present rates are: Building .83, Contents 1.62. . Removal date and effective date of change is January 14, 2010. . Enter the current building and contents coverages in Section A and the current rates (.83/1.62). . Enter the decrease in contents coverage in Section B. Add all New Premium Totals to obtain the Premium Subtotal. . The Premium Previously Paid is $2,450 (excluding Probation Surcharge/Federal Policy Fee), which is the total current premium from Section A. . Subtract the Premium Previously Paid from the Premium Total to obtain the Difference (should be additional/return premium). . Prorate the Difference. Time period is January 14, 2010, to November 20, 2010 Number of days is 310 Pro rata factor is .849 INSURANCE COVERAGE SECTION A CURRENT COVERAGE + INCREASED SECTION B — DECREASED COVERAGE ONLY NEW PREMIUM TOTALS AMOUNT RATE PREMIUM AMOUNT RATE PREMIUM BUILDING BASIC 100,000 .83 830 0 . . 830 BUILDING ADDITIONAL . . . . . . . CONTENTS BASIC 100,000 1.62 1,620 -100,000 1.62 -1,620 0 CONTENTS ADDITIONAL . . . . . . . IF CHANGING AMOUNT OF INSURANCE, ENTER NEW TOTAL AMOUNT BELOW PAYMENT OPTION: CREDIT CARD OTHER: _________ SUBTOTAL 830 BUILDING COVERAGE CONTENTS COVERAGE DEDUCT. DISCOUNT/SURCHARGE . BASIC ADDITIONAL TOTAL BASIC ADDITIONAL TOTAL SUBTOTAL 830 . . 100,000 . . 0 ICC PREMIUM . SUBTOTAL 830 IF RETURN PREMIUM, MAIL REFUND TO: . INSURED AGENT . PAYOR. THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. SIGNATURE OF INSURED AND DATE SIGNATURE OF INSURANCE AGENT/BROKER DATE (MMDDYY) CRS PREMIUM DISCOUNT ____% . SUBTOTAL 830 PREMIUM PREVIOUSLY PAID (Excludes Probation Surcharge/ Federal Policy Fee) 2,450 DIFFERENCE ­ (+/-) -1,620 PRO RATA FACTOR .849 TOTAL (+/-) -1,375 POLICY RENEWALS I. GENERAL INFORMATION The Standard Flood Insurance Policy is not a continuous policy. Each policy contract expires at 12:01 a.m. on the last day of the policy term. Renewal of an expiring policy establishes a new policy term and new contractual agreement between the policyholder and the Federal Emergency Management Agency. The NFIP must issue a notice of expiration not less than 45 days before the expiration of the flood insurance policy by first class mail to the owner of the property, the servicer of any loan secured by the property, and (if known) the owner of the loan. All policies, including Submit-for-Rate, must be renewed using the rates in effect on the renewal date. Policy renewal documentation and premium should be submitted to the NFIP in advance of the policy expiration date to ensure there is no lapse in coverage. There are two ways to renew a policy written directly with the National Flood Insurance Program or WYO Company: 1. The producer should complete the entire Flood Insurance Application when recertifying or changing policy information, and mail it with the Total Prepaid Amount to the NFIP. The 30-day waiting period applies when an additional amount of insurance requested at renewal time is higher than the amount listed on the renewal bill provided by the insurer. The beginning of the waiting period is determined by the standard rules. In order for the coverage amount higher than the inflation option to take effect on the renewal date, the full premium must be received at least 30 days prior to the renewal effective date. OR 2. The payor should respond to a Renewal Notice by selecting an option shown on the direct mail notice and returning it with the Total Prepaid Amount to the NFIP. II. RENEWAL NOTICE All parties listed on the policy (insured, agent, mortgagees) are mailed a Renewal Notice 45 days prior to the policy expiration date. The party designated on the policy record as the payor receives the payor’s copy of the bill; all other parties receive a copy that states “THIS IS NOT A BILL.” A. Renewing for the Same Coverage – Option A Option A of the Renewal Notice shows current amounts of insurance and deductibles at the time the Renewal Notice is printed. B. Inflation Factor – Option B Option B shows premium for amounts of insurance increased by an inflation factor of 10 percent for building coverage and 5 percent for contents coverage. The current deductible is used. For Preferred Risk Policies, Option B is the next higher coverage package available. There is no waiting period if Option B is chosen. The inflation option will be no higher than the replacement cost on record for that policy. If coverage higher than the current replacement cost on record is desired, updated replacement cost documentation must be submitted. C. Nonrenewal and Cancellation Renewal Notices will not be generated and policies will not be renewed for the following situations: 1. Building under construction 2. Tentatively rated policy 3. Suspended community 4. Provisional rating 5. Group Flood Insurance Policy 6. PRP ineligibility 7. Section 1316 property However, in each of the situations above, any mortgagee named on the policy must be notified of the nonrenewal or cancellation, as required by the Mortgage Clause of the Standard Flood Insurance Policy (see General Conditions section, condition R). Within 5 days of the policy expiration date, an appropriately worded expiration notice must be sent to the mortgagee, with copies to the agent and the insured. III. PREMIUM PAYMENT DUE To ensure that the policy is renewed without a lapse in coverage, the premium must be received by the NFIP within 30 days after the expiration date. As an alternative, the premium can be mailed by certified mail within 30 days after the expiration date. The term “certified mail” has been broadened to include not only the U.S. Postal Service but also certain third-party delivery services. For details, see the paragraph following VIII.B.2. on page GR 8. Use the renewal date plus 29 days to determine if the renewal premium was received within 30 days. Renewal payments may also be paid by VISA, MasterCard, Discover, or American Express. Use the detachable payment stub at the bottom of the Renewal and Final Notices, or use the Credit Card Payment Form at the end of this section. The form is also available in the Forms Library on the NFIP Servicing Agent’s web site at www.nfipservices.com. If a charge is declined, you will be notified by mail. IV. FINAL NOTICE If the premium payment is not received by the NFIP by the date of expiration, a Final Notice is produced. This notice is mailed to the producer, insured, and mortgagee. The expired policy will be reissued with a new effective date if the premium payment is not received by the NFIP within 30 days following the policy expiration date. Mortgagee protection under the policy shall continue in force after the expiration of the policy for 30 days from the mailing date. V. RENEWAL EFFECTIVE DATE DETERMINATION Renewal dates are calculated as follows: . If the Final Notice and the premium payment are received by the NFIP within 30 days following the expiration, the policy will be issued under the same policy number as the previous term, with no lapse in coverage. For example, if the policy expires on May 1, the Final Notice and premium payment must be received on or before May 30. . If the Final Notice and the premium payment are received by the NFIP after the 30-day period, but within 90 days following the expiration, the policy will be placed in force 30 days following receipt by the NFIP. . If the Final Notice and the premium payment are received after 90 days following the expiration date, the agent must submit a new application with the full annual premium. The standard 30-day wait rules will apply. VI. INSUFFICIENT RENEWAL INFORMATION To generate Renewal Notices and Final Notices, the NFIP must have received acceptable application data. A Renewal Notice will not be generated in cases where a policy application has not been corrected prior to the start of a renewal cycle. Therefore, it is important that producers respond immediately to the requests for additional information. VII. ENDORSEMENTS DURING RENEWAL CYCLE Endorsements received at the NFIP within 75 days of the policy expiration date may not be reflected on the renewal bill. The producer should, therefore, ensure that the new policy is properly endorsed after renewal. The producer should use a renewal application to ensure that all changes are reflected on the renewal. VIII. SEVERE REPETITIVE LOSS PROPERTIES All policy transactions for Severe Repetitive Loss (SRL) properties must be processed by the NFIP Special Direct Facility. See the SRL section of this manual for information. CANCELLATION / NULLIFICATION Flood insurance coverage may be terminated by either canceling or nullifying the policy, only in accordance with a valid reason for the transaction, as described in Paragraphs I.B.1 - 24. If coverage is terminated, the insured may be entitled to a full or partial refund under applicable rules and regulations. In some instances, the insured might be ineligible for a refund. I. PROCEDURES AND VALID REASONS Submit a completed Cancellation/Nullification Request Form and proper documentation to the current NFIP insurer for processing. A. Refund Processing Procedures 1. The current NFIP insurer will be responsible for returning the premium for the current and 1 prior policy year, provided that it was the insurer for that period. If another NFIP insurer was the insurer for the prior policy year, it will be responsible for returning the premium for that year. 2. Requests for refunds for more than 2 years (Reason Codes 4, 6, 10, and 22 only) must be processed by the NFIP Bureau. a. For requests processed by the Bureau, the current NFIP insurer must submit all of the documentation necessary to make a refund for any period exceeding 2 years. At a minimum, this docu­mentation will consist of the following: . A policy cancellation request and the premium refund calculation for each year. . The company’s statistical records or declarations pages for each policy term and evidence of premium pay­ments obtained from the insured if these documents are not available from the company’s records. . Photographs to verify ineligible risks. . For Cancellation Reason Code 22 only (standard policy eligible for PRP): A Letter of Map Amendment (LOMA); a Letter of Map Revision (LOMR); a copy of the most recent flood map marked to show the exact location and flood zone of the building; a letter indicating the exact location and flood zone of the building, and signed and dated by a local community official; an Elevation Certificate indicating the exact location and flood zone of the building, and signed and dated by a surveyor, engineer, architect, or local community official; or a flood zone determination certifica­tion that guarantees the accuracy of the information. b. Mail the appropriate documentation to: NFIP Bureau and Statistical Agent Underwriting Department 8400 Corporate Drive, Suite 350 Landover, MD 20785 3. WYO Companies will be notified of the premium refunded and the Expense Allowance due to the NFIP. The companies must maintain this documentation as part of their underwriting files. 4. All existing refund rules concerning the Federal Policy Fee and producer commission remain in effect. TRRP reason codes in this section are used for reporting purposes only. B. Valid Reason Codes for Cancellation/ Nullification of NFIP Policies 1. Building Sold or Removed. (TRRP reason 01) The insured has sold or transferred ownership of the insured property and no longer has an insurable interest; the builder or developer has requested to cancel the policy mid-term because a newly created association has purchased a policy under its name; or the insured property has been removed from the described location. This reason code also may be used if the building has been foreclosed or if the building is considered a total loss because the building damage is greater than or equal to the replacement cost of the building. The effective date of the cancellation is the date the insured ceased to have an insurable interest in the property. For buildings sold, proof-of-sale documentation is required. • Type of Refund: Pro Rata • Years Eligible for Refund: Up to 2 years CN 1 October 1, 2010 • Cancellation Request: Must be received within 1 year of date of sale or removal if the policy has expired • Documentation: Bill of sale, settlement statement, foreclosure notice, proof of removal, proof of total loss, or court documentation to identify the refund recipient if the building is foreclosed 2. Contents Sold or Removed. (TRRP reason 02) The insured has sold or transferred ownership of the insured property and no longer has an insurable interest, or the insured property has been completely removed from the described location. The effective date of the cancellation is the date the insured ceased to have an insurable interest in the property at the described location, or the date the property was removed from the described location. • Type of Refund: Pro Rata • Years Eligible for Refund: Up to 2 years • Cancellation Request: Must be received within 1 year of date of sale or removal • Documentation: Bill of sale, proof of contents removal, or proof of total loss 3. Policy Canceled and Rewritten To Establish a Common Expiration Date with Other Insurance Coverage. (TRRP reason 03) The new policy must be rewritten within the same company for the same or higher amounts of coverage. However, if it is rewritten for higher amounts of coverage, the waiting period rule will apply. The producer must submit a new Application and premium. Upon receipt of the new policy declarations page, the producer should request cancellation of the prior policy. The effective date of the cancellation will be the same as the effective date of the new policy. • Type of Refund: Pro Rata • Years Eligible for Refund: Current year • Cancellation Request: Must be received within 1 year of the new policy effective date • Documentation: Copy of new policy declarations page 4. Duplicate NFIP Policies. (TRRP reason 04) When a duplicate NFIP policy has been issued, only one policy can remain in effect. The insured can choose which policy is to remain in effect and which policy is to be canceled. This does not apply when there has been a deliberate creation of duplicate policies. If this event does occur, the policy with the later effective date must be canceled. Losses occurring under such circumstances will be adjusted according to the terms and conditions of the first policy. When coverage has been force-placed by a lender using a conventionally written standard policy because the required underwriting information is available, that policy is considered equivalent to the MPPP policy. The WYO Company is authorized to cancel the standard (force­placed) policy, provided that a copy of the force-placement letter from the mortgagee and a copy of the policy declarations page are submitted with the Cancellation/ Nullification Request Form. The WYO Company is authorized to cancel the MPPP policy if a copy of the policy declarations page is submitted with the Cancellation/ Nullification Request Form. • Type of Refund: Pro Rata • Years Eligible for Refund: Up to 6 years • Cancellation Request: Must be received within 1 year of the policy expiration date • Documentation: Copy of declaration page(s) and, for the standard force-placed policy, a copy of the force-placement letter from the mortgagee 5. Non-Payment. (TRRP reason 05) When a producer accepts a premium payment from a client and then submits an agency check to the NFIP with the application, the policy may be nullified if the client's check is returned because of insufficient funds or any other reason the check is not made good to the producer. The bank's notice must be attached to the form when this situation occurs. If the producer can document this, a full premium refund is provided to the producer. If a CN 2 May 1, 2010 the policy, after submitting a premium payment. • Type of Refund: Full • Years Eligible for Refund: Current year • Cancellation Request: Must be received prior to the policy effective date • Documentation: Policyholder’s request 14. Voidance Due to Credit Card Error. (TRRP reason 70) This reason is used when an error or billing dispute occurs (processing error or fraud) on a credit card payment. • Type of Refund: Full • Years Eligible for Refund: Current year • Cancellation Request: Must be received during the policy year • Documentation: Credit card notice of non-payment 15. Insurance No Longer Required Based on FEMA Review of Lender's Special Flood Hazard Area Determination. (TRRP reason 16) Flood insurance was initially required by the mortgagee or other lender because the property was determined to be in a Special Flood Hazard Area (SFHA). Following a review under the Flood Disaster Protection Act of 1973, as amended, FEMA issued a Letter of Determination Review (LODR) because the building or manufactured home is not in an SFHA and insurance is not required. The policy may be canceled back to inception. This cancellation reason can be used only if the request from the borrower and lender was sent to FEMA for a LODR within 45 days from the lender’s notification to the borrower that the building is in an SFHA and that flood insurance is required. • Type of Refund: Full • Years Eligible for Refund: Current year provided no claim has been paid or is pending • Cancellation Request: Must be received during the policy year or within 6 months of the policy expiration date • Documentation: Copy of FEMA’s Letter of Determination Review, and statement from the lender that flood insurance is not required 16. Duplicate Policies from Sources Other Than the NFIP. (TRRP reason 17) This reason code is used to cancel an NFIP policy when a duplicate policy has been obtained from sources other than the NFIP. • Type of Refund: Pro Rata • Years Eligible for Refund: Current year • Cancellation Request: Must be received within 6 months of the new policy effective date. When the request is received after 6 months, the effective date for cancellation is the receipt date of the request. • Documentation: Copy of declarations page of the new policy and a statement from the mortgagee, if any, accepting the non-NFIP policy as the replacement 18. Mortgage Paid Off on a Mortgage Portfolio Protection Program (MPPP) Policy. (TRRP reason 52) This reason code is used to cancel an MPPP Policy after the mortgage is paid off, provided no claim has been paid or is pending. • Type of Refund: Pro Rata • Years eligible for refund: Current year • Cancellation Request: Must be received within 6 months of the date the mortgage was paid off for the cancellation to be effective on the date of payoff. When the request is received after 6 months, the effective date for cancellation is the receipt date of the request. • Documentation: Statement from mort­gagee that mortgage has been paid off and that flood insurance was required as part of mortgage. 19. Insurance No Longer Required by the Mortgagee Because the Structure Has Been Removed from the Special Flood Hazard Area (SFHA) by Means of Letter of Map Amendment (LOMA) or Letter of Map Revision (LOMR). (TRRP reason 20) Where flood insurance was required by the mortgagee or other lender because the property was determined to be in an SFHA, and it is later determined that the property is no longer located in an SFHA through the issuance of a LOMA or LOMR, the policy can be canceled provided the lender confirms in writing that the insurance is no longer required because the property was removed from the SFHA. A copy of the LOMA or LOMR must accompany this request. This cancellation code cannot be used when a LOMA or LOMR is issued more than 60 days before the effective date of the current policy. NOTE: RCBAP policies require a release from the mortgagee of every unit owner in the association or a statement of the unit owner, if no mortgagee. Only after this requirement is met can the policy be canceled. The condominium association must provide a signed letter that lists the number of units and the owner of each unit. . Type of Refund: Full . Years Eligible for Refund: Current year and, if applicable, 1 prior year provided the LOMA/LOMR became effective within 60 days before the current policy’s effective date and no claim has been paid or is pending during the policy year that is being canceled. For example, the flood policy was effective from January 1, 2009, to January 1, 2010, and renewed January 1, 2010, to January 1, 2011. The effective date of the LOMA is December 1, 2009. The cancellation will be effective January 1, 2009. NOTE: If the LOMA/LOMR is dated more than 60 days prior to the most recent renewal, no refund will be issued. . Cancellation Request: Must be received during the policy year or within 6 months of the policy expiration date • Documentation: Statement from mort­gagee that flood insurance is no longer required because the property was removed from the SFHA, and a copy of the LOMA/LOMR; OR, in the case of multi-property LOMAs or LOMRs that do not list the property’s specific building, street address, lot number, or rural address, any of the following and a copy of the LOMA/LOMR: - A letter that an insured received from their community official stating that their structure was removed from the SFHA by multi-property LOMR or LOMA. - A letter from the applicable community official, on official letterhead, stating that the building was included in the area removed from the SFHA by the multi-property LOMR or LOMA, which listed only boundaries/intersections of streets, lot numbers, or rural addresses. -In cases, and only in cases, where (1) a community official could not or would not provide a letter, or (2) the structure has a rural address, the following set of two documents may be submitted: • A copy of a legal notice, such as a real estate assessment notice or a water/sewer notice, that shows the lot number, street or rural address, or other legal designation of the location of the structure, and • A letter from the mortgage lender that (1) shows the lot number, street or rural address, or other legal designation of the location of the structure, and that (2) states that the structure was within the boundaries of the area removed from the SFHA by the LOMR or LOMA. Letters from community officials must match the street address and lot number with a specific multi-property LOMR or LOMA, stating that the individual building street address, lot number, or rural address (e.g., RR, Box #, Hwy) was included in the area covered by the LOMR or LOMA. Processing Outcomes for Cancellation/Nullification of a Flood Insurance Policy Reason Code for Cancellation/Nullification(with TRRP Code) PREMIUM REFUND FEDERAL POLICY FEE AND PROBATION SURCHARGE PRODUCER COMMISSION(Direct Business Only) Full Pro Rata Full Refund Pro Rata FullyEarned FullDeduction Pro Rata Retained 1 (01) • • . 2 (02) • • . 3 (03) • • . 4 (04) • • . 5 (05) • • . 6 (06) • • . 7 (08) • • . 8 (50) • • . 9 (09) • • . 10 (45) • • . 12 (52) • • . 13 (60) • • . 14 (70) • • . 15 (16) • • . 16 (17) • • . 18 (52) • • . 19 (20) • • . 20 (21) • • . 21 (10) NO REFUND ALLOWED • . 22 (22) • • . 23 (23) NO REFUND ALLOWED • . 24 (24) • • . CN 9 May 1, 2008 NATIONAL FLOOD INSURANCE PROGRAM PROVISIONAL RATING QUESTIONNAIRE 1-4 Family Post-FIRM Zones A1, A1-A30, AE (To be attached to the Flood Insurance Application) NAME POLICY NUMBER _____________________ PROPERTY ADDRESS Policy Period is from to ________ Answer the questions below. Use the rates associated with the first "yes" response. These rates are to be used on the Flood Insurance Application. Yes No .. 1. Is there a basement or subgrade crawlspace? .. 2. Is the house built on fill2 or with a crawlspace or solid perimeter foundation walls? .. 3. Is the house elevated on pilings, piers, columns, or parallel shear walls? If yes, determine if there is an enclosed area underneath the building. .. 4. Were the answers to the previous questions all no? Then the house is assumed to be slab on natural grade. FOUNDATION TYPE BUILDING TYPE* CONTENTS LOCATION One Floor No Basement More Than One Floor (Basement or No Basement) Basement and Above Lowest Floor Only - Above Ground Level (Not in Basement) Lowest Floor Above Ground Level and Higher (Not in Basement) Above3 Ground Level -More Than One Full Floor Basement or Subgrade Crawlspace 1.23/.66 1.29/.13 .96/.13 .68/.13 .35/.12 Fill, Crawlspace, or Solid Perimeter Foundation Walls .88/.34 .88/.34 1.49/.62 .95/.45 .35/.12 Piles, Piers, Columns, or Parallel Shear Walls With Enclosure No Enclosure .88/.08 .53/.08 .88/.08 .46/.08 1.40/.14 1.04/.14 1.09/.13 .73/.13 .35/.12 .35/.12 On Grade 3.58/2.15 3.58/2.15 6.77/4.07 6.77/4.07 .35/.12 * Add $5 ICC Premium and $50.00 Probation Surcharge, if applicable, for all provisionally rated policies. 1 Provisional Rates are restricted to Unnumbered A Zones where communities provide estimated BFEs. 2 For information on how to determine if a house is built on fill, see the guidelines on PR 2. 3 The “Above Ground Level - More Than One Full Floor'' rates are applicable to 2-4 family structures only. PR 3 October 1, 2010 VI. PROVISIONAL RATING EXAMPLE REGULAR PROGRAM, POST-FIRM CONSTRUCTION Data Essential to Determine Appropriate Rates and Premium: . Regular Program . Flood Zone: A with estimated BFE, AE, or A1-A30 . Occupancy: Single Family Dwelling . # of Floors: 3 Floors . Basement/Enclosure: Basement . Deductible: $3,000/$2,000 . Deductible Factor: .850 . Contents Location: Basement and Above . Date of Construction: Post-FIRM . Elevation Difference: N/A . Flood Proofed Yes/No: No . Building Coverage: $250,000 . Contents Coverage: $100,000 . ICC Premium: $5 . CRS Rating: N/A . CRS Discount: N/A . Probation Surcharge: $50 Determined Rates: Building: 1.23/.66 Contents: 1.29/.13 COVERAGE BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM PREM. REDUCTION/ INCREASE TOTAL AMOUNT OF INSURANCE BUILDING 50,000 1.23 615 200,000 .66 1,320 290 250,000 1,645 CONTENTS 20,000 1.29 258 80,000 .13 104 54 100,000 308 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) MANUAL SUBMIT FOR RATING ALTERNATIVE V-ZONE RISK RATING FORM MORTGAGE PORTFOLIO PROTECTION PROGRAM PROVISIONAL RATING PAYMENTOPTION: CREDIT CARD OTHER: ANNUAL SUBTOTAL 1,953 ICC PREMIUM 5 SUBTOTAL 1,958 CRS PREMIUM DISCOUNT % . SUBTOTAL 1,958 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) PROBATION SURCHARGE 50 FEDERAL POLICY FEE 40 TOTAL PREPAID AMOUNT 2,048 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $1,935 / Contents: $362 2. Apply Deductible Factor: Building: .850 x $1,935 = $1,645 / Contents: .850 x $362 = $308 3. Premium Reduction: Building: $290 / Contents: $54 4. Subtotal: $1,953 5. Add ICC Premium: $5 6. Subtract CRS Discount: N/A 7. Subtotal: $1,958 8. Probation Surcharge: $50 9. Add Federal Policy Fee: $40 10. Total Prepaid Amount: $2,048 COMMUNITY RATING SYSTEM I. GENERAL DESCRIPTION The Community Rating System (CRS) is a voluntary program for NFIP-participating commu­nities. (See list, following.) The goals of the CRS are to reduce flood damages to insurable property, strengthen and support the insurance aspects of the NFIP, and encourage a compre­hensive approach to floodplain management. The CRS has been developed to provide incentives in the form of premium discounts for communities to go beyond the minimum floodplain management requirements to develop extra measures to provide protection from flooding. II. ELIGIBILITY For a community to be eligible, the community must be in full compliance with the NFIP and be in the Regular phase of the program. The following categories are not eligible for CRS premium discounts: . Emergency Program communities . Preferred Risk Policies . Mortgage Portfolio Protection Program policies . Post-FIRM structures located in a Special Flood Hazard Area (SFHA) where the lowest floor elevation used for rating is at least 1 foot or more below the Base Flood Elevation (BFE), with the exception of (1) Post-FIRM V- Zone buildings with unfinished breakaway wall enclosures and machinery or equipment at or above the BFE, and (2) subgrade crawlspaces with certification from a community official (see IV.M., page APP 7). III. CLASSIFICATIONS AND DISCOUNTS All communities start out with a Class 10 rating (which provides no discount). There are 10 CRS classes: Class 1 requires the most credit points and gives the greatest premium discount; Class 10 identifies a community that does not apply for the CRS, or does not obtain a minimum number of credit points and receives no discount. There are 18 activities recognized as measures for eliminating exposure to floods. Credit points are assigned to each activity. The activities are organized under four main categories: Public Information, Mapping and Regulation, Flood Damage Reduction, and Flood Preparedness. Once a community applies to the appropriate FEMA region for the CRS program and its implementation is verified, FEMA sets the CRS classification based upon the credit points. This classification determines the premium discount for policyholders. Premium discounts ranging from 5 percent to a maximum of 45 percent will be applied to every policy written in a community as recognition of the floodplain management activities instituted. The table below shows premium discounts for CRS Classes 1-10 within different flood zones. IV. CRS ACTIVITIES THAT CAN DIRECTLY BENEFIT INSURANCE AGENTS Certain activities credited under the CRS provide direct benefit to agents writing flood insurance. All CRS communities must maintain completed FEMA elevation and floodproofing certificates for all new and substantially improved construction in the Special Flood Hazard Area after the date of application for CRS classification. These cer­tificates must be available upon request. Therefore, in writing a policy, an agent should be able to get these certificates from any CRS community. In addition, some CRS communities receive credit for having completed certificates for Post-FIRM buildings constructed prior to the CRS application date. If they do receive this credit, then these certificates should also be available to agents writing flood insurance. The community may charge a fee for copying certificates. Many CRS communities receive credit for providing inquirers with information from the community's FIRM. This includes a property's flood risk zone and the Base Flood Elevation. The service must be publicized once a year. If a community is receiving this credit, then agents should be able to use the service. A fee may be charged for the service. CRS PREMIUM DISCOUNTS Class Discount Class Discount 1 2 3 4 5 45% 40% 35% 30% 25% 6 7 8 9 10 20% 15% 10% 5% ---SFHA (Zones A, AE, A1-A30, V, V1-V30, AO, and AH): Discount varies depending on class. SFHA (Zones A99, AR, AR/A, AR/AE, AR/A1-A30, AR/AH, and AR/AO): 10% discount for Classes 1-6; 5% discount for Classes 7-9.* Non-SFHA (Zones B, C, X, D): 10% discount for Classes 1-6; 5% discount for Classes 7-9. *In determining CRS Premium Discounts, all AR and A99 zones are treated as non-SFHAs. COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY DATE CURRENT EFFECTIVE DATE CURRENT CLASS % DISCOUNT FOR SFHA1 % DISCOUNT FOR NON-SFHA2 STATUS3 Alabama 010146 Athens, City of 10/1/91 10/1/98 10 0 0 R 010071 Atmore, City of 05/1/02 05/1/02 8 10 5 C 015000 Baldwin County 10/1/95 10/1/08 7 15 5 C 010116 Birmingham, City of 10/1/94 10/1/10 8 10 5 C 010418 Dauphin Island, Town of 04/1/01 04/1/01 8 10 5 C 010176 Decatur, City of 10/1/91 10/1/05 10 0 0 R 015005 Gulf Shores, Town of 10/1/93 10/1/93 9 5 5 C 015006 Homewood, City of 10/1/01 10/1/01 9 5 5 C 010123 Hoover, City of 10/1/91 10/1/91 9 5 5 C 010153 Huntsville, City of 10/1/91 05/1/03 7 15 5 C 015007 Mobile, City of 10/1/92 10/1/93 10 0 0 R 015011 Orange Beach, City of 10/1/91 10/1/07 7 15 5 C 010189 Pell City, City of 10/1/92 10/1/92 9 5 5 C 010002 Prattville, City of 10/1/91 05/1/08 8 10 5 C 010070 Wetumpka, City of Alaska 10/1/91 10/1/91 9 5 5 C 020005 Anchorage, Municipality of 10/1/95 10/1/09 6 20 10 C 020012 Kenai Peninsula, Borough of 04/1/00 04/1/00 8 10 5 C 020003 Ketchikan Gateway Borough 10/1/05 10/1/05 9 5 5 C 020069 Nome, City of 10/1/05 10/1/07 8 10 5 C 020113 Seward, City of 10/1/05 10/1/10 7 15 5 C 020094 Valdez, City of Arizona 10/1/92 10/1/09 8 10 5 C 040013 Benson, Town of 10/1/91 10/1/92 10 0 0 R 040014 Bisbee, City of 10/1/91 10/1/92 10 0 0 R 040131 Camp Verde, Town of 10/1/91 10/1/96 8 10 5 C 040080 Casa Grande, City of 10/1/91 10/1/01 8 10 5 C 040040 Chandler, City of 10/1/91 05/1/04 7 15 5 C 040094 Chino Valley, Town of 10/1/91 10/1/93 8 10 5 C 040095 Clarkdale, Town of 10/1/91 10/1/96 8 10 5 C 040012 Cochise County 10/1/91 10/1/91 9 5 5 C 040019 Coconino County 10/1/91 10/1/99 8 10 5 C 040061 Dewey-Humboldt, Town of 10/1/07 10/1/07 8 10 5 C 040020 Flagstaff, City of 10/1/91 10/1/07 7 15 5 C 040028 Gila County 10/1/91 10/1/92 10 0 0 R 040044 Gilbert, Town of 10/1/91 10/1/92 8 10 5 C 040045 Glendale, City of 10/1/91 05/1/10 7 15 5 C 040067 Holbrook, City of 10/1/95 10/1/00 8 10 5 C 040037 Maricopa County 10/1/91 05/1/02 5 25 10 C 040048 Mesa, City of 10/1/91 04/1/98 10 0 0 R 040058 Mohave County 10/1/95 05/1/10 7 15 5 C 040066 Navajo County 10/1/92 05/1/08 8 10 5 C 040051 Phoenix, City of 10/1/92 10/1/02 6 20 10 C 040073 Pima County 10/1/91 05/1/07 5 25 10 C 040098 Prescott, City of 10/1/91 10/1/01 8 10 5 C 040090 Santa Cruz County 10/1/03 05/1/08 7 15 5 C 045012 Scottsdale, City of 10/1/91 10/1/07 6 20 10 C 040130 Sedona, City of 10/1/91 10/1/91 9 5 5 C 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded CRS 2 October 1, 2010 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY DATE CURRENT EFFECTIVE DATE CURRENT CLASS % DISCOUNT FOR SFHA1 % DISCOUNT FOR NON-SFHA2 STATUS3 Arizona (continued) 040069 Show Low, City of 10/1/91 05/1/10 8 10 5 C 040054 Tempe, City of 10/1/91 05/1/02 8 10 5 C 040076 Tucson, City of 10/1/91 10/1/07 6 20 10 C 040056 Wickenburg, Town of 10/1/92 10/1/07 10 0 0 R 040031 Winkelman, Town of 10/1/91 10/1/95 10 0 0 R 040093 Yavapai County Arkansas 10/1/91 10/1/07 7 15 5 C 050029 Arkadelphia, City of 10/1/91 10/1/05 8 10 5 C 050192 Benton, City of 10/1/93 10/1/93 9 5 5 C 050419 Benton County 05/1/05 05/1/05 8 10 5 C 050012 Bentonville, City of 10/1/92 10/1/02 8 10 5 C 050140 Blytheville, City of 10/1/95 10/1/95 9 5 5 C 050046 Bono, City of 10/1/92 05/1/02 8 10 5 C 050308 Bryant, City of 10/1/92 10/1/92 9 5 5 C 050433 Garland County 10/1/93 10/1/93 9 5 5 C 050168 Helena, City of 10/1/93 10/1/99 10 0 0 R 050084 Hot Springs, City of 10/1/93 10/1/06 8 10 5 C 050180 Jacksonville, City of 10/1/94 10/1/04 8 10 5 C 050048 Jonesboro, City of 10/1/92 10/1/92 9 5 5 C 050181 Little Rock, City of 10/1/91 10/1/01 8 10 5 C 050088 Malvern, City of 10/1/91 10/1/96 10 0 0 R 050109 Pine Bluff, City of 10/1/94 10/1/95 10 0 0 R 050053 Van Buren, City of 05/1/09 05/1/09 9 5 5 C 050055 West Memphis, City of California 10/1/92 10/1/02 8 10 5 C 060001 Alameda County 10/1/92 10/1/99 7 15 5 C 060213 Anaheim, City of 10/1/91 05/1/07 8 10 5 C 060714 Clearlake, City of 05/1/03 10/1/08 10 0 0 R 065022 Concord, City of 10/1/08 10/1/08 8 10 5 C 060025 Contra Costa County 10/1/91 04/1/01 6 20 10 C 065023 Corte Madera, Town of 10/1/03 10/1/09 7 15 5 C 060339 Cupertino, City of 10/1/05 10/1/05 8 10 5 C 060370 Fairfield, City of 10/1/92 05/1/09 7 15 5 C 060218 Fountain Valley, City of 10/1/96 04/1/98 8 10 5 C 065028 Fremont, City of 04/1/01 04/1/01 7 15 5 C 060048 Fresno, City of 10/1/92 10/1/07 8 10 5 C 065029 Fresno County 10/1/91 10/1/07 8 10 5 C 060340 Gilroy, City of 05/1/07 05/1/07 8 10 5 C 065034 Huntington Beach, City of 10/1/95 10/1/00 7 15 5 C 060222 Irvine, City of 10/1/91 05/1/02 8 10 5 C 060075 Kern County 10/1/91 05/1/08 8 10 5 C 060090 Lake County 10/1/95 10/1/10 7 15 5 C 060636 Lake Elsinore, City of 10/1/09 10/1/09 9 5 5 C 060738 Lathrop, City of 10/1/08 10/1/08 8 10 5 C 060136 Long Beach, City of 10/1/93 05/1/08 7 15 5 C 060341 Los Altos, City of 10/1/91 10/1/96 8 10 5 C 060137 Los Angeles, City of 10/1/91 10/1/05 7 15 5 C 065043 Los Angeles County 10/1/91 10/1/96 8 10 5 C 060706 Manteca, City of 05/1/09 05/1/09 9 5 5 C 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded CRS 3 October 1, 2010 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY DATE CURRENT EFFECTIVE DATE CURRENT CLASS % DISCOUNT FOR SFHA1 % DISCOUNT FOR NON-SFHA2 STATUS3 California (continued) 060344 Milpitas, City of 10/1/91 05/1/07 6 20 10 C 060735 Mission Viejo, City of 10/1/05 05/1/10 8 10 5 C 060195 Monterey County 10/1/91 05/1/07 5 25 10 C 065074 Moreno Valley, City of 10/1/91 10/01/96 8 10 5 C 060346 Morgan Hill, City of 05/1/03 05/1/03 7 15 5 C 060347 Mountain View, City of 05/1/02 05/1/08 8 10 5 C 060751 Murrieta, City of 10/1/97 10/1/97 9 5 5 C 060207 Napa, City of 04/1/01 10/1/10 6 20 10 C 060227 Newport Beach, City of 10/1/93 05/1/08 8 10 5 C 060178 Novato, City of 10/1/95 05/1/10 6 20 10 C 060294 Oceanside, City of 10/1/91 10/1/96 8 10 5 C 060228 Orange, City of 10/1/92 05/1/08 9 5 5 C 060212 Orange County 10/1/91 05/1/08 7 15 5 C 060257 Palm Springs, City of 10/1/92 10/1/00 8 10 5 C 060348 Palo Alto, City of 10/1/91 10/1/01 7 15 5 C 060379 Petaluma, City of 10/1/91 10/1/96 6 20 10 C 060239 Placer County 10/1/91 05/1/09 5 25 10 C 060034 Pleasant Hill, City of 05/1/03 05/1/08 8 10 5 C 060012 Pleasanton, City of 10/1/92 10/1/97 8 10 5 C 060702 Poway, City of 05/1/08 05/1/08 8 10 5 C 060360 Redding, City of 10/1/96 05/1/08 6 20 10 C 060279 Redlands, City of 10/1/07 10/1/07 9 5 5 C 060035 Richmond, City of 10/1/95 10/1/95 9 5 5 C 060245 Riverside County 10/1/10 10/1/10 9 5 5 C 060243 Roseville, City of 10/1/92 10/1/06 1 45 10 C 060266 Sacramento, City of 10/1/91 10/1/08 5 25 10 C 060262 Sacramento County 10/1/92 05/1/10 4 30 10 C 060202 Salinas, City of 10/1/91 10/1/02 7 15 5 C 060284 San Diego County 10/1/94 05/1/10 7 15 5 C 060299 San Joaquin County 10/1/93 05/1/03 6 20 10 C 060349 San Jose, City of 10/1/91 10/1/01 7 15 5 C 060231 San Juan Capistrano, City of 10/1/91 10/1/02 8 10 5 C 060013 San Leandro, City of 10/1/06 10/1/06 8 10 5 C 060310 San Luis Obispo, City of 10/1/91 10/1/96 8 10 5 C 060311 San Mateo County 10/1/10 10/1/10 9 5 5 C 060710 San Ramon, City of 10/1/91 10/1/06 8 10 5 C 060331 Santa Barbara County 10/1/91 05/1/06 6 20 10 C 060350 Santa Clara, City of 05/1/02 05/1/08 8 10 5 C 060337 Santa Clara County 05/1/04 05/1/09 10 0 0 R 060729 Santa Clarita, City of 10/1/01 10/1/09 8 10 5 C 060355 Santa Cruz, City of 10/1/92 05/1/02 7 15 5 C 060421 Simi Valley, City of 10/1/93 10/1/09 7 15 5 C 060631 Solano County 10/1/91 10/1/07 7 15 5 C 060375 Sonoma County 10/1/91 10/1/92 10 0 0 R 060302 Stockton, City of 10/1/96 10/1/97 8 10 5 C 060352 Sunnyvale, City of 10/1/98 05/1/09 7 15 5 C 060394 Sutter County 10/1/08 10/1/10 6 20 10 C 060400 Tehema, City of 10/1/03 10/1/08 6 20 10 C 060373 Vacaville, City of 10/1/95 10/1/00 8 10 5 C 065070 Walnut Creek, City of 10/1/91 04/1/01 7 15 5 C 060357 Watsonville, City of 10/1/92 10/1/02 7 15 5 C 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded CRS 4 October 1, 2010 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY DATE CURRENT EFFECTIVE DATE CURRENT CLASS % DISCOUNT FOR SFHA1 % DISCOUNT FOR NON-SFHA2 STATUS3 California (continued) 060238 Yorba Linda, City of 10/1/93 10/1/04 10 0 0 R 060423 Yolo County 10/1/10 10/1/10 8 10 5 C 060396 Yuba City, City of 10/1/07 10/1/08 7 15 5 C 060427 Yuba County Colorado 10/1/03 05/1/09 7 15 5 C 080001 Adams County 10/1/93 10/1/03 10 0 0 R 080010 Alamosa, City of 10/1/91 10/1/91 9 5 5 C 080009 Alamosa County 10/1/96 10/1/96 9 5 5 C 080011 Arapahoe County 10/1/91 10/1/92 8 10 5 C 080273 Archuleta County 10/1/92 10/1/98 10 0 0 R 085072 Arvada, City of 10/1/91 05/1/10 5 25 10 C 080002 Aurora, City of 10/1/92 05/1/08 8 10 5 C 080024 Boulder, City of 10/1/92 10/1/08 7 15 5 C 080023 Boulder County 10/1/91 10/1/06 7 15 5 C 080130 Brush, City of 10/1/94 10/1/94 9 5 5 C 080068 Canon City, City of 10/1/92 05/1/08 9 5 5 C 080315 Centennial, City of 05/1/10 05/1/10 8 10 5 C 080013 Cherry Hills Village, City of 10/1/96 10/1/01 8 10 5 C 080060 Colorado Springs, City of 10/1/92 10/1/10 7 15 5 C 080043 Delta, City of 10/1/96 10/1/00 7 15 5 C 080046 Denver, City and County of 10/1/96 05/1/06 8 10 5 C 080049 Douglas County 10/1/96 10/1/10 8 10 5 C 080099 Durango, City of 10/1/92 10/1/92 9 5 5 C 080051 Eagle County 10/1/08 10/1/08 8 10 5 C 080059 El Paso County 10/1/92 10/1/10 7 15 5 C 085074 Englewood, City of 10/1/95 10/1/96 8 10 5 C 080102 Fort Collins, City of 10/1/91 10/1/01 4 30 10 C 080061 Fountain, City of 10/1/92 10/1/10 7 15 5 C 080067 Fremont County 10/1/93 05/1/08 9 5 5 C 080245 Frisco, Town of 10/1/93 10/1/98 8 10 5 C 080090 Golden, City of 10/1/96 10/1/96 9 5 5 C 080062 Green Mountain Falls, Town of 10/1/03 10/1/10 7 15 5 C 080080 Gunnison, City of 10/1/95 10/1/95 9 5 5 C 080078 Gunnison County 10/1/94 10/1/09 8 10 5 C 080087 Jefferson County 10/1/05 10/1/10 6 20 10 C 085075 Lakewood, City of 10/1/91 10/1/05 6 20 10 C 080101 Larimer County 10/1/92 10/1/97 10 0 0 R 080017 Littleton, City of 10/1/92 10/1/97 7 15 5 C 080027 Longmont, City of 10/1/92 10/1/97 8 10 5 C 085076 Louisville, City of 10/1/91 10/1/05 8 10 5 C 080103 Loveland, City of 10/1/10 10/1/10 7 15 5 C 080063 Manitou Springs, City of 10/1/92 10/1/10 7 15 5 C 080115 Mesa County 05/1/06 05/1/06 9 5 5 C 080064 Monument, Town of 10/1/03 10/1/10 7 15 5 C 080092 Morrison, Town of 10/1/96 10/1/96 9 5 5 C 080065 Palmer Lake, Town of 10/1/03 10/1/10 7 15 5 C 080310 Parker, Town of 10/1/92 05/1/07 6 20 10 C 080287 Pitkin County 10/1/92 10/1/97 8 10 5 C 080153 Rio Grande County 10/1/92 10/1/97 10 0 0 R 080018 Sheridan, City of 10/1/93 10/1/03 10 0 0 R 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded CRS 5 October 1, 2010 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY DATE CURRENT EFFECTIVE DATE CURRENT CLASS % DISCOUNT FOR SFHA1 % DISCOUNT FOR NON-SFHA2 STATUS3 Colorado (continued) 080201 Silverthorne, Town of 10/1/96 10/1/96 9 5 5 C 080159 Steamboat Springs, Town of 10/1/93 05/1/10 8 10 5 C 080168 Telluride, Town of 10/1/94 10/1/05 8 10 5 C 080007 Thornton, City of 10/1/94 10/1/06 7 15 5 C 080054 Vail, Town of 10/1/91 10/1/01 7 15 5 C 080008 Westminster, City of 10/1/91 05/1/06 6 20 10 C 085079 Wheat Ridge, City of Connecticut 10/1/91 10/1/96 7 15 5 C 090074 Cheshire, Town of 10/1/93 10/1/03 10 0 0 R 090076 East Haven, Town of 10/1/03 10/1/10 10 0 0 R 090096 East Lyme, Town of 10/1/91 10/1/91 9 5 5 C 090078 Hamden, Town of 10/1/93 10/1/06 10 0 0 R 090011 Newtown, Town of 10/1/91 10/1/91 9 5 5 C 090012 Norwalk, City of 10/1/93 10/1/98 10 0 0 R 090015 Stamford, City of 10/1/02 10/1/02 7 15 5 C 090193 Stonington, Borough of 10/1/04 10/1/04 9 5 5 C 090106 Stonington, Town of 05/1/04 05/1/04 9 5 5 C 095082 West Hartford, Town of 10/1/91 10/1/07 8 10 5 C 090070 Westbrook, Town of 05/1/05 05/1/05 9 5 5 C 090019 Westport, Town of Delaware 10/1/95 10/1/00 8 10 5 C 105083 Bethany Beach, Town of 05/1/09 05/1/09 8 10 5 C 100056 Dewey Beach, Town of 10/1/94 10/1/99 8 10 5 C 105084 Fenwick Island, Town of 10/1/94 10/1/04 8 10 5 C 100041 Lewes, City of 10/1/92 10/1/92 9 5 5 C 100026 New Castle, City of 10/1/94 10/1/99 8 10 5 C 100025 Newark, City of 10/1/92 10/1/01 7 15 5 C 105086 Rehoboth Beach, City of 10/1/94 10/1/95 8 10 5 C 100048 Seaford, City of 10/1/96 10/1/96 9 5 5 C 100051 South Bethany, Town of Florida 10/1/07 10/1/07 8 10 5 C 120001 Alachua County 10/1/95 10/1/06 7 15 5 C 120290 Altamonte Springs, City of 10/1/94 10/1/96 8 10 5 C 125087 Anna Maria, City of 10/1/91 10/1/07 5 25 10 C 120180 Apopka, City of 10/1/93 10/1/07 7 15 5 C 120075 Atlantic Beach, City of 10/1/05 05/1/10 7 15 5 C 120193 Atlantis, City of 10/1/92 05/1/08 8 10 5 C 120676 Aventura, City of 10/1/00 05/1/05 7 15 5 C 120419 Baker County 10/1/01 10/1/01 8 10 5 C 120636 Bal Harbour, Village of 10/1/96 10/1/97 8 10 5 C 120004 Bay County 10/1/93 10/1/08 5 25 10 C 120637 Bay Harbor Islands, Town of 10/1/94 10/1/99 7 15 5 C 125089 Belleair Beach, City of 10/1/92 10/1/01 7 15 5 C 120195 Boca Raton, City of 10/1/92 05/1/08 8 10 5 C 120680 Bonita Springs, City of 05/1/06 05/1/06 7 15 5 C 120196 Boynton Beach, City of 10/1/91 10/1/10 7 15 5 C 120155 Bradenton, City of 10/1/91 10/1/00 7 15 5 C 125091 Bradenton Beach, City of 10/1/91 05/1/08 6 20 10 C 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded CRS 6 October 1, 2010 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY DATE CURRENT EFFECTIVE DATE CURRENT CLASS % DISCOUNT FOR SFHA1 % DISCOUNT FOR NON-SFHA2 STATUS3 Florida (continued) 125092 Brevard County 10/1/91 10/1/06 7 15 5 C 125093 Broward County 10/1/92 10/1/96 8 10 5 C 120005 Callaway, City of 10/1/93 05/1/08 8 10 5 C 125094 Cape Canaveral, City of 10/1/93 05/1/08 8 10 5 C 125095 Cape Coral, City of 10/1/91 05/1/10 5 25 10 C 120090 Carrabelle, City of 10/1/93 10/1/93 9 5 5 C 120061 Charlotte County 10/1/92 05/1/04 5 25 10 C 120063 Citrus County 10/1/01 10/1/01 7 15 5 C 120064 Clay County 10/1/96 10/1/05 7 15 5 C 125096 Clearwater, City of 10/1/91 10/1/00 7 15 5 C 120198 Cloud Lake, Town of 10/1/94 10/1/10 7 15 5 C 120020 Cocoa, City of 10/1/94 10/1/04 10 0 0 R 125097 Cocoa Beach, City of 10/1/94 10/1/04 10 0 0 R 120031 Coconut Creek, City of 10/1/92 10/1/01 7 15 5 C 120067 Collier County 10/1/92 05/1/10 6 20 10 C 120070 Columbia County 10/1/96 10/1/05 8 10 5 C 120032 Cooper City, City of 10/1/92 05/1/09 7 15 5 C 120639 Coral Gables, City of 10/1/93 10/1/98 8 10 5 C 120033 Coral Springs, City of 10/1/92 10/1/94 8 10 5 C 120034 Dania Beach, City of 10/1/93 10/1/93 9 5 5 C 120035 Davie, Town of 10/1/94 10/1/05 7 15 5 C 125099 Daytona Beach, City of 10/1/94 10/1/08 6 20 10 C 125100 Daytona Beach Shores, City of 10/1/92 05/1/07 7 15 5 C 125101 Deerfield Beach, City of 10/1/92 10/1/93 8 10 5 C 125102 Delray Beach, City of 10/1/94 10/1/94 9 5 5 C 125158 Destin, City of 10/1/94 05/1/10 6 20 10 C 120041 Doral, City of 05/1/09 05/1/09 8 10 5 C 125103 Dunedin, City of 10/1/92 05/1/07 7 15 5 C 120308 Edgewater, City of 10/1/92 10/1/97 8 10 5 C 120080 Escambia County 10/1/91 10/1/05 7 15 5 C 120146 Fanning Springs, Town of 10/1/93 10/1/08 8 10 5 C 120120 Fellsmere, City of 10/1/99 10/1/04 9 5 5 C 120172 Fernandina Beach, City of 10/1/92 10/1/02 7 15 5 C 120087 Flagler Beach, City of 10/1/95 10/1/00 7 15 5 C 125105 Fort Lauderdale, City of 10/1/92 05/1/08 7 15 5 C 125106 Fort Myers, City of 10/1/93 10/1/98 8 10 5 C 120673 Fort Myers Beach, Town of 10/1/99 10/1/99 7 15 5 C 120286 Fort Pierce, City of 10/1/92 10/1/01 8 10 5 C 120174 Fort Walton Beach, City of 10/1/92 10/1/02 7 15 5 C 120088 Franklin County 10/1/93 10/1/02 8 10 5 C 125107 Gainesville, City of 10/1/92 10/1/06 7 15 5 C 120200 Glen Ridge, Town of 10/1/94 10/1/06 10 0 0 R 120642 Golden Beach, Town of 10/1/93 10/1/02 10 0 0 R 120275 Gulf Breeze, City of 10/1/93 05/1/08 8 10 5 C 120098 Gulf County 10/1/93 05/1/07 8 10 5 C 125109 Gulf Stream, Town of 10/1/99 05/1/09 7 15 5 C 125108 Gulfport, City of 10/1/93 10/1/03 7 15 5 C 125110 Hallandale Beach, City of 10/1/94 10/1/08 6 20 10 C 120103 Hardee County 10/1/96 05/1/04 10 0 0 R 120107 Hendry County 10/1/00 10/1/00 8 10 5 C 120110 Hernando County 10/1/92 10/1/10 6 20 10 C 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded CRS 7 October 1, 2010 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY DATE CURRENT EFFECTIVE DATE CURRENT CLASS % DISCOUNT FOR SFHA1 % DISCOUNT FOR NON-SFHA2 STATUS3 Florida (continued) 120643 Hialeah, City of 10/1/93 05/1/08 7 15 5 C 125111 Highland Beach, Town of 10/1/93 10/1/93 9 5 5 C 120111 Highlands County 10/1/94 10/1/04 8 10 5 C 120040 Hillsboro Beach, Town of 10/1/94 10/1/09 8 10 5 C 120112 Hillsborough County 10/1/92 10/1/07 5 25 10 C 125112 Holly Hill, City of 10/1/94 10/1/09 8 10 5 C 125113 Hollywood, City of 10/1/92 10/1/07 7 15 5 C 125114 Holmes Beach, City of 10/1/91 05/1/06 7 15 5 C 120645 Homestead, City of 05/1/06 05/1/06 8 10 5 C 120207 Hypoluxo, Town of 10/1/94 10/1/96 8 10 5 C 120119 Indian River County 10/1/92 10/1/07 6 20 10 C 120121 Indian River Shores, Town of 10/1/94 10/109 7 15 5 C 125117 Indian Rocks Beach, City of 10/1/92 10/1/93 8 10 5 C 125118 Indian Shores, Town of 10/1/93 10/1/05 6 20 10 C 120125 Jackson County 10/1/02 05/1/07 8 10 5 C 120077 Jacksonville, City of 10/1/91 05/1/10 6 20 10 C 120078 Jacksonville Beach, City of 10/1/92 10/1/02 8 10 5 C 120331 Jefferson County 10/1/96 10/1/96 9 5 5 C 120208 Juno Beach, Town of 10/1/93 10/1/07 5 25 10 C 125119 Jupiter, Town of 10/1/94 10/1/00 7 15 5 C 120162 Jupiter Island, Town of 10/1/95 10/1/00 8 10 5 C 120245 Kenneth City, Town of 10/1/92 05/1/06 8 10 5 C 120648 Key Biscayne, Village of 04/1/98 10/1/07 7 15 5 C 125121 Key Colony Beach, City of 10/1/92 05/1/08 8 10 5 C 120168 Key West, City of 10/1/92 10/1/99 10 0 0 R 120190 Kissimmee, City of 10/1/96 05/1/10 7 15 5 C 120211 Lake Clarke Shores, Town of 10/1/94 10/109 8 10 5 C 120421 Lake County 10/1/94 05/1/09 7 15 5 C 120416 Lake Mary, City of 10/1/09 10/1/09 8 10 5 C 120212 Lake Park, Town of 10/1/92 05/1/10 8 10 5 C 120213 Lake Worth, City of 10/1/96 10/1/10 8 10 5 C 120267 Lakeland, City of 10/1/04 10/109 7 15 5 C 120214 Lantana, Town of 10/1/94 10/1/94 9 5 5 C 125122 Largo, City of 10/1/92 10/1/08 6 20 10 C 125123 Lauderdale by the Sea, Town of 04/1/00 10/1/10 7 15 5 C 120044 Lauderhill, City of 10/1/92 05/1/08 9 5 5 C 120169 Layton, City of 10/1/01 05/1/08 8 10 5 C 125124 Lee County 10/1/91 10/1/07 5 25 10 C 120145 Levy County 10/1/94 10/1/09 7 15 5 C 125125 Lighthouse Point, City of 10/1/93 05/1/09 7 15 5 C 125126 Longboat Key, Town of 10/1/91 10/1/05 6 20 10 C 120292 Longwood, City of 10/1/96 10/1/10 10 0 0 R 120009 Lynn Haven, City of 10/1/92 05/1/07 8 10 5 C 125127 Madeira Beach, City of 10/1/92 10/1/93 8 10 5 C 120149 Madison County 10/1/94 10/1/00 8 10 5 C 120215 Manalapan, Town of 10/1/92 05/1/08 9 5 5 C 120153 Manatee County 10/1/91 10/1/10 5 25 10 C 120216 Mangonia Park, Town of 10/1/94 10/1/10 8 10 5 C 120426 Marco Island, City of 10/1/00 10/1/05 6 20 10 C 120047 Margate, City of 10/1/92 10/1/95 8 10 5 C 120160 Marion County 10/1/94 10/1/09 7 15 5 C 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded CRS 8 October 1, 2010 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY DATE CURRENT EFFECTIVE DATE CURRENT CLASS % DISCOUNT FOR SFHA1 % DISCOUNT FOR NON-SFHA2 STATUS3 Florida (continued) 120161 Martin County 10/1/92 10/1/00 7 15 5 C 120337 Mary Esther, City of 10/1/07 10/1/07 8 10 5 C 120025 Melbourne, City of 10/1/93 05/1/08 8 10 5 C 120650 Miami, City of 10/1/94 05/1/10 7 15 5 C 120635 Miami-Dade County 10/1/94 10/1/03 5 25 10 C 120651 Miami Beach, City of 10/1/96 10/1/01 7 15 5 C 120345 Miami Gardens, City of 05/1/09 05/1/10 6 20 10 C 120686 Miami Lakes, Town of 10/1/06 10/1/06 6 20 10 C 120652 Miami Shores Village, Village of 10/1/00 10/1/00 8 10 5 C 120276 Milton, City of 10/1/07 10/1/07 8 10 5 C 120048 Miramar, City of 10/1/93 10/1/94 8 10 5 C 125129 Monroe County 10/1/91 05/1/97 10 0 0 R 125130 Naples, City of 10/1/92 10/1/02 6 20 10 C 120079 Neptune Beach, City of 10/1/94 10/1/04 8 10 5 C 120232 New Port Richey, City of 10/1/93 10/1/07 7 15 5 C 125132 New Smyrna Beach, City of 10/1/91 10/1/00 7 15 5 C 120338 Niceville, City of 10/1/93 10/1/09 7 15 5 C 120049 North Lauderdale, City of 10/1/93 10/1/93 9 5 5 C 120655 North Miami, City of 10/1/94 10/1/01 5 25 10 C 120656 North Miami Beach, City of 10/1/93 10/1/98 8 10 5 C 120217 North Palm Beach, Village of 10/1/94 05/1/09 7 15 5 C 120279 North Port, City of 10/1/92 05/1/07 7 15 5 C 125133 North Redington Beach, Town of 10/1/92 05/1/08 8 10 5 C 120050 Oakland Park, City of 10/1/94 10/1/09 7 15 5 C 120330 Ocala, City of 10/1/91 10/1/01 8 10 5 C 125134 Ocean Ridge, Town of 10/1/92 05/1/09 7 15 5 C 120173 Okaloosa County 10/1/95 10/1/10 5 25 10 C 120177 Okeechobee County 10/1/96 10/1/00 8 10 5 C 120250 Oldsmar, City of 10/1/92 05/1/06 6 20 10 C 120179 Orange County 10/1/91 05/1/08 5 25 10 C 120186 Orlando, City of 10/1/93 05/1/08 6 20 10 C 125136 Ormond Beach, City of 10/1/92 05/1/07 7 15 5 C 120189 Osceola County 10/1/94 10/1/03 7 15 5 C 120293 Oviedo, City of 10/1/08 10/1/08 8 10 5 C 120404 Palm Bay, City of 10/1/93 10/1/07 7 15 5 C 120220 Palm Beach, Town of 10/1/92 05/1/08 7 15 5 C 120192 Palm Beach County 10/1/91 10/1/06 6 20 10 C 120221 Palm Beach Gardens, City of 10/1/03 05/1/08 7 15 5 C 125137 Palm Beach Shores, Town of 10/1/94 10/1/94 9 5 5 C 120684 Palm Coast, City of 05/1/04 05/1/09 6 20 10 C 120223 Palm Springs, Village of 10/1/92 05/1/08 8 10 5 C 120159 Palmetto, City of 10/1/91 10/1/93 8 10 5 C 120012 Panama City, City of 10/1/93 10/1/02 7 15 5 C 120011 Parker, City of 10/1/94 05/1/08 8 10 5 C 120230 Pasco County 10/1/92 10/1/07 7 15 5 C 120053 Pembroke Pines, City of 10/1/94 10/1/98 7 15 5 C 120082 Pensacola, City of 10/1/02 10/1/06 7 15 5 C 125138 Pensacola Beach-Santa Rosa Island Authority 10/1/91 05/1/03 8 10 5 C 125139 Pinellas County 10/1/93 10/1/10 7 15 5 C 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded CRS 9 October 1, 2010 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY DATE CURRENT EFFECTIVE DATE CURRENT CLASS % DISCOUNT FOR SFHA1 % DISCOUNT FOR NON-SFHA2 STATUS3 Florida (continued) 120251 Pinellas Park, City of 10/1/91 05/1/09 6 20 10 C 120054 Plantation, City of 10/1/92 10/1/02 7 15 5 C 120261 Polk County 10/1/92 10/1/03 7 15 5 C 120055 Pompano Beach, City of 10/1/93 10/1/94 8 10 5 C 120312 Ponce Inlet, Town of 05/1/04 05/1/09 6 20 10 C 120313 Port Orange, City of 10/1/92 05/1/03 7 15 5 C 120234 Port Richey, City of 10/1/92 10/1/07 7 15 5 C 120099 Port St. Joe, City of 10/1/94 10/1/09 10 0 0 R 120287 Port St. Lucie, City of 10/1/91 10/1/96 8 10 5 C 120062 Punta Gorda, City of 10/1/92 10/1/02 6 20 10 C 125140 Redington Beach, Town of 10/1/93 05/1/08 8 10 5 C 125141 Redington Shores, Town of 10/1/92 10/1/93 8 10 5 C 120027 Rockledge, City of 10/1/91 10/1/96 8 10 5 C 125143 Safety Harbor, City of 10/1/92 10/1/96 8 10 5 C 120402 Sanibel, City of 10/1/91 10/1/96 5 25 10 C 120274 Santa Rosa County 10/1/93 10/1/08 6 20 10 C 125150 Sarasota, City of 10/1/91 10/1/10 6 20 10 C 125144 Sarasota County 10/1/92 05/1/07 5 25 10 C 120028 Satellite Beach, City of 10/1/92 10/1/92 9 5 5 C 120123 Sebastian, City of 10/1/92 10/1/10 7 15 5 C 120289 Seminole County 10/1/91 10/1/00 7 15 5 C 120164 Sewall’s Point, Town of 10/1/96 05/1/10 7 15 5 C 120579 Shalimar, Town of 10/1/95 10/1/00 8 10 5 C 120314 South Daytona, City of 10/1/92 10/1/02 7 15 5 C 120658 South Miami, City of 10/1/93 10/1/95 8 10 5 C 120227 South Palm Beach, Town of 10/1/93 10/1/08 8 10 5 C 125151 South Pasadena, City of 10/1/92 10/1/98 8 10 5 C 125145 St. Augustine, City of 10/1/92 10/1/97 8 10 5 C 125146 St. Augustine Beach, City of 10/1/93 05/1/08 8 10 5 C 120191 St. Cloud, City of 10/1/93 05/1/08 8 10 5 C 125147 St. Johns County 10/1/95 05/1/07 6 20 10 C 120285 St. Lucie County 10/1/94 05/1/09 6 20 10 C 120316 St. Marks, Town of 10/1/93 10/1/08 8 10 5 C 125149 St. Pete Beach, City of 10/1/91 10/1/92 8 10 5 C 125148 St. Petersburg, City of 10/1/92 10/1/09 6 20 10 C 120296 Sumter County 10/1/95 05/1/10 7 15 5 C 120688 Sunny Isles Beach, City of 10/1/07 10/1/07 8 10 5 C 120328 Sunrise, City of 10/1/92 10/1/02 7 15 5 C 120659 Surfside, Town of 10/1/93 10/1/08 10 0 0 R 120300 Suwannee County 10/1/96 10/1/00 8 10 5 C 120144 Tallahassee, City of 10/1/94 10/1/06 6 20 10 C 120058 Tamarac, City of 10/1/92 05/1/06 7 15 5 C 120114 Tampa, City of 10/1/91 05/1/09 6 20 10 C 120259 Tarpon Springs, City of 10/1/92 10/1/93 8 10 5 C 120302 Taylor County 10/1/96 10/1/96 9 5 5 C 120115 Temple Terrace, City of 10/1/93 10/1/03 8 10 5 C 120228 Tequesta, Village of 10/1/92 05/1/09 8 10 5 C 125152 Titusville, City of 10/1/92 10/1/97 8 10 5 C 125153 Treasure Island, City of 10/1/92 10/1/99 7 15 5 C 125154 Venice, City of 10/1/91 10/1/05 6 20 10 C 120124 Vero Beach, City of 10/1/93 05/1/09 7 15 5 C CRS 10 October 1, 2010 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY DATE CURRENT EFFECTIVE DATE CURRENT CLASS % DISCOUNT FOR SFHA1 % DISCOUNT FOR NON-SFHA2 STATUS3 Florida (continued) 125155 Volusia County 10/1/93 10/1/08 6 20 10 C 120315 Wakulla County 10/1/93 10/1/08 7 15 5 C 125157 Wellington, Village of 10/1/03 10/1/08 7 15 5 C 120229 West Palm Beach, City of 10/1/92 10/1/06 6 20 10 C 120678 Weston, City of 05/1/09 05/1/09 8 10 5 C 120295 Winter Springs, City of 10/1/93 05/1/08 7 15 5 C 120147 Yankeetown, Town of Georgia 10/1/94 10/1/08 6 20 10 C 130075 Albany, City of 10/1/94 05/1/10 8 10 5 C 130093 Brunswick, City of 10/1/93 10/1/93 9 5 5 C 130209 Cartersville, City of 05/1/05 05/1/05 9 5 5 C 130030 Chatham County 10/1/91 10/1/09 6 20 10 C 130424 Cherokee County 05/1/05 05/1/05 8 10 5 C 130052 Cobb County 10/1/91 10/1/97 8 10 5 C 130086 College Park, City of 10/1/92 10/1/02 6 20 10 C 130059 Columbia County 04/1/99 05/1/10 7 15 5 C 135158 Columbus, City of 10/1/91 10/1/93 8 10 5 C 130144 Covington, City of 10/1/93 10/1/93 9 5 5 C 130504 Crisp County 05/1/05 05/1/05 9 5 5 C 135159 Decatur, City of 10/1/93 05/1/10 6 20 10 C 130065 Dekalb County 10/1/92 10/1/08 7 15 5 C 130074 Dougherty County 10/1/93 05/1/10 6 20 10 C 130306 Douglas County 10/1/95 10/1/00 8 10 5 C 130098 Duluth, City of 10/1/97 10/1/08 8 10 5 C 130432 Fayette County 05/1/04 10/1/09 6 20 10 C 130431 Fayetteville, City of 05/1/06 05/1/06 8 10 5 C 135160 Fulton County 04/1/00 10/1/10 8 10 5 C 130092 Glynn County 10/1/92 10/1/96 8 10 5 C 130165 Griffin, City of 10/1/08 10/1/09 6 20 10 C 130322 Gwinnett County 10/1/94 05/1/04 8 10 5 C 130201 Jekyll Island, State Park Auth 10/1/93 05/1/06 6 20 10 C 130147 Paulding County 10/1/91 10/1/96 10 0 0 R 130078 Peachtree City, City of 10/1/93 10/1/03 7 15 5 C 130261 Pooler, Town of 10/1/93 10/1/10 7 15 5 C 130088 Roswell, City of 10/1/91 10/1/96 7 15 5 C 135163 Savannah, City of 10/1/92 10/1/10 6 20 10 C 130171 Tifton, City of 10/1/08 10/1/08 8 10 5 C 135164 Tybee Island, City of 10/1/93 10/1/07 7 15 5 C 130025 Waynesboro, City of 10/1/91 10/1/97 10 0 0 R 130196 Worth County Hawaii 05/1/03 05/1/03 9 5 5 C 150003 Maui County Idaho 10/1/95 10/1/00 8 10 5 C 160001 Ada County 10/1/94 10/1/99 7 15 5 C 160009 Bannock County 10/1/94 10/1/99 8 10 5 C 165167 Blaine County 10/1/94 10/1/99 8 10 5 C 160002 Boise, City of 10/1/91 04/1/01 6 20 10 C 160206 Bonner County 10/1/05 10/1/05 9 5 5 C CRS 11 October 1, 2010 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY DATE CURRENT EFFECTIVE DATE CURRENT CLASS % DISCOUNT FOR SFHA1 % DISCOUNT FOR NON-SFHA2 STATUS3 Idaho (continued) 160209 Caribou County 05/1/06 05/1/06 9 5 5 C 160003 Eagle, City of 04/1/00 04/1/00 6 20 10 C 160212 Elmore County 10/1/94 10/1/09 9 5 5 C 160004 Garden City, City of 10/1/98 10/1/08 9 5 5 C 160127 Gem County 05/1/08 05/1/08 9 5 5 C 160022 Hailey, City of 10/1/92 10/1/97 8 10 5 C 160131 Kellogg, City of 10/1/92 10/1/07 9 5 5 C 160023 Ketchum, City of 10/1/92 10/1/09 8 10 5 C 160076 Kootenai County 10/1/92 10/1/08 10 0 0 R 160090 Moscow, City of 10/1/94 10/1/09 7 15 5 C 160058 Mountain Home, City of 10/1/94 10/1/99 8 10 5 C 160101 Nez Perce County 10/1/01 10/1/06 7 15 5 C 160012 Pocatello, City of 10/1/94 10/1/99 8 10 5 C 160114 Shoshone County 10/1/94 10/1/09 8 10 5 C 160024 Sun Valley, City of 10/1/94 10/1/99 8 10 5 C 160120 Twin Falls, City of 10/1/94 05/1/09 8 10 5 C 160220 Valley County Illinois 10/1/94 10/1/99 7 15 5 C 170001 Adams County 10/1/96 10/1/01 8 10 5 C 170198 Addison, Village of 10/1/91 10/1/97 7 15 5 C 170059 Bartlett, Village of 10/1/91 05/1/04 7 15 5 C 170072 Calumet City, City of 10/1/00 05/1/03 6 20 10 C 170298 Carbondale, City of 10/1/02 10/1/08 10 0 0 R 170322 Carpentersville, Village of 10/1/06 10/1/06 8 10 5 C 170078 Country Club Hills, City of 10/1/93 10/1/94 8 10 5 C 170361 Deerfield, Village of 10/1/95 05/1/08 6 20 10 C 170182 DeKalb, City of 05/1/05 05/1/05 8 10 5 C 170081 Des Plaines, City of 10/1/93 10/1/03 7 15 5 C 170204 Downers Grove, Village of 10/1/91 10/1/08 8 10 5 C 170091 Flossmoor, Village of 10/1/93 05/1/08 8 10 5 C 170206 Glendale Heights, Village of 10/1/94 05/1/09 6 20 10 C 170107 Hoffman Estates, Village of 10/1/92 10/1/02 7 15 5 C 170312 Jersey County 05/1/09 10/1/10 6 20 10 C 170357 Lake County 10/1/08 10/1/08 7 15 5 C 170481 Lake in the Hills, Village of 05/1/08 05/1/08 7 15 5 C 170400 LaSalle County 05/1/05 10/1/09 8 10 5 C 170116 Lansing, Village of 10/1/93 10/1/01 7 15 5 C 170378 Lincolnshire, Village of 10/1/93 10/1/03 5 25 10 C 170211 Lisle, Village of 10/1/91 10/1/08 6 20 10 C 170591 Moline, City of 10/1/10 10/1/10 8 10 5 C 170129 Mount Prospect, Village of 10/1/91 10/1/02 7 15 5 C 170213 Naperville, City of 10/1/91 10/1/97 10 0 0 R 170822 North Utica, Village of 05/1/05 10/1/09 10 0 0 R 170132 Northbrook, Village of 10/1/94 05/1/04 7 15 5 C 170214 Oak Brook, Village of 10/1/92 10/1/97 7 15 5 C 170172 Orland Hills, Village of 10/1/96 10/1/02 5 25 10 C 170405 Ottawa, City of 10/1/10 10/1/10 5 25 10 C 175170 Palatine, Village of 10/1/94 05/1/04 7 15 5 C 170533 Peoria County 10/1/92 05/1/09 5 25 10 C 170919 Prospect Heights, City of 10/1/94 05/1/04 8 10 5 C CRS 12 October 1, 2010 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY DATE CURRENT EFFECTIVE DATE CURRENT CLASS % DISCOUNT FOR SFHA1 % DISCOUNT FOR NON-SFHA2 STATUS3 Illinois (continued) 170387 Riverwoods, Village of 05/1/07 05/1/07 8 10 5 C 170582 Rock Island County 10/1/06 10/1/06 7 15 5 C 170912 Sangamon County 04/1/00 04/1/00 8 10 5 C 170163 South Holland, Village of 10/1/92 10/1/02 5 25 10 C 170330 St. Charles, City of 10/1/94 10/1/04 8 10 5 C 170333 Sugar Grove, Village of 10/1/06 10/1/06 7 15 5 C 170169 Tinley Park, City of 10/1/05 10/1/05 7 15 5 C 170173 Wheeling, Village of 10/1/91 05/1/07 7 15 5 C 170687 Whiteside County 10/1/07 10/1/07 8 10 5 C 170222 Willowbrook, Village of 10/1/91 05/1/09 8 10 5 C 170224 Wood Dale, City of Indiana 10/1/99 10/1/04 5 25 10 C 180302 Allen County 10/1/02 10/1/09 8 10 5 C 180150 Anderson, City of 05/1/07 05/1/07 8 10 5 C 180006 Bartholomew County 10/1/93 10/109 8 10 5 C 180007 Columbus, City of 10/1/98 10/1/09 8 10 5 C 180001 Decatur, City of 10/1/93 05/1/08 8 10 5 C 180257 Evansville, City of 10/1/99 10/1/04 8 10 5 C 180003 Fort Wayne, City of 10/1/91 05/1/07 8 10 5 C 180080 Hamilton County 10/1/91 05/1/04 7 15 5 C 180419 Hancock County 10/1/03 10/1/06 8 10 5 C 180159 Indianapolis, City of 10/1/07 10/1/07 8 10 5 C 180093 Kokomo, City of 10/1/95 10/1/96 8 10 5 C 180121 Kosciusko, County of 10/1/97 05/1/08 9 5 5 C 180382 Milford Junction, City of 10/1/97 05/1/08 8 10 5 C 180082 Noblesville, City of 10/1/91 10/1/09 8 10 5 C 180465 North Webster, City of 10/1/97 05/1/08 8 10 5 C 180122 Syracuse, City of 10/1/97 05/1/08 8 10 5 C 180256 Vanderburgh County 04/1/99 04/1/99 8 10 5 C 180263 Vigo County Iowa 10/1/95 10/1/05 10 0 0 R 190169 Coralville, City of 10/1/92 10/1/96 10 0 0 R 190242 Davenport, City of 10/1/95 05/1/08 8 10 5 C 190227 Des Moines, City of Kansas 10/1/91 05/1/08 7 15 5 C 200250 Carbondale, City of 10/1/92 10/1/96 10 0 0 R 200095 Ellis, City of 10/1/07 10/1/07 9 5 5 C 200096 Hayes, City of 10/1/92 10/1/03 10 0 0 R 200090 Lawrence, City of 10/1/04 10/1/04 8 10 5 C 200215 Lindsborg, City of 10/1/92 05/1/09 8 10 5 C 200201 Lyon County 10/1/07 10/1/07 9 5 5 C 200173 Olathe, City of 10/1/93 05/1/09 8 10 5 C 200174 Overland Park, City of 10/1/09 10/1/09 8 10 5 C 200298 Riley County 10/1/92 10/1/93 10 0 0 R 200177 Shawnee, City of 10/1/91 10/1/01 8 10 5 C 205187 Topeka, City of 10/1/92 10/1/01 10 0 0 R CRS 13 October 1, 2010 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY DATE CURRENT EFFECTIVE DATE CURRENT CLASS % DISCOUNT FOR SFHA1 % DISCOUNT FOR NON-SFHA2 STATUS3 Kentucky 210017 Ashland, City of 10/1/92 10/1/97 10 0 0 R 210010 Bell County 10/1/94 10/1/97 10 0 0 R 210219 Bowling Green, City of 10/1/91 10/1/06 7 15 5 C 210227 Corbin, City of 10/1/93 10/1/94 10 0 0 R 210062 Daviess County 05/1/03 05/1/05 8 10 5 C 210075 Frankfort, City of 10/1/92 05/1/10 8 10 5 C 210280 Franklin County 10/1/93 10/1/97 10 0 0 R 210051 Grayson, City of 10/1/92 10/1/92 9 5 5 C 210055 Hopkinsville, City of 10/1/91 10/1/96 10 0 0 R 210067 Lexington-Fayette Urban County 10/1/91 10/1/07 7 15 5 C 210120 Louisville-Jefferson County Metro Government 10/1/91 05/1/08 5 25 10 C 210126 Nicholasville, City of 10/1/91 10/1/97 8 10 5 C 210063 Owensboro, City of 05/1/03 05/1/05 8 10 5 C 210127 Paintsville, City of 10/1/92 10/1/92 9 5 5 C 210298 Pike County 10/1/95 10/1/95 9 5 5 C 210193 Pikeville, City of 10/1/92 10/1/92 9 5 5 C 210072 Prestonsburg, City of 10/1/92 10/1/09 10 0 0 R 210366 Radcliff, City of 10/1/95 10/1/95 9 5 5 C 210203 Rowan County 10/1/94 10/1/94 9 5 5 C 210312 Warren County 10/1/91 10/1/06 7 15 5 C 210097 West Point, City of Louisiana 10/1/95 10/1/00 10 0 0 R 220013 Ascension Parish 10/1/92 05/1/08 8 10 5 C 225193 Baker, City of 10/1/91 10/1/91 9 5 5 C 220033 Bossier City, City of 10/1/92 05/1/08 8 10 5 C 220361 Caddo Parish 10/1/95 10/1/07 8 10 5 C 220037 Calcasieu Parish 10/1/91 10/1/07 8 10 5 C 220103 Carencro, City of 05/1/09 05/1/10 8 10 5 C 220200 Covington, City of 10/1/95 10/1/96 10 0 0 R 220116 Denham Springs, City of 10/1/91 10/1/91 9 5 5 C 220027 Deridder, City of 10/1/95 10/1/95 9 5 5 C 220058 East Baton Rouge Parish 10/1/91 10/1/94 7 15 5 C 220117 French Settlement, Village of 10/1/92 10/1/07 9 5 5 C 220015 Gonzales, City of 10/1/92 05/1/08 9 5 5 C 225198 Gretna, City of 10/1/00 10/1/08 9 5 5 C 225200 Harahan, City of 10/1/08 10/1/08 8 10 5 C 220220 Houma, City of 10/1/92 10/1/09 7 15 5 C 225199 Jefferson Parish 10/1/92 05/1/10 6 20 10 C 225201 Kenner, City of 10/1/92 05/1/09 7 15 5 C 225202 Lafourche Parish 01/1/92 05/1/04 10 0 0 R 220040 Lake Charles, City of 10/1/04 10/1/04 9 5 5 C 220113 Livingston Parish 10/1/92 10/1/92 9 5 5 C 220248 Lutcher, Town of 10/1/92 10/1/92 9 5 5 C 220202 Mandeville, Town of 10/1/92 10/1/08 7 15 5 C 220136 Monroe, City of 10/1/03 10/1/03 9 5 5 C 220196 Morgan City, City of 10/1/91 05/1/06 8 10 5 C 225203 New Orleans/Orleans Parish 10/1/91 10/1/01 8 10 5 C 220135 Ouachita Parish 10/1/02 05/1/08 9 5 5 C 220119 Port Vincent, Village of 10/1/92 10/1/97 10 0 0 R CRS 14 October 1, 2010 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY DATE CURRENT EFFECTIVE DATE CURRENT CLASS % DISCOUNT FOR SFHA1 % DISCOUNT FOR NON-SFHA2 STATUS3 Louisiana (continued) 220008 Rayne, City of 10/1/91 10/1/91 9 5 5 C 220347 Ruston, City of 10/1/92 10/1/92 9 5 5 C 220036 Shreveport, City of 10/1/91 05/1/08 7 15 5 C 220204 Slidell, City of 10/1/92 10/1/08 8 10 5 C 220016 Sorrento, Town of 10/1/92 05/1/08 9 5 5 C 220160 St. Charles Parish 10/1/91 10/1/07 8 10 5 C 220261 St. James Parish 10/1/91 10/1/97 8 10 5 C 220164 St. John The Baptist Parish 10/1/94 05/1/10 8 10 5 C 225205 St. Tammany Parish 10/1/92 10/1/92 9 5 5 C 220206 Tangipahoa Parish 10/1/96 10/1/96 9 5 5 C 225206 Terrebonne Parish 10/1/92 10/1/09 7 15 5 C 220121 Walker, Town of 10/1/92 05/1/08 9 5 5 C 220239 West Baton Rouge Parish 10/1/93 10/1/96 8 10 5 C 220094 Westwego, City of 10/1/07 10/1/07 8 10 5 C 220061 Zachary, City of Maine 10/1/92 10/1/07 8 10 5 C 230191 Alfred, Town of 10/1/91 10/1/93 8 10 5 C 230208 Arrowsic, Town of 10/1/93 10/1/93 9 5 5 C 230001 Auburn, City of 10/1/92 10/1/92 9 5 5 C 230043 Cape Elizabeth, Town of 10/1/94 10/1/94 9 5 5 C 230116 Dover-Foxcroft, Town of 10/1/07 10/1/07 9 5 5 C 230057 Farmington, Town of 10/1/94 10/1/94 9 5 5 C 230018 Fort Fairfield, Town of 10/1/02 10/1/02 8 10 5 C 230209 Georgetown, Town of 10/1/01 10/1/08 10 0 0 R 230069 Hallowell, City of 10/1/96 10/1/09 10 0 0 R 230004 Lewiston, City of 10/1/93 05/1/97 8 10 5 C 230178 Norridgewock, City of 10/1/97 10/1/07 10 0 0 R 230632 Ogunquit, Town of 10/1/92 05/1/03 8 10 5 C 230153 Old Orchard Beach, Town of 10/1/93 10/1/09 8 10 5 C 230112 Old Town, City of 10/1/05 10/1/05 8 10 5 C 230120 Phippsburg, Town of 10/1/93 10/1/08 10 0 0 R 230051 Portland, City of 10/1/93 05/1/09 9 5 5 C 230155 Saco, City of 10/1/92 10/1/99 8 10 5 C 230128 Skowhegan, Town of 10/1/91 10/1/03 8 10 5 C 230157 South Berwick, Town of 10/1/94 05/1/05 8 10 5 C 230293 Southwest Harbor, Town of 10/1/96 10/1/02 9 5 5 C 230158 Wells, Town of 10/1/91 10/1/06 9 5 5 C 230159 York, Town of Maryland 10/1/01 10/1/01 8 10 5 C 240042 Bel Air, Town of 10/1/93 10/1/03 8 10 5 C 240011 Calvert County 10/1/91 10/1/96 10 0 0 R 240130 Caroline County 10/1/96 10/1/96 9 5 5 C 240015 Carroll County 10/1/07 10/1/07 8 10 5 C 240040 Harford County 10/1/91 10/1/00 7 15 5 C 240043 Havre de Grace, City of 05/1/09 05/1/09 9 5 5 C 240044 Howard County 10/1/07 10/1/07 8 10 5 C 240012 North Beach, City of 01/1/92 10/1/08 10 0 0 R 245207 Ocean City, Town of 10/1/92 10/1/02 7 15 5 C 245208 Prince George’s County 10/1/91 10/1/01 5 25 10 C CRS 15 October 1, 2010 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY DATE CURRENT EFFECTIVE DATE CURRENT CLASS % DISCOUNT FOR SFHA1 % DISCOUNT FOR NON-SFHA2 STATUS3 Massachusetts 250286 Boston, City of 10/1/92 10/1/97 10 0 0 R 250233 Braintree, Town of 10/1/92 05/1/08 9 5 5 C 250004 Chatham, Town of 10/1/92 10/1/93 8 10 5 C 250082 Gloucester, City of 10/1/92 10/1/97 10 0 0 R 250008 Harwich, Town of 10/1/95 10/1/95 9 5 5 C 250085 Haverhill, City of 10/1/92 10/1/92 9 5 5 C 250269 Hull, Town of 05/1/08 05/1/08 8 10 5 C 250273 Marshfield, Town of 10/1/91 05/1/07 8 10 5 C 250167 Northampton, City of 05/1/03 10/1/10 10 0 0 C 250060 Norton, Town of 10/1/91 10/1/91 9 5 5 C 250010 Orleans, City of 10/1/93 10/1/93 9 5 5 C 250278 Plymouth, Town of 10/1/91 10/1/91 9 5 5 C 255219 Quincy, City of 10/1/93 05/1/97 7 15 5 C 250282 Scituate, Town of 10/1/91 05/1/09 8 10 5 C 250218 Tewksbury, Town of 10/1/93 10/1/09 10 0 0 R 250349 Worcester, City of Michigan 10/1/95 10/1/95 9 5 5 C 260142 Bedford, Township of 05/1/02 05/1/08 8 10 5 C 260473 Commerce, Township of 05/1/03 05/1/09 8 10 5 C 260221 Dearborn Heights, City of 10/1/92 05/1/08 7 15 5 C 260172 Farmington Hills, City of 10/1/94 10/1/95 10 0 0 R 260657 Fraser, Township of 05/1/03 05/1/03 9 5 5 C 260226 Gibraltar, City of 10/1/92 10/1/02 8 10 5 C 260118 Hamburg, Township of 10/1/99 10/1/99 8 10 5 C 260150 Luna Pier, City of 05/1/02 05/1/08 8 10 5 C 260140 Midland, City of 10/1/92 10/1/08 5 25 10 C 260175 Novi, City of 10/1/99 10/1/99 7 15 5 C 260185 Park, Township of 05/1/03 05/1/03 9 5 5 C 260109 Plainfield Township 05/1/10 05/1/10 9 5 5 C 260577 Portage, City of 10/1/92 05/1/08 8 10 5 C 260190 Saginaw, Township of 10/1/06 10/1/06 9 5 5 C 260305 Saugatuck, City of 10/1/06 10/1/06 8 10 5 C 260128 Sterling Heights, City of 10/1/95 05/1/05 7 15 5 C 260243 Sumpter, Township of 10/1/95 10/1/04 10 0 0 R 260728 Taylor, City of 05/1/03 10/1/09 8 10 5 C 260503 Taymouth, Township of 05/1/03 10/1/09 8 10 5 C 260208 Vassar, City of 10/1/06 10/1/06 6 20 10 C 260285 Zilwaukee, City of Minnesota 05/1/04 05/1/04 8 10 5 C 275228 Austin, City of 10/1/91 05/1/08 5 25 10 C 275236 East Grand Forks, City of 10/1/91 10/1/98 10 0 0 R 275240 Lake St. Croix Beach, City of 10/1/95 10/1/00 8 10 5 C 275243 Montevideo, City of 05/1/10 05/1/10 5 25 10 C 275244 Moorhead, City of 05/1/10 05/1/10 7 15 5 C 270307 Mower County 10/1/95 04/1/00 8 10 5 C 275246 Rochester, City of 10/1/91 10/1/96 10 0 0 R 270729 West St. Paul, City of 10/1/91 10/1/96 10 0 0 R CRS 16 October 1, 2010 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY DATE CURRENT EFFECTIVE DATE CURRENT CLASS % DISCOUNT FOR SFHA1 % DISCOUNT FOR NON-SFHA2 STATUS3 Mississippi 285251 Bay St. Louis, City of 10/1/95 10/1/00 7 15 5 C 285252 Biloxi, City of 10/1/96 05/1/09 6 20 10 C 280016 Cleveland, City of 10/1/93 04/1/99 8 10 5 C 280336 D’lberville, City of 10/1/07 10/1/10 5 25 10 C 280332 Gautier, City of 10/1/94 10/1/10 7 15 5 C 280179 Greenville, City of 10/1/93 05/1/03 8 10 5 C 285253 Gulfport, City of 10/1/96 10/1/01 8 10 5 C 285255 Harrison County 10/1/03 10/1/03 8 10 5 C 280053 Hattiesburg, City of 10/1/94 05/1/10 6 20 10 C 280070 Hinds County 10/1/93 10/1/93 9 5 5 C 280072 Jackson, City of 10/1/91 10/1/96 8 10 5 C 280304 Lamar County 10/1/08 10/1/08 9 5 5 C 285257 Long Beach, City of 10/1/00 10/1/08 7 15 5 C 280229 Madison, City of 10/1/96 10/1/01 8 10 5 C 280096 Meridian, City of 10/1/92 05/1/08 8 10 5 C 285259 Ocean Springs, City of 10/1/92 05/1/08 7 15 5 C 285260 Pascagoula, City of 10/1/07 10/1/09 6 20 10 C 285261 Pass Christian, City of 10/1/93 10/1/03 6 20 10 C 280130 Picayune, City of 05/1/08 05/1/08 8 10 5 C 280110 Ridgeland, City of 10/1/94 10/1/04 8 10 5 C 280300 Stone County 10/1/10 10/1/10 8 10 5 C 280100 Tupelo, City of 05/1/03 05/1/03 8 10 5 C 280176 Vicksburg, City of 10/1/93 04/1/01 7 15 5 C 285262 Waveland, City of Missouri 10/1/93 10/1/06 5 25 10 C 290188 Arnold, City of 10/1/91 05/1/04 10 0 0 R 290351 Ferguson, City of 10/1/95 04/1/01 10 0 0 R 290172 Independence,City of 10/1/91 10/1/01 7 15 5 C 290173 Kansas City, City of 10/1/09 10/1/09 9 5 5 C 290362 Kirkwood, City of 10/1/91 10/1/96 10 0 0 R 290475 Platte County 05/1/09 05/1/10 5 25 10 C 290315 St. Charles County Montana 10/1/01 05/1/08 7 15 5 C 300009 Belt, Town of 10/1/91 10/1/92 8 10 5 C 300028 Bozeman, City of 10/1/92 10/1/09 8 10 5 C 300008 Cascade County 10/1/91 04/1/01 8 10 5 C 300108 Circle, Town of 10/1/91 10/1/93 8 10 5 C 300023 Flathead County 10/1/93 10/1/07 8 10 5 C 300010 Great Falls, City of 10/1/91 10/1/06 8 10 5 C 300038 Lewis and Clark County 10/1/91 10/1/02 8 10 5 C 300014 Miles City, City of 10/1/91 10/1/94 9 5 5 C 300049 Missoula, City of 10/1/91 05/1/02 8 10 5 C 300048 Missoula County 10/1/91 05/1/02 8 10 5 C 300029 Three Forks, Town of 10/1/93 10/1/98 8 10 5 C 300142 Yellowstone County Nebraska 05/1/03 05/1/03 8 10 5 C 315275 Papillion, City of 10/1/10 10/1/10 8 10 5 C 310069 Fremont, City of 10/1/91 10/1/91 9 5 5 C CRS 17 October 1, 2010 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY DATE CURRENT EFFECTIVE DATE CURRENT CLASS % DISCOUNT FOR SFHA1 % DISCOUNT FOR NON-SFHA2 STATUS3 Nebraska (continued) 315273 Lincoln, City of 10/1/91 10/1/09 6 20 10 C 310078 Valley, City of Nevada 10/1/08 10/1/08 8 10 5 C 320001 Carson City, City of 10/1/94 10/1/09 6 20 10 C 320003 Clark County 10/1/92 05/1/08 6 20 10 C 320008 Douglas County 10/1/93 10/1/04 6 20 10 C 320005 Henderson, City of 10/1/91 05/1/08 6 20 10 C 325276 Las Vegas, City of 10/1/91 05/1/08 6 20 10 C 320035 Mesquite, City of 10/1/02 05/1/07 7 15 5 C 320007 North Las Vegas, City of 10/1/91 05/1/08 6 20 10 C 320033 Storey County 10/1/94 10/1/99 8 10 5 C 320019 Washoe County New Hampshire 05/1/09 05/1/09 7 15 5 C 330023 Keene, City of 05/1/02 05/1/08 8 10 5 C 330024 Marlborough, Town of 10/1/94 10/1/94 9 5 5 C 330101 Peterborough, Town of 05/1/04 05/1/04 8 10 5 C 330141 Rye, Town of 05/1/05 10/1/10 10 0 0 R 330028 Winchester, Town of New Jersey 05/1/02 05/1/02 9 5 5 C 340312 Aberdeen, Township of 05/1/10 05/1/10 9 5 5 C 345278 Atlantic City, City of 10/1/92 10/1/00 9 5 5 C 345279 Avalon, Borough of 10/1/96 10/1/07 6 20 10 C 340396 Barnegat, Township of 10/1/92 10/1/97 10 0 0 R 345280 Barnegat Light, Borough of 10/1/92 10/1/01 8 10 5 C 345281 Bay Head, Borough of 10/1/93 10/1/98 8 10 5 C 345282 Beach Haven, Borough of 10/1/91 05/1/04 7 15 5 C 340427 Bedminster, Township of 10/1/96 05/1/07 6 20 10 C 340369 Berkeley, Township of 10/1/92 10/1/08 7 15 5 C 340459 Berkeley Heights, Township of 10/1/94 04/1/99 10 0 0 R 340428 Bernards, Township of 10/1/10 10/1/10 8 10 5 C 340178 Bloomfield, Township of 10/1/92 10/1/97 10 0 0 R 340289 Bradley Beach, Borough of 10/1/95 10/1/00 7 15 5 C 345286 Brigantine, City of 10/1/92 10/1/09 6 20 10 C 345287 Burlington, City of 04/1/98 10/1/03 8 10 5 C 345288 Cape May City, City of 10/1/94 10/1/99 8 10 5 C 345289 Cape May Point, Borough of 10/1/93 10/1/94 7 15 5 C 340031 Englewood, City of 10/1/91 10/1/01 10 0 0 R 340434 Franklin, Township of 05/1/10 05/1/10 7 15 5 C 340204 Greenwich, Township of 05/1/07 05/1/07 9 5 5 C 340246 Hamilton, Township of 10/1/92 10/1/02 8 10 5 C 345296 Harvey Cedars, Borough of 10/1/91 10/1/99 8 10 5 C 340376 Lacey, Township of 10/1/92 10/1/93 10 0 0 R 340379 Lavallette, Borough of 05/1/04 05/1/05 8 10 5 C 345300 Lincoln Park, Borough of 10/1/91 10/1/06 10 0 0 R 340467 Linden, City of 10/1/91 10/1/02 8 10 5 C 340401 Little Falls, Township of 05/1/10 05/1/10 9 5 5 C 340046 Little Ferry, Borough of 10/1/93 10/1/94 10 0 0 R 340047 Lodi, Borough of 10/1/92 10/1/93 10 0 0 R CRS 18 October 1, 2010 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY DATE CURRENT EFFECTIVE DATE CURRENT CLASS % DISCOUNT FOR SFHA1 % DISCOUNT FOR NON-SFHA2 STATUS3 New Jersey (continued) 345301 Long Beach, Township of 10/1/92 10/1/08 6 20 10 C 345302 Longport, Borough of 10/1/95 10/1/00 8 10 5 C 345303 Manasquan, Borough of 10/1/92 10/1/09 7 15 5 C 340383 Mantoloking, Borough of 10/1/92 10/1/08 6 20 10 C 345304 Margate City, City of 10/1/92 10/1/99 7 15 5 C 340188 Montclair, Township of 10/1/94 10/1/95 10 0 0 R 340517 Mullica, Township of 10/1/94 05/1/08 10 0 0 R 340570 New Jersey Meadowlands Commission 10/1/92 05/1/09 7 15 5 C 345307 North Plainfield, Borough of 10/1/92 10/1/09 8 10 5 C 345308 North Wildwood, City of 10/1/00 10/1/00 7 15 5 C 345309 Oakland, Borough of 10/1/95 10/1/96 10 0 0 R 340518 Ocean, Township of 10/1/95 10/1/95 9 5 5 C 345310 Ocean City, City of 10/1/92 10/1/01 7 15 5 C 340320 Oceanport, Borough of 05/1/10 05/1/10 8 10 5 C 340110 Palmyra, Borough of 10/1/09 10/1/09 8 10 5 C 340355 Parsippany-Troy Hills, Township of 10/1/91 05/1/09 10 0 0 R 340512 Pennsville, Township of 10/1/92 10/1/97 10 0 0 R 345311 Pequannock, Village of 10/1/91 10/1/97 10 0 0 R 345312 Plainfield, City of 10/1/91 10/1/98 10 0 0 R 345313 Point Pleasant, Borough of 10/1/93 10/1/93 9 5 5 C 340388 Point Pleasant Beach, Borough of 10/1/92 05/1/09 9 5 5 C 345528 Pompton Lakes, Borough of 10/1/91 10/1/96 10 0 0 R 345314 Rahway, City of 10/1/92 05/1/09 7 15 5 C 340067 Ridgewood, Village of 10/1/92 10/1/02 7 15 5 C 340359 Riverdale, Borough of 10/1/94 10/1/94 9 5 5 C 340070 Rochelle Park, Township of 10/1/06 10/1/06 8 10 5 C 340472 Roselle, Borough of 10/1/92 01/1/98 8 10 5 C 340474 Scotch Plains, Township of 10/1/94 10/1/95 10 0 0 R 345317 Sea Bright, Borough of 10/1/92 10/1/97 10 0 0 R 345318 Sea Isle City, City of 10/1/92 10/1/95 10 0 0 R 345319 Seaside Park, Borough of 10/1/92 10/1/06 8 10 5 C 345320 Ship Bottom, Borough of 10/1/92 05/1/09 7 15 5 C 340329 Spring Lake, Borough of 10/1/94 10/1/99 8 10 5 C 340393 Stafford, Township of 10/1/91 05/1/08 6 20 10 C 345323 Stone Harbor, Borough of 10/1/94 05/1/09 7 15 5 C 345324 Surf City, Borough of 10/1/92 10/1/08 7 15 5 C 345293 Toms River, Township of 10/1/92 10/1/92 9 5 5 C 340395 Tuckerton, Borough of 10/1/93 10/1/98 10 0 0 R 340331 Union Beach, Borough of 10/1/03 10/1/03 8 10 5 C 345326 Ventnor, City of 10/1/92 05/1/10 7 15 5 C 340446 Warren, Township of 05/1/10 05/1/10 9 5 5 C 345327 Wayne, Township of 10/1/91 10/1/00 8 10 5 C 345328 West Wildwood, Borough of 10/1/93 10/1/05 10 0 0 R 345330 Wildwood Crest, Borough of 10/1/93 10/1/03 8 10 5 C 345331 Woodbridge, Township of New Mexico 10/1/92 10/1/97 10 0 0 R 350045 Alamogordo, City of 10/1/91 10/1/91 9 5 5 C CRS 19 October 1, 2010 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY DATE CURRENT EFFECTIVE DATE CURRENT CLASS % DISCOUNT FOR SFHA1 % DISCOUNT FOR NON-SFHA2 STATUS3 New Mexico (continued) 350002 Albuquerque, City of 10/1/93 10/1/08 9 5 5 C 350001 Bernalillo County 10/1/93 05/1/08 9 5 5 C 350010 Clovis, City of 10/1/91 10/1/91 9 5 5 C 350012 Dona Ana County 10/1/03 10/1/08 8 10 5 C 350067 Farmington, City of 10/1/91 10/1/91 9 5 5 C 350029 Hobbs, City of 10/1/92 05/1/08 8 10 5 C 355332 Las Cruces, City of 10/1/91 10/1/08 6 20 10 C 350054 Portales, City of 10/1/95 10/1/95 9 5 5 C 350006 Roswell, City of 10/1/92 10/1/92 9 5 5 C 350064 San Juan County New York 05/1/08 05/1/08 9 5 5 C 360226 Amherst, Town of 10/1/95 05/1/97 8 10 5 C 360147 Ashland, Town of 10/1/91 05/1/08 9 5 5 C 360790 Babylon,Town of 10/1/92 10/1/93 10 0 0 R 360988 Bayville, Village of 10/1/92 10/1/03 8 10 5 C 360148 Big Flats, Town of 10/1/91 10/1/96 8 10 5 C 361342 Brightwaters, Village of 10/1/93 10/1/98 10 0 0 R 360570 Camillus, Town of 10/1/96 10/1/01 10 0 0 R 361055 Catlin, Town of 10/1/91 10/1/97 10 0 0 R 360149 Chemung, Town of 10/1/91 05/1/08 9 5 5 C 360772 Corning, City of 10/1/91 05/1/08 9 5 5 C 360463 East Rockaway, Village of 10/1/92 10/1/92 9 5 5 C 360150 Elmira, City of 10/1/91 05/1/97 8 10 5 C 360151 Elmira, Town of 10/1/91 10/1/91 9 5 5 C 360774 Erwin, Town of 10/1/91 05/1/08 8 10 5 C 361194 Esperance, Town of 10/1/10 10/1/10 9 5 5 C 360464 Freeport, Village of 10/1/92 10/1/09 7 15 5 C 360466 Great Neck Estates, Village of 10/1/10 10/1/10 9 5 5 C 360417 Greece, Town of 10/1/92 10/1/10 8 10 5 C 360777 Hornellsville, Town of 10/1/91 10/1/92 10 0 0 R 360153 Horseheads, Town of 10/1/91 10/1/91 9 5 5 C 360154 Horseheads, Village of 10/1/91 10/1/91 9 5 5 C 360308 Ilion, Village of 10/1/00 10/1/00 9 5 5 C 360047 Johnson City, Village of 10/1/91 10/1/91 9 5 5 C 360247 Lackawanna, City of 05/1/03 05/1/03 9 5 5 C 360476 Lawrence, Village of 10/1/92 05/1/07 7 15 5 C 365338 Long Beach, City of 10/1/09 10/1/09 8 10 5 C 360118 Moravia, Village of 05/1/09 05/1/09 8 10 5 C 360506 Niagara Falls, City of 10/1/92 10/1/02 8 10 5 C 360801 Northport, Village of 10/1/94 10/1/08 10 0 0 R 360667 Oneonta, City of 10/1/94 05/1/04 8 10 5 C 360780 Pulteney, Town of 10/1/91 10/1/93 10 0 0 R 360932 Scarsdale, Village of 10/1/93 10/1/98 8 10 5 C 365342 Southampton, Town of 10/1/95 10/1/05 8 10 5 C 365343 Southampton, Village of 10/1/92 10/1/93 10 0 0 R 360156 Southport, Town of 10/1/91 10/1/91 9 5 5 C 360595 Syracuse, City of 10/1/93 05/1/10 8 10 5 C 360056 Union, Town of 10/1/91 10/1/08 8 10 5 C 361057 Veteran, Town of 10/1/91 10/1/96 10 0 0 R 360157 Wellsburg, Village of 10/1/91 10/1/91 9 5 5 C CRS 20 October 1, 2010 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY DATE CURRENT EFFECTIVE DATE CURRENT CLASS % DISCOUNT FOR SFHA1 % DISCOUNT FOR NON-SFHA2 STATUS3 North Carolina 370404 Alliance, Town of 10/1/92 10/1/92 9 5 5 C 370044 Atlantic Beach, Town of 10/1/92 10/1/93 8 10 5 C 370183 Bayboro, Town of 10/1/92 10/1/92 9 5 5 C 375346 Beaufort, City of 10/1/94 10/1/05 8 10 5 C 370015 Belhaven, Town of 10/1/93 10/1/94 8 10 5 C 370253 Boone, Town of 10/1/91 10/1/00 7 15 5 C 370231 Brevard, City of 10/1/92 10/1/07 8 10 5 C 370036 Cabarrus County 10/1/91 05/1/07 8 10 5 C 370039 Caldwell County 04/1/00 04/1/00 9 5 5 C 370046 Cape Carteret, Town of 10/1/93 10/1/03 8 10 5 C 375347 Carolina Beach, Town of 10/1/93 04/1/99 7 15 5 C 370043 Carteret County 10/1/91 10/1/92 8 10 5 C 370238 Cary, Town of 10/1/92 10/1/96 10 0 0 R 370391 Caswell Beach, City of 10/1/94 10/1/00 7 15 5 C 370465 Cedar Point, Town of 10/1/92 10/1/07 8 10 5 C 370159 Charlotte, City of 10/1/91 05/1/06 5 25 10 C 370263 Clinton, City of 10/1/94 05/1/09 8 10 5 C 370037 Concord, City of 10/1/93 10/1/03 8 10 5 C 370072 Craven County 10/1/91 10/1/01 8 10 5 C 370443 Creswell, Town of 10/1/94 10/1/99 8 10 5 C 370076 Cumberland County 10/1/96 10/1/10 8 10 5 C 370078 Currituck County 10/1/93 05/1/08 8 10 5 C 375348 Dare County 10/1/91 05/1/08 8 10 5 C 370085 Durham County 10/1/92 10/1/08 8 10 5 C 370062 Edenton, Town of 10/1/93 05/1/08 9 5 5 C 370047 Emerald Isle, Town of 10/1/93 10/1/03 7 15 5 C 370190 Farmville, Town of 10/1/04 10/1/04 8 10 5 C 375349 Forsyth County 10/1/93 05/1/08 8 10 5 C 370255 Goldsboro, City of 10/1/93 05/1/03 8 10 5 C 375351 Greensboro, City of 05/1/09 05/1/09 8 10 5 C 370191 Greenville, City of 10/1/92 10/1/07 7 15 5 C 370192 Grifton, Town of 10/1/04 05/1/08 5 25 10 C 370111 Guilford County 10/1/93 10/1/08 8 10 5 C 370265 Havelock, City of 10/1/95 10/1/99 8 10 5 C 375352 Holden Beach, Town of 10/1/91 10/1/92 8 10 5 C 370133 Hyde County 10/1/92 10/1/92 9 5 5 C 370178 Jacksonville, City of 10/1/91 10/1/05 8 10 5 C 375353 Kill Devil Hills, City of 10/1/91 10/1/01 7 15 5 C 370145 Kinston, City of 10/1/94 05/1/06 5 25 10 C 370439 Kitty Hawk, Town of 10/1/91 10/1/02 6 20 10 C 370144 Lenoir County 10/1/94 05/1/06 7 15 5 C 370081 Lexington, City of 10/1/93 05/1/08 7 15 5 C 375355 Manteo, Town of 10/1/91 05/1/08 8 10 5 C 370158 Mecklenburg County 10/1/91 05/1/06 6 20 10 C 370418 Minnesott Beach, Town of 10/1/92 10/1/92 9 5 5 C 370048 Morehead City, Town of 10/1/92 10/1/93 8 10 5 C 375356 Nags Head, City of 10/1/91 10/1/01 6 20 10 C 370167 Nashville, Town of 10/1/94 05/1/05 8 10 5 C 370074 New Bern, City of 10/1/92 05/1/04 10 0 0 R 370168 New Hanover County 10/1/91 05/1/08 8 10 5 C 370049 Newport, Town of 10/1/92 10/1/07 8 10 5 C CRS 21 October 1, 2010 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY DATE CURRENT EFFECTIVE DATE CURRENT CLASS % DISCOUNT FOR SFHA1 % DISCOUNT FOR NON-SFHA2 STATUS3 North Carolina (continued) 370466 North Topsail Beach, Town of 10/1/92 10/1/02 7 15 5 C 370523 Oak Island, Town of 10/1/91 05/1/08 8 10 5 C 375357 Ocean Isle Beach, Town of 10/1/92 05/1/08 8 10 5 C 370279 Oriental, Town of 10/1/92 10/1/97 9 5 5 C 370181 Pamlico County 10/1/92 10/1/97 9 5 5 C 370267 Pine Knoll Shores, Town of 10/1/92 10/1/02 7 15 5 C 370160 Pineville, Town of 10/1/91 05/1/06 6 20 10 C 370372 Pitt County 10/1/02 10/1/04 8 10 5 C 370249 Plymouth, Town of 10/1/94 10/1/99 8 10 5 C 370243 Raleigh, City of 10/1/91 10/1/06 7 15 5 C 370432 River Bend, Town of 05/1/10 05/1/10 8 10 5 C 370092 Rocky Mount, City of 10/1/92 05/1/08 7 15 5 C 370421 Roper, Town of 10/1/94 10/1/99 8 10 5 C 370220 Sampson County 10/1/94 10/1/99 10 0 0 R 370430 Southern Shores, Town of 10/1/92 10/1/96 6 20 10 C 370028 Southport, City of 10/1/91 10/1/05 8 10 5 C 370437 Stonewall, Town of 10/1/92 10/1/92 9 5 5 C 375359 Sunset Beach, Town of 10/1/91 10/1/00 8 10 5 C 370094 Tarboro, Town of 10/1/06 10/1/06 8 10 5 C 370187 Topsail Beach, Town of 10/1/92 10/1/02 6 20 10 C 370438 Vandemere, Town of 10/1/92 10/1/92 9 5 5 C 370368 Wake County 10/1/91 10/1/96 10 0 0 R 370017 Washington, City of 10/1/92 10/1/02 8 10 5 C 370247 Washington County 10/1/94 10/1/99 8 10 5 C 370268 Washington Park, Town of 10/1/92 10/1/07 8 10 5 C 370251 Watauga County 10/1/91 10/1/91 9 5 5 C 370254 Wayne County 10/1/93 05/1/03 7 15 5 C 370464 Whispering Pines, Village of 10/1/91 10/1/96 10 0 0 R 370071 Whiteville, City of 10/1/96 10/1/05 8 10 5 C 370270 Wilson, City of 10/1/91 10/1/05 7 15 5 C 375360 Winston-Salem, City of 10/1/93 05/1/08 8 10 5 C 370193 Winterville, Town of 10/1/93 10/1/97 10 0 0 R 375361 Wrightsville Beach, Town of North Dakota 10/1/91 05/1/08 8 10 5 C 385364 Fargo, City of 05/1/06 05/1/06 7 15 5 C 385365 Grand Forks, City of 10/1/91 10/1/01 5 25 10 C Ohio 390183 Delta, Village of 10/1/92 10/1/92 9 5 5 C 390038 Fairfield, City of 10/1/93 10/1/98 8 10 5 C 390110 Highland Heights, City of 10/1/91 10/1/92 10 0 0 R 390412 Kettering, City of 10/1/95 10/1/00 8 10 5 C 390328 Licking County 10/1/93 05/1/09 7 15 5 C 390378 Medina County 05/1/07 05/1/07 9 5 5 C 390071 New Richmond, Village of 10/1/92 10/1/02 8 10 5 C 390176 Obetz, Village of 10/1/96 10/1/96 9 5 5 C 390737 Orange, Village of 10/1/91 10/1/91 9 5 5 C 390472 Ottawa, Village of 10/1/95 10/1/95 9 5 5 C 390432 Ottawa County 10/1/92 10/1/92 9 5 5 C CRS 22 October 1, 2010 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY DATE CURRENT EFFECTIVE DATE CURRENT CLASS % DISCOUNT FOR SFHA1 % DISCOUNT FOR NON-SFHA2 STATUS3 Ohio (continued) 390460 Preble County 10/1/98 10/1/98 9 5 5 C 390479 Shelby, City of 10/1/92 10/1/92 9 5 5 C 390131 South Euclid, City of 10/1/91 10/1/91 9 5 5 C 390419 West Carrollton, City of Oklahoma 05/1/02 05/1/09 8 10 5 C 400220 Bartlesville, City of 10/1/92 10/1/02 7 15 5 C 400207 Bixby, Town of 10/1/93 10/1/98 10 0 0 R 400078 Blackwell, City of 10/1/91 10/1/93 8 10 5 C 400236 Broken Arrow, City of 10/1/93 10/1/08 5 25 10 C 400234 Chickasha, City of 10/1/92 10/1/08 8 10 5 C 400221 Dewey, City of 10/1/92 10/1/92 9 5 5 C 400252 Edmond, City of 10/1/93 10/1/08 7 15 5 C 400062 Enid, City of 10/1/93 05/1/09 8 10 5 C 400049 Lawton, City of 10/1/91 05/1/09 6 20 10 C 400245 Lindsay, City of 10/1/92 10/1/93 10 0 0 R 400080 Ponca City, City of 05/1/10 05/1/10 6 20 10 C 400211 Sand Springs, City of 10/1/91 10/1/06 6 20 10 C 400053 Sapulpa, City of 10/1/92 10/1/93 10 0 0 R 405380 Stillwater, City of 10/1/91 10/1/06 8 10 5 C 405381 Tulsa, City of Oregon 10/1/91 10/1/03 2 40 10 C 410137 Albany, City of 10/1/91 10/1/06 7 15 5 C 410090 Ashland, City of 10/1/91 10/1/07 7 15 5 C 410043 Bandon, City of 05/1/05 05/1/10 10 0 0 R 410240 Beaverton,City of 10/1/91 10/1/94 10 0 0 R 410008 Benton County 10/1/02 10/1/07 6 20 10 C 410029 Cannon Beach, City of 10/1/94 10/1/99 7 15 5 C 410092 Central Point, City of 10/1/92 05/1/02 7 15 5 C 415588 Clackamas County 10/1/04 10/1/04 5 25 10 C 410009 Corvallis, City of 10/1/91 10/1/01 7 15 5 C 410059 Douglas County 10/1/00 10/1/00 8 10 5 C 410122 Eugene, City of 10/1/91 10/1/01 7 15 5 C 410108 Grants Pass, City of 10/1/92 05/1/02 8 10 5 C 410175 Heppner, City of 05/1/06 05/1/06 8 10 5 C 415589 Jackson County 10/1/91 05/1/02 7 15 5 C 415591 Lane County 05/1/09 05/1/09 7 15 5 C 410154 Marion County 04/1/01 05/1/07 6 20 10 C 410096 Medford, City of 10/1/94 05/1/09 8 10 5 C 410064 Myrtle Creek, City of 05/1/03 05/1/08 10 0 0 R 410200 Nehalam, City of 10/1/03 05/1/08 7 15 5 C 410021 Oregon City, City of 10/1/03 05/1/08 7 15 5 C 410186 Polk County 10/1/91 10/1/01 8 10 5 C 410183 Portland, City of 10/1/01 10/1/07 5 25 10 C 410201 Rockaway Beach, City of 10/1/04 10/1/09 7 15 5 C 410098 Rogue River, City of 10/1/92 05/1/02 7 15 5 C 410067 Roseburg, City of 10/1/94 10/1/99 8 10 5 C 410167 Salem, City of 05/1/08 10/1/09 7 15 5 C 410039 Scappoose, City of 10/1/93 05/1/08 7 15 5 C 410144 Scio, City of 05/1/04 05/1/10 8 10 5 C CRS 23 October 1, 2010 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY DATE CURRENT EFFECTIVE DATE CURRENT CLASS % DISCOUNT FOR SFHA1 % DISCOUNT FOR NON-SFHA2 STATUS3 Oregon (continued) 410257 Sheridan, City of 10/1/01 10/1/01 8 10 5 C 410213 Stanfield, City of 10/1/91 10/1/03 8 10 5 C 410100 Talent, City of 10/1/00 05/1/06 9 5 5 C 410202 Tillamook, City of 10/1/06 10/1/06 8 10 5 C 410196 Tillamook County 04/1/01 04/1/01 6 20 10 C 410184 Troutdale, City of Pennsylvania 05/1/08 05/1/08 8 10 5 C 420339 Bloomsburg, Town of 10/1/93 10/1/03 8 10 5 C 422034 Chapman, Township of 10/1/07 10/1/07 9 5 5 C 420714 Danville, Borough of 10/1/06 10/1/06 8 10 5 C 421062 Etna, Borough of 10/1/96 05/1/04 8 10 5 C 421134 Granville, Township of 10/1/93 10/1/93 9 5 5 C 420608 Hanover Township 10/1/10 10/1/10 9 5 5 C 420380 Harrisburg,City of 10/1/91 05/1/06 6 20 10 C 420735 Herndon, Borough of 10/1/07 10/1/07 8 10 5 C 420642 Jersey Shore, Borough of 10/1/93 10/1/93 9 5 5 C 420612 Kingston, Borough of 10/1/92 10/1/92 9 5 5 C 420613 Kingston, Township of 10/1/92 04/1/93 10 0 0 R 420831 Lewisburg, Borough of 10/1/93 10/1/03 8 10 5 C 420687 Lewistown, Borough of 10/1/93 05/1/10 8 10 5 C 422105 Limestone, Township of 10/1/93 10/1/98 10 0 0 R 421040 Loyalsock, Township of 10/1/94 04/1/01 10 0 0 R 425384 Milton, Borough of 10/1/92 05/1/08 8 10 5 C 421020 Monroe, Township of 10/1/07 10/1/07 9 5 5 C 420754 Newport, Borough of 10/1/94 10/1/09 8 10 5 C 420739 Northumberland, Borough of 10/1/07 10/1/07 8 10 5 C 421024 Penn, Township of 10/1/07 10/1/07 8 10 5 C 421026 Point, Township of 10/1/07 10/1/10 10 0 0 R 425387 Selinsgrove, Borough of 10/1/07 10/1/07 7 15 5 C 421101 Shaler, Township of 10/1/94 10/1/04 8 10 5 C 420743 Sunbury, City of 10/1/07 10/1/07 8 10 5 C 420834 Union, Township of 10/1/93 10/1/98 10 0 0 R 420372 Upper Allen, Township of 10/1/92 10/1/97 10 0 0 R 420745 Upper Augusta, Township of 10/1/07 10/1/07 8 10 5 C 421119 Upper St. Clair, Township of 10/1/98 10/1/09 7 15 5 C 420631 Wilkes-Barre, City ofRhode Island 10/1/92 05/1/08 7 15 5 C 445401 Middletown, Town of 10/1/91 04/1/00 8 10 5 C 445402 Narragansett, Town of 10/1/92 10/1/07 8 10 5 C 445404 North Kingstown, Town of 10/1/93 10/1/93 9 5 5 C 440022 Pawtucket, City of 10/1/02 10/1/07 10 0 0 R South Carolina 450002 Aiken County 10/1/93 10/1/93 9 5 5 C 450262 Awendaw, Town of 10/1/96 10/1/05 6 20 10 C 450026 Beaufort, City of 10/1/92 05/1/08 8 10 5 C 450025 Beaufort County 10/1/91 10/1/07 7 15 5 C 450029 Berkeley County 05/1/08 05/1/08 9 5 5 C CRS 24 October 1, 2010 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY DATE CURRENT EFFECTIVE DATE CURRENT CLASS % DISCOUNT FOR SFHA1 % DISCOUNT FOR NON-SFHA2 STATUS3 South Carolina (continued) 450131 Cayce, City of 05/1/10 05/1/10 9 5 5 C 455412 Charleston, City of 10/1/93 05/1/05 7 15 5 C 455413 Charleston County 10/1/95 05/1/10 4 30 10 C 450056 Colleton County 05/1/05 05/1/07 7 15 5 C 455414 Edisto Beach,Town of 10/1/92 10/1/96 8 10 5 C 450078 Florence, City of 10/1/91 10/1/10 7 15 5 C 450076 Florence County 05/1/10 05/1/10 9 5 5 C 455415 Folly Beach, Township of 10/1/96 10/1/01 8 10 5 C 450087 Georgetown, City of 10/1/93 10/1/03 8 10 5 C 450085 Georgetown County 05/1/10 05/1/10 8 10 5 C 450091 Greenville, City of 10/1/91 10/1/04 7 15 5 C 450089 Greenville County 10/1/93 10/1/03 8 10 5 C 450250 Hilton Head Island, Town of 10/1/91 05/1/10 5 25 10 C 450037 Hollywood, Town of 10/1/10 10/1/10 6 20 10 C 450104 Horry County 10/1/10 10/1/10 9 5 5 C 455416 Isle of Palms, City of 10/1/94 10/1/04 7 15 5 C 450257 Kiawah Island, Town of 10/1/96 10/1/00 6 20 10 C 450129 Lexington County 10/1/91 10/1/07 8 10 5 C 450039 McClellanville, Town of 10/1/00 10/1/10 6 20 10 C 450040 Meggett, City of 10/1/96 10/1/05 6 20 10 C 455417 Mount Pleasant, City of 10/1/94 10/1/10 6 20 10 C 450109 Myrtle Beach, City of 10/1/91 05/1/03 5 25 10 C 450042 North Charleston, City of 05/1/03 10/1/07 7 15 5 C 450110 North Myrtle Beach, Town of 10/1/91 10/1/97 7 15 5 C 450255 Pawley’s Island, Town of 10/1/05 10/1/09 6 20 10 C 450166 Pickens County 04/1/99 05/1/04 8 10 5 C 450043 Ravenel, Town of 10/1/96 10/1/05 6 20 10 C 450170 Richland County 10/1/95 10/1/10 8 10 5 C 450249 Rockville, Town of 10/1/98 10/1/05 6 20 10 C 450256 Seabrook Island, Town of 10/1/95 10/1/00 6 20 10 C 455418 Sullivans Island, Town of 05/1/04 10/1/10 6 20 10 C 450184 Sumter, City of 10/1/92 10/1/92 9 5 5 C 450182 Sumter County 10/1/92 10/1/92 9 5 5 C 450111 Surfside Beach, Town of 10/1/10 10/1/10 9 5 5 C 450193 York County South Dakota 10/1/09 10/1/09 9 5 5 C 465420 Rapid City, City of 10/1/92 10/1/02 8 10 5 C Tennessee 470211 Athens, City of 10/1/93 10/1/09 8 10 5 C 470182 Bristol, City of 05/1/06 10/1/07 8 10 5 C 470176 Carthage, City of 10/1/92 10/1/02 8 10 5 C 475425 Elizabethton, City of 10/1/93 10/1/93 9 5 5 C 470105 Fayetteville, City of 10/1/92 10/1/93 10 0 0 R 475426 Gatlinburg, City of 10/1/93 10/1/09 8 10 5 C 470059 Humboldt, City of 10/1/93 10/1/96 10 0 0 R 470184 Kingsport, City of 10/1/92 10/1/97 10 0 0 R 475433 Knox County 10/1/02 10/1/02 9 5 5 C 475434 Knoxville, City of 10/1/92 10/1/06 8 10 5 C CRS 25 October 1, 2010 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY DATE CURRENT EFFECTIVE DATE CURRENT CLASS % DISCOUNT FOR SFHA1 % DISCOUNT FOR NON-SFHA2 STATUS3 Tennessee (continued) 470070 Morristown, City of 10/1/92 10/1/93 10 0 0 R 470040 Nashville, City of & Davidson County 10/1/91 10/1/06 8 10 5 C 470100 Ripley, Town of 10/1/91 10/1/96 10 0 0 R 475448 Spring City, Town of 10/1/92 10/1/97 10 0 0 R 470204 Williamson County Texas 10/1/08 10/1/08 9 5 5 C 485454 Arlington, City of 10/1/91 10/1/10 7 15 5 C 480624 Austin, City of 10/1/91 05/1/10 6 20 10 C 481193 Bastrop County 10/1/04 10/1/04 8 10 5 C 485456 Baytown, City of 10/1/91 05/1/06 6 20 10 C 485457 Beaumont, City of 10/1/08 10/1/08 8 10 5 C 480289 Bellaire, City of 10/1/93 10/1/08 8 10 5 C 480586 Benbrook, City of 10/1/91 10/1/06 6 20 10 C 480878 Bevil Oaks, City of 05/1/10 05/1/10 8 10 5 C 480082 Bryan, City of 10/1/95 05/1/08 7 15 5 C 485459 Burleson, City of 10/1/91 05/1/07 8 10 5 C 480167 Carrollton, City of 10/1/91 10/1/01 7 15 5 C 485462 Cleburne, City of 10/1/92 10/1/92 9 5 5 C 480083 College Station, City of 05/1/10 05/1/10 7 15 5 C 480484 Conroe, City of 10/1/92 05/1/02 7 15 5 C 480170 Coppell, City of 10/1/93 10/1/08 7 15 5 C 485464 Corpus Christi, City of 10/1/91 10/1/91 9 5 5 C 480171 Dallas, City of 10/1/91 05/1/02 7 15 5 C 480291 Deer Park, City of 10/1/00 10/1/00 9 5 5 C 480194 Denton, City of 10/1/91 05/1/07 6 20 10 C 480774 Denton County 10/1/92 10/1/93 10 0 0 R 480173 Duncanville, City of 10/1/91 10/1/01 8 10 5 C 480214 El Paso, City of 10/1/91 10/1/91 9 5 5 C 485468 Friendswood, City of 10/1/91 10/1/03 5 25 10 C 485471 Garland, City of 10/1/91 10/1/97 7 15 5 C 485472 Grand Prairie, City of 10/1/91 10/1/10 6 20 10 C 480266 Guadalupe County 05/1/09 05/1/09 8 10 5 C 480287 Harris County 05/1/04 05/1/04 8 10 5 C 480296 Houston, City of 05/1/02 10/1/09 5 25 10 C 480601 Hurst, City of 10/1/92 10/1/02 8 10 5 C 485481 Kemah, City of 10/1/92 10/1/00 5 25 10 C 485487 LaPorte, City of 10/1/99 10/1/99 8 10 5 C 485488 League City, City of 10/1/92 10/1/92 9 5 5 C 480195 Lewisville, City of 10/1/91 10/1/96 7 15 5 C 480043 Live Oak, City of 05/1/10 05/1/10 7 15 5 C 480452 Lubbock, City of 10/1/92 10/1/93 8 10 5 C 480477 Midland, City of 10/1/92 10/1/94 8 10 5 C 480304 Missouri City, City of 05/1/10 05/1/10 7 15 5 C 485491 Nassau Bay, City of 10/1/92 05/1/09 7 15 5 C 480607 North Richland Hills, City of 10/1/91 05/1/09 6 20 10 C 480206 Odessa, City of 10/1/92 10/1/08 7 15 5 C 480307 Pasadena, City of 10/1/91 05/1/10 7 15 5 C 480077 Pearland, City of 05/1/05 10/1/10 7 15 5 C 480140 Plano, City of 10/1/92 10/1/08 5 25 10 C CRS 26 October 1, 2010 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY DATE CURRENT EFFECTIVE DATE CURRENT CLASS % DISCOUNT FOR SFHA1 % DISCOUNT FOR NON-SFHA2 STATUS3 Texas (continued) 485499 Port Arthur, City of 10/1/91 10/1/91 9 5 5 C 480184 Richardson, City of 10/1/91 10/1/97 8 10 5 C 485505 San Marcos, City of 10/1/92 10/1/02 7 15 5 C 485507 Seabrook, City of 10/1/02 10/1/02 9 5 5 C 480234 Sugar Land, City of 05/1/10 05/1/10 7 15 5 C 481127 Sunset Valley, City of 05/1/10 05/1/10 8 10 5 C 480502 Sweetwater, City of 10/1/91 05/1/08 9 5 5 C 485513 Taylor Lake Village, City of 10/1/96 05/1/02 8 10 5 C 481585 Tiki Island, Village of 10/1/01 05/1/06 8 10 5 C 480662 Wichita Falls, City of Utah 10/1/91 10/1/07 8 10 5 C 490039 Bountiful, City of 10/1/91 10/1/91 9 5 5 C 490074 Cedar City, City of 10/1/94 10/1/96 10 0 0 R 490040 Centerville, City of 05/1/02 10/1/08 7 15 5 C 490019 Logan, City of 10/1/93 10/1/03 8 10 5 C 490072 Moab, City of 04/1/01 10/1/06 8 10 5 C 490214 North Ogden, City of 10/1/93 10/1/08 9 5 5 C 490216 Orem, City of 10/1/93 05/1/08 7 15 5 C 490159 Provo, City of 10/1/91 10/1/96 8 10 5 C 490178 Santa Clara, Town of 10/1/95 10/1/95 9 5 5 C 490177 St. George, City of 10/1/94 05/1/04 7 15 5 C 490052 West Bountiful, City of Vermont 10/1/96 10/1/96 9 5 5 C 500013 Bennington, Town of 10/1/93 10/1/93 9 5 5 C 500126 Brattleboro, Town of 10/1/91 10/1/91 9 5 5 C 505518 Montpelier, City of Virginia 10/1/98 10/1/98 9 5 5 C 510001 Accomack County 10/1/92 10/1/96 8 10 5 C 515519 Alexandria, City of 10/1/92 10/1/09 7 15 5 C 515520 Arlington County 10/1/92 10/1/08 8 10 5 C 510134 Bridgewater, Town of 10/1/96 05/1/06 8 10 5 C 510106 Cape Charles, Town of 05/1/10 05/1/10 9 5 5 C 510002 Chincoteague, City of 10/1/00 10/1/03 8 10 5 C 515525 Fairfax County 10/1/93 05/1/09 7 15 5 C 510054 Falls Church, City of 05/1/07 05/1/07 8 10 5 C 510071 Gloucester County 10/1/95 10/1/95 9 5 5 C 510201 James City County 10/1/92 05/1/10 8 10 5 C 510090 Loudoun County 10/1/92 05/1/03 10 0 0 R 510104 Norfolk, City of 10/1/92 10/1/92 9 5 5 C 510183 Poquoson, City of 10/1/92 10/1/97 9 5 5 C 515529 Portsmouth, City of 10/1/92 10/1/00 9 5 5 C 510119 Prince William County 10/1/96 10/1/01 8 10 5 C 510130 Roanoke, City of 10/1/96 10/1/08 7 15 5 C 510190 Roanoke County 10/1/91 10/1/06 8 10 5 C 510053 Vienna, Town of 10/1/96 10/1/96 9 5 5 C 510005 Wachapreague, Town of 10/1/96 10/1/96 9 5 5 C 510182 York County 10/1/05 10/1/10 8 10 5 C CRS 27 October 1, 2010 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY DATE CURRENT EFFECTIVE DATE CURRENT CLASS % DISCOUNT FOR SFHA1 % DISCOUNT FOR NON-SFHA2 STATUS3 Washington 530073 Auburn, City of 10/1/92 05/1/08 5 25 10 C 530074 Bellevue, City of 10/1/92 05/1/06 5 25 10 C 530153 Burlington, City of 10/1/94 10/1/09 5 25 10 C 530103 Centralia, City of 10/1/94 10/1/09 5 25 10 C 530104 Chehalis, City of 10/1/94 05/1/10 5 25 10 C 530024 Clark County 10/1/04 10/1/09 5 25 10 C 530051 Ephrata, City of 10/1/00 05/1/10 7 15 5 C 530200 Everson, City of 10/1/94 10/1/09 7 15 5 C 530140 Fife, City of 05/1/06 10/1/09 5 25 10 C 530166 Index, Town of 04/1/98 05/1/08 6 20 10 C 530079 Issaquah, City of 10/1/92 05/1/08 5 25 10 C 530080 Kent, City of 05/1/10 05/1/10 6 20 10 C 530071 King County 10/1/91 10/1/07 2 40 10 C 530156 La Conner, Town of 10/1/96 10/1/97 8 10 5 C 530102 Lewis County 10/1/94 10/1/99 7 15 5 C 530316 Lower Elwha/Klallam Tribe 10/1/00 10/1/10 8 10 5 C 530331 Lummi Nation 05/1/10 05/1/10 8 10 5 C 530169 Monroe, City of 10/1/91 05/1/06 5 25 10 C 530158 Mount Vernon, City of 05/1/97 10/1/07 7 15 5 C 530085 North Bend, City of 10/1/95 05/1/06 6 20 10 C 530143 Orting, City of 05/1/08 10/1/09 6 20 10 C 530138 Pierce County 10/1/95 05/1/08 3 35 10 C 530088 Renton, City of 10/1/94 10/1/09 6 20 10 C 530151 Skagit County 04/1/98 10/1/08 4 30 10 C 535534 Snohomish County 05/1/06 10/1/10 4 30 10 C 530090 Snoqualmie, City of 10/1/92 05/1/02 5 25 10 C 530173 Sultan, City of 10/1/03 05/1/08 7 15 5 C 530204 Sumas, City of 10/1/93 05/1/08 7 15 5 C 530188 Thurston County 10/1/00 10/1/00 5 25 10 C 530193 Wahkiakum County 10/1/07 10/1/07 8 10 5 C 530067 Westport, City of 10/1/09 10/1/09 6 20 5 C 530198 Whatcom County 10/1/96 10/1/06 6 20 10 C 530217 Yakima County West Virginia 10/1/07 10/1/07 8 10 5 C 540199 Buckhannon, City of 05/1/07 05/1/07 8 10 5 C 540065 Jefferson County 10/1/06 10/1/06 9 5 5 C 540004 Philippi, City of Wisconsin 05/1/03 05/1/03 8 10 5 C 550001 Adams County 10/1/91 05/1/07 8 10 5 C 550612 Allouez, Village of 10/1/92 10/1/02 7 15 5 C 550128 Eau Claire, City of 10/1/91 10/1/08 7 15 5 C 550578 Elm Grove, Village of 04/1/01 10/1/06 6 20 10 C 550366 Evansville, City of 05/1/10 05/1/10 7 15 5 C 550022 Green Bay, City of 10/1/91 10/1/01 7 15 5 C 555562 La Crosse, City of 10/1/91 10/1/02 8 10 5 C 550085 Mazomanie, Village of 10/1/91 10/1/91 9 5 5 C 550487 New Berlin, City of 10/1/05 05/1/10 7 15 5 C 550310 Ozaukee County 10/1/91 10/1/07 8 10 5 C 550660 Suamico, Village of 05/1/08 05/1/08 8 10 5 C CRS 28 October 1, 2010 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY DATE CURRENT EFFECTIVE DATE CURRENT CLASS % DISCOUNT FOR SFHA1 % DISCOUNT FOR NON-SFHA2 STATUS3 Wisconsin (continued) 550107 Watertown, City of 10/1/91 10/1/07 7 15 5 C 550108 Waupun, City of 10/1/91 10/1/01 8 10 5 C 550537 Winnebago County Wyoming 10/1/91 10/1/01 8 10 5 C 560037 Casper, City of 10/1/00 10/1/00 9 5 5 C 560030 Cheyenne, City of 05/1/03 05/1/03 7 15 5 C 560013 Douglas, City of 10/1/93 10/1/10 8 10 5 C 560029 Laramie County 05/1/03 05/1/03 8 10 5 C 560085 Park County 10/1/91 10/1/96 10 0 0 R 560044 Sheridan, City of Puerto Rico 10/1/95 10/1/95 9 5 5 C 720101 Ponce, Municipality of 10/1/09 10/1/09 9 5 5 C 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded CRS 29 October 1, 2010 applicant for flood insurance that the company will accept the risk. Countywide Map. A Flood Insurance Rate Map that shows flooding information for the entire geographic area of a county, including the incorporated communities within the county. Crawlspace. An under-floor space that has its interior floor area (finished or not) no more than 5 feet below the top of the next higher floor. Crawlspaces generally have solid perimeter foundation walls. See diagram 8 in the Elevation Certificate Instructions. Date of Construction. The date that the building permit was issued, provided the actual start of construction, repair, reconstruction, or improvement was within 180 days of the permit date. Declarations Page. A computer-generated summary of information provided by the prospective policyholder in the application for flood insurance. The Declarations Page also describes the term of the policy and the limits of coverage and displays the premium and the insurer’s name. The Declarations Page is a part of the flood insurance policy. Deductible Buyback. The option whereby, for an additional premium, policyholders who wish to reduce their deductibles from the standard deductibles of $1,000 per building loss and per contents loss for Pre-FIRM risks may purchase separate $500 deductibles for building and contents coverages. Described Location. The location where the insured building or personal property is found. The described location is shown on the Declarations Page. Diagram Number. Any of the numbers used in the instructions to the NFIP Elevation Certificate to identify the diagrams of the main types of buildings. Direct Physical Loss By or From Flood. Loss or damage to insured property, directly caused by a flood. There must be evidence of physical changes to the property. Doublewide Manufactured (Mobile) Home. A manufactured (mobile) home that, when assembled as a nonmovable, permanent building, is at least 16 feet wide and has an area within its perimeter walls of at least 600 square feet. Dwelling. A building designed for use as a residence for no more than four families or a single-family unit in a building under the condominium form of ownership. Dwelling Form. See “Standard Flood Insurance Policy–Dwelling Form.” Elevated Building. A building that has no basement and that has its lowest elevated floor raised above ground level by foundation walls, shear walls, posts, piers, pilings, or columns. Solid perimeter foundations walls are not an acceptable means of elevating buildings in V and VE zones. Emergency Program. The initial phase of a community’s participation in the National Flood Insurance Program. During this phase, only limited amounts of insurance are available under the Act. Enclosure. That portion of an elevated building below the lowest elevated floor that is either partially or fully shut in by rigid walls. Erosion. The collapse, undermining, or subsidence of land along the shore of a lake or other body of water. Erosion is a covered peril if it is caused by waves or currents of water exceeding their cyclical levels which result in flooding. Expense Constant. A flat fee formerly charged on each new and renewal policy, the Expense Constant was eliminated effective May 1, 2003, and no longer affects the premium calculation for new and renewal business. However, the Expense Constant may affect the calculation of refunds going back prior to May 1, 2003, for policy cancellations and endorsements. Federal Emergency Management Agency (FEMA). The federal agency under which the National Flood Insurance Program (NFIP) is administered. In March 2003, FEMA became part of the newly created U.S. Department of Homeland Security. Federal Policy Fee. A flat charge that the policyholder must pay on each new or renewal policy to defray certain administrative expenses incurred in carrying out the National Flood Insurance Program. Financial Assistance/Subsidy Arrangement. The arrangement between an insurance company and FEMA to initiate the company’s participation in the Write Your Own (WYO) Program. It establishes the duties of the company and the government. Finished (Habitable) Area. An enclosed area having more than 20 linear feet of finished walls (paneling, etc.) or used for any purpose other than solely for parking of vehicles, building access, or storage. Flood. . A general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties (at least one of which is the policyholder’s property) from: – Overflow of inland or tidal waters; – Unusual and rapid accumulation or runoff of surface waters from any source; or – Mudflow; or . Collapse or subsidence of land along the shore of a lake or similar body of water as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood as defined above. Flood Hazard Boundary Map (FHBM). Official map of a community issued by FEMA, where the boundaries of the flood, mudflow, and related erosion areas having special hazards have been designated. Flood Insurance Claims Office (FICO). An NFIP claims processing office set up in a catastrophe area when a sufficient number of flood claims result from a single event. Flood Insurance Rate Map (FIRM). Official map of a community on which FEMA has delineated both the special hazard areas and the risk premium zones applicable to the community. Flood Response Office (FRO). The FRO provides a local presence in the affected area and supports the WYO companies, the NFIP Servicing Agent, and various federal, state, and local officials in providing answers to claims coverage questions, forms for claims handling, and survey and statistical input. One of the key requirements of personnel at the FRO is to coordinate and conduct reinspections of WYO and NFIP Direct losses. The FRO also tracks adjuster performance and provides such information to interested WYO and NFIP Direct companies. Floodplain. Any land area susceptible to being inundated by flood waters from any source. Floodplain Management. The operation of an overall program of corrective and preventive measures for reducing flood damage, including but not limited to, emergency preparedness plans, flood control works, and floodplain management regulations. Floodproofing. Any combination of structural and nonstructural additions, changes, or adjustments to structures, which reduce or eliminate risk of flood damage to real estate or improved real property, water and sanitation facilities, or structures with their contents. Freeboard. An additional amount of height above the Base Flood Elevation used as a factor of safety (e.g., 2 feet above the Base Flood) in determining the level at which a structure's lowest floor must be elevated or floodproofed to be in accordance with State or community floodplain management regulations. General Property Form. See “Standard Flood Insurance Policy–General Property Form.” Grade Elevation. The lowest or highest finished ground level that is immediately adjacent to the walls of the building. Use natural (pre­construction), ground level, if available, for Zone AO and Zone A (without BFE). Grandfathering. An exemption based on circumstances previously existing. Under the NFIP, buildings located in Emergency Program communities and Pre–FIRM buildings in the Regular Program are eligible for subsidized flood insurance rates. Post–FIRM buildings in the Regular Program built in compliance with the floodplain management regulations in effect at the start of construction will continue to have favorable rate treatment even though higher base flood elevations or more restrictive, greater risk zone designations result from FIRM revisions. Group Flood Insurance. Issued by the NFIP Direct Program in response to a Presidential disaster declaration. Disaster assistance applicants, in exchange for a modest premium, receive a minimum amount of building and/or contents coverage for a 3-year policy period. An applicant may cancel the group policy at any time and secure a regular Standard Flood Insurance Policy through the NFIP. High-Rise Building. High-rise condominium buildings have five or more units and at least three floors excluding enclosure even if it is the lowest floor for rating purposes. An enclosure below an elevated building, even if it is the lowest floor for rating purposes, cannot be counted as a floor to avoid classifying the building as low rise. DEF 4 October 1, 2010 Historic Building. Any building that is: . Listed individually in the National Register of Historic places (a listing maintained by the Department of the Interior) or preliminarily determined by the Secretary of the Interior as meeting the requirements for individual listing on the National Register; or . Certified or preliminarily determined by the Secretary of the Interior as contributing to the historical significance of a registered historic district or a district preliminarily determined by the Secretary to qualify as a registered historic district; or . Individually listed in a state inventory of historic places in states with preservation programs that have been approved by the Secretary of the Interior; or . Individually listed on a local inventory of historic places in communities with historic preservation programs that have been certified either: – By an approved state program as determined by the Secretary of the Interior, or – Directly by the Secretary of the Interior in states without approved programs. Improvements and Betterments. Fixtures, alterations, installations, or additions made or acquired solely at a tenant’s expense and comprising part of an insured building. Increased Cost of Compliance. Coverage for expenses that a property owner must incur, above and beyond the cost to repair the physical damage the structure actually sustained from a flooding event, to comply with mitigation requirements of State or local floodplain management ordinances or laws. Acceptable mitigation measures are elevation, floodproofing, relocation, demolition, or any combination thereof. Letter of Determination Review (LODR). FEMA’s ruling on the determination made by a lender or third party that a borrower’s building is in a Special Flood Hazard Area (SFHA). A LODR deals only with the location of a building relative to the SFHA boundary shown on the Flood Insurance Rate Map. Letter of Map Amendment (LOMA). An amendment to the currently effective FEMA map which establishes that a property is not located in a Special Flood Hazard Area. A LOMA is issued only by FEMA. Letter of Map Revision (LOMR). An official amendment to the currently effective FEMA map. It is issued by FEMA and changes flood zones, delineations, and elevations. Loss in Progress. A loss that is already inprogress as of 12:01 a.m. on the first day of the policy term; or, as to any increase in the limits of coverage which is requested, a loss that is already in progress when the additional coverage is requested. Lowest Adjacent Grade. The lowest point of the ground level next to the building. Lowest Floor. The lowest floor of the lowest enclosed area (including a basement). An unfinished or flood-resistant enclosure, usable solely for parking of vehicles, building access, or storage in an area other than a basement area, is not considered a building's lowest floor provided that such enclosure is not built so as to render the structure in violation of requirements. Lowest Floor Elevation (LFE). The measured distance of a building’s lowest floor above the National Geodetic Vertical Datum (NGVD) or other datum specified on the FIRM for that location. Low-Rise Building. Low-rise condominium buildings have fewer than five units regardless of the number of floors or five or more units with fewer than three floors including basement. All townhouses/rowhouses, regardless of the number of floors or units, and all single-family detached condominium buildings are classified as low rise. An enclosure below an elevated building, even if it is the lowest floor for rating purposes, cannot be counted as a floor to avoid classifying the building as low rise. Mandatory Purchase. Under the provisions of the Flood Disaster Protection Act of 1973, individuals, businesses, and others buying, building, or improving property located in identified areas of special flood hazards within participating communities are required to purchase flood insurance as a prerequisite for receiving any type of direct or indirect federal financial assistance (e.g., any loan, grant, guaranty, insurance, payment, subsidy, or disaster assistance) when the building or personal property is the subject of or security for such assistance. Manufactured (Mobile) Home. A structure built on a permanent chassis, transported to its site in one or more sections, and affixed to a permanent foundation. “Manufactured (mobile) home” does not include recreational vehicles. Manufactured (Mobile) Home Park or Subdivision, Existing. A manufactured (mobile) home park or subdivision for which the construction of facilities for servicing the lots on which the manufactured (mobile) homes are to be affixed (including, at a minimum, the installation of utilities, the construction of streets, and either final site grading or the pouring of concrete pads) is completed on or before December 31, 1974, or before the effective date of the community’s initial FIRM, whichever is later. Manufactured (Mobile) Home Park or Subdivision, Expansion to Existing Site. The preparation of additional sites by the construction of facilities for servicing the lots on which manufactured (mobile) homes are to be affixed (including the installation of utilities, the construction of streets, and either final site grading or the pouring of concrete pads). Manufactured (Mobile) Home Park or Subdivision, New. A manufactured (mobile) home park or subdivision for which the construction of facilities for servicing the lots on which the manufactured (mobile) homes are to be affixed (including, at a minimum, the installation of utilities, the construction of streets, and either final site grading or the pouring of concrete pads) is completed after December 31, 1974, or on or after the effective date of the community’s initial FIRM, whichever is later. Map Revision. A change in the FHBM or FIRM for a community which reflects revised zone, base flood, or other information. Modular Building. A building that is usually transported to its site on a steel frame or special trailer because it does not have a permanent chassis like a manufactured (mobile) home. A modular building is classified and rated under one of the other building types. Mortgage Portfolio Protection Program(MPPP). A program designed to help lending institutions maintain compliance with the Flood Disaster Protection Act of 1973, as amended. Policies written under the MPPP can be placed only through a WYO Company. Mudflow. A river of liquid and flowing mud on the surfaces of normally dry land areas, as when earth is carried by a current of water. Other earth movements, such as landslide, slope failure, or a saturated soil mass moving by liquidity down a slope, are not mudflows. National Flood Insurance Program (NFIP). The program of flood insurance coverage and floodplain management administered under the Act and applicable Federal regulations promulgated in Title 44 of the Code of Federal Regulations, Subchapter B. National Geodetic Vertical Datum (NGVD) of1929. National standard reference datum for elevations, formerly referred to as Mean Sea Level (MSL) of 1929. NGVD 1929 may be used as the reference datum on some FIRMs. Natural Grade. The grade unaffected by construction techniques such as fill, landscaping, or berming. New Construction. Buildings for which the “start of construction” commenced on or after the effective date of an initial FIRM or after December 31, 1974, whichever is later, including any subsequent improvements. NFIP Bureau and Statistical Agent. A corporation, partnership, association, or any other organized entity that contracts with the Federal Emergency Management Agency to be the focal point of support operations for the NFIP. NFIP Servicing Agent. A corporation, partnership, association, or any other organized entity that contracts with the Federal Emergency Management Agency to service insurance policies as direct business. NFIP Special Direct Facility (SDF). Formed in 2000, a branch of the NFIP Servicing Agent to which WYO companies transfer renewals for identified Severe Repetitive Loss properties so that mitigation assistance can be offered to the policyholders. North American Vertical Datum (NAVD) of1988. The vertical control datum established for vertical control surveying in the United States of America based upon the General Adjustment of the North American Datum of 1988. It replaces the National Geodetic Vertical Datum of 1929. Non-Residential. Includes, but is not limited to: small business concerns, churches, schools, farm buildings (including grain bins and silos), poolhouses, clubhouses, recreational buildings, mercantile structures, agricultural and industrial structures, warehouses, hotels and motels with normal room rentals for less than 6 months’ duration, and nursing homes. Nullification. The act of declaring an insurance contract invalid from its inception so that, from a legal standpoint, the insurance contract never existed. Other Residential. Hotels or motels where the normal occupancy of a guest is 6 months or more; a tourist home or rooming house which has more than four roomers. A residential building (excluding hotels and motels with normal room rentals for less than 6 months’ duration) containing more than four dwelling units. Incidental occupancies such as office, professional private school, or studio occupancy, are permitted if the total area of such incidental occupancies is limited to less than 25 percent of the total floor area within the building. Out-As-Shown Determination. An alternative outcome of the FEMA Letter of Map Amendment (LOMA) review process stating that a specific property is located outside the Special Flood Hazard Area as indicated on the Flood Hazard Boundary Map or Flood Insurance Rate Map. Participating Community. A community for which FEMA has authorized the sale of flood insurance under the NFIP. Policy. The entire written contract between the insured and the insurer. It includes: . The printed policy form; . The application and Declarations Page; . Any endorsement(s) that may be issued; and . Any renewal certificate indicating that coverage has been instituted for a new policy and new policy term. Only one dwelling, specifically described by the prospective policyholder in the application, may be insured under a policy. Pollutants. Substances that include, but are not limited to, any solid, liquid, gaseous, or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals, and waste. “Waste” includes, but is not limited to, materials to be recycled, reconditioned, or reclaimed. Ponding Hazard. A flood hazard that occurs in flat areas when there are depressions in the ground that collect “ponds” of water. The ponding hazard is represented by the zone designation AH on the FIRM. Post-FIRM Building. A building for which construction or substantial improvement occurred after December 31, 1974, or on or after the effective date of an initial Flood Insurance Rate Map (FIRM), whichever is later. Pre-FIRM Building. A building for which construction or substantial improvement occurred on or before December 31, 1974, or before the effective date of an initial Flood Insurance Rate Map (FIRM). Preferred Risk Policy (PRP). A policy that offers fixed combinations of building/ contents coverage or contents-only coverage at modest, fixed premiums. The PRP is available for property located in B, C, and X Zones in Regular Program communities that meets eligibility requirements based on the property’s flood loss history. Prepaid Amount (Total). The total amount that must be submitted with an application or renewal in order to be acceptable for coverage. It is determined by adding the Federal Policy Fee to the Total Prepaid Premium. Prepaid Premium (Total). The amount on the application (excluding the Preferred Risk Application) that includes the Annual Subtotal, the ICC Premium, the CRS Premium Discount (if applicable), and the Probation Surcharge (if applicable). Presentment of Payment (Premium). The date of the check or credit card payment by the applicant or applicant’s representative if the premium payment is not part of a loan closing, or the date of closing, if the premium payment is part of a loan closing. Principal Residence. A single-family dwelling in which, at the time of loss, the named insured or the named insured’s spouse has lived for either 80 percent of the 365 days immediately preceding the loss, or 80 percent of the period of ownership, if less than 365 days. Principally Above Ground Building. A building that has at least 51 percent of its actual cash value, including machinery and equipment, above ground. Probation. A FEMA-imposed change in a community’s status resulting from violations and deficiencies in the administration and enforcement of NFIP local floodplain management regulations. Probation Surcharge (Premium). A flat charge that the policyholder must pay on each new or renewal policy issued covering property in a community that the NFIP has placed on probation under the provisions of 44 CFR 59.24. Proper Openings – Enclosures (Applicable to Zones A, A1-A30, AE, AO, AH, AR, and AR Dual). All enclosures 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. A minimum of two openings, with positioning on at least two walls, having a total net area of not less than 1 square inch for every square foot of enclosed area subject to flooding must be provided. 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. Property Removed to Safety Expense. Up to $1,000 of reasonable expenses incurred by the insured to temporarily remove insured property from the described location because of flood or the imminent danger of flood. Provisional Rating. A method for placing flood coverage prior to the receipt of a FEMA Elevation Certificate. Regular Program. The final phase of a community’s participation in the National Flood Insurance Program. In this phase, a Flood Insurance Rate Map is in effect and full limits of coverage are available under the Act. Regular Program Community. A community wherein a FIRM is in effect and full limits of coverage are available under the Act. Repetitive Loss Structure. An NFIP-insured structure that has had at least two paid flood losses of more than $1,000 each in any 10-year period since 1978. Replacement Cost Value (RCV). The cost to replace property with the same kind of material and construction without deduction for depreciation. Residential Condominium Building. A building, owned and administered as a condo­minium, containing one or more family units and in which at least 75 percent of the floor area is residential. Residential Condominium Building Association Policy (RCBAP). See “Standard Flood Insurance Policy–Residential Condomin­ium Building Association Policy (RCBAP).” Scheduled Building Policy. A policy that requires a specific amount of insurance to be designated for each building and its contents. Section 1316. Section of the National Flood Insurance Act of 1968, as amended, which states that no new flood insurance coverage shall be provided for any property that FEMA finds has been declared by a duly constituted state or local zoning authority or other authorized public body to be in violation of state or local laws, regulations, or ordinances that are intended to discourage or otherwise restrict land development or occupancy in flood-prone areas. Severe Repetitive Loss (SRL) Properties. NFIP-insured buildings that, on the basis of paid flood losses since 1978, meet either of the loss criteria described on page SRL 1. SRL properties with policy effective dates of January 1, 2007, and later will be afforded coverage (new business or renewal) only through the NFIP Servicing Agent’s Special Direct Facility so that they can be considered for possible mitigation activities. Shear Walls. Walls used for structural support but not structurally joined or enclosed at the ends (except by breakaway walls). Shear walls are parallel, or nearly parallel, to the flow of the water and can be used in any flood zone. Sheet Flow Hazard. A type of flood hazard with flooding depths of 1 to 3 feet that occurs in areas of sloping land. The sheet flow hazard is represented by the zone designation AO on the FIRM. Single Adjuster Program. A procedure implemented among the NFIP, various wind pools, and WYO Companies to allow one adjuster to represent both carriers in adjusting a combined wind-water loss where the NFIP has the flood coverage and another carrier has the wind coverage. Single Building. A building that is separated from other buildings by intervening clear space or solid, vertical, load-bearing division walls. Single-Family Residence. A residential single-family dwelling. Incidental office, professional, private school, or studio occupancies, including a small service operation, are permitted if such incidental occupancies are limited to less than 50 percent of the building's total floor area. Solid Perimeter Foundation Walls. Walls that are used as a means of elevating a building in A Zones and that must contain sufficient openings to allow for the unimpeded flow of floodwaters more than 1 foot deep. Special Flood Hazard Area (SFHA). An area having special flood, mudflow, or flood-related erosion hazards, and shown on a Flood Hazard Boundary Map or Flood Insurance Rate Map as Zone A, AO, A1-A30, AE, A99, AH, AR, AR/A, AR/AE, AR/AH, AR/AO, AR/A1-A30, V1-V30, VE, or V. For the purpose of determining Community Rating System premium discounts, all AR and A99 zones are treated as non-SFHAs. Split Level. A foundation with a vertical offset in the floor framing on either side of a common wall. Standard Flood Insurance Policy–Dwelling Form. Policy issued to insure a building and/or residential contents on a single-family or a 2-4 family dwelling. Standard Flood Insurance Policy–General Property Form. Policy issued to insure a building and/or contents on other residential or non-residential buildings. Standard Flood Insurance Policy–Residential Condominium Building Association Policy (RCBAP). Policy issued to insure a residential condominium building and all units within the building, provided that the building is located in a Regular Program community and at least 75 percent of the total floor area is residential. Start of Construction. For other than new construction or substantial improvements, under the Coastal Barrier Resources Act, this is the date when the building permit was issued, provided that the actual start of construction, repair, rehabilitation, addition, placement, or other improvement was within 180 days of the permit date. The actual start means either the first placement of permanent construction of a building on site, such as the pouring of a slab or footing, the installation of piles, the construction of columns, or any work beyond the stage of excavation; or the placement of a manufactured (mobile) home on a foundation. For a substantial improvement, actual start of construction means the first alteration of any wall, ceiling, floor, or other structural part of a building, whether or not that alteration affects the external dimensions of the building. Stock. Merchandise held in storage or for sale, raw materials, and in-process or finished goods, including supplies used in their packing or shipping. “Stock” does not include any property not covered under “Section IV. Property Not Covered” of the General Property Form, except the following: . Parts and equipment for self-propelled vehicles; . Furnishings and equipment for watercraft; . Spas and hot-tubs, including their equipment; and . Swimming pool equipment. Subgrade Crawlspace. A crawlspace foundation where the subgrade under-floor area is no more than 5 feet below the top of the next higher floor and no more than 2 feet below the lowest adjacent grade on all sides. Submit-for-Rate. An application for flood insurance on a building for which no risk rate is published in the Flood Insurance Manual. Insurance coverage can be obtained only after the NFIP has approved the application and has established the risk premium rate. Substantial Damage. Damage of any origin sustained by a building whereby the cost of restoring the building to its before-damaged condition would equal or exceed 50 percent of the market value of the building before the damage occurred. Substantial Improvement. Any reconstruction, rehabilitation, addition, or other improvement of a building, the cost of which equals or exceeds 50 percent of the market value of the building before the “start of construction” of the improvement. Substantial improvement includes buildings that have incurred “substantial damage,” regardless of the actual repair work performed. The term does not, however, include either any project for improvement of a building to correct existing state or local code violations or any alteration to a “historic building,” provided that the alteration will not preclude the building’s continued designation as a “historic building.” Suspension. FEMA’s removal of an NFIP participating community from the Program because the community has not enacted and/or enforced the proper floodplain management regulations required for participation. Tentative Rates. Unpublished NFIP rates used to issue policies for applications that fail to provide the NFIP with valid actuarial rating information. Travel Trailer. Under the NFIP, a travel trailer can be considered a building only if it is without wheels, built on a chassis and affixed to a permanent foundation, and regulated under the community’s floodplain management and building ordinances or laws. 2- to 4-Family Residence. A residential building (excluding hotels and motels with normal room rentals for less than 6 months’ duration) containing no more than four dwelling units. Incidental occupancies such as office, professional, private school, or studio space are permitted if the total area of such occupancies is limited to less than 25 percent of the total floor area within the building. Underground Building. A building for which 50 percent or more of the actual cash value, including machinery and equipment that are part of the building, is below ground. Unfinished Area. An enclosed area that is used only for the parking of vehicles, building access, or storage purposes and that does not meet the definition of a finished (habitable) area. Drywall used for fire protection is permitted in unfinished areas. Unit. A single-family unit owned by the policyholder in a condominium building. Valued Policy. A policy in which the insured and the insurer agree on the value of the property insured, that value being payable in the event of a total loss. The Standard Flood Insurance Policy is not a valued policy. Variance. A grant of relief by a participating community from the terms of its floodplain management regulations. Waiting Period. The time between the date of application and the policy effective date. Walled and Roofed. A building that has two or more exterior rigid walls and a fully secured roof and that is affixed to a permanent site. Wave Height Adjustment. A measurement that is added to the base flood elevation for V Zones shown on the Flood Insurance Rate Map published prior to 1981. For coastal communities, the base flood elevation shown on Flood Insurance Rate Maps published prior to 1981 are still-water elevations, which include only the effects of tide and storm surge, and not the height of wind-generated waves. Write Your Own (WYO) Program. A cooperative undertaking of the insurance industry and the Federal Emergency Management Agency begun in October 1983. The WYO Program operates within the context of the NFIP and involves private insurance carriers who issue and service National Flood Insurance Program policies. Zone. A geographical area shown on a Flood Hazard Boundary Map or a Flood Insurance Rate Map that reflects the severity or type of flooding in the area. INDEX A ABOVE GROUND BUILDING, PRINCIPALLY ... GR 3, DEF 7 ACT........................................................ REF 1, GR 7, DEF 1 ACTUAL CASH VALUE (ACV) ..................................... DEF 1 ADDITIONS AND EXTENSIONS (TO BUILDING) .............................................. GR 5, RATE 16 ADJUSTER CONTROL OFFICE ........................ CL 3, DEF 1 ALTERNATIVE RATES ................ RATE 21, END 1-2, DEF 1 ANCHORED ................................................... GR 3-4, DEF 1 APPLICATION ........................................... GR 15, APP 1-13, CONDO 8-9, PRP 7-10, DEF 1 Binder or Certificate of Insurance................... GR 8, DEF 1 Flood Insurance Application Form .................... APP 11-13 Incomplete/Incorrect Applications ............................ APP 9 Mailing Instructions ................................... GR 8, 14, APP 8 APPURTENANT STRUCTURE .......................... GR 3, DEF 1 ASSESSMENT COVERAGE ............ GR 13, 14, CONDO 7-8 ASSIGNMENT OF POLICY .............. GR 15, MPPP 6, DEF 1 B BASE FLOOD ............................................................... DEF 1 BASE FLOOD DEPTH................................. RATE 18, DEF 1 BASE FLOOD ELEVATION (BFE) ........ GR 15, RATE 17-23, MAP 2, 3, DEF 1 BASEMENT ............... APP 1, 3, RATE 25, CERT 3-6, DEF 1 BINDER OR CERTIFICATE OF INSURANCE ... GR 8, DEF 1 BLANKET INSURANCE ............................................... DEF 1 BOATHOUSES ............................................................... GR 4 BREAKAWAY WALLS ....................... GR 5, RATE 20, DEF 1 BUILDING................................. GR 3-7, 6-7, APP 3-4, DEF 1 Additions and Extensions ......................... GR 5, RATE 16 Building Coverage Limits ........................................ RATE 1 Building in the Course of Construction ................... GR 4-5, APP 6, CONDO 6-7, DEF 2 Buildings in More Than One Flood Zone................. GR 15, RATE 17 Building on Fill ............................................................ PR 2 Building Over Water ............................................... GR 4, 7 Building Partially Underground................................... GR 7 Container-Type Building............................................. GR 7 Contents ....................... GR 6, 7, 8, APP 4, RATE 1, 26-29 Elevated Building ..................................... APP 1, 4, 5, 6, 8, RATE 19-21, DEF 3 Floodproofed Building ...... RATE 31-32, CERT 3-4, DEF 4 Manufactured (Mobile) Home/Travel Trailer ........... GR 3-4, APP 1, 4, 5, 8, RATE 15, 16, PR 1, DEF 3, 5, 9 Section 1316................................................... GR 7, DEF 8 Single Building................................................ GR 5, DEF 8 Start of Construction ........................... RATE 15-16, DEF 9 Substantial Improvement ........ APP 5, RATE 15-16, DEF 9 Types of Buildings ................... APP 1, 3-8, CONDO 6, 8-9 BUILDING DIAGRAMS 1-9.................. LFG 4-7, CERT 23-25 BUILDING DRAWINGS ........................................... LFG 8-68 BUILDING OCCUPANCY ............................................ GR 5-6 BUSINESS ANALYST, WYO ........................................ REF 2 C CANCELLATION/NULLIFICATION .......... CONDO 8, PRP 6, MPPP 6, CN 1-11, DEF 2, 6 Cancellation/Nullification Request Form ............. CN 10-11 Form Completion ........................................................ CN 8 Processing Outcomes Table ...................................... CN 9 Valid Reason Codes for Cancellation/Nullification .. CN 1-7 Refunds................................................................... CN 1-8 CERTIFICATIONS ................................................ CERT 1-42 CISTERNS ..................................................... GR 4, 6, DEF 2 CLAIMS ........................................................................ CL 1-5 Appealing a Claim .................................................... CL 1-3 Filing a Claim .............................................................. CL 1 Increased Cost of Compliance (ICC) Claims ........... CL 4-5 Insured's Responsibilities ........................................ CL 1-3 Producer's Responsibilities...................................... CL 3,4 Single Adjuster Program .............................. CL 3-4, DEF 8 Training ....................................................................... CL 4 CLAIMS COORDINATING OFFICE (CCO)......... CL 4, DEF 2 CLOSED BASIN LAKE ....................................... CN 7, DEF 2 COASTAL BARRIER..................................................... DEF 2 COASTAL BARRIER RESOURCES SYSTEM (CBRS) .................................... CBRS 1-12, DEF 2 Coastal Barrier Improvement Act of 1990 (CBIA) ........................................CBRS 1, DEF 2 Coastal Barrier Resources Act of 1982 (CBRA) .......................... GR 1, CBRS 1, DEF 2 List of CBRS Communities ................................ CBRS 3-12 COASTAL HIGH HAZARD AREA ........... RATE 30-31, DEF 2 COINSURANCE ......................................... CONDO 7, DEF 2 COMMERCIAL CONTENTS ........................ GR 6, CONDO 2 COMMISSION, PRODUCER’S ...GR 15-16, CONDO 8, CN 8 COMMON INTERIOR WALLS ....................................... GR 5 COMMUNITY (See also PROBATION and SUSPENSION) .................................... GR 1, APP 2-3, DEF 2 Community Eligibility.................................................. GR 1 Community Number ..................................... APP 3, DEF 2 Community Status..................................................... APP 3 Non-Participating Community ........................ GR 1, APP 3 Participating Community................................ GR 1, DEF 7 Regular Program Community ................................... DEF 8 COMMUNITY RATING SYSTEM (CRS) ...................... APP 7, CRS 1-29, DEF 2 CONDOMINIUM ASSOCIATION ............ CONDO 1-2, DEF 2 CONDOMINIUMS.................................. CONDO 1-31, DEF 2 CONSTRUCTION DATA ........................................... APP 5-6 CONTACT INFORMATION, NFIP............................. REF 3-6 CONTENTS...................... GR 6, 7, 8, APP 4, RATE 1, 26-29 CONTINUOUS LAKE FLOODING .................................. CN 7 CONTRACT AGENT..................................... GR 16, DEF 2-3 COOPERATIVES ........................................................... GR 6 COUNTYWIDE MAP ........................................ MAP 1, DEF 3 COURSE OF CONSTRUCTION.................... GR 4-5, APP 5, CONDO 6-7, DEF 2 COVERAGE ................. GR 12-14, RATE 1-11, CONDO 7- 9, PRP 1, 4-5, MPPP 3-4, END 1 Additional Coverage or Increase in Coverage ......... END 1 Amount of Insurance Available .............................. RATE 1 Building Coverage ............................ GR 3-6, 6-7, RATE 1, CONDO 9, PRP 1, 5-6 Contents Coverage .................... GR 7, 8, APP 4, RATE 1, CONDO 9, PRP 1, 4-5 Contents-Only Coverage ..................RATE 57, PRP 1, 4-5 Limits of Coverage .................................... GR 12, RATE 1, CONDO 7, 9, PRP 1, 4-5, MPPP 3-4 Reduction or Reformation/Removal of Insurance .................... GR 13, END 1, MPPP 5, PR 1 CRAWLSPACE ............................ RATE 25, LFG 2, CERT 2, CONDO 10-18, DEF 3 CREDIT CARD PAYMENT............. APP 7, REN 2, 8, MAP 4 CREDIT CARD PAYMENT FORM........................... REN 2, 8 D DATE OF CONSTRUCTION...... APP 5, RATE 15-16, DEF 3 DECLARATIONS PAGE ............................. MPPP 4-5, DEF 3 DEDUCTIBLE BUYBACK............................. RATE 12, DEF 3 DEDUCTIBLE FACTORS..................... RATE 13, CONDO 22 IND 1 October 1, 2010 DEDUCTIBLES ............................... GR 12, RATE 12, 13, 17, CONDO 8, 22, PRP 2, MPPP 5, END 2 DEFINITIONS .......................................................... DEF 1-10 DESCRIBED LOCATION.............................................. DEF 3 DIAGRAM NUMBER ..................................................... DEF 3 DIRECT PHYSICAL LOSS BY OR FROM FLOOD ...... DEF 3 DIRECT PROGRAM .................................... REF 2, 3, GR 15, APP 8, CONDO 7 DISASTER ASSISTANCE ................. GR 3, APP 2, PRP 1, 7 DOUBLEWIDE MANUFACTURED (MOBILE) HOME ............................................................. APP 1, DEF 3 DUPLICATE POLICIES .............................................. CN 2, 5 DWELLING .................................................................. DEF 3 DWELLING FORM (See also STANDARD FLOOD INSURANCE POLICY) ..... GR 1, 2, CONDO 8, POL 1, 2-21 E EFFECTIVE DATE ........................................ GR 9-12, REN 2 ELEVATED BUILDING (See also LOWEST FLOOR GUIDE).... APP 1, 3, 4, 5, 6, 8, RATE 19-21, DEF 3 ELEVATION CERTIFICATE ............... APP 5-6, LFG 2A, 3-7, CERT 1-3, 11-42 ELEVATION DIFFERENCE.......................... RATE 17-19, 31 ELIGIBLE BUILDINGS.............................. GR 3-6, CONDO 6 ELIGIBLE COMMUNITY (See PARTICIPATING COMMUNITY) ELIGIBLE CONTENTS ................................................... GR 6 EMERGENCY PROGRAM .................. GR 1, RATE 1, DEF 3 ENCLOSURE/ENCLOSED AREA (See also LOWEST FLOOR GUIDE) ............................... APP 1, 3, RATE 19-20, LFG 1-2A, 3, 5, 7, DEF 3 ENDORSEMENT ...................................... GR 11, CONDO 8, PRP 6, MPPP 6, END 1-13, PR 1 Endorsement Processing Prior to Policy Renewal ... END 2-3 Endorsement Rules: Changing Deductibles ............. END 2 Endorsement Rules: Conversion of Standard Rated Policy to PRP Due to Misrating or Map Revision ... END 2 Endorsement Rules: Correcting Property Address .. END 2 Endorsement Rules: Coverage Endorsements ........ END 1 Endorsement Rules: Misrated Policy ....................... END 2 Endorsement Rules: Rating Endorsements ......... END 1-2 Endorsements During Renewal Cycle...................... REN 2 General Change Endorsement Form ............... END 13-14 Preparation of Form ............................................. END 3-4 Rating Examples ................................................ END 5-12 Refund Processing ............................................... END 3-4 ENGINEERED OPENINGS (See PROPER OPENINGS) EQUIPMENT (See MACHINERY AND EQUIPMENT) EROSION ..................................................................... DEF 3 ERRORS, RATING ................................................... END 1-2 EVIDENCE OF INSURANCE ......................................... GR 8 EXPENSE CONSTANT ................................................ DEF 3 F FEDERAL LAND ............................................................. GR 1 FEDERAL POLICY FEE ..... RATE 12, 17, CONDO 8, PRP 2, MPPP 5, DEF 3 FEMA ............................................................ REF 1, SRL 1-2, DEF 1, 2, 3, 4, 5, 6, 7, 9, 10 FHBM (See FLOOD HAZARD BOUNDARY MAP) FICO (See FLOOD INSURANCE CLAIMS OFFICE) FINANCIAL ASSISTANCE/SUBSIDY ARRANGEMENT ..................................... MPPP 2, 6, DEF 3 FINISHED (HABITABLE) AREA ................................... DEF 3 FINISHED BASEMENT ................................................ APP 1 FIRM (See FLOOD INSURANCE RATE MAP) FIRM ZONES............................................................... MAP 2 FLOOD .......................................................................... DEF 4 FLOOD DISASTER PROTECTION ACT OF 1973....................................................... MPPP 1, 3 FLOOD HAZARD BOUNDARY MAP (FHBM)............... GR 1, MAP 1, 2, 4-6, 8, DEF 4 FLOOD INSURANCE CLAIMS OFFICE (FICO) ............ CL 3, DEF 4 FLOOD INSURANCE RATE MAP (FIRM) .................... GR 1, CERT 2, MAP 1, 3, 4-6, 7, DEF 4 FLOOD MAP “GRANDFATHERING” ................. RATE 22-23, PRP 1, DEF 4 FLOOD MAPS ................................................ GR 1, MAP 1-8 Changing or Correcting a Flood Map ....................... MAP 3 Countywide Map .......................................... MAP 1, DEF 3 FEMA Map Assistance Center ................................. MAP 3 FEMA Map Service Center ...................... REF 4, MAP 4, 5 “FIRMettes” .............................................................. MAP 4 General Rule of Rating ........................................ RATE 22 Letter of Map Amendment (LOMA) ....................... CN 6-7, MAP 3, DEF 5 Letter of Map Revision (LOMR) ............................ CN 6-7, MAP 3, DEF 5 Locating a Specific Property ................................. MAP 2-3 Map "Grandfather" Rules ....... RATE 22-24, PRP 1, DEF 4 Map Panel Number ................................................. MAP 1 Map Revision ........................ PRP 2, 6, END 2, CN 3, 5-7, MAP 3, 4, DEF 6 Map Zones (Flood Zones) ....................................... MAP 2 Ordering Information and Prices ....................... MAP 4, 5-6 Physical Map Revision ........................................... MAP 3 FLOOD RESPONSE OFFICE (FRO) ............................ DEF 4 FLOOD VENTS (See PROPER OPENINGS) FLOODPLAIN ................................................................ DEF 4 FLOODPLAIN MANAGEMENT..................................... DEF 4 FLOODPROOFING APP 6, RATE 31-32, CERT 3-10, DEF 4 FLOODPROOFING CERTIFICATE FOR NON-RESIDENTIAL STRUCTURES .................. CERT 9-10 FLOODPROOFING CERTIFICATE, RESIDENTIAL BASEMENT .................................. CERT 7-8 FORCED PLACEMENT (MANDATORY PURCHASE) ........... GR 2, MPPP 2, CN 3, DEF 5 FREEBOARD ................................................................ DEF 4 G GARAGES .......................................................... GR 3, LFG 1 GENERAL CHANGE ENDORSEMENT (See ENDORSEMENT) GENERAL PROPERTY FORM (See also STANDARD FLOOD INSURANCE POLICY)......... GR 1, 2, POL 1, 22-40 GENERAL RULE OF RATING ................................. RATE 22 GENERAL RULES .................................................... GR 1-16 GRADE ELEVATION ..................................................... DEF 4 “GRANDFATHERING” (See FLOOD MAP “GRANDFATHERING”) GROUP FLOOD INSURANCE .......................... GR 3, DEF 4 H HABITABLE AREA (See FINISHED AREA) HISTORIC BUILDING ............................... RATE 15, DEF 4-5 HIGH-RISE BUILDING ............................... CONDO 6, DEF 4 HOMELAND SECURITY, U.S. DEPARTMENT OF .... REF 1, DEF 3 I ICC (See INCREASED COST OF COMPLIANCE) IMPROVEMENTS AND BETTERMENTS........ GR 14, DEF 5 INCIDENTAL OCCUPANCY ....................................... GR 5-6 INCREASED COST OF COMPLIANCE (ICC) COVERAGE .............. GR 12-13, RATE 14, 17, CONDO 21, MPPP 1, CL 4-5, DEF 5 INELIGIBLE COMMUNITY (See NON-PARTICIPATING COMMUNITY) INELIGIBLE PROPERTY ............................................ GR 7-8 INFLATION FACTOR ....................................... GR 12, REN 1 IND 2 October 1, 2010 INSECT SCREENING (BELOW LOWEST ELEVATED FLOOR) ......................................... RATE 7, 20, CONDO 19 INSURANCE PRODUCTS, NFIP ................................ GR 2-3 L LAPSE IN COVERAGE ............................................ REN 1-2 LATTICE (BELOW LOWEST ELEVATED FLOOR) ............... RATE 7, 20, 48, CONDO 19 LETTER OF DETERMINATION REVIEW (LODR) ................. CN 5, DEF 5 LETTER OF MAP AMENDMENT (LOMA) ............ PRP 6, END 2, CN 1, 5-6, 7, MAP 3, DEF 5 LETTER OF MAP REVISION (LOMR) ................... PRP 6, END 2, CN 6, 7, MAP 3, DEF 5 LOSS ASSESSMENT COVERAGE .. GR 13-14, CONDO 7-8 LOSS HISTORY ............................................... PRP 1, SRL 1 LOSS IN PROGRESS .................................................. DEF 5 LOWEST ADJACENT GRADE ..................................... DEF 5 LOWEST FLOOR ...... APP 6, RATE 17-23, LFG 1-68, DEF 5 Building Diagrams 1-9 ..................... LFG 4-7, CERT 23-25 Building Drawings ............................................... LFG 8-68 Lowest Floor Determination .................................. LFG 1-7 Lowest Floor Elevation ........... APP 6, RATE 16-21, DEF 5 Use of Elevation Certificate .................................... LFG 2A LOWEST FLOOR GUIDE ........................................ LFG 1-68 LOW-RISE BUILDING ............................ CONDO 6,9, DEF 5 LEASED FEDERAL PROPERTY ...................... APP 3, GR 1, LFP 1-6, PRP 2 M MACHINERY AND EQUIPMENT ...................... RATE 19-20, LFG 1, 2, CERT 3 MANDATORY PURCHASE (FORCED PLACEMENT) .......... GR 2, MPPP 2, CN 3, DEF 5 MANUFACTURED (MOBILE) HOMES/ TRAVEL TRAILERS .................. GR 3-4, APP 1, 4, 8, PR 1, DEF 3, 5, 9 Date of Construction ................................ APP 5, RATE 15 Doublewide................................................... APP 1, DEF 3 MANUFACTURED (MOBILE) HOME PARK OR SUBDIVISION......................................................... DEF 5- 6 MAP “GRANDFATHERING” (See FLOOD MAP “GRANDFATHERING”) MAPS (See FLOOD MAPS) MEAN SEA LEVEL (See NATIONAL GEODETIC VERTICAL DATUM [NGVD]) MISCELLANEOUS RULES ..................................... GR 15-16 Application Submission ............................................ GR 15 Assignment of Policy ................................................ GR 15 Commission, Producer’s .......................................... GR 15 Contract Agent Rule ................................................. GR 16 Delivery of Policy ...................................................... GR 15 Policy Term............................................................... GR 15 MITIGATION, SEVERE REPETITIVE LOSS............. SRL 1-2 MODULAR BUILDING .................................................. DEF 6 MORTGAGE PORTFOLIO PROTECTION PROGRAM (MPPP) ....................... GR 2, MPPP 1-6, DEF 6 MORTGAGEE... APP 2, RATE 17, PRP 7, MPPP 1-6, REN 1 MUDFLOW ................................................................... DEF 6 MULTI-FAMILY RESIDENCE (DWELLING) (See 2-4 FAMILY RESIDENCE [DWELLING]) MULTI-PROPERTY LETTER OF MAP AMENDMENT (LOMA) OR LETTER OF MAP REVISION (LOMR) ..... CN 6 N NATIONAL FLOOD INSURANCE ACT OF 1968 (See ACT) NATIONAL FLOOD INSURANCE PROGRAM (NFIP) ........... REF 1, DEF 6 NATIONAL GEODETIC VERTICAL DATUM (NGVD) ............ LFG 2A, CERT 2, DEF 6 NATURAL GRADE ........................................................ DEF 6 NEW CONSTRUCTION ................................................ DEF 6 NFIP BUREAU AND STATISTICAL AGENT........ REF 2, 5-6, SRL 1, DEF 6 NFIP CONTACT INFORMATION.............................. REF 3-6 NFIP SERVICING AGENT ............... REF 2, 3, SRL 1, DEF 6 NFIP SPECIAL DIRECT FACILITY (SDF) ................... REF 2, SRL 1-2, DEF 6 NON-PARTICIPATING COMMUNITY ........................... GR 1 NON-PAYMENT .......................................................... CN 2-3 NON-RESIDENTIAL ......................GR 6-8, CONDO 2, DEF 6 NORTH AMERICAN VERTICAL DATUM (NAVD) . …LFG 2A, CERT 2, DEF 6 NOTICE OF LOSS .......................................................... CL 1 NULLIFICATION (See CANCELLATION/NULLIFICATION) O OCCUPANCY CLASSIFICATION................... GR 5-6, APP 3 OTHER INSURANCE ...................................... MPPP 6, CN 2 OTHER RESIDENTIAL ...................................... GR 6, DEF 6 OTHERWISE PROTECTED AREAS ...................... CBRS 1-2 OUT-AS-SHOWN DETERMINATION ....CN 3, MAP 3, DEF 7 OVER WATER ........................................................... GR 4, 7 P PAPERWORK BURDEN DISCLOSURE NOTICE ....................................................................... REF 7 PARTICIPATING COMMUNITY......................... GR 1, DEF 7 PHOTOGRAPH REQUIREMENTS (FOR ELEVATION CERTIFICATE)...................................................... CERT 1-2 PHYSICAL MAP REVISION (PMR) ............................. MAP 3 POLICIES AVAILABLE................................................ GR 1-2 POLICY ......................................................................... DEF 7 POLICY RENEWALS ........ GR 12, PRP 2, MPPP 5, REN 1-8 Credit Card Payment Form .................................. REN 1, 8 Endorsements During Renewal Cycle ..................... REN 2 Expiration Notice to Mortgagee................................ REN 1 Final Notice ................................................... REN 2, 3, 6-7 Insufficient Renewal Information.............................. REN 2 Renewal Effective Date Determination .................... REN 2 Renewal Notice......................................... REN 1, 2, 3, 4-8 Severe Repetitive Loss Policies .............. REN 2, SRL 1-13 Waiting Period ...................................................... REN 1, 2 POLICY TERM .................. GR 15, APP 1-2, PRP 7, MPPP 3 POLLUTANTS ............................................................... DEF 7 PONDING HAZARD...................................................... DEF 7 POST-FIRM BUILDING (CONSTRUCTION) .......................... RATE 19, 20, 24, DEF 7 PRE-FIRM BUILDING (CONSTRUCTION) .......................... RATE 19, 23, 25, DEF 7 PREFERRED RISK POLICY (PRP) .............................. GR 2, PRP 1-10, DEF 7 Completing PRP Application Form ....................... PRP 6-8 Condominium Rating Chart...................................... PRP 3 Conversion of PRP to Standard Rated Policy.......... PRP 6 Conversion of Standard Rated Policy to PRP Due to Map Revision, LOMA, or LOMR ............................ PRP 6 Conversion of Standard Rated Policy to PRP Due to Misrating ................................................................ PRP 6 Coverage Limits .................................................... PRP 1-2 Coverage/Premium Tables ................................... PRP 4-5 Deductibles .............................................................. PRP 2 Discounts/Fees/ICC Premium.................................. PRP 2 Documentation......................................................... PRP 2 Eligibility Requirements ........................................ PRP 1, 2 Endorsements.......................................................... PRP 6 General Description ................................................. PRP 1 Ineligibility ................................................................ PRP 2 PRP Application Form.............................................. PRP 9 Renewal ................................................................... PRP 2 Replacement Cost Coverage................................... PRP 2 IND 3 October 1, 2010 PREMIUM ........................................................... RATE 16-20 Credit Card Payment ........................... APP 7, 9, REN 2, 8 Credit Card Payment Form .................................. REN 2, 8 Premium Calculation ...................................... RATE 16-17 Premium Discounts ................................. APP 6, 7, CRS 1 Premium Payment ......................... APP 7, 9, RATE 16-17, CONDO 9, PRP 8, MPPP 4, REN 1-2 Prepaid Amount (Total) ............................................ DEF 7 Prepaid Premium (Total) .......................................... DEF 7 Presentment of Payment (Premium) .......... GR 8-9, DEF 7 Refunds............................................ END 1-2, 3-4, CN 1-6 PREPAID AMOUNT (TOTAL) ...................................... DEF 7 PREPAID PREMIUM (TOTAL) .................................... DEF 7 PRESENTMENT OF PAYMENT (PREMIUM) GR 8-9, DEF 7 PRINCIPAL RESIDENCE ............................................. DEF 7 PRINCIPALLY ABOVE GROUND BUILDING .............. DEF 7 PROBATION....................................................... GR 1, DEF 7 PROBATION SURCHARGE.............. GR 1, RATE 12, DEF 7 PROOF OF INSURANCE............................................... GR 8 PROOF OF LOSS........................................................ CL 1, 2 PROPER OPENINGS (FLOOD VENTS) .... LFG 1-2A, 3, 5, 7, DEF 7 PROPERTY LOCATION...................... APP 2, PRP 7, END 3 PROPERTY REMOVED TO SAFETY EXPENSE ........ DEF 7 PROVISIONAL RATING ..................... GR 15, PR 1-5, DEF 7 Completing the Provisional Rating Questionnaire: General Directions .................................................... PR 2 Completing the Provisional Rating Questionnaire: Guidance for Determining Building Elevated on Fill . PR 2 Eligibility Requirements .............................................. PR 1 General Description .................................................... PR 1 Notification Requirements .......................................... PR 1 Provisional Rating Example ....................................... PR 4 Provisional Rating Questionnaire ............................... PR 3 Reformation: Endorsement Procedure....................... PR 1 Reformation: Endorsement Alternative ...................... PR 1 Reformation: Limitations ............................................. PR 1 Sample Notice to Accompany Provisionally Rated Policies ..................................... PR 5 R RATE TABLES...................... RATE 1-14, 33, CONDO 10-22, PRP 4-5, MPPP 1, PR 3, CRS 1 RATING ........................... GR 12, RATE 1-63, CONDO 1-31, CERT 4, END 1-2 Alternative Rates ..................................... RATE 21, END 2 Amount of Insurance Available............................... RATE 1 AR, AR Dual Zones .............................................. RATE 19 Buildings in More Than One Flood Zone. GR 15, RATE 17 Condominiums............................................... CONDO 1-31 Contents Location .......................................... RATE 26-29 Crawlspace........................................................... RATE 25 Deductibles .................................. RATE 12, 13, CONDO 8 Different Base Flood Elevations Reported .... GR 15, RATE 17 Effect of Map Revisions on Rates .................. RATE 22-23 Elevation Difference ....................................... RATE 17-19 FIRMs with Wave Heights .............................. RATE 30-31 Flood Map “Grandfathering” ... RATE 22-24, PRP 1, DEF 4 Flood Zone Discrepancies ....................... GR 15, RATE 17 Floodproofed Buildings ................................... RATE 31-32 General Rule of Rating ......................................... RATE 23 Key Points for Rating ............................................ RATE 17 Multiple Elevation Certificates ............................... CERT 1 Optional Elevation Rating ................. RATE 19, LFG 2, 2A Premium Calculation ...................................... RATE 16-17 Provisional Rates ........................... GR 15, PR 1-5, DEF 7 Rate Reduction......................................................... END 1 Rate Tables ...... RATE 1-14, 33, CONDO 10-22, PRP 4-5, MPPP 1, PR 3, CRS 1 Rating Error .......................................................... END 1-2 Rating Examples ............... RATE 17-19, 23-25, 30, 49-63, CONDO 23-31, END 5-12, PR 4 Rating Steps ................................................... RATE 15-16 Re-Rating........................................................ RATE 23-24 Special Rating Situations .................................... GR 14-15 Submit-for-Rate........................ GR 15, RATE 25-25A, DEF 9 Tentative Rates......... GR 14, RATE 21, CONDO 8, DEF 9 V-Zone Optional Rating ....................................... RATE 23 V-Zone Risk Factor Rating Form.................... RATE 35-48 RCBAP (See RESIDENTIAL CONDOMINIUM BUILDING ASSOCIATION POLICY) RECREATIONAL VEHICLE .......................................... DEF 1 REFORMATION.................................. GR 13, MPPP 5, PR 1 REFUNDS ............................................ END 1-2, 3-4, CN 1-7 REGIONAL OFFICES, NFIP ..................................... REF 5-6 REGULAR PROGRAM.........................GR 1, RATE 1, DEF 8 RENEWALS (See POLICY RENEWALS) REPETITIVE LOSS... GR 5, 11, REN 2, CN 7, SRL 1-13, DEF 8 REPLACEMENT COST .................... APP 4, RATE 21-22, 31, CONDO 7, 9, PRP 2, DEF 8 RESIDENTIAL ........................................GR 5-6, CONDO 1-2 RESIDENTIAL BASEMENT FLOODPROOFING CERTIFICATE....................................................... CERT 7-8 RESIDENTIAL CONDOMINIUM BUILDING ......... CONDO 1, DEF 8 RESIDENTIAL CONDOMINIUM BUILDING ASSOCIATION POLICY (RCBAP) (See also STANDARD FLOOD INSURANCE POLICY) ....... GR 1, 2, APP 4, CONDO 1-31, POL 1, 42-61 Application Form ............................................. CONDO 8-9 Assessment Coverage.................................... CONDO 7-8 Building Type ................................................. CONDO 6, 8 Cancellation or Endorsement of Existing Unit Owners’ Dwelling Policies ........................ CONDO 8 Coinsurance....................................................... CONDO 7 Commission, Producer’s .................................... CONDO 8 Condominium Building in the Course of Construction.............................................. CONDO 6-7 Coverage, Building .......................................... CONDO 8-9 Coverage, Contents ........................................ CONDO 8-9 Coverage Limits .......................................... CONDO 7, 8-9 Deductibles .................................................. CONDO 8, 22 Determining Rates and Fees ............................. CONDO 9 Eligibility Requirements ...................................... CONDO 6 Federal Policy Fee ............................................. CONDO 8 Property Covered ............................................ CONDO 6-7 Rate Tables................................................. CONDO 10-22 Rating Examples......................................... CONDO 23-31 Replacement Cost ......................................... CONDO 7, 9 Tentative Rates and Scheduled Buildings ......... CONDO 8 ROWHOUSES/TOWNHOUSES ............................ CONDO 6 S SCHEDULED BUILDING POLICY .................... GR 3, APP 1, CONDO 8, DEF 8 SCREENING, INSECT (BELOW LOWEST ELEVATED FLOOR).......................................... RATE 7, 20, CONDO 19 SECTION 1316................................................... GR 7, DEF 8 SEPARATE BUILDING (See SINGLE BUILDING) SEVERE REPETITIVE LOSS PROPERTIES ............... GR 5, REN 2, CN 6, SRL 1-13, DEF 8 SFIP (See STANDARD FLOOD INSURANCE POLICY) SHEAR WALLS .................................................. GR 5, DEF 8 SHEET FLOW HAZARD ............................................... DEF 8 SILOS ......................................................................... GR 4, 6 SINGLE ADJUSTER PROGRAM..................... CL 3-4, DEF 8 SINGLE BUILDING ............................................ GR 5, DEF 8 SINGLE-FAMILY RESIDENCE (DWELLING) ............... GR 5, DEF 8 SLATS OR SHUTTERS (BELOW LOWEST ELEVATED FLOOR).......................................... RATE 7, 20, CONDO 19 SOLID PERIMETER FOUNDATION WALLS................ GR 5, RATE 20, DEF 8 IND 4 October 1, 2010 SPECIAL CERTIFICATIONS................................ CERT 1-47 SPECIAL DIRECT FACILITY (See NFIP SPECIAL DIRECT FACILITY) SPECIAL FLOOD HAZARD AREA (SFHA) ..... MAP 2, DEF 8 SPECIAL RATING SITUATIONS.... GR 14-15, RATE 21-25A Alternative Rates .................................................. RATE 21 Buildings in More Than One Flood Zone.............................................. GR 15, RATE 17 Crawlspace........................................................ RATE 25A Different Base Flood Elevations Reported .... GR 15, RATE 17 Flood Zone Discrepancies ............................. GR 15, RATE 17 Map “Grandfather” Rules: Effect of Map Revisions on Rates ....................................................... RATE 22-24 Policies Requiring Re-Rating ......................... RATE 23-24 Post-’81 V Zone Optional Rating.......................... RATE 24 Provisional Rates ......................................... GR 15, DEF 7 Special Rates……………………………………….RATE 22 Submit-for-Rate...................... GR 15, RATE 24-25, DEF 9 Tentative Rates ......... GR 14, RATE 21, CONDO 8, DEF 9 SPLIT LEVEL................................................................ DEF 8 STANDARD FLOOD INSURANCE POLICY (SFIP) .. GR 1, 2, POL 1-61, DEF 8-9 Agreement.................................................... POL 3, 23, 43 Claim Guidelines in Case of a Flood .......... POL 21, 40, 61 Coinsurance ........................................................... POL 52 Deductibles ............................................ POL 12, 32, 51-52 Definitions ....................................... POL 3-5, 23-25, 43-45 Dwelling Form.......................................... POL 2-21, DEF 8 Exclusions .................................. POL 11-12, 31-32, 50-51 General Conditions ..................... POL 12-20, 32-38, 53-59 General Property Form.......................... POL 22-40, DEF 8 Liberalization Clause .................................. POL 20, 39, 60 Property Covered ......................... POL 5-10, 25-30, 45-50 Property Not Covered....................... POL 10-11, 30-31, 50 Residential Condominium Building Association Policy ............................................... POL 42-61, DEF 8-9 Summary of Significant Changes, December 2000 ........... POL 2, 22, 42 What Law Governs ..................................... POL 20, 39, 60 START OF CONSTRUCTION ...................................... DEF 9 STOCK .......................................................................... DEF 9 SUBGRADE CRAWLSPACE .................... CONDO 10, 12-17, RATE 25, DEF 9 SUBMIT-FOR-RATE ................... GR 15, RATE 24-25, DEF 9 SUBSTANTIAL DAMAGEGR 12-13, RATE 16, 23-24, DEF 9 SUBSTANTIAL IMPROVEMENT ................................. APP 5, RATE 15-16, 23, DEF 9 SUSPENSION .................................................... GR 1, DEF 9 T TECHNICAL ASSISTANCE .......................................... REF 2 TELEPHONE NUMBERS .......................................... REF 3-6 TENTATIVE RATES ...... GR 14, RATE 21, CONDO 8, DEF 9 TIMESHARES ................................................................ GR 7 TOWNHOUSES/ROWHOUSES ................ CONDO 6, PRP 9 TRANSFER OF TITLE ................................................. GR 15 TRAVEL TRAILERS (See MANUFACTURED [MOBILE] HOMES/TRAVEL TRAILERS) 2-4 FAMILY RESIDENCE (DWELLING) ......... GR 5-6, DEF 9 U UNDERGROUND BUILDING........................................ DEF 9 UNFINISHED AREA ...................................................... DEF 9 UNFINISHED BASEMENT ........................................ APP 1, 2 UNIT .............................................................................. DEF 9 V VALUED POLICY.......................................................... DEF 9 VARIANCE .................................................................... DEF 9 VEHICLES AND EQUIPMENT....................................... GR 6 V-ZONE OPTIONAL RATING .................................. RATE 24 V-ZONE RISK FACTOR RATING FORM............ RATE 35-48 W WAITING PERIOD .................. GR 8-12, MPPP 4, REN 1, 2, PR 1, DEF 10 WALLED AND ROOFED.................................. GR 5, DEF 10 WALLS .............................. GR 5, RATE 20, LFG 1, 2, DEF 8 Breakaway Walls .......... GR 5, RATE 20, LFG 1, 2, DEF 1 Common Interior Walls .............................................. GR 5 Openings in Foundation Walls .................................. LFG 1 Shear Walls .................................................... GR 5, DEF 8 Solid Perimeter Foundation Walls ................ GR 5, RATE 8 LFG 7, DEF 8 WAVE HEIGHT ........................ APP 6, RATE 30-31, DEF 10 Calculating Wave Height Adjustment ..... RATE 30, DEF 10 WHOLE DOLLAR PREMIUM................................... RATE 17 WIND LOSSES................................................................ CL 4 WRITE YOUR OWN (WYO) PROGRAM .... REF 1-2, DEF 10 Z ZONE (See also Map Zones under FLOOD MAPS) ... MAP 2, DEF 10 Discrepancies .......................................... GR 15, RATE 17 IND 5 October 1, 2010 Map Service Center Media Mail P.O. Box 1038 U.S Postage Paid Jessup, MD 20794-1038 Permit #25 Jessup, MD 20794 MSC # 610A 10/1/2010