U.S. Department of Homeland Security 500 C Street SW Washington, DC 20472 July 2008 Dear Flood Insurance Manual Subscribers: As we move forward to improve the National Flood Insurance Program (NFIP), it is my goal to ensure that you have up-to-date information so you can assist your customers in securing the best flood insurance protection available for their individual needs. Revisions have been made to the NFIP Flood Insurance Manual that will become effective October 1, 2008. All of the changes are shown on the enclosed amended pages, and related footers have been modified to reflect the October 1, 2008, effective date. The significant revisions include the following: • Updates the list of NFIP Bureau and Statistical Agent Regional Offices (REF Section); • Explains two exceptions to the provisions for reduction or reformation of coverage limits described in the Standard Flood Insurance Policy at Paragraph G of GENERAL CONDITIONS (GR Section); • Stipulates that, for a building to qualify for floodproofing credit in an AO Zone, where the Flood Insurance Rate Map does not provide Base Flood Elevations, the building must be floodproofed to at least 1 foot higher than the Base Flood Depth (RATE Section); • Clarifies that individual residential condominium units in a nonresidential condominium building are not eligible for building coverage (CONDO Section); • Clarifies that the loss history criteria determining a building’s eligibility for the Preferred Risk Policy apply to any 10-year period of the building’s existence, regardless of ownership (PRP Section); • Clarifies certain documentation and refund eligibility requirements related to cancellation/ nullification of policies (CN Section); • Updates the Community Rating System Eligible Communities list (CRS section); and • Adds a discussion of the Severe Repetitive Loss Pilot Grant Program and provides samples of letters that will be sent to policyholders, agents, and lenders of buildings eligible for mitigation grants (SRL Section). Thank you for your continued support of the NFIP. Sincerely, David I. Maurstad Federal Insurance Administrator National Flood Insurance Program Enclosure www.fema.gov Change Record Page Effective Date: October 1, 2008 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 Insert i-ii, xi-xii, xv REF 5-6 GR 11-13 RATE 31-32 CONDO 1-2, 11-12, 17-18 CERT 3-4 PRP 1-2 CN 1-8 MAP 3-6 CRS 1-28 SRL 1-8 IND 1-5 i-ii, xi-xii, xv REF 5-6 GR 11-14 RATE 31-32 CONDO 1-2, 11-12, 17-18 CERT 3-4 PRP 1-2 CN 1-8 MAP 3-6 CRS 1-28 SRL 1-13 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 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 6 C. Condominiums ..................................................................................................... GR 6 VI. INELIGIBLE PROPERTY ............................................................................................. GR 6 A. Buildings............................................................................................................... GR 6 B. Container-Type Buildings..................................................................................... GR 7 C. Buildings Entirely Over Water .............................................................................. GR 7 D. Buildings Partially Underground........................................................................... GR 7 E. Basement/Elevated Building Enclosures ............................................................. GR 7 i May 1, 2008 TABLE OF CONTENTS (Continued) SECTION PAGE VII. EXAMPLES OF INELIGIBLE RISKS............................................................................ GR 7 A. Building Coverage................................................................................................ GR 7 B. Contents Coverage .............................................................................................. GR 7 C. Non-Residential Condominium Unit..................................................................... GR 8 VIII. POLICY EFFECTIVE DATE......................................................................................... GR 8 A. Evidence of Insurance.......................................................................................... GR 8 B. Start of Waiting Period ......................................................................................... GR 8 C. Effective Date....................................................................................................... GR 8 IX. COVERAGE ................................................................................................................. GR 10 A. Limits of Coverage ............................................................................................... GR 10 B. Deductibles........................................................................................................... GR 10 C. Coverage D - Increased Cost of Compliance (ICC) Coverage............................ GR 10 D. Reduction of Coverage Limits or Reformation..................................................... GR 11 E. Loss Assessments ............................................................................................... GR 11 F. Improvements and Betterments and Tenant’s Coverage .................................... GR 12 X. SPECIAL RATING SITUATIONS ................................................................................. GR 12 A. Tentative Rates .................................................................................................... GR 12 B. Submit-For-Rate................................................................................................... GR 13 C. Provisional Rates ................................................................................................. GR 13 D. Buildings in More Than One Flood Zone ............................................................. GR 13 E. Different Base Flood Elevations (BFEs) Reported............................................... GR 13 F. Flood Zone Discrepancies ................................................................................... GR 13 XI. MISCELLANEOUS RULES.......................................................................................... GR 13 A. Policy Term .......................................................................................................... GR 13 B. Application Submission........................................................................................ GR 13 C. Delivery of the Policy............................................................................................ GR 13 D. Assignment........................................................................................................... GR 13 E. Producers’ Commissions (Direct Business Only) ................................................ GR 13 F. Contract Agent Rule............................................................................................. GR 14 APPLICATION........................................................................................................................... APP1 I. USE OF THE FORM .................................................................................................... APP 1 II. TYPES OF BUILDINGS ............................................................................................... APP 1 III. SCHEDULED BUILDING POLICY ............................................................................... APP 1 IV. COMPLETING PART 1 OF THE FLOOD INSURANCE APPLICATION FORM ......... APP 1 A. Policy Status......................................................................................................... APP 1 B. Policy Term (Billing/Policy Period) ....................................................................... APP 1 C. Agent Information................................................................................................. APP 2 D. Insured Mail Address ........................................................................................... APP 2 E. Disaster Assistance.............................................................................................. APP 2 F. First Mortgagee .................................................................................................... APP 2 G. Second Mortgagee or Other................................................................................. APP 2 H. Property Location ................................................................................................ APP 2 I. Community ........................................................................................................... APP 2 J. Building ................................................................................................................ APP 3 K. Contents............................................................................................................... APP 4 L. Construction Data ................................................................................................ APP 4 M. Coverage and Rating ........................................................................................... APP 6 N. Signature.............................................................................................................. APP 6 ii October 1, 2008 TABLE OF CONTENTS (Continued) SECTION PAGE IV. CRS ACTIVITIES THAT CAN DIRECTLY BENEFIT INSURANCE AGENTS............. CRS 1 ELIGIBLE COMMUNITIES.................................................................................................... CRS 2 GUIDANCE FOR SEVERE REPETITIVE LOSS PROPERTIES ............................................... SRL 1 I. GENERAL DESCRIPTION........................................................................................... SRL 1 II. NOTIFICATION REQUIREMENTS .............................................................................. SRL 1 III. DISPUTE RESOLUTION.............................................................................................. SRL 1 IV. SEVERE REPETITIVE LOSS PILOT GRANT PROGRAM ......................................... SRL 2 DEFINITIONS ............................................................................................................................. DEF 1 INDEX ..................................................................................................................................... IND 1 xi October 1, 2008 LIST OF TABLES SECTION/TABLE PAGE REFERENCE NFIP Servicing Agent Contact Information for NFIP Direct Program Agents ........................ REF 3 NFIP General Contact Information for All NFIP Stakeholders ............................................... REF 4 NFIP Bureau and Statistical Agent Regional Offices............................................................. REF 5 GENERAL RULES Matching Standard Flood Insurance Policy Forms with Specific Risks ................................ GR 2 RATING Amount of Insurance Available .............................................................................................. RATE 1 Table 1. Emergency Program Rates.................................................................................. RATE 1 Table 2. Regular Program--Pre-FIRM Construction Rates................................................ RATE 2 Table 3. Regular Program--Post-FIRM Construction Rates .............................................. RATE 3 Table 4. Regular Program--FIRM Zone AR and AR Dual Zones Rates ............................ RATE 9 Table 5. Regular Program--Pre-FIRM and Post-FIRM Elevation-Rated Rates ................. RATE 10 Table 6. Precalculated Pre-FIRM Premium Table for Single-Family Dwellings................. RATE 11 Table 7. Federal Policy Fee and Probation Surcharge Table............................................ RATE 12 Table 8A. Standard Deductibles........................................................................................... RATE 12 Table 8B. Deductible Factors ............................................................................................... RATE 13 Table 9. Standard Flood Insurance Policy Increased Cost of Compliance (ICC) Coverage Premiums.......................................................................................... RATE 14 Table 10. V-Zone Risk Rating RelativitiesTable .................................................................. RATE 33 CONDOMINIUMS Table 1. Condominium Underwriting Guidelines................................................................ CONDO 3 Table 2. Condominium Rating Chart.................................................................................. CONDO 4 Table 3. RCBAP High-Rise Condominium Rates .............................................................. CONDO 10 Table 4. RCBAP Low-Rise Condominium Rates............................................................... CONDO 14 Table 5. RCBAP High-Rise and Low-Rise Condominium Rates-- 1981 Post-FIRM V1-V30, VE Zone Rates ......................................................... CONDO 19 Table 6. RCBAP High-Rise and Low-Rise Condominium Rates-- Increased Cost of Compliance (ICC) Coverage................................................. CONDO 21 Table 7. RCBAP Deductible Factors – All Zones............................................................... CONDO 22 SPECIAL CERTIFICATIONS Approved Communities for Residential Basement Floodproofing Rating Credit ................... CERT 5 PREFERRED RISK POLICY The PRP at a Glance ............................................................................................................PRP 1 Preferred Risk Policy Condominium Rating Chart ................................................................ PRP 3 PRP Coverages Available Effective May 1, 2008 ................................................................. PRP 4 MORTGAGE PORTFOLIO PROTECTION PROGRAM Mortgage Portfolio Protection Program Rate and Increased Cost of Compliance (ICC) Table ........................................................................ MPPP 1 POLICY RENEWALS Summary of Policy Notices ................................................................................................... REN 3 xii May 1, 2008 LIST OF ILLUSTRATIONS (Continued) SECTION/ILLUSTRATION PAGE PROVISIONAL RATING Provisional Rating Questionnaire.......................................................................................... PR 3 Sample Notice to Accompany Provisionally Rated Policies.................................................. PR 5 GUIDANCE FOR SEVERE REPETITIVE LOSS PROPERTIES Agent SDF Notification Letter................................................................................................ SRL 3 Lender SDF Notification Letter.............................................................................................. SRL 5 Policyholder SDF Notification Letter ..................................................................................... SRL 7 Premium Increase Notification Letter .................................................................................... SRL 9 Renewal Billing Letter Within Appeal Period......................................................................... SRL 11 Renewal Billing Letter After Appeal Period ........................................................................... SRL 12 Renewal Billing Letter After Additional Loss ......................................................................... SRL 13 xv October 1, 2008 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 primary function of the regional offices is lender and producer training through workshops and individual visits. Other services provided by the regional offices are similar to those provided by an insurance company field office. The regional offices do not handle processing, nor do they have policy files at their locations. However, the regional staff may be able to assist with problems and answer questions of a general nature. 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 SERVICE STATISTICAL AGENT STATISTICAL AGENT AREA REGIONAL OFFICES REGIONAL STAFF Region I P.O. Box 850854 Robert Archila Connecticut, Maine, Massachusetts, Braintree, MA 02185-0854 Regional Manager New Hampshire, Rhode Island, Phone: 781-848-0251 Vermont Fax: 781-848-0252 Region II P.O. Box 7157 Walter McGuckin New Jersey, New York Penndel, PA 19047-7157 Regional Manager Phone: 215-702-1047 Fax: 215-702-1047 Region III 304 W. Route 38 Vacant Delaware, District of Columbia, Moorestown, NJ 08057-3212 Regional Manager Maryland, Pennsylvania, Virginia, Phone: 215-702-1047 West Virginia Fax: 215-702-1047 Region IV – Atlanta Office P.O. Box 2706 Roger Widdifield Alabama, Georgia, Kentucky, Suwanee, GA 30024-0984 Territorial Manager Mississippi, North Carolina, South Phone: 770-887-6865 Carolina, Tennessee Fax: 770-887-6878 Region IV – Tampa Office P.O. Box 1046 Lynne Magel Florida Zephyrhills, FL 33539-1046 Program Specialist Phone: 813-779-9642 Fax: 813-779-3085 REF 5 October 1, 2008 NFIP BUREAU AND STATISTICAL AGENT REGIONAL OFFICES Region V Suite 123 18008 Wolf Road Orland Park, IL 60467-5407 Phone: 708-326-3072 Fax: 708-326-3074 Region VI Suite 200 1400 Broadfield Boulevard Houston, TX 77084-5162 Phone: 281-994-7833 Fax: 281-994-7801 Region VII P.O. Box 3707 Lawrence, KS 66046-0707 Phone: 785-842-1368 Fax: 785-842-1273 Region VIII 12420 W. 20th Avenue Lakewood, CO 80215-1065 Phone: 303-275-3475 Fax: 303-275-3471 Region IX Suite 103 1532 Eureka Road Roseville, CA 95661-3054 Phone: 916-780-7889 Fax: 916-780-7905 Region X P.O. Box 602 Bothell, WA 98041-0602 Phone: 425-482-0316 Fax: 425-908-7639 NFIP BUREAU AND STATISTICAL AGENT REGIONAL STAFF Richard Slevin Regional Manager Dorothy Martinez, CFM Regional Manager Monique Pilch Regional Manager Norman Ashford, CPCU Territorial Manager Edie Lohmann Field Operations Manager Leslie Melville, CFM Regional Manager SERVICE AREA Illinois, Indiana, Michigan, Minnesota, Ohio, Wisconsin Arkansas, Louisiana, New Mexico, Oklahoma, Puerto Rico, Texas, Virgin Islands Iowa, Kansas, Missouri, Nebraska Colorado, Montana, North Dakota, South Dakota, Utah, Wyoming Arizona, California, Guam, Hawaii, Nevada Alaska, Idaho, Oregon, Washington REF 6 October 1, 2008 residential 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, 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 Association 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 as follows: 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. 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 GR 11 October 1, 2008 under the Dwelling Form may not be exceeded by the combined settlement of unit building damages, which would apply first, and the loss assessment. 3. 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. 4. 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 “D. Assessment Coverage” on page CONDO 7 and Section III. C. 3. of the Dwelling Form, “Condominium Loss Assessments,” on page POL 8. F. Improvements and Betterments and Tenant’s Coverage Under the Standard Flood Insurance Policy, coverage for improvements and betterments is provided for tenants who have purchased personal property coverage. The maximum amount payable for this coverage, which applies to fixtures, alterations, installations, or additions made or acquired solely at the tenant’s expense and comprising part of an insured building, is 10 percent of the personal property limit of liability shown on the Declarations Page. Use of improvements and betterments coverage reduces the amount of coverage available for personal property. A tenant may purchase higher limits of coverage for improvements and betterments under the building coverage if the lease agreement with the building owner: • Requires that the tenant purchase insurance coverage for the tenant’s improvements and betterments that are made or acquired; and • States that the tenant is responsible for the repair of the building and/or improvements and betterments that become damaged. Duplicate coverage is not permitted under the NFIP, so only one policy can be issued for building coverage, and the amount of building coverage cannot exceed the maximum allowable under the Act. The policy may be issued either in the name of the building owner or in the names of the building owner and the tenant. X. SPECIAL RATING SITUATIONS A. Tentative Rates Tentative rates are applied when producers are unable to provide all required underwriting information necessary to rate the policy. Tentatively rated policies cannot be endorsed to increase coverage limits or renewed for another policy term until required actuarial rating information and full premium payment are received by the NFIP. If a loss occurs on a tentatively rated policy, the loss payment will be limited by the amount of coverage that the premium initially submitted will purchase (using the correct actuarial rating information), and not the amount requested by application. GR 12 October 1, 2008 B. Submit-For-Rate Some risks, because of their unique underwriting characteristics, cannot be rated using this manual. Certain risks must be submitted to the NFIP Underwriting Unit to determine the appropriate rate. Refer to page GR 9 for the applicable waiting period. Submit-for-rate policies must be rerated annually using the newest rates. If the NFIP Direct or WYO company does not have all the underwriting information, it must request the missing information from the insured in order to properly rate the risk. Pre-FIRM risks may not be rated using the submit-for-rate process except for buildings with subgrade crawl spaces as described on page RATE 25, paragraph G. 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. 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, 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.C. on page RATE 21). 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 GR 13 October 1, 2008 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 thecompany’s behalf and with authority to advise an applicant for flood insurance that the company will accept the risk. The effective date for a policy written through a Contract Agent has a waiting period that begins on the agent’s or employee’s receipt of the premium and completion of the application. An agent under written contract to a WYO Company is not a Contract Agent if the WYO Company reserves the right to reject the risk. The effective date for a policy not written through a Contract Agent has a waiting period that begins on the WYO Company’s receipt of the premium and completed application. To establish a Contract Agent relationship acceptable to the NFIP, the WYO Company must include the stipulations above in its written contract with the agent or employee. GR 14 October 1, 2008 since the wave action effects have already been considered in establishing the BFEs on the Pacific Coast. The 1981 and later FIRMs for the Atlantic and Gulf Coast communities indicate whether or not wave height is included. If wave height is included, the following statement appears under “Notes to User” on the map legends: “Coastal base flood elevations shown on this map include the effects of wave action.” C. Unnumbered V Zones 1981 Post-FIRM Construction Determining wave heights in coastal communities is a very important additional risk consideration in the engineering or architectural certification that the structure is securely anchored to adequately anchored pilings or columns in order to withstand velocity waters and hurricane wave wash. In these rare instances, it will be necessary to obtain, review, and reasonably utilize any BFE data available from a Federal, state, or other source, until such other data have been provided by the Federal Emergency Management Agency as criteria to determine the BFEs, including wave heights. D. Rate Selection Procedure Factors used in determining the appropriate insurance rate are: 1. The elevation of the building relative to the BFE adjusted by the wave height factor for an individual building site or the actual FIRM BFEs on the appropriate FIRM (include the effect of wave action [wave height]), and 2. The existence or non-existence of obstructions under the beam supporting the building's lowest floor. The replacement cost ratio is used to select the specific rate. Complete the appropriate section of the Application. XVII. FLOODPROOFED BUILDINGS Floodproofing and the completion of the Floodproofing Certificate are described in detail in the Special Certifications section. A. Elevation Difference To determine the elevation difference used for the rating of floodproofed buildings, the following procedures should be used if rounding is necessary: 1. Round floodproofed elevation to the nearest foot if the BFE is shown in feet. Convert the floodproofed elevation to tenths of feet if the BFE is shown in tenths of feet. 2. The elevation difference should be rounded to the nearest higher elevation. Use 0.5 feet as the midpoint and always round up. (Example: +1.5 becomes +2; -0.5 becomes 0; -1.4 becomes -1; -1.5 becomes -1; -1.6 becomes -2.) In order to qualify for floodproofing credit, buildings in AE, A1-A30, and AH Zones must be floodproofed to at least 1 foot higher than their BFEs. Buildings in AO Zones must be floodproofed to at least 1 foot higher than their Base Flood Depths. B. Rating When computing a premium for a floodproofed building, use the following procedure: 1. Determine how far above the BFE the building is floodproofed. (For example, the building will be floodproofed at +1 foot, +2 feet, and so forth above BFE.) 2. Subtract 1 foot to determine the elevation to be used in determining the rate and computing the premium for the building. 3. Find the rate for the given building in the proper zone at the "adjusted" elevation. 4. Compute the premium as usual. The building must be floodproofed to +1 foot in order to receive a rate equivalent to a building with its lowest floor elevated to the BFE. For example, if the building is located in Zone AO and the community's floodproofing standards have been approved to a level of 3 feet above the highest adjacent grade (HAG) for the lowest floor of a nonfloodproofed building, to qualify for With Certification of Compliance rates, a building must meet the following standards: RATE 31 October 1, 2008 • Be floodproofed to an elevation of 4 feet above HAG (1 foot above the community's minimum standard of 3 feet above HAG). • The floodproofing must be certified by a registered professional engineer or architect on the Floodproofing Certificate or by a responsible local official in a letter containing the same information requested on the Floodproofing Certificate. • The certification, certificate, or letter must accompany the NFIP Flood Insurance Application. In order to be eligible for lower rates, the insured must have a registered professional engineer or architect certify that the floodproofing conforms to the minimum floodproofing specifications of FEMA. This means that the building must be floodproofed to at least 1 foot above the BFE. If floodproofed to 1 foot above the BFE or flood depth, it can then be treated for rating purposes as having a "0" elevation difference from the BFE. This certification must be submitted with the Application for flood insurance. To further illustrate, if the building is certified to be floodproofed to 2 feet above the BFE, flood depth, or comparable community approved floodplain management standards, whichever is highest, then it is credited for floodproofing and is to be treated for rating purposes as having a +1 foot elevation. XVIII. THE V-ZONE RISK FACTOR RATING FORM A. Use In conjunction with Table 10 (V-Zone Risk Rating Relativities Table), this optional form (see page RATE 35) may be used to evaluate the coastal risk when it is believed that the design, placement, and/or construction of a building is such that the usual criteria used to establish actuarially appropriate rates do not reflect the lessened risk of a particular structure. The form may be used to either: • Establish a rate prior to issuing a new policy, or • Appeal the rate charged on an existing policy. Submit the V-Zone Risk Factor Rating Form for review, along with a copy of the site grading and structural plans, the Elevation Certificate (EC), and photographs. See pages CERT 1-2 of this manual for photo requirements pertaining to the new EC, which became mandatory for use effective January 1, 2007. B. Submission The completed form should be submitted to the NFIP Bureau and Statistical Agent, Underwriting Department, P.O. Box 310, Lanham, MD 20703. Confirmation of the relativity and established rate will be returned to the submitting producer, engineer, and builder/applicant in approximately 30 business days. RATE 32 May 1, 2008 CONDOMINIUMS Important Notice to Agents: Boards of Directors of condominium associations typically are responsible under their by-laws for maintaining all forms of property insurance necessary to protect the common property of the association against all hazards to which that property is exposed for the insurable value/replacement cost of those common elements. This responsibility would typically include providing adequate flood insurance protection for all common property located in Special Flood Hazard Areas. Such by-law requirements could make the individual members of the boards of directors of such associations personally liable for insurance errors or omissions, including those relating to flood insurance. I. METHODS OF INSURING CONDOMINIUMS There are five methods of insuring condominiums under the National Flood Insurance Program (NFIP). Each method has its own eligibility requirements for condominium type. A. Residential Condominium: Association Coverage on Building and Contents A condominium association is the corporate entity responsible for the management and operation of a condominium. Membership is made up of the condominium unit owners. A condominium association may purchase insurance coverage on a residential building and its contents under the Residential Condominium Building Association Policy (RCBAP). The RCBAP covers only a residential condominium building in a Regular Program community. If the named insured is listed as other than a condominium association, the agent must provide legal documentation to confirm that the insured is a condominium association. B. Residential Condominium: Unit Owner’s Coverage on Building and Contents A condominium unit in a townhouse, rowhouse, high-rise or low-rise building is considered to be a single family residence. An individual dwelling unit in a condominium building may be insured in any one of three ways: • An individual unit and its contents may be separately insured under the Dwelling Form, in the name of the unit owner, at the limits of insurance for a single family dwelling. • An individual unit may be separately insured under the Dwelling Form, if purchased by the association in the name of the "owner of record unit number (#) and (name of) Association as their interests may appear," up to the limits of insurance for a single family dwelling. An individual unit owned by the association may be separately insured under the Dwelling Form, if purchased by the condominium association. The single family limits of insurance apply. A policy on a condominium unit will be issued naming the unit owner and the association, as their interests may appear. Coverage under a unit owner's policy applies first to the individually owned building elements and improvements to the unit and then to the damage of the building's common elements that are the unit owner's responsibility. In the event of a loss, the claim payment to an individual unit owner may not exceed the maximum allowable in the Program. C. Other Residential Condominium: Condominium Association Policy, Association Coverage on Building and Contents The Condominium Association Program (CAP), under the General Property Form, is available to insure condominium buildings not eligible for the RCBAP. A CAP is written on the General Property Form in the name of the association. For policies after October 1, 1994, the CAP is to be used for all condominiums in the Emergency Program communities, and those condominiums in Regular Program communities that do not meet the requirement that 75 percent of the floor area of the building be residential. In all other cases, the Residential Condominium Building Association Policy must be sold. The CAP will cover building common elements as well as building elements (additions and alterations) within all units of the building. CONDO 1 May 1, 2008 In the event of a loss, building coverage under either association policy applies first to building common elements damage and then to damage to individually owned building elements, and the claim payment may not exceed the maximum allowable under the NFIP. D. Nonresidential (Commercial) Condominium: Building and Contents Nonresidential (commercial) condominium buildings and their commonly owned contents may be insured in the name of the Association under the General Property Form. The "Nonresidential" limits apply. Individual residential condominium units in nonresidential condominium buildings are not eligible for building coverage. E. Nonresidential (Commercial) Condominium: Unit Owner's Coverage (Contents) The owner of a nonresidential condominium unit may purchase only contents coverage for that unit. Building coverage may not be purchased in the name of the unit owner. In the event of a loss, up to 10 percent of the stated amount of contents coverage can be applied to losses to condominium interior walls, floors, and ceilings. The 10 percent is not an additional amount of insurance. CONDO 2 October 1, 2008 TABLE 3B. RCBAP HIGH-RISE CONDOMINIUM RATES ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) AO, AH POST-FIRM NO BASEMENT/ENCLOSURE BUILDINGS1 BUILDING CONTENTS WITH CERTIFICATION OF COMPLIANCE2 .44/.04 .38/.13 WITHOUT CERTIFICATION OF COMPLIANCE OR WITHOUT ELEVATION CERTIFICATE3 .99/.08 1.18/.24 POST-FIRM UNNUMBERED A-ZONE - WITHOUT BASEMENT/ENCLOSURE1 ELEVATION DIFFERENCE TO NEAREST FOOT BUILDING CONTENTS4 TYPE OF ELEVATION CERTIFICATE +5 OR MORE .81/.05 .62/.12 NO ESTIMATED BASE FLOOD ELEVATION5 +2 TO +4 1.41/.06 .87/.17 +1 2.31/.14 1.54/.57 0 OR BELOW *** *** +2 OR MORE .70/.04 .51/.12 WITH ESTIMATED BASE FLOOD ELEVATION6 0 TO +1 1.24/.06 .85/.16 -1 5.19/.17 2.46/.74 -2 OR BELOW *** *** NO ELEVATION CERTIFICATE 6.60/1.27 3.36/1.00 NO ELEVATION CERTIFICATE 1Zones A, AO, or AH buildings with basement/enclosure--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. 4For elevation rated policies, when contents are located one floor or more above lowest floor used for rating, use .35/.12.5NO 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. 6WITH 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. ***SUBMIT FOR RATING. CONDO 11 May 1, 2008 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 CONTENTS PRE-FIRM1,2 AND POST-FIRM3 NOT ELEVATION-RATED CONTENTS LOCATION RATES Basement and above 1.53/.56 Enclosure and above 1.53/.65 Lowest floor only- above ground level 1.20/.59 Lowest floor above ground level and higher floors 1.20/.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 3 OR MORE FLOORS WITH BASEMENT/ENCLOSURE +4 .33/.03 .33/.03 +3 .35/.03 .34/.03 +2 .40/.03 .36/.03 +1 .72/.04 .53/.04 0 1.06/.05 1.15/.05 -14 See Footnote CONTENTS PRE-FIRM AND POST-FIRM ELEVATION-RATED ELEVATION LOWEST FLOOR ONLY- ABOVE GROUND LEVEL (NO BSMNT./ENCL.) LOWEST FLOOR ABOVE GROUND LEVEL AND HIGHER (NO BSMNT./ENCL.) BASEMENT/ ENCLOSURE 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 1.24/.12 .69/.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 $1,000. 3Base deductible is $500. 4Use Pre-FIRM Not Elevation-Rated AR and AR Dual Zones Rate Table above. CONDO 12 October 1, 2008 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 .74/.21 1.20/.37 WITH BASEMENT .81/.30 1.36/.46 WITH ENCLOSURE .81/.34 1.36/.54 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 MORE THAN ONE FLOOR NO BASEMENT/ENCLOSURE MORE THAN ONE FLOOR WITH BASEMENT/ENCLOSURE +4 .18/.08 .18/.08 .18/.08 +3 .18/.08 .18/.08 .18/.08 +2 .27/.08 .18/.08 .18/.08 +1 .49/.08 .28/.08 .23/.08 0 .74/.21 .71/.09 .55/.09 -14 See Footnote CONTENTS RATES ELEVATION OF LOWEST FLOOR ABOVE OR BELOW BFE CONTENTS LOCATION LOWEST FLOOR ONLY - ABOVE GROUND LEVEL (NO BASEMENT/ENCLOSURE) LOWEST FLOOR ABOVE GROUND LEVEL AND HIGHER FLOORS (NO BASEMENT/ENCLOSURE) BASEMENT/ENCLOSURE 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 1.24/.12 .69/.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 $1,000. 3Base deductible is $500. 4Use Pre-FIRM Not Elevation-Rated AR and AR Dual Zones Rate Table above. CONDO 17 October 1, 2008 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 MORE THAN ONE FLOOR NO BASEMENT/ENCLOSURE MORE THAN ONE FLOOR WITH BASEMENT/ENCLOSURE 03 2.43/.45 1.97/.45 1.68/.45 -14 5.31/2.77 4.86/2.77 3.47/2.51 -2 *** *** *** REGULAR PROGRAM -- 1975-19811 -- POST-FIRM CONSTRUCTION2 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) LOWEST FLOOR ABOVE GROUND LEVEL AND HIGHER FLOORS (NO BASEMENT/ENCLOSURE) BASEMENT/ENCLOSURE AND ABOVE ABOVE GROUND LEVEL - MORE THAN ONE FULL FLOOR 03 4.00/.56 2.62/.62 1.47/.68 .55/.25 -14 8.81/4.27 5.20/3.30 1.73/.68 .55/.25 -2 *** *** *** .55/.25 REGULAR PROGRAM -- 1975-1981 -- POST-FIRM CONSTRUCTION2 UNNUMBERED V ZONE -- ELEVATED BUILDINGS SUBMIT FOR RATING 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. ***SUBMIT FOR RATING. CONDO 18 May 1, 2008 • The surveyor, engineer, or architect is For Zone A (without a FEMA-issued or required to provide a number of elevations community-issued BFE) and Zone AO, a based on the building type selected. property owner or owner’s authorized representative may complete Sections A, B, and • From the elevations gathered, the insurance E. agent is required to determine the lowest Section F – Property Owner (or Owner’s floor for rating flood insurance. Representative) Certification Address and other contact information about the As it relates to Section C, information found not to be applicable to the property being certified property owner are requested in Section F. The should be marked N/A (not applicable) by the party completing Sections A, B, C (on the old surveyor, engineer, or architect. If any part of EC, Items C3.h and C3.i only), and E must execute Section F as well. Section C is left blank, critically review it and contact the surveyor, engineer, or architect who Section G – Community Information (Optional) completed the form and your company underwriter with any questions. The local official who is authorized by law or ordinance to administer the community’s floodplain management ordinance may transfer Elevation(s) of machinery and equipment elevation information found on existingservicing the building (e.g., water heater, documentation (i.e., an older elevation furnace, a/c compressor, heat pump, water certification form, or surveyor letterhead) topump) must be provided, regardless of its Section C of the EC. The local official must then location, whether inside or outside of the certify this information by fully completing building, elevated on a platform or non-elevated. Section G. A statement advising FEMA of this transfer of information must be made in the The surveyor, engineer, or architect may not be comment section of the newer EC. Section G able to gain access to some crawl spaces to may also be used to certify Item E4. shoot the elevation of the crawl space floor. In this instance, Item C2.a on the new EC (C3.a on IV. FLOODPROOFING CERTIFICATE the old EC) may be left blank and the estimated measurements entered in the Comments area of A. Purpose and Eligibility Section D. • In certain circumstances, floodproofing may be permitted as an alternative to elevating to Elevations in Section C are based on feet, or above the Base Flood Elevation (BFE); except in Puerto Rico, where the metric system however, a floodproofing design certification is used. The agent must convert any metric is required. Certified floodproofing may elevation readings into feet before calculating result in lower rates. the flood insurance premium. • Non-residential buildings in any community, in all locations except in V-Zones, may be Section D – Surveyor, Engineer, or Architect floodproofed in lieu of elevating. Certification • Residential buildings may be floodproofed Section D is the surveyor’s, engineer’s, or only if they have basements, are located in architect’s certification that the information Zones A1-A30, AE, AR, AR Dual, AO, and provided in Sections A, B, and C is AH, and only if they are located in representative of the certifier’s best efforts to communities specifically approved and interpret the data available. The surveyor’s, authorized by FEMA. A current list of engineer’s, or architect’s signature and approved communities appears on page identification number are required fields. Some CERT 5. States also may require a seal. • The allowable methods of floodproofing for Section E – Building Elevation Information non-residential buildings differ from those (Survey Not Required) for Zone AO and Zone allowed for residential buildings. The A (Without BFE) specific requirements should be available from the local government. Building Diagram Number (old EC) and the elevation difference between the lowest floor B. Specifications and the lowest adjacent grade (new EC) and highest adjacent grade are required. The specifications for floodproofing ensure that the building is watertight without human CERT 3 May 1, 2008 intervention, its floodproofed walls will not collapse, and the floor at the base of the floodproofed walls will resist flotation during flooding conditions. C. Rating In order to be eligible for lower rates, the insured must have a registered professional engineer or architect certify that the floodproofing conforms with the minimum floodproofing specifications of FEMA. This means that the building must be floodproofed to at least 1 foot above the BFE. If floodproofed to 1 foot above the BFE, flood depth, or comparable community-approved floodplain management standards, it can then be treated for rating purposes as having a "0" elevation difference from the BFE. This certification must be submitted with the Flood Insurance Application. To further illustrate, if the building is certified to be floodproofed to 2 feet above the BFE, flood depth, or comparable community approved floodplain management standards, whichever is highest, then it is credited for floodproofing and is to be treated for rating purposes as having a "+1" foot elevation. See pages RATE 31-32 for information on rounding elevations. D. Certification • Residential Buildings (With Basements) The Residential Basement Floodproofing Certificate is available for residential buildings with basements located in Zones A1-A30, AE, AR, AR Dual, AO, AH, and A with estimated BFE and located in a FEMA- approved community that is listed on the next page. To receive credit for flood- proofing, the completed certificate must be submitted. • Non-residential Buildings A completed Floodproofing Certificate for Non-residential Structures is required for all such buildings in Regular Program communities, located in Zones A1-A30, AE, AR, AR Dual, AO, AH, and A with estimated BFE, in order to receive credit for floodproofing in lieu of elevation. CERT 4 October 1, 2008 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 building/contents coverage or contents-only coverage under the PRP, the building must be in a B, C, or X Zone on the effective date of the policy. However, 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 October 1, 2008 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. • Residential condominium associations 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. 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 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 • 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 conventional Standard Flood Insurance Policy (SFIP). Effective May 1, 2008, if there has been a map change during the policy term that may affect the insured property, proof of the property’s continued eligibility for the PRP must be provided for the policy to be renewed. 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 $13.00 is included in the premium and is not subject to commission. • The ICC premium of $6.00 is included. IX. DEDUCTIBLES The standard deductible for PRPs is $500 each for building and contents, applied separately. Optional deductibles are not available for PRPs. 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. PRP 2 May 1, 2008 CANCELLATION/NULLIFICATION Flood insurance coverage may be terminated at any time, by either canceling or nullifying the policy, 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, 16, 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 the NFIP Bureau and Statistical Agent, Underwriting Department, P.O. Box 310, Lanham, MD 20703. 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. The insured must have a current NFIP policy to be eligible for a refund of any prior year’s premium. 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. y Type of Refund: Pro Rata y Years Eligible for Refund: Up to 2 years y Cancellation Request: Must be received within 1 year of date of sale or removal if the policy has expired y 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 CN 1 October 1, 2008 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. y Type of Refund: Pro Rata y Years Eligible for Refund: Up to 2 years y Cancellation Request: Must be received within 1 year of date of sale or removal y 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. y Type of Refund: Pro Rata y Years Eligible for Refund: Current year y Cancellation Request: Must be received within 1 year of the new policy effective date y 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. y Type of Refund: Pro Rata y Years Eligible for Refund: Up to 6 years y Cancellation Request: Must be received within 1 year of the policy expiration date y 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 WYO company has covered the premium for a prospective insured and then does not receive payment, the policy can be nullified. This reason cannot be used if the producer advanced agency funds and the client simply refused to pay the agency. y Type of Refund: Full CN 2 May 1, 2008 y Years Eligible for Refund: Current year y Cancellation Request: Must be received during the policy year y Documentation: Bank notice of nonpayment 6. Risk Not Eligible for Coverage. (TRRP reason 06) This reason is used to nullify a policy when an application was submitted and a policy issued on a property not eligible for coverage. A clear and precise explanation must be included when submitting this type of cancellation request. Examples include: -Property not located in a community participating in the NFIP. (The use of an incorrect community number allowed the policy to be issued.) -Contents located in an open building. -Property is located in a Coastal Barrier Resources System (CBRS) area. y Type of Refund: Full y Years Eligible for Refund: No limit, back to policy inception y Cancellation Request: Must be received within 1 year of the policy expiration date y Documentation: Tax records, Section 1316 declaration, or CBRA determination, as appropriate, or photographs showing ineligibility 7. Property Closing Did Not Occur. (TRRP reason 08) This reason is used to nullify a policy when a policy is issued for a closing at the time of settlement on a property and the transfer of the property does not take place. The client does not actually acquire an insurable interest in the property. y Type of Refund: Full y Years Eligible for Refund: Current year y Cancellation Request: Must be received during the policy year y Documentation: Statement from title company, lender, or attorney representing the interests of title company, lender, or insured, that the property closing did not occur 8. Policy Not Required by Mortgagee. (TRRP reason 50) This provides a means to cancel a policy when coverage was required by the mortgagee for a closing and it was later determined that the property was not located in a Special Flood Hazard Area (SFHA). As a result, coverage was not required by the mortgagee. The mortgagee’s statement to this effect must be attached to the Cancellation/Nullification Request Form. This cancellation reason can be used only if the cancellation request was made during the initial policy term. The cancellation effective date is the date the cancellation request is received by the writing company. A revised determination from the lender may be used to cancel the policy. A FEMA Out-As-Shown Determination, as a result of a LOMA application, is needed if there is a discrepancy between the lender’s and the insured’s determinations. NOTE: This cancellation reason may be used even if the policy was written as being in a non-SFHA. y Type of Refund: Pro Rata y Years Eligible for Refund: Current year y Cancellation Request: Must be received during the policy year y Documentation: Copy of original mandatory purchase document and current mortgagee statement that policy is not required; a revised determination from the lender showing that the building is not in an SFHA. 9. Insurance No Longer Required by Mortgagee Because Property Is No Longer Located in a Special Flood Hazard Area Because of a Physical Map Revision. (TRRP reason 09) Flood insurance was initially required by the mortgagee or other lender because the property was determined to be in an SFHA. Following the physical revision of a map, if the property is no longer located in an SFHA, then the policy may be canceled CN 3 May 1, 2008 provided the mortgagee confirms in writing that the insurance is no longer required because the property was removed from the SFHA. 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 specifies the owner of each unit. y Type of Refund: Full y Years Eligible for Refund: Current year and for an additional policy year in those cases where the insured had been required to renew the policy during the 6 months before or after the effective date of the revised map, provided no claim has been paid or is pending during the policy year that is being canceled y Cancellation Request: Must be received during the policy year or within 6 months of the policy expiration date y Documentation: Statement from mortgagee that insurance was required as part of mortgage but is no longer required, and a copy of the revised map 10. Condominium Policy (Unit or Association) Converting to RCBAP. (TRRP reason 45) This provides a means to cancel a condominium policy because coverage is being provided under an RCBAP. Duplicate coverage occurs when the unit owner policy and the RCBAP limits are more than the cost of the unit, up to the maximum limits of the Program. y Type of Refund: A pro rata premium refund, including Federal Policy Fee and Probation Surcharge, is provided. y Years Eligible for Refund: Up to 6 years y Cancellation Request: Must be received within 1 year of the policy expiration date .. Documentation: Copy of RCBAP and value of unit 12. Mortgage Paid Off. (TRRP reason 52) This reason is used to cancel a policy that was obtained due to a requirement by a mortgagee or lender as a condition of a mortgage loan, and that mortgage loan has now been paid off, provided no claim has been paid or is pending. y Type of Refund: Pro Rata y Years Eligible for Refund: Current year y 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. y Documentation: Statement from mortgagee that mortgage has been paid off and that flood insurance was required as part of mortgage 13. Voidance Prior to Effective Date. (TRRP reason 60) This reason is used when coverage is not mandatory and a policyholder decides during the 30-day waiting period, or prior to the effective date of a renewal, not to take the policy, after submitting a premium payment. y Type of Refund: Full y Years Eligible for Refund: Current year y Cancellation Request: Must be received prior to the policy effective date y 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. y Type of Refund: Full y Years Eligible for Refund: Current year y Cancellation Request: Must be received during the policy year y Documentation: Credit card notice of non-payment CN 4 October 1, 2008 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. y Type of Refund: Full y Years Eligible for Refund: Current year provided no claim has been paid or is pending y Cancellation Request: Must be received during the policy year or within 6 months of the policy expiration date y 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. y Type of Refund: Pro Rata y Years Eligible for Refund: Current year y 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. y 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. y Type of Refund: Pro Rata y 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. y 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. 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 CN 5 May 1, 2008 • Years Eligible for Refund: Current year and, if applicable, 1 prior year provided the LOMA became effective 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 • Cancellation Request: Must be received during the policy year or within 6 months of the policy expiration date y 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 a 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: ¾ 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. The NFIP Servicing Agent and the WYO Companies may accept zone determinations in lieu of the documentation cited above for these situations. 20. Policy Was Written to the Wrong Facility (Severe Repetitive Loss Property). (TRRP reason 21) This reason is used to cancel a policy flat when coverage was inadvertently written to the wrong facility on those structures that were identified as part of the Severe Repetitive Loss Properties. The cancellation effective date must be the same as the policy effective date. y Type of Refund: Full y Years Eligible for Refund: Current year y Cancellation Request: Must be received during the policy year y Documentation: Report provided by the NFIP Bureau and Statistical Agent identifying the building as a Severe Repetitive Loss Property 21. Other: Continuous Lake Flooding or Closed Basin Lakes. (TRRP reason 10) This cancellation code is used for continuous lake flooding or closed basin lakes. The cancellation can be for only one term of a policy. The cancellation effective date must be after the date of loss. y Type of Refund: No refund allowed y Years Eligible for Refund: N/A y Cancellation Request: N/A y Documentation: FEMA notification CN 6 October 1, 2008 22. Cancel/Rewrite Due to Misrating. (TRRP reason 22) This reason code is used when ineligible PRPs or MPPP policies are canceled and rewritten within the same company and when changes are made due to system constraints. The code should also be used to cancel a standard policy that is eligible for a PRP. Refunds resulting from the cancellation must be applied to the rewritten policy prior to any refund being generated. Use New/Rollover Indicator “Z” to report the new policy. y Type of Refund: Full y Years Eligible for Refund: Up to 6 years y Cancellation Request: N/A y Documentation: LOMA, LOMR, zone determination, copy of map, etc. 23. Fraud. (TRRP reason 23) This reason code is used when fraud has been determined by FEMA. No premium refund is allowed with this reason code. The agent will retain the full commission, and the company’s expense allowance will not be reduced. y Type of Refund: No refund allowed y Years Eligible for Refund: N/A y Cancellation Request: N/A y Documentation: FEMA notification 24. Cancel/Rewrite Due to Map Revision, LOMA, or LOMR. (TRRP reason 24) This reason code is used to cancel and rewrite a standard flood insurance policy to a PRP within the same company as the result of a map revision, LOMA, or LOMR. The standard policy will be canceled and rewritten as a PRP as of inception. Use New/Rollover Indicator “Z” to report the new policy. Premium from the canceled policy will be applied to the PRP with the difference refunded to the policyholder. No 30-day waiting period will apply to the PRP. The agent will retain the full commission, and the company’s expense allowance will not be reduced. This rule applies to the current policy year and one prior year provided that the effective date of the map revision or LOMA/LOMR occurred during the prior year. y Type of Refund: Full y Years Eligible for Refund: 2 y Cancellation Request: Must be received during the policy year or within 6 months of the policy expiration date y Documentation: Copy of revised map, LOMA, or LOMR. II. COMPLETING THE CANCELLATION/ NULLIFICATION REQUEST FORM A. Current Policy Number In the upper right corner of the form, enter the NFIP policy number. B. Policy Term Enter the policy term and the cancellation effective date. C. Agent Information Enter the complete name, mailing address, phone number, and fax number of the producer. D. Insured Mail Address Enter the complete name, mailing address, and phone number of the insured. If the insured has moved to a new location, enter the new mailing address. E. First Mortgagee Enter the complete name, mailing address, phone number, and fax number of the first mortgagee. F. Other Parties Notified Enter the complete name and mailing address of all other interested parties who are to be notified, such as any additional insured, the second mortgagee, the loss payee, trustee, or disaster assistance agency. G. Property Location Enter the location of the insured property. CN 7 May 1, 2008 H. Cancellation Reason Code Check the reason for cancellation of the policy and provide any additional information required. I. Refund Check the appropriate box to indicate to whom the refund is to be made payable. When a Cancellation/Nullification Request Form is received that directs the NFIP to make a premium refund to the PAYOR and the policy has been endorsed showing the PAYOR as a WYO Company or agency, the NFIP will make the refund payable to the insured and mail the refund in care of the producer. Check the appropriate box to indicate to whom the refund should be mailed. J. Signature The insured must sign and date the Cancellation/Nullification Request Form for all cancellation reason codes except 5, 6, and 22. The producer must sign, date, and enter a Tax I.D. Number in every case. 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. After completing the form, attach all required supporting documents and mail the original to the NFIP. The producer should retain the second copy, give the third copy to the insured, and the fourth copy to the mortgagee. After processing the Cancellation/Nullification Request Form, the NFIP will send the producer, mortgagee, and insured a notice of cancellation. CN 8 October 1, 2008 alpha designation. All the area within the boundaries indicated for a zone carries that one zone designation. • Base Flood Elevations in SFHA zones (A1A30 [or AE], AH, V1-V30 [or VE]) are shown within wavy lines. In some SFHA zones, where the BFE does not vary within the entire zone, the BFE is indicated in parentheses. If required by terrain, a BFE for the property may be interpolated using the closest BFE indicators. In this case, it is important to document the finding. IV. CHANGING OR CORRECTING A FLOOD MAP There are three procedures: A. Letter of Map Amendment (LOMA) If the applicant/insured believes that the requirement to purchase flood insurance was made in error and there is evidence that the building is not in the Special Flood Hazard Area (SFHA) on the effective Flood Insurance Rate Map (FIRM), the applicant/insured may apply for a Letter of Map Amendment (LOMA). A LOMA is a determination made by the Federal Emergency Management Agency (FEMA) for property and/or building as to whether it is located within the SFHA. LOMA determinations are based on the following: • Comparing the location of the property to the SFHA. • Comparing the elevation of the property to the 1-percent-annual-chance flood elevation. If, after plotting the location on the FIRM, the FEMA examiner finds that the property and/or building is not shown in the SFHA, then the Determination will be "Out As Shown," rather than "Removed." The FEMA Out-As-Shown Determination will state that the property or building is correctly shown outside the SFHA and, therefore, the mandatory flood insurance requirement does not apply. An Out-As-Shown Determination does not require elevations. The minimum requirements to make an Out-As-Shown Determination are as follows: • A photocopy of the FIRM panel (including the title block) that shows the area in which the property is located. • Section A of the MT-EZ form, which is found in the MT-EZ application package and can be obtained from the FEMA web site at www.fema.gov/plan/prevent/fhm/dl_mt ez.shtm, or by calling the toll-free number listed below. • A copy of the subdivision Plat Map of the area, showing the recordation data (i.e., Book/Volume and Page numbers) and containing the recorder's seal. OR • A copy of the deed for the property, showing the recordation information (i.e., Book/ Volume and Page numbers) and containing the recorder's seal, accompanied by a tax assessor's or other suitable map showing the surveyed location of the property and at least two street intersections that are also shown on FEMA's FIRM. In some cases, additional information may be required to make a determination. Questions about LOMAs may be directed to the FEMA Map Assistance Center toll-free information line at 1-877-FEMA-MAP (1-877336-2627). B. Letter of Map Revision (LOMR) A LOMR is an official revision to the currently effective FEMA map. It is used to change flood zones, floodplain and floodway delineations, flood elevations, and planimetric features. All requests for LOMRs must be made to FEMA through the chief executive officer of the community, since it is the community that must adopt any changes and revisions to the map. A LOMR is usually followed by a physical map revision. C. Physical Map Revision A physical map revision is an official republication of a map to effect changes to flood insurance zones, floodplain delineations, flood elevations, floodways, and planimetric features. The community's chief executive officer can submit scientific and technical data to FEMA to support the request for a map revision. The data will be analyzed, and the map will be revised if warranted. NOTE: To verify past rating determinations and to establish floodplain management compliance requirements, old maps should be retained. MAP 3 May 1, 2008 V. ORDERING FLOOD MAPS Flood maps and related products may be ordered by writing to the FEMA Map Service Center (MSC) at P.O. Box 1038, Jessup, MD 20794-1038. Orders also may be placed by calling the MSC's toll-free number, 1-800-3589616, from 8:00 a.m. to 8:00 p.m., Monday through Friday. Information about flood maps and other products also is available at the Map Service Center web site (http://msc.fema.gov). Visitors to the site now can download and print free “FIRMettes”—userselected portions of official FEMA Flood Insurance Rate Maps. Regular visitors may set up accounts to order and pay for fee-based products online. The MSC distributes Flood Hazard Boundary Maps (FHBMs), Flood Insurance Rate Maps (FIRMs), and Flood Insurance Studies (FIS) in hardcopy format. Digital flood data, known as Q3, are available on CD ROM for approximately 900 counties nationwide. The Q3 data require GIS software for use. Call the MSC at 1-800358-9616 for Q3 information for specific areas. A. Ordering Instructions Z-fold maps may be ordered by community number and panel number. Flat map orders require a 6-digit community number. When ordering maps, be sure to identify specific map panels needed. B. Prices There is a $4.00 charge for each hardcopy map panel, including index maps, plus shipping. Q3 data are $50 per CD-ROM. Federal, state, and local governments are exempt from the fees for hardcopy maps. However, they must pay for Q3 CD-ROMs. A chart showing MSC products, services, and fees is provided on pages MAP 5-6. Orders must be prepaid, and all sales are final. Overpayments of less than $3 are not refunded. The MSC accepts VISA, MasterCard, American Express, Discover, and Diners Club; deposit accounts (see C., following); and checks. Credit card and deposit account orders can be faxed to 1-800-358-9620. Checks should be made payable to "NFIP" and mailed to the address above. C. Map Revisions To automatically receive map revisions, an account must be set up by either check or credit card. Accounts are established with a check of $1,500 minimum. The check should be sent to the MSC at the address above, along with a list of the required map areas. As the revised maps become available, they will be sent automatically, and appropriate fees will be deducted from the deposit account. Revised map information also may be obtained from the Flood Map Status Information Service (FMSIS) or the Community Status Book. For more information, call MSC at 1-800-358-9616. MAP 4 October 1, 2008 MSC Products, Services, and Fees http://msc.fema.gov MAP 5 October 1, 2008 MAP 6 May 1, 2008 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 crawl spaces with certification from a community official (see IV.M., page APP 6). 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. CRS 1 October 1, 2008 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY CURRENT EFFECTIVE CURRENT CLASS % DISCOUNT FOR % DISCOUNT FOR STATUS3 DATE DATE SFHA1 NON-SFHA2 010146 010071 015000 010116 010418 010176 015005 015006 010123 010153 015007 015011 010189 010002 010070 020005 020012 020003 020069 020113 020094 040013 040014 040131 040080 040040 040094 040095 040012 040019 040061 040020 040028 040044 040045 040067 040037 040048 040058 040066 040051 040073 040098 040090 045012 040130 Alabama Athens, City of Atmore, City of Baldwin County Birmingham, City of Dauphin Island, Town of Decatur, City ofGulf Shores, Town of Homewood, City of Hoover, City of Huntsville, City of Mobile, City of Orange Beach, City of Pell City, City of Prattville, City of Wetumpka, City of Alaska Anchorage, Municipality of Kenai Peninsula, Borough of Ketchikan, Borough of Nome, City of Seward, City of Valdez, City of Arizona Benson, Town of Bisbee, City of Camp Verde, Town of Casa Grande, City of Chandler, City of Chino Valley, Town of Clarkdale, Town ofCochise County Coconino County Dewey-Humboldt, Town of Flagstaff, City of Gila County Gilbert, Town of Glendale, City of Holbrook, City of Maricopa County Mesa, City of Mohave County Navajo County Phoenix, City of Pima County Prescott, City of Santa Cruz County Scottsdale, City of Sedona, City of 10/1/91 05/1/02 10/1/95 10/1/94 04/1/01 10/1/91 10/1/93 10/1/01 10/1/91 10/1/91 10/1/92 10/1/91 10/1/92 10/1/91 10/1/91 10/1/95 04/1/00 10/1/05 10/1/05 10/1/05 10/1/92 10/1/91 10/1/91 10/1/91 10/1/91 10/1/91 10/1/91 10/1/91 10/1/91 10/1/91 10/1/07 10/1/91 10/1/91 10/1/91 10/1/91 10/1/95 10/1/91 10/1/91 10/1/95 10/1/92 10/1/92 10/1/91 10/1/91 10/1/03 10/1/91 10/1/91 10/1/98 05/1/02 10/1/08 10/1/05 04/1/01 10/1/05 10/1/93 10/1/01 10/1/91 05/1/03 10/1/93 10/1/07 10/1/92 05/1/08 10/1/91 10/1/04 04/1/00 10/1/05 10/1/07 10/1/05 10/1/92 10/1/92 10/1/92 10/1/96 10/1/01 05/1/04 10/1/93 10/1/96 10/1/91 10/1/99 10/1/07 10/1/07 10/1/92 10/1/92 10/1/99 10/1/00 05/1/02 04/1/98 10/1/05 05/1/08 10/1/02 05/1/07 10/1/01 05/1/08 10/1/07 10/1/91 10 8 7 6 8 10 9 9 9 7 10 7 9 8 9 7 8 9 8 9 9 10 10 8 8 7 8 8 9 8 8 7 10 8 8 8 5 10 8 8 6 5 8 7 6 9 0 10 15 20 10 0 5 5 5 15 0 15 5 10 5 15 10 5 10 5 5 0 0 10 10 15 10 10 5 10 10 15 0 10 10 10 25 0 10 10 20 25 10 15 20 5 0 5 5 10 5 0 5 5 5 5 0 5 5 5 5 5 5 5 5 5 5 0 0 5 5 5 5 5 5 5 5 5 0 5 5 5 10 0 5 5 10 10 5 5 10 5 R C C C C R C C C C R C C C C C C C C C C R R C C C C C C C C C R C C C C R C C C C C C C 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, 2008 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY CURRENT EFFECTIVE CURRENT CLASS % DISCOUNT FOR % DISCOUNT FOR STATUS3 DATE DATE SFHA1 NON-SFHA2 Arizona (continued) 040069 Show Low, City of 10/1/91 10/1/91 9 5 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 10/1/91 10/1/07 7 15 5 C Arkansas 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 050055 West Memphis, City of 10/1/92 10/1/02 8 10 5 C California 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 05/1/08 8 10 5 C 060339 Cupertino, City of 10/1/05 10/1/05 8 10 5 C 060370 Fairfield, City of 10/1/92 05/1/02 8 10 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 10/1/06 8 10 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 060344 Milpitas, City of 10/1/91 05/1/07 6 20 10 C 060735 Mission Viejo, City of 10/1/05 10/1/05 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, 2008 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY CURRENT EFFECTIVE CURRENT CLASS % DISCOUNT FOR % DISCOUNT FOR STATUS3 DATE DATE SFHA1 NON-SFHA2 California (continued) 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 10/1/06 8 10 5 C 060227 Newport Beach, City of 10/1/93 05/1/08 8 10 5 C 060178 Novato, City of 10/1/95 05/1/07 8 10 5 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 10/1/07 8 10 5 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 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 10/1/02 5 25 10 C 060202 Salinas, City of 10/1/91 10/1/02 7 15 5 C 060284 San Diego County 10/1/94 05/1/08 9 5 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 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 10/1/07 7 15 5 C 060729 Santa Clarita, City of 10/1/01 10/1/01 9 5 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 10/1/93 9 5 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 05/1/08 8 10 5 C 060394 Sutter County 10/1/08 10/1/08 8 10 5 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 060238 Yorba Linda, City of 10/1/93 10/1/04 10 0 0 R 060396 Yuba City, City of 10/1/07 10/1/08 7 15 5 C 060427 Yuba County 10/1/03 05/1/08 8 10 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, 2008 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY CURRENT EFFECTIVE CURRENT CLASS % DISCOUNT FOR % DISCOUNT FOR STATUS3 DATE DATE SFHA1 NON-SFHA2 Colorado 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 05/1/06 6 20 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 080013 Cherry Hills Village, City of 10/1/96 10/1/01 8 10 5 C 080060 Colorado Springs, City of 10/1/92 05/1/07 8 10 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 10/1/96 9 5 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 05/1/07 8 10 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 05/1/07 8 10 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 10/1/03 9 5 5 C 080080 Gunnison, City of 10/1/95 10/1/95 9 5 5 C 080078 Gunnison County 10/1/94 10/1/94 9 5 5 C 080087 Jefferson County 10/1/05 10/1/05 9 5 5 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 080063 Manitou Springs, City of 10/1/92 05/1/07 8 10 5 C 080115 Mesa County 05/1/06 05/1/06 9 5 5 C 080064 Monument, Town of 10/1/03 10/1/03 9 5 5 C 080092 Morrison, Town of 10/1/96 10/1/96 9 5 5 C 080065 Palmer Lake, Town of 10/1/03 10/1/03 9 5 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 080201 Silverthorne, Town of 10/1/96 10/1/96 9 5 5 C 080159 Steamboat Springs, Town of 10/1/93 10/1/93 9 5 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 10/1/91 10/1/96 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 5 October 1, 2008 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY CURRENT EFFECTIVE CURRENT CLASS % DISCOUNT FOR % DISCOUNT FOR STATUS3 DATE DATE SFHA1 NON-SFHA2 090074 090076 090096 090078 090011 090012 090015 090193 090106 095082 090070 090019 100056 105084 100041 100026 100025 105086 100048 100051 120001 120290 125087 120180 120075 120193 120676 120419 120636 120004 120637 125089 120195 120680 120196 120155 125091 125092 125093 120005 125094 125095 120090 120061 120063 120064 Connecticut Cheshire, Town of East Haven, Town of East Lyme, Town of Hamden, Town of Newtown, Town ofNorwalk, City of Stamford, City of Stonington, Borough ofStonington, Town ofWest Hartford, Town of Westbrook, Town ofWestport, Town of Delaware Dewey Beach, Town of Fenwick Island, Town of Lewes, City of New Castle, City ofNewark, City of Rehoboth Beach, City of Seaford, City ofSouth Bethany, Town of Florida Alachua County Altamonte Springs, City of Anna Maria, City ofApopka, City of Atlantic Beach, City of Atlantis, City of Aventura, City ofBaker County Bal Harbour, Village of Bay County Bay Harbor Islands, Town of Belleair Beach, City of Boca Raton, City of Bonita Springs, City of Boynton Beach, City of Bradenton, City ofBradenton Beach, City of Brevard County Broward County Callaway, City of Cape Canaveral, City of Cape Coral, City of Carrabelle, City of Charlotte County Citrus County Clay County 10/1/93 10/1/03 10/1/91 10/1/93 10/1/91 10/1/93 10/1/02 10/1/04 05/1/04 10/1/91 05/1/05 10/1/95 10/1/94 10/1/94 10/1/92 10/1/94 10/1/92 10/1/94 10/1/96 10/1/07 10/1/95 10/1/94 10/1/91 10/1/93 10/1/05 10/1/92 10/1/00 10/1/01 10/1/96 10/1/93 10/1/94 10/1/92 10/1/92 05/1/06 10/1/91 10/1/91 10/1/91 10/1/91 10/1/92 10/1/93 10/1/93 10/1/91 10/1/93 10/1/92 10/1/01 10/1/96 10/1/03 10/1/04 10/1/91 10/1/06 10/1/91 10/1/98 10/1/02 10/1/04 05/1/04 10/1/07 05/1/05 10/1/00 10/1/99 10/1/04 10/1/92 10/1/99 10/1/01 10/1/95 10/1/96 10/1/07 10/1/06 10/1/96 10/1/07 10/1/07 10/1/05 05/1/08 05/1/05 10/1/01 10/1/97 10/1/08 10/1/99 10/1/01 05/1/08 05/1/06 10/1/93 10/1/00 05/1/08 10/1/06 10/1/96 05/1/08 05/1/08 05/1/07 10/1/93 05/1/04 10/1/01 10/1/05 10 8 9 10 9 10 7 9 9 8 9 8 8 8 9 8 7 8 9 8 7 8 5 7 8 8 7 8 8 5 7 7 8 7 8 7 6 7 8 8 8 6 9 5 7 7 0 10 5 0 5 0 15 5 5 10 5 10 10 10 5 10 15 10 5 10 15 10 25 15 10 10 15 10 10 25 15 15 10 15 10 15 20 15 10 10 10 20 5 25 15 15 0 5 5 0 5 0 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 10 5 5 5 5 5 5 10 5 5 5 5 5 5 10 5 5 5 5 10 5 10 5 5 R C C R C R C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C 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, 2008 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY CURRENT EFFECTIVE CURRENT CLASS % DISCOUNT FOR % DISCOUNT FOR STATUS3 DATE DATE SFHA1 NON-SFHA2 125096 120198 120020 125097 120031 120067 120070 120032 120639 120033 120034 120035 125099 125100 125101 125102 125158 125103 120308 120080 120146 120120 120172 120087 125105 125106 120673 120286 120174 120088 125107 120200 120642 120275 120098 125109 125108 125110 120103 120107 120110 120643 125111 120111 120040 120112 125112 125113 125114 120645 Florida (continued) Clearwater, City ofCloud Lake, Town of Cocoa, City of Cocoa Beach, City of Coconut Creek, City of Collier County Columbia County Cooper City, City of Coral Gables, City of Coral Springs, City of Dania Beach, City of Davie, Town of Daytona Beach, City of Daytona Beach Shores, City of Deerfield Beach, City of Delray Beach, City of Destin, City of Dunedin, City of Edgewater, City ofEscambia County Fanning Springs, Town of Fellsmere, City of Fernandina Beach, City of Flagler Beach, City of Fort Lauderdale, City of Fort Myers, City of Fort Myers Beach, Town of Fort Pierce, City of Fort Walton Beach, City of Franklin County Gainesville, City of Glen Ridge, Town of Golden Beach, Town of Gulf Breeze, City of Gulf County Gulf Stream, Town of Gulfport, City of Hallandale Beach, City of Hardee County Hendry County Hernando County Hialeah, City ofHighland Beach, Town of Highlands County Hillsboro Beach, Town of Hillsborough County Holly Hill, City of Hollywood, City ofHolmes Beach, City of Homestead, City of 10/1/91 10/1/94 10/1/94 10/1/94 10/1/92 10/1/92 10/1/96 10/1/92 10/1/93 10/1/92 10/1/93 10/1/94 10/1/94 10/1/92 10/1/92 10/1/94 10/1/94 10/1/92 10/1/92 10/1/91 10/1/93 10/1/99 10/1/92 10/1/95 10/1/92 10/1/93 10/1/99 10/1/92 10/1/92 10/1/93 10/1/92 10/1/94 10/1/93 10/1/93 10/1/93 10/1/99 10/1/93 10/1/94 10/1/96 10/1/00 10/1/92 10/1/93 10/1/93 10/1/94 10/1/94 10/1/92 10/1/94 10/1/92 10/1/91 05/1/06 10/1/00 10/1/96 10/1/04 10/1/04 10/1/01 10/1/95 10/1/05 05/1/08 10/1/98 10/1/94 10/1/93 10/1/05 10/1/08 05/1/07 10/1/93 10/1/94 05/1/04 05/1/07 10/1/97 10/1/05 10/1/08 10/1/04 10/1/02 10/1/00 05/1/08 10/1/98 10/1/99 10/1/01 10/1/02 10/1/02 10/1/06 10/1/06 10/1/02 05/1/08 05/1/07 10/1/99 10/1/03 10/1/08 05/1/04 10/1/00 10/1/05 05/1/08 10/1/93 10/1/04 10/1/94 10/1/07 10/1/94 10/1/07 05/1/06 05/1/06 7 8 10 10 7 7 8 8 8 8 9 7 6 7 8 9 7 7 8 7 8 9 7 7 7 8 7 8 7 8 7 10 10 8 8 8 7 6 10 8 7 7 9 8 9 5 9 7 7 8 15 10 0 0 15 15 10 10 10 10 5 15 20 15 10 5 15 15 10 15 10 5 15 15 15 10 15 10 15 10 15 0 0 10 10 10 15 20 0 10 15 15 5 10 5 25 5 15 15 10 5 5 0 0 5 5 5 5 5 5 5 5 10 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 0 0 5 5 5 5 10 0 5 5 5 5 5 5 10 5 5 5 5 C C R R C C C C C C C C C C C C C C C C C C C C C C C C C C C R R C C C C C R C C C C C C C C C C 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, 2008 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY CURRENT EFFECTIVE CURRENT CLASS % DISCOUNT FOR % DISCOUNT FOR STATUS3 DATE DATE SFHA1 NON-SFHA2 120207 120119 120121 125117 125118 120125 120077 120078 120331 120208 125119 120162 120245 120648 125121 120168 120190 120211 120421 120212 120213 120267 120214 125122 125123 120044 120169 125124 120145 125125 125126 120292 120009 125127 120149 120215 120153 120216 120426 120047 120160 120161 120337 120025 120650 120635 120651 120686 120652 120276 Florida (continued) Hypoluxo, Town ofIndian River County Indian River Shores, Town of Indian Rocks Beach, City of Indian Shores, Town of Jackson County Jacksonville, City ofJacksonville Beach, City of Jefferson County Juno Beach, Town of Jupiter, Town of Jupiter Island, Town of Kenneth City, Town ofKey Biscayne, Village of Key Colony Beach, City of Key West, City of Kissimmee, City ofLake Clarke Shores, Town of Lake County Lake Park, Town of Lake Worth, City ofLakeland, City ofLantana, Town of Largo, City of Lauderdale by the Sea, City of Lauderhill, City of Layton, City of Lee County Levy County Lighthouse Point, City of Longboat Key, Town of Longwood, City of Lynn Haven, City ofMadeira Beach, City of Madison County Manalapan, Town of Manatee County Mangonia Park, Town of Marco Island, City of Margate, City ofMarion County Martin County Mary Esther, City of Melbourne, City of Miami, City of Miami-Dade County Miami Beach, City of Miami Lakes, Town of Miami Shores Village, Village of Milton, City of 10/1/94 10/1/92 10/1/94 10/1/92 10/1/93 10/1/02 10/1/91 10/1/92 10/1/96 10/1/93 10/1/94 10/1/95 10/1/92 04/1/98 10/1/92 10/1/92 10/1/96 10/1/94 10/1/94 10/1/92 10/1/96 10/1/04 10/1/94 10/1/92 04/1/00 10/1/92 10/1/01 10/1/91 10/1/94 10/1/93 10/1/91 10/1/96 10/1/92 10/1/92 10/1/94 10/1/92 10/1/91 10/1/94 10/1/00 10/1/92 10/1/94 10/1/92 10/1/07 10/1/93 10/1/94 10/1/94 10/1/96 10/1/06 10/1/00 10/1/07 10/1/96 10/1/07 10/1/95 10/1/93 10/1/05 05/1/07 10/1/02 10/1/02 10/1/96 10/1/07 10/1/00 10/1/00 05/1/06 10/1/07 05/1/08 10/1/99 10/1/01 10/1/94 10/1/97 10/1/92 10/1/96 10/1/04 10/1/94 10/1/08 05/1/05 05/1/08 05/1/08 10/1/07 10/1/99 10/1/94 10/1/05 10/1/96 05/1/07 10/1/93 10/1/00 05/1/08 10/1/05 10/1/94 10/1/05 10/1/95 10/1/94 10/1/00 10/1/07 05/1/08 10/1/99 10/1/03 10/1/01 10/1/06 10/1/00 10/1/07 8 6 8 8 6 8 7 8 9 5 7 8 8 7 8 10 8 9 8 9 9 8 9 6 8 9 8 5 8 8 6 9 8 8 8 9 6 9 6 8 9 7 8 8 8 5 7 6 8 8 10 20 10 10 20 10 15 10 5 25 15 10 10 15 10 0 10 5 10 5 5 10 5 20 10 5 10 25 10 10 20 5 10 10 10 5 20 5 20 10 5 15 10 10 10 25 15 20 10 10 5 10 5 5 10 5 5 5 5 10 5 5 5 5 5 0 5 5 5 5 5 5 5 10 5 5 5 10 5 5 10 5 5 5 5 5 10 5 10 5 5 5 5 5 5 10 5 10 5 5 C C C C C C C C C C C C C C C R C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C 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, 2008 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY CURRENT EFFECTIVE CURRENT CLASS % DISCOUNT FOR % DISCOUNT FOR STATUS3 DATE DATE SFHA1 NON-SFHA2 Florida (continued) 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 04/1/98 8 10 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 10/1/99 8 10 5 C 120279 North Port, City of 10/1/92 05/1/07 7 15 5 C 125133 North Redington Beach, 10/1/92 05/1/08 8 10 5 C Town of 120050 Oakland Park, City of 10/1/94 10/1/05 8 10 5 C 120330 Ocala, City of 10/1/91 10/1/01 8 10 5 C 125134 Ocean Ridge, Town of 10/1/92 01/1/98 8 10 5 C 120173 Okaloosa County 10/1/95 10/1/05 6 20 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 05/1/04 7 15 5 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 10/1/91 05/1/03 8 10 5 C Island Authority 125139 Pinellas County 10/1/93 10/1/94 8 10 5 C 120251 Pinellas Park, City of 10/1/91 10/1/96 7 15 5 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 05/1/04 7 15 5 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 10/1/94 9 5 5 C 120287 Port St. Lucie, City of 10/1/91 10/1/96 8 10 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, 2008 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY CURRENT EFFECTIVE CURRENT CLASS % DISCOUNT FOR % DISCOUNT FOR STATUS3 DATE DATE SFHA1 NON-SFHA2 120062 125140 125141 120027 125143 120402 120274 125150 125144 120028 120123 120289 120164 120579 120314 120658 120227 125151 125145 125146 120191 125147 120285 120316 125149 125148 120296 120688 120328 120659 120300 120144 120058 120114 120259 120302 120115 120228 125152 125153 125154 120124 125155 120315 125157 120229 120295 120147 Florida (continued) Punta Gorda, City of Redington Beach, Town of Redington Shores, Town of Rockledge, City of Safety Harbor, City of Sanibel, City of Santa Rosa County Sarasota, City of Sarasota County Satellite Beach, City of Sebastian, City of Seminole County Sewall’s Point, Town of Shalimar, Town of South Daytona, City of South Miami, City of South Palm Beach, Town of South Pasadena, City of St. Augustine, City of St. Augustine Beach, City of St. Cloud, City of St. Johns County St. Lucie County St. Marks, Town of St. Pete Beach, City of St. Petersburg, City of Sumter County Sunny Isles Beach, City of Sunrise, City ofSurfside, Town of Suwannee County Tallahassee, City of Tamarac, City of Tampa, City of Tarpon Springs, City of Taylor County Temple Terrace, City of Tequesta, Village ofTitusville, City of Treasure Island, City of Venice, City of Vero Beach, City of Volusia County Wakulla County Wellington, Village ofWest Palm Beach, City of Winter Springs, City of Yankeetown, Town of 10/1/92 10/1/93 10/1/92 10/1/91 10/1/92 10/1/91 10/1/93 10/1/91 10/1/92 10/1/92 10/1/92 10/1/91 10/1/96 10/1/95 10/1/92 10/1/93 10/1/93 10/1/92 10/1/92 10/1/93 10/1/93 10/1/95 10/1/94 10/1/93 10/1/91 10/1/92 10/1/95 10/1/07 10/1/92 10/1/93 10/1/96 10/1/94 10/1/92 10/1/91 10/1/92 10/1/96 10/1/93 10/1/92 10/1/92 10/1/92 10/1/91 10/1/93 10/1/93 10/1/93 10/1/03 10/1/92 10/1/93 10/1/94 10/1/02 05/1/08 10/1/93 10/1/96 10/1/96 10/1/96 10/1/08 10/1/96 05/1/07 10/1/92 10/1/06 10/1/00 10/1/97 10/1/00 10/1/02 10/1/95 10/1/08 10/1/98 10/1/97 05/1/08 05/1/08 05/1/07 10/1/96 10/1/08 10/1/92 05/1/02 05/1/97 10/1/07 10/1/02 10/1/08 10/1/00 10/1/06 05/1/06 10/1/00 10/1/93 10/1/96 10/1/03 05/1/07 10/1/97 10/1/99 10/1/05 10/1/98 10/1/08 10/1/08 10/1/08 10/1/06 05/1/08 10/1/08 6 8 8 8 8 5 6 7 5 9 8 7 8 8 7 8 8 8 8 8 8 6 8 8 8 7 8 8 7 10 8 6 7 7 8 9 8 10 8 7 6 8 6 7 7 6 7 6 20 10 10 10 10 25 20 15 25 5 10 15 10 10 15 10 10 10 10 10 10 20 10 10 10 15 10 10 15 0 10 20 15 15 10 5 10 0 10 15 20 10 20 15 15 20 15 20 10 5 5 5 5 10 10 5 10 5 5 5 5 5 5 5 5 5 5 5 5 10 5 5 5 5 5 5 5 0 5 10 5 5 5 5 5 0 5 5 10 5 10 5 5 10 5 10 C C C C C C C C C C C C C C C C C C C C C C C C C C C C C R C C C C C C C R C C C C C C C C C 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 10 October 1, 2008 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY CURRENT EFFECTIVE CURRENT CLASS % DISCOUNT FOR % DISCOUNT FOR STATUS3 DATE DATE SFHA1 NON-SFHA2 130075 130093 130209 130030 130424 130052 130086 130059 135158 130144 130504 135159 130065 130074 130306 130098 130432 130431 135160 130092 130165 130322 130201 130147 130078 130261 130088 135163 130171 135164 130025 130196 150003 160001 160009 165167 160002 160206 160209 160003 160212 160004 160127 160022 160131 160023 Georgia Albany, City of Brunswick, City of Cartersville, City ofChatham County Cherokee County Cobb County College Park, City of Columbia County Columbus, City of Covington, City of Crisp County Decatur, City ofDekalb County Dougherty County Douglas County Duluth, City of Fayette County Fayetteville, City of Fulton County Glynn County Griffin, City of Gwinnett County Jekyll Island, State Park Auth Paulding County Peachtree City, City of Pooler, Town of Roswell, City ofSavannah, City of Tifton, City of Tybee Island, City of Waynesboro, City of Worth County Hawaii Maui County Idaho Ada County Bannock County Blaine County Boise, City of Bonner County Caribou County Eagle, City of Elmore County Garden City, City ofGem County Hailey, City of Kellogg, City of Ketchum, City of 10/1/94 10/1/93 05/1/05 10/1/91 05/1/05 10/1/91 10/1/92 04/1/99 10/1/91 10/1/93 05/1/05 10/1/93 10/1/92 10/1/93 10/1/95 10/1/97 05/1/04 05/1/06 04/1/00 10/1/92 10/1/08 10/1/94 10/1/93 10/1/91 10/1/93 10/1/93 10/1/91 10/1/92 10/1/08 10/1/93 10/1/91 05/1/03 10/1/95 10/1/94 10/1/94 10/1/94 10/1/91 10/1/05 05/1/06 04/1/00 10/1/94 10/1/98 05/1/08 10/1/92 10/1/92 10/1/92 10/1/94 10/1/93 05/1/05 05/1/04 05/1/05 10/1/97 10/1/02 05/1/04 10/1/93 10/1/93 05/1/05 10/1/05 10/1/08 10/1/03 10/1/00 10/1/08 05/1/04 05/1/06 04/1/00 10/1/96 10/1/08 05/1/04 05/1/06 10/1/96 10/1/03 10/1/95 10/1/96 10/1/98 10/1/08 10/1/07 10/1/97 05/1/03 10/1/00 10/1/99 10/1/99 10/1/99 04/1/01 10/1/05 05/1/06 04/1/00 04/1/01 10/1/08 05/1/08 10/1/97 10/1/07 10/1/07 9 9 9 7 8 8 6 8 8 9 9 7 7 7 8 8 7 8 9 8 7 8 6 10 7 8 7 8 8 7 10 9 8 7 8 8 6 9 9 6 8 9 9 8 9 9 5 5 5 15 10 10 20 10 10 5 5 15 15 15 10 10 15 10 5 10 15 10 20 0 15 10 15 10 10 15 0 5 10 15 10 10 20 5 5 20 10 5 5 10 5 5 5 5 5 5 5 5 10 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 10 0 5 5 5 5 5 5 0 5 5 5 5 5 10 5 5 10 5 5 5 5 5 5 C C C C C C C C C C C C C C C C C C C C C C C R C C C C C C R C C C C C C C C C C C C C C 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 11 October 1, 2008 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY CURRENT EFFECTIVE CURRENT CLASS % DISCOUNT FOR % DISCOUNT FOR STATUS3 DATE DATE SFHA1 NON-SFHA2 160076 160090 160058 160101 160012 160114 160024 160120 160220 170001 170198 170059 170072 170298 170322 170078 170361 170182 170081 170204 170091 170206 170107 170357 170481 170400 170116 170378 170211 170129 170213 170822 170132 170214 170172 175170 170533 170919 170387 170582 170912 170163 170330 170333 170169 170173 170687 170222 Idaho (continued) Kootenai County Moscow, City of Mountain Home, City of Nez Perce County Pocatello, City of Shoshone County Sun Valley, City of Twin Falls, City of Valley County Illinois Adams County Addison, Village ofBartlett, Village of Calumet City, City of Carbondale, City ofCarpentersville, Village of Country Club Hills, City of Deerfield, Village of DeKalb, City of Des Plaines, City of Downers Grove, Village of Flossmoor, Village ofGlendale Heights, Village of Hoffman Estates, Village of Lake County Lake in the Hills, Village of LaSalle County Lansing, Village of Lincolnshire, Village of Lisle, Village of Mount Prospect, Village of Naperville, City of North Utica, Village of Northbrook, Village of Oak Brook, Village ofOrland Hills, Village of Palatine, Village of Peoria County Prospect Heights, City of Riverwoods, Village of Rock Island County Sangamon County South Holland, Village of St. Charles, City of Sugar Grove, Village of Tinley Park, City of Wheeling, Village of Whiteside County Willowbrook, Village of 10/1/92 10/1/94 10/1/94 10/1/01 10/1/94 10/1/94 10/1/94 10/1/94 10/1/94 10/1/96 10/1/91 10/1/91 10/1/00 10/1/02 10/1/06 10/1/93 10/1/95 05/1/05 10/1/93 10/1/91 10/1/93 10/1/94 10/1/92 10/1/08 05/1/08 05/1/05 10/1/93 10/1/93 10/1/91 10/1/91 10/1/91 05/1/05 10/1/94 10/1/92 10/1/96 10/1/94 10/1/92 10/1/94 05/1/07 10/1/06 04/1/00 10/1/92 10/1/94 10/1/06 10/1/05 10/1/91 10/1/07 10/1/91 10/1/08 10/1/99 10/1/99 10/1/06 10/1/99 10/1/94 10/1/99 10/1/94 10/1/99 10/1/01 10/1/97 05/1/04 05/1/03 10/1/08 10/1/06 10/1/94 05/1/08 05/1/05 10/1/03 10/1/08 05/1/08 05/1/04 10/1/02 10/1/08 05/1/08 05/1/05 10/1/01 10/1/03 10/1/08 10/1/02 10/1/97 05/1/05 05/1/04 10/1/97 10/1/02 05/1/04 10/1/97 05/1/04 05/1/07 10/1/06 04/1/00 10/1/02 10/1/04 10/1/06 10/1/05 05/1/07 10/1/07 10/1/02 10 8 8 7 8 9 8 9 7 8 7 7 6 10 8 8 6 8 7 8 8 7 7 7 7 9 7 5 6 7 10 9 7 7 5 7 8 8 8 7 8 5 8 7 7 7 8 6 0 10 10 15 10 5 10 5 15 10 15 15 20 0 10 10 20 10 15 10 10 15 15 15 15 5 15 25 20 15 0 5 15 15 25 15 10 10 10 15 10 25 10 15 15 15 10 20 0 5 5 5 5 5 5 5 5 5 5 5 10 0 5 5 10 5 5 5 5 5 5 5 5 5 5 10 10 5 0 5 5 5 10 5 5 5 5 5 5 10 5 5 5 5 5 10 R C C C C C C C C C C C C R C C C C C C C C C C C C C C C C R C C C C C C C C C C C C C C C C 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 12 October 1, 2008 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY CURRENT EFFECTIVE CURRENT CLASS % DISCOUNT FOR % DISCOUNT FOR STATUS3 DATE DATE SFHA1 NON-SFHA2 170224 180302 180150 180006 180007 180001 180257 180003 180080 180419 180159 180093 180121 180382 180082 180465 180122 180256 180263 190169 190242 190227 200250 200095 200096 200090 200215 200201 200173 200298 200177 205187 210017 210010 210219 210227 210062 210075 210280 210051 210055 210067 Illinois (continued) Wood Dale, City of Indiana Allen County Anderson, City ofBartholomew County Columbus, City of Decatur, City ofEvansville, City ofFort Wayne, City of Hamilton County Hancock County Indianapolis, City of Kokomo, City of Kosciusko, County ofMilford Junction, City of Noblesville, City of North Webster, City of Syracuse, City of Vanderburgh County Vigo County Iowa Coralville, City of Davenport, City of Des Moines, City of Kansas Carbondale, City ofEllis, City of Hayes, City of Lawrence, City ofLindsborg, City of Lyon County Olathe, City of Riley County Shawnee, City of Topeka, City of Kentucky Ashland, City of Bell County Bowling Green, City of Corbin, City of Daviess County Frankfort, City of Franklin County Grayson, City of Hopkinsville, City of Lexington-Fayette Urban County 10/1/99 10/1/02 05/1/07 10/1/93 10/1/98 10/1/93 10/1/99 10/1/91 10/1/91 10/1/03 10/1/07 10/1/95 10/1/97 10/1/97 10/1/91 10/1/97 10/1/97 04/1/99 10/1/95 10/1/92 10/1/95 10/1/91 10/1/92 10/1/07 10/1/92 10/1/04 10/1/92 10/1/07 10/1/93 10/1/92 10/1/91 10/1/92 10/1/92 10/1/94 10/1/91 10/1/93 05/1/03 10/1/92 10/1/93 10/1/92 10/1/91 10/1/91 10/1/04 05/1/08 05/1/07 10/1/93 10/1/98 05/1/08 10/1/04 05/1/07 05/1/04 10/1/06 10/1/07 10/1/96 05/1/08 05/1/08 10/1/06 05/1/08 05/1/08 04/1/99 10/1/05 10/1/96 05/1/08 05/1/08 10/1/96 10/1/07 10/1/03 10/1/04 10/1/92 10/1/07 10/1/93 10/1/93 10/1/01 10/1/01 10/1/97 10/1/97 10/1/06 10/1/94 05/1/05 10/1/92 10/1/97 10/1/92 10/1/96 10/1/07 5 9 8 9 9 8 8 8 7 8 8 8 9 8 5 8 8 8 10 10 8 7 10 9 10 8 9 9 9 10 8 10 10 10 7 10 8 9 10 9 10 7 25 5 10 5 5 10 10 10 15 10 10 10 5 10 25 10 10 10 0 0 10 15 0 5 0 10 5 5 5 0 10 0 0 0 15 0 10 5 0 5 0 15 10 5 5 5 5 5 5 5 5 5 5 5 5 5 10 5 5 5 0 0 5 5 0 5 0 5 5 5 5 0 5 0 0 0 5 0 5 5 0 5 0 5 C C C C C C C C C C C C C C C C C C R R C C R C R C C C C R C R R R C R C C R C R 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 13 October 1, 2008 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY CURRENT EFFECTIVE CURRENT CLASS % DISCOUNT FOR % DISCOUNT FOR STATUS3 DATE DATE SFHA1 NON-SFHA2 210120 210126 210063 210127 210298 210193 210072 210366 210203 210312 210097 220013 225193 220033 220361 220037 220200 220116 220027 220058 220117 220015 225198 225200 220220 225199 225201 225202 220040 220113 220248 220202 220136 220196 225203 220135 220119 220008 220347 220036 220204 220016 220160 220261 220164 225205 220206 Kentucky (continued) Louisville-Jefferson County Metro Government Nicholasville, City of Owensboro, City ofPaintsville, City of Pike County Pikeville, City of Prestonsburg, City of Radcliff, City of Rowan County Warren County West Point, City of Louisiana Ascension Parish Baker, City of Bossier City, City of Caddo Parish Calcasieu Parish Covington, City of Denham Springs, City of Deridder, City ofEast Baton Rouge Parish French Settlement, Village of Gonzales, City of Gretna, City of Harahan, City ofHouma, City of Jefferson Parish Kenner, City of Lafourche Parish Lake Charles, City of Livingston Parish Lutcher, Town of Mandeville, Town of Monroe, City of Morgan City, City ofNew Orleans/Orleans Parish Ouachita Parish Port Vincent, Village of Rayne, City of Ruston, City of Shreveport, City of Slidell, City of Sorrento, Town of St. Charles Parish St. James Parish St. John The Baptist Parish St. Tammany Parish Tangipahoa Parish 10/1/91 10/1/91 05/1/03 10/1/92 10/1/95 10/1/92 10/1/92 10/1/95 10/1/94 10/1/91 10/1/95 10/1/92 10/1/91 10/1/92 10/1/95 10/1/91 10/1/95 10/1/91 10/1/95 10/1/91 10/1/92 10/1/92 10/1/00 10/1/08 10/1/92 10/1/92 10/1/92 01/1/92 10/1/04 10/1/92 10/1/92 10/1/92 10/1/03 10/1/91 10/1/91 10/1/02 10/1/92 10/1/91 10/1/92 10/1/91 10/1/92 10/1/92 10/1/91 10/1/91 10/1/94 10/1/92 10/1/96 05/1/08 10/1/97 05/1/05 10/1/92 10/1/95 10/1/92 10/1/92 10/1/95 10/1/94 10/1/06 10/1/00 05/1/08 10/1/91 05/1/08 10/1/07 10/1/07 10/1/96 10/1/91 10/1/95 10/1/94 10/1/07 05/1/08 10/1/08 10/1/08 10/1/04 05/1/03 10/1/93 05/1/04 10/1/04 10/1/92 10/1/92 10/1/08 10/1/03 05/1/06 10/1/01 05/1/08 10/1/97 10/1/91 10/1/92 05/1/08 10/1/08 05/1/08 10/1/07 10/1/97 10/1/94 10/1/92 10/1/96 5 8 8 9 9 9 9 9 9 7 10 8 9 8 8 8 10 9 9 7 9 9 9 8 8 7 8 10 9 9 9 7 9 8 8 9 10 9 9 7 8 9 8 8 9 9 9 25 10 10 5 5 5 5 5 5 15 0 10 5 10 10 10 0 5 5 15 5 5 5 10 10 15 10 0 5 5 5 15 5 10 10 5 0 5 5 15 10 5 10 10 5 5 5 10 5 5 5 5 5 5 5 5 5 0 5 5 5 5 5 0 5 5 5 5 5 5 5 5 5 5 0 5 5 5 5 5 5 5 5 0 5 5 5 5 5 5 5 5 5 5 C C C C C C C C C C R C C C C C R C C C C C C C C C C R C C C C C C C C R C C C C C C C C C 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 14 October 1, 2008 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY CURRENT EFFECTIVE CURRENT CLASS % DISCOUNT FOR % DISCOUNT FOR STATUS3 DATE DATE SFHA1 NON-SFHA2 225206 220121 220239 220094 220061 230191 230208 230001 230043 230116 230057 230018 230209 230069 230004 230178 230632 230153 230112 230120 230051 230155 230128 230157 230293 230158 230159 240042 240011 240130 240015 240040 240044 240012 245207 245208 250286 250233 250004 250082 250008 250085 250269 250273 Louisiana (continued) Terrebonne Parish Walker, Town of West Baton Rouge Parish Westwego, City ofZachary, City of Maine Alfred, Town of Arrowsic, Town of Auburn, City of Cape Elizabeth, Town of Dover-Foxcroft, Town of Farmington, Town of Fort Fairfield, Town of Georgetown, Town ofHallowell, City of Lewiston, City of Norridgewock, City of Ogunquit, Town of Old Orchard Beach, Town of Old Town, City of Phippsburg, Town of Portland, City of Saco, City of Skowhegan, Town of South Berwick, Town of Southwest Harbor, Town of Wells, Town of York, Town of Maryland Bel Air, Town of Calvert County Caroline County Carroll County Harford County Howard County North Beach, City of Ocean City, Town of Prince George’s County Massachusetts Boston, City of Braintree, Town of Chatham, Town of Gloucester, City of Harwich, Town of Haverhill, City of Hull, Town of Marshfield, Town of 10/1/92 10/1/92 10/1/93 10/1/07 10/1/92 10/1/91 10/1/93 10/1/92 10/1/94 10/1/07 10/1/94 10/1/02 10/1/01 10/1/96 10/1/93 10/1/97 10/1/92 10/1/93 10/1/05 10/1/93 10/1/93 10/1/92 10/1/91 10/1/94 10/1/96 10/1/91 10/1/01 10/1/93 10/1/91 10/1/96 10/1/07 10/1/91 10/1/07 01/1/92 10/1/92 10/1/91 10/1/92 10/1/92 10/1/92 10/1/92 10/1/95 10/1/92 05/1/08 10/1/91 10/1/04 05/1/08 10/1/96 10/1/07 10/1/07 10/1/93 10/1/93 10/1/92 10/1/94 10/1/07 10/1/94 10/1/02 10/1/08 10/1/96 05/1/97 10/1/07 05/1/03 10/1/93 10/1/05 10/1/08 10/1/01 10/1/99 10/1/03 05/1/05 10/1/02 10/1/06 10/1/01 10/1/03 10/1/96 10/1/96 10/1/07 10/1/00 10/1/07 10/1/08 10/1/02 10/1/01 10/1/97 05/1/08 10/1/93 10/1/97 10/1/95 10/1/92 05/1/08 05/1/07 8 9 8 8 8 8 9 9 9 9 9 8 10 9 8 10 8 9 8 10 8 8 8 8 9 9 8 8 10 9 8 7 8 10 7 5 10 9 8 10 9 9 8 8 10 5 10 10 10 10 5 5 5 5 5 10 0 5 10 0 10 5 10 0 10 10 10 10 5 5 10 10 0 5 10 15 10 0 15 25 0 5 10 0 5 5 10 10 5 5 5 5 5 5 5 5 5 5 5 5 0 5 5 0 5 5 5 0 5 5 5 5 5 5 5 5 0 5 5 5 5 0 5 10 0 5 5 0 5 5 5 5 C C C C C C C C C C C C R C C R C C C R C C C C C C C C R C C C C R C C R C C R C C C 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 15 October 1, 2008 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY CURRENT EFFECTIVE CURRENT CLASS % DISCOUNT FOR % DISCOUNT FOR STATUS3 DATE DATE SFHA1 NON-SFHA2 250167 250060 250010 250278 255219 250282 250218 250349 260142 260473 260221 260172 260657 260226 260118 260150 260140 260175 260185 260577 260190 260305 260128 260243 260728 260503 260208 260285 275228 275236 275240 270307 275246 270729 285251 285252 280016 280366 280332 280179 285253 285255 280053 280070 Massachusetts (continued) Northampton, City of Norton, Town of Orleans, City of Plymouth, Town of Quincy, City of Scituate, Town of Tewksbury, Town of Worcester, City of Michigan Bedford, Township of Commerce, Township of Dearborn Heights, City of Farmington Hills, City of Fraser, Township of Gibraltar, City of Hamburg, Township of Luna Pier, City of Midland, City of Novi, City of Park, Township of Portage, City of Saginaw, Township of Saugatuck, City ofSterling Heights, City of Sumpter, Township of Taylor, City of Taymouth, Township of Vassar, City of Zilwaukee, City of Minnesota Austin, City of East Grand Forks, City of Lake St. Croix Beach, City of Mower County Rochester, City of West St. Paul, City of Mississippi Bay St. Louis, City of Biloxi, City of Cleveland, City ofD’lberville, City of Gautier, City ofGreenville, City of Gulfport, City of Harrison County Hattiesburg, City ofHinds County 05/1/03 10/1/91 10/1/93 10/1/91 10/1/93 10/1/91 10/1/93 10/1/95 05/1/02 05/1/03 10/1/92 10/1/94 05/1/03 10/1/92 10/1/99 05/1/02 10/1/92 10/1/99 05/1/03 10/1/92 10/1/06 10/1/06 10/1/95 10/1/95 05/1/03 05/1/03 10/1/06 05/1/04 10/1/91 10/1/91 10/1/95 10/1/95 10/1/91 10/1/91 10/1/95 10/1/96 10/1/93 10/1/07 10/1/94 10/1/93 10/1/96 10/1/03 10/1/94 10/1/93 05/1/03 10/1/91 10/1/93 10/1/91 05/1/97 05/1/07 10/1/93 10/1/95 05/1/08 05/1/03 05/1/08 10/1/95 05/1/03 10/1/02 10/1/99 05/1/08 10/1/08 10/1/99 05/1/03 05/1/08 10/1/06 10/1/06 05/1/05 10/1/04 05/1/03 05/1/03 10/1/06 05/1/04 05/1/08 10/1/98 10/1/00 04/1/00 10/1/96 10/1/96 10/1/00 10/1/03 04/1/99 10/1/07 04/1/00 05/1/03 10/1/01 10/1/03 05/1/02 10/1/93 8 9 9 9 7 9 9 9 8 9 7 10 9 8 8 8 5 7 9 8 9 8 7 10 9 9 6 8 5 10 8 8 10 10 7 7 8 7 8 8 8 8 7 9 10 5 5 5 15 5 5 5 10 5 15 0 5 10 10 10 25 15 5 10 5 10 15 0 5 5 20 10 25 0 10 10 0 0 15 15 10 15 10 10 10 10 15 5 5 5 5 5 5 5 5 5 5 5 5 0 5 5 5 5 10 5 5 5 5 5 5 0 5 5 10 5 10 0 5 5 0 0 5 5 5 5 5 5 5 5 5 5 C C C C C C C C C C C R C C C C C C C C C C C R C C C C C R C C R R C C C C C C C C C 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 16 October 1, 2008 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY CURRENT EFFECTIVE CURRENT CLASS % DISCOUNT FOR % DISCOUNT FOR STATUS3 DATE DATE SFHA1 NON-SFHA2 280072 280304 285257 280229 280096 285259 285260 285261 280130 280110 280100 280176 285262 290188 290351 290172 290362 290315 300009 300028 300008 300108 300023 300010 300038 300014 300049 300048 300029 300142 310069 315273 310078 320001 320003 320008 320005 325276 320035 320007 320033 Mississippi (continued) Jackson, City ofLamar County Long Beach, City of Madison, City ofMeridian, City of Ocean Springs, City of Pascagoula, City ofPass Christian, City of Picayune, City of Ridgeland, City ofTupelo, City of Vicksburg, City ofWaveland, City of Missouri Arnold, City of Ferguson, City of Independence,City ofKirkwood, City of St. Charles County Montana Belt, Town of Bozeman, City of Cascade County Circle, Town of Flathead County Great Falls, City of Lewis and Clark County Miles City, City of Missoula, City ofMissoula County Three Forks, Town of Yellowstone County Nebraska Fremont, City of Lincoln, City ofValley, City of Nevada Carson City, City of Clark County Douglas County Henderson, City ofLas Vegas, City of Mesquite, City of North Las Vegas, City of Storey County 10/1/91 10/1/08 10/1/00 10/1/96 10/1/92 10/1/92 10/1/07 10/1/93 05/1/08 10/1/94 05/1/03 10/1/93 10/1/93 10/1/91 10/1/95 10/1/91 10/1/91 10/1/01 10/1/91 10/1/92 10/1/91 10/1/91 10/1/93 10/1/91 10/1/91 10/1/91 10/1/91 10/1/91 10/1/93 05/1/03 10/1/91 10/1/91 10/1/08 10/1/94 10/1/92 10/1/93 10/1/91 10/1/91 10/1/02 10/1/91 10/1/94 10/1/96 10/1/08 10/1/08 10/1/01 05/1/08 05/1/08 10/1/07 10/1/03 05/1/08 10/1/04 05/1/03 04/1/01 10/1/06 05/1/04 04/1/01 10/1/01 10/1/96 05/1/08 10/1/92 05/1/03 04/1/01 10/1/93 10/1/07 10/1/06 10/1/02 10/1/94 05/1/02 05/1/02 10/1/98 05/1/03 10/1/91 05/1/03 10/1/08 04/1/99 05/1/08 10/1/04 05/1/08 05/1/08 05/1/07 05/1/08 10/1/99 8 9 7 8 8 7 7 6 8 8 8 7 5 10 10 7 10 7 8 7 8 8 8 8 8 9 8 8 8 8 9 7 8 8 6 6 6 6 7 6 8 10 5 15 10 10 15 15 20 10 10 10 15 25 0 0 15 0 15 10 15 10 10 10 10 10 5 10 10 10 10 5 15 10 10 20 20 20 20 15 20 10 5 5 5 5 5 5 5 10 5 5 5 5 10 0 0 5 0 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 10 10 10 10 5 10 5 C C C C C C C C C C C C C R R C R C C C C C C C C C C C C C C C C C C C C C C C 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 17 October 1, 2008 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY CURRENT EFFECTIVE CURRENT CLASS % DISCOUNT FOR % DISCOUNT FOR STATUS3 DATE DATE SFHA1 NON-SFHA2 New Hampshire 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 05/1/05 9 5 5 C 330028 Winchester, Town of 05/1/02 05/1/02 9 5 5 C New Jersey 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 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 10/1/01 7 15 5 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 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 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 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 10/1/98 8 10 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 10/1/92 05/1/08 8 10 5 C Commission 345307 North Plainfield, Borough of 10/1/92 10/1/92 9 5 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 340355 Parsippany-Troy Hills, 10/1/91 10/1/91 9 5 5 C Township of 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 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 18 October 1, 2008 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY CURRENT EFFECTIVE CURRENT CLASS % DISCOUNT FOR % DISCOUNT FOR STATUS3 DATE DATE SFHA1 NON-SFHA2 345312 345313 340388 345528 345314 340067 340359 340070 340472 340474 345317 345318 345319 345320 340329 340393 345323 345324 345293 340395 340331 345326 345327 345328 345330 345331 350045 350002 350001 350010 350012 350067 350029 355332 350054 350006 350064 360226 360147 360790 360988 360148 361342 360570 361055 New Jersey (continued) Plainfield, City of Point Pleasant, Borough of Point Pleasant Beach, Borough of Pompton Lakes, Borough of Rahway, City of Ridgewood, Village ofRiverdale, Borough of Rochelle Park, Township of Roselle, Borough of Scotch Plains, Township of Sea Bright, Borough of Sea Isle City, City of Seaside Park, Borough of Ship Bottom, Borough of Spring Lake, Borough of Stafford, Township of Stone Harbor, Borough of Surf City, Borough of Toms River, Township of Tuckerton, Borough of Union Beach, Borough of Ventnor, City of Wayne, Township of West Wildwood, Borough of Wildwood Crest, Borough of Woodbridge, Township of New Mexico Alamogordo, City ofAlbuquerque, City of Bernalillo County Clovis, City of Dona Ana County Farmington, City ofHobbs, City of Las Cruces, City of Portales, City of Roswell, City ofSan Juan County New York Amherst, Town of Ashland, Town of Babylon,Town of Bayville, Village of Big Flats, Town of Brightwaters, Village of Camillus, Town of Catlin, Town of 10/1/91 10/1/93 10/1/92 10/1/91 10/1/92 10/1/92 10/1/94 10/1/06 10/1/92 10/1/94 10/1/92 10/1/92 10/1/92 10/1/92 10/1/94 10/1/91 10/1/94 10/1/92 10/1/92 10/1/93 10/1/03 10/1/92 10/1/91 10/1/93 10/1/93 10/1/92 10/1/91 10/1/93 10/1/93 10/1/91 10/1/03 10/1/91 10/1/92 10/1/91 10/1/95 10/1/92 05/1/08 10/1/95 10/1/91 10/1/92 10/1/92 10/1/91 10/1/93 10/1/96 10/1/91 10/1/98 10/1/93 10/1/97 10/1/96 10/1/02 10/1/02 10/1/94 10/1/06 01/1/98 10/1/95 10/1/97 10/1/95 10/1/06 10/1/02 10/1/99 05/1/08 10/1/96 10/1/08 10/1/92 10/1/98 10/1/03 10/1/99 10/1/00 10/1/05 10/1/03 10/1/97 10/1/91 10/1/08 05/1/08 10/1/91 10/1/08 10/1/91 05/1/08 10/1/08 10/1/95 10/1/92 05/1/08 05/1/97 05/1/08 10/1/93 10/1/03 10/1/96 10/1/98 10/1/01 10/1/97 10 9 10 10 8 7 9 8 8 10 10 10 8 8 8 6 8 7 9 10 8 8 8 10 8 10 9 9 9 9 8 9 8 6 9 9 9 8 9 10 8 8 10 10 10 0 5 0 0 10 15 5 10 10 0 0 0 10 10 10 20 10 15 5 0 10 10 10 0 10 0 5 5 5 5 10 5 10 20 5 5 5 10 5 0 10 10 0 0 0 0 5 0 0 5 5 5 5 5 0 0 0 5 5 5 10 5 5 5 0 5 5 5 0 5 0 5 5 5 5 5 5 5 10 5 5 5 5 5 0 5 5 0 0 0 R C R R C C C C C R R R C C C C C C C R C C C R C R C C C C C C C C C C C C C R C C R R 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 19 October 1, 2008 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY CURRENT EFFECTIVE CURRENT CLASS % DISCOUNT FOR % DISCOUNT FOR STATUS3 DATE DATE SFHA1 NON-SFHA2 New York (continued) 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 360464 Freeport, Village of 10/1/92 10/1/97 8 10 5 C 360417 Greece, Town of 10/1/92 10/1/92 9 5 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 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 10/1/93 9 5 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 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 10/1/94 9 5 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 10/1/96 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 20 October 1, 2008 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY CURRENT EFFECTIVE CURRENT CLASS % DISCOUNT FOR % DISCOUNT FOR STATUS3 DATE DATE SFHA1 NON-SFHA2 370078 375348 370085 370062 370047 370190 375349 370255 370191 370192 370111 370265 375352 370133 370178 375353 370145 370439 370144 370081 375355 370158 370418 370048 375356 370167 370074 370168 370049 370466 370523 375357 370279 370181 370267 370160 370372 370249 370243 370092 370421 370220 370430 370028 370437 375359 370094 370187 370438 370368 North Carolina (continued) Currituck County Dare County Durham County Edenton, Town of Emerald Isle, Town of Farmville, Town of Forsyth County Goldsboro, City of Greenville, City of Grifton, Town of Guilford County Havelock, City of Holden Beach, Town of Hyde County Jacksonville, City ofKill Devil Hills, City of Kinston, City ofKitty Hawk, Town of Lenoir County Lexington, City ofManteo, Town of Mecklenburg County Minnesott Beach, Town of Morehead City, Town of Nags Head, City ofNashville, Town of New Bern, City of New Hanover County Newport, Town of North Topsail Beach, Town of Oak Island, Town of Ocean Isle Beach, Town of Oriental, Town of Pamlico County Pine Knoll Shores, Town of Pineville, Town of Pitt County Plymouth, Town of Raleigh, City of Rocky Mount, City of Roper, Town of Sampson County Southern Shores, Town of Southport, City ofStonewall, Town of Sunset Beach, Town of Tarboro, Town of Topsail Beach, Town of Vandemere, Town of Wake County 10/1/93 10/1/91 10/1/92 10/1/93 10/1/93 10/1/04 10/1/93 10/1/93 10/1/92 10/1/04 10/1/93 10/1/95 10/1/91 10/1/92 10/1/91 10/1/91 10/1/94 10/1/91 10/1/94 10/1/93 10/1/91 10/1/91 10/1/92 10/1/92 10/1/91 10/1/94 10/1/92 10/1/91 10/1/92 10/1/92 10/1/91 10/1/92 10/1/92 10/1/92 10/1/92 10/1/91 10/1/02 10/1/94 10/1/91 10/1/92 10/1/94 10/1/94 10/1/92 10/1/91 10/1/92 10/1/91 10/1/06 10/1/92 10/1/92 10/1/91 05/1/08 05/1/08 10/1/08 05/1/08 10/1/03 10/1/04 05/1/08 05/1/03 10/1/07 05/1/08 10/1/08 10/1/99 10/1/92 10/1/92 10/1/05 10/1/01 05/1/06 10/1/02 05/1/06 05/1/08 05/1/08 05/1/06 10/1/92 10/1/93 10/1/01 05/1/05 05/1/04 05/1/08 10/1/07 10/1/02 05/1/08 05/1/08 10/1/97 10/1/97 10/1/02 05/1/06 10/1/04 10/1/99 10/1/06 05/1/08 10/1/99 10/1/99 10/1/96 10/1/05 10/1/92 10/1/00 10/1/06 10/1/02 10/1/92 10/1/96 8 8 8 9 7 8 8 8 7 5 8 8 8 9 8 7 5 6 7 7 8 6 9 8 6 8 10 8 8 7 8 8 9 9 7 6 8 8 7 7 8 10 6 8 9 8 8 6 9 10 10 10 10 5 15 10 10 10 15 25 10 10 10 5 10 15 25 20 15 15 10 20 5 10 20 10 0 10 10 15 10 10 5 5 15 20 10 10 15 15 10 0 20 10 5 10 10 20 5 0 5 5 5 5 5 5 5 5 5 10 5 5 5 5 5 5 10 10 5 5 5 10 5 5 10 5 0 5 5 5 5 5 5 5 5 10 5 5 5 5 5 0 10 5 5 5 5 10 5 0 C C C C C C C C C C C C C C C C C C C C C C C C C C R C C C C C C C C C C C C C C R C C C C C C C 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 21 October 1, 2008 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY CURRENT EFFECTIVE CURRENT CLASS % DISCOUNT FOR % DISCOUNT FOR STATUS3 DATE DATE SFHA1 NON-SFHA2 370017 370247 370268 370251 370254 370464 370071 370270 375360 370193 375361 385364 385365 390183 390038 390110 390412 390328 390378 390071 390176 390737 390472 390432 390460 390479 390131 390419 400220 400207 400078 400236 400234 400221 400252 400062 400049 400245 400211 400053 405380 405381 North Carolina (continued) Washington, City ofWashington County Washington Park, Town of Watauga County Wayne County Whispering Pines, Village of Whiteville, City of Wilson, City of Winston-Salem, City of Winterville, Town of Wrightsville Beach, Town of North Dakota Fargo, City of Grand Forks, City of Ohio Delta, Village ofFairfield, City of Highland Heights, City of Kettering, City of Licking County Medina County New Richmond, Village of Obetz, Village of Orange, Village of Ottawa, Village of Ottawa County Preble County Shelby, City of South Euclid, City of West Carrollton, City of Oklahoma Bartlesville, City ofBixby, Town of Blackwell, City of Broken Arrow, City of Chickasha, City ofDewey, City of Edmond, City of Enid, City of Lawton, City of Lindsay, City of Sand Springs, City of Sapulpa, City of Stillwater, City of Tulsa, City of 10/1/92 10/1/94 10/1/92 10/1/91 10/1/93 10/1/91 10/1/96 10/1/91 10/1/93 10/1/93 10/1/91 05/1/06 10/1/91 10/1/92 10/1/93 10/1/91 10/1/95 10/1/93 05/1/07 10/1/92 10/1/96 10/1/91 10/1/95 10/1/92 10/1/98 10/1/92 10/1/91 05/1/02 10/1/92 10/1/93 10/1/91 10/1/93 10/1/92 10/1/92 10/1/93 10/1/93 10/1/91 10/1/92 10/1/91 10/1/92 10/1/91 10/1/91 10/1/02 10/1/99 10/1/07 10/1/91 05/1/03 10/1/96 10/1/05 10/1/05 05/1/08 10/1/97 05/1/08 05/1/06 10/1/01 10/1/92 10/1/98 10/1/92 10/1/00 10/1/97 05/1/07 10/1/02 10/1/96 10/1/91 10/1/95 10/1/92 10/1/98 10/1/92 10/1/91 05/1/02 10/1/02 10/1/98 10/1/93 10/1/08 10/1/08 10/1/92 10/1/08 10/1/93 10/1/04 10/1/93 10/1/06 10/1/93 10/1/06 10/1/03 8 8 8 9 7 10 8 7 8 10 8 7 5 9 8 10 8 8 9 8 9 9 9 9 9 9 9 9 7 10 8 5 8 9 7 9 7 10 6 10 8 2 10 10 10 5 15 0 10 15 10 0 10 15 25 5 10 0 10 10 5 10 5 5 5 5 5 5 5 5 15 0 10 25 10 5 15 5 15 0 20 0 10 40 5 5 5 5 5 0 5 5 5 0 5 5 10 5 5 0 5 5 5 5 5 5 5 5 5 5 5 5 5 0 5 10 5 5 5 5 5 0 10 0 5 10 C C C C C R C C C R C C C C C R C C C C C C C C C C C C C R C C C C C C C R C R C 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 22 October 1, 2008 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY CURRENT EFFECTIVE CURRENT CLASS % DISCOUNT FOR % DISCOUNT FOR STATUS3 DATE DATE SFHA1 NON-SFHA2 Oregon 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 05/1/05 9 5 5 C 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 410154 Marion County 04/1/01 05/1/07 6 20 10 C 410096 Medford, City of 10/1/94 10/1/94 9 5 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 10/1/04 8 10 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 05/1/08 8 10 5 C 410039 Scappoose, City of 10/1/93 05/1/08 7 15 5 C 410144 Scio, City of 05/1/04 05/1/04 9 5 5 C 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 410021 Troutdale, City of 05/1/08 05/1/08 8 10 5 C Pennsylvania 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 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 10/1/93 9 5 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 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 23 October 1, 2008 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY CURRENT EFFECTIVE CURRENT CLASS % DISCOUNT FOR % DISCOUNT FOR STATUS3 DATE DATE SFHA1 NON-SFHA2 421020 420754 420739 421024 421026 425387 421101 420743 420834 420372 420745 421119 420631 445401 445402 445404 440022 450002 450262 450026 450025 450029 455412 455413 450056 455414 450078 455415 450087 450091 450089 450250 455416 450257 450129 450039 450040 455417 450109 450042 450110 450255 450166 450043 450170 450249 Pennsylvania (continued) Monroe, Township of Newport, Borough of Northumberland, Borough of Penn, Township of Point, Township of Selinsgrove, Borough of Shaler, Township of Sunbury, City of Union, Township of Upper Allen, Township of Upper Augusta, Township of Upper St. Clair, Township of Wilkes-Barre, City of Rhode Island Middletown, Town of Narragansett, Town ofNorth Kingstown, Town of Pawtucket, City ofSouth Carolina Aiken County Awendaw, Town of Beaufort, City of Beaufort County Berkeley County Charleston, City ofCharleston County Colleton County Edisto Beach,Town of Florence, City of Folly Beach, Township of Georgetown, City ofGreenville, City of Greenville County Hilton Head Island, Town of Isle of Palms, City of Kiawah Island, Town of Lexington County McClellanville, Town of Meggett, City of Mount Pleasant, City of Myrtle Beach, City of North Charleston, City of North Myrtle Beach, Town of Pawley’s Island, Town of Pickens County Ravenel, Town of Richland County Rockville, Town of 10/1/07 10/1/94 10/1/07 10/1/07 10/1/07 10/1/07 10/1/94 10/1/07 10/1/93 10/1/92 10/1/07 10/1/98 10/1/92 10/1/91 10/1/92 10/1/93 10/1/02 10/1/93 10/1/96 10/1/92 10/1/91 05/1/08 10/1/93 10/1/95 05/1/05 10/1/92 10/1/91 10/1/96 10/1/93 10/1/91 10/1/93 10/1/91 10/1/94 10/1/96 10/1/91 10/1/00 10/1/96 10/1/94 10/1/91 05/1/03 10/1/91 10/1/05 04/1/99 10/1/96 10/1/95 10/1/98 10/1/07 10/1/94 10/1/07 10/1/07 10/1/07 10/1/07 10/1/04 10/1/07 10/1/98 10/1/97 10/1/07 10/1/03 05/1/08 04/1/00 10/1/07 10/1/93 10/1/07 10/1/93 10/1/05 05/1/08 10/1/07 05/1/08 05/1/05 10/1/05 05/1/07 10/1/96 10/1/97 10/1/01 10/1/03 10/1/04 10/1/03 10/1/97 10/1/04 10/1/00 10/1/07 10/1/07 10/1/05 10/1/08 05/1/03 10/1/07 10/1/97 05/1/07 05/1/04 10/1/05 10/1/95 10/1/05 9 9 8 8 8 7 8 8 10 10 8 8 7 8 8 9 10 9 6 8 7 9 7 5 7 8 8 8 8 7 8 6 7 6 8 7 6 7 5 7 7 8 8 6 9 6 5 5 10 10 10 15 10 10 0 0 10 10 15 10 10 5 0 5 20 10 15 5 15 25 15 10 10 10 10 15 10 20 15 20 10 15 20 15 25 15 15 10 10 20 5 20 5 5 5 5 5 5 5 5 0 0 5 5 5 5 5 5 0 5 10 5 5 5 5 10 5 5 5 5 5 5 5 10 5 10 5 5 10 5 10 5 5 5 5 10 5 10 C C C C C C C C R R C C C C C C R C C C C C C C C C C C C C C C C C C C C C C C C C C C C 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 24 October 1, 2008 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY CRS CURRENT CURRENT % DISCOUNT % DISCOUNT COMMUNITY NAME STATUS3 FOR NUMBER ENTRY EFFECTIVE CLASS FOR NON-SFHA2 DATE DATE SFHA1 South Carolina (continued) 450256 Seabrook Island, Town of 10/1/95 10/1/00 6 20 10 C 455418 Sullivans Island, Town of 05/1/04 05/1/04 8 10 5 C 450184 Sumter, City of 10/1/92 10/1/92 9 5 5 C 450182 465420 470211 470182 470176 475425 470105 475426 470059 470184 475433 475434 470070 470040 470100 475448 470204 485454 480624 481193 485456 485457 480289 480586 480082 485459 480167 485462 480484 480170 485464 480171 480291 480194 480774 480173 480214 485468 485471 485472 Sumter County South Dakota Rapid City, City of Tennessee Athens, City of Bristol, City of Carthage, City of Elizabethton, City ofFayetteville, City of Gatlinburg, City of Humboldt, City of Kingsport, City of Knox County Knoxville, City of Morristown, City ofNashville, City of & Davidson County Ripley, Town of Spring City, Town of Williamson County Texas Arlington, City of Austin, City of Bastrop County Baytown, City ofBeaumont, City of Bellaire, City of Benbrook, City ofBryan, City of Burleson, City of Carrollton, City of Cleburne, City of Conroe, City of Coppell, City of Corpus Christi, City of Dallas, City of Deer Park, City of Denton, City of Denton County Duncanville, City of El Paso, City of Friendswood, City of Garland, City of Grand Prairie, City of 10/1/92 10/1/92 9 5 5 C 10/1/92 10/1/02 8 10 5 C 10/1/93 10/1/93 9 5 5 C 05/1/06 10/1/07 8 10 5 C 10/1/92 10/1/02 8 10 5 C 10/1/93 10/1/93 9 5 5 C 10/1/92 10/1/93 10 0 0 R 10/1/93 10/1/93 9 5 5 C 10/1/93 10/1/96 10 0 0 R 10/1/92 10/1/97 10 0 0 R 10/1/02 10/1/02 9 5 5 C 10/1/92 10/1/06 8 10 5 C 10/1/92 10/1/93 10 0 0 R 10/1/91 10/1/06 8 10 5 C 10/1/91 10/1/96 10 0 0 R 10/1/92 10/1/97 10 0 0 R 10/1/08 10/1/08 9 5 5 C 10/1/91 05/1/05 8 10 5 C 10/1/91 10/1/06 7 15 5 C 10/1/04 10/1/04 8 10 5 C 10/1/91 05/1/06 6 20 10 C 10/1/08 10/1/08 8 10 5 C 10/1/93 10/1/08 8 10 5 C 10/1/91 10/1/06 6 20 10 C 10/1/95 05/1/08 7 15 5 C 10/1/91 05/1/07 8 10 5 C 10/1/91 10/1/01 7 15 5 C 10/1/92 10/1/92 9 5 5 C 10/1/92 05/1/02 7 15 5 C 10/1/93 10/1/08 7 15 5 C 10/1/91 10/1/91 9 5 5 C 10/1/91 05/1/02 7 15 5 C 10/1/00 10/1/00 9 5 5 C 10/1/91 05/1/07 6 20 10 C 10/1/92 10/1/93 10 0 0 R 10/1/91 10/1/01 8 10 5 C 10/1/91 10/1/91 9 5 5 C 10/1/91 10/1/03 5 25 10 C 10/1/91 10/1/97 7 15 5 C 10/1/91 05/1/05 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 25 October 1, 2008 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY CURRENT EFFECTIVE CURRENT CLASS % DISCOUNT FOR % DISCOUNT FOR STATUS3 DATE DATE SFHA1 NON-SFHA2 480287 480296 480601 485481 485487 485488 480195 480452 480477 485491 480607 480206 480307 480077 480140 485499 480184 485505 485507 480502 485513 481585 480662 490039 490074 490040 490019 490072 490214 490216 490159 490178 490177 490052 500013 500126 505518 510001 515519 515520 510134 510002 515525 510054 Texas (continued) Harris County Houston, City of Hurst, City of Kemah, City of LaPorte, City of League City, City of Lewisville, City of Lubbock, City of Midland, City of Nassau Bay, City ofNorth Richland Hills, City of Odessa, City of Pasadena, City of Pearland, City of Plano, City of Port Arthur, City of Richardson, City ofSan Marcos, City of Seabrook, City ofSweetwater, City ofTaylor Lake Village, City of Tiki Island, Village of Wichita Falls, City of Utah Bountiful, City ofCedar City, City of Centerville, City of Logan, City of Moab, City of North Ogden, City of Orem, City of Provo, City of Santa Clara, Town of St. George, City of West Bountiful, City of Vermont Bennington, Town of Brattleboro, Town of Montpelier, City ofVirginia Accomack County Alexandria, City of Arlington County Bridgewater, Town of Chincoteague, City of Fairfax County Falls Church, City of 05/1/04 05/1/02 10/1/92 10/1/92 10/1/99 10/1/92 10/1/91 10/1/92 10/1/92 10/1/92 10/1/91 10/1/92 10/1/91 05/1/05 10/1/92 10/1/91 10/1/91 10/1/92 10/1/02 10/1/91 10/1/96 10/1/01 10/1/91 10/1/91 10/1/94 05/1/02 10/1/93 04/1/01 10/1/93 10/1/93 10/1/91 10/1/95 10/1/94 10/1/96 10/1/93 10/1/91 10/1/98 10/1/92 10/1/92 10/1/92 10/1/96 10/1/00 10/1/93 05/1/07 05/1/04 10/1/07 10/1/02 10/1/00 10/1/99 10/1/92 10/1/96 10/1/93 10/1/94 10/1/94 10/1/99 10/1/08 10/1/92 05/1/05 10/1/08 10/1/91 10/1/97 10/1/02 10/1/02 05/1/08 05/1/02 05/1/06 10/1/07 10/1/91 10/1/96 10/1/08 10/1/03 10/1/06 10/1/08 05/1/08 10/1/96 10/1/95 05/1/04 10/1/96 10/1/93 10/1/91 10/1/98 10/1/96 10/1/02 10/1/08 05/1/06 10/1/03 10/1/03 05/1/07 8 6 8 5 8 9 7 8 8 8 7 7 10 8 5 9 8 7 9 9 8 8 8 9 10 7 8 8 9 7 8 9 7 9 9 9 9 8 8 8 8 8 8 8 10 20 10 25 10 5 15 10 10 10 15 15 0 10 25 5 10 15 5 5 10 10 10 5 0 15 10 10 5 15 10 5 15 5 5 5 5 10 10 10 10 10 10 10 5 10 5 10 5 5 5 5 5 5 5 5 0 5 10 5 5 5 5 5 5 5 5 5 0 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 C C C C C C C C C C C C R C C C C C C C C C C C R C C C C C C C C C C C C C C C C C C 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 26 October 1, 2008 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY CURRENT EFFECTIVE CURRENT CLASS % DISCOUNT FOR % DISCOUNT FOR STATUS3 DATE DATE SFHA1 NON-SFHA2 510071 510201 510090 510104 510183 515529 510119 510130 510190 510053 510005 510182 530073 530074 530153 530103 530104 530024 530051 530200 530140 530166 530079 530071 530156 530102 530316 530169 530158 530085 530143 530138 530088 530151 535534 530090 530173 530204 530188 530193 530198 530217 540199 540065 540004 Virginia (continued) Gloucester County James City County Loudoun County Norfolk, City ofPoquoson, City ofPortsmouth, City ofPrince William County Roanoke, City of Roanoke County Vienna, Town of Wachapreague, Town of York County Washington Auburn, City of Bellevue, City ofBurlington, City of Centralia, City of Chehalis, City of Clark County Ephrata, City of Everson, City ofFife, City of Index, Town of Issaquah, City ofKing County La Conner, Town of Lewis County Lower Elwha Klallam Tribe Monroe, City of Mount Vernon, City of North Bend, City ofOrting, City of Pierce County Renton, City of Skagit County Snohomish County Snoqualmie, City ofSultan, City of Sumas, City of Thurston County Wahkiakum County Whatcom County Yakima County West Virginia Buckhannon, City ofJefferson County Philippi, City of 10/1/95 10/1/92 10/1/92 10/1/92 10/1/92 10/1/92 10/1/96 10/1/96 10/1/91 10/1/96 10/1/96 10/1/05 10/1/92 10/1/92 10/1/94 10/1/94 10/1/94 10/1/04 10/1/00 10/1/94 05/1/06 04/1/98 10/1/92 10/1/91 10/1/96 10/1/94 10/1/00 10/1/91 05/1/97 10/1/95 05/1/08 10/1/95 10/1/94 04/1/98 05/1/06 10/1/92 10/1/03 10/1/93 10/1/00 10/1/07 10/1/96 10/1/07 05/1/07 10/1/06 05/1/03 10/1/95 10/1/92 05/1/03 10/1/92 10/1/97 10/1/00 10/1/01 10/1/08 10/1/06 10/1/96 10/1/96 10/1/05 05/1/08 05/1/06 04/1/99 10/1/99 05/1/04 10/1/04 10/1/00 10/1/99 05/1/06 05/1/08 05/1/08 10/1/07 10/1/97 10/1/99 05/1/05 05/1/06 10/1/07 05/1/06 05/1/08 05/1/08 10/1/99 10/1/08 05/1/06 05/1/02 05/1/08 05/1/08 10/1/00 10/1/07 10/1/06 10/1/07 05/1/07 10/1/06 05/1/03 9 9 10 9 9 9 8 7 8 9 9 9 5 5 6 7 6 7 8 8 7 6 5 2 8 7 7 5 7 6 7 3 7 4 5 5 7 7 5 8 6 8 8 9 8 5 5 0 5 5 5 10 15 10 5 5 5 25 25 20 15 20 15 10 10 15 20 25 40 10 15 15 25 15 20 15 35 15 30 25 25 15 15 25 10 20 10 10 5 10 5 5 0 5 5 5 5 5 5 5 5 5 10 10 10 5 10 5 5 5 5 10 10 10 5 5 5 10 5 10 5 10 5 10 10 10 5 5 10 5 10 5 5 5 5 C C R C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C 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 27 October 1, 2008 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY CURRENT EFFECTIVE CURRENT CLASS % DISCOUNT FOR % DISCOUNT FOR STATUS3 DATE DATE SFHA1 NON-SFHA2 550001 550612 550128 550578 550022 555562 550085 550487 550310 550660 550107 550108 550537 560037 560030 560013 560029 560085 560044 Wisconsin Adams County Allouez, Village of Eau Claire, City of Elm Grove, Village ofGreen Bay, City of La Crosse, City ofMazomanie, Village ofNew Berlin, City of Ozaukee County Suamico, Village ofWatertown, City ofWaupun, City of Winnebago County Wyoming Casper, City of Cheyenne, City ofDouglas, City of Laramie County Park County Sheridan, City of 10/1/91 10/1/92 10/1/91 04/1/01 10/1/91 10/1/91 10/1/91 10/1/05 10/1/91 05/1/08 10/1/91 10/1/91 10/1/91 10/1/00 05/1/03 10/1/93 05/1/03 10/1/91 10/1/95 05/1/07 10/1/02 10/1/08 10/1/06 10/1/01 10/1/02 10/1/91 10/1/05 10/1/07 05/1/08 10/1/07 10/1/01 10/1/01 10/1/00 05/1/03 10/1/93 05/1/03 10/1/96 10/1/95 8 7 7 6 7 8 9 8 8 8 7 8 8 9 7 9 8 10 9 10 15 15 20 15 10 5 10 10 10 15 10 10 5 15 5 10 0 5 5 5 5 10 5 5 5 5 5 5 5 5 5 5 5 5 5 0 5 C C C C C C C C C C C C C C C C C R 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 28 October 1, 2008 GUIDANCE FOR SEVERE REPETITIVE LOSS PROPERTIES I. GENERAL DESCRIPTION The primary objective of the severe repetitive loss (SRL) properties strategy is to eliminate or reduce the damage to property and the disruption to life caused by repeated flooding. Approximately 8,000 insured properties have been identified with a high frequency of losses or a high value of claims. As these policies come up for renewal, they will be transferred to the NFIP Servicing Agent’s Special Direct Facility (SDF). The close supervision the SDF provides the group of policies, and the attention the group of properties receives when mitigation decisions are made, contribute to attaining the strategy’s primary objective. The SRL group consists of any NFIP-insured residential property that has met at least one of the following paid flood loss criteria since 1978, regardless of ownership: 1. Four or more separate claim payments of more than $5,000 each (including building and contents payments); or 2. Two or more separate claim payments (building payments only) where the total of the payments exceeds the current value of the property. In either case, two of the claim payments must have occurred within 10 years of each other. Multiple losses at the same location within 10 days of each other are counted as one loss, with the payment amounts added together. The loss history includes all ownership of the property since 1978 or since the building’s construction if built after 1978. Severe repetitive loss properties with renewal dates of January 1, 2007, and later will be afforded coverage (new business or renewal) only through the SDF. The agent of record will remain in that capacity while the policy is in the SDF. The NFIP Servicing Agent will pay the agent of record the standard 15 percent commission that is paid on all NFIP Direct business. II. NOTIFICATION REQUIREMENTS Policies that renew on or after January 1, 2007, and meet the criteria for severe repetitive loss will be transferred to the SDF for policy issuance. Any policy that meets the SRL criteria during the current term will be transferred to the SDF with the subsequent renewal. As requests for review (discussed in “III. Dispute Resolution” below) are successful, and FEMA or its designee approves properties for mitigation, policies will be transferred out of the SDF. When policies are to be transferred to the SDF, the NFIP Bureau and Statistical Agent will notify WYO companies and the NFIP Servicing Agent at least 150 days prior to the expiration date. The companies will notify the affected policyholders, their agents, and their lenders 90 days before expiration of the policy. This notice will explain that the policies are ineligible for coverage outside of the SDF. (See agent, lender, and policyholder SDF Notification Letters on pages SRL 3-8.) Offers to renew will be issued by the SDF approximately 45 days prior to the expiration date. III. DISPUTE RESOLUTION The designation of a property as SRL is based on the data on file with the NFIP. If the policyholder believes the claims history is inaccurate, or if the property has already been mitigated to reduce future flooding, the designation may be challenged. When a policyholder has documentation that the NFIP-insured property has not sustained the losses reported, a request for review may be presented, in writing, to the NFIP Bureau and Statistical Agent. All documentation to substantiate the review must be included with the request letter. The policy will remain in the SDF during the review. The policyholder and agent will be notified of the results of the review. If the policyholder’s request for review is successful, and the policyholder requests that the policy be returned to the previous carrier, the SDF policy will be canceled and the full premium will be returned to the former carrier. Otherwise, the policy will be set up for release from the SDF at its next renewal. The carrier will write the policy using the SDF’s effective dates. If, however, a loss occurs both in the current term and before the policy can be returned to the former carrier, the SDF will continue to service the claim and will return the policy at the next renewal cycle, unless the new claim qualifies the property for the SDF. SRL 1 October 1, 2008 If FEMA has approved the property for mitigation efforts other than buyout or demolition, the property will be removed from the SDF at the next renewal. If the property is bought out or demolished under an approved FEMA mitigation project, and the mitigation efforts for the specific property are FEMA approved, the policy will be canceled and the pro-rata premium (less Federal Policy Fee and, if applicable, Probation Surcharge) will be refunded. When a property is bought out or demolished, any commission chargeback to the agent will be forgiven. IV. SEVERE REPETITIVE LOSS PILOT GRANT PROGRAM Through the Flood Insurance Reform Act of 2004 (FIRA 2004), Congress directed FEMA to develop a program to reduce future flood losses. The SRL Pilot Grant Program makes pre- disaster mitigation grant funding available for a variety of flood mitigation activities. Under this program, FEMA provides funds to State and local governments to make offers of assistance to NFIP-insured SRL residential property owners for mitigation projects that reduce future flood losses through: • Acquisition or relocation of at-risk structures and conversion of the property to open space; • Elevation of existing structures; or • Dry floodproofing of historic properties. SRL mitigation grants are provided to eligible applicant States/Tribes/Territories that, in turn, provide subgrants to local governments or communities. The applicant must have a FEMA- approved mitigation program in place that includes SRL properties. State and local officials will prioritize SRL properties within their jurisdictions for SRL grants. They may contact the policyholder directly to determine the appropriate mitigation activity that will most effectively reduce future flood losses and to advise them of their inclusion in the SRL grant application. If a grant is awarded, a written offer will be made to the policyholder. Participation in the SRL program is voluntary. However, SRL policyholders who refuse an offer of mitigation will be subject to an increase in their flood insurance premium rate equal to 150 percent of the chargeable rate for the property at the time the offer was made, as adjusted by any other premium adjustments otherwise applicable to the property. This increase will more accurately reflect the flood risk to the SRL property. Upon notification from FEMA of an SRL policyholder’s declining an offer of mitigation under this program, the SDF will send a Premium Increase Notification Letter (pages SRL 9-10) to notify all holders of recorded interest for the property. An SRL policyholder who has declined a mitigation offer may appeal the insurance premium rate increase within 90 days of the notification. The appeal must be based on one of the six provisions for appeal specified in the FIRA 2004. The SDF will postpone all rate increases for which a valid appeal was filed and will monitor the appeal’s progress. If the policy renewal falls within the appeal period, the SDF will send the Renewal Billing Letter shown on page SRL 11. However, if the policy renewal falls after the appeal period, the SDF will send the Renewal Billing Letter shown on page SRL 12. The law also provides for increased insurance premium rates if an SRL property whose owner declined an offer of mitigation incurs any subsequent flood loss with resulting NFIP payments in excess of $1,500 in aggregate. In this case, the premium rate will be increased an additional 50 percent, and the SDF will send the Renewal Billing Letter shown on page SRL 13. In no case will rate increases exceed the current actuarial rating for the structure. More detailed information regarding SRL grants availability, eligibility requirements, tools, and application instructions is available on the FEMA website at http://www.fema.gov/government/ grant/srl/index.shtm. SRL 2 October 1, 2008 U.S. Department of Homeland Security 500 C Street, SW Washington, DC 20472 IMPORTANT FLOOD INSURANCE POLICY INFORMATION Insured’s Name: Property Address: Policy Number: Dear Agent: As you may be aware, your client’s property, which is covered by flood insurance, has experienced repetitive flood losses under FEMA’s National Flood Insurance Program (NFIP). This letter is to inform you that your client’s property meets the criteria for a new subset of repetitive loss structures: insured residential properties with a high frequency of losses or a high value of claims. These properties are designated Severe Repetitive Loss (SRL) properties. Congress recognized that SRL properties represent the greatest risk of sustaining repeated flood losses and, through the Flood Insurance Reform Act of 2004 (FIRA 2004), made it a top priority to reduce the number of SRL properties nationwide. As of May 2008, FEMA has identified approximately 8,000 properties that meet the standard for SRL. The loss characteristics of an SRL property must meet one of the following criteria based on paid flood losses since 1978, regardless of ownership: (1) Four or more separate claim payments of more than $5,000 each (building and/or contents payments); or (2) Two or more separate claim payments (building payments only) where the total of the payments exceeds the current value of the property. In either case, two of the claim payments must have occurred within 10 years of each other. If there are multiple losses at the same location within 10 days of each other, they are counted as one loss, with the payment amounts added collectively. The strategy for reducing the number of SRL properties is twofold: First, the NFIP has centralized the processing of all flood insurance policies of SRL properties in order for FEMA to obtain additional underwriting information, verify loss information, and collect information about the flood risk to the SRL properties. Second, FEMA is implementing a new mitigation grant program authorized by FIRA 2004 to mitigate SRL properties. You need to be aware of the following: • The Write Your Own (WYO) Insurance Companies that sell and service flood insurance under the NFIP will assign flood insurance policies for SRL properties, upon renewal, to a centralized processing center operated by the NFIP’s Servicing Agent. This center is the Special Direct Facility (SDF). www.fema.gov Agent SDF Notification Letter, Page 1 SRL 3 October 1, 2008 Agent Date Page 2 • As a result, your client’s policy will not be processed by the chosen WYO Company or by the traditional NFIP Direct Program. You will, however, continue to be the agent of record throughout the process. While the policy remains in the SDF, you will receive the same 15 percent commission that the NFIP Direct agents are given. • Approximately 45 days prior to the renewal date of the policy, your client will receive a premium bill from the NFIP Servicing Agent. This bill is the only bill that should be paid by your client. • For the time being, the SDF will be the only source for NFIP flood insurance coverage for your client’s property. As always, the full premium amount and any related fees should be paid by the date indicated. The policy sent to your client will meet all the requirements of any mortgage company to the same extent as the current policy. • You should encourage your client to continue to contact you directly for any service needs on the policy because you will remain the agent of record. • The NFIP provides a procedure for your client to follow if he or she believes that FEMA has incorrectly included his or her insured property on its list of SRL properties. The new mitigation grant program authorized by FIRA 2004 may provide Federal grant funds to pay for up to 75 percent (up to 90 percent if certain state mitigation floodplain requirements are met) of the cost of eligible mitigation activities, such as elevating your client’s NFIP-insured structure. Mitigated properties may qualify for reduced flood insurance rates. You should encourage your client to obtain additional information and refer them to the appropriate local floodplain manager or state hazard mitigation official. FEMA’s goal is to reduce the devastating effects of repetitive flood losses. If you have questions about this letter and the SRL procedures, please contact the NFIP Help Center by telephone at the toll-free number 1-866-395-7496. Sincerely, David I. Maurstad Assistant Administrator Mitigation Directorate Agent SDF Notification Letter, Page 2 SRL 4 October 1, 2008 U.S. Department of Homeland Security 500 C Street, SW Washington, DC 20472 IMPORTANT FLOOD INSURANCE POLICY INFORMATION Insured’s Name: Property Address: Policy Number: Dear Lender: As you may be aware, your client’s property, which is covered by flood insurance, has experienced repetitive flood losses under FEMA’s National Flood Insurance Program (NFIP). This letter is to inform you that your client’s property meets the criteria for a new subset of repetitive loss structures: insured residential properties with a high frequency of losses or a high value of claims. These properties are designated Severe Repetitive Loss (SRL) properties. Congress recognized that SRL properties represent the greatest risk of sustaining repeated flood losses and, through the Flood Insurance Reform Act of 2004 (FIRA 2004), made it a top priority to reduce the number of SRL properties nationwide. As of May 2008, FEMA has identified approximately 8,000 properties that meet the standard for SRL. The loss characteristics of an SRL property must meet one of the following criteria based on paid flood losses since 1978, regardless of ownership: (1) Four or more separate claim payments of more than $5,000 each (building and/or contents payments); or (2) Two or more separate claim payments (building payments only) where the total of the payments exceeds the current value of the property. In either case, two of the claim payments must have occurred within 10 years of each other. If there are multiple losses at the same location within 10 days of each other, they are counted as one loss, with the payment amounts added collectively. The strategy for reducing the number of SRL properties is twofold: First, the NFIP has centralized the processing of all flood insurance policies of SRL properties in order for FEMA to obtain additional underwriting information, verify loss information, and collect information about the flood risk to the SRL properties. Second, FEMA is implementing a new mitigation grant program authorized by FIRA 2004 to mitigate SRL properties. You need to be aware of the following: • The Write Your Own (WYO) Insurance Companies that sell and service flood insurance under the NFIP will assign flood insurance policies for SRL properties, upon renewal, to a centralized processing center operated by the NFIP’s Servicing Agent. This center is the Special Direct Facility (SDF). www.fema.gov Lender SDF Notification Letter, Page 1 SRL 5 October 1, 2008 Lender Date Page 2 • As a result, your client’s policy will not be processed by the chosen WYO Company or by the traditional NFIP Direct Program. • Approximately 45 days prior to the renewal date of the policy, your client will receive a premium bill from the NFIP Servicing Agent. This bill is the only bill that should be paid by your client. • For the time being, the SDF will be the only source for NFIP flood insurance coverage for your client’s property. As always, the full premium amount and any related fees should be paid by the date indicated. The policy sent to your client will meet all the requirements of any mortgage company to the same extent as the current policy. • The NFIP provides a procedure for your client to follow if he or she believes that FEMA has incorrectly included his or her insured property on its list of SRL properties. The new mitigation grant program authorized by FIRA 2004 may provide Federal grant funds to pay for up to 75 percent (up to 90 percent if certain state mitigation floodplain requirements are met) of the cost of eligible mitigation activities, such as elevating your client’s NFIP-insured structure. Mitigated properties may qualify for reduced flood insurance rates. You should encourage your client to obtain additional information and refer them to the appropriate local floodplain manager or state hazard mitigation official. FEMA’s goal is to reduce the devastating effects of repetitive flood losses. If you have questions about this letter and the SRL procedures, please contact the NFIP Help Center by telephone at the toll-free number 1-866-395-7496. Sincerely, David I. Maurstad Assistant Administrator Mitigation Directorate Lender SDF Notification Letter, Page 2 SRL 6 October 1, 2008 U.S. Department of Homeland Security 500 C Street, SW Washington, DC 20472 IMPORTANT FLOOD INSURANCE POLICY INFORMATION Insured’s Name: Property Address: Policy Number: Dear Policyholder: As you may be aware, your property, which is covered by flood insurance, has experienced repetitive flood losses under FEMA’s National Flood Insurance Program (NFIP). This letter is to inform you that your property meets the criteria for a new subset of repetitive loss structures: insured residential properties with a high frequency of losses or a high value of claims. These properties are designated Severe Repetitive Loss (SRL) properties. Congress recognized that SRL properties represent the greatest risk of sustaining repeated flood losses and, through the Flood Insurance Reform Act of 2004 (FIRA 2004), made it a top priority to reduce the number of SRL properties nationwide. As of May 2008, FEMA has identified approximately 8,000 properties that meet the standard for SRL. The loss characteristics of an SRL property must meet one of the following criteria based on paid flood losses since 1978, regardless of ownership: (1) Four or more separate claim payments of more than $5,000 each (building and/or contents payments); or (2) Two or more separate claim payments (building payments only) where the total of the payments exceeds the current value of the property. In either case, two of the claim payments must have occurred within 10 years of each other. If there are multiple losses at the same location within 10 days of each other, they are counted as one loss, with the payment amounts added collectively. The strategy for reducing the number of SRL properties is twofold. First, the NFIP has centralized the processing of all flood insurance policies of SRL properties in order for FEMA to obtain additional underwriting information, verify loss information, and collect information about the flood risk to the SRL properties. Second, FEMA is implementing a new mitigation grant program authorized by FIRA 2004 to mitigate SRL properties. You need to be aware of the following: • The “Write Your Own” (WYO) Insurance Companies that sell and service flood insurance under the NFIP will assign flood insurance policies for SRL properties, upon renewal, to a centralized processing center operated by the NFIP’s Servicing Agent. This center is the Special Direct Facility (SDF). www.fema.gov Policyholder SDF Notification Letter, Page 1 SRL 7 October 1, 2008 Policyholder Date Page 2 • As a result, your policy will not be processed by your chosen WYO Company or by the traditional NFIP Direct Program. Your agent, however, will continue to be the agent of record throughout the process. • Approximately 45 days prior to the renewal date of your policy, you will receive a premium bill from the NFIP Servicing Agent. This bill is the only bill that you should pay. • For the time being, the SDF will be the only source for NFIP flood insurance coverage for your property. As always, the full premium amount and any related fees should be paid by the date indicated. The policy sent to you will meet all the requirements of any mortgage company to the same extent as your current policy. • You may continue to contact your agent directly for any service needs on the policy because he or she will remain the agent of record. • The NFIP provides a procedure for you to follow if you believe that FEMA has incorrectly included your insured property on its list of SRL properties. The new mitigation grant program authorized by FIRA 2004 may provide Federal grant funds to pay for up to 75 percent (up to 90 percent if certain state mitigation floodplain requirements are met) of the cost of eligible mitigation activities, such as elevating your NFIP-insured structure. Mitigated properties may qualify for reduced flood insurance rates. To obtain additional information, please contact your local floodplain manager or state hazard mitigation official. FEMA’s goal is to reduce the devastating effects of repetitive flood losses. If you have questions about this letter and the SRL procedures, please contact the NFIP Help Center by telephone at the toll-free number 1-866-395-7496. Sincerely, David I. Maurstad Assistant Administrator Mitigation Directorate Policyholder SDF Notification Letter, Page 2 SRL 8 October 1, 2008 National Flood Insurance Program U.S. Department of Homeland Security P.O. Box 2966 Shawnee Mission, KS 66201-1366 DATE
Re.: Policy Number RL000 Dear : In June 2004, Congress passed the Flood Insurance Reform Act of 2004 (FIRA 2004), which contains provisions to develop a Grant Program for the mitigation of Severe Repetitive Loss (SRL) properties. FIRA 2004 requirements dictate that flood insurance premium rates for a policy increase when a property owner declines a qualified mitigation offer. Previously, we informed you that your building insured under the above-referenced policy number is an SRL property. A qualified mitigation offer was made to you in a letter from your community, < >, dated < >. We have been notified that you refused to accept that qualified mitigation offer by your response dated < >. Because a qualified mitigation offer was made to you for your insured building, and because you declined that offer, FIRA 2004 requires the premium rate upon renewal of your flood policy to reflect a 50-percent increase over the premium rate in effect at the time that the qualified mitigation offer was made to you. In addition, this rate may be adjusted by other premium adjustments otherwise applicable to the property. Our records show that the premium rates on your flood policy for the last policy term (when the mitigation offer was made to you, and refused) were $00.83/00.89 for Building Coverage and $01.62/00.79 for Contents Coverage. The new premium rates for your flood policy will now be $([00.83/00.89] x 1.5) for Building Coverage and $([01.62/00.79] x 1.5) for Contents Coverage, before the addition of other applicable flood policy fees. Also, other information may impact the rating of your flood insurance policy. Below is a summary of your current coverages and rates: Premium Increase Notification Letter, Page 1 www.fema.gov SRL 9 October 1, 2008 DATE Page 2 Below is a summary of your estimated renewal coverages and rates: Please note that this is not a bill; it is only an estimate of premium based on current coverages and underwriting information. You will be billed for the next policy term 45 days prior to the current term expiration. The offer of mitigation you received may still be an active offer while funding remains available. Please contact FEMA Region < > if you would now like to accept that qualified mitigation offer. If you do not wish to accept the mitigation offer, your policy will be subject to a rate increase unless you file an appeal to the proposed rate increase. See the enclosed document for more information regarding the appeal process. If you choose to appeal, please continue to keep your policy in force so that you may continue to receive protection under the National Flood Insurance Program. Sincerely, Underwriting Department 800-638-6620 Enclosure Premium Increase Notification Letter, Page 2 SRL 10 October 1, 2008 National Flood Insurance Program U.S. Department of Homeland Security P.O. Box 2966 Shawnee Mission, KS 66201-1366 DATE
YOUR FLOOD INSURANCE RENEWAL BILLING IS ENCLOSED Re.: Policy Number RL000 Dear : As previously communicated to you, your property insured by a National Flood Insurance Program flood insurance policy was identified as a Severe Repetitive Loss property. You were offered an opportunity to accept mitigation assistance. Because you declined the offer for mitigation assistance, the premium rates on the flood insurance policy renewal will reflect a 50-percent increase over the premium rates in effect at the time that the qualified mitigation offer was made to you, in accordance with the Flood Insurance Reform Act of 2004. As you were previously informed, you have the right to appeal the increase in premium. Your appeal must be received by the FEMA regional office by < >. We have enclosed a brochure that details the appeal procedure. We have enclosed two renewal bills for your policy. The total premium due on the $< > bill reflects the described rate increase. However, if you choose to appeal the rate increase within the allotted timeframe, please pay the $< > amount. PLEASE NOTE: If you do choose to appeal, in addition to paying the $< >, you must also submit an appeal with the FEMA regional office in accordance with the procedure detailed in the attached brochure. If you pay the smaller premium of $< > AND do not submit an appeal within the allotted time frame, the amount of coverage on your policy will be reduced to the amount that can be purchased with the premium that we receive. In addition to your appeal option, the original mitigation offer may still be active. Please contact FEMA Region < > if you would now like to accept that qualified offer of mitigation. Also note that this policy may be subject to additional premium increases in the future if the property has an additional paid NFIP flood loss in excess of $1,500. Because you have an insurable interest in a property that has had multiple flood losses, you are certainly aware of the benefit of keeping your flood insurance policy in force. Please pay your renewal premium promptly, regardless of any appeal status, to keep the flood insurance coverage on your property in force. Sincerely, Underwriting Department 800-638-6620 Enclosures www.fema.gov Renewal Billing Letter Within Appeal Period SRL 11 October 1, 2008 National Flood Insurance Program U.S. Department of Homeland Security P.O. Box 2966 Shawnee Mission, KS 66201-1366 DATE
YOUR FLOOD INSURANCE RENEWAL BILLING IS ENCLOSED Re.: Policy Number RL000 Dear : As previously communicated to you, your property insured by a National Flood Insurance Program flood insurance policy was identified as a Severe Repetitive Loss property. You were offered an opportunity to accept mitigation assistance. Because you declined the offer for mitigation assistance, the premium rates on the flood insurance policy renewal are subject to a 50-percent increase over the premium rates in effect at the time that the qualified mitigation offer was made to you, in accordance with the Flood Insurance Reform Act of 2004. The enclosed renewal bill reflects this increased premium. Please note that this policy may be subject to additional premium increases in the future if the property has an additional paid NFIP flood loss in excess of $1,500. If the funding remains available, the original mitigation offer may still be active. You can contact FEMA Region < > if you now wish to accept that qualified offer of mitigation. Because you have an insurable interest in a property that has had multiple flood losses, you are certainly aware of the benefit of keeping your flood insurance policy in force. Please pay the enclosed bill promptly to continue the flood insurance coverage on your property. Sincerely, Underwriting Department 800-638-6620 Enclosure www.fema.gov Renewal Billing Letter After Appeal Period SRL 12 October 1, 2008 National Flood Insurance Program U.S. Department of Homeland Security P.O. Box 2966 Shawnee Mission, KS 66201-1366 DATE
YOUR FLOOD INSURANCE RENEWAL BILLING IS ENCLOSED Re.: Policy Number RL000 Dear : As previously communicated to you, your property insured by a National Flood Insurance Program flood insurance policy was identified as a Severe Repetitive Loss property. You were offered an opportunity to accept mitigation assistance. Because you declined the offer of mitigation assistance, the premium rates on the flood insurance policy were increased by 50 percent, in accordance with the Flood Insurance Reform Act of 2004, over the premium rates in effect at the time that the qualified mitigation offer was made. Your property has had an additional paid NFIP loss in excess of $1,500 and therefore is subject to an additional 50-percent increase over the current rate. The enclosed renewal bill reflects this increased premium. Please note that this policy may be subject to additional premium increases in the future, if the property continues to have additional paid NFIP flood losses in excess of $1,500. If the funding remains available, the original mitigation offer may still be active,. You can contact FEMA Region < > if you now wish to accept that qualified offer of mitigation. Since you have an insurable interest in a property that has had multiple flood losses, you are certainly aware of the benefit of keeping your flood insurance policy in force. Please pay the enclosed bill to continue the flood insurance coverage on your property. Sincerely, Underwriting Department 800-638-6620 Enclosure www.fema.gov Renewal Billing Letter After Additional Loss SRL 13 October 1, 2008 INDEX A ABOVE GROUND BUILDING, PRINCIPALLY ...GR 3, DEF 7 ACT........................................................ REF 1, GR 6, DEF 1 ACTUAL CASH VALUE (ACV) ..................................... DEF 1 ADDITIONS AND EXTENSIONS (TO BUILDING)............................................ GR 5, RATE 16 ADJUSTER CONTROL OFFICE ........................ CL 3, DEF 1 ALTERNATIVE RATES ................RATE 21, END 1-2, DEF 1 ANCHORED ................................................... GR 3-4, DEF 1 APPLICATION ...................................... GR 11-13, APP 1-11, CONDO 8-9, PRP 6-8, DEF 1 Binder or Certificate of Insurance...................GR 8, DEF 1 Flood Insurance Application Form ......................APP 9-11 Incomplete/Incorrect Applications ............................ APP 8 Mailing Instructions...................................GR 8, 13, APP 8 APPURTENANT STRUCTURE ..........................GR 3, DEF 1 ASSESSMENT COVERAGE ................ GR 11-12, CONDO 7 ASSIGNMENT OF POLICY .............. GR 13, MPPP 6, DEF 1 B BASE FLOOD ............................................................... DEF 1 BASE FLOOD DEPTH................................. RATE 18, DEF 1 BASE FLOOD ELEVATION (BFE) ........ GR 13, RATE 17-21, MAP 2, 3, DEF 1 BASEMENT ........... APP 1, 3, RATE 25, CERT 3, 4-5, DEF 1 BINDER OR CERTIFICATE OF INSURANCE ...GR 8, DEF 1 BLANKET INSURANCE ............................................... DEF 1 BOATHOUSES...............................................................GR 4 BREAKAWAY WALLS ....................... GR 5, RATE 20, DEF 1 BUILDING.................................GR 3-6, 6-7, APP 3-4, DEF 1 Additions and Extensions ......................... GR 5, RATE 16 Building Coverage Limits........................................RATE 1 Building in the Course of Construction......................GR 4, APP 5, CONDO 6, DEF 2 Buildings in More Than One Flood Zone.................GR 13, 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, 3, 4, 5, 6, 7, RATE 19-21, DEF 3 Floodproofed Building ...... RATE 31-32, CERT 3-8, 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 6, DEF 8 Single Building................................................GR 5, DEF 8 Start of Construction........................... RATE 15-16, DEF 9 Substantial Improvement........ APP 5, RATE 15-16, DEF 9 Types of Buildings ...................... APP 1, 3-7, CONDO 6, 8 BUILDING DIAGRAMS 1-8.................. LFG 4-7, CERT 18-19 BUILDING DRAWINGS ........................................... LFG 8-59 BUILDING OCCUPANCY ............................................GR 5-6 BUSINESS ANALYST, WYO........................................REF 2 C CANCELLATION/NULLIFICATION .......... CONDO 8, PRP 6, MPPP 6, CN 1-11, DEF 2, 6 Cancellation/Nullification Request Form .............CN 10-11 Form Completion.....................................................CN 7-8 Processing Outcomes Table ...................................... CN 9 Valid Reason Codes for Cancellation/Nullification..CN 1-7 Refunds...................................................................CN 1-8 CERTIFICATIONS ................................................ CERT 1-37 CISTERNS ..................................................... GR 4, 6, DEF 2 CLAIMS ........................................................................ CL 1-5 Appealing a Claim....................................................CL 1-3 Filing a Claim .............................................................. CL 1 Increased Cost of Compliance (ICC) Claims...........CL 4-5 Insured's Responsibilities ........................................ CL 1-3 Producer's Responsibilities......................................CL 3,4 Single Adjuster Program ..............................CL 3-4, DEF 8 Training ....................................................................... CL 4 CLAIMS COORDINATING OFFICE (CCO).........CL 4, DEF 2 CLOSED BASIN LAKE....................................... CN 6, DEF 2 COASTAL BARRIER.....................................................DEF 2 COASTAL BARRIER RESOURCES SYSTEM (CBRS) ................................... CBRS 1-12, DEF 2 Coastal Barrier Improvement Act of 1990 (CBIA) ........................................CBRS 1, DEF 2 Coastal Barrier Resources Act of 1982 (CBRA) .......................... GR 1, CBRS 1, DEF 2 List of CBRS Communities................................CBRS 3-12 COASTAL HIGH HAZARD AREA ...........RATE 30-31, DEF 2 COINSURANCE ......................................... CONDO 7, DEF 2 COMMERCIAL CONTENTS ........................GR 6, CONDO 2 COMMISSION, PRODUCER’S ...GR 13-14, 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 6, CRS 1-28, DEF 2 CONDOMINIUM ASSOCIATION ............CONDO 1-2, DEF 2 CONDOMINIUMS..................................CONDO 1-31, DEF 2 CONSTRUCTION DATA........................................... APP 4-6 CONTACT INFORMATION, NFIP............................. REF 3-6 CONTENTS...................... GR 6, 7, 8, APP 4, RATE 1, 26-29 CONTINUOUS LAKE FLOODING ..................................CN 6 CONTRACT AGENT.....................................GR 14, DEF 2-3 COOPERATIVES ........................................................... GR 6 COUNTYWIDE MAP ........................................MAP 1, DEF 3 COURSE OF CONSTRUCTION .....GR 4, APP 5, CONDO 6, DEF 2 COVERAGE ...........GR 10-11, RATE 1-10, CONDO 6-7, 8-9, PRP 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 8, PRP 1, 4-5 Contents Coverage .................GR 6, 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 10, RATE 1, CONDO 7, 8-9, PRP 1, 4-5, MPPP 3-4 Reduction or Reformation/Removal of Insurance .....................GR 11, END 1, MPPP 5, PR 1 CRAWL SPACE ............................ RATE 25, LFG 2, CERT 2 CREDIT CARD PAYMENT.......... APP 6, 7, REN 2, 8, MAP 4 CREDIT CARD PAYMENT FORM...........................REN 2, 8 D DATE OF CONSTRUCTION................APP 4-5, RATE 15-16 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, 2008 DEDUCTIBLES...................GR 10, APP 4, RATE 12, 13, 17, CONDO 8, 22, PRP 2, MPPP 5, END 2 DEFINITIONS ..........................................................DEF 1-10 DESCRIBED LOCATION.............................................. DEF 3 DIAGRAM NUMBER..................................................... DEF 3 DIRECT PHYSICAL LOSS BY OR FROM FLOOD ...... DEF 3 DIRECT PROGRAM ....................................REF 2, 3, GR 12, APP 8, CONDO 7 DISASTER ASSISTANCE ................. GR 3, APP 2, PRP 1, 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 8-10, REN 2 ELEVATED BUILDING (See also LOWEST FLOOR GUIDE).... APP 1, 3, 4, 5, 6, 7, RATE 19-21, DEF 3 ELEVATION CERTIFICATE ..................APP 5-6, LFG 2, 3-7, CERT 1-3, 11-37 ELEVATION DIFFERENCE.......................... RATE 17-19, 30 ELIGIBLE BUILDINGS.............................. GR 3-6, CONDO 6 ELIGIBLE COMMUNITY (See PARTICIPATING COMMUNITY) ELIGIBLE CONTENTS ...................................................GR 6 EMERGENCY PROGRAM .................. GR 1, RATE 1, DEF 3 ENCLOSED AREA ........................................APP 3, LFG 1-2 ENCLOSURE/ENCLOSED AREA (See also LOWEST FLOOR GUIDE) ............................... APP 1, 3, RATE 19-20, LFG 1-2, 3, 5, 7, DEF 3 ENDORSEMENT ................................... GR 9-10, CONDO 8, PRP 2, MPPP 6, END 1-14, PR 1 Endorsement Processing Prior to Policy Renewal ... END 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 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 21-23, PRP 1, DEF 4 FLOOD MAPS ................................................ GR 1, MAP 1-8 Changing or Correcting a Flood Map.......................MAP 3 Countywide Map..........................................MAP 1, DEF 3 FEMA Map Assistance Center.................................MAP 3 FEMA Map Service Center ......................REF 4, MAP 4, 5 “FIRMettes”..............................................................MAP 4 General Rule of Rating ........................................ RATE 22 Letter of Map Amendment (LOMA) ................ CN 5-6, 6-7, MAP 3, DEF 5 Letter of Map Revision (LOMR) ..................... CN 5-6, 6-7, MAP 3, DEF 5 Locating a Specific Property .................................MAP 2-3 Map "Grandfather" Rules ....... RATE 21-23, PRP 1, DEF 4 Map Panel Number .................................................MAP 1 Map Revision ..................... PRP 2, 6, END 2, CN 3-4, 6-7, MAP 3, 4, DEF 6 Map Zones (Flood Zones) .......................................MAP 2 Ordering Information and Prices.......................MAP 4, 5-6 Physical Map Revision ...........................................MAP 3 FLOOD 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 2, DEF 5 FREEBOARD ................................................................DEF 4 G GARAGES.......................................................... GR 3, LFG 1 GENERAL CHANGE ENDORSEMENT (See ENDORSEMENT) GENERAL PROPERTY FORM (See also STANDARD FLOOD INSURANCE POLICY).........GR 1, 2, POL 1, 22-40 GENERAL RULE OF RATING ................................. RATE 22 GENERAL RULES .................................................... GR 1-14 GRADE ELEVATION.....................................................DEF 4 “GRANDFATHERING” (See FLOOD MAP “GRANDFATHERING”) GROUP FLOOD INSURANCE .......................... GR 3, DEF 4 H HABITABLE AREA (See FINISHED AREA) HISTORIC BUILDING ...............................RATE 15, DEF 4-5 HIGH-RISE BUILDING...............................CONDO 6, DEF 4 HOMELAND SECURITY, U.S. DEPARTMENT OF....REF 1, DEF 3 I ICC (See INCREASED COST OF COMPLIANCE) IMPROVEMENTS AND BETTERMENTS........GR 12, DEF 5 INCIDENTAL OCCUPANCY ....................................... GR 5-6 INCREASED COST OF COMPLIANCE (ICC) COVERAGE .............. GR 10-11, RATE 14, 17, CONDO 21, MPPP 1, CL 4-5, DEF 5 INELIGIBLE COMMUNITY (See NON-PARTICIPATING COMMUNITY) INELIGIBLE PROPERTY ............................................ GR 6-8 INFLATION FACTOR.......................................GR 10, REN 1 IND 2 October 1, 2008 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 1, 5-6, 7, MAP 3, DEF 5 LOSS ASSESSMENT COVERAGE ..... GR 11-12, CONDO 7 LOSS HISTORY ...............................................PRP 1, SRL 1 LOSS IN PROGRESS .................................................. DEF 5 LOWEST ADJACENT GRADE ..................................... DEF 5 LOWEST FLOOR ......APP 6, RATE 17-21, LFG 1-59, DEF 5 Building Diagrams 1-8 ..................... LFG 4-7, CERT 18-19 Building Drawings ............................................... LFG 8-59 Lowest Floor Determination .................................. LFG 1-7 Lowest Floor Elevation ........... APP 6, RATE 17-21, DEF 5 Use of Elevation Certificate ...................................... LFG 2 LOWEST FLOOR GUIDE ........................................ LFG 1-59 LOW-RISE BUILDING ...............................CONDO 6, DEF 5 M MACHINERY AND EQUIPMENT ...................... RATE 19-20, LFG 1, 2, CERT 2 MANDATORY PURCHASE (FORCED PLACEMENT) .......... GR 2, MPPP 2, CN 2, DEF 5 MANUFACTURED (MOBILE) HOMES/ TRAVEL TRAILERS .................. GR 3-4, APP 1, 4, 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 13-14 Application Submission ............................................GR 13 Assignment of Policy................................................GR 13 Commission, Producer’s .....................................GR 13-14 Contract Agent Rule.................................................GR 14 Delivery of Policy......................................................GR 13 Policy Term...............................................................GR 13 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) .. 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, 7-8, CONDO 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 6-7 OVER WATER ........................................................... GR 4, 7 P PAPERWORK BURDEN DISCLOSURE NOTICE ........................................................ REF 7, APP 11 PARTICIPATING COMMUNITY......................... GR 1, DEF 7 PHOTOGRAPH REQUIREMENTS (FOR ELEVATION CERTIFICATE)......................................................CERT 1-2 PHYSICAL MAP REVISION (PMR) .............................MAP 3 POLICIES AVAILABLE................................................ GR 1-2 POLICY .........................................................................DEF 7 POLICY RENEWALS........GR 10, PRP 2, MPPP 5, REN 1-8 Credit Card Payment Form .................................. REN 1, 8 Endorsements During Renewal Cycle ..................... REN 2 Expiration Notice to Mortgagee................................ REN 1 Final Notice...................................................REN 2, 3, 6-7 Insufficient Renewal Information..............................REN 2 Renewal Effective Date Determination .................... REN 2 Renewal Notice.........................................REN 1, 2, 3, 4-8 Severe Repetitive Loss Policies..............REN 2, SRL 1-13 Waiting Period...................................................... REN 1, 2 POLICY TERM .................. GR 13, APP 1-2, PRP 6, MPPP 3 POLLUTANTS...............................................................DEF 7 PONDING HAZARD......................................................DEF 7 POST-FIRM BUILDING (CONSTRUCTION) .......... RATE 16, DEF 7 PRE-FIRM BUILDING (CONSTRUCTION)........RATE 15-16, DEF 7 PREFERRED RISK POLICY (PRP).............................. GR 2, PRP 1-10, 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 2 Coverage/Premium Tables ................................... PRP 4-5 Deductibles .............................................................. PRP 2 Discounts/Fees/ICC Premium.................................. PRP 2 Documentation......................................................... PRP 2 Eligibility Requirements........................................ PRP 1, 3 Endorsements.......................................................... PRP 2 General Description ................................................. PRP 1 Ineligibility ................................................................ PRP 2 PRP Application Form......................................... PRP 9-10 Renewal ................................................................... PRP 2 Replacement Cost Coverage................................... PRP 2 PREMIUM............................................................RATE 16-17 Credit Card Payment ...........................APP 6, 7, REN 2, 8 Credit Card Payment Form .................................. REN 2, 8 Premium Calculation.......................................RATE 16-17 IND 3 October 1, 2008 Premium Discounts ..................................... APP 6, CRS 1 Premium Payment.........................APP 6, 7, 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) ........................ DEF 7 Refunds............................................END 1-2, 3-4, CN 1-6 PREPAID AMOUNT (TOTAL) ...................................... DEF 7 PREPAID PREMIUM (TOTAL) .................................... DEF 7 PRESENTMENT OF PAYMENT (PREMIUM) ............. DEF 7 PRINCIPAL RESIDENCE ............................................. DEF 7 PRINCIPALLY ABOVE GROUND BUILDING .............. DEF 7 PROBATION.......................................................GR 1, DEF 7 PROBATION SURCHARGE..............GR 1, RATE 12, DEF 7 PROOF OF INSURANCE...............................................GR 8 PROOF OF LOSS........................................................CL 1, 2 PROPER OPENINGS (FLOOD VENTS) ..... LFG 1, 2, 3, 5, 7, DEF 7 PROPERTY LOCATION...................APP 2-3, PRP 7, END 3 PROPERTY REMOVED TO SAFETY EXPENSE ........ DEF 7 PROVISIONAL RATING ..................... GR 13, 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 11, 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 13, RATE 17 Condominiums...............................................CONDO 1-31 Contents Location .......................................... RATE 26-29 Crawl Space .........................................................RATE 25 Deductibles.................................. RATE 12, 13, CONDO 7 Different Base Flood Elevations Reported ....GR 13, RATE 17 Effect of Map Revisions on Rates .................. RATE 21-23 Elevation Difference ....................................... RATE 17-19 FIRMs with Wave Heights .............................. RATE 30-31 Flood Map “Grandfathering”...RATE 21-23, PRP 1, DEF 4 Flood Zone Discrepancies....................... GR 13, RATE 17 Floodproofed Buildings................................... RATE 31-32 General Rule of Rating.........................................RATE 22 Key Points for Rating............................................RATE 17 Multiple Elevation Certificates ............................... CERT 1 Optional Elevation Rating ........................RATE 19, LFG 2 Premium Calculation ...................................... RATE 16-17 Provisional Rates ........................... GR 13, 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, 22-23, 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 12-13 Submit-for-Rate......................GR 13, RATE 24-25, DEF 9 Tentative Rates.........GR 12, RATE 21, CONDO 8, DEF 9 V-Zone Optional Rating ....................................... RATE 23 V-Zone Risk Factor Rating Form....................RATE 35-48 RCBAP (See RESIDENTIAL CONDOMINIUM BUILDING ASSOCIATION POLICY) RECREATIONAL VEHICLE ..........................................DEF 1 REFORMATION..................................GR 11, MPPP 5, PR 1 REFUNDS ............................................ END 1-2, 3-4, CN 1-7 REGIONAL OFFICES, NFIP ..................................... REF 5-6 REGULAR PROGRAM.........................GR 1, RATE 1, DEF 8 RENEWALS (See POLICY RENEWALS) REPETITIVE LOSS... GR 5, 11, REN 2, CN 6, SRL 1-13, DEF 8 REPLACEMENT COST....................APP 4, RATE 20-21, 31, CONDO 7, 8, PRP 2, DEF 8 RESIDENTIAL ........................................GR 5-6, CONDO 1-2 RESIDENTIAL BASEMENT FLOODPROOFING CERTIFICATE.......................................................CERT 7-8 RESIDENTIAL CONDOMINIUM BUILDING ...... CONDO 1-2, DEF 8 RESIDENTIAL CONDOMINIUM BUILDING ASSOCIATION POLICY (RCBAP) (See also STANDARD FLOOD INSURANCE POLICY) ........GR 1, 2, APP 4, CONDO 1-31, POL 1, 42-61 Application Form ............................................. CONDO 8-9 Assessment Coverage....................................... CONDO 7 Building Type ................................................. CONDO 6, 8 Cancellation or Endorsement of Existing Unit Owners’ Dwelling Policies ........................ CONDO 8 Coinsurance....................................................... CONDO 7 Commission, Producer’s .................................... CONDO 8 Condominium Building in the Course of Construction................................................. CONDO 6 Coverage, Building.......................................... CONDO 8-9 Coverage, Contents........................................CONDO 8-9 Coverage Limits .......................................... CONDO 7, 8-9 Deductibles .................................................. CONDO 8, 22 Determining Rates and Fees ............................. CONDO 9 Eligibility Requirements...................................... CONDO 6 Federal Policy Fee ............................................. CONDO 8 Property Covered............................................... CONDO 6 Rate Tables................................................. CONDO 10-22 Rating Examples.........................................CONDO 23-31 Replacement Cost ......................................... CONDO 7, 8 Tentative Rates and Scheduled Buildings ......... CONDO 8 ROWHOUSES/TOWNHOUSES ................CONDO 6, PRP 8 S SCHEDULED BUILDING POLICY .................... GR 2, APP 1, CONDO 8, DEF 8 SCREENING, INSECT (BELOW LOWEST ELEVATED FLOOR) ..........................................RATE 7, 20, CONDO 19 SECTION 1316................................................... GR 6, DEF 8 SEPARATE BUILDING (See SINGLE BUILDING) SEVERE REPETITIVE LOSS PROPERTIES ............... GR 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 SPECIAL CERTIFICATIONS ................................CERT 1-37 SPECIAL DIRECT FACILITY (See NFIP SPECIAL DIRECT FACILITY) SPECIAL FLOOD HAZARD AREA (SFHA) .....MAP 2, DEF 8 IND 4 October 1, 2008 SPECIAL RATING SITUATIONS.......GR 12-13, RATE 21-25 Alternative Rates ..................................................RATE 21 Buildings in More Than One Flood Zone ............................................ GR 13, RATE 17 Crawl Space .........................................................RATE 25 Different Base Flood Elevations Reported ....GR 13, RATE 17 Flood Zone Discrepancies .............................GR 13, RATE 17 Map “Grandfather” Rules: Effect of Map Revisions on Rates ....................................................... RATE 21-23 Policies Requiring Re-Rating ......................... RATE 23-24 Post-’81 V Zone Optional Rating..........................RATE 23 Provisional Rates .........................................GR 13, DEF 7 Submit-for-Rate......................GR 13, RATE 24-25, DEF 9 Tentative Rates .........GR 12, RATE 21, CONDO 8, DEF 9 STANDARD FLOOD INSURANCE POLICY (SFIP)..GR 1, 2, POL 1-61, DEF 8-9 Agreement....................................................POL 3, 23, 43 Claim Guidelines in Case of a Flood .......... POL 21, 40, 61 Coinsurance ........................................................... POL 52 Deductibles............................................POL 12, 32, 51-52 Definitions....................................... POL 3-5, 23-25, 43-45 Dwelling Form..........................................POL 2-21, DEF 8 Exclusions .................................. POL 11-12, 31-32, 50-51 General Conditions..................... POL 12-20, 32-38, 53-59 General Property Form..........................POL 22-40, DEF 8 Liberalization Clause .................................. POL 20, 39, 60 Property Covered ......................... POL 5-10, 25-30, 45-50 Property Not Covered.......................POL 10-11, 30-31, 50 Residential Condominium Building Association Policy............................................... POL 42-61, DEF 8-9 Summary of Significant Changes, December 2000 ........... POL 2, 22, 42 What Law Governs.....................................POL 20, 39, 60 START OF CONSTRUCTION ...................................... DEF 9 STOCK.......................................................................... DEF 9 SUBMIT-FOR-RATE...................GR 13, RATE 23-24, DEF 9 SUBSTANTIAL DAMAGE.....GR 11, RATE 16, 23-24, DEF 9 SUBSTANTIAL IMPROVEMENT................................. APP 5, RATE 15-16, 23, DEF 9 SUSPENSION ....................................................GR 1, DEF 9 T TECHNICAL ASSISTANCE..........................................REF 2 TELEPHONE NUMBERS..........................................REF 3-6 TENTATIVE RATES...... GR 12, RATE 21, CONDO 8, DEF 9 TIMESHARES ................................................................ GR 6 TOWNHOUSES/ROWHOUSES ................CONDO 6, PRP 8 TRANSFER OF TITLE ................................................. GR 12 TRAVEL TRAILERS (See MANUFACTURED [MOBILE] HOMES/TRAVEL TRAILERS) 2-4 FAMILY RESIDENCE (DWELLING).........GR 5-6, DEF 9 U UNDERGROUND BUILDING........................................DEF 9 UNFINISHED AREA......................................................DEF 9 UNFINISHED BASEMENT............................................APP 1 UNIT ..............................................................................DEF 9 V VALUED POLICY..........................................................DEF 9 VARIANCE ....................................................................DEF 9 VEHICLES AND EQUIPMENT....................................... GR 6 V-ZONE OPTIONAL RATING .................................. RATE 23 V-ZONE RISK FACTOR RATING FORM............RATE 35-48 W WAITING PERIOD ................... GR 8-10, MPPP 4, REN 1, 2, PR 1, DEF 10 WALLED AND ROOFED.................................. GR 3, DEF 10 WALLS .............................. GR 5, RATE 20, LFG 2, 3, DEF 8 Breakaway Walls .......... GR 5, RATE 20, LFG 2, 3, DEF 1 Common Interior Walls .............................................. GR 5 Shear Walls.................................................... GR 5, DEF 8 Solid Perimeter Foundation Walls.............GR 5, RATE 20, LFG 7, DEF 8 WAVE HEIGHT .........................APP 6, RATE 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 13, RATE 17 IND 5 October 1, 2008 Map Service Center Media Mail P.O. Box 1038 U.S Postage Paid Jessup, MD 20794-1038 Permit #25 Jessup, MD 20794 MSC #602A 10/01/2008