U.S. Department of Homeland Security 500 C Street SW Washington, DC 20472 August 2005 MEMORANDUM FOR: Flood Insurance Manual Subscribers FROM: David I. Maurstad Acting Director Mitigation Division Emergency Preparedness and Response Directorate SUBJECT: October 1, 2005, Flood Insurance Manual Revisions The National Flood Insurance Program (NFIP) is pleased to provide you with the latest updates to the NFIP Flood Insurance Manual. Your new revision pages contain all of the changes that will go into effect October 1, 2005. Changes are identified by a vertical bar in the margin of the amended pages, and related footers have been modified to reflect the October 1, 2005, effective date. Following are highlights of the October revisions: . Clarifies the correct Flood Insurance Rate Map to use when completing an application for flood insurance. (APP, PRP sections) . Reformats the introductory text of the Lowest Floor Guide section to clarify determination of the lowest floor and use of the Elevation Certificate as related to specific flood zones and building characteristics. (LFG section) . Adds language noting the optional use of the Elevation Certificate in buildings without a basement or enclosure in unnumbered A zones. (RATE, CONDO, LFG sections) . Clarifies the description of a crawl space. (RATE, LFG sections) . Adds guidelines for converting a standard policy to a Preferred Risk Policy due to a map revision. (PRP section) . Adds new cancellation/nullification reason code 24 for cancel/rewrite due to a map revision, Letter of Map Amendment, or Letter of Map Revision. (CN section) . Updates the Coastal Barrier Resources System List of Communities. (CBRS section) . Updates the Community Rating System Eligible Communities list. (CRS section) . Updates the Index. (IND section) The NFIP is committed to providing up-to-date information so that you can assist your customers in securing the best flood insurance protection available for their individual needs. Attachment www.fema.gov Change Record Page Effective Date: October 1, 2005 Updates and corrections 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 v-viii REF 5-6 GR 3-4, 7-8 APP 3-4 RATE 5-6, 23-24, 53-54, 57-58 CONDO 15-16 LFG 1-4, 23-26 CERT 1-2 PRP 1-6 END 3-4 CN 1-10 CBRS 3-12 CRS 1-28 DEF 1-10 IND 1-5 v-viii REF 5-6 GR 3-4, 7-8 APP 3-4 RATE 5-6, 23-24, 53-54, 57-58 CONDO 15-16 LFG 1-4, 23-26 CERT 1-2 PRP 1-6 END 3-4 CN 1-10 CBRS 3-12 CRS 1-28 DEF 1-10 IND 1-5 TABLE OF CONTENTS (Continued) SECTION PAGE IV. COVERAGE ................................................................................................................. CONDO 6 A. Property Covered ................................................................................................. CONDO 6 B. Coverage Limits ................................................................................................... CONDO 6 C. Replacement Cost and Coinsurance ................................................................... CONDO 7 D. Assessment Coverage ......................................................................................... CONDO 7 V. DEDUCTIBLES AND FEES.......................................................................................... CONDO 7 A. Deductibles........................................................................................................... CONDO 7 B. Federal Policy Fee................................................................................................ CONDO 7 VI. TENTATIVE RATES AND SCHEDULED BUILDINGS................................................. CONDO 7 VII. COMMISSIONS (DIRECT BUSINESS ONLY)............................................................. CONDO 7 VIII. CANCELLATION OR ENDORSEMENT OF EXISTING UNIT OWNERS' DWELLING POLICIES ............................................................................. CONDO 8 IX. APPLICATION FORM .................................................................................................. CONDO 8 A. Type of Building.................................................................................................... CONDO 8 B. Replacement Cost Value ..................................................................................... CONDO 8 C. Coverage.............................................................................................................. CONDO 8 D. Rates and Fees.................................................................................................... CONDO 9 X. CONDOMINIUM RATING EXAMPLES ........................................................................ CONDO 23 LOWEST FLOOR GUIDE........................................................................................................... LFG 1 I. LOWEST FLOOR DETERMINATION.......................................................................... LFG 1 A. Non-Elevated Buildings ........................................................................................ LFG 1 B. Elevated Buildings in A Zones.............................................................................. LFG 1 C. Elevated Buildings in V Zones.............................................................................. LFG 2 II. USE OF ELEVATION CERTIFICATE .......................................................................... LFG 2 A. Mandatory Use of Elevation Certificate ................................................................ LFG 2 B. Optional Rating Using the Elevation Certificate ................................................... LFG 2 III. SPECIFIC BUILDING DRAWINGS .............................................................................. LFG 8 SPECIAL CERTIFICATIONS...................................................................................................... CERT 1 I. NFIP ELEVATION CERTIFICATE................................................................................ CERT 1 II. USING THE ELEVATION CERTIFICATE: SPECIAL CONSIDERATIONS ................ CERT 1 Section A - Property Owner Information....................................................................... CERT 1 Section B - Flood Insurance Rate Map (FIRM) Information ......................................... CERT 2 Section C - Building Elevation Information (Survey Required) ..................................... CERT 2 Section D - Surveyor, Engineer, or Architect Certification............................................ CERT 2 Section E - Building Elevation Information (Survey Not Required) for Zone AO and Zone A (Without BFE) ................................................................................................ CERT 2 Section F - Property Owner (or Owner's Representative) Certification ........................ CERT 3 Section G - Community Information (Optional)............................................................. CERT 3 III. FLOODPROOFING CERTIFICATE ............................................................................. CERT 3 A. Purpose and Eligibility .......................................................................................... CERT 3 B. Specifications ....................................................................................................... CERT 3 C. Rating ................................................................................................................... CERT 3 D. Certification .......................................................................................................... CERT 3 v October 1, 2005 TABLE OF CONTENTS (Continued) SECTION PAGE PREFERRED RISK POLICY ...................................................................................................... PRP 1 I. GENERAL DESCRIPTION........................................................................................... PRP 1 II. ELIGIBILITY REQUIREMENTS.................................................................................... PRP 1 A. Flood Zone .......................................................................................................... PRP 1 B. Occupancy .......................................................................................................... PRP 1 C. Loss History......................................................................................................... PRP 1 D. Exclusions ........................................................................................................... PRP 1 III. DOCUMENTATION...................................................................................................... PRP 2 IV. RENEWAL.................................................................................................................... PRP 2 V. COVERAGE LIMITS..................................................................................................... PRP 2 VI. REPLACEMENT COST COVERAGE .......................................................................... PRP 2 VII. DISCOUNTS/FEES/ICC PREMIUM............................................................................. PRP 2 VIII. DEDUCTIBLES............................................................................................................. PRP 2 IX. ENDORSEMENTS ....................................................................................................... PRP 2 X. CONVERSION OF STANDARD RATED POLICY TO PRP DUE TO MISRATING ................................................................................................................ PRP 2 XI. CONVERSION OF STANDARD RATED POLICY TO PRP DUE TO MAP REVISION, LOMA, OR LOMR............................................................................. PRP 4 XII. COMPLETING THE FLOOD INSURANCE PREFERRED RISK POLICY APPLICATION ............................................................. PRP 4 A. Policy Status......................................................................................................... PRP 4 B. Policy Term .......................................................................................................... PRP 4 C. Agent Information................................................................................................. PRP 4 D. Insured’s Mailing Address .................................................................................... PRP 4 E. Disaster Assistance.............................................................................................. PRP 4 F. First Mortgagee .................................................................................................... PRP 4 G. Second Mortgagee or Other................................................................................. PRP 4 H. Property Location ................................................................................................. PRP 5 I. Community ........................................................................................................... PRP 5 J. Building and Contents .......................................................................................... PRP 5 K. Notice ................................................................................................................... PRP 5 L. Premium............................................................................................................... PRP 5 M. Signature .............................................................................................................. PRP 5 MORTGAGE PORTFOLIO PROTECTION PROGRAM ............................................................ MPPP 1 I. BACKGROUND............................................................................................................ MPPP 1 II. REQUIREMENTS FOR PARTICIPATING IN THE MPPP ........................................... MPPP 2 A. General................................................................................................................. MPPP 2 B. WYO Arrangement Article III--Fees ..................................................................... MPPP 2 C. Use of WYO Company Fees for Lenders/Servicers or Others ............................ MPPP 2 D. Notification............................................................................................................ MPPP 2 E. Eligibility................................................................................................................ MPPP 3 F. Source of Offering ................................................................................................ MPPP 3 G. Dual Interest ......................................................................................................... MPPP 3 H. Term of Policy ...................................................................................................... MPPP 3 vi October 1, 2005 TABLE OF CONTENTS (Continued) SECTION PAGE I. Coverage Offered................................................................................................. MPPP 3 J. Policy Form .......................................................................................................... MPPP 4 K. Waiting Period......................................................................................................MPPP 4 L. Premium Payment................................................................................................ MPPP 4 M. Underwriting--Application ..................................................................................... MPPP 4 N. Rates .................................................................................................................... MPPP 4 O. Policy Declaration Page Notification Requirements ............................................. MPPP 4 P. Policy Reformation--Policy Correction.................................................................. MPPP 5 Q. Coverage Basis--Actual Cash Value or Replacement Cost ................................. MPPP 5 R. Deductible ............................................................................................................ MPPP 5 S. Federal Policy Fee................................................................................................ MPPP 5 T. Renewability ......................................................................................................... MPPP 5 U. Cancellations........................................................................................................ MPPP 6 V. Endorsement........................................................................................................ MPPP 6 W. Assignment to a Third Party................................................................................. MPPP 6 X. Article XIII--Restriction on Other Flood Insurance................................................ MPPP 6 GENERAL CHANGE ENDORSEMENT ..................................................................................... END 1 I. ENDORSEMENT RULES............................................................................................. END 1 A. Coverage Endorsements...................................................................................... END 1 B. Rating Endorsements........................................................................................... END 1 C. Misrated Policy ..................................................................................................... END 2 D. Conversion of Standard Rated Policy to PRP Due to Misrating or Map Revision END 2 E. Changing Deductibles .......................................................................................... END 2 F. Correcting Property Address ................................................................................ END 2 II. ENDORSEMENT PROCESSING PRIOR TO POLICY RENEWAL (NFIP DIRECT BUSINESS ONLY)...................................................................................................... END 3 A. During Last 90 Days of Policy Term..................................................................... END 3 B. During Last 75 Days of Policy Term..................................................................... END 3 C. Refunds Generated from Endorsement Processing ............................................ END 3 III. PREPARATION OF FORM .......................................................................................... END 3 A. General Instructions ............................................................................................. END 3 B. Refund Processing Procedures ........................................................................... END 3 IV. ENDORSEMENT RATING EXAMPLES....................................................................... END 5 POLICY RENEWALS ................................................................................................................. REN 1 I. GENERAL INFORMATION .......................................................................................... REN 1 II. RENEWAL NOTICE ..................................................................................................... REN 1 A. Renewing for the Same Coverage--Option A....................................................... REN 1 B. Inflation Factor--Option B ..................................................................................... REN 1 C. No Renewal Notice Generated............................................................................. REN 1 III. PREMIUM PAYMENT DUE.......................................................................................... REN 1 IV. FINAL NOTICE............................................................................................................. REN 2 V. RENEWAL EFFECTIVE DATE DETERMINATION ..................................................... REN 2 VI. INSUFFICIENT RENEWAL INFORMATION................................................................ REN 2 VII. ENDORSEMENTS DURING RENEWAL CYCLE ........................................................ REN 2 VIII. REPETITIVE LOSS TARGET GROUP PROPERTIES................................................ REN 2 vii May 1, 2005 TABLE OF CONTENTS (Continued) SECTION PAGE CANCELLATION/NULLIFICATION ........................................................................................... CN 1 I. PROCEDURES AND VALID REASONS...................................................................... CN 1 A. Refund Processing Procedures ........................................................................... CN 1 B. Reason Codes for Cancellation/Nullification of NFIP Policies.............................. CN 1 II. COMPLETING THE CANCELLATION/NULLIFICATION REQUEST FORM............... CN 7 A. Current Policy Number ......................................................................................... CN 7 B. Policy Term .......................................................................................................... CN 7 C. Agent Information................................................................................................. CN 7 D. Insured Mail Address............................................................................................ CN 7 E. First Mortgagee .................................................................................................... CN 7 F. Other Parties Notified........................................................................................... CN 7 G. Property Location ................................................................................................. CN 7 H. Cancellation Reason Code................................................................................... CN 7 I. Refund.................................................................................................................. CN 7 J. Signature .............................................................................................................. CN 7 CLAIMS ..................................................................................................................................... CL 1 I. INSURED'S RESPONSIBILITIES ................................................................................ CL 1 II. PRODUCER'S RESPONSIBILITIES ............................................................................ CL 1 III. SINGLE ADJUSTER PROGRAM IMPLEMENTATION................................................ CL 1 A. Schedule and Notification..................................................................................... CL 1 B. Training ................................................................................................................ CL 2 C. Producer Responsibilities..................................................................................... CL 2 IV. INCREASED COST OF COMPLIANCE (ICC) CLAIMS............................................... CL 2 POLICY ..................................................................................................................................... POL 1 DWELLING FORM: SUMMARY OF SIGNIFICANT CHANGES, DECEMBER 2000 ........................................... POL 2 I. AGREEMENT............................................................................................................... POL 3 II. DEFINITIONS............................................................................................................... POL 3 III. PROPERTY COVERED ............................................................................................... POL 5 IV. PROPERTY NOT COVERED ...................................................................................... POL 10 V. EXCLUSIONS............................................................................................................... POL 11 VI. DEDUCTIBLES............................................................................................................. POL 12 VII. GENERAL CONDITIONS............................................................................................. POL 12 VIII. LIBERALIZATION CLAUSE ......................................................................................... POL 20 IX. WHAT LAW GOVERNS............................................................................................... POL 20 CLAIM GUIDELINES IN CASE OF A FLOOD....................................................................... POL 21 viii October 1, 2005 NATIONAL FLOOD INSURANCE PROGRAM BUREAU AND STATISTICAL AGENT REGIONAL OFFICES The National Flood Insurance Program's Bureau and Statistical Agent operates 10 regional offices within the continental United States. The primary function of the regional office is lender and producer training through workshops and individual visits. Other services provided by the regional office 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. NFIP BUREAU AND STATISTICAL AGENT REGIONAL OFFICES Region I Suite 200 140 Wood Road Braintree, MA 02184 (781) 848-1908 (781) 356-4142 (fax) Region II Computer Sciences Corporation NFIP Region II Office 304 W Route 38 Moorestown, NJ 08057-1902 (856) 252-3707 (856) 608-8731 (fax) Region III Building T, Suite 13 1930 East Marlton Pike Cherry Hill, NJ 08003-4219 (856) 489-4003 (856) 751-2817 (fax) Region IV Suite 200 1532 Dunwoody Village Parkway Dunwoody, GA 30338 (770) 396-9117 (770) 396-7730 (fax) Region IV – Tampa Office Suite 300 8875 Hidden River Parkway Tampa, FL 33637 (813) 975-7451 (813) 975-7471 (fax) NFIP BUREAU AND STATISTICAL AGENT REGIONAL STAFF Thomas Gann Manager Vacant Richard Sobota, CPCU Manager Roger Widdifield Manager Lynne Magel Program Specialist TERRITORY Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island, Vermont New Jersey, New York Delaware, District of Columbia, Maryland, Pennsylvania, Virginia, West Virginia Alabama, Georgia, Kentucky, Mississippi, North Carolina, South Carolina, Tennessee Florida REF 5 October 1, 2005 NFIP BUREAU AND STATISTICAL AGENT REGIONAL OFFICES Region V Suite 209 1111 E. Warrenville Road Naperville, IL 60563 (630) 577-1407 (630) 577-1437 (fax) Region VI Suite 108 15835 Park Ten Place Houston, TX 77084 (281) 829-6880 (281) 829-6879 (fax) Region VII The Courtyard Suite 13-B 601 North Mur-Len Road Olathe, KS 66062-5445 (913) 780-4238 or -4247 (913) 780-4368 (fax) Region VIII Suite 225 1746 Cole Boulevard Lakewood, CO 80401 (303) 275-3475 (303) 275-3471 (fax) Region IX Suite 103 1532 Eureka Road Roseville, CA 95661 (916) 780-7889 (916) 780-7905 (fax) Region X Suite 108 19125 Northcreek Parkway Bothell, WA 98011 (425) 488-5820 (425) 488-5011 (fax) NFIP BUREAU AND STATISTICAL AGENT REGIONAL STAFF Richard Slevin Manager Diana Herrera Manager Dean Ownby, CPCU Manager Norman Ashford, CPCU Manager Edie Lohmann Manager Leslie Melville Manager TERRITORY Illinois, Indiana, Michigan, Minnesota, Ohio, Wisconsin Arkansas, Louisiana, New Mexico, Oklahoma, Texas. Interim basis: Puerto Rico, 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 May 1, 2005 policies and subsequent renewals of those policies must be based upon the specific anchoring requirements identified below: A manufactured (mobile) home located within a Special Flood Hazard Area must be anchored to a permanent foundation to resist flotation, collapse, or lateral movement by providing over-the-top or frame ties to ground anchors; or in accordance with manufacturer’s specifications; or in compliance with the community’s floodplain management requirements. b. Manufactured (Mobile) Homes Continuously Insured Since September 30, 1982 All manufactured (mobile) homes on a foundation continuously insured since September 30, 1982, can be renewed under the previously existing requirements if affixed to a permanent foundation. Manufactured (mobile) homes in compliance with the foundation and anchoring requirements at the time of placement may continue to be renewed under these requirements even though the requirements are more stringent at a later date. To be adequately anchored, the manufactured (mobile) home is attached to the foundation support system, which in turn is established (stabilized) into the ground, sufficiently to resist flotation, collapse, and lateral movement caused by flood forces, including wind forces in coastal areas. 3. Silos and Grain Storage Buildings 4. Cisterns 5. Buildings Entirely Over Water -Constructed or Substantially Improved Before October 1, 1982 Follow "submit for rate" instructions in the Rating section for insurance on Post-FIRM buildings located entirely in, on, or over water or seaward of mean high tide for these buildings. Pre-FIRM buildings constructed before October 1, 1982, are eligible for normal Pre-FIRM rates. If the building's start of construction occurred on or after October 1, 1982, the building is ineligible for coverage. 6. Buildings Partially Over Water Follow “submit for rate” instructions in the Rating section for buildings partially over water. However, Pre-FIRM buildings are eligible for normal Pre-FIRM rates. 7. Boathouses Located Partially Over Water The non-boathouse parts of a building into which boats are floated are eligible for coverage if the building is partly over land and also used for residential, commercial, or municipal purposes and is eligible for flood coverage. The area above the boathouse used for purposes unrelated to the boathouse use (e.g., residential occupancy) is insurable from the floor joists to the roof including walls. A common wall between the boathouse area and the other part of the building is insurable. The following items are not covered: a. The ceiling and roof over the boathouse portions of the building into which boats are floated. b. Floors, walkways, decking, etc., within the boathouse area, or outside the area, but pertaining to boathouse use. c. Exterior walls and doors of the boathouse area not common to the rest of the building. d. Interior walls and coverings within the boathouse area. e. Contents located within the boathouse area, including furnishings and equipment, relating to the operation and storage of boats and other boathouse uses. The Flood Insurance Application form with photographs, but without premium, must be submitted to the NFIP for premium determination. No coverage becomes effective until the NFIP approves the insurance application, determines the rate, and receives the premium. However, buildings in existence prior to October 1, 1982, may continue to be rated using the published rate. GR 3 May 1, 2005 8. Buildings in the Course of Construction Buildings in the course of construction that have yet to be walled and roofed are eligible for coverage except when construction has been halted for more than 90 days and/or if the lowest floor used for rating purposes is below the Base Flood Elevation (BFE). Materials or supplies intended for use in such construction, alteration, or repair are not insurable unless they are contained within an enclosed building on the premises or adjacent to the premises. 9. Repetitive Loss Target Group Properties These must be processed by the NFIP Special Direct Facility. See the Repetitive Loss section of this manual for information. B. Single Building To qualify as a single building structure and be subject to the single building limits of coverage, a building must be separated from other buildings by intervening clear space or solid, vertical, load- bearing division walls. A building separated into divisions by solid, vertical, load-bearing walls from its lowest level to its highest ceiling may have each division insured as a separate building. A solid load-bearing interior wall cannot have any openings and must not provide access from one building or room into another (partial walls). If access is available through a doorway or opening, then the structure must be insured as one building. Flood insurance for a unit of a multiple-unit complex may be written as a single-building policy, provided that: the unit is self contained; it is a separately titled unit contiguous to the ground; it has a separate legal description; and it is regarded as a separate property for other real estate purposes, meaning that it has most of its own utilities and may be deeded, conveyed, and taxed separately. Additions and Extensions The NFIP insures additions and extensions attached to and in contact with the building by 1. means of a rigid exterior wall, a solid load-bearing interior wall, a stairway, an elevated walkway, or a roof. At the insured’s option, additions and extensions connected by any of these methods may be separately insured. Additions and extensions attached to and in contact with the building by means of a common interior wall that GR 4 is not a solid load-bearing wall are always considered part of the building and cannot be separately insured. C. Walls 1. Breakaway Walls For an enclosure's wall to qualify as breakaway, it must meet all of the following criteria: a. Above ground level; and b. Below the elevated floor of an elevated structure; and c. Non-structurally supporting (non-loadbearing walls); and d. Designed to fail under certain wave force conditions; and e. Designed so that, as a result of failure, it causes no damage to the elevated portions of the elevated building and/or its supporting foundation system. 2. Shear Walls Shear walls are used for structural support, but are not structurally joined or enclosed at the ends (except by breakaway walls). Shear walls are parallel (or nearly parallel) to the flow of the water and can be used in any zone. 3. Solid Perimeter Foundation Walls Solid perimeter foundation walls are used as a means of elevating the building in A Zones and must contain proper openings to allow for the unimpeded flow of floodwaters more than 1 foot deep. Solid perimeter foundation walls are not an acceptable means of elevating buildings in V/VE Zones. D. Determination of Building Occupancy The following terms should be used to determine the appropriate occupancy classification: Single Family Dwellings These are non-condominium residential buildings designed for principal use as a dwelling place for one family, or a single- family dwelling unit in a condominium building. Residential single family dwellings are permitted incidental occupancies, including October 1, 2005 community's floodplain management permit request, then the waiting period will be requirements) calculated from the application or endorsement date. 23. Water Treatment Plant (unless 51 percent of its actual cash value is above ground) 2. If the application or endorsement form and the premium payment are received at the B. Contents Coverage NFIP after 10 days from the date of application or endorsement request, or are 1. Automobiles--Including Dealer's Stock not mailed by certified mail within 4 days (assembled or not) from the date of application or endorsement 2. Bailee's Customer Goods--Including request, then the waiting period will be calculated from the date the NFIP receives garment contractors, cleaners, shoe repair the application or endorsement. shops, processors of goods belonging to others, and similar risks As used in VIIl.B.1. and 2. above, the term “certified mail” extends to not only the U.S. 3. Contents Located in a Structure Not Eligible Postal Service but also certain third-party for Building Coverage delivery services. Acceptable third-party delivery services include Federal Express (FedEx), 4. Contents Located in a Building Not Fully United Parcel Service (UPS), and courier Walled and/or Contents Not Secured services and the like that provide proof ofAgainst Flotation mailing. Third-party delivery is acceptable if the 5. Motorcycles--Including Dealer's Stock delivery service provides documentation of the (assembled or not) actual mailing date and delivery date to the NFIP insurer. Bear in mind that third-party delivery 6. Motorized Equipment--Including Dealer's services deliver to street addresses but cannot Stock (assembled or not) deliver to U.S. Postal Service post office boxes. C. Non-Residential Condominium Unit C. Effective Date The owner of a non-residential condominium unit 1. New Policy (other than 2, 3, or 4 below)- cannot purchase a unit owner's policy. The The effective date of a new policy will be association can purchase a condominium 12:01 a.m., local time, on the 30th calendar association policy to cover the entire building. day after the application date and the Contents coverage only may be purchased by the presentment of premium. (Example: a unit owner. policy applied for on May 3 will become effective 12:01 a.m., local time, on June 2.) VIII. POLICY EFFECTIVE DATE The effective date of coverage is subject to the waiting period rule listed under B.1 or A. Evidence of Insurance B.2 above. A copy of the Flood Insurance Application and 2. New Policy (in connection with making, premium payment, or a copy of the declarations increasing, extending, or renewing a loan, page, is sufficient evidence of proof of purchase. whether conventional or otherwise)--Flood The NFIP does not recognize an oral binder or insurance, which is initially purchased in contract of insurance. connection with the making, increasing, extending, or renewal of a loan, shall be B. Start of Waiting Period effective at the time of loan closing, There is a standard 30-day waiting period for new provided that the policy is applied for and applications and for endorsements to increase the presentment of premium is made at or prior to the loan closing. (Example: coverage. presentment of premium and application date--April 3, refinancing--April 3 at 3:00 1. If the application or endorsement form and p.m., policy effective date--April 3 at 3:00 the premium payment are received at the p.m.) This rule applies to all buildingsNFIP within 10 days from the date of regardless of flood zone. The waiting period application or endorsement request, or if rule listed under B.1 or B.2 above does not mailed by certified mail within 4 days from apply. the date of application or endorsement GR 7 May 1, 2005 3. New Policy (in connection with lender requirement)--The 30-day waiting period does not apply when flood insurance is required as a result of a lender determining that a loan on a building in a Special Flood Hazard Area (SFHA) that does not have flood insurance coverage should be protected by flood insurance. The coverage is effective upon the completion of an application and the presentment of payment of premium. (Example: presentment of premium and application date--April 3, policy effective date--April 3.) The waiting period rule listed under B.1 or B.2 must be used. 12:01 a.m., local time, on the 30th calendar day after the presentment of premium. The three exceptions are as follows. First, there is no waiting period if the initial purchase of flood insurance on a submit- for-rate application is in connection with making, increasing, extending, or renewing a loan, provided that the policy is applied for and the presentment of premium is made at or prior to the loan closing. The waiting period rule listed under B.1 or B.2 above does not apply. 4. 5. 6. New Policy (when the initial purchase of flood insurance is in connection with the revision or updating of a Flood Hazard Boundary Map or Flood Insurance Rate Map)--During the 13-month period beginning on the effective date of the map revision, the effective date of a new policy shall be 12:01 a.m., local time, following the day after the application date and the presentment of premium. This rule only applies where the Flood Hazard Boundary Map (FHBM) or Flood Insurance Rate Map (FIRM) is revised to show the building to be in a Special Flood Hazard Area (SFHA) when it had not been in an SFHA. (Example: FIRM revised--January 1, 2005, policy applied for and presentment of premium--August 3, 2005, policy effective date--August 4, 2005.) The waiting period rule listed under B.1 or B.2 above must be used. New Policy (in connection with the purchase of an RCBAP)--When a condominium association is purchasing a Residential Condominium Building Association Policy (RCBAP), the 30-day waiting period does not apply if the condominium association is required to obtain flood insurance as part of the security for a loan under the name of the condominium association. The coverage is effective upon completion of an application and presentment of premium. The waiting period rule listed under B.1 or B.2 above does not apply. In all other circumstances, the 30-day waiting period applies, and the waiting period rule listed under B.1 or B.2 above must be used. New Policy (submit-for-rate application)- With three exceptions (described below), the effective date of a new policy will be 7. Second, the 30-day waiting period does not apply when flood insurance is required as a result of a lender determining that a loan which does not have flood insurance coverage should be protected by flood insurance, because the building securing a loan is located in an SFHA. The coverage is effective upon the completion of an application and the presentment of payment of premium. This exemption from the 30-day waiting period applies only to loans in SFHAs, i.e., those loans for which the statute requires flood insurance. The waiting period rule listed under B.1 or B.2 above must be applied. Third, during the 13-month period beginning on the effective date of a map revision, the effective date of a new policy shall be 12:01 a.m., local time, following the day after the date the increased amount of coverage is applied for and the presentment of additional premium is made. This rule applies only on an initial purchase of flood insurance where the Flood Hazard Boundary Map (FHBM) or Flood Insurance Rate Map (FIRM) is revised to show the building to be in an SFHA when it had not been in an SFHA. The waiting period rule listed under B.1 or B.2 must be applied. New Policy (rewrite Standard to PRP)--The 30-day waiting period does not apply when an insured decides to rewrite the existing policy at the time of renewal from Standard to a Preferred Risk Policy (PRP), provided that the selected PRP coverage limit amount is no higher than the next highest PRP amount above that which was carried on the Standard policy using the highest of building and contents coverage. In those cases where the Standard policy has only one kind of coverage, either building or contents only, the 30-day waiting period applies. GR 8 October 1, 2005 NOTE: The mailing address may or may not reflect the community where the property is located. Do not rely on the mailing address when determining community status and identification. Because of possible changes in the Flood Insurance Rate Map (FIRM), do not rely on information from a prior policy. Enter the community identification number, map panel number, and revision suffix for the community where the property is located. When there is only one panel (i.e., a flat map), the community number will consist of only six digits. Use the FIRM in effect and that has been published at the time of presentment of premium and completion of application. NOTE: Not all communities that have been assigned NFIP community numbers are participating in the National Flood Insurance Program. Policies may not be written in nonparticipating communities. Community number and status may be obtained by calling the NFIP insurer, by consulting a local community official, or by checking the NFIP Community Status Book online (http://www.fema.gov/fema/csb.shtm). Check YES if the property is located in a Special Flood Hazard Area; otherwise, check NO. Enter the FIRM zone in the space provided. If the program type is Emergency, leave this area blank. Check R if the community is in the Regular Program, or check E if the community is in the Emergency Program. If the community program type is Regular and the building is Pre-FIRM construction, enter the FIRM zone, if known; otherwise, enter UNKNOWN and follow the Alternative Rating procedure explained in the Rating section of this manual. UNKNOWN cannot be used for manufactured homes or other buildings located in a community having flood Zones V or V1-V30 (VE). Determine whether the community is located in a CBRS or OPA. See CBRS section for additional information. J. Building Complete all required information in this section. . Building Occupancy Indicate the type of occupancy for the building (i.e., single family, 2-4 family, other residential, or non-residential). . Basement or Enclosed Area Below an Elevated Building Indicate whether the building contains a basement (i.e., lowest floor is below ground on all sides). If an enclosure is the lowest floor for rating, use the "With Basement/ Enclosure" Rate Table to determine the rate. If the enclosure is not the lowest floor for rating, use the “Without Basement/ Enclosure” Rate Table and describe the building as “Without Basement/Enclosure.” In A zones, this means that the enclosure was designed with proper openings; in Post-FIRM V zones constructed before October 1, 1981, the enclosure is less than 300 square feet with breakaway walls and no machinery or equipment in the enclosure is below the BFE. The writing company may use the “Obstruction Type” description provided in the Transaction Record Reporting and Processing (TRRP) Plan to show the enclosure on the policy declarations page. . Small Business Risk Indicate Yes or No. . Number of Floors or Building Type Indicate the number of floors in the entire building, including the basement/enclosed area if applicable, in the appropriate space. If the building type is a townhouse/rowhouse being covered under an RCBAP, check "Townhouse/Rowhouse (RCBAP Lowrise Only)." If the building is a manufactured (mobile) home or travel trailer on a foundation, check "Manufactured (Mobile) Home on Foundation" regardless of the building’s size. Dimensions of manufactured (mobile) homes and travel trailers are used only for determining replacement cost eligibility, not for rating. APP 3 October 1, 2005 . Number of Occupancies (Units) For other than single family dwellings, indicate the number of units. . Condo Coverage If condominium coverage is being purchased, indicate whether the coverage is for a condominium unit or the entire condominium building. . Residential Condominium Building Association Policy For a Residential Condominium Building Association Policy (RCBAP), enter the total number of units (including non-residential) within the building and indicate whether the building is a high-rise or low-rise. . Estimated Replacement Cost Using normal company practice, estimate the replacement cost value and enter the value in the space provided. Include the cost of the building foundation when determining the replacement cost value. . Insured's Principal Residence Indicate whether the building is the policyholder's principal residence. . Building in Course of Construction Indicate whether the building is in the course of construction. . Deductible and Deductible Buyback Enter the deductible amount for building and/or contents. Also indicate whether the applicant is “buying back” a $500 deductible. Refer to page RATE 12 to buy back a $500 deductible. (See deductible factors on pages RATE 13 and CONDO 22.) . Elevated Building Indicate whether this is an elevated building. If it is, also indicate, in the next block, whether the area below the lowest elevated floor is free of obstruction or with obstruction. For all elevated buildings using elevation for rating, complete Part 2 on the back of the Flood Insurance Application after you have completed Part 1. . Describe Building and Use For other than 1-4 family dwellings, describe the insured building and its use. This includes manufactured (mobile) homes and travel trailers, other residential structures, and non-residential buildings. For all manufactured (mobile) homes and travel trailers, complete Part 2 on the back of the Flood Insurance Application after you have completed Part 1. . State Government Ownership of Property Check YES if the property is owned by state government; otherwise, check NO. K. Contents Check the box that describes the location of the contents to be insured. Describe any contents that are not personal property household contents. If only building insurance is to be purchased, be sure to notify the applicant of the availability of contents insurance. It is recommended that the applicant initial the contents coverage section if no contents insurance is requested. This will make the applicant aware that the policy will not provide payment for contents losses. L. Construction Data 1. Construction Date Check one of the five blocks in the first part of this section, and enter the appropriate date for the date of construction or building permit date. (For substantial improvement, see the “Substantial Improvement Exception” instructions that follow.) In the Emergency Program, provide the month/day/year of construction. If the month and day are unknown, enter July 1 (07/01) and enter the best information for the year of construction. The rest of the sections should be left blank. If the building was constructed or substantially improved on or before December 31, 1974, or before the effective date of the initial FIRM for the community, the building is considered Pre-FIRM construction. Otherwise, the building is considered Post-FIRM. If the building was substantially improved, enter the actual month, day, and year that APP 4 May 1, 2005 TABLE 3C. REGULAR PROGRAM -- POST-FIRM CONSTRUCTION RATES ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) UNNUMBERED ZONE A -- WITHOUT BASEMENT/ENCLOSURE1 Elevation Difference to nearest foot BUILDING RATES CONTENTS RATES TYPE OF ELEVATION CERTIFICATE Occupancy Occupancy 1-4 Family Other & Non- Residential Residential2 NonResidential2 +5 or more .36 / .10 .48 / .15 .62 / .12 .65 / .12 NO ESTIMATED BASE FLOOD ELEVATION3 +2 to +4 .80 / .12 .83 / .20 .82 / .17 .89 / .23 +1 1.56 / .56 1.76 / .75 1.40 / .63 1.33 / .72 0 or below *** *** *** *** +2 or more .32 / .08 .34 / .09 .50 / .12 .49 / .12 WITH THE ESTIMATED BASE FLOOD ELEVATION4 0 to +1 .77 / .10 .67 / .17 .72 / .15 .76 / .21 -1 2.50 / .93 3.17 / 1.02 2.08 / .67 1.84 / 1.02 -2 or below *** *** *** *** No Elevation Certificate5 2.93 / 1.20 3.96 / 1.70 2.61 / 1.00 2.74 / 1.35 No Elevation Certificate 1 Zone A building with basement (including crawl space below grade on all sides) or enclosure --Submit for Rating. 2 For elevation rated risks other than Single Family, when contents are located one floor or more above lowest floor used for rating --use .35 /.12. 3 Elevation difference is the measured distance between the highest adjacent grade next to the building and the lowest floor of the building. 4 Elevation difference is the measured distance between the estimated BFE provided by the community or registered professional engineer, surveyor, or architect and the lowest floor of the building. 5 For building without basement or enclosure, Elevation Certificate is optional. *** SUBMIT FOR RATING RATE 5 October 1, 2005 TABLE 3D. REGULAR PROGRAM -- POST-FIRM CONSTRUCTION RATES ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) FIRM ZONES '75-81, V1-V30, VE --BUILDING RATES1 Elevation of Lowest Floor Above or Below BFE One Floor, No Basement/Encl More than One Floor, No Basement/Encl More than One Floor, With Basement/Encl Manufactured (Mobile) Home2 1-4 Family Other Residential & Non- Residential 1-4 Family Other Residential & Non- Residential 1-4 Family Other Residential & Non- Residential Single Family Non- Residential 03 1.90 / .34 2.30 / .89 1.53 / .34 1.66 / .83 1.33 / .34 1.49 / .67 2.84 / .28 4.07 / .25 -14 4.06 / 2.08 6.05 / 3.33 3.72 / 2.08 5.22 / 2.53 2.63 / 1.88 2.75 / 2.57 *** *** -2 *** *** *** *** *** *** *** *** FIRM ZONES '75-81, V1-V30, VE --CONTENTS RATES Elevation of Lowest Floor Only -Above Ground Level (No Basement/Encl.) Lowest Floor Above Ground Level & Higher Floors (No Basement/Encl.) More than One Floor With Basement/Enclosure Manufactured (Mobile) Home2 Lowest Floor Above or Below BFE Residential Non- Residential Residential Non- Residential Residential Non- Residential Single Family Non- Residential 03 2.94 / .41 2.60 / 1.91 1.92 / .45 1.82 / 1.13 1.08 / .50 1.08 / .50 2.83 / .45 2.95 / 2.43 -14 6.47 / 3.14 6.35 / 5.53 3.82 / 2.43 4.35 / 3.45 1.27 / .50 3.88 / .50 *** *** -2 *** *** *** *** *** *** *** *** FIRM ZONES '75-81, V1-V30, VE --CONTENTS RATES Elevation of Lowest Floor Above Ground Level More than One Full Floor Above or Below BFE Single Family 2-4 Family Other Residential Non-Residential 03 .55 / .25 .55 / .25 .42 / .25 -14 .55 / .25 .55 / .25 .42 / .25 -2 .55 / .25 .55 / .25 .46 / .25 1 Policies for 1975 through 1981 Post-FIRM and Pre-FIRM buildings in Zones VE and V1-V30 will be allowed to use the Post-’81 V Zone rate table if the rates are more favorable to the insured. See instructions on page RATE 23 for V Zone Optional Rating. 2 The definition of Manufactured (Mobile) Home includes travel trailers. See page APP 3. 3 These rates are to be used if the lowest floor of the building is at or above BFE. 4 Use Submit-for-Rate guidelines if the enclosure below the lowest elevated floor of an elevated building, which is used for rating, is 1 or more feet below BFE. *** SUBMIT FOR RATING FIRM ZONES '75-'81, UNNUMBERED V ZONE SUBMIT FOR RATING RATE 6 May 1, 2005 insurance policy was purchased until 1990. At that time remapping had occurred and the zone had been changed to a more hazardous area, Zone VE. The new policy can use Zone AE as the rating zone if the required documentation is provided. b. Pre-FIRM Construction This “built in compliance” rule also applies to Pre-FIRM construction if the date of construction was on or before December 31, 1974, and was on or after the FIRM date. Example: A building was constructed in November 1974 and the FIRM date was May 3, 1973. The old map showed the building’s location as Zone C. Ten years later in 1984, a new map placed the building in an A zone. Flood insurance coverage was applied for after the map was revised. To use the old map showing Zone C as the rating zone, proper documentation must be submitted. D. Post-’81 V Zone Optional Rating This optional rating is available for new and renewal policies and endorsements with effective dates on or after October 1, 1997. Policies for 1975 through 1981 Post-FIRM and Pre-FIRM buildings in Zones VE and V1-V30 are allowed to use the Post-’81 V Zone rate tables (Tables 3E or 3F) if the rates are more favorable to the insured. In order to qualify, the following criteria must be met: 1. The policy must be rated using the BFE printed on the FIRM panel that includes wave height. The effective date of the FIRM panel must be on or after 10/1/81. 2. The building rates are determined based on the ratio of the estimated building replacement cost and the amount of insurance purchased. 3. The building must be elevated free of obstruction or with obstruction less than 300 square feet. All machinery and equipment located below the BFE are considered obstructions. E. Policies Requiring Re-Rating The following conditions require that the policies be rated using the new map: 1. If an elevation-rated building is altered, making the lowest floor for rating purposes below the BFE. Example: An elevated building is located in an AE Zone at the time of construction. The Lowest Floor Elevation (LFE) was 18’. The BFE was 10’. The Lowest Floor rating was a +8 elevation differential. The map was revised, changing the BFE to 11’. The insured decided to enclose the area beneath the elevated floor and use it as a living area. This changed the LFE to 9’. Due to the alteration, the new map must be used and the building is rated as -2. 2. If a Pre-FIRM or Post-FIRM building is substantially improved or substantially damaged, the building must be re-rated using the FIRM in effect at the time that the substantial improvement occurred. A newer FIRM can always be used if it will result in a more favorable rating. Example: A building was constructed in 1972 and, when flood insurance was applied for in 1976, was found to be located in Zone C. The FIRM was revised in 1984. The building was substantially improved in 1985. Due to the improvement, the building must now be re-rated as Post-FIRM construction using the 1984 map, or the most recent map can be used if it will result in a more favorable rating. If ineligible for renewal as a Preferred Risk Policy because of a map change, the risk must be rewritten as a Standard Flood Insurance Policy. F. Submit-for-Rate Certain properties at high flood risk, because of peculiarities in their exposure to flooding, do not lend themselves to preprogrammed rates. These risks require an in-depth underwriting analysis and must be submitted to the NFIP for an individual (specific) rate. As RATE 23 May 1, 2005 with other lines of property insurance, the underwriter requires documentation to evaluate those risk characteristics that make up the basis for a proper rate. The NFIP's two-fold goal of establishing sound actuarial rates and obtaining information for enforcing floodplain management requires that the following documentation be supplied for risks that fall within the submit-for-rate category: 1. Completed NFIP Flood Insurance Application. 2. Completed current Elevation Certificate. 3. Variance issued by the local community stating that permission was granted to construct the building. If no variance was granted, a statement to that effect signed by the applicant or the applicant's representative is required. 4. Recent photographs of the building (front and back), or a blueprint (layout of the building) if the building is under construction. 5. The square footage of any enclosure(s) below the elevated floor, the use of the enclosure, a list of machinery and equipment, and the approximate value of each item located in the enclosure. 6. Certified letter from either a local building official, an engineer, or an architect verifying that any such enclosures are designed/ built with breakaway walls. 7. A statement from the applicant or the applicant's representative that the enclosure was built at the time that the building was originally constructed, or at a later date (give date). 8. If the building has a basement, a list of machinery and equipment located in the basement and each item's approximate value. 9. For elevated buildings, an Elevated Building Determination Form signed by the insured. For Submit-for-Rate policies written as NFIP direct business, all of the appropriate documentation listed above must be mailed to the NFIP Servicing Agent, P.O. Box 2965, Shawnee Mission, KS 66201-1365. If the building is insurable, the Servicing Agent will deliver a written rate and the applicable ICC premium to the producer. Since a rate must be determined on these risks, no premium is to accompany the submission. Coverage will be effective 30 days after the receipt of the premium at the NFIP, with the following two exceptions: . If the coverage is in conjunction with the making, increasing, extending, or renewing of a loan, the effective date is on the day and time of the loan closing, provided that the policy is applied for and the presentment of premium is made at or prior to the loan closing. . If the new policy is being obtained as a result of a revision to a community’s flood map, during the 13-month period beginning on the effective date of the map revision, the effective date shall be 12:01 a.m., local time, following the day after the presentment of premium. For the NFIP direct business, the presentment of premium is the same as the receipt date of the full premium at the NFIP Servicing Agent. Submit-for-Rate quotations, excluding the ICC premium, Federal Policy Fee, and Probation Surcharge, if applicable, are valid for 90 days. After 90 days, the Flood Insurance Application and supporting documentation must be resubmitted for another determination of the rating. G. Crawl Space A building with a “crawl space” (under-floor space) has its interior floor area (finished or not) no more than 5 feet below the top of the next higher floor. If a crawl space is below grade on all sides, and the elevation of the crawl space floor is below the Base Flood Elevation, the crawl space must be rated according to the guidelines found on pages LFG 24-25. For the purpose of completing the Flood Insurance Application, the building must be described as a “non-elevated building with basement.” NFIP rules and regulations specify that a crawl space with its interior floor below grade on all sides is considered a “basement”; therefore, the Standard Flood Insurance Policy basement coverage limitations apply to such crawl spaces. A building with a crawl space that is not subgrade must be described as an elevated building. RATE 24 October 1, 2005 EXAMPLE 6 REGULAR PROGRAM, 1975-81 POST-FIRM V1-V30, ELEVATION RATED, ZONE V13 Data Essential To Determine Appropriate Rates and Premium:  . Regular Program  . Flood Zone: V13  . Occupancy: Single-Family Dwelling  . # of Floors: 2 Floors  . Basement/Enclosure: None  . Deductible: $500/$500  . Deductible Factor: 1.000  . Contents Location: Lowest Floor Above Ground Level and Higher Floors  . Date of Construction: 1975 - 81 (Post-FIRM)  . Elevation Difference: +1  . Flood Proofed Yes/No: No  . Building Coverage: $150,000  . Contents Coverage: $100,000  . ICC Premium: $35  . CRS Rating: 8  . CRS Discount: 10% Determined Rates: Building: 1.53/.34 Contents: 1.92/.45 COVERAGE BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM PREM. REDUCTION/ INCREASE TOTAL AMOUNT OF INSURANCE BUILDING 50,000 1.53 765 100,000 .34 340 0 150,000 1,105 CONTENTS 20,000 1.92 384 80,000 .45 360 0 100,000 744 RATE TYPE: (ONE BUILDING PER POLICYBLANKET COVERAGE NOT PERMITTED) PAYMENT ANNUAL SUBTOTAL 1,849 . MANUAL . SUBMIT FOR RATING OPTION: ICC PREMIUM 35 . ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD SUBTOTAL 1,884 . MORTGAGE PORTFOLIO PROTECTION PROGRAM . OTHER: CRS PREMIUM DISCOUNT 10% -188 . PROVISIONAL RATING SUBTOTAL 1,696 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND PROBATION SURCHARGE . THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER FEDERAL POLICY FEE 30 APPLICABLE FEDERAL LAW. SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) TOTAL PREPAID AMOUNT 1,726 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $1,105 / Contents: $744 2. Apply Deductible Factor: Building: 1.000 x $1,105 = $1,105 / Contents: 1.000 x $744 = $744 3. Premium Reduction/Increase: Building: $0 / Contents: $0 4. Subtotal: $1,849 5. Add ICC Premium: $35 6. Subtract CRS Discount: -$188 (10%) 7. Subtotal: $1,696 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $30 10. Total Prepaid Amount: $1,726 RATE 53 October 1, 2005 EXAMPLE 7 REGULAR PROGRAM, POST-1981 VE OR V1-V30, WITH ENCLOSURE, ZONE VE Data Essential To Determine Appropriate Rates and Premium: . Regular Program . Flood Zone: VE  Occupancy: Single-Family Dwelling . # of Floors: 3 or More Floors . Basement/Enclosure: Enclosure (< 300 sq. ft., w/o M&E)  Deductible: $3,000/$3,000  Deductible Factor: .825 . Contents Location: Lowest Floor Above Ground Level and Higher Floors . Date of Construction: Post-81  Elevation Difference: -1 . Flood Proofed Yes/No: No . Replacement Cost: $300,000 . Building Coverage: $250,000 . Contents Coverage: $100,000 . ICC Premium: $14 . CRS Rating: 9 . CRS Discount: 5% Determined Rates: Building: 2.24/2.24 Contents: 1.68/1.68 COVERAGE BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM PREM. REDUCTION/ INCREASE TOTAL AMOUNT OF INSURANCE BUILDING 50,000 2.24 1,120 200,000 2.24 4,480 -980 250,000 4,620 CONTENTS 20,000 1.68 336 80,000 1.68 1,344 -294 100,000 1,386 RATE TYPE: (ONE BUILDING PER POLICYBLANKET COVERAGE NOT PERMITTED) PAYMENT ANNUAL SUBTOTAL 6,006 . MANUAL . SUBMIT FOR RATING OPTION: ICC PREMIUM 14 . ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD SUBTOTAL 6,020 . MORTGAGE PORTFOLIO PROTECTION PROGRAM . OTHER: CRS PREMIUM DISCOUNT 5% -301 . PROVISIONAL RATING SUBTOTAL 5,719 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND PROBATION SURCHARGE . THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER FEDERAL POLICY FEE 30 APPLICABLE FEDERAL LAW. SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) TOTAL PREPAID AMOUNT 5,749 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $5,600 / Contents: $1,680 2. Apply Deductible Factor: Building: .825 x $5,600 = $4,620 / Contents: .825 x $1,680 = $1,386 3. Premium Reduction: Building: $5,600 - $4,620 = $980 / Contents: $1,680 - $1,386 = $294 4. Subtotal: $6,006 5. Add ICC Premium: $14 6. Subtract CRS Discount: -$301 (5%) 7. Subtotal: $5,719 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $30 10. Total Prepaid Amount: $5,749 RATE 54 May 1, 2005 EXAMPLE 10 REGULAR PROGRAM, POST-FIRM, ELEVATION RATED, $500/$500 DEDUCTIBLE OPTION, ZONE AO (WITH CERTIFICATION OF COMPLIANCE) (Rectangle comment tellison 8/11/2005 12:06:06 PM blank) Data Essential To Determine Appropriate Rates and Premium: . Regular Program . Flood Zone: AO (With Certification of Compliance)  Occupancy: Single-Family Dwelling . # of Floors: 2 Floors  Basement/Enclosure: None  Deductible: $500/$500  Deductible Factor: 1.000 . Contents Location: Above Ground Level and Higher Floors . Date of Construction: Post-FIRM  Elevation Difference: +1 . Flood Proofed Yes/No: No . Building Coverage: $250,000 . Contents Coverage: $100,000 . ICC Premium: $4 . CRS Rating: N/A . CRS Discount: N/A Determined Rates: Building: .25/.06 Contents: .34/.11 COVERAGE BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM PREM. REDUCTION/ INCREASE TOTAL AMOUNT OF INSURANCE BUILDING 50,000 .25 125 200,000 .06 120 0 250,000 245 CONTENTS 20,000 .34 68 80,000 .11 88 0 100,000 156 RATE TYPE: (ONE BUILDING PER POLICYBLANKET COVERAGE NOT PERMITTED) PAYMENT ANNUAL SUBTOTAL 401 . MANUAL . SUBMIT FOR RATING OPTION: ICC PREMIUM 4 . ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD SUBTOTAL 405 . MORTGAGE PORTFOLIO PROTECTION PROGRAM . OTHER: CRS PREMIUM DISCOUNT % — . PROVISIONAL RATING SUBTOTAL 405 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND PROBATION SURCHARGE — THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER FEDERAL POLICY FEE 30 APPLICABLE FEDERAL LAW. SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) TOTAL PREPAID AMOUNT 435 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $245 / Contents: $156 2. Apply Deductible Factor: Building: 1.000 x $245 = $245 / Contents: 1.000 x $156 = $156 3. Premium Reduction: Building: $0 / Contents: = $0 4. Subtotal: $405 5. Add ICC Premium: $4 6. Subtract CRS Discount: N/A 7. Subtotal: $405 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $30 10. Total Prepaid Amount: $435 RATE 57 May 1, 2005 EXAMPLE 11 REGULAR PROGRAM, POST-FIRM, ELEVATION RATED, $3,000/$2,000 DEDUCTIBLE OPTION, ZONE AH Data Essential To Determine Appropriate Rates and Premium: . Regular Program . Flood Zone: AH  Occupancy: Non-Residential . # of Floors: 1 Floor  Basement/Enclosure: None  Deductible: $3,000/$2,000  Deductible Factor: .875 . Contents Location: Lowest Floor Above Ground Level . Date of Construction: Post-FIRM  Elevation Difference: -1 . Flood Proofed Yes/No: No . Building Coverage: $250,000 . Contents Coverage: $25,000 . ICC Premium: $4 . CRS Rating: N/A . CRS Discount: N/A Determined Rates: Building: .84/.30 Contents: 1.63/.25 COVERAGE BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM PREM. REDUCTION/ INCREASE TOTAL AMOUNT OF INSURANCE BUILDING 50,000 .84 420 200,000 .30 600 -127 250,000 893 CONTENTS 20,000 1.63 326 5,000 .25 13 -42 25,000 297 RATE TYPE: (ONE BUILDING PER POLICYBLANKET COVERAGE NOT PERMITTED) PAYMENT ANNUAL SUBTOTAL 1,190 . MANUAL . SUBMIT FOR RATING OPTION: ICC PREMIUM 4 . ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD SUBTOTAL 1,194 . MORTGAGE PORTFOLIO PROTECTION PROGRAM . OTHER: CRS PREMIUM DISCOUNT 30% -358 . PROVISIONAL RATING SUBTOTAL 836 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND PROBATION SURCHARGE — THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER FEDERAL POLICY FEE 30 APPLICABLE FEDERAL LAW. SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) TOTAL PREPAID AMOUNT 866 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $1,020 / Contents: $339 2. Apply Deductible Factor: Building: .875 x $1,020 = $893 / Contents: .875 x $339 = $297 3. Premium Reduction: Building: $1,020 - $893 = $127 / Contents = $339 - $297 = $42 4. Subtotal: $1,190 5. Add ICC Premium: $4 6. Subtract CRS Discount: $358 7. Subtotal: $836 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $30 10. Total Prepaid Amount: $866 RATE 58 October 1, 2005 TABLE 4B. RCBAP LOW-RISE CONDOMINIUM RATES (Including Townhouse/Rowhouse) ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) REGULAR PROGRAM -- POST-FIRM CONSTRUCTION FIRM ZONES A1-A30, AE -- BUILDING RATES ELEVATION OF LOWEST FLOOR ABOVE OR BELOW BFE1 BUILDING TYPE ONE FLOOR NO BASEMENT/ENCLOSURE 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 .24/.08 .18/.08 .18/.08 +1 .43/.08 .25/.08 .19/.08 0 .81/.08 .53/.08 .43/.08 -12 2.06/.76 1.74/.70 1.03/.47 -2 *** *** *** FIRM ZONES A1-A30, AE -- CONTENTS RATES ELEVATION OF LOWEST FLOOR ABOVE OR BELOW BFE1 CONTENTS LOCATION LOWEST FLOOR ONLY ABOVE GROUND LEVEL (NO BASEMENT/ENCLOSURE) LOWEST FLOOR ABOVE GROUND LEVEL AND HIGHER FLOORS (NO BASEMENT/ENCLOSURE) BASEMENT/ENCLOSURE AND ABOVE ABOVE GROUND LEVELMORE 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 .59/.12 .41/.12 .38/.12 .35/.12 0 1.10/.12 .72/.12 .40/.12 .35/.12 -12 3.01/.75 1.78/.58 .48/.12 .35/.12 -2 *** *** *** .35/.12 1If LF is -1 because of attached garage, submit application for special consideration; rate may be lower. 2Use Submit-for-Rate guidelines if the enclosure below the lowest floor of an elevated building or if the crawl space (under-floor space) that has its interior floor within 2 feet below grade on all sides, which is used for rating, is 1 or more feet below BFE. ***SUBMIT FOR RATING. CONDO 15 May 1, 2005 TABLE 4C. RCBAP LOW-RISE CONDOMINIUM RATES (Including Townhouse/Rowhouse) ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) UNNUMBERED ZONE A - WITHOUT BASEMENT/ENCLOSURE1 ELEVATION DIFFERENCE TO NEAREST FOOT BUILDING CONTENTS2 TYPE OF ELEVATION CERTIFICATE +5 OR MORE .30/.10 .62/.12 NO ESTIMATED BASE FLOOD ELEVATION3 +2 TO +4 .73/.12 .86/.17 +1 1.40/.56 1.54/.63 0 OR BELOW *** *** +2 OR MORE .24/.08 .50/.12 WITH ESTIMATED BASE FLOOD ELEVATION4 0 TO +1 .53/.10 .79/.15 -1 1.91/.67 1.93/.74 -2 OR BELOW *** *** NO ELEVATION CERTIFICATE5 2.42/1.15 2.79/1.00 NO ELEVATION CERTIFICATE 1Zone A building with basement (including crawl space below grade on all sides) or enclosure--Submit for Rating. 2For elevation rated policies, when contents are located one floor or more above lowest floor used for rating, use .35/.12. 3NO 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. 4WITH 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. 5For building without basement or enclosure, Elevation Certificate is optional. ***SUBMIT FOR RATING. CONDO 16 October 1, 2005 LOWEST FLOOR GUIDE This section is to be used as a guide for identifying the lowest floor for rating buildings being considered for coverage under the National Flood Insurance Program. I. LOWEST FLOOR DETERMINATION The following guidance, along with the comments accompanying each building drawing provided in this section (pages LFG 8-59), will help insurance agents determine the lowest floor so that the appropriate rate can be applied. A. Non-Elevated Buildings In a non-elevated building, the lowest floor used for rating is the building’s lowest floor including a basement, if any. If a building located in an A zone (any flood zone beginning with the letter A) has an attached garage, and the floor level of the garage is below the level of the building, and there is machinery/equipment on the floor of the garage that is below the BFE, the lowest floor is the garage floor unless the garage has proper openings (flood vents). See “Proper Openings” in the Definitions section. B. Elevated Buildings in A Zones In an elevated building located in an A zone (any flood zone beginning with the letter A), the lowest floor used for rating is the lowest elevated floor, with the exceptions described below. If a building located in an A zone has an enclosure below the elevated floor, including an attached garage, the enclosure or garage floor becomes the lowest floor for rating if any of the following conditions exists: • The enclosed space is finished (having more than 20 linear feet of finished wall-paneling, etc.); or • The enclosed space is used for other than building access (stairwells, elevators, etc.), parking, or storage; or • The enclosed space has no proper openings (flood vents). 1. Enclosures with Openings An elevated building with an enclosure below the elevated floor with proper openings (flood vents) in the enclosure can be rated using the elevated floor as the lowest floor. (For elevated buildings with proper openings in the enclosure, the application should indicate “No” for enclosure.) This rule applies to buildings in Zones A, A1-A30, AE, AO, AH, AR, and AR Dual. All enclosures (including an elevator shaft or a crawl space) below the lowest elevated floor must be designed to automatically equalize hydrostatic flood forces on exterior walls by allowing for the entry and exit of floodwaters. A minimum of two openings, with positioning on at least two walls, having a total net area of not less than 1 square inch for every square foot of enclosed area must be provided. The bottom of all openings must be no higher than 1 foot above the grade underneath the openings. 2. Alternative to the Openings Requirement Above In situations where it is not feasible to meet the openings requirement above, it is acceptable to use the following certification/letter in order for the enclosure floor elevation to be excluded for rating: • A registered professional engineer or architect certification that the flood openings are designed to automatically equalize hydrostatic flood forces on exterior walls by allowing for the entry and exit of floodwaters. This certification is required to assure community officials that the openings are designed in accordance with accepted standards of practice. For acceptable certifications, refer to FEMA Technical Bulletin 1-93, “Openings in Foundation Walls for Buildings Located in Special Flood Hazard Areas” at http://www.fema.gov/pdf/fima/job2.pdf. or • A letter or other written evidence from the community building official that the flood openings have been accepted by the community as an alternative to the openings requirement in the International Building Code or the local ordinance based on the issuance of an Evaluation Report on openings by the International Code Council Evaluation Service, Inc. LFG 1 October 1, 2005 3. Crawl Spaces If a building elevated on a crawl space is located in an A zone and has an attached garage, use the following guidelines to determine the lowest floor for rating: • Use the top of the crawl space (underfloor space) floor or the garage floor, whichever is lower, if neither the crawl space nor the garage has proper openings (flood vents); or • Use the top of the crawl space floor, if the only area that has proper openings (flood vents) is the garage; or • Use the top of the garage floor, if the only area that has proper openings (flood vents) is the crawl space; or • Use the top of the finished floor (habitable floor), if both the crawl space and the garage have proper openings (flood vents). C. Elevated Buildings in V Zones In Zones V, VE, and V1-V30, the floor of an enclosed area below the lowest elevated floor is the building's lowest floor if one or more of the following conditions are met: • The enclosed space is finished (having more than 20 linear feet of finished wall-paneling, etc.); or • The enclosed space is used for other than building access (stairwells, elevators, etc.), parking, or storage; or • The enclosed space is of any size, and there is machinery or equipment below the Base Flood Elevation located inside or outside the enclosed space. (Machinery or equipment is defined as building items permanently affixed to the building and that provide utility services for the building—i.e., furnaces, hot water heaters, heat pumps, air conditioners, and elevators and their associated equipment. Washers, dryers, and food freezers are contents items and are not considered machinery or equipment.); or • The enclosed space is constructed with non- breakaway walls (A non-breakaway wall is defined as a wall that is attached to the structural support of the building and is not designed or constructed to collapse under specific lateral loading forces. This type of construction endangers the foundation system of the building.); or • The enclosed space is 300 square feet or more and has breakaway walls; or • The enclosed space has load-bearing (supporting) walls. Also see “D. Post-’81 V Zone Optional Rating” on page RATE 23. II. USE OF ELEVATION CERTIFICATE The Elevation Certificate is used to properly rate buildings located in Special Flood Hazard Areas (SFHAs). Use the criteria below in determining whether use of the Elevation Certificate is mandatory or optional. (See the Special Certifications section, pages CERT 1-2, for more information on using the Elevation Certificate.) A. Mandatory Use of Elevation Certificate An Elevation Certificate is required for a Post- FIRM building located in Zones AE, A1-A30, VE, V1-V30, or a Pre-FIRM building opting for Post- FIRM rates (see “B.” below). An Elevation Certificate is also required for a Post-FIRM building located in unnumbered A Zones (With or Without Estimated BFE), Zone AH, and Zone AO, if the building has a basement or enclosure without proper openings (flood vents). If the building is Post-FIRM construction located in unnumbered A Zones, check with the community official to determine if there is an estimated Base Flood Elevation. If available, an Elevation Certificate that certifies the lowest floor elevation must be submitted. B. Optional Rating Using the Elevation Certificate Buildings located in AR and AR Dual zones, or constructed prior to publication of the initial Flood Insurance Rate Map (Pre-FIRM), can, at the option of the insured, be elevation-rated using Post-FIRM rates. The insured may select the more advantageous rate. In addition, the Elevation Certificate is optional in unnumbered A Zones (With or Without Estimated BFE), Zone AH, and Zone AO if the building has no basement or enclosure. LFG 2 October 1, 2005 LFG 3 October 1, 2005 LFG 4 May 1, 2005 LF (C3.a) LF (C3.d) NON-ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30 1 2 3LF.Lowest Floor 4 HAG.Highest Adjacent Grade BFE.Base Flood Elevation 5 See page LFG 1 for optional elevation rating See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate Letters and numbers in parentheses, as “(C3.a),” correspond to Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description Two floors on slab with attached garage (See Elevation Certificate, Diagram 1) Machinery or Equipment Servicing Building Machinery or equipment in garage Lowest Floor for Rating Top of finished floor if the garage is used for parking vehicle and storage and the machinery/equipment is at or above the BFE, or if the M/E is below the BFE and the garage is properly vented. Application Should Show Building Type— Two floors Basement— None Is Building Elevated?— No Pre-FIRM Rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate table no basement/enclosure category. If LF1 elevation is less than BFE2, use Pre-FIRM rate table no basement/enclosure category. Post-FIRM Rating Use Post-FIRM rate table no basement/enclosure category. If LF1 elevation is 2 or more feet below the BFE2, submit the application to the NFIP for a rate. NON-ELEVATED BUILDINGS LF (C3.a) PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30 1 4 LF.Lowest Floor HAG.Highest Adjacent Grade 2 5 BFE.Base Flood Elevation See page LFG 1 for optional elevation rating 3 6 See page LFG 1 for explanation of proper openings Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate Letters and numbers in parentheses, as “(C3.a),” correspond to Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description Two floors and unfinished basement/subgrade crawl space. Basement/subgrade crawl space floor is no more than 2 feet below grade, and the distance between the basement/subgrade crawl space floor and the top of the next higher floor is no more than 5 feet. Machinery or Equipment Servicing Building With or without machinery or equipment Lowest Floor for Rating Basement/subgrade crawl space Application Should Show Building Type. Three or more floors Is Building Elevated?. No Basement— Unfinished Pre-FIRM Rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate table with basement/enclosure category. If LF1 elevation is less than BFE2, use Pre-FIRM rate table with basement category. Post-FIRM Rating Use Post-FIRM rate table with basement/enclosure category. If LF1 elevation is 1 or more feet below the BFE2, submit the application to the NFIP for a rate. See "G. Crawl Space" on page RATE 24. LF (C3.a) NON-ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30 1 4 LF.Lowest Floor HAG.Highest Adjacent Grade 2 5 BFE.Base Flood Elevation See page LFG 1 for optional elevation rating 3 6 See page LFG 1 for explanation of proper openings Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate Letters and numbers in parentheses, as “(C3.a),” correspond to Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description Two floors and unfinished basement/subgrade crawl space. Basement/subgrade crawl space floor is subgrade more than 2 feet, or subgrade no more than 2 feet, but the distance between the basement/subgrade crawl space floor and the top of the next higher floor is more than 5 feet. Machinery or Equipment Servicing Building With or without machinery or equipment Lowest Floor for Rating Basement/subgrade crawl space Application Should Show Building Type. Three or more floors Is Building Elevated?. No Basement— Unfinished Pre-FIRM Rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate table with basement/enclosure category. If LF1 elevation is less than BFE2, use Pre-FIRM rate table with basement category. Post-FIRM Rating Use Post-FIRM rate table with basement/enclosure category. If LF1 elevation is 2 or more feet below the BFE2, submit the application to the NFIP for a rate. NON-ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30 1 4 LF.Lowest Floor HAG.Highest Adjacent Grade 25 BFE.Base Flood Elevation See page LFG 1 for optional elevation rating 36 See page LFG 1 for explanation of proper openings Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate Letters and numbers in parentheses, as “(C3.a),” correspond to Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description One floor with attached garage Garage is at lower elevation than principal building area (See Elevation Certificate, Diagram 1) Machinery or Equipment Servicing Building Machinery or equipment in garage Lowest Floor for Rating Top of slab of principal building area only if the garage is used for parking vehicle and storage and the machinery/equipment is at or above the BFE, or if the M/E is below the BFE and the garage is properly vented. Application Should Show Building Type— One floor Basement— None Is Building Elevated?— No Pre-FIRM Rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate table no basement/enclosure category. If LF1 elevation is less than BFE2, use Pre-FIRM rate table no basement/enclosure category. Post-FIRM Rating Use Post-FIRM rate table no basement/enclosure category. If LF1 elevation is 2 or more feet below the BFE2, submit the application to the NFIP for a rate. SPECIAL CERTIFICATIONS This section presents detailed instructions for the completion of the National Flood Insurance Program (NFIP) Elevation Certificate and the NFIP Floodproofing Certificates. NOTE: When determining the lowest floor for rating, refer to the Lowest Floor Guide section of this manual. I. NFIP ELEVATION CERTIFICATE The current NFIP Elevation Certificate (EC) became effective on August 1, 1999. Its use became mandatory on October 1, 2000. Since that date, the old EC has not been acceptable for rating policies unless it was completed and certified before October 1, 2000. The current EC and Instructions are reproduced on pages CERT 9-19. Non-NFIP elevation certification forms certified on or after October 1, 2000, do not satisfy NFIP requirements and cannot be used for rating policies. An exception is made to this requirement when the community official completes the old Elevation Certificate with elevation data received by the community before October 1, 2000. It must be noted in the Comments area of Section G of the Elevation Certificate that the community had the data on file before October 1, 2000. Elevation Certificates are required on Post-FIRM construction, but are optional on Pre-FIRM construction. The Elevation Certificate is required by the NFIP to certify the lowest floor of a building so the policy can be properly rated, as follows (also see pages LFG 1-2): . All Post-FIRM structures The Elevation Certificate is to be completed by a land surveyor, engineer, or architect who is authorized by state or local law to certify elevation information when it is required for Zones A1-A30, AE, AH, A (with Base Flood Elevations [BFEs]), V1-V30, VE, and V (with BFEs). Community officials who are authorized by local law or ordinance to provide floodplain management information may also complete this form. For Zones AO and A (without BFEs), a building official, a property owner, or an owner’s representative may also provide the information on this certification. Building elevation information CERT 1 may be available through the community official if the community is a CRS participating community. The lowest adjacent grade and diagram number are required for all new business applications effective on or after October 1, 1997, if the elevation certification date is on or after October 1, 1997. . Pre-FIRM structures rated under Post-FIRM rates Pre-FIRM construction can be elevation rated using the Post-FIRM Elevation Certificate rates, which are more favorable rates if the lowest floor of the building is at or above the BFE for the community. In most cases, the lowest floor level of a Pre-FIRM building is below the BFE, and it would not benefit the insured to pay the cost for an Elevation Certificate in an attempt to secure a lower rate. The decision to obtain an Elevation Certificate and to request Post-FIRM rating of a Pre-FIRM building is an option of the insured. . AR and AR Dual Zones Elevation Certificates are optional on all Post- and Pre-FIRM construction located in AR and AR dual zones. The decision to obtain an Elevation Certificate and to request Post- FIRM rating is at the discretion of the insured. The new Elevation Certificate includes the AR and AR dual zone elevation requirements. Detailed instructions for completion are included on the Elevation Certificate. The producer is to attach the original of the completed Elevation Certificate to the Application. A photocopy is to be forwarded to the policyholder and a copy is retained by the producer. II. USING THE ELEVATION CERTIFICATE: SPECIAL CONSIDERATIONS Section A – Property Owner Information . Section A of the EC includes the building use. This information is helpful in validating the data collected by the insurance agent, and the Flood Insurance Application information. October 1, 2005 . Latitude, longitude, and related information are requested but are optional. The information found in Section A of the Elevation Certificate is critical, as it relates to the insured property. Should information be missing from Section A of the Elevation Certificate (with the exception of optional longitude and latitude related information), the certificate must be returned to the surveyor, engineer, architect, or community official who executed the form. These individuals should be encouraged to fully complete Section A to avoid any delay in the effective date of the flood insurance policy. Section B – Flood Insurance Rate Map (FIRM) Information The Flood Insurance Rate Map (FIRM) information includes the following: . FIRM panel effective date and revised date; . Source of the BFE or base flood depth; NOTE: The same elevation datum should be used in determining all certification elevations as was used in determining the BFE (i.e., NGVD 1929 or NAVD 1988). . Coastal Barrier Resources System (CBRS) area or Otherwise Protected Area (OPA). NOTE: Refer to the Coastal Barrier Resources System section of this manual for flood insurance coverage eligibility. Section C – Building Elevation Information (Survey Required) Responsibilities for building elevation information are as follows. . The surveyor, engineer, or architect is required to provide a number of elevations based on the building type selected. . From the elevations gathered, the insurance agent is required to determine the lowest floor for rating flood insurance. As it relates to Section C of the Elevation Certificate, information found not to be applicable to the property being certified should be marked NA (not applicable) by the surveyor, engineer, or architect. If any part of Section C is left blank, critically review it and contact the surveyor, engineer, or architect who completed the form and your company underwriter with any questions. A parking area located beneath an elevated floor is not considered an attached garage. Elevation(s) of machinery and equipment servicing the building (e.g., water heater, furnace, a/c compressor, heat pump, water pump) must be provided, regardless of its location, whether inside or outside of the building, elevated on a platform or non-elevated. The surveyor, engineer, or architect may not be able to gain access to some crawl spaces to shoot the elevation of the crawl space floor. In this instance, Item C3.a may be left blank and the estimated measurements entered in the Comments area of Section D. Elevations in Section C of the Elevation Certificate are based on feet, except in Puerto Rico, where the metric system is used. The agent must convert any metric elevation readings into feet before calculating the flood insurance premium. Section D – Surveyor, Engineer, or Architect Certification . Includes a comment section for providing additional information not collected in other parts of the certificate. . Validates the insured property address. Section D is the surveyor’s, engineer’s, or architect’s certification that the information provided in Sections A, B, and C of the Elevation Certificate is representative of the certifier’s best efforts to interpret the data available. The surveyor’s, engineer’s, or architect’s signature and identification number are required fields. Some States also may require a seal. Section E – Building Elevation Information (Survey Not Required) for Zone AO and Zone A (Without BFE) Information regarding building type (taken from the eight building diagrams), flood zone, and the elevation difference between the lowest floor and the highest adjacent grade next to the building is required. For Zone A (without a FEMA-issued or community-issued BFE) and Zone AO, a property owner or owner’s authorized representative may complete Sections A, B, and E of the Elevation Certificate. CERT 2 May 1, 2005 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. The maximum one-to four-family residential coverage combination is $250,000 building and $100,000 contents. Up to $100,000 contents- only coverage is available for other residential properties. The maximum non-residential coverage combination is $500,000 building and $500,000 contents. 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. The flood map available at the time of the renewal offer determines a building’s continued eligibility for the PRP. NFIP map grandfathering rules do not apply to the PRP. B. Occupancy Combined building/contents amounts of insurance are available for owners of single- family, two- to four-family, and non-residential properties. Combined building and contents coverage is not available for other residential. 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, 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. D. Exclusions . The PRP is not available in Special Flood Hazard Areas or in Emergency Program communities. . Other residential properties are not eligiblefor building coverage. . Contents located entirely in a basement are not eligible for contents-only coverage. However, contents located entirely in an enclosure are eligible. THE PRP AT A GLANCE POLICY TYPE OCCUPANCY/MAXIMUM LIMITS 1-4 Family Other Residential Non-Residential Combined Building/ Contents $250,000/ $100,000 No Coverage $500,000/ $500,000 Contents Only $100,000 $100,000 $500,000 NOTES: Condominium associations are not eligible for the Preferred Risk Policy. Individual condominium units are not eligible unless they qualify under one of the exceptions on page PRP 2. PRP 1 May 1, 2005 . Condominium associations, unit owners, and their tenants are not eligible for the PRP, except for: . A townhouse/rowhouse building insured under the unit owner’s name; . A detached, single-family dwelling insured under the unit owner's name. . Contents-only coverage for tenants occupying townhouse/rowhouse buildings or detached, single-family dwellings. . Increased Cost of Compliance (ICC) coverage is not available for condominium units. (See footnote 3 on page PRP 3.) III. 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. IV. 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 will be ineligible for renewal as a PRP. Such a risk must be nonrenewed or rewritten as a conventional Standard Flood Insurance Policy (SFIP). V. COVERAGE LIMITS The elevated building coverage limitation provisions do not apply to a policy written as a PRP. VI. 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. VII. DISCOUNTS/FEES/ICC PREMIUM . No Community Rating System discount is associated with the PRP. . Probation fees will be charged. . The Federal Policy Fee of $11.00 is included in the premium and is not subject to commission. . The ICC premium is included. VIII. DEDUCTIBLES The standard deductible for PRPs is $500. Optional deductibles are not available for PRPs. IX. 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. X. CONVERSION OF STANDARD RATED POLICY TO PRP DUE TO MISRATING A policy written as a Standard B, C, or X Zone policy and later found to be eligible for a PRP may be endorsed or rewritten as a PRP for only the current policy term. When the risk has been rated with other than B, C, or X Zone rates, but is later found to be in a B, C, or X Zone and eligible for a PRP, the writing company will be allowed to endorse or cancel/rewrite up to 6 years. The policy may be canceled/rewritten using Cancellation Reason Code 22 if both of the following conditions are met: . The request to endorse or cancel/rewrite the policy is received during the current policy term. . The policy has no open claim or closed paid claim on the policy term being canceled. PRP 2 October 1, 2005 PRP COVERAGES AVAILABLE EFFECTIVE MAY 1, 2004 ONE- TO FOUR-FAMILY RESIDENTIAL BUILDING AND CONTENTS COVERAGE COMBINATIONS1 With Basement or Enclosure Without Basement or Enclosure Building Contents Premium2,3 Building Contents Premium2,3 $ 20,000 $ 8,000 $137 $ 20,000 $ 8,000 $112 $ 30,000 $ 12,000 $163 $ 30,000 $ 12,000 $138 $ 50,000 $ 20,000 $205 $ 50,000 $ 20,000 $180 $ 75,000 $ 30,000 $232 $ 75,000 $ 30,000 $207 $100,000 $ 40,000 $263 $100,000 $ 40,000 $233 $125,000 $ 50,000 $279 $125,000 $ 50,000 $249 $150,000 $ 60,000 $294 $150,000 $ 60,000 $264 $200,000 $ 80,000 $331 $200,000 $ 80,000 $296 $250,000 $100,000 $352 $250,000 $100,000 $317 ALL RESIDENTIAL CONTENTS-ONLY COVERAGE1, 4 Contents Above Ground Level More Than One Floor All Other Locations (Basement-Only Not Eligible) Contents Premium2 Contents Premium2 $ 8,000 $ 39 $ 8,000 $ 61 $ 12,000 $ 53 $ 12,000 $ 86 $ 20,000 $ 81 $ 20,000 $116 $ 30,000 $ 93 $ 30,000 $131 $ 40,000 $105 $ 40,000 $146 $ 50,000 $117 $ 50,000 $156 $ 60,000 $129 $ 60,000 $166 $ 80,000 $153 $ 80,000 $181 $100,000 $177 $100,000 $196 NON-RESIDENTIAL BUILDING AND CONTENTS COVERAGE COMBINATIONS1 With Basement or Enclosure Without Basement or Enclosure Building Contents Premium2,3 Building Contents Premium2,3 $ 50,000 $ 50,000 $ 800 $ 50,000 $ 50,000 $ 500 $100,000 $100,000 $1,375 $100,000 $100,000 $ 800 $150,000 $150,000 $1,850 $150,000 $150,000 $1,050 $200,000 $200,000 $2,200 $200,000 $200,000 $1,300 $250,000 $250,000 $2,500 $250,000 $250,000 $1,500 $300,000 $300,000 $2,800 $300,000 $300,000 $1,700 $350,000 $350,000 $3,100 $350,000 $350,000 $1,850 $400,000 $400,000 $3,350 $400,000 $400,000 $2,000 $500,000 $500,000 $3,850 $500,000 $500,000 $2,300 NON-RESIDENTIAL CONTENTS-ONLY COVERAGE1, 4 Contents Above Ground Level More Than One Floor All Other Locations (Basement-Only Not Eligible) Contents Premium2 Contents Premium2 $ 50,000 $121 $ 50,000 $ 275 $100,000 $231 $100,000 $ 500 $150,000 $321 $150,000 $ 675 $200,000 $381 $200,000 $ 850 $250,000 $441 $250,000 $1,000 $300,000 $501 $300,000 $1,150 $350,000 $561 $350,000 $1,300 $400,000 $621 $400,000 $1,450 $500,000 $741 $500,000 $1,700 1Add the $50.00 Probation Surcharge, if applicable. 2Premium includes Federal Policy Fee of $11.00.3Premium includes ICC premium of $1.00. Deduct this amount if the risk is a townhouse/rowhouse condominium unit or a contents-only policy. 4Contents-only policies are not available for contents located in basement only. NOTES: Condominium associations are not eligible for the Preferred Risk Policy. Individual condominium units are not eligible unless they qualify under one of the exceptions on page PRP 2. The deductibles apply separately to building and contents. Building deductible, $500. Contents deductible, $500. PRP 3 May 1, 2005 The new PRP building and/or contents coverage will be equal either to the building limit issued under the Standard B, C, or X Zone policy or the next higher limit available under the PRP if there is no PRP option equal to the Standard B, C, or X Zone building limit. For a standard contents- only policy, the contents coverage will be equal to the limit issued under the standard policy or the next higher limit. If building coverage is desired, the policy should be endorsed for building and contents coverage with a 30-day waiting period applied. XI. CONVERSION OF STANDARD RATED POLICY TO PRP DUE TO MAP REVISION, LOMA, OR LOMR A standard rated policy may be canceled and rewritten as a PRP as a result of a map revision, LOMA, or LOMR if the effective date of the map change was on or after February 1, 2005. The policy may be canceled/rewritten using newly established Cancellation Reason Code 24 under the following conditions: . The request to cancel/rewrite the standard policy must be received during the policy term or within 6 months of the policy expiration date. . The standard policy has no open claim or closed paid claim on the policy terms being canceled. . The property meets all other PRP eligibility requirements. The building and/or contents coverage on the new PRP must be equal either to the building limit and/or contents limit issued under the standard policy, or to the next higher limit available under the PRP if there is no PRP option equal to the standard policy building and/or contents limit. XII. COMPLETING THE FLOOD INSURANCE PREFERRED RISK POLICY APPLICATION A. Policy Status In the upper right corner of the form, check the appropriate box to indicate if the application is for a NEW policy or a RENEWAL of an existing policy. If the application is for a renewal, enter the current NFIP policy number. B. Policy Term The PRP is available only for 1-year terms. 1. Check the appropriate box to indicate who should receive the renewal bill. If BILL FIRST MORTGAGEE is checked, complete "First Mortgagee" section. If BILL SECOND MORTGAGEE, BILL LOSS PAYEE, or BILL OTHER is checked, provide mailing instructions in "Second Mortgagee or Other" section. 2. Enter the policy effective date and policy expiration date (month-day-year). The effective date of the policy is determined by adding the appropriate waiting period to the date of application in the "Signature" section. The standard waiting period is 30 days. Refer to the General Rules Section, page GR 7, for the applicable waiting period. C. Agent Information Enter the agent's (producer's) name, agency name and number, address, city, state, ZIP Code, telephone number, fax number, and Tax I.D. Number or Social Security Number. D. Insured’s Mailing Address 1. Enter the name, mailing address, city, state, ZIP Code, telephone number, and Social Security Number of the insured. 2. If the insured's mailing address is a post office box or a rural route number, or if the address of the property to be insured is different from the mailing address, complete the "Property Location" section of the application. E. Disaster Assistance 1. Check YES if flood insurance is being required for disaster assistance. Enter the insured's case file number, Tax I.D. Number, or Social Security Number on the line for CASE FILE NUMBER. 2. In the "Second Mortgagee or Other" block, identify the government (disaster) agency, and enter the complete name and mailing address of the disaster agency. 3. If NO is checked, no other information is required. F. First Mortgagee Enter the name, mailing address, city, state, ZIP Code, telephone number, and fax number of the first mortgagee. Enter the loan number. G. Second Mortgagee or Other 1. Identify additional mortgagees by checking the appropriate box and entering the loan number, mortgagee's name, mailing address, telephone number, and fax number. PRP 4 October 1, 2005 2. If more than one additional mortgagee or disaster assistance agency exists, provide the requested information on the producer's letterhead. H. Property Location 1. Check YES if the location of the property being insured is the same as the address entered in the "Insured’s Mailing Address" section. Leave the rest of this section blank unless there is more than one building at the property location. 2. If more than one building is at the location of the insured property, use this section to specifically identify the building to be insured. Briefly describe the building or submit a sketch showing the location of insured buildings to assist the NFIP in matching the policy number to the specific building insured. 3. If NO, provide the address or location of the property to be insured. 4. If the insured's mailing address is a post office box or rural route number, give the street address, legal description, or geographic location of the property. I. Community 1. Enter the name of the county or parish where the property is located. 2. Check YES if the property is located in an unincorporated area of a county; otherwise, check NO. 3. Enter the community identification number, map panel number, and revision suffix for the community where the property is located. Use the FIRM in effect and that has been published at the time of presentment of premium and completion of application. Community number and status may be obtained by calling the writing company, consulting a local community official, or referencing the NFIP Community Status Book online at www.fema.gov/fema/csb.shtm. 4. Enter the Flood Insurance Rate Map zone. J. Building and Contents Complete all required information in this section. 1. Check building occupancy: Single Family, 2-4 Family, Other Residential, or Non- Residential (incl. Hotel/Motel). 2. Enter date of construction. 3. Check building type. If the building has a basement or enclosure, count the basement or enclosure as a floor. If the building type is a manufactured (mobile) home/ travel trailer on foundation, enter the make, model, and serial number in the block at the bottom of this section. 4. Check the “Y” box (YES) or the “N” box (NO) for “CONDO UNIT” and “TOWNHOUSE/ROWHOUSE CONDO UNIT.” 5. Check location of building’s contents. (Contents located entirely in a basement are not eligible for contents-only coverage.) 6. Check YES if the building is the insured's principal residence; otherwise, check NO. 7. Using normal company practice, estimate the replacement cost value and enter the value in the space provided. Include the cost of the building foundation when determining the replacement cost value. K. Notice If the answer to either question A or question B is YES, this risk is not eligible for the Preferred Risk Policy. L. Premium 1. Enter the coverage selected, and the premium, from the appropriate table on the back of the application form. 2. Add the $50.00 Probation Surcharge, if applicable. Deduct $1.00 if this is an application for a townhouse/rowhouse condominium unit. M. Signature The producer must sign the Preferred Risk Policy Application and is responsible for the completeness and accuracy of the information provided on it. Enter the date of application (month/day/year). The waiting period is added to this date to determine the policy effective date of the policy listed in the Policy Term section. A check or money order for the Total Prepaid Amount, payable to the NFIP, must accompany the application. A credit card payment by VISA, MasterCard, Diner’s Club, or American Express will also be acceptable if a disclaimer form, signed by the insured, is submitted with the Preferred Risk Policy Application. The disclaimer will state that cancellation of a policy due to a billing dispute will be permitted only for a billing error or fraud. If the credit card information is taken over the telephone by the producer, the producer may sign the authorization form on behalf of the payor only after having read the disclaimer to the payor. PRP 5 October 1, 2005 PRP 6 May 1, 2005 II. ENDORSEMENT PROCESSING PRIOR TO POLICY RENEWAL (NFIP DIRECT BUSINESS ONLY) A. During Last 90 Days of Policy Term 1. If the premium payment for renewal of the policy has not already been processed by the NFIP, a General Change Endorsement processed will produce a revised Renewal Notice for the upcoming term. 2. If the original Renewal Notice has not been paid, the payor may use the revised Renewal Notice or subsequent Final Notice. B. During Last 75 Days of Policy Term 1. If the original Renewal Notice has not been paid, the producer must submit the General Change Endorsement for the current policy term only and submit a renewal Application for the upcoming term. A separate premium payment must be submitted for each transaction. (The insured and/or mortgagee, if payor, should be advised not to pay the Renewal Notice or Final Notice when a renewal Application and premium have been submitted.) 2. If the original Renewal Notice has been paid, the producer must submit the General Change Endorsement together with any required additional premium for the renewal policy term and, if applicable, a separate General Change Endorsement and additional premium for the remainder of the current policy term. The effective date of the endorsement to increase coverage (up to the inflation factor) will be the “renewal date” only if the endorsement and additional premium are received within the 30-day grace period. C. Refunds Generated from Endorsement Processing The return premium is based on rates in effect on the effective date of the change or the policy effective date, in accordance with the WYO company’s standard business practice. It is calculated by revising the rate, effective from the inception date of the current policy term, provided the inception date is on or after the community conversion date. The Federal Policy Fee and Probation Surcharge (if applicable) are not subject to calculation of return premiums. III. PREPARATION OF FORM A. General Instructions Endorsements are processed by submitting a completed General Change Endorsement form and proper documentation (see III.B.2.a.) to the writing company. Instructions for completing the General Change Endorsement form are self-explanatory. The following items are of special note: . The policy term cannot be changed. All calculations must reflect the policy term shown on the current declarations page. . A geographic location must be given for a property. For example, the insured's mailing address may be shown as: Route 4 Box 179 Danville, Ohio 43014 The property location should be completed as: Farmhouse on the north side of U.S. 70, 6 miles west of Danville, Ohio 43014. . The contents location section should be completed if contents coverage is being added/deleted or if the location of the contents being insured within the described building has changed. Provide an explanation of the change of location in the description area of the section. . The insured must sign and date the General Change Endorsement form whenever there is a request to reduce policy limits, make policy assignment, or change the agent of record. B. Refund Processing Procedures 1. The current NFIP insurer (WYO Company or Direct Business) will be responsible for returning the premium for the current and 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. Agents submit requests to their carrier. 2. Requests for refunds for more than 2 years 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 END 3 October 1, 2005 make a refund for any period exceeding 2 years. At a minimum, this documentation will consist of the following: . 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. . An endorsement request for each year and the premium refund calculation for each year that the company had the policy. . 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; or a flood zone determination certification that guarantees the accuracy of the information. b. In order for the Bureau to process a refund request, the appropriate documentation must be mailed directly 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. Any lapse in coverage does not extend the number of years the premium refund is allowed. The Bureau will return to the sender any unauthorized refund requests for more than 2 years. END 4 May 1, 2005 CANCELLATION/NULLIFICATION Flood insurance coverage may be terminated at any time, by either canceling or nullifying the policy depending upon the reason for the transaction. 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 (WYO Company or Direct Business) 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. 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. The effective date of the cancellation is the date the insured ceased to have an insurable interest in the property. For buildings sold, proof-of-sale documentation is required. . Type of Refund: Pro Rata . Years Eligible for Refund: Up to 2 years . Cancellation Request: Must be received within 1 year of date of sale or removal . Documentation: Bill of sale, settlement statement, proof of removal, or proof of total loss CN 1 October 1, 2005 2. Contents Sold or Removed. (TRRP reason 02) The insured has sold or transferred ownership of the insured property and no longer has an insurable interest, or the insured property has been completely removed from the described location. The effective date of the cancellation is the date the insured ceased to have an insurable interest in the property at the described location, or the date the property was removed from the described location. . Type of Refund: Pro Rata . Years Eligible for Refund: Up to 2 years . Cancellation Request: Must be received within 1 year of date of sale or removal . Documentation: Bill of sale, proof of contents removal, or proof of total loss 3. Policy Canceled and Rewritten To Establish a Common Expiration Date with Other Insurance Coverage. (TRRP reason 03) The new policy must be rewritten within the same company for the same or higher amounts of coverage. However, if it is rewritten for higher amounts of coverage, the waiting period rule will apply. The producer must submit a new Application and premium. Upon receipt of the new policy declarations page, the producer should request cancellation of the prior policy. The effective date of the cancellation will be the same as the effective date of the new policy. . Type of Refund: Pro Rata . Years Eligible for Refund: Current year . Cancellation Request: Must be received within 1 year of the new policy effective date . Documentation: Copy of new policy declarations page 4. Duplicate NFIP Policies. (TRRP reason 04) When a duplicate NFIP policy has been issued, only one policy can remain in effect. The insured can choose which policy is to remain in effect and which policy is to be canceled. This does not apply when there has been a deliberate creation of duplicate policies. If this event does occur, the policy with the later effective date must be canceled. Losses occurring under such circumstances will be adjusted according to the terms and conditions of the first policy. When coverage has been force-placed by a lender using a conventionally written standard policy because the required underwriting information is available, that policy is considered equivalent to the MPPP policy. The WYO Company is authorized to cancel the standard (forceplaced) or the MPPP 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. . Type of Refund: Pro Rata . Years Eligible for Refund: Up to 6 years . Cancellation Request: Must be received within 1 year of the policy expiration date . Documentation: Copy of declaration page(s) and, for the MPPP, 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. . Type of Refund: Full CN 2 May 1, 2005 . Years Eligible for Refund: Current year . Cancellation Request: Must be received during the policy year . 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. . Type of Refund: Full . Years Eligible for Refund: No limit, back to policy inception . Cancellation Request: Must be received within 1 year of the policy expiration date . 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. . Type of Refund: Full . Years Eligible for Refund: Current year . Cancellation Request: Must be received during the policy year . 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. . Type of Refund: Pro Rata . Years Eligible for Refund: Current year . Cancellation Request: Must be received during the policy year . 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, 2005 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. . Type of Refund: Full . 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-month period when a revised map was being reprinted, provided 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 . 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. . Type of Refund: A pro rata premium refund, including Federal Policy Fee and Probation Surcharge, is provided. . Years Eligible for Refund: Up to 6 years . 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. . Type of Refund: Pro Rata . Years Eligible for Refund: Current year . Cancellation Request: Must be received within 6 months of the date the mortgage was paid off for the cancellation to be effective on the date of payoff. When the request is received after 6 months, the effective date for cancellation is the receipt date of the request. . Documentation: Statement from mortgagee that mortgage has been paid off and that flood insurance was required as part of mortgage 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. . Type of Refund: Full . Years Eligible for Refund: Current year . Cancellation Request: Must be received prior to the policy effective date . Documentation: Policyholder’s request 14. Voidance Due to Credit Card Error. (TRRP reason 70) This reason is used when an error or billing dispute occurs (processing error or fraud) on a credit card payment. . Type of Refund: Full . Years Eligible for Refund: Current year . Cancellation Request: Must be received during the policy year . Documentation: Credit card notice of non-payment CN 4 October 1, 2005 15. Insurance No Longer Required Based on FEMA Review of Lender's Special Flood Hazard Area Determination. (TRRP reason 16) Flood insurance was initially required by the mortgagee or other lender because the property was determined to be in a Special Flood Hazard Area (SFHA). Following a review under the Flood Disaster Protection Act of 1973, as amended, FEMA issued a Letter of Determination Review (LODR) because the building or manufactured home is not in an SFHA and insurance is not required. The policy may be canceled back to inception. This cancellation reason can be used only if the request from the borrower and lender was sent to FEMA for a LODR within 45 days from the lender’s notification to the borrower that the building is in an SFHA and that flood insurance is required. . Type of Refund: Full . Years Eligible for Refund: Current year provided no claim has been paid or is pending . Cancellation Request: Must be received during the policy year or within 6 months of the policy expiration date . Documentation: Copy of FEMA’s Letter of Determination Review, and statement from the lender that flood insurance is not required 16. Duplicate Policies from Sources Other Than the NFIP. (TRRP reason 17) This reason code is used to cancel an NFIP policy when a duplicate policy has been obtained from sources other than the NFIP. . Type of Refund: Pro Rata . Years Eligible for Refund: Current year . Cancellation Request: Must be received within 6 months of the new policy effective date. When the request is received after 6 months, the effective date for cancellation is the receipt date of the request. . Documentation: Copy of declarations page of the new policy and a statement from the mortgagee, if any, accepting the non-NFIP policy as the replacement 18. Mortgage Paid Off on a Mortgage Portfolio Protection Program (MPPP) Policy. (TRRP reason 52) This reason code is used to cancel an MPPP Policy after the mortgage is paid off. . Type of Refund: Pro Rata . Years eligible for refund: Current year . Cancellation Request: Must be received within 6 months of the date the mortgage was paid off for the cancellation to be effective on the date of payoff. When the request is received after 6 months, the effective date for cancellation is the receipt date of the request. . Documentation: Statement from mortgagee that mortgage has been paid off and that flood insurance was required as part of mortgage 19. Insurance No Longer Required by the Mortgagee Because the Structure Has Been Removed from the Special Flood Hazard Area (SFHA) by Means of Letter of Map Amendment (LOMA) or Letter of Map Revision (LOMR). (TRRP reason 20) Where flood insurance was required by the mortgagee or other lender because the property was determined to be in an SFHA, and it is later determined that the property is no longer located in an SFHA through the issuance of a LOMA or LOMR, the policy can be canceled provided the lender confirms in writing that the insurance is no longer required because the property was removed from the SFHA. A copy of the LOMA or LOMR must accompany this request. 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. . Type of Refund: Full CN 5 October 1, 2005 . Years Eligible for Refund: Current year and, if applicable, 1 prior year provided 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 . 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 20. Policy Was Written to the Wrong Facility (Repetitive Loss Target Group). (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 Repetitive Loss Target Group. The cancellation effective date must be the same as the policy effective date. . Type of Refund: Full . Years Eligible for Refund: Current year . Cancellation Request: Must be received during the policy year . Documentation: Repetitive Loss Target Group Report provided by the NFIP Bureau and Statistical Agent 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. . Type of Refund: No refund allowed . Years Eligible for Refund: N/A . Cancellation Request: N/A . Documentation: FEMA notification 22. Cancel/Rewrite Due to Misrating. (TRRP reason 22) This reason code is used when ineligible PRPs or MPPP policies are canceled and rewritten 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 rollover indicator “Z” to report the new policy. . Type of Refund: Full . Years Eligible for Refund: Up to 6 years . Cancellation Request: N/A . 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. . Type of Refund: No refund allowed . Years Eligible for Refund: N/A . Cancellation Request: N/A . Documentation: FEMA notification 24. Cancel/Rewrite Due to Map Revision, LOMA, or LOMR. (TRRP reason 24) Effective February 1, 2005, this reason code is used to cancel and rewrite a standard flood insurance policy to a PRP 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/Renewal 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 CN 6 October 1, 2005 one prior year provided that the effective date of the map revision or LOMA/LOMR occurred during the prior year. . Type of Refund: Full . Years Eligible for Refund: 2 . Cancellation Request: Must be received during the policy year or within 6 months of the policy expiration date . 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. 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 and 6. The producer must sign, date, and enter a Tax I.D. Number or Social Security Number in every case. 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 7 October 1, 2005 Processing Outcomes for Cancellation/Nullification of a Flood Insurance Policy Reason Code for Cancellation/ Nullification (with TRRP Code) PREMIUM REFUND FEDERAL POLICY FEE AND PROBATION SURCHARGE PRODUCER COMMISSION (Direct Business Only) Full Pro Rata Full Refund Pro Rata Fully Earned Full Deduction Pro Rata Retained 1 (01) . .  2 (02) . .  3 (03) . .  4 (04) . .  5 (05) . .  6 (06) . .  7 (08) . .  8 (50) . .  9 (09) . .  10 (45) . .  12 (52) . .  13 (60) . .  14 (70) . .  15 (16) . .  16 (17) . .  18 (52) . .  19 (20) . .  20 (21) . .  21 (10) NO REFUND ALLOWED .  22 (22) . .  23 (23) NO REFUND ALLOWED .  24 (24) . . . CN 9 October 1, 2005 CN 10 May 1, 2005 COASTAL BARRIER RESOURCES SYSTEM LIST OF COMMUNITIES COMMUNITY NAME STATE COMMUNITY NUMBER COASTAL BARRIER AREA(S) OTHERWISE PROTECTED AREA(S) Baldwin County (Uninc. Areas) AL 015000 Y Y Dauphin Island (Town) AL 010418 Y Y Gulf Shores (Town) AL 015005 N Y Mobile County (Uninc. Areas) AL 015008 Y Y Orange Beach (City) AL 015011 N Y Branford (Town) CT 090073 Y N Bridgeport (City) CT 090002 Y Y Clinton (Town) CT 090061 Y Y East Lyme (Town) CT 090096 Y N Fenwick (Borough) CT 090187 Y N Groton (City) CT 090126 Y N Groton (Town) CT 090097 Y Y Groton Long Point Association CT 090167 Y N Madison (Town) CT 090079 Y N Milford (City) CT 090082 Y Y New Haven (City) CT 090084 N Y New London (City) CT 090100 Y N Norwalk (City) CT 090012 Y Y Old Lyme (Town) CT 090103 Y N Old Saybrook (Town) CT 090069 Y N Stonington (Borough) CT 090193 Y N Stonington (Town) CT 090106 Y N Stratford (Town) CT 090016 N Y Waterford (Town) CT 090107 Y N West Haven (City) CT 090092 N Y Westbrook (Town) CT 090070 Y N Westport (Town) CT 090019 Y Y Kent County (Uninc. Areas) DE 100001 Y Y Lewes (City) DE 100041 N Y Little Creek (Town) DE 100015 N Y Rehoboth Beach (City) DE 105086 Y Y Slaughter Beach (Town) DE 100050 Y Y Sussex County (Uninc. Areas) DE 100029 Y Y Bay County (Uninc. Areas) FL 120004 N Y Bradenton Beach (City) FL 125091 N Y Brevard County (Uninc. Areas) FL 125092 N Y Cedar Key (City) FL 120373 N Y Charlotte County (Uninc. Areas) FL 120061 N Y Clearwater (City) FL 125096 N Y Collier County (Uninc. Areas) FL 120067 N Y Dania Beach (City) FL 120034 N Y Destin (City) FL 125158 N Y Dixie County (Uninc. Areas) FL 120336 N Y Dunedin (City) FL 125103 N Y CBRS 3 October 1, 2005 COASTAL BARRIER RESOURCES SYSTEM LIST OF COMMUNITIES COMMUNITY NAME STATE COMMUNITY NUMBER COASTAL BARRIER AREA(S) OTHERWISE PROTECTED AREA(S) Escambia County (Uninc. Areas) FL 120080 Y Y Fernandina Beach (City) FL 120172 N Y Flagler County (Uninc. Areas) FL 120085 N Y Fort Lauderdale (City) FL 125105 N Y Fort Pierce (City) FL 120286 N Y Franklin County (Uninc. Areas) FL 120088 Y Y Gulf Breeze (City) FL 120275 Y Y Gulf County (Uninc. Areas) FL 120098 Y Y Hillsborough Co. (Uninc. Areas) FL 120112 Y Y Hollywood (City) FL 125113 N Y Indian River Co. (Uninc. Areas) FL 120119 N Y Islamorada (Village) FL 120424 Y Y Islandia (City) FL 120647 Y Y Jacksonville (City) FL 120077 N Y Jupiter (Town) FL 125119 N Y Jupiter Island (Town) FL 120162 Y Y Key Biscayne (Village) FL 120648 N Y Layton (City) FL 120169 N Y Lee County (Uninc. Areas) FL 125124 Y Y Levy County (Uninc. Areas) FL 120145 N Y Longboat Key (Town) FL 125126 N Y Malabar (Town) FL 120024 N Y Manatee County (Uninc. Areas) FL 120153 Y Y Marathon (City) FL 120681 Y N Martin County (Uninc. Areas) FL 120161 Y Y Miami (City) FL 120650 N Y Miami-Dade County (Uninc. Areas) FL 120635 Y Y Monroe County (Uninc. Areas) FL 125129 Y Y Naples (City) FL 125130 N Y Nassau County (Uninc. Areas) FL 120170 N Y New Smyrna Beach (City) FL 125132 N Y North Palm Beach (Village) FL 120217 N Y Oak Hill (City) FL 120624 N Y Okaloosa County (Uninc. Areas) FL 120173 N Y Orchid (Town) FL 120122 N Y Palm Bay (City) FL 120404 N Y Palm Beach Co. (Uninc. Areas) FL 120192 N Y Pasco Co. (Uninc. Areas) FL 120230 N Y Pensacola Beach-SRIA FL 125138 Y Y Pinellas County (Uninc. Areas) FL 125139 N Y Ponce Inlet (Town) FL 120312 N Y Port St. Joe (City) FL 120099 N Y Port St. Lucie (City) FL 120287 N Y Riviera Beach (City) FL 125142 N Y Sanibel (City) FL 120402 N Y CBRS 4 October 1, 2005 COASTAL BARRIER RESOURCES SYSTEM LIST OF COMMUNITIES COMMUNITY NAME STATE COMMUNITY NUMBER COASTAL BARRIER AREA(S) OTHERWISE PROTECTED AREA(S) Santa Rosa Co. (Uninc. Areas) FL 120274 Y Y Sarasota (City) FL 125150 N Y Sarasota County (Uninc. Areas) FL 125144 N Y Sewall's Point (Town) FL 120164 N Y St. Augustine (City) FL 125145 N Y St. Augustine Beach (City) FL 125146 N Y St. Johns County (Uninc. Areas) FL 125147 N Y St. Lucie County (Uninc. Areas) FL 120285 N Y St. Petersburg (City) FL 125148 N Y Titusville (City) FL 125152 N Y Venice (City) FL 125154 N Y Volusia County (Uninc. Areas) FL 125155 N Y Wakulla County (Uninc. Areas) FL 120315 N Y Walton County (Uninc. Areas) FL 120317 Y Y Bryan County (Uninc. Areas) GA 130016 N Y Camden County (Uninc. Areas) GA 130262 Y Y Chatham County (Uninc. Areas) GA 130030 Y Y Glynn County (Uninc. Areas) GA 130092 Y Y Jekyll Island State Park Authority GA 130201 N Y Liberty County (Uninc. Areas) GA 130123 N Y McIntosh County (Uninc. Areas) GA 130130 N Y Cameron Parish (Uninc. Areas) LA 225194 Y Y Grand Isle (Town) LA 225197 Y Y Iberia Parish (Uninc. Areas) LA 220078 N Y Jefferson Parish (Uninc. Areas) LA 225199 Y Y La Fourche Parish (Unincorp.) LA 225202 Y N Plaquemines Parish (Unincorp.) LA 220139 Y Y St. Bernard Parish (Unincorp.) LA 225204 Y Y St. Mary Parish (Uninc. Areas) LA 220192 Y N Terrebonne Parish (Unincorp.) LA 225206 Y N Vermilion Parish (Unincorp.) LA 220221 Y Y Aquinnah (Town) MA 250070 Y Y Barnstable (Town) MA 250001 Y Y Beverly (City) MA 250077 Y N Boston (City) MA 250286 Y Y Bourne (Town) MA 255210 Y N Brewster (Town) MA 250003 Y N Chatham (Town) MA 250004 Y Y Chilmark (Town) MA 250068 Y Y Cohasset (Town) MA 250236 Y N Dartmouth (Town) MA 250051 Y Y Dennis (Town) MA 250005 Y Y Duxbury (Town) MA 250263 Y N Eastham (Town) MA 250006 Y Y CBRS 5 October 1, 2005 COASTAL BARRIER RESOURCES SYSTEM LIST OF COMMUNITIES COMMUNITY NAME STATE COMMUNITY NUMBER COASTAL BARRIER AREA(S) OTHERWISE PROTECTED AREA(S) Edgartown (Town) MA 250069 Y Y Essex (Town) MA 250080 Y N Fairhaven (Town) MA 250054 Y N Falmouth (Town) MA 255211 Y N Gloucester (City) MA 250082 Y N Gosnold (Town) MA 250071 Y Y Hull (Town) MA 250269 Y N Ipswich (Town) MA 250086 Y Y Kingston (Town) MA 250270 Y N Manchester (Town) MA 250090 Y N Marion (Town) MA 255213 Y N Marshfield (Town) MA 250273 Y N Mashpee (Town) MA 250009 Y Y Mattapoisett (Town) MA 255214 Y N Nantucket (Town) MA 250230 Y N Newbury (Town) MA 250096 N Y Oak Bluffs (Town) MA 250072 Y Y Orleans (Town) MA 250010 Y Y Plymouth (Town) MA 250278 Y N Provincetown (Town) MA 255218 N Y Quincy (City) MA 255219 N Y Rockport (Town) MA 250100 Y N Rowley (Town) MA 250101 N Y Salisbury (Town) MA 250103 N Y Sandwich (Town) MA 250012 Y Y Scituate (Town) MA 250282 Y N Swampscott (Town) MA 250105 Y N Swansea (Town) MA 255221 Y N Tisbury (Town) MA 250073 Y N Truro (Town) MA 255222 Y Y Wareham (Town) MA 255223 Y N Wellfleet (Town) MA 250014 N Y West Tisbury (Town) MA 250074 Y N Westport (Town) MA 255224 Y Y Winthrop (Town) MA 250289 N Y Yarmouth (Town) MA 250015 Y Y Calvert County (Uninc. Areas) MD 240011 Y Y Crisfield (City) MD 240062 N Y Dorchester Co. (Uninc. Areas) MD 240026 Y Y Kent County (Uninc. Areas) MD 240045 Y Y Queen Annes Co. (Uninc. Areas) MD 240054 Y N Somerset County (Uninc. Areas) MD 240061 Y Y St. Marys County (Unin. Areas) MD 240064 Y Y Talbot County (Uninc. Areas) MD 240066 Y N CBRS 6 October 1, 2005 COASTAL BARRIER RESOURCES SYSTEM LIST OF COMMUNITIES COMMUNITY NAME STATE COMMUNITY NUMBER COASTAL BARRIER AREA(S) OTHERWISE PROTECTED AREA(S) Wicomico County (Uninc. Areas) MD 240078 Y N Worcester Co. (Uninc. Areas) MD 240083 N Y Andrews Island ME 230967 Y N Cape Elizabeth (Town) ME 230043 Y Y Cranberry Isles (Town) ME 230278 Y N Cumberland (Town) ME 230162 Y N Cutler (Town) ME 230310 Y Y Georgetown (Town) ME 230209 N Y Harpswell (Town) ME 230169 Y N Harrington (Town) ME 230314 Y N Islesboro (Town) ME 230256 Y N Jonesport (Town) ME 230138 Y N Kennebunk (Town) ME 230151 Y N Kittery (Town) ME 230171 Y N Lubec (Town) ME 230139 Y N Machiasport (Town) ME 230141 Y N Milbridge (Town) ME 230142 N Y Ogunquit (Town) ME 230632 N Y Perry (Town) ME 230319 Y N Phippsburg (Town) ME 230120 Y Y Portland (City) ME 230051 Y N Roque Bluffs (Town) ME 230322 Y Y Scarborough (Town) ME 230052 Y N Steuben (Town) ME 230323 Y Y Wells (Town) ME 230158 Y Y York (Town) ME 230159 Y N Alpena (City) MI 260010 Y N Alpena (Township) MI 260011 Y N Arcadia (Township) MI 260306 Y N Bay De Noc (Township) MI 260685 Y N Blaine (Township) MI 260027 Y N Brownstown (Charter Township) MI 260218 Y N Cedarville (Township) MI 260659 Y N Clark (Township) MI 260759 Y N Detour (Township) MI 260775 Y N Drummond Island (Township) MI 260803 Y N Ensign (Township) MI 260752 Y N Frenchtown (Charter Township) MI 260146 Y N Garfield (Township) MI 260766 Y N Hendricks (Township) MI 260806 Y N Houghton (Township) MI 260799 Y N Hudson (Township) MI 260807 Y N Huron (Township) MI 260415 Y N LaSalle (Township) MI 260148 Y N CBRS 7 October 1, 2005 COASTAL BARRIER RESOURCES SYSTEM LIST OF COMMUNITIES COMMUNITY NAME STATE COMMUNITY NUMBER COASTAL BARRIER AREA(S) OTHERWISE PROTECTED AREA(S) Luna Pier (City) MI 260150 Y N Moran (Township) MI 260443 Y N Onota (Township) MI 260345 Y N Port Austin (Township) MI 260290 Y N Powell (Township) MI 260452 Y N St. Ignace (Township) MI 260444 Y N White River (Township) MI 260299 Y N Whitefish (Township) MI 260321 Y N Whitney (Township) MI 260018 Y N Duluth (City) MN 270421 Y N Gautier (City) MS 280332 Y N Hancock County (Uninc. Areas) MS 285254 Y N Harrison County (Uninc. Areas) MS 285255 Y Y Jackson County (Uninc. Areas) MS 285256 Y Y Ocean Springs (City) MS 285259 Y N Bald Head Island (Village) NC 370442 N Y Brunswick Co. (Uninc. Areas) NC 370295 Y Y Carolina Beach (Town) NC 375347 Y N Carteret County (Uninc. Areas) NC 370043 N Y Currituck Co. (Uninc. Areas) NC 370078 Y Y Dare County (Uninc. Areas) NC 375348 Y Y Hyde County (Uninc. Areas) NC 370133 N Y Kill Devil Hills (Town) NC 375353 Y N Nags Head (Town) NC 375356 Y Y New Hanover Co. (Uninc. Areas) NC 370168 Y Y North Topsail Beach (Town) NC 370466 Y N Onslow County (Uninc. Areas) NC 370340 Y Y Pender County (Uninc. Areas) NC 370344 Y N Pine Knoll Shores (Town) NC 370267 N Y Sunset Beach (Town) NC 375359 Y N Wrightsville Beach (Town) NC 375361 Y N Aberdeen (Township) NJ 340312 N Y Bass River (Township) NJ 340085 N Y Berkeley (Township) NJ 340369 N Y Brick (Township) NJ 345285 Y Y Brigantine (City) NJ 345286 N Y Cape May City (City) NJ 345288 N Y Dennis (Township) NJ 340552 Y Y Galloway (Township) NJ 340008 N Y Highlands (Borough) NJ 345297 N Y Keyport (Borough) NJ 340304 Y N Lacey (Township) NJ 340376 N Y Little Egg Harbor (Township) NJ 340380 N Y Long Beach (Township) NJ 345301 N Y CBRS 8 October 1, 2005 COASTAL BARRIER RESOURCES SYSTEM LIST OF COMMUNITIES COMMUNITY NAME STATE COMMUNITY NUMBER COASTAL BARRIER AREA(S) OTHERWISE PROTECTED AREA(S) Lower (Township) NJ 340153 N Y Maurice River (Township) NJ 340172 Y Y Middle (Township) NJ 340154 Y Y Middletown (Township) NJ 340313 Y N Monmouth Beach (Borough) NJ 340315 Y N North Wildwood (City) NJ 345308 Y N Ocean City (City) NJ 345310 N Y Old Bridge (Township) NJ 340265 Y N Port Republic (City) NJ 340016 N Y Rumson (Borough) NJ 345316 Y N Sea Bright (Borough) NJ 345317 Y Y Stafford (Township) NJ 340393 Y Y Stone Harbor (Borough) NJ 345323 Y N Union Beach (Borough) NJ 340331 Y N Upper (Township) NJ 340159 N Y West Cape May (Borough) NJ 340160 N Y Asharoken (Village) NY 365333 Y N Babylon (Town) NY 360790 Y Y Bayville (Village) NY 360988 N Y Belle Terre (Village) NY 361532 Y N Brookhaven (Town) NY 365334 Y Y Brownville (Town) NY 361063 Y N Cape Vincent (Town) NY 361062 Y N East Hampton (Town) NY 360794 Y Y East Hampton (Village) NY 360795 Y N Ellisburg (Town) NY 360334 Y N Evans (Town) NY 360240 Y N Freeport (Village) NY 360464 Y N Glen Cove (City) NY 360465 N Y Head of the Harbor (Village) NY 361513 Y N Hempstead (Town) NY 360467 Y Y Henderson (Town) NY 360338 Y N Hounsfield (Town) NY 360340 Y N Huntington (Town) NY 360796 Y Y Huntington Bay (Village) NY 361543 Y N Islip (Township) NY 365337 Y Y Lattingtown (Village) NY 360474 Y Y Lloyd Harbor (Village) NY 360799 Y Y Lyme (Town) NY 360343 Y N New Haven (Town) NY 360655 Y N New York (City) NY 360497 N Y Nissequogue (Village) NY 361510 Y N North Haven (Village) NY 360800 Y Y Old Field (Village) NY 361545 Y N CBRS 9 October 1, 2005 COASTAL BARRIER RESOURCES SYSTEM LIST OF COMMUNITIES COMMUNITY NAME STATE COMMUNITY NUMBER COASTAL BARRIER AREA(S) OTHERWISE PROTECTED AREA(S) Oswego (City) NY 360656 Y N Oswego (Town) NY 360657 Y N Oyster Bay (Town) NY 360483 Y Y Parma (Town) NY 360425 Y N Poquott (Village) NY 361518 Y N Port Jefferson (Village) NY 360804 Y Y Richland (Town) NY 360660 Y N Riverhead (Town) NY 360805 Y Y Sands Point (Village) NY 360492 Y Y Sandy Creek (Town) NY 360661 Y N Scriba (Town) NY 360663 Y N Shelter Island (Town) NY 360809 Y N Smithtown (Town) NY 360810 Y N Sodus (Town) NY 360898 Y N Southampton (Town) NY 365342 Y Y Southampton (Village) NY 365343 Y N Southold (Town) NY 360813 Y Y Sterling (Town) NY 360126 Y N Wolcott (Town) NY 360901 Y N Erie County (Uninc. Areas) OH 390153 Y N Grand River (Village) OH 390315 Y N Kelleys Island (Village) OH 390738 Y N Lake County (Uninc. Areas) OH 390771 Y N Mentor (City) OH 390317 Y N Ottawa County (Uninc. Areas) OH 390432 Y N Puerto Rico (Commonwealth) PR 720000 N Y Barrington (Town) RI 445392 Y N Bristol (Town) RI 445393 Y N Charlestown (Town) RI 445395 Y Y Jamestown (City) RI 445399 Y Y Little Compton (Town) RI 440035 Y Y Middletown (Town) RI 445401 N Y Narragansett (Town) RI 445402 Y Y New Shoreham (Town) RI 440036 Y Y Newport (City) RI 445403 Y Y North Kingstown (Town) RI 445404 Y N Portsmouth (Town) RI 445405 Y Y South Kingstown (Town) RI 445407 Y Y Tiverton (Town) RI 440012 Y N Warren (Town) RI 445408 Y N Warwick (City) RI 445409 Y Y Westerly (Town) RI 445410 Y Y Awendaw (Town) SC 450262 N Y Beaufort County (Uninc. Areas) SC 450025 Y Y CBRS 10 October 1, 2005 COASTAL BARRIER RESOURCES SYSTEM LIST OF COMMUNITIES COMMUNITY NAME STATE COMMUNITY NUMBER COASTAL BARRIER AREA(S) OTHERWISE PROTECTED AREA(S) Briarcliffe Acres (Town) SC 450232 Y N Charleston (City) SC 455412 Y N Charleston Co. (Uninc. Areas) SC 455413 Y Y Colleton County (Uninc. Areas) SC 450056 Y Y Edisto Beach (Town) SC 455414 N Y Folly Beach (City) SC 455415 Y Y Georgetown Co. (Uninc. Areas) SC 450085 Y Y Horry County (Uninc. Areas) SC 450104 Y N Jasper County (Uninc. Areas) SC 450112 N Y Kiawah Island (Town) SC 450257 Y N McClellanville (Town) SC 450039 N Y Mount Pleasant (Town) SC 455417 Y N North Myrtle Beach (Town) SC 450110 Y N Pawleys Island (Town) SC 450255 Y N Seabrook Island (Town) SC 450256 Y N Aransas County (Uninc. Areas) TX 485452 Y Y Aransas Pass (City) TX 485453 N Y Brazoria County (Uninc. Areas) TX 485458 Y Y Calhoun County (Uninc. Areas) TX 480097 Y Y Cameron County (Uninc. Areas) TX 480101 Y Y Chambers County (Uninc. Areas) TX 480119 Y N Corpus Christi (City) TX 485464 Y Y Galveston (City) TX 485469 N Y Galveston Co. (Uninc. Areas) TX 485470 Y Y Jefferson Co. (Uninc. Areas) TX 480385 Y Y Kenedy County (Uninc. Areas) TX 481230 N Y Kleberg County (Uninc. Areas) TX 480423 Y Y Matagorda Co. (Uninc. Areas) TX 485489 Y Y Nueces County (Uninc. Areas) TX 485494 N Y Port Aransas (City) TX 485498 N Y Port Arthur (City) TX 485499 Y Y Quintana (Village) TX 481301 Y N South Padre Island (Town) TX 480115 N Y Texas City (City) TX 485514 Y Y Willacy County (Uninc. Areas) TX 480664 Y Y Accomack County (Uninc. Areas) VA 510001 Y Y Gloucester Co. (Uninc. Areas) VA 510071 Y N Hampton (City) VA 515527 Y Y Lancaster Co. (Uninc. Areas) VA 510084 Y N Mathews Co. (Uninc. Areas) VA 510096 Y N Middlesex Co. (Uninc. Areas) VA 510098 Y N Northampton Co. (Uninc. Areas) VA 510105 Y Y Northumberland Co. (Uninc. Areas) VA 510107 Y N Poquoson (City) VA 510183 N Y CBRS 11 October 1, 2005 COASTAL BARRIER RESOURCES SYSTEM LIST OF COMMUNITIES COMMUNITY NAME STATE COMMUNITY NUMBER COASTAL BARRIER AREA(S) OTHERWISE PROTECTED AREA(S) Tangier (Town) VA 510004 Y N Virginia Beach (City) VA 515531 N Y Westmoreland Co. (Uninc. Areas) VA 510250 Y N Virgin Islands (Territory) VI 780000 Y Y Bayfield County (Uninc. Areas) WI 550539 Y N Brown County (Uninc. Areas) WI 550020 Y N Manitowoc Co. (Uninc. Areas) WI 550236 Y N Marinette Co. (Uninc. Areas) WI 550259 Y N CBRS 12 October 1, 2005 COMMUNITY RATING SYSTEM I. GENERAL DESCRIPTION The Community Rating System (CRS) is a voluntary program for NFIP-participating communities. The goals of the CRS are to reduce flood losses, to facilitate accurate insurance rating, and to promote the awareness of flood insurance. The CRS has been developed to provide incentives for communities to go beyond the minimum floodplain management requirements to develop extra measures to provide protection from flooding. The incentives are in the form of premium discounts. II. ELIGIBILITY For a community to be eligible, the communitymust be in full compliance with the NFIP and be in the Regular phase of the program. Communitiesin the Emergency phase of the program are not eligible. 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 pointsand gives the greatest premium discount; Class10 identifies a community that does not apply forthe 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 forpolicyholders. Premium discounts ranging from 5 percent to a maximum of 45 percent will be applied to every policy written in a community asrecognition of the floodplain management activities instituted. The table below shows premium discounts forCRS Classes 1-10 within different flood zones. IV. CRS ACTIVITIES THAT CAN DIRECTLY BENEFIT INSURANCE AGENTS Certain activities that are credited under the CRS provide direct benefit to agents writing flood insurance. All CRS communities must maintain completedFEMA elevation and floodproofing certificates forall new and substantially improved construction in the Special Flood Hazard Area after the date ofapplication 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 forPost-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 for inquirers. Many CRS communities receive credit for providing inquirers with information from the community's FIRM. This includes a property'sflood risk zone and the Base Flood Elevation. The service must be publicized once a year. If a community is receiving this credit, then agentsshould 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. Preferred Risk Policies and Mortgage Portfolio Protection Program policies are not eligible for CRS Premium Discounts. *For the purpose of determining CRS Premium Discounts, all AR and A99 zones are treated as non-SFHAs. CRS 1 May 1, 2005 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 040020 040028 040044 040045 040067 040037 040048 040058 040066 040051 040073 040098 Alabama Athens, City of Atmore, City of Baldwin County Birmingham, City of Dauphin Island, Town of Decatur, City of Gulf 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 of Cochise County Coconino County 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 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 10/1/91 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 10/1/98 05/1/02 10/1/95 10/1/05 04/1/01 10/1/05 10/1/93 10/1/01 10/1/91 05/1/03 10/1/93 10/1/93 10/1/92 10/1/91 10/1/91 10/1/04 04/1/00 10/1/05 10/1/05 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 10/1/99 10/1/92 10/1/92 10/1/99 10/1/00 05/1/02 04/1/98 10/1/05 10/1/92 10/1/02 04/1/01 10/1/01 10 8 9 6 8 10 9 9 9 7 10 8 9 9 9 7 8 9 9 9 9 10 10 8 8 7 8 8 9 8 8 10 8 8 8 5 10 8 9 6 6 8 0 10 5 20 10 0 5 5 5 15 0 10 5 5 5 15 10 5 5 5 5 0 0 10 10 15 10 10 5 10 10 0 10 10 10 25 0 10 5 20 20 10 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 0 5 5 5 10 0 5 5 10 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 R C C C C R 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, 2005 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) 040090 045012 040130 040069 040054 040076 040056 Santa Cruz County Scottsdale, City of Sedona, City of Show Low, City of Tempe, City of Tucson, City of Wickenburg, Town of 10/1/03 10/1/91 10/1/91 10/1/91 10/1/91 10/1/91 10/1/92 10/1/03 10/1/95 10/1/91 10/1/91 05/1/02 10/1/02 10/1/92 7 7 9 9 8 7 9 15 15 5 5 10 15 5 5 5 5 5 5 5 5 C C C C C C C 040031 Winkelman, Town of 10/1/91 10/1/95 040093 Yavapai County 10/1/91 10/1/92 Arkansas 050029 Arkadelphia, City of 10/1/91 10/1/05 050192 Benton, City of 10/1/93 10/1/93 050419 Benton County 05/1/05 05/1/05 050012 Bentonville, City of 10/1/92 10/1/02 050140 Blytheville, City of 10/1/95 10/1/95 050046 Bono, City of 10/1/92 05/1/02 050308 Bryant, City of 10/1/92 10/1/92 050433 Garland County 10/1/93 10/1/93 050168 Helena, City of 10/1/93 10/1/99 050084 Hot Springs, City of 10/1/93 10/1/93 050180 Jacksonville, City of 10/1/94 10/1/04 050048 Jonesboro, City of 10/1/92 10/1/92 050181 Little Rock, City of 10/1/91 10/1/01 050088 Malvern, City of 10/1/91 10/1/96 050109 Pine Bluff, City of 10/1/94 10/1/95 050055 West Memphis, City of 10/1/92 10/1/02 California 060001 Alameda County 10/1/92 10/1/99 060213 Anaheim, City of 10/1/91 05/1/02 060714 Clearlake, City of 05/1/03 05/1/03 060025 Contra Costa County 10/1/91 04/1/01 065023 Corte Madera, Town of 10/1/03 10/1/03 060339 Cupertino, City of 10/1/05 10/1/05 060370 Fairfield, City of 10/1/92 05/1/02 060218 Fountain Valley, City of 10/1/96 04/1/98 065028 Fremont, City of 04/1/01 04/1/01 065029 Fresno County 10/1/91 10/1/02 060048 Fresno, City of 10/1/92 10/1/02 065034 Huntington Beach, City of 10/1/95 10/1/00 060222 Irvine, City of 10/1/91 05/1/02 060075 Kern County 10/1/91 10/1/93 060090 Lake County 10/1/95 10/1/00 060136 Long Beach, City of 10/1/93 10/1/03 060341 Los Altos, City of 10/1/91 10/1/96 10 0 0 R 8 10 5 C 8 10 5 C 9 5 5 C 8 10 5 C 8 10 5 C 9 5 5 C 8 10 5 C 9 5 5 C 9 5 5 C 10 0 0 R 9 5 5 C 8 10 5 C 9 5 5 C 8 10 5 C 10 0 0 R 10 0 0 R 8 10 5 C 7 15 5 C 6 20 10 C 9 5 5 C 6 20 10 C 8 10 5 C 8 10 5 C 8 10 5 C 8 10 5 C 7 15 5 C 6 20 10 C 6 20 10 C 7 15 5 C 8 10 5 C 8 10 5 C 7 15 5 C 7 15 5 C 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 3 October 1, 2005 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 065043 060137 060344 060735 060195 065074 060346 060347 060751 060207 060227 060178 060294 060212 060228 060257 060348 060379 060239 060034 060012 060360 060035 060243 060262 060266 060202 060284 060299 060349 060231 060310 060710 060331 060350 060337 060729 060355 060421 060631 060375 060302 060352 060400 060373 065070 060357 California (continued) Los Angeles County Los Angeles, City of Milpitas, City of Mission Viejo, City of Monterey County Moreno Valley, City of Morgan Hill, City of Mountain View, City of Murrieta, City of Napa, City of Newport Beach, City of Novato, City of Oceanside, City of Orange County Orange, City of Palm Springs, City of Palo Alto, City of Petaluma, City of Placer County Pleasant Hill, City of Pleasanton, City of Redding, City of Richmond, City of Roseville, City of Sacramento County Sacramento, City of Salinas, City of San Diego County San Joaquin County San Jose, City of San Juan Capistrano, City of San Luis Obispo, City of San Ramon, City of Santa Barbara County Santa Clara, City of Santa Clara County Santa Clarita, City of Santa Cruz, City of Simi Valley, City of Solano County Sonoma County Stockton, City of Sunnyvale, City of Tehema, City of Vacaville, City of Walnut Creek, City of Watsonville, City of 10/1/91 10/1/91 10/1/91 10/1/05 10/1/91 10/1/91 05/1/03 05/1/02 10/1/97 04/1/01 10/1/93 10/1/95 10/1/91 10/1/91 10/1/92 10/1/92 10/1/91 10/1/91 10/1/91 05/1/03 10/1/92 10/1/96 10/1/95 10/1/92 10/1/92 10/1/91 10/1/91 10/1/94 10/1/93 10/1/91 10/1/91 10/1/91 10/1/91 10/1/91 05/1/02 05/1/04 10/1/01 10/1/92 10/1/93 10/1/91 10/1/91 10/1/96 10/1/98 10/1/03 10/1/95 10/1/91 10/1/92 10/1/96 10/1/05 10/1/01 10/1/05 10/1/02 10/1/96 05/1/03 05/1/02 10/1/97 04/1/01 05/1/03 10/1/00 10/1/96 05/1/02 10/1/92 10/1/00 10/1/01 10/1/96 10/1/01 05/1/03 10/1/97 10/1/01 10/1/95 10/1/02 10/1/02 10/1/96 10/1/02 10/1/95 05/1/03 10/1/01 10/1/02 10/1/96 04/1/01 10/1/01 05/1/02 05/1/04 10/1/01 05/1/02 10/1/93 10/1/93 10/1/92 10/1/97 05/1/03 10/1/03 10/1/00 04/1/01 10/1/02 8 7 5 9 6 8 7 8 9 7 8 7 8 7 9 8 7 6 6 8 8 6 9 5 5 6 7 10 6 7 8 8 7 7 8 8 9 7 9 8 10 8 7 7 8 7 7 10 15 25 5 20 10 15 10 5 15 10 15 10 15 5 10 15 20 20 10 10 20 5 25 25 20 15 0 20 15 10 10 15 15 10 10 5 15 5 10 0 10 15 15 10 15 15 5 5 10 5 10 5 5 5 5 5 5 5 5 5 5 5 5 10 10 5 5 10 5 10 10 10 5 0 10 5 5 5 5 5 5 5 5 5 5 5 0 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 C C C C R C C C C C C C C C C C C R 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 4 October 1, 2005 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) 060238 060427 Yorba Linda, City of Yuba County 10/1/93 10/1/03 10/1/04 10/1/03 10 8 0 10 0 5 R C Colorado 080001 080009 080010 080011 080273 085072 080002 080023 080024 080130 080068 080013 080060 080043 080046 080049 080099 080059 085074 080102 080061 080067 080245 080090 080062 080078 080080 080087 085075 080101 080017 080027 085076 080063 080064 080092 080065 080310 080287 080153 080018 080201 080159 Adams County Alamosa County Alamosa, City of Arapahoe County Archuleta County Arvada, City of Aurora, City of Boulder County Boulder, City of Brush, City of Canon City, City of Cherry Hills Village, City of Colorado Springs, City of Delta, City of Denver, City and County of Douglas County Durango, City of El Paso County Englewood, City of Fort Collins, City of Fountain, City of Fremont County Frisco, Town of Golden, City of Green Mountain Falls, Town of Gunnison County Gunnison, City of Jefferson County Lakewood, City of Larimer County Littleton, City of Longmont, City of Louisville, City of Manitou Springs, City of Monument, Town of Morrison, Town of Palmer Lake, Town of Parker, Town of Pitkin County Rio Grande County Sheridan, City of Silverthorne, Town of Steamboat Springs, Town of 10/1/93 10/1/96 10/1/91 10/1/91 10/1/92 10/1/91 10/1/92 10/1/91 10/1/92 10/1/94 10/1/92 10/1/96 10/1/92 10/1/96 10/1/96 10/1/96 10/1/92 10/1/92 10/1/95 10/1/91 10/1/92 10/1/93 10/1/93 10/1/96 10/1/03 10/1/94 10/1/95 10/1/05 10/1/91 10/1/92 10/1/92 10/1/92 10/1/91 10/1/92 10/1/03 10/1/96 10/1/03 10/1/92 10/1/92 10/1/92 10/1/93 10/1/96 10/1/93 10/1/03 10/1/96 10/1/91 10/1/92 10/1/98 10/1/96 10/1/97 10/1/96 10/1/97 10/1/94 10/1/92 10/1/01 10/1/92 10/1/00 10/1/96 10/1/96 10/1/92 10/1/92 10/1/96 10/1/01 10/1/92 10/1/93 10/1/98 10/1/96 10/1/03 10/1/94 10/1/95 10/1/05 10/1/05 10/1/97 10/1/97 10/1/97 10/1/05 10/1/92 10/1/03 10/1/96 10/1/03 10/1/97 10/1/97 10/1/97 10/1/03 10/1/96 10/1/93 10 9 9 8 10 7 8 8 8 9 9 8 9 7 9 9 9 9 8 4 9 9 8 9 9 9 9 9 6 10 7 8 8 9 9 9 9 7 8 10 10 9 9 0 5 5 10 0 15 10 10 10 5 5 10 5 15 5 5 5 5 10 30 5 5 10 5 5 5 5 5 20 0 15 10 10 5 5 5 5 15 10 0 0 5 5 0 5 5 5 0 5 5 5 5 5 5 5 5 5 5 5 5 5 5 10 5 5 5 5 5 5 5 5 10 0 5 5 5 5 5 5 5 5 5 0 0 5 5 R 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 R C C C C C C C C C R 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 5 October 1, 2005 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 080168 080007 080054 080008 085079 090074 090076 090096 090078 090011 090012 090015 090193 090106 095082 090070 090019 100056 105084 100041 100026 100025 105086 100048 120001 120290 125087 120180 120075 120193 120676 120419 120636 120004 120637 125089 120195 120196 125091 120155 Colorado (continued) Telluride, Town of Thornton, City of Vail, Town of Westminster, City of Wheat Ridge, City of Connecticut Cheshire, Town of East Haven, Town of East Lyme, Town of Hamden, Town of Newtown, Town of Norwalk, City of Stamford, City of Stonington, Borough of Stonington, Town of West Hartford,Town of Westbrook, Town of Westport, Town of Delaware Dewey Beach, Town of Fenwick Island, Town of Lewes, City of New Castle, City of Newark,City of Rehoboth Beach, City of Seaford, City of Florida Alachua County Altamonte Springs, City of Anna Maria, City of Apopka, City of Atlantic Beach, City of Atlantis, City of Aventura, City of Baker County Bal Harbour, Village of Bay County Bay Harbor Islands, Town of Belleair Beach, City of Boca Raton, City of Boynton Beach, City of Bradenton Beach, City of Bradenton, City of 10/1/94 10/1/94 10/1/91 10/1/91 10/1/91 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 10/1/95 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 10/1/91 10/1/91 10/1/91 10/1/05 10/1/99 10/1/01 10/1/92 10/1/96 10/1/03 10/1/04 10/1/91 10/1/95 10/1/91 10/1/98 10/1/02 10/1/04 05/1/04 10/1/91 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 10/1/00 10/1/96 10/1/05 05/1/03 10/1/05 10/1/94 05/1/05 10/1/01 10/1/97 10/1/05 10/1/99 10/1/01 10/1/94 10/1/93 10/1/05 10/1/00 8 8 7 8 7 10 8 9 8 9 10 7 9 9 9 9 8 8 8 9 8 7 8 9 8 8 7 8 8 8 7 8 8 7 7 7 8 8 7 7 10 10 15 10 15 0 10 5 10 5 0 15 5 5 5 5 10 10 10 5 10 15 10 5 10 10 15 10 10 10 15 10 10 15 15 15 10 10 15 15 5 5 5 5 5 0 5 5 5 5 0 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 C C C C C R 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 6 October 1, 2005 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 125092 125093 120005 125094 125095 120090 120061 120063 120064 125096 120198 125097 120020 120031 120067 120070 120032 120639 120033 120034 120035 125100 125099 125101 125102 125158 125103 120308 120080 120146 120120 120172 120087 125105 125106 120673 120286 120174 120088 125107 120200 120642 120275 120098 125109 125108 125110 Florida (continued) Brevard County Broward County Callaway, City of Cape Canaveral, City of Cape Coral, City of Carrabelle, City of Charlotte County Citrus County Clay County Clearwater, City of Cloud Lake, Town of Cocoa Beach, City of Cocoa, City of Coconut Creek, City of Collier County Columbia County Cooper City, City of Coral Gables, City of Coral Springs, City of Dania, City of Davie, Town of Daytona Beach Shores, City of Daytona Beach, City of Deerfield Beach, City of Delray Beach, City of Destin, City of Dunedin, City of Edgewater, City of Escambia 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 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 10/1/91 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 10/1/92 10/1/94 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 10/1/93 10/1/96 10/1/93 10/1/99 05/1/05 10/1/93 05/1/04 10/1/01 10/1/05 10/1/00 10/1/96 10/1/04 10/1/04 10/1/01 10/1/95 10/1/05 10/1/96 10/1/98 10/1/94 10/1/93 10/1/05 10/1/94 05/1/03 10/1/93 10/1/94 05/1/04 04/1/98 10/1/97 10/1/05 10/1/93 10/1/04 10/1/02 10/1/00 10/1/01 10/1/98 10/1/99 10/1/01 10/1/02 10/1/02 10/1/97 10/1/96 10/1/02 10/1/93 10/1/93 10/1/99 10/1/03 05/1/05 8 8 9 8 7 9 5 7 7 7 8 10 10 7 7 8 8 8 8 9 7 8 7 8 9 7 8 8 7 9 9 7 7 8 8 7 8 7 8 8 8 10 9 9 8 7 7 10 10 5 10 15 5 25 15 15 15 10 0 0 15 15 10 10 10 10 5 15 10 15 10 5 15 10 10 15 5 5 15 15 10 10 15 10 15 10 10 10 0 5 5 10 15 15 5 5 5 5 5 5 10 5 5 5 5 0 0 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 0 5 5 5 5 5 C C C C C C C C C 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 C R 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, 2005 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 120103 120107 120110 120643 125111 120111 120040 120112 125112 125113 125114 120207 120119 120121 125117 125118 120125 120078 120077 120331 120208 120162 125119 120245 120648 125121 120168 120190 120211 120421 120212 120213 120267 120214 125122 125123 120044 120169 125124 120145 125125 125126 120292 120009 125127 120149 120215 Florida (continued) Hardee County Hendry County Hernando County Hialeah, City of Highland Beach, Town of Highlands County Hillsboro Beach, Town of Hillsborough County Holly Hill, City of Hollywood, City of Holmes Beach, City of Hypoluxo, Town of Indian River County Indian River Shores, Town of Indian Rocks Beach, City of Indian Shores, Town of Jackson County Jacksonville Beach, City of Jacksonville, City of Jefferson County Juno Beach, Town of Jupiter Island, Town of Jupiter, Town of Kenneth City, Town of Key Biscayne, City of Key Colony Beach, City of Key West, City of Kissimmee, City of Lake Clarke Shores, Town of Lake County Lake Park, Town of Lake Worth, City of Lakeland, City of Lantana, 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 of Madeira Beach, City of Madison County Manalapan, Town of 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 10/1/94 10/1/92 10/1/94 10/1/92 10/1/93 10/1/02 10/1/92 10/1/91 10/1/96 10/1/93 10/1/95 10/1/94 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 05/1/04 10/1/00 10/1/05 10/1/97 10/1/93 10/1/04 10/1/94 10/1/02 10/1/94 10/1/93 05/1/97 10/1/96 01/1/98 10/1/95 10/1/93 10/1/05 10/1/02 10/1/02 10/1/02 10/1/96 10/1/00 10/1/00 10/1/00 10/1/92 04/1/00 10/1/95 10/1/99 10/1/01 10/1/94 10/1/97 10/1/92 10/1/96 10/1/04 10/1/94 10/1/97 05/1/05 10/1/92 10/1/01 10/1/01 10/1/99 10/1/94 10/1/05 10/1/96 10/1/92 10/1/93 10/1/00 10/1/92 10 8 7 8 9 8 9 6 9 8 8 8 7 8 8 6 9 8 7 9 5 8 7 9 6 8 10 8 9 8 9 9 8 9 7 8 9 8 6 8 8 6 9 9 8 8 9 0 10 15 10 5 10 5 20 5 10 10 10 15 10 10 20 5 10 15 5 25 10 15 5 20 10 0 10 5 10 5 5 10 5 15 10 5 10 20 10 10 20 5 5 10 10 5 0 5 5 5 5 5 5 10 5 5 5 5 5 5 5 10 5 5 5 5 10 5 5 5 10 5 0 5 5 5 5 5 5 5 5 5 5 5 10 5 5 10 5 5 5 5 5 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 R 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, 2005 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 120153 120216 120426 120047 120160 120161 120025 120650 120651 120652 120635 120048 125129 125130 120079 120232 125132 120338 120049 120656 120655 120217 120279 125133 120050 120330 125134 120173 120177 120250 120179 120186 125136 120189 120404 120192 120221 125137 120220 120684 120223 120159 120012 120011 120230 120053 Florida (continued) Manatee County Mangonia Park, Town of Marco Island, City of Margate, City of Marion County Martin County Melbourne, City of Miami, City of Miami Beach, City of Miami Shores Village, Village of Miami-Dade County Miramar, City of Monroe County Naples, City of Neptune Beach, City of New Port Richey, City of New Smyrna Beach, City of Niceville, City of North Lauderdale, City of North Miami Beach, City of North Miami, City of North Palm Beach, Village of North Port, City of North Redington Beach, Town of Oakland Park, City of Ocala, City of Ocean Ridge, Town of Okaloosa County Okeechobee County Oldsmar, City of Orange County Orlando, City of Ormond Beach, City of Osceola County Palm Bay, City of Palm Beach County Palm Beach Gardens, City of Palm Beach Shores, Town of Palm Beach, Town of Palm Coast, City of Palm Springs, Village of Palmetto, City of Panama City, City of Parker, City of Pasco County Pembroke Pines, City of 10/1/91 10/1/94 10/1/00 10/1/92 10/1/94 10/1/92 10/1/93 10/1/94 10/1/96 10/1/00 10/1/94 10/1/93 10/1/91 10/1/92 10/1/94 10/1/93 10/1/91 10/1/93 10/1/93 10/1/93 10/1/94 10/1/94 10/1/92 10/1/92 10/1/94 10/1/91 10/1/92 10/1/95 10/1/96 10/1/92 10/1/91 10/1/93 10/1/92 10/1/94 10/1/93 10/1/91 10/1/03 10/1/94 10/1/92 05/1/04 10/1/92 10/1/91 10/1/93 10/1/94 10/1/92 10/1/94 10/1/05 10/1/94 10/1/05 10/1/95 10/1/94 10/1/00 10/1/03 10/1/99 10/1/01 10/1/00 10/1/03 10/1/94 05/1/97 10/1/02 10/1/04 10/1/95 10/1/00 04/1/98 10/1/93 10/1/98 10/1/01 10/1/99 10/1/93 10/1/98 10/1/05 10/1/01 01/1/98 10/1/05 10/1/00 10/1/01 05/1/02 10/1/94 10/1/94 10/1/03 10/1/98 05/1/02 10/1/03 10/1/94 10/1/02 05/1/04 10/1/97 10/1/93 10/1/02 10/1/04 10/1/02 10/1/98 6 9 6 8 9 7 8 8 7 8 5 8 10 6 8 8 7 8 9 8 5 8 8 8 8 8 8 6 8 7 6 8 8 7 8 7 9 9 7 7 8 8 7 8 8 7 20 5 20 10 5 15 10 10 15 10 25 10 0 20 10 10 15 10 5 10 25 10 10 10 10 10 10 20 10 15 20 10 10 15 10 15 5 5 15 15 10 10 15 10 10 15 10 5 10 5 5 5 5 5 5 5 10 5 0 10 5 5 5 5 5 5 10 5 5 5 5 5 5 10 5 5 10 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 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 9 October 1, 2005 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY DATE CURRENT EFFECTIVE DATE CURRENT CLASS % DISCOUNT FOR SFHA1 % DISCOUNT FOR NON-SFHA2 STATUS3 Florida (continued) 120082 Pensacola, City of 10/1/02 10/1/02 125138 Pensacola Beach-Santa Rosa 10/1/91 05/1/03 Island Authority 125139 Pinellas County 10/1/93 10/1/94 120251 Pinellas Park, City of 10/1/91 10/1/96 120054 Plantation, City of 10/1/92 10/1/02 120261 Polk County 10/1/92 10/1/03 120055 Pompano Beach, City of 10/1/93 10/1/94 120312 Ponce Inlet, Town of 05/1/04 05/1/04 120313 Port Orange, City of 10/1/92 05/1/03 120234 Port Richey, City of 10/1/92 10/1/94 120099 Port St. Joe, City of 10/1/94 10/1/94 120287 Port St. Lucie, City of 10/1/91 10/1/96 120062 Punta Gorda, City of 10/1/92 10/1/02 125140 Redington Beach, Town of 10/1/93 10/1/96 125141 Redington Shores, Town of 10/1/92 10/1/93 120027 Rockledge, City of 10/1/91 10/1/96 125143 Safety Harbor, City of 10/1/92 10/1/96 120402 Sanibel, City of 10/1/91 10/1/96 120274 Santa Rosa County 10/1/93 04/1/00 125144 Sarasota County 10/1/92 10/1/02 125150 Sarasota, City of 10/1/91 10/1/96 120028 Satellite Beach, City of 10/1/92 10/1/92 120123 Sebastian, City of 10/1/92 10/1/01 120289 Seminole County 10/1/91 10/1/00 120164 Sewall’s Point, Town of 10/1/96 10/1/97 120579 Shalimar, Town of 10/1/95 10/1/00 120314 South Daytona, City of 10/1/92 10/1/02 120658 South Miami, City of 10/1/93 10/1/95 120227 South Palm Beach, Town of 10/1/93 10/1/93 125151 South Pasadena, City of 10/1/92 10/1/98 125146 St. Augustine Beach, City of 10/1/93 10/1/96 125145 St. Augustine, City of 10/1/92 10/1/97 120191 St. Cloud, City of 10/1/93 10/1/94 125147 St. Johns County 10/1/95 10/1/00 120285 St. Lucie County 10/1/94 10/1/96 120316 St. Marks, Town of 10/1/93 10/1/93 125149 St. Pete Beach, City of 10/1/91 10/1/92 125148 St. Petersburg, City of 10/1/92 05/1/02 120296 Sumter County 10/1/95 05/1/97 120328 Sunrise, City of 10/1/92 10/1/02 120659 Surfside, Town of 10/1/93 10/1/94 120300 Suwannee County 10/1/96 10/1/00 120144 Tallahassee, City of 10/1/94 10/1/99 120058 Tamarac, City of 10/1/92 10/1/01 120114 Tampa, City of 10/1/91 10/1/00 120259 Tarpon Springs, City of 10/1/92 10/1/93 8 10 5 C 8 10 5 C 8 10 5 C 7 15 5 C 7 15 5 C 7 15 5 C 8 10 5 C 7 15 5 C 7 15 5 C 8 10 5 C 9 5 5 C 8 10 5 C 6 20 10 C 8 10 5 C 8 10 5 C 8 10 5 C 8 10 5 C 5 25 10 C 7 15 5 C 6 20 10 C 7 15 5 C 9 5 5 C 9 5 5 C 7 15 5 C 8 10 5 C 8 10 5 C 7 15 5 C 8 10 5 C 9 5 5 C 8 10 5 C 8 10 5 C 8 10 5 C 8 10 5 C 7 15 5 C 8 10 5 C 9 5 5 C 8 10 5 C 7 15 5 C 8 10 5 C 7 15 5 C 8 10 5 C 8 10 5 C 7 15 5 C 8 10 5 C 7 15 5 C 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 10 October 1, 2005 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 120302 120115 120228 125152 125153 125154 120124 125155 120315 125157 120229 120295 120147 130075 130093 130209 130030 130424 130052 130086 130059 135158 130144 130504 135159 130065 130074 130098 130306 130432 135160 130092 130322 130201 130147 130078 130261 130088 135163 135164 130025 130196 150003 Florida (continued) Taylor County Temple Terrace, City of Tequesta, Village of Titusville, City of Treasure Island, City of Venice, City of Vero Beach, City of Volusia County Wakulla County Wellington, Village of West Palm Beach, City of Winter Springs, City of Yankeetown, Town of Georgia Albany, City of Brunswick, City of Cartersville, City of Chatham County Cherokee County Cobb County College Park, City of Columbia County Columbus, City of Covington, City of Crisp County Decatur, City of Dekalb County Dougherty County Duluth, City of Douglas County Fayette County Fulton County Glynn County Gwinnett County Jekyll Island, State Park Auth Paulding County Peachtree City, City of Pooler, Town of Roswell, City of Savannah, City of Tybee Island, City of Waynesboro, City of Worth County Hawaii Maui County 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 10/1/94 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 10/1/97 10/1/95 05/1/04 04/1/00 10/1/92 10/1/94 10/1/93 10/1/91 10/1/93 10/1/93 10/1/91 10/1/92 10/1/93 10/1/91 05/1/03 10/1/95 10/1/96 10/1/03 10/1/00 10/1/97 10/1/99 10/1/05 10/1/98 10/1/03 10/1/93 10/1/03 04/1/00 10/1/98 10/1/97 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 10/1/94 10/1/03 10/1/97 10/1/00 05/1/04 04/1/00 10/1/96 05/1/04 10/1/04 10/1/96 10/1/03 10/1/95 10/1/96 10/1/98 10/1/04 10/1/97 05/1/03 10/1/00 9 8 7 8 7 6 8 7 9 9 7 8 7 9 9 9 7 8 8 6 8 8 9 9 7 8 7 9 8 7 9 8 8 7 10 7 8 7 8 8 10 9 8 5 10 15 10 15 20 10 15 5 5 15 10 15 5 5 5 15 10 10 20 10 10 5 5 15 10 15 5 10 15 5 10 10 15 0 15 10 15 10 10 0 5 10 5 5 5 5 5 10 5 5 5 5 5 5 5 5 5 5 5 5 5 10 5 5 5 5 5 5 5 5 5 5 5 5 5 5 0 5 5 5 5 5 0 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 C C C C C C C C C C C R C C C C 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 11 October 1, 2005 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 160001 160009 165167 160002 160206 160003 160212 160004 160022 160131 160023 160076 160090 160058 160101 160012 160114 160024 160120 160220 170001 170198 170059 170072 170298 170078 170361 170182 170081 170204 170091 170206 170107 170400 170116 170378 170211 170129 170213 170822 170132 170214 170172 175170 170533 Idaho Ada County Bannock County Blaine County Boise, City of Bonner County Eagle, City of Elmore County Garden City, City of Hailey, City of Kellogg, City of Ketchum, City of 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 of Bartlett, Village of Calumet City, City of Carbondale, City of Country Club Hills, City of Deerfield, Village of DeKalb, City of Des Plaines, City of Downers Grove, Village of Flossmoor, Village of Glendale Heights, Village of Hoffman Estates, 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 of Orland Hills, Village of Palatine, Village of Peoria County 10/1/94 10/1/94 10/1/94 10/1/91 10/1/05 04/1/00 10/1/94 10/1/98 10/1/92 10/1/92 10/1/92 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 10/1/93 10/1/95 05/1/05 10/1/93 10/1/91 10/1/93 10/1/94 10/1/92 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 10/1/99 10/1/99 10/1/99 04/1/01 10/1/05 04/1/00 04/1/01 05/1/03 10/1/97 10/1/97 10/1/02 10/1/00 10/1/99 10/1/99 10/1/01 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 10/1/02 10/1/94 10/1/05 05/1/05 10/1/03 10/1/02 04/1/00 05/1/04 10/1/02 05/1/05 10/1/01 10/1/03 10/1/01 10/1/02 10/1/97 05/1/05 05/1/04 10/1/97 10/1/02 05/1/04 10/1/97 7 8 8 6 9 6 8 8 8 8 8 6 8 8 9 8 9 8 9 7 8 7 7 6 9 8 7 8 7 7 8 7 7 9 7 5 7 7 10 9 7 7 5 7 8 15 10 10 20 5 20 10 10 10 10 10 20 10 10 5 10 5 10 5 15 10 15 15 20 5 10 15 10 15 15 10 15 15 5 15 25 15 15 0 5 15 15 25 15 10 5 5 5 10 5 10 5 5 5 5 5 10 5 5 5 5 5 5 5 5 5 5 5 10 5 5 5 5 5 5 5 5 5 5 5 10 5 5 0 5 5 5 10 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 C C C C C C C C C C C C C C C R 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, 2005 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 170919 170912 170163 170330 170169 170173 170222 170224 180302 180006 180007 180001 180257 180003 180080 180419 180093 180121 180382 180082 180465 180122 180256 180263 190169 190242 190227 200250 200096 200090 200215 200173 200298 200177 205187 210017 210010 210219 Illinois (continued) Prospect Heights, City of Sangamon County South Holland, Village of St. Charles, City of Tinley Park, City of Wheeling, Village of Willowbrook, Village of Wood Dale, City of Indiana Allen County Bartholomew County Columbus, City of Decatur, City of Evansville, City of Fort Wayne, City of Hamilton County Hancock County Kokomo, City of Kosciusko, County of Milford 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 of Hayes, City of Lawrence, City of Lindsborg, City of Olathe, City of Riley County Shawnee, City of Topeka, City of Kentucky Ashland, City of Bell County Bowling Green, City of 10/1/94 04/1/00 10/1/92 10/1/94 10/1/05 10/1/91 10/1/91 10/1/99 10/1/02 10/1/93 10/1/98 10/1/93 10/1/99 10/1/91 10/1/91 10/1/03 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 10/1/92 10/1/04 10/1/92 10/1/93 10/1/92 10/1/91 10/1/92 10/1/92 10/1/94 10/1/91 05/1/04 04/1/00 10/1/02 10/1/04 10/1/05 10/1/93 10/1/02 10/1/04 10/1/02 10/1/93 10/1/98 10/1/93 10/1/04 05/1/04 05/1/04 10/1/03 10/1/96 10/1/97 10/1/97 05/1/04 10/1/97 10/1/97 04/1/99 10/1/05 10/1/96 10/1/00 10/1/02 10/1/96 10/1/03 10/1/04 10/1/92 10/1/93 10/1/93 10/1/01 10/1/01 10/1/97 10/1/97 10/1/92 8 8 5 8 7 8 6 5 9 9 9 9 8 7 7 9 8 9 9 7 9 9 8 10 10 8 7 10 10 8 9 9 10 8 10 10 10 8 10 10 25 10 15 10 20 25 5 5 5 5 10 15 15 5 10 5 5 15 5 5 10 0 0 10 15 0 0 10 5 5 0 10 0 0 0 10 5 5 10 5 5 5 10 10 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 0 0 5 5 0 0 5 5 5 0 5 0 0 0 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 R C C R R C C C R C R R 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, 2005 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 210227 210062 210075 210280 210051 210055 210120 210067 210122 210126 210063 210127 210298 210193 210072 210366 210203 210312 210097 220013 225193 220033 220361 220037 220200 220116 220027 220058 220117 220015 225198 220220 225199 225201 225202 220040 220113 220248 220202 220136 220196 225203 220135 220119 Kentucky (continued) Corbin, City of Daviess County Frankfort, City of Franklin County Grayson, City of Hopkinsville, City of Jefferson County Lexington-Fayette Urban County Louisville, City of Nicholasville, City of Owensboro, City of Paintsville, 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 of East Baton Rouge Parish French Settlement, Village of Gonzales, City of Gretna, City of Houma, 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 of New Orleans/Orleans Parish Ouachita Parish Port Vincent, Village of 10/1/93 05/1/03 10/1/92 10/1/93 10/1/92 10/1/91 10/1/91 10/1/91 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 10/1/92 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 10/1/94 05/1/05 10/1/92 10/1/97 10/1/92 10/1/96 10/1/00 10/1/97 10/1/00 10/1/97 05/1/05 10/1/92 10/1/95 10/1/92 10/1/92 10/1/95 10/1/94 10/1/92 10/1/00 10/1/04 10/1/91 05/1/05 10/1/95 10/1/91 10/1/96 10/1/91 10/1/95 10/1/94 10/1/92 10/1/92 10/1/00 10/1/04 05/1/03 10/1/93 05/1/04 10/1/04 10/1/92 10/1/92 10/1/02 10/1/03 10/1/91 10/1/01 10/1/02 10/1/97 10 8 9 10 9 10 6 8 6 8 8 9 9 9 9 9 9 8 10 8 9 8 9 9 10 9 9 7 9 9 8 8 7 8 10 9 9 9 8 9 9 8 9 10 0 10 5 0 5 0 20 10 20 10 10 5 5 5 5 5 5 10 0 10 5 10 5 5 0 5 5 15 5 5 10 10 15 10 0 5 5 5 10 5 5 10 5 0 0 5 5 0 5 0 10 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 0 5 5 5 5 5 5 5 5 0 R C C R C R C C 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 R C 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 14 October 1, 2005 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 220008 220347 220036 220204 220016 220160 220261 220164 225205 220206 225206 220121 220239 220061 230191 230208 230001 230043 230057 230018 230209 230069 230004 230178 230632 230153 230112 230120 230051 230155 230128 230157 230293 230158 230159 240042 240011 240130 240040 240012 245207 245208 Louisiana (continued) 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 Terrebonne Parish Walker, Town of West Baton Rouge Parish Zachary, City of Maine Alfred, Town of Arrowsic, Town of Auburn, City of Cape Elizabeth, Town of Farmington, Town of Fort Fairfield, Town of Georgetown, Town of Hallowell, 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 Harford County North Beach, City of Ocean City, Town of Prince George’s County 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 10/1/92 10/1/92 10/1/93 10/1/92 10/1/91 10/1/93 10/1/92 10/1/94 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 10/1/91 01/1/92 10/1/92 10/1/91 10/1/91 10/1/92 10/1/92 10/1/92 10/1/92 10/1/91 10/1/97 10/1/94 10/1/92 10/1/96 10/1/04 10/1/92 10/1/96 10/1/92 10/1/93 10/1/93 10/1/92 10/1/94 10/1/94 10/1/02 10/1/01 10/1/96 05/1/97 10/1/97 05/1/03 10/1/93 10/1/05 10/1/93 10/1/01 10/1/99 10/1/03 05/1/05 10/1/02 10/1/93 10/1/01 10/1/03 10/1/96 10/1/96 10/1/00 10/1/01 10/1/02 10/1/01 9 9 8 9 9 9 8 9 9 9 8 9 8 9 8 9 9 9 9 8 9 9 8 9 8 9 8 9 8 8 8 8 9 8 8 8 10 9 7 8 7 5 5 5 10 5 5 5 10 5 5 5 10 5 10 5 10 5 5 5 5 10 5 5 10 5 10 5 10 5 10 10 10 10 5 10 10 10 0 5 15 10 15 25 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 0 5 5 5 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 C C C C C C C R 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 15 October 1, 2005 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 250286 250233 250004 250082 250008 250085 250273 250167 250060 250010 250278 255219 250282 250218 250349 260142 260473 260221 260172 260657 260226 260118 260150 260140 260175 260185 260577 260128 260243 260728 260503 260285 275228 275236 275240 270307 275246 270729 285251 285252 Massachusetts Boston, City of Braintree, Town of Chatham, Town of Gloucester, City of Harwich, Town of Haverhill, City of Marshfield, Town of 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 Sterling Heights, City of Sumpter, Township of Taylor, City of Taymouth, Township 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 10/1/92 10/1/92 10/1/92 10/1/92 10/1/95 10/1/92 10/1/91 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 10/1/95 10/1/95 05/1/03 05/1/03 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 10/1/97 10/1/00 10/1/93 10/1/97 10/1/95 10/1/92 05/1/97 05/1/03 10/1/91 10/1/93 10/1/91 05/1/97 10/1/95 10/1/93 10/1/95 05/1/02 05/1/03 10/1/92 10/1/95 05/1/03 10/1/02 10/1/99 05/1/02 10/1/02 10/1/99 05/1/03 05/1/02 05/1/05 10/1/04 05/1/03 05/1/03 05/1/04 10/1/01 10/1/98 10/1/00 04/1/00 10/1/96 10/1/96 10/1/00 10/1/03 10 8 8 10 9 9 6 8 9 9 9 7 7 9 9 8 9 9 10 9 8 8 8 6 7 9 8 7 10 9 9 8 5 10 8 8 10 10 7 7 0 10 10 0 5 5 20 10 5 5 5 15 15 5 5 10 5 5 0 5 10 10 10 20 15 5 10 15 0 5 5 10 25 0 10 10 0 0 15 15 0 5 5 0 5 5 10 5 5 5 5 5 5 5 5 5 5 5 0 5 5 5 5 10 5 5 5 5 0 5 5 5 10 0 5 5 0 0 5 5 R 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 C C R C C C C R C C R 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 16 October 1, 2005 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 280016 280332 280179 285253 285255 280053 280070 280072 285257 280229 280096 285259 285261 280110 280100 280176 285262 290188 290351 290172 290362 290315 300009 300028 300008 300108 300023 300010 300038 300014 300048 300049 300029 300142 310069 315273 320001 320003 Mississippi (continued) Cleveland, City of Gautier, City of Greenville, City of Gulfport, City of Harrison County Hattiesburg, City of Hinds County Jackson, City of Long Beach, City of Madison, City of Meridian, City of Ocean Springs, City of Pass Christian, City of Ridgeland, City of Tupelo, City of Vicksburg, City of Waveland, City of Missouri Arnold, City of Ferguson, City of Independence,City of Kirkwood, 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 County Missoula, City of Three Forks, Town of Yellowstone County Nebraska Fremont, City of Lincoln, City of Nevada Carson City, City of Clark County 10/1/93 10/1/94 10/1/93 10/1/96 10/1/03 10/1/94 10/1/93 10/1/91 10/1/00 10/1/96 10/1/92 10/1/92 10/1/93 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 10/1/94 10/1/92 04/1/99 04/1/00 05/1/03 10/1/01 10/1/03 05/1/02 10/1/93 10/1/96 10/1/00 10/1/01 10/1/95 10/1/02 10/1/03 10/1/04 05/1/03 04/1/01 10/1/02 05/1/04 04/1/01 10/1/01 10/1/96 05/1/05 10/1/92 05/1/03 04/1/01 10/1/93 10/1/93 04/1/01 10/1/02 10/1/94 05/1/02 05/1/02 10/1/98 05/1/03 10/1/91 05/1/03 04/1/99 10/1/03 8 8 8 8 8 7 9 8 8 8 8 8 6 8 8 7 6 10 10 7 10 7 8 7 8 8 9 7 8 9 8 8 8 8 9 7 8 6 10 10 10 10 10 15 5 10 10 10 10 10 20 10 10 15 20 0 0 15 0 15 10 15 10 10 5 15 10 5 10 10 10 10 5 15 10 20 5 5 5 5 5 5 5 5 5 5 5 5 10 5 5 5 10 0 0 5 0 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 10 C C C C 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 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, 2005 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 Nevada (continued) 320008 320005 325276 320035 320007 320033 Douglas County Henderson, City of Las Vegas, City of Mesquite, City of North Las Vegas, City of Storey County 10/1/93 10/1/91 10/1/91 10/1/02 10/1/91 10/1/94 10/1/04 10/1/03 10/1/03 10/1/02 10/1/03 10/1/99 6 6 6 8 6 8 20 20 20 10 20 10 10 10 10 5 10 5 C C C C C C New Hampshire 330023 330024 330101 330141 330028 Keene, City of Marlborough, Town of Peterborough, Town of Rye, Town of Winchester, Town of 05/1/02 10/1/94 05/1/04 05/1/05 05/1/02 05/1/03 10/1/94 05/1/04 05/1/05 05/1/02 8 9 8 9 9 10 5 10 5 5 5 5 5 5 5 C C C C C New Jersey 345278 345279 345280 340396 Atlantic City, City of Avalon, Borough of Barnegat Light, Borough of Barnegat, Township of 10/1/92 10/1/96 10/1/92 10/1/92 10/1/00 10/1/00 10/1/01 10/1/97 9 7 8 10 5 15 10 0 5 5 5 0 C C C R 345281 Bay Head, Borough of 10/1/93 10/1/98 345282 Beach Haven, Borough of 10/1/91 05/1/04 340427 Bedminister, Township of 10/1/96 10/1/00 340459 Berkeley Heights, Township 10/1/94 04/1/99 340369 Berkeley, Township of 10/1/92 10/1/94 340178 Bloomfield, Town of 10/1/92 10/1/97 340289 Bradley Beach, Borough of 10/1/95 10/1/00 345286 Brigantine, City of 10/1/92 10/1/01 345287 Burlington, City of 04/1/98 10/1/03 345288 Cape May City, City of 10/1/94 10/1/99 345289 Cape May Point, Borough of 10/1/93 10/1/94 345293 Dover, Township of 10/1/92 10/1/92 340031 Englewood, City of 10/1/91 10/1/01 340570 Hackensack Meadowlands 10/1/92 10/1/02 Development Commission 340246 Hamilton, Township of 10/1/92 10/1/02 345296 Harvey Cedars, Borough of 10/1/91 10/1/99 340376 Lacey, Township of 10/1/92 10/1/93 340379 Lavallette, Borough of 05/1/04 05/1/05 345300 Lincoln Park, Borough of 10/1/91 10/1/97 340467 Linden, City of 10/1/91 10/1/02 340046 Little Ferry, Borough of 10/1/93 10/1/94 340047 Lodi, Borough of 10/1/92 10/1/93 345301 Long Beach, Township of 10/1/92 10/1/99 345302 Longport, Borough of 10/1/95 10/1/00 345303 Manasquan, Borough of 10/1/92 10/1/98 340383 Mantoloking, Borough of 10/1/92 10/1/01 8 10 5 C 7 15 5 C 7 15 5 C 10 0 0 R 10 0 0 R 10 0 0 R 7 15 5 C 7 15 5 C 8 10 5 C 8 10 5 C 7 15 5 C 9 5 5 C 10 0 0 R 8 10 5 C 8 10 5 C 8 10 5 C 10 0 0 R 8 10 5 C 8 10 5 C 8 10 5 C 10 0 0 R 10 0 0 R 7 15 5 C 8 10 5 C 8 10 5 C 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 18 October 1, 2005 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 345304 340188 340517 345307 345308 345309 345310 340518 340355 340512 345311 345312 340388 345313 345528 345314 340067 340359 340472 340474 345317 345318 345319 345320 340329 340393 345323 345324 340395 340331 345326 345327 345328 345330 345331 350045 350002 350001 350010 350012 350067 350029 New Jersey (continued) Margate City, City of Montclair, Township of Mullica, Township of North Plainfield, City of North Wildwood, City of Oakland, Borough of Ocean City, City of Ocean, Township of Parsippany-Troy Hills, Township of Pennsville, Township of Pequannock, Village of Plainfield, City of Point Pleasant Beach, Borough of Point Pleasant, Borough of Pompton Lakes, Borough of Rahway, City of Ridgewood, Village of Riverdale, Borough 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 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 of Albuquerque, City of Bernalillo County Clovis, City of Dona Ana County Farmington, City of Hobbs, City of 10/1/92 10/1/94 10/1/94 10/1/92 10/1/00 10/1/95 10/1/92 10/1/95 10/1/91 10/1/92 10/1/91 10/1/91 10/1/92 10/1/93 10/1/91 10/1/92 10/1/92 10/1/94 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 10/1/93 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 10/1/99 10/1/95 10/1/01 10/1/92 10/1/00 10/1/96 10/1/01 10/1/95 10/1/91 10/1/97 10/1/97 10/1/98 10/1/97 10/1/93 10/1/96 10/1/02 10/1/02 10/1/94 01/1/98 10/1/95 10/1/97 10/1/95 10/1/97 10/1/02 10/1/99 10/1/00 10/1/96 10/1/98 10/1/98 10/1/03 10/1/99 10/1/00 10/1/05 10/1/03 10/1/97 10/1/91 10/1/95 10/1/93 10/1/91 10/1/03 10/1/91 10/1/94 7 10 9 9 7 10 7 9 9 10 10 10 10 9 10 8 7 9 8 10 10 10 10 8 8 7 8 8 10 8 8 8 10 8 10 9 8 9 9 9 9 8 15 0 5 5 15 0 15 5 5 0 0 0 0 5 0 10 15 5 10 0 0 0 0 10 10 15 10 10 0 10 10 10 0 10 0 5 10 5 5 5 5 10 5 0 5 5 5 0 5 5 5 0 0 0 0 5 0 5 5 5 5 0 0 0 0 5 5 5 5 5 0 5 5 5 0 5 0 5 5 5 5 5 5 5 C R C C C R C C C R R R R C R C C C C R R R R C C C C C R C C C R C R 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 19 October 1, 2005 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 Mexico (continued) 355332 350054 350006 Las Cruces, City of Portales, City of Roswell, City of 10/1/91 10/1/95 10/1/92 10/1/93 10/1/95 10/1/92 8 9 9 10 5 5 5 5 5 C C C New York 360226 360147 360790 360988 360148 361342 360570 361055 360149 360772 360463 360150 360151 360774 360464 360417 360777 360153 360154 360308 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 Chemung, Town of Corning, City of East Rockaway, Village of Elmira, City of Elmira, Town of Erwin, Town of Freeport, Village of Greece, Town of Hornellsville, Town of Horseheads, Town of Horseheads, Village of Ilion, Village of 10/1/95 10/1/91 10/1/92 10/1/92 10/1/91 10/1/93 10/1/96 10/1/91 10/1/91 10/1/91 10/1/92 10/1/91 10/1/91 10/1/91 10/1/92 10/1/92 10/1/91 10/1/91 10/1/91 10/1/00 05/1/97 10/1/91 10/1/93 10/1/03 10/1/96 10/1/98 10/1/01 10/1/97 10/1/91 10/1/91 10/1/92 05/1/97 10/1/91 10/1/91 10/1/97 10/1/92 10/1/92 10/1/91 10/1/91 10/1/00 8 9 10 8 8 10 10 10 9 9 9 8 9 9 8 9 10 9 9 9 10 5 0 10 10 0 0 0 5 5 5 10 5 5 10 5 0 5 5 5 5 5 0 5 5 0 0 0 5 5 5 5 5 5 5 5 0 5 5 5 C C R C C R R R C C C C C C C C R C C C 360047 Johnson City, Village of 10/1/91 10/1/91 360247 Lackawanna, City of 05/1/03 05/1/03 360476 Lawrence, Village of 10/1/92 10/1/03 360506 Niagara Falls, City of 10/1/92 10/1/02 360801 Northport, Village of 10/1/94 10/1/94 360667 Oneonta, City of 10/1/94 05/1/04 360780 Pulteney, Town of 10/1/91 10/1/93 360932 Scarsdale, Village of 10/1/93 10/1/98 365342 Southampton, Town of 10/1/95 10/1/05 365343 Southampton, Village of 10/1/92 10/1/93 360156 Southport, Town of 10/1/91 10/1/91 360595 Syracuse, City of 10/1/93 10/1/93 360056 Union, Town of 10/1/91 10/1/01 361057 Veteran, Town of 10/1/91 10/1/96 360157 Wellsburg, Village of 10/1/91 10/1/91 North Carolina 370404 Alliance, Town of 10/1/92 10/1/92 370044 Atlantic Beach, Town of 10/1/92 10/1/93 370183 Bayboro, Town of 10/1/92 10/1/92 375346 Beaufort, City of 10/1/94 10/1/05 9 5 5 C 9 5 5 C 8 10 5 C 8 10 5 C 9 5 5 C 8 10 5 C 10 0 0 R 8 10 5 C 8 10 5 C 10 0 0 R 9 5 5 C 9 5 5 C 9 5 5 C 10 0 0 R 9 5 5 C 9 5 5 C 8 10 5 C 9 5 5 C 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 20 October 1, 2005 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 370015 370253 370231 370036 370039 370046 375347 370043 370238 370391 370465 370159 370263 370037 370072 370443 370076 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 North Carolina (continued) Belhaven, Town of Boone, Town of Brevard, City of Cabarrus County Caldwell County Cape Carteret, Town of Carolina Beach, Town of Carteret County Cary, Town of Caswell Beach, City of Cedar Point, Town of Charlotte, City of Clinton, City of Concord, City of Craven County Creswell, Town of Cumberland County 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 of Kill Devil Hills, City of Kinston, City of Kitty Hawk, Town of Lenoir County Lexington, City of Manteo, Town of Mecklenburg County Minnesott Beach, Town of Morehead City, Town of Nags Head, City of Nashville, Town of New Bern, City of New Hanover County Newport, Town of North Topsail Beach, Town of 10/1/93 10/1/91 10/1/92 10/1/91 04/1/00 10/1/93 10/1/93 10/1/91 10/1/92 10/1/94 10/1/92 10/1/91 10/1/94 10/1/93 10/1/91 10/1/94 10/1/96 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 10/1/94 10/1/00 10/1/92 10/1/91 04/1/00 10/1/03 04/1/99 10/1/92 10/1/96 10/1/00 10/1/92 05/1/97 10/1/94 10/1/03 10/1/01 10/1/99 10/1/96 10/1/03 10/1/01 10/1/92 10/1/93 10/1/03 10/1/04 10/1/93 05/1/03 10/1/02 10/1/04 10/1/93 10/1/99 10/1/92 10/1/92 10/1/05 10/1/01 10/1/94 10/1/02 10/1/94 10/1/93 10/1/01 05/1/97 10/1/92 10/1/93 10/1/01 05/1/05 05/1/04 10/1/01 10/1/92 10/1/02 8 7 9 9 9 8 7 8 10 7 9 8 9 8 8 8 9 7 7 9 9 7 8 9 8 8 5 9 8 8 9 8 7 9 6 9 9 7 8 9 8 6 8 10 7 9 7 10 15 5 5 5 10 15 10 0 15 5 10 5 10 10 10 5 15 15 5 5 15 10 5 10 10 25 5 10 10 5 10 15 5 20 5 5 15 10 5 10 20 10 0 15 5 15 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 10 5 5 5 5 5 5 5 10 5 5 5 5 5 5 10 5 0 5 5 5 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 R 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 21 October 1, 2005 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 370523 375357 370279 370181 370267 370160 370372 370249 370243 370092 370421 370220 370430 370028 370437 375359 370187 370438 370368 370247 370268 370017 370251 370254 370464 370071 370270 375360 370193 375361 385365 390183 390038 390110 390412 390328 390071 390176 390737 390432 390472 390460 North Carolina (continued) Oak Island 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 of Stonewall, Town of Sunset Beach, Town of Topsail Beach, Town of Vandemere, Town of Wake County Washington County Washington Park, Town of Washington, City 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 Grand Forks, City of Ohio Delta, Village of Fairfield, City of Highland Heights, City of Kettering, City of Licking County New Richmond, Village of Obetz, Village of Orange, Village of Ottawa County Ottawa, Village of Preble County 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 10/1/92 10/1/92 10/1/91 10/1/94 10/1/92 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 10/1/91 10/1/92 10/1/93 10/1/91 10/1/95 10/1/93 10/1/92 10/1/96 10/1/91 10/1/92 10/1/95 10/1/98 10/1/01 10/1/02 10/1/97 10/1/97 10/1/02 05/1/97 10/1/04 10/1/99 10/1/01 10/1/02 10/1/99 10/1/99 10/1/96 10/1/05 10/1/92 10/1/00 10/1/02 10/1/92 10/1/96 10/1/99 10/1/92 10/1/02 10/1/91 05/1/03 10/1/96 10/1/05 10/1/05 10/1/93 10/1/97 10/1/01 10/1/01 10/1/92 10/1/98 10/1/92 10/1/00 10/1/97 10/1/02 10/1/96 10/1/91 10/1/92 10/1/95 10/1/98 7 7 9 9 7 8 8 8 8 8 8 10 6 8 9 8 6 9 10 8 9 8 9 7 10 8 7 9 10 5 5 9 8 10 8 8 8 9 9 9 9 9 15 15 5 5 15 10 10 10 10 10 10 0 20 10 5 10 20 5 0 10 5 10 5 15 0 10 15 5 0 25 25 5 10 0 10 10 10 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 0 10 5 5 5 10 5 0 5 5 5 5 5 0 5 5 5 0 10 10 5 5 0 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 R C C C C C R 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 22 October 1, 2005 ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY CURRENT EFFECTIVE CURRENT CLASS % DISCOUNT FOR % DISCOUNT FOR STATUS3 DATE DATE SFHA1 NON-SFHA2 390479 390131 390419 400220 400207 400078 400236 400234 400221 400252 400062 400049 400245 400211 400053 405380 405381 410137 410090 410043 410240 410008 410029 410092 415588 410009 410059 410122 410108 415589 410154 410096 410064 410200 410021 410186 410183 410201 410098 410067 410039 410144 Ohio (continued) Shelby, City of South Euclid, City of West Carrollton, City of Oklahoma Bartlesville, City of Bixby, Town of Blackwell, City of Broken Arrow, City of Chickasha, City of Dewey, 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 Oregon Albany, City of Ashland, City of Bandon, City of Beaverton,City of Benton County Cannon Beach, City of Central Point, City of Clackamas County Corvallis, City of Douglas County Eugene, City of Grants Pass, City of Jackson County Marion County Medford, City of Myrtle Creek, City of Nehalam, City of Oregon City, City of Polk County Portland, City of Rockaway Beach, City of Rogue River, City of Roseburg, City of Scappoose, City of Scio, City of 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 10/1/91 10/1/91 05/1/05 10/1/91 10/1/02 10/1/94 10/1/92 10/1/04 10/1/91 10/1/00 10/1/91 10/1/92 10/1/91 04/1/01 10/1/94 05/1/03 10/1/03 10/1/03 10/1/91 10/1/01 10/1/04 10/1/92 10/1/94 10/1/93 05/1/04 10/1/92 10/1/91 05/1/02 10/1/02 10/1/98 10/1/93 10/1/03 10/1/92 10/1/92 10/1/93 10/1/93 10/1/04 10/1/93 10/1/93 10/1/93 10/1/96 10/1/03 05/1/97 10/1/96 05/1/05 10/1/94 10/1/02 10/1/99 05/1/02 10/1/04 10/1/01 10/1/00 10/1/01 05/1/02 05/1/02 04/1/01 10/1/94 05/1/03 10/1/03 10/1/03 10/1/01 10/1/01 10/1/04 05/1/02 10/1/99 10/1/98 05/1/04 9 9 9 7 10 8 8 9 9 9 9 7 10 8 10 9 2 8 8 9 10 7 7 7 5 7 8 7 8 7 7 9 8 7 9 8 6 8 7 8 8 9 5 5 5 15 0 10 10 5 5 5 5 15 0 10 0 5 40 10 10 5 0 15 15 15 25 15 10 15 10 15 15 5 10 15 5 10 20 10 15 10 10 5 5 5 5 5 0 5 5 5 5 5 5 5 0 5 0 5 10 5 5 5 0 5 5 5 10 5 5 5 5 5 5 5 5 5 5 5 10 5 5 5 5 5 C C C C R C C C C C C C R C R 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 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, 2005 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 410257 410213 410100 410196 420339 421062 421134 420380 420642 420612 420613 420831 420687 422105 421040 425384 420754 421101 420834 420372 421119 420631 445401 445402 445404 440022 450002 450262 450025 450026 455413 455412 450056 455414 450078 455415 450087 450089 450091 Oregon (continued) Sheridan, City of Stanfield, City of Talent, City of Tillamook County Pennsylvania Bloomsburg, Town of Etna, Borough of Granville, Township of Harrisburg,City of Jersey Shore, Borough of Kingston, Borough of Kingston, Township of Lewisburg, Borough of Lewistown, Borough of Limestone, Township of Loyalsock, Township of Milton, Borough of Newport, Borough of Shaler, Township of Union, Township of Upper Allen, Township of Upper St. Clair, Township of Wilkes-Barre, City of Rhode Island Middletown, Town of Narragansett, Town of North Kingstown, Town of Pawtucket, City of South Carolina Aiken County Awendaw, Town of Beaufort County Beaufort, City of Charleston County Charleston, City of Colleton County Edisto Beach,Town of Florence, City of Folly Beach, Township of Georgetown, City of Greenville County Greenville, City of 10/1/01 10/1/91 10/1/00 04/1/01 10/1/93 10/1/96 10/1/93 10/1/91 10/1/93 10/1/92 10/1/92 10/1/93 10/1/93 10/1/93 10/1/94 10/1/92 10/1/94 10/1/94 10/1/93 10/1/92 10/1/98 10/1/92 10/1/91 10/1/92 10/1/93 10/1/02 10/1/93 10/1/96 10/1/91 10/1/92 10/1/95 10/1/93 05/1/05 10/1/92 10/1/91 10/1/96 10/1/93 10/1/93 10/1/91 10/1/01 10/1/03 10/1/00 04/1/01 10/1/03 05/1/04 10/1/93 10/1/93 10/1/93 10/1/92 04/1/93 10/1/03 10/1/93 10/1/98 04/1/01 10/1/03 10/1/94 10/1/04 10/1/98 10/1/97 10/1/03 10/1/02 04/1/00 10/1/92 10/1/93 10/1/02 10/1/93 10/1/05 10/1/96 10/1/97 10/1/05 05/1/05 05/1/05 10/1/96 10/1/97 10/1/01 10/1/03 10/1/03 10/1/04 8 8 8 6 8 8 9 7 9 9 10 8 9 10 10 8 9 8 10 10 8 7 8 9 9 8 9 6 8 8 5 7 8 8 8 8 8 8 7 10 10 10 20 10 10 5 15 5 5 0 10 5 0 0 10 5 10 0 0 10 15 10 5 5 10 5 20 10 10 25 15 10 10 10 10 10 10 15 5 5 5 10 5 5 5 5 5 5 0 5 5 0 0 5 5 5 0 0 5 5 5 5 5 5 5 10 5 5 10 5 5 5 5 5 5 5 5 C C C C C C C C C C R C C R R C C C R 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 24 October 1, 2005 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 450250 455416 450257 450129 450039 450040 455417 450109 450042 450110 450255 450166 450043 450170 450249 450256 455418 450182 450184 465420 470211 470176 475425 470105 475426 470059 470184 475433 475434 470070 470040 470100 475448 485454 480624 481193 485456 480289 480586 480082 South Carolina (continued) 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 Seabrook Island, Town of Sullivans Island, Town of Sumter County Sumter, City of South Dakota Rapid City, City of Tennessee Athens, City of Carthage, City of Elizabethton, City of Fayetteville, City of Gatlinburg, City of Humboldt, City of Kingsport, City of Knox County Knoxville, City of Morristown, City of Nashville, City of & Davidson Ripley, Town of Spring City, Town of Texas Arlington, City of Austin, City of Bastrop County Baytown, City of Bellaire, City of Benbrook, City of Bryan, City of 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 10/1/95 05/1/04 10/1/92 10/1/92 10/1/92 10/1/93 10/1/92 10/1/93 10/1/92 10/1/93 10/1/93 10/1/92 10/1/02 10/1/92 10/1/92 10/1/91 10/1/91 10/1/92 10/1/91 10/1/91 10/1/04 10/1/91 10/1/93 10/1/91 10/1/95 10/1/97 10/1/04 10/1/00 10/1/91 10/1/00 10/1/05 10/1/01 05/1/03 05/1/03 10/1/97 10/1/05 05/1/04 10/1/05 10/1/95 10/1/05 10/1/00 05/1/04 10/1/92 10/1/92 10/1/02 10/1/93 10/1/02 10/1/93 10/1/93 10/1/93 10/1/96 10/1/97 10/1/02 10/1/92 10/1/93 10/1/91 10/1/96 10/1/97 05/1/05 10/1/99 10/1/04 10/1/01 10/1/93 10/1/02 10/1/95 6 7 6 9 8 6 8 5 8 7 9 8 6 9 6 6 8 9 9 8 9 8 9 10 9 10 10 9 9 10 9 10 10 8 8 8 7 9 7 9 20 15 20 5 10 20 10 25 10 15 5 10 20 5 20 20 10 5 5 10 5 10 5 0 5 0 0 5 5 0 5 0 0 10 10 10 15 5 15 5 10 5 10 5 5 10 5 10 5 5 5 5 10 5 10 10 5 5 5 5 5 5 5 0 5 0 0 5 5 0 5 0 0 5 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 R R C C R C R R 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 25 October 1, 2005 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 485459 480167 485462 480484 480170 485464 480171 480291 480774 480194 480173 480214 485468 485471 485472 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 Texas (continued) 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 County Denton, City of Duncanville, City of El Paso, City of Friendswood, City of Garland, City of Grand Prairie, City of 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 of North Richland Hills, City of Odessa, City of Pasadena, City of Pearland, City of Plano, City of Port Arthur, City of Richardson, City of San Marcos, City of Seabrook, City of Sweetwater, City of Taylor Lake Village, City of Tiki Island, Village of Wichita Falls, City of Utah Bountiful, City of Cedar City, City of Centerville, City of Logan, City of Moab, City of North Ogden, City of Orem, City of 10/1/91 10/1/91 10/1/92 10/1/92 10/1/93 10/1/91 10/1/91 10/1/00 10/1/92 10/1/91 10/1/91 10/1/91 10/1/91 10/1/91 10/1/91 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 10/1/01 10/1/92 05/1/02 10/1/03 10/1/91 05/1/02 10/1/00 10/1/93 10/1/01 10/1/01 10/1/91 10/1/03 10/1/97 05/1/05 05/1/04 05/1/02 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 10/1/02 10/1/92 05/1/05 10/1/03 10/1/91 10/1/97 10/1/02 10/1/02 10/1/91 05/1/02 10/1/01 10/1/91 10/1/91 10/1/96 05/1/02 10/1/03 04/1/01 05/1/03 10/1/03 9 7 9 7 8 9 7 9 10 8 8 9 5 7 7 8 8 8 5 8 9 7 8 8 8 7 8 10 8 6 9 8 7 9 9 8 9 9 9 10 9 8 9 8 8 5 15 5 15 10 5 15 5 0 10 10 5 25 15 15 10 10 10 25 10 5 15 10 10 10 15 10 0 10 20 5 10 15 5 5 10 5 5 5 0 5 10 5 10 10 5 5 5 5 5 5 5 5 0 5 5 5 10 5 5 5 5 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 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 R C C C C C C C C C C C R 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, 2005 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 490159 490178 490177 490052 500013 500126 505518 510001 515519 515520 510134 510002 515525 510071 510201 510090 510104 510183 515529 510119 510190 510130 510053 510005 510182 530073 530074 530153 530103 530104 530024 530051 530200 530166 530079 530071 530156 530102 530316 Utah (continued) Provo, City of Santa Clara, Town of St. George, City of West Bountiful, City of Vermont Bennington, Town of Brattleboro, Town of Montpelier, City of Virginia Accomack County Alexandria, City of Arlington County Bridgewater, Town of Chincoteague, City of Fairfax County Gloucester County James City County Loudoun County Norfolk, City of Poquoson, City of Portsmouth, City of Prince William County Roanoke County Roanoke, City of Vienna, Town of Wachapreague, Town of York County Washington Auburn, City of Bellevue, City of Burlington, City of Centralia, City of Chehalis, City of Clark County Ephrata, City of Everson, City of Index, Town of Issaquah, City of King County La Conner, Town of Lewis County Lower Elwha Klallam Tribe 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 10/1/95 10/1/92 10/1/92 10/1/92 10/1/92 10/1/92 10/1/96 10/1/91 10/1/96 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 04/1/98 10/1/92 10/1/91 10/1/96 10/1/94 10/1/00 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 10/1/92 10/1/96 10/1/03 10/1/03 10/1/95 10/1/92 05/1/03 10/1/92 10/1/97 10/1/00 10/1/01 10/1/91 05/1/03 10/1/96 10/1/96 10/1/05 05/1/02 10/1/00 04/1/99 10/1/99 05/1/04 10/1/04 10/1/00 10/1/99 04/1/98 10/1/02 10/1/05 10/1/97 10/1/99 05/1/05 8 9 7 9 9 9 9 8 8 9 9 8 8 9 9 10 9 9 9 8 9 8 9 9 9 7 6 6 7 6 7 8 8 8 5 3 8 7 7 10 5 15 5 5 5 5 10 10 5 5 10 10 5 5 0 5 5 5 10 5 10 5 5 5 15 20 20 15 20 15 10 10 10 25 35 10 15 15 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 0 5 5 5 5 5 5 5 5 5 5 10 10 5 10 5 5 5 5 10 10 5 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 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, 2005 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 530169 530158 530085 530138 530088 530151 530090 530173 530204 530188 530198 540004 550001 550612 550128 550578 550022 555562 550085 550487 550310 550107 550108 550537 560037 560030 560013 560029 560085 560044 Washington (continued) Monroe, City of Mount Vernon, City of North Bend, City of Pierce County Renton, City of Skagit County Snoqualmie, City of Sultan, City of Sumas, City of Thurston County Whatcom County West Virginia Philippi, City of Wisconsin Adams County Allouez, Village of Eau Claire, City of Elm Grove, Village of Green Bay, City of La Crosse, City of Mazomanie, Village of New Berlin, City of Ozaukee County Watertown, City of Waupun, City of Winnebago County Wyoming Casper, City of Cheyenne, City of Douglas, City of Laramie County Park County Sheridan, City of 10/1/91 05/1/97 10/1/95 10/1/95 10/1/94 04/1/98 10/1/92 10/1/03 10/1/93 10/1/00 10/1/96 05/1/03 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 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 04/1/01 10/1/02 10/1/96 04/1/00 10/1/99 10/1/03 05/1/02 10/1/03 04/1/98 10/1/00 10/1/01 05/1/03 10/1/91 10/1/02 10/1/01 04/1/01 10/1/01 10/1/02 10/1/91 10/1/05 10/1/91 10/1/01 10/1/01 10/1/01 10/1/00 05/1/03 10/1/93 05/1/03 10/1/96 10/1/95 6 6 7 5 7 6 5 8 7 5 7 8 9 7 8 8 7 8 9 8 9 8 8 8 9 7 9 8 10 9 20 20 15 25 15 20 25 10 15 25 15 10 5 15 10 10 15 10 5 10 5 10 10 10 5 15 5 10 0 5 10 10 5 10 5 10 10 5 5 10 5 5 5 5 5 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 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, 2005 DEFINITIONS This list of terms is intended to include those that have specific meaning to the National Flood Insurance Program (NFIP). In a few instances, standard industry terms have been added for additional focus and emphasis. Act. The National Flood Insurance Act of 1968 and any amendments to it. Actual Cash Value (ACV). The cost to replace an insured item of property at the time of loss, less the value of its physical depreciation. Adjuster Control Office. An NFIP claims office similar to a Flood Insurance Claims Office (FICO) with the exception that the Adjuster Control Office does not house insured files, maintain a claims examiner staff at the site, or issue claim payments. Alternative Rating. A rating method used when a building is Pre-FIRM, the FIRM zone is unknown, and the community in which the building is located has no V zones. May also be used for renewal of policies in communities that have converted from the Emergency Program to the Regular Program during a policy’s term. Anchored. Adequately secured to prevent flotation, collapse, or lateral movement. Application. The statement made and signed by the prospective policyholder or the agent in applying for an NFIP flood insurance policy. The application gives information used to determine the eligibility of the risk, the kind of policy to be issued, and the correct premium payment. The application is part of the flood insurance policy. For a policy to be issued, the correct premium payment must accompany the application. Appurtenant Structure. A detached garage servicing a 1-4 family dwelling. Assignment. The transfer by a policyholder of his/her legal right or interest in a policy contract to a third party. In the NFIP, written assignment of a policy is permissible upon transfer of title, without the consent of the Federal Emergency Management Agency (FEMA), except in the case where a residential (household) contents-only policy is involved or a policy was issued to cover a building in the course of construction. Base Flood. A flood having a 1 percent chance of being equaled or exceeded in any given year. Base Flood Depth (BFD). The depth shown on the Flood Insurance Rate Map for Zone AO that indicates the depth of water above highest adjacent grade resulting from a flood that has a 1 percent chance of equaling or exceeding that level in any given year. Base Flood Elevation (BFE). The elevation shown on the Flood Insurance Rate Map for Zones AE, AH, A1-A30, AR, AR/A, AR/AE, AR/A1-A30, AR/AH, AR/AO, V1-V30, and VE that indicates the water surface elevation resulting from a flood that has a one percent chance of equaling or exceeding that level in any given year. Basement. Any area of the building, including any sunken room or sunken portion of a room, having its floor below ground level (subgrade) on all sides. Binder. A temporary agreement between company, producer, and insured that the policy is in effect. Binders are not permitted under the NFIP. Blanket Insurance. A single amount of insurance applying to more than one building and/or contents. Blanket insurance is not permitted under the NFIP. Breakaway Wall. A wall that is not part of the structural support of the building and is intended through its design and construction to collapse under specific lateral loading forces, without causing damage to the elevated portion of the building or supporting foundation system. Building. . A structure with two or more outside rigid walls and a fully secured roof, that is affixed to a permanent site; or . A manufactured home (a “manufactured home,” also known as a mobile home, is a structure built on a permanent chassis, transported to its site in one or more sections, and affixed to a permanent foundation); or . A travel trailer without wheels, built on a chassis and affixed to a permanent foundation, that is regulated under the community’s floodplain management and building ordinances or laws. “Building” does not mean a gas or liquid storage tank or a recreational vehicle, park trailer, or other similar vehicle, except as described above. DEF 1 October 1, 2005 Building in the Course of Construction. A walled and roofed building (see page GR 4 for exception) that is principally above ground and affixed to a permanent site. It does not include building materials or supplies intended for use in construction, alteration, or repair unless such materials or supplies are within an enclosed building on the premises. Cancellation. The ending of the insurance coverage provided by a policy before the expiration date. Cistern. Covered cisterns and the water in them are defined as an integral part of an insurable building, meaning under the building or above ground and physically attached to a side of the building with one of the walls of the building and cistern being common to each other. Claims Coordinating Office (CCO). A clearinghouse for the various insurers who are responding to a multi-peril catastrophe. Through voluntary participation, all losses are reported to the Claims Coordinating Office and are processed to locate address matches among the reported claims. The interest of each carrier is protected as the Claims Coordinator maintains sole control over the policy and loss information. If a match is found, special care is taken to direct the assigned adjuster(s) to a mutually agreeable adjustment or to have one adjuster surrender his/her loss with the assurance that every effort will be made to replace it. Closed Basin Lake. A natural lake from which water leaves primarily through evaporation and whose surface area exceeds or has exceeded 1 square mile at any time in the recorded past. NFIP-insured buildings that are subject to continuous lake flooding from a closed basin lake are covered under the provisions of Standard Flood Insurance Policy. Coastal Barrier. A naturally occurring island, sandbar, or other strip of land, including coastal mainland, that protects the coast from severe wave wash. Coastal Barrier Improvement Act of 1990 (CBIA). Enacted on November 16, 1990, the Act greatly expanded the identified land in the Coastal Barrier Resources System established pursuant to the Coastal Barrier Resources Act of 1982. Coastal Barrier Resources Act of 1982 (CBRA). For the purposes of the NFIP, the Coastal Barrier Resources Act of 1982 designated certain portions of the Gulf and East Coasts as undeveloped coastal barriers. These areas are shown on appropriate flood insurance map panels and have certain coverage restrictions. Coastal Barrier Resources System (CBRS). Communities, coastal barriers, and other protected areas identified by the Department of the Interior legislation defined above. Coastal High Hazard Areas. Special Flood Hazard Areas along the coasts that have additional hazards due to wind and wave action. These areas are identified on Flood Insurance Rate Maps as Zones V, V1-V30, and VE. Coinsurance. A penalty imposed on the loss payment unless the amount of insurance carried on the damaged building is at least 80 percent of its replacement cost or the maximum amount of insurance available for that building under the NFIP, whichever is less. Coinsurance applies only to building coverage under the Residential Condominium Building Association Policy. Community. A political entity that has the authority to adopt and enforce floodplain ordinances for the area under its jurisdiction. Community Number. A 6-digit designation identifying each NFIP community. The first two numbers are the state code. The next four are the FEMA-assigned community number. An alphabetical suffix is added to a community number to identify revisions in the Flood Insurance Rate Map for that community. Community Rating System (CRS). A program developed by FEMA to provide incentives for those communities in the Regular Program that have gone beyond the minimum floodplain management requirements to develop extra measures to provide protection from flooding. Condominium. That form of ownership of real property in which each unit owner has an undivided interest in common elements. Condominium Association. The entity made up of the unit owners responsible for the maintenance and operation of: . Common elements owned in undivided shares by unit owners; . Other real property in which the unit owners have use rights; where membership in the entity is a required condition of unit ownership. DEF 2 May 1, 2005 Countywide Map. A Flood Insurance Rate Map that shows flooding information for the entire geographic area of a county, including the incorporated communities within the county. Date of Construction. The date that the building permit was issued, provided the actual start of construction, repair, reconstruction, or improvement was within 180 days of the permit date. Declarations Page. A computer-generated summary of information provided by the prospective policyholder in the application for flood insurance. The Declarations Page also describes the term of the policy and the limits of coverage and displays the premium and the insurer’s name. The Declarations Page is a part of the flood insurance policy. Deductible Buyback. The option whereby, for an additional premium, policyholders who wish to reduce their deductibles from the standard deductibles of $1,000 per building loss and per contents loss for Pre-FIRM risks may purchase separate $500 deductibles for building and contents coverages. Described Location. The location where the insured building or personal property is found. The described location is shown on the Declarations Page. Diagram Number. Any of the numbers used in the instructions to the FEMA Elevation Certificate to identify the diagrams of the eight main types of buildings. Direct Physical Loss By or From Flood. Loss or damage to insured property, directly caused by a flood. There must be evidence of physical changes to the property. Doublewide Manufactured (Mobile) Home. A manufactured (mobile) home that, when assembled as a nonmovable, permanent building, is at least 16 feet wide and has an area within its perimeter walls of at least 600 square feet. Dwelling. A building designed for use as a residence for no more than four families or a single-family unit in building under a condominium form of ownership. Dwelling Form. See “Standard Flood Insurance Policy–Dwelling Form.” Elevated Building. A building that has no basement and that has its lowest elevated floor raised above ground level by foundation walls, shear walls, posts, piers, pilings, or columns. Solid perimeter foundations walls are not an acceptable means of elevating buildings in V and VE zones. Emergency Program. The initial phase of a community’s participation in the National FloodInsurance Program. During this phase, only limited amounts of insurance are available under the Act. Enclosure. That portion of an elevated building below the lowest elevated floor that is either partially or fully shut in by rigid walls. Erosion. The collapse, undermining, or subsidence of land along the shore of a lake or other body of water. Erosion is a covered peril if it is caused by waves or currents of water exceeding their cyclical levels which result in flooding. Expense Constant. A flat fee formerly charged on each new and renewal policy, the Expense Constant was eliminated effective May 1, 2003, and no longer affects the premium calculation for new and renewal business. However, the Expense Constant may affect the calculation of refunds going back prior to May 1, 2003, for policy cancellations and endorsements. Federal Emergency Management Agency (FEMA). The federal agency under which the National Flood Insurance Program (NFIP) is administered. In March 2003, FEMA became part of the newly created U.S. Department of Homeland Security. Federal Policy Fee. A flat charge that the policyholder must pay on each new or renewal policy to defray certain administrative expenses incurred in carrying out the National Flood Insurance Program. Financial Assistance/Subsidy Arrangement. The arrangement between an insurance company and FEMA to initiate the company’s participation in the Write Your Own (WYO) Program. It establishes the duties of the company and the government. Finished (Habitable) Area. An enclosed area having more than 20 linear feet of finished walls (paneling, etc.) or used for any purpose other than solely for parking of vehicles, building access, or storage. Flood. . A general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties (at least one of which is the policyholder’s property) from: DEF 3 May 1, 2005 – Overflow of inland or tidal waters; – Unusual and rapid accumulation or runoff of surface waters from any source; or – Mudflow; or . Collapse or subsidence of land along the shore of a lake or similar body of water as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood as defined above. Flood Hazard Boundary Map (FHBM). Official map of a community issued by FEMA, where the boundaries of the flood, mudflow, and related erosion areas having special hazards have been designated. Flood Insurance Claims Office (FICO). An NFIP claims processing office set up in a catastrophe area when a sufficient number of flood claims result from a single event. Flood Insurance Rate Map (FIRM). Official map of a community on which FEMA has delineated both the special hazard areas and the risk premium zones applicable to the community. Flood Response Office (FRO). The FRO provides a local presence in the affected area and supports the WYO companies, the NFIP Servicing Agent, and various federal, state, and local officials in providing answers to claims coverage questions, forms for claims handling, and survey and statistical input. One of the key requirements of personnel at the FRO is to coordinate and conduct reinspections of WYO and NFIP Direct losses. The FRO also tracks adjuster performance and provides such information to interested WYO and NFIP Direct companies. Floodplain. Any land area susceptible to being inundated by flood waters from any source. Floodplain Management. The operation of an overall program of corrective and preventive measures for reducing flood damage, including but not limited to, emergency preparedness plans, flood control works, and floodplain management regulations. Floodproofing. Any combination of structural and nonstructural additions, changes, or adjustments to structures, which reduce or eliminate risk of flood damage to real estate or improved real property, water and sanitation facilities, or structures with their contents. Freeboard. An additional amount of height above the Base Flood Elevation used as a factor of safety (e.g., 2 feet above the Base Flood) in determining the level at which a structure's lowest floor must be elevated or floodproofed to be in accordance with State or community floodplain management regulations. General Property Form. See “Standard Flood Insurance Policy–General Property Form.” Grade Elevation. The lowest or highest finished ground level that is immediately adjacent to the walls of the building. Use natural (preconstruction), ground level, if available, for Zone AO and Zone A (without BFE). Grandfathering. An exemption based on circumstances previously existing. Under the NFIP, buildings located in Emergency Program communities and Pre–FIRM buildings in the Regular Program are eligible for subsidized flood insurance rates. Post–FIRM buildings in the Regular Program built in compliance with the floodplain management regulations in effect at the start of construction will continue to have favorable rate treatment even though higher base flood elevations or more restrictive, greater risk zone designations result from FIRM revisions. Group Flood Insurance. Issued by the NFIP Direct Program in response to a Presidential disaster declaration. Disaster assistance applicants, in exchange for a modest premium, receive a minimum amount of building and/or contents coverage for a 3-year policy period. An applicant may cancel the group policy at any time and secure a regular Standard Flood Insurance Policy through the NFIP. High-Rise Building. High-rise condominium buildings have five or more units and at least three floors excluding enclosure even if it is the lowest floor for rating purposes. An enclosure below an elevated building, even if it is the lowest floor for rating purposes, cannot be counted as a floor to avoid classifying the building as low rise. Historic Building. Any building that is: . Listed individually in the National Register ofHistoric places (a listing maintained by theDepartment of the Interior) or preliminarilydetermined by the Secretary of the Interioras meeting the requirements for individuallisting on the National Register; or . Certified or preliminarily determined by theSecretary of the Interior as contributing to the historical significance of a registered historic district or a district preliminarily DEF 4 October 1, 2005 determined by the Secretary to qualify as aregistered historic district; or . Individually listed in a state inventory of historic places in states with preservationprograms that have been approved by theSecretary of the Interior; or . Individually listed on a local inventory ofhistoric places in communities with historicpreservation programs that have been certified either: – By an approved state program as determined by the Secretary of the Interior, or – Directly by the Secretary of the Interior instates without approved programs. Improvements. Fixtures, alterations, installations, or additions comprising a part of the insured building. Increased Cost of Compliance. Coverage for expenses that a property owner must incur, above and beyond the cost to repair the physicaldamage the structure actually sustained from aflooding event, to comply with mitigation requirements of State or local floodplain management ordinances or laws. Acceptablemitigation measures are elevation, floodproofing, relocation, demolition, or any combination thereof. Letter of Determination Review (LODR). FEMA’s ruling on the determination made by a lender or third party that a borrower’s building is in a Special Flood Hazard Area (SFHA). A LODR deals only with the location of a building relative to the SFHA boundary shown on the Flood Insurance Rate Map. Letter of Map Amendment (LOMA). An amendment to the currently effective FEMA map which establishes that a property is not located in a Special Flood Hazard Area. A LOMA is issued only by FEMA. Letter of Map Revision (LOMR). An official amendment to the currently effective FEMA map. It is issued by FEMA and changes flood zones, delineations, and elevations. Loss in Progress. A loss that is already inprogress as of 12:01 a.m. on the first day of thepolicy term; or, as to any increase in the limits of coverage which is requested, a loss that is already in progress when the additional coverage is requested. Lowest Adjacent Grade. The lowest point ofthe ground level next to the building. Lowest Floor. The lowest floor of the lowest enclosed area (including a basement). An unfinished or flood-resistant enclosure, usable solely for parking of vehicles, building access, orstorage in an area other than a basement area, is not considered a building's lowest floor provided that such enclosure is not built so as torender the structure in violation of requirements. Lowest Floor Elevation (LFE). The measured distance of a building’s lowest floor above theNational Geodetic Vertical Datum (NGVD) or other datum specified on the FIRM for that location. Low-Rise Building. Low-rise condominium buildings have fewer than five units regardless of the number of floors or five or more units with fewer than three floors including basement. All townhouses/rowhouses, regardless of the number of floors or units, and all single-family detached condominium buildings are classified as low rise. An enclosure below an elevated building, even if it is the lowest floor for rating purposes, cannot be counted as a floor to avoid classifying the building as low rise. Mandatory Purchase. Under the provisions of the Flood Disaster Protection Act of 1973, individuals, businesses, and others buying, building, or improving property located in identified areas of special flood hazards within participating communities are required to purchase flood insurance as a prerequisite for receiving any type of direct or indirect federal financial assistance (e.g., any loan, grant, guaranty, insurance, payment, subsidy, or disaster assistance) when the building or personal property is the subject of or security for such assistance. Manufactured (Mobile) Home. A structure built on a permanent chassis, transported to its site in one or more sections, and affixed to a permanent foundation. “Manufactured (mobile) home” does not include recreational vehicles. Manufactured (Mobile) Home Park or Subdivision, Existing. A manufactured (mobile) home park or subdivision for which the construction of facilities for servicing the lots on which the manufactured (mobile) homes are to be affixed (including, at a minimum, the installation of utilities, the construction of streets, and either final site grading or the pouring of concrete pads) is completed on or before December 31, 1974, or before the effective date of the community’s initial FIRM, whichever is later. DEF 5 October 1, 2005 Manufactured (Mobile) Home Park or Subdivision, Expansion to Existing Site. The preparation of additional sites by the construction of facilities for servicing the lots on which manufactured (mobile) homes are to be affixed (including the installation of utilities, the construction of streets, and either final site grading or the pouring of concrete pads). Manufactured (Mobile) Home Park or Subdivision, New. A manufactured (mobile) home park or subdivision for which the construction of facilities for servicing the lots on which the manufactured (mobile) homes are to be affixed (including, at a minimum, the installation of utilities, the construction of streets, and either final site grading or the pouring of concrete pads) is completed after December 31, 1974, or on or after the effective date of the community’s initial FIRM, whichever is later. Map Revision. A change in the FHBM or FIRM for a community which reflects revised zone, base flood, or other information. Mean Sea Level. See National Geodetic Vertical Datum (NGVD). Modular Building. A building that is usually transported to its site on a steel frame or special trailer because it does not have a permanent chassis like a manufactured (mobile) home. A modular building is classified and rated under one of the other building types. Mortgage Portfolio Protection Program (MPPP). A program designed to help lending institutions maintain compliance with the Flood Disaster Protection Act of 1973, as amended. Policies written under the MPPP can be placed only through a WYO Company. Mudflow. A river of liquid and flowing mud on the surfaces of normally dry land areas, as when earth is carried by a current of water. Other earth movements, such as landslide, slope failure, or a saturated soil mass moving by liquidity down a slope, are not mudflows. National Flood Insurance Program (NFIP). The program of flood insurance coverage and floodplain management administered under the Act and applicable Federal regulations promulgated in Title 44 of the Code of Federal Regulations, Subchapter B. National Geodetic Vertical Datum (NGVD). National standard reference datum for elevations, formerly referred to as Mean Sea Level (MSL) of 1929. NGVD is used as the reference datum on most FIRMs. Natural Grade. The grade unaffected by construction techniques such as fill, landscaping, or berming. New Construction. Buildings for which the “start of construction” commenced on or after the effective date of an initial FIRM or after December 31, 1974, whichever is later, including any subsequent improvements. NFIP Bureau and Statistical Agent. A corporation, partnership, association, or any other organized entity that contracts with the Federal Emergency Management Agency to be the focal point of support operations for the NFIP. NFIP Servicing Agent. A corporation, partnership, association, or any other organized entity that contracts with the Federal Emergency Management Agency to service insurance policies as direct business. NFIP Special Direct Facility (SDF). Formed in 2000, a branch of the NFIP Servicing Agent towhich WYO companies transfer renewals for identified properties in the Repetitive Loss Target Group so that mitigation assistance can be offered to the policyholders. Non-Residential. Includes, but is not limited to: small business concerns, churches, schools, farm buildings (including grain bins and silos), poolhouses, clubhouses, recreational buildings, mercantile structures, agricultural and industrial structures, warehouses, hotels and motels with normal room rentals for less than 6 months’ duration, and nursing homes. Nullification. The act of declaring an insurance contract invalid from its inception so that, from a legal standpoint, the insurance contract never existed. Other Residential. Hotels or motels where the normal occupancy of a guest is 6 months or more; a tourist home or rooming house which has more than four roomers. A residential building (excluding hotels and motels with normal room rentals for less than 6 months’ duration) containing more than four dwelling units. Incidental occupancies such as office, professional private school, or studio occupancy, are permitted if the total area of such incidental occupancies is limited to less than 25 percent of the total floor area within the building. Out-As-Shown Determination. An alternative outcome of the FEMA Letter of Map Amendment (LOMA) review process stating that a specific property is located outside the Special Flood DEF 6 May 1, 2005 Hazard Area as indicated on the Flood Hazard Boundary Map or Flood Insurance Rate Map. Participating Community. A community for which FEMA has authorized the sale of flood insurance under the NFIP. Policy. The entire written contract between the insured and the insurer. It includes: . The printed policy form; . The application and Declarations Page; . Any endorsement(s) that may be issued; and . Any renewal certificate indicating that coverage has been instituted for a new policy and new policy term. Only one dwelling, specifically described by the prospective policyholder in the application, may be insured under a policy. Pollutants. Substances that include, but are not limited to, any solid, liquid, gaseous, or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals, and waste. “Waste” includes, but is not limited to, materials to be recycled, reconditioned, or reclaimed. Ponding Hazard. A flood hazard that occurs in flat areas when there are depressions in the ground that collect “ponds” of water. The ponding hazard is represented by the zone designation AH on the FIRM. Post-FIRM Building. A building for which construction or substantial improvement occurred after December 31, 1974, or on or after the effective date of an initial Flood Insurance Rate Map (FIRM), whichever is later. Pre-FIRM Building. A building for which construction or substantial improvement occurred on or before December 31, 1974, or before the effective date of an initial Flood Insurance Rate Map (FIRM). Preferred Risk Policy (PRP). A policy that offers fixed combinations of building/contents coverage or contents-only coverage at modest, fixed premiums. The PRP is available for property located in B, C, and X Zones in Regular Program communities that meets eligibility requirements based on the property’s flood loss history. Prepaid Amount (Total). The total amount that must be submitted with an application or renewal in order to be acceptable for coverage. It is determined by adding the Federal Policy Fee to the Total Prepaid Premium. Prepaid Premium (Total). The amount on the application (excluding the Preferred Risk Application) that includes the Annual Subtotal, the ICC Premium, the CRS Premium Discount (if applicable), and the Probation Surcharge (if applicable). Presentment of Payment (Premium). The date of receipt of premium at the office of the NFIP or the date of certified mail. In the case of transfer of title, the date of settlement or closing, when the premium is paid at that time. Principal Residence. A single-family dwelling in which, at the time of loss, the named insured or the named insured’s spouse has lived for either 80 percent of the 365 days immediately preceding the loss, or 80 percent of the period of ownership, if less than 365 days. Principally Above Ground Building. A building that has at least 51 percent of its actual cash value, including machinery and equipment, above ground. Probation. A FEMA-imposed change in a community’s status resulting from violations and deficiencies in the administration and enforcement of NFIP local floodplain management regulations. Probation Surcharge (Premium). A flat charge that the policyholder must pay on each new or renewal policy issued covering property in a community that the NFIP has placed on probation under the provisions of 44 CFR 59.24. Proper Openings - Enclosures (Applicable to Zones A, A1-A30, AE, AO, AH, AR, and AR Dual). All enclosures below the lowest elevated floor must be designed to automatically equalize hydrostatic flood forces on exterior walls by allowing for the entry and exit of floodwaters. A minimum of two openings, with positioning on at least two walls, having a total net area of not less than 1 square inch for every square foot of enclosed area subject to flooding must be provided. The bottom of all openings must be no higher than 1 foot above grade. Property Removed to Safety Expense. Up to $1,000 of reasonable expenses incurred by the insured to temporarily remove insured property from the described location because of flood or the imminent danger of flood. Provisional Rating. A method for placing flood coverage prior to the receipt of a FEMA Elevation Certificate. DEF 7 May 1, 2005 Regular Program. The final phase of a community’s participation in the National Flood Insurance Program. In this phase, a Flood Insurance Rate Map is in effect and full limits of coverage are available under the Act. Regular Program Community. A community wherein a FIRM is in effect and full limits of coverage are available under the Act. Repetitive Loss Structure. An NFIP-insured structure that has had at least two paid flood losses of more than $1,000 each in any 10-year period since 1978. Repetitive Loss Target Group. NFIP-insured properties that, on the basis of losses since 1978, meet one or more of the loss criteria described on page RL 1. WYO companies began transferring renewals for identified properties in this group to the NFIP Special Direct Facility (SDF, a branch of the NFIP Servicing Agent) on August 1, 2000, so that mitigation assistance can be offered to the policyholders. Replacement Cost Value (RCV). The cost to replace property with the same kind of material and construction without deduction for depreciation. Residential Condominium Building. A building, owned and administered as a condominium, containing one or more family units and in which at least 75 percent of the floor area is residential. Residential Condominium Building Association Policy (RCBAP). See “Standard Flood Insurance Policy–Residential Condominium Building Association Policy (RCBAP).” Scheduled Building Policy. A policy that requires a specific amount of insurance to be designated for each building and its contents. Section 1316. Section of the National Flood Insurance Act of 1968, as amended, which states that no new flood insurance coverage shall be provided for any property that FEMA finds has been declared by a duly constituted state or local zoning authority or other authorized public body to be in violation of state or local laws, regulations, or ordinances that are intended to discourage or otherwise restrict land development or occupancy in flood-prone areas. Shear Walls. Walls used for structural support but not structurally joined or enclosed at the ends (except by breakaway walls). Shear walls are parallel, or nearly parallel, to the flow of the water and can be used in any flood zone. Sheet Flow Hazard. A type of flood hazard with flooding depths of 1 to 3 feet that occurs in areas of sloping land. The sheet flow hazard is represented by the zone designation AO on the FIRM. Single Adjuster Program. A procedure implemented among the NFIP, various wind pools, and WYO Companies to allow one adjuster to represent both carriers in adjusting a combined wind-water loss where the NFIP has the flood coverage and another carrier has the wind coverage. Single Building. A building that is separated from other buildings by intervening clear space or solid, vertical, load-bearing division walls. Single-Family Residence. A residential single- family dwelling. Incidental office, professional, private school, or studio occupancies, including a small service operation, are permitted if such incidental occupancies are limited to less than 50 percent of the building's total floor area. Solid Perimeter Foundation Walls. Walls that are used as a means of elevating a building in A Zones and that must contain sufficient openings to allow for the unimpeded flow of floodwaters more than 1 foot deep. Special Flood Hazard Area (SFHA). An area having special flood, mudflow, or flood-related erosion hazards, and shown on a Flood Hazard Boundary Map or Flood Insurance Rate Map as Zone A, AO, A1-A30, AE, A99, AH, AR, AR/A, AR/AE, AR/AH, AR/AO, AR/A1-A30, V1-V30, VE, or V. For the purpose of determining Community Rating System premium discounts, all AR and A99 zones are treated as non- SFHAs. Standard Flood Insurance Policy–Dwelling Form. Policy issued to insure a building and/or residential contents on a single-family or a 2-4 family dwelling. Standard Flood Insurance Policy–General Property Form. Policy issued to insure a building and/or contents on other residential or non-residential buildings. Standard Flood Insurance Policy–Residential Condominium Building Association Policy (RCBAP). Policy issued to insure a residential condominium building and all units within the DEF 8 May 1, 2005 building, provided that the building is located in a Regular Program community and at least 75 percent of the total floor area is residential. Start of Construction. For other than new construction or substantial improvements, under the Coastal Barrier Resources Act, this is the date when the building permit was issued, provided that the actual start of construction, repair, rehabilitation, addition, placement, or other improvement was within 180 days of the permit date. The actual start means either the first placement of permanent construction of a building on site, such as the pouring of a slab or footing, the installation of piles, the construction of columns, or any work beyond the stage of excavation; or the placement of a manufactured (mobile) home on a foundation. For a substantial improvement, actual start of construction means the first alteration of any wall, ceiling, floor, or other structural part of a building, whether or not that alteration affects the external dimensions of the building. Stock. Merchandise held in storage or for sale, raw materials, and in-process or finished goods, including supplies used in their packing or shipping. “Stock” does not include any property not covered under “Section IV. Property Not Covered” of the General Property Form, except the following: . Parts and equipment for self-propelled vehicles; . Furnishings and equipment for watercraft; . Spas and hot-tubs, including their equipment; and . Swimming pool equipment. Submit-for-Rate. An application for flood insurance on a building for which no risk rate is published in the Flood Insurance Manual. Insurance coverage can be obtained only after the NFIP has approved the application and has established the risk premium rate. Substantial Damage. Damage of any origin sustained by a building whereby the cost of restoring the building to its before-damaged condition would equal or exceed 50 percent of the market value of the building before the damage occurred. Substantial Improvement. Any reconstruction, rehabilitation, addition, or other improvement of a building, the cost of which equals or exceeds 50 percent of the market value of the building before the “start of construction” of the improvement. Substantial improvement includes buildings that have incurred “substantial damage,” regardless of the actual repair work performed. The term does not, however, include either any project for improvement of a building to correct existing state or local code violations or any alteration to a “historic building,” provided that the alteration will not preclude the building’s continued designation as a “historic building.” Suspension. FEMA’s removal of an NFIP participating community from the Program because the community has not enacted and/or enforced the proper floodplain management regulations required for participation. Tentative Rates. Unpublished NFIP rates used to issue policies for applications that fail to provide the NFIP with valid actuarial rating information. Travel Trailer. Under the NFIP, a travel trailer can be considered a building only if it is without wheels, built on a chassis and affixed to a permanent foundation, and regulated under the community’s floodplain management and building ordinances or laws. 2- to 4-Family Residence. A residential building (excluding hotels and motels with normal room rentals for less than 6 months’ duration) containing no more than four dwelling units. Incidental occupancies such as office, professional, private school, or studio space are permitted if the total area of such occupancies is limited to less than 25 percent of the total floor area within the building. Underground Building. A building for which 50 percent or more of the actual cash value, including machinery and equipment that are part of the building, is below ground. Unfinished Area. An enclosed area that is used only for the parking of vehicles, building access, or storage purposes and that does not meet the definition of a finished (habitable) area. Drywall used for fire protection is permitted in unfinished areas. Unit. A single-family unit owned by the policyholder in a condominium building. Valued Policy. A policy in which the insured and the insurer agree on the value of the property insured, that value being payable in the event of a total loss. The Standard Flood Insurance Policy is not a valued policy. Variance. A grant of relief by a participating community from the terms of its floodplain management regulations. DEF 9 October 1, 2005 Waiting Period. The time between the date of application and the policy effective date. Walled and Roofed. A building that has two or more exterior rigid walls and a fully secured roof and that is affixed to a permanent site. Wave Height Adjustment. A measurement that is added to the base flood elevation for V Zones shown on the Flood Insurance Rate Map published prior to 1981. For coastal communities, the base flood elevation shown on Flood Insurance Rate Maps published prior to 1981 are still-water elevations, which include only the effects of tide and storm surge, and not the height of wind-generated waves. Write Your Own (WYO) Program. A cooperative undertaking of the insurance industry and the Federal Emergency Management Agency begun in October 1983. The WYO Program operates within the context of the NFIP and involves private insurance carriers who issue and service National Flood Insurance Program policies. Zone. A geographical area shown on a Flood Hazard Boundary Map or a Flood Insurance Rate Map that reflects the severity or type of flooding in the area. DEF 10 October 1, 2005 INDEX A ABOVE GROUND BUILDING, PRINCIPALLY...GR 2, DEF 7 ACT.......................................................REF 1, GR 6, DEF 1 ACTUAL CASH VALUE (ACV)....................................DEF 1 ADDITIONS AND EXTENSIONS (TO BUILDING) .......................................... GR 4, RATE 16 ADJUSTER CONTROL OFFICE ....................... CL 1, DEF 1 ALTERNATIVE RATES .................. RATE 21, END 2, DEF 1 ANCHORED...................................................GR 2-3, DEF 1 APPLICATION...........................................GR 11, APP 1-11, CONDO 8-9, PRP 4-7, DEF 1 Binders..........................................................GR 7, DEF 1 Flood Insurance Application Form .....................APP 9-11 Incomplete/Incorrect Applications............................APP 8 Mailing Instructions .................................GR 7, 11, APP 8 APPURTENANT STRUCTURE .........................GR 2, DEF 1 ASSESSMENT COVERAGE.................................CONDO 7 ASSIGNMENT OF POLICY..............GR 11, MPPP 6, DEF 1 B BASE FLOOD .............................................................DEF 1 BASE FLOOD DEPTH................................RATE 18, DEF 1 BASE FLOOD ELEVATION (BFE)....................RATE 17-21, MAP 2, 3, DEF 1 BASEMENT........... APP 1, 3, RATE 24, CERT 3, 4-5, DEF 1 BINDER.............................................................GR 7, DEF 1 BLANKET INSURANCE..............................................DEF 1 BOATHOUSES..............................................................GR 3 BREAKAWAY WALLS.......................GR 4, RATE 20, DEF 1 BUILDING ................................GR 2-5, 6-7, APP 3-4, DEF 1 Additions and Extensions ........................ GR 4, RATE 16 Building Coverage Limits.......................................RATE 1 Building in the Course of Construction......................GR 4, APP 5, DEF 2 Buildings In More Than One Flood Zone ................GR 10, RATE 17 Building on Fill...........................................................PR 2 Building Over Water ..............................................GR 3, 6 Building Partially Underground ..................................GR 6 Container-Type Building............................................GR 6 Contents ......................GR 5, 6, 7, APP 4, RATE 1, 25-28 Elevated Building ............................... APP 1, 3, 4, 5, 6, 7, RATE 19-21, DEF 3 Floodproofed Building ....... RATE 30-31,CERT 3-8, DEF 4 Manufactured (Mobile) Home/Travel Trailer ..........GR 2-3, APP 1, 4, 5, 7, RATE 15, 16, PR 1, DEF 3, 5, 9 Section 1316.................................................GR 6, DEF 8 Single Building ..............................................GR 4, 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 4- 5 C CANCELLATION/NULLIFICATION...........CONDO 8, PRP 2, MPPP 6, CN 1-10, DEF 2, 6 Cancellation/Nullification Request Form...............CN 9-10 Form Completion.......................................................CN 7 Reason Codes for Cancellation/Nullification...........CN 1- 7 Refunds .................................................................CN 1- 7 CERTIFICATIONS............................................... CERT 1-19 CISTERNS....................................................GR 3, 5, DEF 2 CLAIMS...................................................................... CL 1- 2 Increased Cost of Compliance (ICC) Claims ............. CL 2 Insured's Responsibilities.......................................... CL 1 Producer's Responsibilities ................................... CL 1, 2 Single Adjuster Program.............................CL 1-2, DEF 8 Training.....................................................................CL 2 CLAIMS COORDINATING OFFICE (CCO).....CL 1-2, 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 29-30, DEF 2 COINSURANCE ....................................... CONDO 7, DEF 2 COMMERCIAL CONTENTS ....................... GR 5, CONDO 2 COMMISSION, PRODUCER’S ....... GR 11, CONDO 7, CN 8 COMMON INTERIOR WALLS ...................................... GR 4 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) .... CRS 1-28, DEF 2 CONDOMINIUM ASSOCIATION ........... CONDO 1-2, DEF 2 CONDOMINIUMS ................................ CONDO 1-31, DEF 2 CONTACT INFORMATION,NFIP............................REF 3- 6 CONTENTS ..................... GR 5, 6, 7, APP 4, RATE 1, 25-28 CONSTRUCTION DATA..........................................APP 4- 6 CONTINUOUS LAKE FLOODING................................. CN 6 COOPERATIVES.......................................................... GR 5 COUNTYWIDE MAP.......................................MAP 1, DEF 3 COURSE OF CONSTRUCTION ...................... GR 4, APP 5, DEF 2 COVERAGE ............GR 9-10, RATE 1-10, CONDO 6-7, 8-9, PRP 3, MPPP 3-4, END 1 Additional Coverage or Increase in Coverage.........END 1 Amount of Insurance Available ............................. RATE 1 Building Coverage ...........................GR 2-5, 6-7, RATE 1, CONDO 8, PRP 3 Contents Coverage................ GR 5, 6, 7, APP 4, RATE 1, CONDO 9, PRP 3 Contents-Only Coverage ................ RATE 55, PRP 1, 2, 3 Limits of Coverage................................GR 9-10, RATE 1, CONDO 6-7, 8-9, PRP 3, MPPP 3- 4 Reduction or Reformation/Removal of Insurance.................... GR 10, END 1, MPPP 5, PR 1 CRAWL SPACE............................RATE 24, CERT 2, LFG 2 CREDIT CARD PAYMENT .........APP 6, 7, REN 1, 8, MAP 4 CREDIT CARD PAYMENT FORM .......................... REN 1, 8 D DATE OF CONSTRUCTION....................APP 4-5, RATE 15 DEF 3 DECLARATIONS PAGE ........................... MPPP 4-5, DEF 3 DEDUCTIBLE BUYBACK ........................... RATE 12, DEF 3 DEDUCTIBLE FACTORS ................... RATE 13, CONDO 22 DEDUCTIBLES................... GR 9, APP 4, RATE 12, 13, 17, CONDO 7, 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 11, APP 8, CONDO 7 DISASTER ASSISTANCE..................... GR 2, APP 2, PRP 4 IND 1 October 1, 2005 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, CONDO 8, POL 1, 2-21 E EFFECTIVE DATE ............................ GR 7-9, PRP 1, 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, 9-19 ELEVATION DIFFERENCE..........................RATE 17-19, 30 ELIGIBLE BUILDINGS .............................GR 2-5, CONDO 6 ELIGIBLE COMMUNITY (See PARTICIPATING COMMUNITY) ELIGIBLE CONTENTS..............................................GR 5, 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, CONDO 8, PRP 2, MPPP 6, END 1-14, PR 1 Endorsement Processing Prior to Policy Renewal......END 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 7 EXPENSE CONSTANT...............................................DEF 3 F FEDERAL LAND ...........................................................GR 1 FEDERAL POLICY FEE ...................................RATE 12, 17, CONDO 7, MPPP 5, DEF 3 FEMA ............................ REF 1, RATE 21, 30, CL 1, 2, RL 1, 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 3-4 FLOOD DISASTER PROTECTION ACT OF 1973 .....................................................MPPP 1, 3 FLOOD HAZARD BOUNDARY MAP (FHBM)...............GR 1, MAP 1, 2, 4-5, 7, DEF 4 FLOOD INSURANCE CLAIMS OFFICE (FICO)............ CL 1, DEF 4 FLOOD INSURANCE RATE MAP (FIRM) ....................GR 1, CERT 2, MAP 1, 3, 4-5, 6, DEF 4 FLOOD MAP “GRANDFATHERING”.................RATE 21-23, PRP 1, DEF 4 FLOOD MAPS...............................................GR 1, MAP 1-7 Changing or Correcting a Flood Map...................... MAP 3 Countywide Map.........................................MAP 1, DEF 3 FEMA Map Assistance Center................................MAP 3 FEMA MapService Center.....................REF 4, MAP 4, 5 “FIRMettes” ............................................................MAP 4 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, 3, 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 Physical Map Revision ..........................................MAP 3 FLOOD VENTS (See PROPER OPENINGS) FLOOD RESPONSE OFFICE (FRO) .......................... DEF 4 FLOODPLAIN ............................................................. DEF 4 FLOODPLAIN MANAGEMENT................................... DEF 4 FLOODPROOFING...APP 6, RATE 30-31, CERT 3-8, DEF 4 FLOODPROOFING CERTIFICATE FOR NON-RESIDENTIAL STRUCTURES ...................CERT 7-8 FLOODPROOFING CERTIFICATE, RESIDENTIAL BASEMENT .................................CERT 5-6 FORCED PLACEMENT (MANDATORY PURCHASE).......... GR 2, MPPP 2, CN 2, DEF 5 FREEBOARD.............................................................. DEF 4 G GARAGES........................................................ GR 2, LFG 1 GENERAL CHANGE ENDORSEMENT (See ENDORSEMENT) GENERAL PROPERTY FORM (See also STANDARD FLOOD INSURANCE POLICY)............ GR 1, POL 1, 22-40 GENERAL RULES...................................................GR 1-11 GRADE ELEVATION .................................................. DEF 4 “GRANDFATHERING” (See FLOOD MAP “GRANDFATHERING”) GROUP FLOOD INSURANCE ......................... GR 2, 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....................................................... DEF 5 INCIDENTAL OCCUPANCY ......................................... GR 5 INCREASED COST OF COMPLIANCE (ICC) COVERAGE.. GR 9-10, RATE 14, 17, CONDO 21, MPPP 1, CL 2, DEF 5 INELIGIBLE COMMUNITY (See NON-PARTICIPATING COMMUNITY) INELIGIBLE PROPERTY...........................................GR 6-7 INFLATION FACTOR........................................GR 9, REN 1 INSECT SCREENING (BELOW LOWEST ELEVATED FLOOR) ........................................ RATE 7, 20, CONDO 19 L LAPSE IN COVERAGE............................................REN 1-2 LATTICE (BELOW LOWEST ELEVATED FLOOR)............... RATE 7, 20, 46, CONDO 19 LETTER OF DETERMINATION REVIEW (LODR) ................ CN 5, DEF 5 LETTER OF MAP AMENDMENT (LOMA) .........PRP 2, END 2, CN 1, 5-6, 6-7, MAP 3, DEF 5 IND 2 October 1, 2005 LETTER OF MAP REVISION (LOMR).........PRP 2, END 2, CN 1, 5-6, 6-7, MAP 3, DEF 5 LOSS HISTORY................................................ PRP 1, RL 1 LOSS INPROGRESS.................................................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 2-3, APP 1, 4, 7, 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 11 Application Submission ...........................................GR 11 Assignment of Policy...............................................GR 11 Commission, Producer’s .........................................GR 11 Delivery of Policy.....................................................GR 11 Policy Term.............................................................GR 11 MITIGATION ................................................................. RL 1 MODULAR BUILDING.................................................DEF 6 MORTGAGE PORTFOLIO PROTECTION PROGRAM (MPPP).......................GR 2, MPPP 1-6, DEF 6 MORTGAGEE ...............APP 2, RATE 17, PRP 4, MPPP 1-6 MUDFLOW..................................................................DEF 6 MULTI-FAMILY RESIDENCE (DWELLING) (See 2-4 FAMILY RESIDENCE [DWELLING]) 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, CL 1, 2, RL 1, DEF 6 NFIP CONTACT INFORMATION .............................REF 3-6 NFIP SERVICING AGENT..................REF 2, 3, RL 1, DEF 6 NFIP SPECIAL DIRECT FACILITY (SDF) ..................REF 2, RL 1, DEF 6 NON-PARTICIPATING COMMUNITY ...........................GR 1 NON-PAYMENT.........................................................CN 2-3 NON-RESIDENTIAL........GR 5, 7, CONDO 2, PRP 3, DEF 6 NOTICE OF LOSS ........................................................ CL 1 NULLIFICATION (See CANCELLATION/NULLIFICATION) O OCCUPANCY CLASSIFICATION...................GR 4-5, APP 3 OTHER INSURANCE.....................................MPPP 6, CN 2 OTHER RESIDENTIAL......................................GR 5, DEF 6 OTHERWISE PROTECTEDAREAS.....................CBRS 1- 2 OUT-AS-SHOWN DETERMINATION CN 3, MAP 3, DEF 6- 7 OVER WATER ..........................................................GR 3, 6 P PAPERWORK BURDEN DISCLOSURE NOTICE .......................................................REF 7, APP 11 PARTICIPATING COMMUNITY........................GR 1, DEF 7 PHYSICAL MAP REVISION (PMR).............................MAP 3 POLICIES AVAILABLE .............................................. GR 1- 2 POLICY ...................................................................... DEF 7 POLICY RENEWALS..........GR 9, PRP 2, MPPP 5, REN 1- 8 Credit Card Payment Form ................................. REN 1, 8 Endorsements During Renewal Cycle.....................REN 2 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- 5 Repetitive Loss Target Group Policies ........REN 2, RL 1- 5 Waiting Period .................................................... REN 1, 2 POLICY TERM.................. GR 11, APP 1-2, PRP 4, 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 1-7, DEF 7 Completing PRP Application Form....................... PRP 4- 5 Conversion of Standard Rated Policy to PRP Due to Map Revision, LOMA, or LOMR............................ PRP 4 Conversion of Standard Rated Policy to PRP Due to Misrating............................................................... PRP 2 Coverage Limits...................................................... PRP 2 Coverage/Premium Tables ..................................... PRP 3 Deductibles............................................................. PRP 2 Discounts/Fees/ICC Premium.................................PRP 2 Documentation ....................................................... PRP 2 Eligibility Requirements ...................................... PRP 1, 3 Endorsements ........................................................ PRP 2 General Description................................................PRP 1 PRP Form............................................................ PRP 6- 7 Renewal ................................................................. PRP 2 Replacement Cost Coverage..................................PRP 2 PREMIUM..........................................................RATE 16-17 Credit Card Payment .......................... APP 6, 7, REN 1, 8 Credit Card Payment Form.................................REN 1, 8 Premium Calculation...................................... RATE 16-17 Premium Discounts.................................................CRS 1 Premium Payment ........................ APP 6, 7, RATE 16-17, CONDO 9, PRP 5, 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 (PREMIUM) ....GR 1, RATE 12, DEF 7 PROGRAM COORDINATOR, WYO............................ REF 2 PROOF OF INSURANCE ............................................. GR 7 PROOF OF LOSS..........................................................CL 1 PROPER OPENINGS (FLOOD VENTS).............................. . LFG 1, 2, 3, 5, 7, DEF 7 PROPERTY LOCATION ...............APP 2-3, PRP 4-5, END 3 PROPERTY REMOVED TO SAFETY EXPENSE ....... DEF 7 PROVISIONAL RATING .................... GR 10, 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 IND 3 October 1, 2005 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, 32, CONDO 10-22, PRP 3, MPPP 1, PR 3, CRS 1 RATING........................... GR 10, RATE 1-61, CONDO 1-31, CERT 3, 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 10, RATE 17 Condominiums.............................................CONDO 1-31 Contents Location ..........................................RATE 25-28 Crawl Space........................................................RATE 24 Deductibles.................................RATE 12, 13, CONDO 7 Effect of Map Revisions on Rates...................RATE 21-23 Elevation Difference .......................................RATE 17-19 FIRMs with Wave Heights ..............................RATE 29-30 Flood Map “Grandfathering” .. RATE 21-23, PRP 1, DEF 4 Floodproofed Buildings...................................RATE 30-31 Key Points for Rating...........................................RATE 17 Optional Elevation Rating .......................RATE 19, LFG 2 Premium Calculation ......................................RATE 16-17 Provisional Rates...........................GR10, PR 1-5, DEF 7 Rate Reduction ...................................................... END 1 Rate Tables..........RATE 1-14, 32, CONDO 10-22, PRP 3, MPPP 1,PR 3, CRS 1 Rating Error......................................................... END 1-2 Rating Examples...............RATE 17-19, 22-23, 29, 47-61, CONDO 23-31, END 5-12, PR 4 Rating Steps ..................................................RATE 15-16 Re-Rating............................................................RATE 23 Submit-for-Rate..................... GR 10, RATE 23-24, DEF 9 Tentative Rates.........GR 10, RATE 21, CONDO 7, DEF 9 V-Zone Optional Rating.......................................RATE 23 V-Zone Risk Factor Rating Form....................RATE 31-46 RCBAP (See RESIDENTIAL CONDOMINIUM BUILDING ASSOCIATION POLICY) RECREATIONAL VEHICLE.........................................DEF 1 REFORMATION.................................GR 10, 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 4, 10, REN 2, RL 1-5, DEF 8 REPETITIVE LOSS TARGET GROUP .............. RL 1, DEF 8 REPLACEMENT COST...................APP 4, RATE 20-21, 30, CONDO 7, 8, PRP 2, 5, DEF 8 RESIDENTIAL.......................... GR 4-5, CONDO 1-2, PRP 3 RESIDENTIAL BASEMENT FLOODPROOFING CERTIFICATE.....................................................CERT 5-6 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 BuildingType................................................CONDO 6, 8 Cancellation or Endorsement of Existing Unit Owners’ Dwelling Policies........................CONDO 8 Coinsurance ..................................................... CONDO 7 Commission, Producer’s................................... CONDO 7 Coverage, Building ........................................... CONDO 8 Coverage, Contents.......................................... CONDO 9 Coverage Limits...................................... CONDO 6-7, 8- 9 Deductibles................................................. CONDO 7, 22 Determining Rates and Fees ............................ CONDO 9 Eligibility Requirements .................................... CONDO 6 Federal Policy Fee............................................ CONDO 7 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 7 ROWHOUSES/TOWNHOUSES ............... CONDO 6, PRP 2 S SCHEDULED BUILDING POLICY ................... GR 2, APP 1, CONDO 7, DEF 8 SCREENING, INSECT (BELOW LOWEST ELEVATED FLOOR) ........................................ RATE 7, 20, CONDO 19 SECTION 1316.................................................GR 6, DEF 8 SEPARATE BUILDING (See SINGLE BUILDING) SFIP (See STANDARD FLOOD INSURANCE POLICY) SHEAR WALLS ................................................ GR 4, DEF 8 SHEET FLOW HAZARD ............................................. DEF 8 SILOS ....................................................................... GR 3, 5 SINGLE ADJUSTER PROGRAM....................CL 1-2, DEF 8 SINGLE BUILDING...........................................GR 4, DEF 8 SINGLE-FAMILY RESIDENCE (DWELLING)........... GR 4-5, DEF 8 SLATS OR SHUTTERS (BELOW LOWEST ELEVATED FLOOR) ........................................ RATE 7, 20, CONDO 19 SOLID PERIMETER FOUNDATION WALLS ............... GR 4, RATE 20, DEF 8 SPECIAL CERTIFICATIONS...............................CERT 1-19 SPECIAL DIRECT FACILITY (See NFIP SPECIAL DIRECT FACILITY) SPECIAL FLOOD HAZARD AREA (SFHA).....MAP 2, DEF 8 SPECIAL RATINGSITUATIONS...........GR 10, RATE 21-24 Alternative Rates ................................................ RATE 21 Buildings in More Than One Flood Zone...........................................GR 10, RATE 17 Crawl Space.......................................................RATE 24 Map “Grandfather” Rules: Effect of Map Revisions on Rates......................................................RATE 21-23 Policies Requiring Re-Rating .............................. RATE 23 Post-’81 V Zone Optional Rating......................... RATE 23 Provisional Rates........................................ GR 10, DEF 7 Submit-for-Rate.....................GR 10, RATE 23-24, DEF 9 Tentative Rates ........ GR 10, RATE 21, CONDO 7, 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 IND 4 October 1, 2005 STOCK........................................................................DEF 9 SUBMIT-FOR-RATE.................. GR 10, RATE 23-24, DEF 9 SUBSTANTIAL DAMAGE............ GR 9-10, RATE 16, DEF 9 SUBSTANTIAL IMPROVEMENT................................APP 5, RATE 15-16, DEF 9 SUSPENSION...................................................GR 1, DEF 9 T TECHNICAL ASSISTANCE.........................................REF 2 TELEPHONE NUMBERS .........................................REF 3-6 TENTATIVE RATES......GR 10, RATE 21, CONDO 7, DEF 9 TIMESHARES ...............................................................GR 5 TOWNHOUSES/ROWHOUSES................CONDO 6, PRP 2 TRANSFER OF TITLE.................................................GR 11 TRAVEL TRAILERS (See MANUFACTURED [MOBILE] HOMES/TRAVEL TRAILERS) 2-4 FAMILY RESIDENCE (DWELLING) ............GR 5, 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 5 V-ZONE OPTIONAL RATING ................................. RATE 23 V-ZONE RISK FACTOR RATING FORM...........RATE 31-46 W WAITING PERIOD.....................GR 7-9, MPPP 4, REN 1, 2, PR 1, DEF 10 WALLED AND ROOFED................................. GR 2, DEF 10 WALLS ............................. GR 4, RATE 20, LFG 2, 3, DEF 8 Breakaway Walls .......... GR 4, RATE 20, LFG 2, 3, DEF 1 Common Interior Walls ............................................. GR 4 Shear Walls .................................................. GR 4, DEF 8 Solid Perimeter Foundation Walls............GR 4, RATE 20, LFG 7, DEF 8 WAVE HEIGHT........................APP 6, RATE 29-30, DEF 10 Calculating Wave Height Adjustment .... RATE 29, DEF 10 WHOLE DOLLAR PREMIUM..................................RATE 17 WIND LOSSES...........................................................CL 1-2 WRITE YOUR OWN (WYO) PROGRAM.... REF 1-2, DEF 10 Z ZONE (See also Map Zones under FLOOD MAPS)...MAP 2, DEF 10 IND 5 October 1, 2005