July 2011 

 Dear NFIP Flood Insurance Manual Subscriber: 

 Revisions have been made to the NFIP Flood Insurance Manual that will become effective October 1, 
2011. All of the changes are shown on the enclosed amended pages, and related footers have been 
modified to reflect the October 1, 2011, effective date. Significant revisions include the following: 

 • Building Occupancy classification updates (GR, APP, PRP, and DEF Sections). 
• Improvements and Betterments coverage clarification (GR Section). 
• Rate increases for policies written or renewed on or after October 1, 2011 (RATE, CONDO, 
MPPP, PR, and LFP Sections). 
• New elevation rating requirement for new business applications for policies covering Post-FIRM 
buildings in AH, AO, and Unnumbered A Zones (RATE and CONDO Sections). 
• Clarification that individual non-residential unit owners may not purchase building coverage but 
may purchase contents coverage (GR and CONDO Sections). 
• Further clarification about attached garages for single-family non-elevated buildings; inclusion of 
additional building drawings (LFG Section). 
• Explanation of optional reduction of coverage when converting a PRP issued in error to a 
standard-rated policy (PRP Section). 
• Updates to years of refund eligibility and receipt date requirements (CN Section). 
• Updated documentation requirements for buildings in CBRS areas or OPAs (CBRS Section). 
• Community Rating System Eligible Communities list updates (CRS Section). 
• Updated sample letters for policyholders, agents, and lenders (SRL Section). 
• New definitions for foundation walls and masonry walls (DEF Section). 

Thank you for your continued support of the NFIP. 

 Sincerely, 

Edward L. Connor 
Deputy Administrator, Insurance 
Federal Insurance and Mitigation Administration 
Enclosure 


Change Record Page 

Effective Date: October 1, 2011 

 

 

 

 

Updates to the NFIP Flood Insurance Manual are distributed semiannually. Each change is 
highlighted by a vertical bar in the margin of the page. The effective date of each page is shown 
in the bottom right corner. Pages bearing the new effective date but no change bar simply indicate 
that text has shifted from one page to another. 

 

Please keep this Change Record Page in your manual for reference. 

 

 
Remove 

i–ii, v–x 

REF 1–6 

GR 3–8, 11–15 

APP 3–6 

RATE 1–14, 17–20, 23–28, 49–61 

CONDO 1–20, 23–31 

LFG 1–4, 9–69 

CERT 1–4 

PRP 1–12 

MPPP 1–4 

END 5–12 

REN 1–8 

CN 3–8 

MAP 3–4 

PR 1–5 

CBRS 1–2 

CRS 3–30 

SRL 1–13 

LFP 1–2 

DEF 1–9 

IND 1–5 


Insert 

i–ii, v–x 

REF 1–6 

GR 3–8, 11–15 

APP 3–6 

RATE 1–14, 17–20, 23–28, 49–61 

CONDO 1–20, 23–31 

LFG 1–4, 9–84 

CERT 1–4 

PRP 1–12 

MPPP 1–5 

END 5–12 

REN 1–8 

CN 3–8 

MAP 3–4 

PR 1–5 

CBRS 1–2 

CRS 3–30 

SRL 1–13 

LFP 1–2 

DEF 1–9 

IND 1–5 

 

 

October 1, 2011 
NFIP Flood Insurance Manual Table of CONTENTS 
section PAGE 

REFERENCE. REF 1 
I. INTRODUCTION TO THE NATIONAL FLOOD INSURANCE PROGRAM. . REF 1 
II. THE WRITE YOUR OWN PROGRAM . . REF 1 
III. TECHNICAL ASSISTANCE. . REF 1 
A. WYO Companies. . REF 2 
B. NFIP Servicing Agent (NFIP Direct) . . REF 2 
C. Special Direct Facility. . REF 2 
IV. Contact Information . . REF 2 
A. NFIP Servicing Agent Contact Information for Nfip Direct Program Agents. . REF 2 
B. NFIP General Contact Information for All Nfip Stakeholders. . REF 3 
C. National Flood Insurance Program Bureau and Statistical Agent Regional Offices. . REF 4 
PAPERWORK BURDEN DISCLOSURE NOTICE. . REF 6 
GENERAL RULE S. GR 1 
I. COMMUNITY ELIGIBILITY. . GR 1 
A. Participating (Eligible) Communities . . GR 1 
B. Emergency Program. . GR 1 
C. Regular Program. . GR 1 
D. Maps . . GR 1 
E. Probation . . GR 1 
F. Suspension. . GR 1 
G. Non-Participating (Ineligible) Communities. . GR 1 
H. Coastal Barrier Resources Act. . GR 1 
I. Federal Land . . GR 1 
II. POLICIES AND PRODUCTS AVAILABLE. . GR 1 
A. Standard Flood Insurance Policy. . GR 1 
B. Insurance Products. . GR 3 
III. BUILDING PROPERTY ELIGIBILITY . . GR 3 
A. Eligible Buildings. . GR 3 
B. Single Building . . GR 5 
C. Walls . . GR 5 
D. Determination of Building Occupancy . . GR 5 
IV. CONTENTS ELIGIBILITY . . GR 6 
A. Eligible Contents. . GR 6 
B. Vehicles and Equipment. . GR 6 
C. Silos, Grain Storage Buildings, and Cisterns. . GR 6 
D. Commercial Contents Coverage. . GR 6 
V. EXAMPLES OF ELIGIBLE RISKS. . GR 6 
A. Building Coverage. . GR 6 
B. Contents Coverage . . GR 6 
C. Condominiums . . GR 7
Table of CONTENTS (continued) 
section PAGE 
ii October 1, 2011 
VI. INELIGIBLE PROPERTY. . GR 7 
A. Buildings. . GR 7 
B. Container-Type Buildings . . GR 7 
C. Buildings Entirely Over Water . . GR 7 
D. Buildings Partially Underground . . GR 7 
E. Basement/Elevated Building Enclosures. . GR 7 
VII. EXAMPLES OF INELIGIBLE RISKS. . GR 7 
A. Building Coverage. . GR 7 
B. Contents Coverage . . GR 7 
C. Non-Residential Condominium Unit. . GR 8 
VIII. POLICY EFFECTIVE DATE. . GR 8 
A. Receipt Date (in the determination of the effective date). . GR 8 
B. Presentment of Premium Date Requirements for Loan Closing. . GR 8 
C. Effective Date. . GR 8 
IX. COVERAGE . . GR 11 
A. Limits of Coverage. . GR 11 
B. Deductibles. . GR 11 
C. Coverage D – Increased Cost of Compliance (ICC) Coverage. . GR 11 
D. Reduction of Coverage Limits or Reformation . . GR 12 
E. Loss Assessments . . GR 12 
F. Improvements and Betterments (Tenant’s Coverage). . GR 13 
G. Coverage for Building Items Under the Condominium Unit-Owners’ Contents Coverage . . GR 13 
X. SPECIAL RATING SITUATIONS. . GR 13 
A. Tentative Rates. . GR 13 
B. Submit-for-Rate. . GR 14 
C. Provisional Rates. . GR 14 
D. Buildings in More Than 1 Flood Zone/BFE. . GR 14 
E. Different BFEs Reported . . GR 14 
F. Flood Zone Discrepancies . . GR 14 
XI. MISCELLANEOUS. . GR 14 
A. Policy Term. . GR 14 
B. Application Submission. . GR 14 
C. Delivery of the Policy. . GR 14 
D. Evidence of Insurance. . GR 15 
E. Assignment. . GR 15 
F. Transfer of Business. . GR 15 
G. Agents’/Producers’ Commissions (NFIP Direct Business Only) . . GR 15 
H. Contract Agent Rule. . GR 15 
APPLICATION. A PP 1 
I. USE OF THE FORM. . APP 1 
II. COMPLETING PART 1 OF THE FLOOD INSURANCE APPLICATION FORM. . APP 1 
A. Policy Status. . APP 1 
B. Policy Term. . APP 1 
C. Agent Information . . APP 1 
D. Insured Mailing Address. . APP 1 
E. Disaster Assistance. . APP 1 
F. Property Location . . APP 2 
G. Mortgagee . . APP 2 
GENERAL RULE S (continued)
 v October 1, 2011 
Table of CONTENTS (continued) 
section PAGE 
C. Replacement Cost. . CONDO 6 
D. Coinsurance. . CONDO 6 
E. Assessment Coverage. . CONDO 6 
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 UNIT OWNERS’ DWELLING POLICIES. . CONDO 7 
IX. APPLICATION FORM. . CONDO 7 
A. Type of Building. . CONDO 7 
B. Replacement Cost Value . . CONDO 8 
C. Coverage. . CONDO 8 
D. Rates and Fees. . CONDO 8 
X. CONDOMINIUM RATING EXAMPLES . . CONDO 23 
LO WEST FLOR GUIDE . LF G 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 3 
A. Mandatory Use of Elevation Certificate. . LFG 3 
B. Optional Rating Using the Elevation Certificate . . LFG 3 
C. Guidelines for Determining the Conversion from NGVD 1929 to NAVD 1988. . LFG 3 
III. SPECIFIC BUILDING DRAWINGS. . LFG 13 
SPECIAL CER TIFICATIONS. CER T 1 
I. NFIP ELEVATION CERTIFICATE. . CERT 1 
II. PHOTOGRAPH REQUIREMENTS. . CERT 1 
III. USING THE ELEVATION CERTIFICATE: SPECIAL CONSIDERATIONS. . CERT 2 
A. Section A – Property Information . . CERT 2 
B. Section B – Flood Insurance Rate Map (FIRM) Information. . CERT 2 
C. Section C – Building Elevation Information (Survey Required). . CERT 2 
D. Section D – Surveyor, Engineer, or Architect Certification. . CERT 3 
E. Section E – Building Elevation Information (Survey Not Required) for 
Zone AO and Zone A (Without BFE). . CERT 3 
F. Section F – Property Owner (or Owner’s Representative) Certification. . CERT 3 
G. Section G – Community Information (Optional). . CERT 3 
IV. FLOODPROOFING CERTIFICATE. . CERT 3 
A. Purpose and Eligibility . . CERT 3 
B. Specifications. . CERT 3 
C. Rating. . CERT 3 
D. Certification . . CERT 4 
CONDO MINIUMS (continued)
Table of CONTENTS (continued) 
section PAGE 
vi May 1, 2011 
PREFERED R ISK POL ICY. PRP 1 
I. GENERAL DESCRIPTION . . PRP 1 
II. ELIGIBILITY REQUIREMENTS. . PRP 1 
A. Flood Zone. . PRP 1 
B. Occupancy . . PRP 1 
C. Loss History . . PRP 1 
III. INELIGIBILITY . . PRP 2 
IV. DOCUMENTATION . . PRP 2 
V. RENEWAL. . PRP 2 
VI. COVERAGE LIMITATIONS . . PRP 2 
VII. REPLACEMENT COST COVERAGE. . PRP 2 
VIII. DISCOUNTS/FEES/ICC PREMIUM. . PRP 2 
IX. DEDUCTIBLES. . PRP 3 
X. ENDORSEMENTS. . PRP 3 
XI. CONVERSION OF STANDARD-RATED POLICY TO PRP DUE TO MISRATING . . PRP 3 
XII. CONVERSION OF STANDARD-RATED POLICY TO PRP DUE TO THE 2-YEAR PRP 
ELIGIBILITY EXTENSION. . PRP 3 
XIII. CONVERSION OF STANDARD-RATED POLICY TO PRP DUE TO 
MAP REVISION, LOMA, OR LOMR. . PRP 3 
XIV. CONVERSION OF PRP TO STANDARD-RATED POLICY . . PRP 7 
XV. COMPLETING THE FLOOD INSURANCE PREFERRED RISK POLICY APPLICATION. . PRP 7 
A. Policy Status. . PRP 7 
B. Policy Term . . PRP 7 
C. Agent Information . . PRP 7 
D. Insured Mailing Address. . PRP 7 
E. Disaster Assistance. . PRP 7 
F. First Mortgagee. . PRP 8 
G. Second Mortgagee/Other. . PRP 8 
H. Property Location . . PRP 8 
I. Community. . PRP 8 
J. Building . . PRP 9 
K. Notice – Building Eligibility . . PRP 11 
L. Premium . . PRP 11 
M. Signature . . PRP 11 
MOR TGAGE POR TFOL IO PRO TECTION PRO GRA M . MPPP 1 
I. BACKGROUND. . MPPP 1 
II. REQUIREMENTS FOR PARTICIPATING IN THE MPPP. . MPPP 1 
A. General. . MPPP 1 
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
 vii October 1, 2011 
Table of CONTENTS (continued) 
section PAGE 
E. Eligibility. . MPPP 2 
F. Source of Offering. . MPPP 2 
G. Dual Interest. . MPPP 2 
H. Term of Policy. . MPPP 2 
I. Coverage Offered. . MPPP 3 
J. Policy Form. . MPPP 3 
K. Waiting Period. . MPPP 3 
L. Premium Payment. . MPPP 3 
M. Underwriting – Application. . MPPP 3 
N. Rates . . MPPP 3 
O. Policy Declarations Page Notification Requirements. . MPPP 3 
P. Policy Reformation – Policy Correction. . MPPP 4 
Q. Coverage Basis – Actual Cash Value or Replacement Cost . . MPPP 4 
R. Deductible . . MPPP 4 
S. Federal Policy Fee. . MPPP 4 
T. Renewability. . MPPP 4 
U. Cancellations . . MPPP 4 
V. Endorsement. . MPPP 4 
W. Assignment to a Third Party. . MPPP 4 
X. Article XIII – Restriction on Other Flood Insurance. . MPPP 4 
Y. Participating WYO Companies . . MPPP 5 
GENERAL CHANGE E NDOR SEMENT. E ND 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 2 
A. During the Last 90 Days of Policy Term. . END 2 
B. During the 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 
POL ICY RE NEWAL S. RE N 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. Nonrenewal and Cancellation . . REN 1 
III. PREMIUM PAYMENT DUE. . REN 1 
IV. FINAL NOTICE. . REN 2 
MOR TGAGE POR TFOL IO PRO TECTION PRO GRA M (continued)
Table of CONTENTS (continued) 
section PAGE 
viii May 1, 2011 
V. RENEWAL EFFECTIVE DATE DETERMINATION. . REN 2 
VI. INSUFFICIENT RENEWAL INFORMATION. . REN 2 
VII. ENDORSEMENTS DURING RENEWAL CYCLE . . REN 2 
VIII. SEVERE REPETITIVE LOSS PROPERTIES. . REN 2 
IX. Transfer of Busines at Renewal . . REN 2 
CANCELA TION/NUL IFICATION. CN 1 
I. PROCEDURES AND VALID REASONS. . CN 1 
A. Refund Processing Procedures. . CN 1 
B. Valid 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 Mailing 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 
CLA IMS . CL 1 
I. INSURED’S RESPONSIBILITIES. . CL 1 
A. Filing a Claim. . CL 1 
B. Appealing a Claim. . CL 1 
II. AGENT’S/PRODUCER’S RESPONSIBILITIES. . CL 3 
III. SINGLE ADJUSTER PROGRAM IMPLEMENTATION. . CL 3 
A. Schedule and Notification . . CL 3 
B. Training. . CL 4 
C. Agent/Producer Responsibilities. . CL 4 
IV. INCREASED COST OF COMPLIANCE (ICC) CLAIMS. . CL 4 
POL ICY. POL 1 
Dweling form . . POL 3 
General Property form . . POL 25 
Residential Condominium Building Association policy . . POL 45 
POL ICY RE NEWAL S (continued)
Table of CONTENTS (continued) 
section PAGE 
ix October 1, 2011 
FLOD MAPS. MAP 1 
I. OVERVIEW . . MAP 1 
A. Types of Flood Maps. . MAP 1 
B. Map Information . . MAP 1 
C. Communities with Unpublished Maps. . MAP 1 
D. Unmapped Areas in Communities with Maps. . MAP 1 
II. MAP ZONES . . MAP 1 
A. Special Flood Hazard Areas. . MAP 1 
B. Moderate, Minimal Hazard Areas. . MAP 2 
III. LOCATING A SPECIFIC PROPERTY ON A MAP. . MAP 2 
IV. CHANGING OR CORRECTING A FLOOD MAP. . MAP 2 
A. Letter of Map Amendment (LOMA) . . MAP 2 
B. Letter of Map Revision (LOMR). . MAP 3 
C. Physical Map Revision. . MAP 3 
V. ORDERING FLOOD MAPS. . MAP 3 
A. Ordering Instructions . . MAP 3 
B. Prices. . MAP 3 
C. Map Revisions. . MAP 4 
PRO VISIONAL RA TING. PR 1 
I. GENERAL DESCRIPTION. . PR 1 
II. ELIGIBILITY REQUIREMENTS. . PR 1 
III. REFORMATION. . PR 1 
A. Limitations. . PR 1 
B. Endorsement Procedure. . PR 1 
IV. NOTIFICATION REQUIREMENTS. . PR 2 
V. COMPLETING THE PROVISIONAL RATING QUESTIONNAIRE. . PR 2 
A. General Directions. . PR 2 
B. Guidance for Determining Building Elevated on Fill. . PR 2 
VI. PROVISIONAL RATING EXAMPLE. . PR 4 
COA STAL BAR IERE SOUR CES SYSTEM. CBR S 1 
List of Comunities . . CBRS 3 
Comm unity R ating Syst em . CRS 1 
I. GENERAL DESCRIPTION. . CRS 1 
II. ELIGIBILITY. . CRS 1 
III. CLASSIFICATIONS AND DISCOUNTS. . CRS 1 
IV. CRS ACTIVITIES THAT CAN DIRECTLY BENEFIT INSURANCE AGENTS/Producers . . CRS 1 
ELIGIBLE COMMUNITIES. . CRS 3
Table of CONTENTS (continued) 
section PAGE 
x May 1, 2011 
GUIDA NCE FOR SEVERE RE PETITIVE LO SS PRO PER TIES. SRL 1 
I. GENERAL DESCRIPTION. . SRL 1 
II. NOTIFICATION REQUIREMENTS. . SRL 1 
III. DISPUTE RESOLUTION. . SRL 1 
IV. SEVERE REPETITIVE LOSS GRANT PROGRAM . . SRL 2 
GUIDA NCE FOR LEA SED FEDERAL PRO PER TIES. LF P 1 
I. GENERAL DESCRIPTION. . LFP 1 
II. NOTIFICATION REQUIREMENTS. . LFP 1 
III. TENTATIVE RATES . . LFP 1 
IV. APPEALS. . LFP 1 
DEF INITIONS. DEF 1 
INDE X. IND 1



REFERENCE
REF 1 May 1, 2011 
I. INTRODUCTION TO THE NATIONAL FLOOD 
INSURANCE PROGRAM 
The National Flood Insurance Program (NFIP) was 
established by the National Flood Insurance Act 
of 1968. The Act was in response to Congress 
finding that: 
• • Flooding disasters required unforeseen disaster 
relief and placed an increased burden on the 
nation’s resources. 
• • The installation of flood preventive and protective 
measures and other public programs designed to 
reduce losses caused by flood damage had not been 
sufficient to adequately protect against the growing 
exposure to flood losses as a matter of national 
policy. A reasonable method of slowing the risk of 
flood losses would be through a program of flood 
insurance that could complement and encourage 
preventive and protective measures. 
• • Many factors made it uneconomical for private 
insurance industry carriers to make flood insurance 
available to those in need of such protection on 
reasonable terms and conditions. 
• • A program of flood insurance with large-scale 
participation of the Federal Government and the 
maximum extent practicable by the private industry 
was feasible and could be initiated. 
Congress stated that the purpose in passing the Act 
was to: 
• • Authorize a flood insurance program that, over time, 
could be made available across the country through 
the cooperative effort of the Federal Government 
and the private insurance industry. 
• • Provide flexibility in the program so that such flood 
insurance would be based on workable methods 
of pooling risks, minimizing costs, and distributing 
burdens equitably among the general public and 
those who would be protected by flood insurance. 
• • Encourage state and local governments to use wisely 
the lands under their jurisdiction by considering the 
hazards of flood when rendering decisions on the 
future use of such land in order to minimize damage. 
From 1968 until 1979, the NFIP was administered by the 
U.S. Department of Housing and Urban Development. 
When the Federal Emergency Management Agency 
(FEMA) was established in 1979, administration of 
the NFIP was transferred to that agency. In March 
2003, FEMA became part of the newly created U.S. 
Department of Homeland Security. 
The NFIP is a program in which communities formally 
agree, as evidenced by their adoption of codes and 
ordinances, to regulate the use of their floodprone 
lands. In return, FEMA makes flood insurance coverage 
available on buildings and their contents throughout 
the community. FEMA has traditionally identified 
these flood hazard areas on maps that are provided 
to communities for carrying out their responsibilities. 
The maps are also used by insurance agents/ 
producers to determine rates and by lenders to 
determine purchase requirements. 
II. THE WRITE YOUR OWN PROGRAM 
The Write Your Own (WYO) Program, begun in 1983, 
is a cooperative arrangement between FEMA and the 
private insurance industry. The WYO Program operates 
within the context of the NFIP and is subject to its rules 
and regulations. WYO allows participating property 
and casualty insurance companies to write and 
service Federal flood insurance in their own names. 
The companies receive an expense allowance for 
policies written and claims processed while the Federal 
Government retains responsibility for underwriting 
losses. Individual WYO Companies may, to the extent 
possible, and consistent with Program rules and 
regulations, match their flood business to their normal 
business practices for other lines of insurance. Many 
agents/producers have elected to move or place their 
flood policies with 1 or more of the WYO Companies 
they represent. 
In brief, the agent/producer has these options: 
• • Place all business with 1 or more WYO Companies; 
• • Place business with both the NFIP directly and with 1 
or more WYO Companies; or 
• • Place all flood insurance directly with the NFIP 
(referred to as “NFIP Direct business”). 
The goals of the Program are to increase the 
policy base, improve services, and involve the 
insurance companies. 
III. TECHNICAL ASSISTANCE 
In order to provide the most efficient service to 
policyholders, follow these procedures when requesting 
technical assistance in connection with the sale and 
servicing of Standard Flood Insurance Policies. It is 
essential that all parties – WYO Companies, the NFIP 
Bureau and Statistical Agent (NFIP Bureau), the NFIP 
Servicing Agent, insurance agents/producers, and 
adjusters – comply. 

REF 2 October 1, 2011
A. WYO Companies
Agents/producers and adjusters servicing flood
insurance business through a WYO Company should
direct questions and requests for technical assistance
to the company itself. If the WYO Company needs
technical assistance, it will contact its NFIP Bureau
business consultant. If the business consultant, with
the assistance of technical experts, cannot provide
the needed assistance, the NFIP Bureau will direct the
inquiry to FEMA for an answer.
B. NFIP Servicing Agent (NFIP Direct)
Agents/producers and adjusters servicing flood
insurance business through the NFIP Servicing Agent
should contact the NFIP Servicing Agent for answers
to technical questions or the resolution of technical
problems connected with the NFIP. If the NFIP Servicing
Agent cannot provide the needed assistance, it will
contact FEMA for an answer.
C. Special Direct Facility
Agents/producers and adjusters servicing flood
insurance policies identified as Severe Repetitive
Loss (SRL) properties should contact the Special
Direct Facility established by the NFIP Servicing Agent
for technical assistance. See the Severe Repetitive
Loss section of this manual for more information.
IV. Contact Information A. NFIP Servicing Agent Contact Information for Nfip Direct Program Agents
The contact information below is for use only by agents/producers who write with the NFIP Direct Program – the
NFIP Servicing Agent.
Agents/producers who write with the NFIP WYO Program must submit materials and questions to their respective
WYO Companies.
CORRESPONDENCE TYPE MAILING ADDRESS TELEPHONE & FAX NUMBERS*
••Applications
(not Submit-for-Rate)
NFIP Servicing Agent
P.O. Box 29138
Shawnee Mission, KS 66201-9138
Phone 1-800-638-6620
Fax 1-800-742-3148
••Endorsements
••Cancellations
NFIP Servicing Agent
P.O. Box 2992
Shawnee Mission, KS 66201-1392
Phone 1-800-638-6620
Fax 1-800-742-3148
••Submit-for-Rate Applications
(see the Rating section)
••Underpayment Letters
••Underwriting Inquiries and Issues
••All Other Inquiries
NFIP Servicing Agent
P.O. Box 2965
Shawnee Mission, KS 66201-1365
Phone 1-800-638-6620
Fax 1-800-742-3148
••Severe Repetitive Loss (SRL) Properties NFIP Special Direct Facility
P.O. Box 29524
Shawnee Mission, KS 66201-5524
Phone 1-800-638-6620
Fax 1-800-742-3148
••Renewal Notices
(with premium payments)
••Expiration Notices
(with premium payments)
National Flood Insurance Program
P.O. Box 790348
St. Louis, MO 63179-0348
Phone 1-800-638-6620
Fax 1-800-742-3148
••Notices of Loss
••Written Claims Inquiries
••All Other Claims Correspondence
NFIP Servicing Agent
P.O. Box 2966
Shawnee Mission, KS 66201-1366
Phone 1-800-767-4341
Fax 1-800-767-5574
••Overnight Express Deliveries
••Certified Mail
NFIP Servicing Agent
c/o CSC Covansys
13401 W. 98th St.
Lenexa, KS 66215
N/A
*Telecommunication Device for the Deaf (TDD): 1-800-447-9487

REF 3 October 1, 2011
B. NFIP General Contact Information for All Nfip Stakeholders
TOPIC MAIL, EMAIL & WEBSITE ADDRESSES
TELEPHONE &
FAX NUMBERS*
Agent Referral Program
••I nformation & Sign-up Form
https://agents.floodsmart.gov Phone 1-888-786-7693
CBRS Areas – Map Panel Listing http://www.fema.gov/business/nfip/cbrs/cbrs.shtm N/A
Community Status Book
(order hardcopy or CD-ROM, or
download PDF)
FEMA Map Service Center
P.O. Box 1038
Jessup, MD 20794-1038
http://www.fema.gov/fema/csb.shtm
FEMA Map Information
eXchange (FMIX)
Phone 1-877-336-2627
(1-877-FEMA-MAP)
Fax 1-800-358-9620
FEMA Information Resource
Library, Multimedia
http://www.fema.gov/library/index.jsp
N/A
NFIP Flood Insurance Manual
(order hardcopy or CD-ROM, or
download PDF)
FEMA Map Service Center
P.O. Box 1038
Jessup, MD 20794-1038
http://www.fema.gov/business/nfip/manual.shtm
FEMA Map Information
eXchange (FMIX)
Phone 1-877-336-2627
(1-877-FEMA-MAP)
Fax 1-800-358-9620
Flood Map Information from FEMA
Map Specialists on:
••Letters of Map Change
••Other Technical Issues
FEMA Map Information eXchange (FMIX)
847 S. Pickett St.
Alexandria, VA 22304
femamapspecialist@riskmapcds.com
Phone 1-877-336-2627
(1-877-FEMA-MAP)
Flood Maps, Flood Insurance Studies,
and Q3 Data (order hardcopy or
CD-ROM)
FEMA Map Service Center
P.O. Box 1038
Jessup, MD 20794-1038
http://msc.fema.gov
FEMA Map Information
eXchange (FMIX)
Phone 1-877-336-2627
(1-877-FEMA-MAP)
Fax 1-800-358-9620
Flood Zone Determination Companies,
List of
http://www.fema.gov/business/nfip/fzone1.shtm
N/A
General Information for
•• Agents & Consumers
http://www.floodsmart.gov/floodsmart/pages/index.jsp
N/A
Supply Order Forms
(bulk hardcopy orders):
••Claims & Underwriting
••Public Awareness Materials
FEMA Distribution Center
P.O. Box 2012
Jessup, MD 20794-2012
Phone 1-800-480-2520
Fax 1-301-362-5335
Training on Flood Insurance http://www.fema.gov/business/nfip/wshops.shtm;
http://www.fema.gov/business/nfip/trainagt.shtm N/A
Watermark & eWatermark Newsletters http://www.fema.gov/business/nfip/wm.shtm;
http://www.nfipiservice.com/watermark/index.html
N/A
Write Your Own (WYO) Companies,
List of
http://www.fema.gov/library/viewRecord.do?id=4063 Phone 1-800-480-2520
(Ask for item F-073, “The
Choice Is Yours”)
Write Your Own (WYO) Companies
Writing MPPP, List of
http://www.fema.gov/nfipInsurance/search.
do?action=Search&state=mppp
N/A
*Telecommunication Device for the Deaf (TDD): 1-800-447-9487

REF 4 October 1, 2011
C. National Flood Insurance Program Bureau and Statistical Agent Regional Offices
The NFIP Bureau and Statistical Agent operates a network of regional offices within the continental United States.
The regional staff may be able to assist with problems and answer questions of a general nature. However, the
regional offices do not handle processing, nor do they have policy files at their locations.
The latest contact information for both NFIP Bureau and FEMA regional offices is available at http://www.fema.
gov/about/contact/regions.shtm.
NFIP BUREAU AND STATISTICAL AGENT
REGIONAL OFFICES
NFIP BUREAU AND STATISTICAL
AGENT REGIONAL STAFF SERVICE AREA
iService Headquarters
8400 Corporate Dr., Suite 350
Landover, MD 20785
Phone: 267-560-5057
Fax: 267-560-5057
Walter McGuckin
Regional Support Lead
Cell: 301-467-8103
wmcguckin@ostglobal.com
Entire Country
Region I
P.O. Box 2156
Merrimack, NH 03054
Phone: 603-423-0470
Fax: 603-423-0395
Robert Desaulniers
Regional Manager
Cell: 713-252-6779
rdesaulniers@ostglobal.com
Connecticut, Maine,
Massachusetts, New Hampshire,
Rhode Island, Vermont
Region II
P.O. Box 7342
Penndel, PA 19047
Phone: 267-560-5057
Fax: 267-560-5057
Walter McGuckin
Regional Support Lead
Cell: 301-467-8103
wmcguckin@ostglobal.com
New Jersey, New York, Puerto Rico,
Virgin Islands
Region III
HC 87 Box 36
Pocono Lake, PA 18347
Phone: 570-643-6582
Fax: 570-643-6582
Tom Kustelski
Regional Manager
Cell: 816-509-1949
tkustelski@ostglobal.com
Delaware, District of Columbia,
Maryland, Pennsylvania, Virginia,
West Virginia
Region IV
P.O. Box 1046
Zephyrhills, FL 33539-1046
Phone: 813-788-2624
Fax: 813-788-2710
Lynne Magel
Regional Manager
Cell: 813-404-8782
lmagel@ostglobal.com
Alabama, Florida, Georgia,
Kentucky, Mississippi, North
Carolina, South Carolina,
Tennessee
P.O. Box 10
Buford, GA 30515
Phone: 770-614-0865
David Clukie
Regional Liaison
Cell: 813-767-5355
dclukie@ostglobal.com
Alabama, Florida, Georgia,
Kentucky, Mississippi, North
Carolina, South Carolina,
Tennessee
Region V
100 S. Wacker Dr., Suite 500
Chicago, IL 60606
Phone: 312-596-6728
Fax: 312-939-4198
Rich Roths
Regional Manager
Cell: 630-309-0384
rroths@ostglobal.com
Illinois, Indiana, Michigan,
Minnesota, Ohio, Wisconsin

REF 5 October 1, 2011
NFIP BUREAU AND STATISTICAL AGENT
REGIONAL OFFICES
NFIP BUREAU AND STATISTICAL
AGENT REGIONAL STAFF SERVICE AREA
Region VI
P.O. Box 1536
Frisco, TX 75034
Phone: 214-618-1092
Fax: 214-618-1092
Mark Lujan
Regional Manager
Cell: 425-417-3159
mlujan@ostglobal.com
Arkansas, Louisiana, New Mexico,
Oklahoma, Texas
Region VII
P.O. Box 252
Louisburg, KS 66053
Phone: 913-837-5220
Fax: 913-837-5220
Ally Bishop
Regional Manager
Cell: 202-486-2738
abishop@ostglobal.com
Iowa, Kansas, Missouri, Nebraska
Region VIII
999 18th St., Suite 900
Denver, CO 80202
Phone: 303-299-7873
Fax: 303-293-8585
Erin May
Regional Manager
Cell: 303-550-3658
emay@ostglobal.com
Colorado, Montana, North Dakota,
South Dakota, Utah, Wyoming
Region IX
P.O. Box 492
West Sacramento, CA 95691
Phone: 301-467-7291
Fax: 916-375-0927
Adam Lizarraga
Regional Manager
Cell: 301-467-7291
alizarraga@ostglobal.com
American Samoa, Arizona,
California, Guam, Hawaii, Mariana
Islands, Marshall Islands,
Micronesia, Nevada, Palau
Region X
9300 50th Ave. NE
Marysville, WA 98270
Phone: 360-658-8188
Fax: 360-658-8188
Kristin Minich
Regional Manager
Cell: 830-265-7796
kminich@ostglobal.com
Alaska, Idaho, Oregon, Washington

REF 6 May 1, 2011 
PAPERWORK BURDEN DISCLOSURE NOTICE 
GENERAL – This information is provided pursuant to Public Law 96-511 (Paperwork Reduction Act of 1980, as 
amended), dated December 11, 1980, to allow the public to participate more fully and meaningfully in the Federal 
paperwork review process. 
AUTHORITY – Public Law 96-511, amended; 44 U.S.C. 3507; and 5 CFR 1320 
DISCLOSURE OF BURDEN – Public reporting burden for the collection of information titled “National Flood 
Insurance Program Policy Forms,” is estimated to average 10 minutes per response, excluding the VZone Risk 
Factor Rating Form. The estimated burden includes the time for reviewing instructions, searching existing data 
sources, gathering and maintaining the data needed, and completing and reviewing the forms. Reporting burden 
for these forms, as part of this collection, is listed below. Send comments regarding the burden estimate or any 
aspect of the collection, including suggestions for reducing the burden, to: U.S. Department of Homeland Security, 
Federal Emergency Management Agency, 500 C Street, SW, Washington, DC 20472, Paperwork Reduction Project 
(1660-0006). NOTE: Do not send completed forms to this address. 
PRIVACY ACT – The information requested is necessary to process these forms for flood insurance. The authority 
to collect the information is Title 42, U.S. Code, Sections 4001 to 4028. Furnishing the information is voluntary. It 
will not be disclosed outside the Federal Emergency Management Agency except to the servicing office acting as 
the government’s fiscal agent, to routine users, agents, and mortgagees named on policies. 
FEMA FORM NUMBER T ITLE B URDEN HOURS 
086-0-1 Application for Flood Insurance (New) 12.00 Minutes 
086-0-1 Application for Flood Insurance (Renewal) 7.50 Minutes 
086-0-2 Cancellation/Nullification Request 7.50 Minutes 
086-0-3 General Change Endorsement (w/ and w/o Premium) 9.00 Minutes 
086-0-4 V-Zone Risk Factor Rating 6.50 Hours 
086-0-5 Preferred Risk Policy Application 8.00 Minutes


GR 3 October 1, 2011 
B. Insurance Products 
The following products are available under the SFIP: 
1. Preferred Risk Policy (PRP) 
The PRP is available in moderate-risk flood zones 
B, C, and X. Information about coverage options 
and eligibility requirements for the PRP is provided 
in the PRP section of this manual. 
2. Mortgage Portfolio Protection Program (MPPP) 
The Mortgage Portfolio Protection Program (MPPP) 
offers a force-placed policy available only through 
a Write Your Own (WYO) Company. Additional 
information is provided in the MPPP section of 
this manual. 
3. Scheduled Building Policy 
The Scheduled Building Policy is available to cover 
2 to 10 buildings. The policy requires a specific 
amount of insurance to be designated for each 
building. To qualify, all buildings must have the 
same ownership and the same location. The 
properties on which the buildings are located must 
be contiguous. 
4. Group Flood Insurance 
Group Flood Insurance is issued under 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. The 
Group Flood Insurance Policy cannot be canceled. 
However, an applicant may purchase a regular SFIP 
through the NFIP. When this is done, the group 
flood certificate for the property owner is void, and 
premium will not be refunded. 
III. BUILDING PROPERTY ELIGIBILITY 
A. Eligible Buildings 
Insurance may be written only on a structure with 2 
or more outside rigid walls and a fully secured roof 
that is affixed to a permanent site. Buildings must 
resist flotation, collapse, and lateral movement. 
At least 51% of the Actual Cash Value (ACV) of 
buildings, including machinery and equipment, 
which are a part of the buildings, must be above 
ground level, unless the lowest level is at or 
above the Base Flood Elevation (BFE) and is below 
ground by reason of earth having been used as 
insulation material in conjunction with energyefficient 
building techniques. 
1. Appurtenant Structures 
The only appurtenant structure covered by the 
SFIP is a detached garage at the described 
location, which is covered under the Dwelling 
Form. Coverage is limited to no more than 10% 
of the limit of liability on the dwelling. Use of 
this insurance is at the policyholder’s option but 
reduces the building limit of liability. 
Appurtenant structure coverage does not apply 
to any detached garage used or held for use 
for residential (dwelling), business, or farming 
purposes. 
2. Manufactured (Mobile) Homes/Travel Trailers 
Eligible buildings also include: 
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 
1 or more sections, and affixed to a permanent 
foundation); and 
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. 
NOTE: All references in this manual to 
manufactured (mobile) homes include travel 
trailers without wheels. 
a. Manufactured (Mobile) Homes – New Policies 
Effective on or after October 1, 1982 
To be insurable under the NFIP, a mobile home: 
• • Must be affixed to a permanent foundation. 
A permanent foundation for a manufactured 
(mobile) home may be poured masonry slab 
or foundation walls, or may be piers or block 
supports, either of which support the mobile 
home so that no weight is supported by the 
wheels and axles of the mobile home. 
• • Must be anchored if located in a Special 
Flood Hazard Area (SFHA). For flood insurance 
coverage, all new policies and subsequent 
renewals of those policies must be based 
upon the specific anchoring requirements 
identified below: 
A manufactured (mobile) home located within 
an SFHA 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.

 GR 4 October 1, 2011 
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 procedures in the Rating 
section for insurance on Post-FIRM buildings 
located entirely in, on, or over water or seaward 
of mean high tide. Pre-FIRM buildings constructed 
before October 1, 1982, are eligible for normal 
Pre-FIRM rates. 
If the building was constructed or substantially 
improved on or after October 1, 1982, the building 
is ineligible for coverage. 
Exception: If a building was originally constructed 
on land or partially over water, and later becomes 
entirely over water because of erosion, it is 
eligible for coverage only if the building has had 
continuous coverage: 
• • from the period beginning at least 1 year prior 
to the building being located entirely over water, 
regardless of any changes in the ownership of 
the building; or 
• • from the date of construction if less than 1 year. 
Acceptable documentation of a building’s 
continued eligibility for coverage must include the 
following: 
• • A letter from the community official stating that 
the building originally was constructed on land or 
only partially over water; and 
• • Photographs of the building over land, if available; 
and 
• • The approximate date when the building became 
located entirely over water; and 
• • Proof of continuous flood insurance coverage 
from the period beginning 1 year prior to the 
building being located entirely over water, or 
from the date of construction if less than 1 year. 
6. Buildings Partially Over Water 
Follow Submit-for-Rate procedures 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; and 
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 constructed prior to October 1, 1982, 
may continue to be rated using the published rate. 
8. Buildings in the Course of Construction 
NFIP rules allow for the issuance of an SFIP to cover 
a building in the course of construction before it 

 GR 5 October 1, 2011 
is walled and roofed. These rules provide lenders 
with an option to require flood insurance coverage 
at the time that the development loan is made to 
comply with the mandatory purchase requirement 
outlined in the Flood Disaster Protection Act of 
1973, as amended. The policy is issued and rated 
based on the construction designs and intended 
use of the building. 
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 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. 
To determine the eligibility of a residential 
condominium building under construction, see the 
Condominiums section of this manual. 
9. Severe Repetitive Loss Properties 
These must be processed by the NFIP Special 
Direct Facility. See the Severe 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: 
1. Separated from other buildings by intervening clear 
space; or 
2. Separated into divisions by solid, vertical, loadbearing 
walls; each division may be insured as a 
separate building. 
a. These walls must divide the building from 
its lowest level to its highest ceiling and have 
no openings. 
b. If there is access through the division 
wall by a doorway or other opening, the structure 
must be insured as 1 building unless it meets 
all of the following criteria: 
• • It is a separately titled building contiguous to 
the ground; and 
• • 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 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 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-load-bearing 
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: 
1. Single-Family Dwelling 
This is a residential single-family building, or 
a single-family dwelling unit in a condominium 
building; incidental occupancies are permitted if 

 GR 6 October 1, 2011 
limited to less than 50% of the building’s total 
floor area. 
NOTE: Incidental occupancies are offices, private 
schools, studios, or small service operations 
within a residential building. 
2. 2–4 Family Dwelling 
This is a residential building that contains 
2–4 units. This category includes apartment 
buildings and condominium buildings. Incidental 
occupancies (see note above) are permitted if the 
total area of such occupancies is limited to less 
than 25% of the total floor area within the building. 
This excludes hotels and motels with normal room 
rentals for less than 6 months. 
3. Other Residential Building 
This is a residential building that contains more 
than 4 apartments/units. This category includes 
condominium and apartment buildings as well 
as hotels, motels, tourist homes, and rooming 
houses where the normal occupancy of a guest is 
6 months or more. These buildings are permitted 
incidental occupancies (see note above). The 
total area of incidental occupancy is limited to 
less than 25% of the total floor area within the 
building. Examples of other residential buildings 
include dormitories and assisted-living facilities. 
4. Non-Residential Building (including hotel/motel) 
This is a commercial or non-habitational building, 
or a mixed-use building that does not qualify as a 
residential building. This category includes, but is 
not limited to, small businesses, churches, schools, 
farm buildings (including grain bins and silos), 
garages, poolhouses, clubhouses, recreational 
buildings, mercantile buildings, agricultural 
buildings, industrial buildings, warehouses, nursing 
homes, licensed bed-and-breakfasts, and hotels 
and motels with normal room rentals for less than 
6 months. 
IV. CONTENTS ELIGIBILITY 
A. Eligible Contents 
Contents must be located in a fully enclosed building. 
However, under the Dwelling Form, in a building that 
is not fully enclosed, contents must be secured to 
prevent flotation out of the building. 
B. Vehicles and Equipment 
The NFIP covers self-propelled vehicles or machines, 
provided they are not licensed for use on public roads 
and are: 
1. Used mainly to service the described location; or 
2. Designed and used to assist handicapped persons 
while the vehicles or machines are inside a building at 
the described location. 
C. Silos, Grain Storage Buildings, and Cisterns 
Contents located in silos, grain storage buildings, and 
cisterns are insurable. 
D. Commercial Contents Coverage 
Commercial contents in a residential property must be 
insured on the General Property Form. 
V. EXAMPLES OF ELIGIBLE RISKS 
Examples of eligible risks are provided below. 
A. Building Coverage 
1. Cooperative Building – Entire Building in Name of 
Cooperative (General Property Form) 
Cooperative buildings where at least 75% of the 
area of the building is used for residential purposes 
are considered as residential occupancies, and 
can be insured for a maximum building coverage of 
$250,000 in a Regular Program community under 
the General Property Form. Since they are not in 
the condominium form of ownership, they cannot 
be insured under the RCBAP. 
2. Timeshare Building – Entire Building in Name of 
Corporation (General Property Form) 
Timeshare buildings not in the condominium form 
of ownership where at least 75% of the area of 
the building is used for residential purposes are 
considered as residential occupancies under 
the NFIP, and can be insured for a maximum 
building coverage of $250,000 under the General 
Property Form. 
Timeshare buildings in the condominium form 
of ownership are eligible for coverage and must 
be insured under the RCBAP. These buildings 
are subject to the same eligibility, rating, and 
coverage requirements as other condominiums, 
including the requirement that 75% of the area of 
the building be used for residential purposes. 
B. Contents Coverage 
Parts and equipment as open stock – not part of 
specific vehicle or motorized equipment – are eligible 
for coverage.

 GR 7 October 1, 2011 
C. Condominiums 
Refer to the Condominiums section of this manual. 
VI. INELIGIBLE PROPERTY 
A. Buildings 
Coverage may not be available for buildings that are 
constructed or altered in such a way as to place them 
in violation of state or local floodplain management 
laws, regulations, or ordinances. Contents and 
personal property contained in these buildings are 
ineligible for coverage. 
For example, section 1316 of the National Flood 
Insurance Act of 1968 allows states to declare a 
structure to be in violation of a law, regulation, or 
ordinance. Flood insurance is not available for 
properties that are placed on the 1316 Property 
List. Insurance availability is restored once the 
violation is corrected and the 1316 Declaration has 
been rescinded. 
B. Container-Type Buildings 
Gas and liquid tanks, chemical or reactor container 
tanks or enclosures, brick kilns, and similar units, and 
their contents are ineligible for coverage. 
C. Buildings Entirely Over Water 
Buildings newly constructed or substantially improved 
on or after October 1, 1982, and located entirely in, 
on, or over water or seaward of mean high tide are 
ineligible for coverage. 
D. Buildings Partially Underground 
If 50% or more of the building’s ACV, including the 
machinery and equipment, which are part of the 
building, is below ground level, the building or units 
and their contents are ineligible for coverage unless 
the lowest level is at or above the BFE and is below 
ground by reason of earth having been used as 
insulation material in conjunction with energy-efficient 
building techniques. 
E. Basement/Elevated Building Enclosures 
Certain specific property in basements and under 
elevated floors of buildings is excluded from coverage. 
See the SFIP for specific information. 
VII. EXAMPLES OF INELIGIBLE RISKS 
Some specific examples of ineligible risks are provided 
below. See the policy for a definitive listing of property 
not covered. 
A. Building Coverage 
1. Boat Repair Dock 
2. Boat Storage Over Water 
3. Boathouses (exceptions listed on page GR 4) 
4. Camper 
5. Cooperative Unit within Cooperative Building 
6. Decks (except for steps and landing; maximum 
landing area of 16 sq. ft.) 
7. Drive-In Bank Teller Unit (located outside walls 
of building) 
8. Fuel Pump 
9. Gazebo (unless it qualifies as a building) 
10. Greenhouse (unless it has at least 2 rigid walls 
and a roof) 
11. Hot Tub or Spa (unless it is installed as a 
bathroom fixture) 
12. Open Stadium 
13. Pavilion (unless it qualifies as a building) 
14. Pole Barn (unless it qualifies as a building) 
15. Pumping Station (unless it qualifies as a building) 
16. Storage Tank – Gasoline, water, chemicals, 
sugar, etc. 
17. Swimming Pool Bubble 
18. Swimming Pool (indoor or outdoor) 
19. Tennis Bubble 
20. Tent 
21. Timeshare Unit within Multi-Unit Building 
22. Travel Trailer (unless converted to a permanent onsite 
building meeting the community’s floodplain 
management permit requirements) 
23. Water Treatment Plant (unless at least 51% of its 
ACV is above ground) 
B. Contents Coverage 
1. Automobiles – Including dealer’s stock (assembled 
or not) 
2. Bailee’s Customer Goods – Including garment 
contractors, cleaners, shoe repair shops, 
processors of goods belonging to others, and 
similar risks 
3. Contents Located in a Structure Not Eligible for 
Building Coverage 
4. Contents Located in a Building Not Fully Walled 
and/or Contents Not Secured Against Flotation 
5. Motorcycles – Including dealer’s stock (assembled 
or not) 
6. Motorized Equipment – Including dealer’s stock 
(assembled or not)

 GR 8 October 1, 2011 
C. Non-Residential Condominium Unit 
The owner of a non-residential condominium unit 
cannot purchase building coverage. Contents-only 
coverage may be purchased by the unit owner. 
VIII. POLICY EFFECTIVE DATE 
There is a standard 30-day waiting period for new 
applications and for endorsements to increase 
coverage, with some exceptions as described in 
subsection C. Effective Date. 
NOTE: If a flood that is already in progress began 
before the effective date of the policy, even if the 
actual damage occurs after the policy effective 
date, the loss is not covered. 
A. Receipt Date (in the determination of the 
effective date) 
The effective date is determined based in part upon 
the receipt date as follows: 
1. If the Application or endorsement form and the 
premium payment are received by the insurer 
within 10 days from the date of application or 
endorsement request, or if mailed by certified 
mail within 4 days from the date of application or 
endorsement request, then the effective date will 
be calculated from the application or endorsement 
date. Use the application date or endorsement date 
plus 9 days to determine whether the Application or 
endorsement and premium payment were received 
within 10 days. When sent by certified mail, use 
the application date or endorsement date plus 
3 days to determine whether the Application or 
endorsement and premium payment were mailed 
within 4 days. 
2. If the application or endorsement form and the 
premium payment are received by the insurer after 
10 days from the date of application or endorsement 
request, or are not mailed by certified mail within 4 
days from the date of application or endorsement 
request, then the effective date will be calculated 
from the date the insurer receives the Application 
or endorsement and premium payment. 
As used in VIIl.A.1. and 2. above, the term “certified 
mail” extends to not only the U.S. Postal Service, but 
also certain third-party delivery services. Acceptable 
third-party delivery services include Federal Express 
(FedEx), United Parcel Service (UPS), and courier 
services and the like that provide proof of mailing. 
Third-party delivery is acceptable if the delivery service 
provides documentation of the actual mailing date and 
delivery date to the insurer. Bear in mind that thirdparty 
delivery services deliver to street addresses but 
cannot deliver to U.S. Postal Service post office boxes. 
B. Presentment of Premium Date Requirements for 
Loan Closing 
FEMA requires WYO Companies and the NFIP Servicing 
Agent to record the presentment of premium date, the 
closing date, and the premium payor (insured, lender, 
title company, settlement attorney, etc.). 
Presentment of premium is defined as: 
1. The date of the check or credit card payment by 
the applicant or the applicant’s representative if 
the premium payment is not part of a loan closing. 
2. The date of the closing, if the premium payment is 
part of a loan closing. 
For a loan closing, premium payment from the escrow 
account (lender’s check), title company, or settlement 
attorney is considered made at closing, if the premium 
is received by the writing company within 30 days of 
the closing date. 
NOTE: An agency check may be used if settlement 
paperwork or a photocopy of the original check from 
the lender, title company, or settlement attorney is 
provided as documentation. 
If the premium payment is not part of the closing, the 
closing date is the effective date only if the application 
date is on or before the closing and the Application and 
premium payment are received by the writing company 
within 10 days of the closing date. 
C. Effective Date 
1. New Policy – Standard 30-Day Waiting Period 
The effective date of a new policy will be 12:01 
a.m., local time, on the 30th calendar day after the 
application date and the presentment of premium. 
(Example: a policy applied for on May 3 will become 
effective 12:01 a.m., local time, on June 2.) The 
rules provided in subsection A. Receipt Date must 
be used. 
2. New Policy – No Waiting Period (Loan Transaction) 
Flood insurance that is initially purchased in 
connection with the making, increasing, extending, 
or renewal of a loan shall be effective at the time 
of loan closing, provided that the policy is applied 
for at or before closing. Use the rules below to 
determine the effective date. 
a. Premium payment from the escrow account 
(lender’s check), title company, or settlement 
attorney is considered made at closing if the 
check is received by the writing company within 
30 days of the closing date (closing date plus 29 
days) and the Application is dated on or before 

 GR 11 October 1, 2011 
home equity loan, or refinancing. The increased 
amount of flood coverage shall be effective at the 
time of loan closing, provided that the increased 
amount of coverage is applied for at or before 
closing. The rules provided in subsection A. 
Receipt Date must be used. 
The insurer may rely on an agent’s/producer’s 
representation on the endorsement that the loan 
exception applies unless there is a loss during 
the first 30 days after the endorsement effective 
date. In that case, the insurer must obtain 
documentation of the loan transaction, such as 
settlement papers, before adjusting the loss. 
13. Endorsement – 1-Day Waiting Period (Map Revision) 
The first increase in coverage requested during the 
13-month period beginning on the effective date 
of a map revision shall be effective 12:01 a.m., 
local time, the day after the endorsement date and 
presentment of the additional premium. This rule 
applies only where the FHBM or FIRM is revised to 
show the building to be in an SFHA when it had not 
been in an SFHA. The rules provided in subsection 
A. Receipt Date must be used. 
14. Renewal with Inflation Increase Option 
The 30-day waiting period does not apply when 
an additional amount of insurance is requested 
at renewal time that is no more than the amount 
of increase recommended by the insurer on the 
renewal bill to keep pace with inflation. 
If a revised renewal offer results from an 
endorsement that increases coverage more than 
the previously offered inflation increase option and 
becomes effective at least 30 days before renewal, 
the revised limits will apply at policy renewal. The 
revised renewal offer must be generated at least 
30 days before the policy renewal in order for 
these revised limits to take effect at renewal. 
In either situation, the increased amount of 
coverage will be effective at 12:01 a.m. on the 
date of policy renewal provided the premium for 
the increased coverage is received before the 
expiration of the grace period. 
15. Renewal with Higher PRP Limits 
The 30-day waiting period does not apply to a 
renewal offer to the insured for the next-higher 
limits available under the PRP. 
16. Renewal with Deductible Reduction 
The deductible amount may be reduced at the time 
of renewal. In order for the deductible reduction to 
take effect on the renewal date, the request and 
full premium must be received at least 30 days 
prior to the renewal effective date, except when 
the deductible buyback is part of the renewal offer. 
IX. COVERAGE 
A. Limits of Coverage 
Coverage may be purchased subject to the limits 
available under the Program phase in which the 
community is participating. Duplicate policies are not 
allowed. See the Rating section of this manual for 
additional information regarding coverage limits. 
B. Deductibles 
Deductibles apply separately to building coverage and 
to contents coverage. See the Rating section of this 
manual for deductible options and factors. 
C. Coverage D – Increased Cost of Compliance 
(ICC) Coverage 
The ICC limit of liability is $30,000. The SFIP pays for 
complying with a state or local floodplain management 
law or ordinance affecting repair or reconstruction of a 
structure suffering flood damage. Compliance activities 
eligible for payment are: elevation, floodproofing, 
relocation, or demolition (or any combination of 
these activities) of the insured structure. Eligible 
floodproofing activities are limited to non-residential 
structures and residential structures with basements 
that satisfy FEMA’s standards published in the Code of 
Federal Regulations [44 CFR 60.6 (b) or (c)]. 
ICC coverage is mandatory for all SFIPs, except that 
coverage is not available for: 
1. Policies issued or renewed in the Emergency 
Program. 
2. Condominium units, including townhouse/ 
rowhouse condominium units. (The condominium 
association is responsible for complying with 
mitigation requirements.) 
3. Group Flood Insurance Policies. 
4. Appurtenant structures, unless covered by a 
separate policy. 
ICC coverage contains exclusions in addition to those 
highlighted here. See the policy for a list of exclusions. 
To be eligible for claim payment under ICC, a 
structure must: 
• • Be a repetitive loss structure as defined, for which 
the NFIP paid a previous qualifying claim, in addition 
to the current claim. The state or community must 
have a cumulative, substantial damage provision or 

 GR 12 October 1, 2011 
repetitive loss provision in its floodplain management 
law or ordinance being enforced against the structure; 
or 
• • Be a structure that has sustained substantial 
flood damage. The state or community must have 
a substantial damage provision in its floodplain 
management law or ordinance being enforced 
against the structure. 
The ICC Premium is not eligible for the deductible 
discount. First calculate the deductible discount, then 
add in the ICC Premium for each policy year. 
D. Reduction of Coverage Limits or Reformation 
In the event that the premium payment received is 
not sufficient to purchase the amounts of insurance 
requested, the policy shall be deemed to provide only 
such insurance as can be purchased for the entire 
term of the policy for the amount of premium received. 
With 2 exceptions, where insufficient premium or 
incomplete rating information is discovered after a 
loss, the complete provisions for reduction of coverage 
limits or reformation are described in: 
• • Dwelling Form, section VII, paragraph G. 
• • General Property Form, section VII, paragraph G. 
• • Residential Condominium Building Association Policy 
(RCBAP), section VIII, paragraph G. 
The property must be insured using the correct SFIP 
form in order for these 2 exceptions to apply. 
The 2 exceptions are following and apply only when 
after a loss it is discovered that the premium is 
insufficient to provide the coverage requested, or there 
is critical rating information missing that is necessary 
to properly rate the policy: 
1. Any additional premium due will be calculated 
prospectively from the date of discovery; and 
2. The automatic reduction in policy limits is effective 
the date of discovery. 
This will provide policyholders with the originally 
requested limits at the time of a claim arising before 
the date of discovery without paying any additional 
premium. Policyholders will then have 30 days to pay 
the additional premium that is due for the remainder 
of the policy term, to restore the originally requested 
limits without a waiting period. If additional information 
is needed, policyholders will have 60 days to obtain 
the additional information, and then 30 days to pay 
the additional premium due for the remainder of the 
term, to restore the originally requested limits without 
a waiting period. 
In addition, payment of the claim will not be delayed 
because of additional information needed to calculate 
the correct payment. 
If a claim occurs after the notice requesting additional 
information or additional premium due is sent to the 
policyholder, that claim cannot be processed with the 
originally requested amount of coverage limits until the 
information, if required, and the premium are received 
by the company within the required time. 
However, all claim payments will be based on the 
coverage limitations provided in accordance with the 
correct flood zone for the building location and not on 
the zone shown on the flood policy if it is in error. 
For example, if a policy for a Post-FIRM, elevated 
building is written incorrectly in a non-SFHA (e.g., 
Zone X), and at the time of the loss the property is 
determined to be located in an SFHA (e.g., Zone AE), 
then the claim is paid in accordance with the coverage 
limitations applicable to the SFHA. 
NOTE: When coverage is issued using an incorrect 
SFIP form, the policy is void and the coverage 
must be written under the correct form. The 
provisions of the correct SFIP form apply. The 
coverage limits must be reformed according to 
the provisions of the correct SFIP form and cannot 
exceed the coverage limits originally issued under 
the incorrect policy. 
E. Loss Assessments 
The Dwelling Form provides limited coverage for loss 
assessments against condominium unit owners for 
flood damage to common areas of any building owned 
by the condominium association. The RCBAP and 
General Property Forms do not provide assessment 
coverage. The Dwelling Form provides assessment 
coverage only under the circumstances, and to the 
extents, described below. 
1. No RCBAP 
a. If the unit owner purchases building coverage 
under the Dwelling Form and there is no 
RCBAP, the Dwelling Form responds to a 
loss assessment against the unit owner for 
damages to common areas, up to the building 
coverage limit under the Dwelling Form. 
b. If there is damage to building elements of 
the unit as well, the building coverage limit 
under the Dwelling Form may not be exceeded 
by the combined settlement of unit building 
damages, which would apply first, and the loss 
assessment. 
2. RCBAP Insured to at Least 80% of the Building 
Replacement Cost

 GR 13 October 1, 2011 
a. If the unit owner purchases building coverage 
under the Dwelling Form and there is an 
RCBAP insured to at least 80% of the building 
replacement cost at the time of loss, the loss 
assessment coverage under the Dwelling Form 
will pay that part of a loss that exceeds 80% of 
the association’s building replacement cost. 
b. The loss assessment coverage under the 
Dwelling Form will not cover the association’s 
policy deductible purchased by the 
condominium association. 
c. If there is damage to building elements of the 
unit as well, the Dwelling Form pays to repair 
unit building elements after the RCBAP limits 
that apply to the unit have been exhausted. 
The coverage combination cannot exceed the 
maximum coverage limits available for a singlefamily 
dwelling. 
3. RCBAP Insured to Less Than 80% of the Building 
Replacement Cost 
a. If the unit owner purchases building coverage 
under the Dwelling Form and there is an 
RCBAP insured to less than 80% of the 
building replacement cost at the time of loss, 
the loss assessment coverage cannot be 
used to reimburse the association for its coinsurance 
penalty. 
b. The covered damages to the condominium 
association building must be greater than 80% 
of the building replacement cost at the time 
of loss before the loss assessment coverage 
becomes available under the Dwelling Form. 
Covered repairs to the unit, if applicable, would 
have priority over loss assessments. 
For more information on this topic, see 
“E. Assessment Coverage” in the Condominiums 
section and Section III. C. 3. of the Dwelling 
Form, “Condominium Loss Assessments,” in the 
Policy section of this manual. 
F. Improvements and Betterments (Tenant’s 
Coverage) 
Under the Dwelling Form and General Property Form, 
coverage for improvements and betterments is 
provided for tenants who have purchased personal 
property and/or building coverage. 
1. Personal Property Coverage 
The maximum amount payable for this coverage, 
which applies to fixtures, alterations, installations, 
or additions in the dwelling or apartment in which 
the insured resides, made or acquired solely at the 
tenant’s expense, is 10% of the personal property 
limit of liability shown on the declarations page. 
Use of this tenant’s coverage reduces the amount 
of insurance available for personal property. 
2. Building Coverage 
A tenant may purchase higher limits of coverage 
for improvements and betterments under the 
building coverage if the lease agreement with the 
building owner: 
a. Requires that the tenant purchase insurance 
coverage for the tenant’s improvements and 
betterments that are made or acquired; and 
b. States that the tenant is responsible for the 
repair of the building and/or improvements and 
betterments that become damaged. 
NOTE: Duplicate coverage is not permitted 
under the NFIP, so only 1 policy can be 
issued for building coverage, and the 
amount of building coverage cannot exceed 
the maximum allowable under the Act. The 
policy may be issued either in the name of 
the building owner or in the names of the 
building owner and the tenant. 
G. Coverage for Building Items Under the 
Condominium Unit-Owners’ Contents Coverage 
Under the Dwelling Form and General Property Form, 
coverage for additions and alterations to condominium 
units is provided for condominium unit owners who 
have purchased personal property coverage. The 
maximum amount payable for this coverage is 10% 
of the personal property limit of liability shown on 
the declarations page. This coverage will apply to 
additions or alterations made by a unit owner to the 
interior walls, floor, and ceiling of a condominium 
unit (not otherwise covered under a flood insurance 
policy purchased by the condominium association). 
Use of this coverage reduces the amount of insurance 
available for personal property. 
X. SPECIAL RATING SITUATIONS 
A. Tentative Rates 
Tentative rates are applied when agents/producers 
are unable to provide all required underwriting 
information necessary to rate the policy. Tentatively 
rated policies cannot be endorsed to increase 
coverage limits or renewed for another policy term until 
required actuarial rating information and full premium 
payment are received by the insurer. If a loss occurs 
on a tentatively rated policy, the loss payment will be 
limited by the amount of coverage that the premium 
initially submitted will purchase (using the correct 
actuarial rating information), and not the amount 

 GR 14 October 1, 2011 
requested by application. For more information, see 
the Tentative Rates subsection in the Rating section 
of this manual. 
B. Submit-for-Rate 
Some risks, because of their unique underwriting 
characteristics, cannot be rated using this manual and 
must be submitted to the insurer. The insurer must 
obtain all information necessary to properly rate and 
issue the policy. Policies for Submit-for-Rate risks are 
re-rated annually. For additional information, see the 
Submit-for-Rate subsection in the Rating section. 
Pre-FIRM risks may not be rated using the Submit-for- 
Rate procedures except for buildings with subgrade 
crawlspaces as described in the Rating section. Pre- 
FIRM buildings in AO and AH Zones with the basement/ 
enclosure/crawlspace/subgrade crawlspace at or 
above the BFE or Base Flood Depth are to use the 
With Certification of Compliance or Elevation 
Certificate rates and would not have to follow Submitfor-
Rate procedures. 
The policy effective date for a Submit-for-Rate risk 
is determined based on the date of application and 
receipt of premium, in the same manner as all other 
policies. See New Policy (Submit-for-Rate submission) 
in the Effective Date subsection of this section for the 
applicable waiting period information. 
C. Provisional Rates 
Rules applicable to provisionally rated policies 
are provided in the Provisional Rating section of 
this manual. 
D. Buildings in More Than 1 Flood Zone/BFE 
Buildings, not the land, located in more than 1 flood 
zone/BFE must be rated using the more hazardous 
zone/BFE. 
This condition applies even though the portion of the 
building located in the more hazardous flood risk zone/ 
BFE may not be covered under the SFIP, such as a deck 
attached to a building. (Example: The building must be 
rated using the more hazardous flood risk zone/BFE if 
any portion of the attached deck foundation extends 
into the more hazardous flood risk zone/BFE. If the 
attached deck overhangs the more hazardous flood 
risk zone/BFE, but its foundation system does not 
extend into more hazardous flood risk zone/BFE, then 
the building must be rated using the flood risk zone/ 
BFE where the building foundation is located.) 
E. Different BFEs Reported 
When the BFE shown on a Flood Zone Determination is 
different than that shown on the Elevation Certificate, 
and the zone and the map information (community 
number, panel number, and suffix) are the same 
on both documents, the BFE shown on the Elevation 
Certificate must be used to rate the policy. In all 
cases, the zone and BFE must be from the FIRM in 
effect on the application date or renewal effective 
date unless grandfathering. 
F. Flood Zone Discrepancies 
When presented with 2 different flood zones, use 
the more hazardous flood zone for rating unless the 
building qualifies for grandfathering (see XIV.D. in the 
Rating section of this manual). The map information 
(community number, panel number, and suffix) and 
BFE must come from the same source as the zone 
used to rate the policy. 
NOTE: The NFIP rules allow the continued use of the 
flood zone and/or BFE that was in effect at the time 
of application or renewal even when a map revision 
that changes the zone and/or BFE occurs after the 
policy effective date. 
XI. MISCELLANEOUS 
A. Policy Term 
The policy term available is 1 year for both NFIP 
Direct business policies and policies written through 
WYO Companies. 
B. Application Submission 
Flood insurance applications and premium payments 
must be made promptly to the insurer. The date of 
receipt of premium by the insurer is determined by either 
the date received at its office or the date of certified 
mail. In the context of submission of applications, 
endorsements, and premiums to the insurer, the term 
“certified mail” includes the U.S. Postal Service and 
certain third-party delivery services. For details, see 
subsection VIII.A. Receipt Date within this section. 
Agents/producers are encouraged to submit flood 
insurance applications by certified mail. Certified mail 
ensures the earliest possible effective date if the 
Application and premium are received by the insurer 
more than 10 days from the application date. The 
date of certification becomes the date of receipt by 
the insurer. 
C. Delivery of the Policy 
The policy contract must be sent to the insured on 
new business or when changes are made to the policy 
form. The policy declarations page must be sent to the 
insured, agent/producer, and, if applicable, lender.

 GR 15 October 1, 2011 
D. Evidence of Insurance 
A copy of the Flood Insurance Application and 
premium payment, or a copy of the declarations 
page, is sufficient evidence of proof of purchase for 
new policies. The NFIP does not recognize binders. 
However, for informational purposes only, the NFIP 
recognizes certificates or evidences of flood insurance, 
and similar forms, provided for renewal policies if the 
following information is included: 
1. Policy Form/Type (GP, DP, RCBAP*, PRP) 
2. Policy Term 
3. Policy Number 
4. Insured’s Name and Mailing Address 
5. Property Location 
6. Current Flood Risk Zone 
7. Rated Flood Risk Zone (zone used for rating, 
including when grandfathering or issuing coverage 
under the 2-year PRP Eligibility Extension) 
8. Grandfathered: Y/N 
9. Mortgagee Name and Address 
10. Coverage Limits; Deductibles 
11. Annual Premium 
* For an RCBAP, include the number of units and 
Replacement Cost Value (RCV) of the building. 
E. Assignment 
A building owner’s flood insurance building policy may 
be assigned to a purchaser of the insured building with 
the written consent of the seller. 
Policies on buildings in the course of construction and 
policies insuring contents only may not be assigned. 
F. Transfer of Business 
The new insurer must collect all required underwriting 
information needed to verify the correct rating and 
issuance of the policy. A declarations page usually does 
not provide all the required underwriting information. 
The new insurer may use the elevation information on 
the declarations page issued by the previous insurer 
only when the Lowest Floor Elevation (LFE) and BFE 
are provided. The elevation information on the previous 
declarations page must be validated when there is 
a discrepancy in the building description (e.g., the 
Application shows a basement or an enclosure and 
the declarations page does not, or the Application 
describes a non-elevated building and the declarations 
page describes an elevated building). 
A PRP requires documentation of eligibility including 
verification of the flood zone. 
An RCBAP requires all information needed to issue 
and rate the policy, including photos and RCV 
documentation. 
When an agent/producer moves his or her book of 
business from 1 insurer to another, or when an insurer 
acquires another’s book of business, photographs are 
not required. However, when transferring an individual 
policy, the photograph requirement applies. 
G. Agents’/Producers’ Commissions (NFIP Direct 
Business Only) 
The earned commission may be paid only to property 
or casualty insurance agents/producers duly licensed 
by a state insurance regulatory authority. It shall not 
be less than $10 and is computed for both new and 
renewal policies as follows: Based on the Total Prepaid 
Amount (less the Federal Policy Fee) for the policy 
term, the commission will be 15% of the first $2,000 of 
annualized premium and 5% on the excess of $2,000. 
Calculated commissions for mid-term endorsements 
and cancellation transactions will be based upon the 
same commission percentage that was paid at the 
policy term’s inception. 
Commissions for all Scheduled Building Policies 
are computed as though each policy were 
separately written. 
For calculation of commission on an RCBAP, see the 
Condominiums section of this manual. 
H. Contract Agent Rule 
A “Contract Agent” is an employee of a WYO Company, 
or an agent/producer under written contract with a WYO 
Company, empowered to act on the company’s behalf 
and with authority to advise an applicant for flood 
insurance that the company will accept the risk. The 
effective date for a policy written through a Contract 
Agent has a waiting period that begins on the agent’s/ 
producer’s or employee’s receipt of the premium and 
completion of the Application. 
An agent/producer under written contract to a WYO 
Company is not a Contract Agent if the WYO Company 
reserves the right to reject the risk. 
To establish a Contract Agent relationship acceptable 
to the NFIP, the WYO Company must include the 
stipulations above in its written contract with the 
agent/producer or employee.

 App 3 October 1, 2011 
Check if the community is in the Regular Program or 
the Emergency Program. 
NOTE: If the community contains a Coastal Barrier 
Resources System (CBRS) or Otherwise Protected 
Area (OPA), see the CBRS section in this manual for 
additional information. 
Check YES if the grandfathering rule is being applied, 
and complete this section; otherwise, check NO. 
If YES: 
• • Check whether the building is eligible for 
grandfathering under the built-in-compliance or the 
continuous-coverage provision. 
• • Enter the prior policy number if grandfathering under 
continuous coverage. 
• • Enter the current community identification number, 
map panel number, suffix, FIRM zone, and, if 
applicable, the BFE. Do not use this map information 
for rating. 
Check YES if the building is owned by a state 
government; otherwise, check NO. 
Check YES if the building is located on Federal land; 
otherwise, check NO. 
NOTE: If the property is federally leased, refer to the 
Leased Federal Property section for guidance. 
J. Building 
Complete all required information in this section. 
• • Building Occupancy 
Check the type of occupancy for the building 
(i.e., sin gle family , 2–4 family , other 
residen tial , or non -residen tial ). 
º º Single Family – This is a residential single-family 
building, or a single-family dwelling unit in a 
condominium building; incidental occupancies 
are permitted if limited to less than 50% of the 
building’s total floor area. 
NOTE: Incidental occupancies are offices, private 
schools, studios, or small service operations 
within a residential building. 
º º 2–4 Family – This is a residential building that 
contains 2–4 units. This category includes 
apartment buildings and condominium buildings. 
Incidental occupancies (see note above) are 
permitted if the total area of such occupancies 
is limited to less than 25% of the total floor area 
within the building. This excludes hotels and motels 
with normal room rentals for less than 6 months. 
º º Other Residential – This is a residential building 
that contains more than 4 apartments/units. This 
category includes condominium and apartment 
buildings as well as hotels, motels, tourist homes, 
and rooming houses where the normal occupancy 
of a guest is 6 months or more. These buildings are 
permitted incidental occupancies (see note above). 
The total area of incidental occupancy is limited 
to less than 25% of the total floor area within the 
building. Examples of other residential buildings 
include dormitories and assisted-living facilities. 
º º Non-Residential (including hotel/motel) – This is a 
commercial or non-habitational building, or a mixeduse 
building that does not qualify as a residential 
building. This category includes, but is not 
limited to, small businesses, churches, schools, 
farm buildings (including grain bins and silos), 
garages, poolhouses, clubhouses, recreational 
buildings, mercantile buildings, agricultural 
buildings, industrial buildings, warehouses, nursing 
homes, licensed bed-and-breakfasts, and hotels 
and motels with normal room rentals for less than 
6 months. 
• • B asement/Enclosure/Crawlspace/Subgrade 
Crawlspace 
Check whether the building contains: 
º º Basement – Any area of the building, including any 
sunken room or sunken portion of a room, having 
its floor below ground level (subgrade) on all sides. 
º º Enclosure – That portion of an elevated building below 
the lowest elevated floor that is either partially or 
fully shut in by rigid walls. A garage below or attached 
to an elevated building is considered an enclosure. 
NOTE: A finished (habitable) area is an enclosed 
area that has more than 20 linear feet of 
finished interior walls (paneling, etc.). 

 App 4 October 1, 2011 
An unfinished area is an enclosed area that 
is used only for the parking of vehicles, 
building access, or storage purposes and that 
does not meet the definition of a finished 
(habitable) area. 
º º Crawlspace – In an elevated building, an underfloor 
space that has its interior floor area (finished 
or not) no more than 5 feet below the top of the 
next-higher floor. 
º º Subgrade Crawlspace – A crawlspace foundation 
where the subgrade under-floor area is no more 
than 5 feet below the top of the next-higher floor 
and no more than 2 feet below the lowest adjacent 
grade on all sides. (A building with a subgrade 
crawlspace is not an elevated building.) 
Select NONE if the enclosure or crawlspace is not the 
lowest floor for rating. In all zones with the exception 
of zones V, VE, and V1–V30, this means that the 
enclosure has proper openings, is unfinished, and is 
used only for building access, parking, or storage. 
Select NONE for a Post-FIRM V-Zone building 
constructed before October 1, 1981, if the enclosure 
is less than 300 square feet with breakaway walls 
and no machinery or equipment, is unfinished, and 
is used only for building access, parking, or storage. 
Select NONE if coverage is for an individual unit in a 
high-rise condominium building that is elevated with 
an enclosure. 
NOTE: If NONE is selected, use the without 
basement/enclosure/crawlspace/subgrade 
crawlspace rates. 
• • Number of Floors or Building Type 
Indicate the number of floors in the entire building, 
including the basement/enclosed area if applicable, 
in the appropriate space. 
If the building’s enclosure or crawlspace is eligible 
for exclusion from rating, do not count the 
enclosed area as a floor. See the explanation 
under “Basement/Enclosure/Crawlspace/Subgrade 
Crawlspace” for eligibility of exclusion from rating. 
º º 1 Floor – excludes unfinished attic; 
º º 2 Floors – includes basement, enclosure, 
crawlspace, and subgrade crawlspace; 
º º 3 or More Floors – includes basement, enclosure, 
crawlspace, and subgrade crawlspace; 
º º Split Level – A foundation with a vertical offset in 
the floor framing on either side of a common wall; 
º º Townhouses/Rowhouses (RCBAP low-rise only) – A 
row of homes sharing at least 1 common wall; 
º º Manufactured (Mobile) Home or Travel Trailer – 
Must be built on a permanent chassis and affixed 
to a permanent foundation, regardless of size. 
A serial number must be provided in Part 2 of 
the Application. 
• • Number of Occupancies (Units) 
For other than single-family dwellings, indicate the 
number of units in the building. 
• • Condominium Information 
º º Form of Ownership 
Check YES if the building is under a condominium 
form of ownership; otherwise, check NO. (A 
homeowners association [HOA] may or may not be 
in a condominium form of ownership.) Refer to the 
Condominiums section for rating guidelines. 
º º Condominium Coverage 
If condominium coverage is being purchased, 
indicate whether the coverage is for a condominium 
unit or the entire condominium building. 
º º Residential Condominium Building Association 
Policy (RCBAP) 
For an RCBAP, enter the total number of units 
(including non-residential) within the building 
and indicate whether the building is a high-rise 
or low-rise. The RCBAP covers only a residential 
condominium building in a Regular Program 
community. 
– – High-Rise Building – A condominium building 
having 5 or more units and at least 3 floors 
excluding enclosures. 
– – Low-Rise Building – A condominium building 
having fewer than 5 units regardless of the 
number of floors, or 5 or more units with fewer 
than 3 floors including a basement.

 App 5 May 1, 2011 
• • Estimated Replacement Cost 
Using normal company practice, estimate the 
Replacement Cost Value (RCV) and enter the value in 
the space provided. Include the cost of the building 
foundation when determining the RCV. 
• • Insured’s Principal Residence 
Check YES if the building is the policyholder’s 
principal residence; otherwise, check NO. 
• • Building in the Course of Construction 
Check YES if the building is in the course of 
construction (if the building is not yet walled and 
roofed); otherwise, check NO. 
• • Building Walled and Roofed 
Check YES if the building has at least 2 outside rigid 
walls and a fully secured roof; otherwise, check NO. 
• • Building Over Water 
Check NO if the building is not located over water. 
Check PARTIALLY if any part of the building is over 
water. Check ENTIRELY if the building is completely 
over water. In tidal areas, use the mean high tide 
in determining whether the building is partially or 
entirely over water. For Post-FIRM buildings located 
completely over water, use the Submit-for-Rate 
procedures in the Rating section of this manual. 
• • Elevated Building 
Check YES if the building is an elevated building; 
otherwise, check NO. An elevated building is a 
building that has no basement and that has its 
lowest elevated floor raised above ground level by 
foundation walls, shear walls, posts, piers, pilings, 
or columns. 
If the building is elevated, indicate in the next box 
whether the area below the lowest elevated floor is 
free of obstruction or with obstruction. An obstruction 
is a partially or fully enclosed area, or machinery 
and equipment, below the lowest elevated floor of 
the building. 
• • Building Use 
Check the box that indicates the insured building’s 
use. If OTH ER, describe the building use. 
• • Manufactured (Mobile) Homes and Travel Trailers 
For all manufactured (mobile) homes and travel 
trailers, complete Part 2 on the back of the Flood 
Insurance Application after you have completed 
Part 1. 
K. Contents 
Check the box that describes the location of the 
contents to be insured. Check YES if personal 
property is household contents; otherwise, check NO 
and describe. 
L. Construction Data 
1. Construction Date 
Check 1 of the 5 boxes in the first part of this section. 
Enter the appropriate date in the Date box. 
• • Building Permit Date 
Select this box if construction began within 180 days 
of the building permit date and enter the building 
permit date. 
• • Date of Construction 
Select this box if construction began more than 180 
days after the building permit date and enter the 
date of the start of construction. 

 App 6 October 1, 2011 
• • Substantial Improvement Date 
Select this box if the building has been substantially 
improved or damaged. If the building has been 
substantially improved, enter the date that 
substantial improvement started or the building 
permit date. If the building has been substantially 
damaged, enter the date that substantial 
damage occurred. 
Substantial improvement is any reconstruction, 
rehabilitation, addition, or other improvement of a 
building, the cost of which equals or exceeds 50% of 
the market value of the building before the start of 
construction of the improvement. 
Substantial damage is damage of any origin 
sustained by a building whereby the cost of restoring 
the building to its before-damaged condition would 
equal or exceed 50% of the market value of the 
building before the damage occurred. 
Do not select this box for substantial improvement 
to a Pre-FIRM building where the improvement is 
an addition next to and in contact with the existing 
building and the lowest floor elevation of the 
addition is at or above the BFE. Select the Building 
Permit Date box or the Date of Construction box as 
applicable and enter the appropriate date. 
Do not select this box if the building qualifies as a 
historic building; see the Definitions section in this 
manual for more information. 
• • Manufactured (Mobile) Homes/Travel Trailers Located 
in a Mobile Home Park or Subdivision 
Select this box if the manufactured (mobile) home or 
travel trailer is located inside a mobile home park or 
subdivision, and enter the construction date of the 
mobile home park or subdivision facilities. 
• • Manufactured (Mobile) Homes/Travel Trailers Located 
Outside a Mobile Home Park or Subdivision 
Select this box if the manufactured (mobile) 
home or travel trailer is located outside a mobile 
home park or subdivision, and enter the date of 
permanent placement. 
2. Post-FIRM Construction 
Check YES if the building was constructed or 
substantially improved after December 31, 1974, or on 
or after the effective date of the initial FIRM for the 
community, whichever is later; otherwise, check NO. 
3. Elevation Information 
Enter the elevation information from the Elevation 
Certificate (EC) for Post-FIRM construction in zones A, 
A1–A30, AE, AO, AH, V, V1–V30, or VE or for Pre-FIRM 
construction that is elevation rated. Attach the EC and 
dated photographs taken within 90 days of the date 
of application. 
NOTE: Post-FIRM buildings constructed in a non- 
SFHA and remapped to an SFHA are eligible for 
grandfathering. The insured has the option of 
obtaining an EC or continuing with the non-SFHA 
rates without an EC. 
When the building is in the course of construction, the 
elevation information provided by the surveyor on the 
EC must be based on the proposed architectural plans. 
In communities that participate in the NFIP’s Community 
Rating System (CRS), building elevation information 
may be available from the community office in charge 
of building permits or floodplain management. 
• • Building Diagram Number 
Enter the building diagram number from the EC. 
Applications for buildings rated using the Floodproofing 
Certificate do not require a diagram number. 
• • Lowest Adjacent Grade 
Enter the Lowest Adjacent Grade from the EC. 
The Lowest Adjacent Grade is not required for 
buildings located in AO Zones and buildings in 
Unnumbered A Zones and Unnumbered V Zones 
without a BFE. 
Applications for buildings rated using the 
Floodproofing Certificate do not require a Lowest 
Adjacent Grade. 
• • Elevation Certification Date 
Enter the date the EC was signed. 
• • Lowest Floor Elevation 
Enter the Lowest Floor Elevation from the EC. To 
determine the lowest floor for rating, see the Lowest 
Floor Guide section in this manual. 
When entering elevation data, drop hundredths of a 
foot and show only tenths of a foot. For example, if 
the Lowest Floor Elevation is 10.49’, enter 10.4’; do 
not round up to 10.5’. 
• • Base Flood Elevation 
Enter the Base Flood Elevation from the EC. 
Base Flood Elevations for Unnumbered A Zones 
must be provided by the community or established 
using the Flood Insurance Study (FIS) Profile. When 

RATING
 RATE 1 May 1, 2011 
This section contains information, including rate 
tables, required to accurately rate a National 
Flood Insurance Program (NFIP) flood insurance 
policy. Information and rates for the Preferred Risk 
Policy (PRP) and Residential Condominium Building 
Association Policy (RCBAP) are found in their 
respective sections. 
The detailed drawings, and accompanying text and 
tables, in the Lowest Floor Guide section are to be 
used as a guide for identifying the lowest floor for 
rating buildings. This guide will assist in developing 
the proper rate for the building. Examples of some 
rating situations are shown at the end of this section. 
I. AMOUNT OF INSURANCE AVAILABLE 
EMERGENCY 
PROGRAM 
REGULAR PROGRAM 
BUILDING COVERAGE 
Basic 
Insurance Limits 
Additional 
Insurance Limits 
Total 
Insurance Limits 
Single-Family Dwelling $ 35,000 * $ 60,000 $190,000 $250,000 
2–4 Family Dwelling $ 35,000 * $ 60,000 $190,000 $250,000 
Other Residential $100,000 ** $175,000 $ 75,000 $250,000 
Non-Residential $100,000 ** $175,000 $325,000 $500,000 
CONTENTS COVERAGE 
Residential $ 10,000 $ 25,000 $ 75,000 $100,000 
Non-Residential $100,000 $150,000 $350,000 $500,000 
* In Alaska, Guam, Hawaii, and U.S. Virgin Islands, the amount available is $50,000. 
** In Alaska, Guam, Hawaii, and U.S. Virgin Islands, the amount available is $150,000. 
NOTE: For the RCBAP, refer to the Condominiums section of this manual for basic insurance limits and maximum 
amount of insurance available. 
II. RATE TABLES 
Rate tables are provided for the Emergency Program 
and for the Regular Program according to Pre-FIRM, 
Post-FIRM, and zone classifications. Tables 1–5 show 
annual rates per $100 of coverage. Table 6 provides 
tentative rates (for more information, see the Tentative 
Rates subsection in this section). See Table 7 for 
Federal Policy Fee and Probation Surcharge. 
TABLE 1. EMERGENCY PROGRAM RATES 
ANNUAL RATES PER $100 OF COVERAGE 
(Basic/Additional) 
Building Contents 
Residential .76 .96 
Non-Residential .83 1.62 


 RATE 2 October 1, 2011 
TABLE 2. REGULAR PROGRAM – PRE-FIRM CONSTRUCTION RATES1 
ANNUAL RATES PER $100 OF COVERAGE 
(Basic/Additional) 
FIRM ZONES A, AE, A1–A30, AO, AH, D2 
SINGLE FAMILY 2–4 FAMILY OTHER RESIDENTIAL NON-RESIDENTIAL 
OCCUPANCY Building Contents Building Contents Building Contents Building Contents 
B
G 
No Basement/Enclosure .76 / .66 .96 / 1.18 .76 / .66 .76 / 1.37 .83 / 1.31 
With Basement .81 / .97 .96 / .99 .81 / .97 .76 / 1.14 .88 / 1.29 
With Enclosure .81 / 1.17 .96 / 1.18 .81 / 1.17 .81 / 1.43 .88 / 1.62 
Elevated on Crawlspace .76 / .66 .96 / 1.18 .76 / .66 .76 / 1.37 .83 / 1.31 
Non-Elevated with Subgrade 
Crawlspace .76 / .66 .96 / .99 .76 / .66 .76 / 1.37 .83 / 1.31 
Manufactured (Mobile) Home3 .76 / .66 .96 / 1.18 .83 / 1.31 
C
ontents 
location 
Basement & Above4 .96 / .99 .96 / .99 1.62 / 2.20 
Enclosure & Above5 .96 / 1.18 .96 / 1.18 1.62 / 2.63 
Lowest Floor Only — Above 
Ground Level .96 / 1.18 .96 / 1.18 1.62 / 1.16 
Lowest Floor Above Ground Level 
and Higher Floors .96 / .82 .96 / .82 1.62 / .99 
Above Ground Level — 
More Than 1 Full Floor .35 / .16 .35 / .16 .24 / .16 
Manufactured (Mobile) Home3 1.62 / 1.16 
FIRM ZONES V, VE, V1–V30 
SINGLE FAMILY 2–4 FAMILY OTHER RESIDENTIAL NON-RESIDENTIAL 
OCCUPANCY Building Contents Building Contents Building Contents Building Contents 
B
uildin 
G 
type 
No Basement/Enclosure .99 / 1.70 1.23 / 2.91 .99 / 1.70 .99 / 3.14 1.10 / 3.26 
With Basement 1.06 / 2.53 1.23 / 2.46 1.06 / 2.53 1.06 / 4.69 1.16 / 4.84 
With Enclosure 1.06 / 2.99 1.23 / 2.90 1.06 / 2.99 1.06 / 5.24 1.16 / 5.40 
Elevated on Crawlspace .99 / 1.70 1.23 / 2.91 .99 / 1.70 .99 / 3.14 1.10 / 3.26 
Non-Elevated with Subgrade 
Crawlspace .99 / 1.70 1.23 / 2.46 .99 / 1.70 .99 / 3.14 1.10 / 3.26 
Manufactured (Mobile) Home3 .99 / 6.11 1.23 / 2.90 1.10 / 10.49 
C
ontents 
location 
Basement & Above4 1.23 / 2.46 1.23 / 2.46 2.14 / 5.72 
Enclosure & Above5 1.23 / 2.90 1.23 / 2.90 2.14 / 6.17 
Lowest Floor Only — Above 
Ground Level 1.23 / 2.90 1.23 / 2.90 2.14 / 5.17 
Lowest Floor Above Ground Level 
and Higher Floors 1.23 / 2.55 1.23 / 2.55 2.14 / 4.47 
Above Ground Level — 
More Than 1 Full Floor .47 / .38 .47 / .38 .45 / .50 
Manufactured (Mobile) Home3 2.14 / 9.80 
FIRM ZONES A99, B, C, X 
SINGLE FAMILY 2–4 FAMILY OTHER RESIDENTIAL NON-RESIDENTIAL 
OCCUPANCY Building Contents Building Contents Building Contents Building Contents 
B
uildin 
G 
type 
No Basement/Enclosure .91 / .24 1.39 / .43 .91 / .24 .85 / .24 .85 / .24 
With Basement 1.03 / .35 1.57 / .50 1.03 / .35 1.09 / .35 1.09 / .35 
With Enclosure 1.03 / .39 1.57 / .57 1.03 / .39 1.09 / .39 1.09 / .39 
Elevated on Crawlspace .91 / .24 1.39 / .43 .91 / .24 .85 / .24 .85 / .24 
Non-Elevated with Subgrade 
Crawlspace .91 / .24 1.39 / .43 .91 / .24 .85 / .24 .85 / .24 
Manufactured (Mobile) Home3 .91 / .44 1.39 / .43 1.09 / .45 
C
ontents 
location 
Basement & Above4 1.77 / .65 1.77 / .65 1.82 / .71 
Enclosure & Above5 1.77 / .75 1.77 / .75 1.82 / .84 
Lowest Floor Only — Above 
Ground Level 1.39 / .69 1.39 / .69 1.12/ .50 
Lowest Floor Above Ground Level 
and Higher Floors 1.39 / .43 1.39 / .43 1.12 / .36 
Above Ground Level — 
More Than 1 Full Floor .41 / .14 .41 / .14 .25 / .14 
Manufactured (Mobile) Home3 .98 / .61 
1 Pre-FIRM construction refers to a building that has a date of construction or substantial improvement date on or before 12/31/74, or 
before the effective date of the initial Flood Insurance Rate Map (FIRM). 
2 Pre-FIRM buildings with subgrade crawlspaces that are below the Base Flood Elevation (BFE) may use optional Post-FIRM elevation 
rating. Follow the Submit-for-Rate procedures for policy processing. 
3 The definition of Manufactured (Mobile) Home includes travel trailers; see the Definitions section. 
4 Includes subgrade crawlspace. 
5 Includes crawlspace.

 RATE 3 October 1, 2011 
TABLE 3A. REGULAR PROGRAM – POST-FIRM CONSTRUCTION RATES 
ANNUAL RATES PER $100 OF COVERAGE 
(Basic/Additional) 
FIRM ZONES A99, B, C, X 
SINGLE FAMILY 2–4 FAMILY OTHER RESIDENTIAL NON-RESIDENTIAL 
OCCUPANCY Building Contents Building Contents Building Contents Building Contents 
B
G 
No Basement/Enclosure .91 / .24 1.39 / .43 .91 / .24 .85 / .24 .85 / .24 
With Basement 1.03 / .35 1.57 / .50 1.03 / .35 1.09 / .35 1.09 / .35 
With Enclosure 1.03 / .39 1.57 / .57 1.03 / .39 1.09 / .39 1.09 / .39 
Elevated on Crawlspace .91 / .24 1.39 / .43 .91 / .24 .85 / .24 .85 / .24 
Non-Elevated with Subgrade 
Crawlspace .91 / .24 1.39 / .43 .91 / .24 .85 / .24 .85 / .24 
Manufactured (Mobile) Home1 .91 / .44 1.39 / .43 1.09 / .45 
C
ontents 
location 
Basement & Above2 1.77 / .65 1.77 / .65 1.82 / .71 
Enclosure & Above3 1.77 / .75 1.77 / .75 1.82 / .84 
Lowest Floor Only — Above 
Ground Level 1.39 / .69 1.39 / .69 1.12 / .50 
Lowest Floor Above Ground Level 
and Higher Floors 1.39 / .43 1.39 / .43 1.12 / .36 
Above Ground Level — 
More Than 1 Full Floor .41 / .14 .41 / .14 .25 / .14 
Manufactured (Mobile) Home1 .98 / .61 
FIRM ZONE D 
SINGLE FAMILY 2–4 FAMILY OTHER RESIDENTIAL NON-RESIDENTIAL 
OCCUPANCY Building Contents Building Contents Building Contents Building Contents 
B
uildin 
G 
type 
No Basement/Enclosure 1.37 / .32 1.11 / .60 1.37 / .32 1.25 / .52 1.25 / .52 
With Basement *** *** *** *** *** 
With Enclosure *** *** *** *** *** 
Elevated on Crawlspace 1.37 / .32 1.11 / .60 1.37 / .32 1.25 / .52 1.25 / .52 
Non-Elevated with Subgrade 
Crawlspace 1.37 / .32 1.11 / .60 1.37 / .32 1.25 / .52 1.25 / .52 
Manufactured (Mobile) Home1 1.78 / .65 1.31 / .67 2.45 / .78 
C
ontents 
location 
Basement & Above2 *** *** *** 
Enclosure & Above3 *** *** *** 
Lowest Floor Only — Above 
Ground Level 1.11 / .60 1.11 / .60 1.58 / .50 
Lowest Floor Above Ground Level 
and Higher Floors 1.11 / .40 1.11 / .40 1.58 / .49 
Above Ground Level — 
More Than 1 Full Floor .35 / 12 .35 / .12 .22 / .12 
Manufactured (Mobile) Home1 1.58 / .50 
FIRM ZONES AO, AH (No Basement/Enclosure/Crawlspace/Subgrade Crawlspace Buildings Only)4 
BUILDING CONTENTS 
OCCUPANCY 1–4 Family Other Res & Non-Res Residential Non-Residential 
With Certification of Compliance or Elevation Certificate5 .28 / .08 .23 / .08 .38 / .13 .23 / .13 
Without Certification of Compliance or Elevation Certificate6,7 1.12 / .21 1.10 / .25 1.05 / .19 1.75 / .24 
1 The definition of Manufactured (Mobile) Home includes travel trailers; see the Definitions section. 
2 Includes subgrade crawlspace. 
3 Includes crawlspace. 
4 Zones AO, AH Buildings with Basement/Enclosure/Crawlspace/Subgrade Crawlspace: follow Submit-for-Rate procedures. Pre-FIRM 
buildings with basement/enclosure/crawlspace/subgrade crawlspace at or above the BFE or Base Flood Depth are to use the “With 
Certification of Compliance or Elevation Certificate” rates and would not have to follow Submit-for-Rate procedures. 
5 “With Certification of Compliance or Elevation Certificate” rates are to be used when the Elevation Certificate shows that the 
lowest floor elevation used for rating is equal to or greater than the community’s elevation requirement, or when there is a Letter of 
Compliance from the community. 
6 “Without Certification of Compliance or Elevation Certificate” rates are to be used only on Post-FIRM buildings when the Elevation 
Certificate shows that the lowest floor elevation is less than the community’s elevation requirement. 
7 For transfers and renewals of existing business where there is no Letter of Compliance or Elevation Certificate in the company’s file, 
these rates can continue to be used. Provisional or tentative rates are to be used for new business without an Elevation Certificate or 
Letter of Compliance. For new business effective on or after October 1, 2011, the provisions of footnote 6 apply. 
***SUBMIT FOR RATING
 RATE 4 October 1, 2011 
TABLE 3B. REGULAR PROGRAM – POST-FIRM CONSTRUCTION RATES 
ANNUAL RATES PER $100 OF COVERAGE 
(Basic/Additional) 
FIRM ZONES AE, A1–A30 — BUILDING RATES 
Elevation of 
Lowest Flor 
Above or 
Belo w the BFE1, 4 
1 Flor 
No Basement/Enclosure/ 
Crawlspace2 
More Than 1 Flor 
No Basement/Enclosure/ 
Crawlspace2 
More Than 1 Flor 
With Basement/Enclosure/ 
Crawlspace2 
Manufactured 
(Mobile ) Home 3 
1–4 Family 
Other 
Residential 
& Non- 
Residential 1–4 Family 
Other 
Residential 
& Non- 
Residential 1–4 Family 
Other 
Residential 
& Non- 
Residential Single Family 
Non- 
Residential 
+4 .24 / .08 .20 / .08 .24 / .08 .20 / .08 .24/ .08 .20 / .08 .28 / .10 .24 / .10 
+3 .30 / .08 .24 / .10 .25 / .08 .22 / .08 .27 / .08 .22 / .09 .31 / .10 .27 / .10 
+2 .42 / .08 .32 / .10 .31 / .08 .25 / .08 .30 / .08 .24 / .09 .52 / .10 .42 / .11 
+1 .75 / .10 .56 / .13 .57 / .09 .36 / .09 .38 / .09 .30 / .10 .94 / .13 .83 / .14 
0 1.78 / .13 1.60 / .17 1.30 / .12 .99 / .17 .91 / .10 .77 / .16 2.55 / .17 2.15 / .22 
-1 4.40 / 1.10 5.39 / 1.15 3.70 / 0.80 3.80 / .50 2.40 / .50 2.15 / .58 *** *** 
-2 *** *** *** *** *** *** *** *** 
FIRM ZONES AE, A1–A30 — CONTENTS RATES 
Elevation of 
Lowest Flor 
Above or 
Belo w the BFE1, 4 
Lowest Flor Only – 
Above Ground Level 
No Basement/Enclosure/ 
Crawlspace2 
Lowest Flor Above Ground 
Level & Hig her Flors 
No Basement/Enclosure/ 
Crawlspace2 
More Than 1 Flor 
With Basement/Enclosure/ 
Crawlspace2 
Manufactured 
(Mobile ) Home 3 
Residential 
Non- 
Residential Residential 
Non- 
Residential Residential 
Non- 
Residential Single Family 
Non- 
Residential 
+4 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .13 
+3 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .14 .26 / .14 
+2 .38 / .12 .24 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .16 .34 / .17 
+1 .53 / .12 .39 / .15 .38 / .12 .28 / .12 .38 / .12 .22 / .12 .58 / .20 .58 / .26 
0 1.16 / .12 .81 / .27 .68 / .12 .59 / .18 .45 / .12 .35 / .13 1.20 / .26 1.11 / .37 
-1 3.10 / .63 2.29 / .80 1.90 / .42 1.53 / .52 .72 / .15 1.15 / .15 *** *** 
-2 *** *** *** *** *** *** *** *** 
FIRM ZONES AE, A1–A30 — CONTENTS RATES 
Elevation of 
Lowest Flor 
Above or 
Belo w the BFE1 
Above Ground Level More Than 1 Ful Flor 
Single Family 2–4 Family Other Residential Non-Residential 
+4 .35 / .12 .35 / .12 .22 / .12 
+3 .35 / .12 .35 / .12 .22 / .12 
+2 .35 / .12 .35 / .12 .22 / .12 
+1 .35 / .12 .35 / .12 .22 / .12 
0 .35 / .12 .35 / .12 .22 / .12 
-1 .35 / .12 .35 / .12 .22 / .12 
-2 .35 / .12 .35 / .12 .22 / .12 
1 If the Lowest Floor is -1 because of an attached garage and the building is described and rated as a single-family dwelling, see the 
Lowest Floor Determination subsection in the Lowest Floor Guide section in this manual or contact the insurer for rating guidance; 
rate may be lower. 
2 Includes subgrade crawlspace. 
3 The definition of Manufactured (Mobile) Home includes travel trailers; see the Definitions section. 
4 Use Submit-for-Rate procedures if either the enclosure below the lowest elevated floor of an elevated building or the crawlspace (underfloor 
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 the BFE. 
***SUBMIT FOR RATING
 RATE 5 October 1, 2011 
TABLE 3C. REGULAR PROGRAM – POST-FIRM CONSTRUCTION RATES 
ANNUAL RATES PER $100 OF COVERAGE 
(Basic/Additional) 
UNNUMBERED ZONE A — WITHOUT 
BASEMENT/ENCLOSURE/CRAWLSPACE/SUBGRADE CRAWLSPACE1,2 
Elevation 
Diference 
BUILDING RATES CONTENTS RATES 
TYPE OF 
ELEVATION CERTIFICATE 
Occupancy Occupancy 
1–4 Family 
Other Residential & 
Non-Residential Residential3 Non-Residential3 
+5 or more .46 / .08 .40 / .12 .44 / .12 .44 / .12 
No Base 
Flood Elevation4 
+2 to +4 1.36 / .11 1.25 / .18 .74 / .13 .70 / .18 
+1 2.60 / .52 2.86 / .32 1.52 / .22 1.31 / .40 
0 or below *** *** *** *** 
+2 or more .44 / .08 .39 / .10 .38 / .12 .34 / .12 
With 
Base Flood Elevation5 
0 to +1 1.35 / .13 1.15 / .19 1.06 / .14 .91 / .15 
-1 4.25 / 1.00 4.96 / .53 2.70 / .33 2.08 / .61 
-2 or below *** *** *** *** 
No Elevation Certificate6 5.00 / 1.30 6.17 / .90 3.33 / .80 2.85 / .96 No Elevation Certificate 
1 Zone A buildings with basement/enclosure without proper openings/crawlspace without proper openings/subgrade crawlspace: follow 
Submit-for-Rate procedures. 
2 Pre-FIRM buildings with basement/enclosure/crawlspace/subgrade crawlspace may use this table if the rates are more favorable to the 
insured. For optional rating, follow the Submit-for-Rate procedures. 
3 For elevation-rated risks other than Single Family, when contents are located 1 floor or more above lowest floor used for rating – use 
Table 3B, Contents Rates, Above Ground Level More Than 1 Full Floor. 
4 Elevation difference is the measured distance between the highest adjacent grade next to the building and the lowest floor 
of the building. 
5 Elevation difference is the measured distance between the BFE provided by the community or registered professional engineer, 
surveyor, or architect and the lowest floor of the building. 
6 For policies with effective dates on or after October 1, 2011, the No Elevation Certificate rates apply only to renewals and transfers. 
Provisional or tentative rates are to be used for new business without an Elevation Certificate. 
***SUBMIT FOR RATING
 RATE 6 October 1, 2011 
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 Flor 
Above or 
Belo w the BFE 
1 Flor 
No Basement/Enclosure/ 
Crawlspace2 
More Than 1 Flor 
No Basement/Enclosure/ 
Crawlspace2 
More Than 1 Flor 
With Basement/Enclosure/ 
Crawlspace2 
Manufactured 
(Mobile ) Home 3 
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 
04 3.12 / .56 3.77 / 1.45 2.53 / .56 2.74 / 1.36 2.19 / .56 2.45 / 1.10 4.67 / .46 6.65 / .42 
-15 6.63 / 3.38 9.87 / 5.43 6.06 / 3.38 8.50 / 4.13 4.32 / 3.07 4.51 / 4.19 *** *** 
-2 *** *** *** *** *** *** *** *** 
FIRM ZONES ’75–’81, V1–V30, VE — CONTENTS RATES 
Elevation of 
Lowest Flor 
Above or 
Belo w the BFE 
Lowest Flor Only – 
Above Ground Level 
No Basement/Enclosure/ 
Crawlspace2 
Lowest Flor Above Ground 
Level & Hig her Flors 
No Basement/Enclosure/ 
Crawlspace2 
More Than 1 Flor 
With Basement/Enclosure/ 
Crawlspace2 
Manufactured 
(Mobile ) Home 3 
Residential 
Non- 
Residential Residential Non- Residential Residential Non- Residential Single Family 
Non- 
Residential 
04 4.36 / .92 3.85 / 3.49 2.83 / .91 2.69 / 2.12 1.60 / .78 1.60 / .80 4.19 / .98 4.37 / 4.42 
-15 9.55 / 5.81 9.37 / 10.01 5.63 / 4.42 6.43 / 6.28 1.88 / .80 5.73 / 1.07 *** *** 
-2 *** *** *** *** *** *** *** *** 
FIRM ZONES ’75–’81, V1–V30, VE — CONTENTS RATES 
Elevation of 
Lowest Flor 
Above or 
Belo w the BFE 
Above Ground Level More Than 1 Ful Flor 
Single Family 2–4 Family Other Residential Non-Residential 
04 .56 / .25 .56 / .25 .42 / .25 
-15 .56 / .25 .56 / .25 .42 / .25 
-2 .56 / .25 .56 / .25 .46 / .25 
1 Policies for 1975 through 1981 Post-FIRM and Pre-FIRM buildings in zones VE and V1–V30 will be allowed to use the Post-’81 V-Zone 
rate table if the rates are more favorable to the insured. See instructions in this section for V-Zone Optional Rating. 
2 Includes subgrade crawlspace. 
3 The definition of Manufactured (Mobile) Home includes travel trailers; see the Definitions section. 
4 These rates are to be used if the lowest floor of the building is at or above the BFE. 
5 Use Submit-for-Rate procedures if the enclosure below the lowest elevated floor of an elevated building, which is used for rating, 
is 1 or more feet below the BFE. 
***SUBMIT FOR RATING 
FIRM ZONES ’75–’81, UNNUMBERED V ZONE 
SUBMIT FOR RATING 
 RATE 7 October 1, 2011 
TABLE 3E. REGULAR PROGRAM – POST-FIRM CONSTRUCTION RATES 
ANNUAL RATES PER $100 OF COVERAGE 
1981 POST-FIRM V1–V30, VE ZONE RATES1 
Elevation of the 
Lowest Flor 
Above or Belo w BFE 
Adjusted for Wave 
Heig ht2 
Elevated Buildings Fre of Obstruction 3 
CONTENTS BUILDING 
Residential Non-Residential 
Replacement Cost 
Ratio .75 or More4 
Replacement Cost 
Ratio .50 to .744 
Replacement Cost Ratio 
Under .504 
+4 or more .44 .44 .73 .96 1.48 
+3 .46 .46 .84 1.14 1.71 
+2 .69 .74 1.15 1.54 2.32 
+1 1.19 1.28 1.67 2.23 3.12 
0 2.04 2.19 2.63 3.52 4.94 
-1 2.93 3.02 3.58 4.72 6.13 
-2 4.19 4.42 4.57 5.98 7.63 
-3 5.48 5.81 5.48 7.33 9.29 
-4 or below *** *** *** *** *** 
1 Policies for 1975 through 1981 Post-FIRM and Pre-FIRM buildings in zones VE and V1–V30 will be allowed to use the Post-’81 V-Zone 
rate table if the rates are more favorable to the insured. See instructions in this section for V-Zone Optional Rating. 
2 Wave height adjustment is not required in those cases where the FIRM indicates that the map includes wave height. 
3 Free of Obstruction – The space below the lowest elevated floor must be completely free of obstructions or any attachment to the 
building, or may have: 
(1) Insect screening, provided that no additional supports are required for the screening; or 
(2) Wooden or plastic lattice with at least 40% of its area open and made of material no thicker than ½ inch; or 
(3) Wooden or plastic slats or shutters with at least 40% of their area open and made of material no thicker than 1 inch. 
(4) One solid breakaway wall or a garage door, with the remaining sides of the enclosure constructed of insect screening, 
wooden or plastic lattice, slats, or shutters. 
Any of these systems must be designed and installed to collapse under stress without jeopardizing the structural support of the 
building, so that the impact on the building of abnormally high tides or wind-driven water is minimized. 
Any machinery or equipment below the lowest elevated floor must be at or above the BFE. 
4 These percentages represent building replacement cost ratios, which are determined by dividing the amount of building coverage being 
purchased through the NFIP by the replacement cost. See the Replacement Cost Ratio subsection in this section for more details. 
***SUBMIT FOR RATING 
1981 POST-FIRM V1–V30, VE ZONE Non-Elevated Buildings 
SUBMIT FOR RATING 
1981 POST-FIRM UNNUMBERED V ZONE 
SUBMIT FOR RATING
 RATE 8 October 1, 2011 
TABLE 3F. REGULAR PROGRAM – POST-FIRM CONSTRUCTION RATES 
ANNUAL RATES PER $100 OF COVERAGE 
1981 POST-FIRM V1–V30, VE ZONE RATES1,2 
Elevation of the 
Lowest Flor 
Above or Belo w BFE 
Adjusted for 
Wave Heig ht3 
Elevated Buildings with Obstruction 4 
CONTENTS BUILDING 
Residential Non-Residential 
Replacement Cost 
Ratio .75 or More5 
Replacement Cost 
Ratio .50 to .745 
Replacement Cost 
Ratio Under .505 
+4 or more .57 .57 1.58 2.10 3.12 
+3 .61 .61 1.77 2.33 3.55 
+2 .82 .82 2.14 2.80 4.27 
+1 1.38 1.47 2.62 3.51 5.07 
0 2.20 2.32 3.42 4.68 6.34 
-16 3.02 3.19 4.37 5.80 7.79 
-26 4.31 4.60 5.28 6.94 9.01 
-36 5.62 5.98 6.33 8.24 10.59 
-4 or below6 *** *** *** *** *** 
1 Policies for 1975 through 1981 Post-FIRM and Pre-FIRM buildings in zones VE and V1–V30 will be allowed to use the Post-’81 V-Zone 
rate table if the rates are more favorable to the insured. See instructions in this section for V-Zone Optional Rating. 
2 Rates provided are only for elevated buildings, except those elevated on solid foundation walls. For buildings elevated on solid 
foundation walls, and for non-elevated buildings, follow the Submit-for-Rate procedures. 
3 Wave height adjustment is not required in those cases where the FIRM indicates that the map includes wave height. 
4 With Obstruction – The space below has an area of less than 300 square feet with breakaway solid walls or contains equipment below 
the BFE. If the space below has an area of 300 square feet or more, or if any portion of the space below the elevated floor is enclosed 
with non-breakaway walls, submit for rating. If the enclosure is at or above the BFE, use the “Free of Obstruction” rate table on the 
preceding page. The elevation of the bottom enclosure floor is the lowest floor for rating (LFE). See Elevated Buildings – Post-FIRM 
V-Zone Construction in this section for more details. 
5 These percentages represent building replacement cost ratios, which are determined by dividing the amount of building coverage being 
purchased through the NFIP by the replacement cost. See the Replacement Cost Ratio subsection in this section for more details. 
6 For buildings with obstruction, use Submit-for-Rate procedures if the enclosure below the lowest elevated floor of an elevated building, 
which is used for rating, is 1 or more feet below the BFE. 
***SUBMIT FOR RATING 
1981 POST-FIRM UNNUMBERED V ZONE 
SUBMIT FOR RATING
 RATE 9 October 1, 2011 
TABLE 4. REGULAR PROGRAM – FIRM ZONE AR AND AR DUAL ZONES 
NOT ELEVATION-RATED RATES 
ANNUAL RATES PER $100 OF COVERAGE 
(Basic/Additional) 
PRE-FIRM RATES1 
SINGLE FAMILY 2–4 FAMILY OTHER RESIDENTIAL NON-RESIDENTIAL 
OCCUPANCY Building Contents Building Contents Building Contents Building Contents 
B
uildin 
G 
type 
No Basement/Enclosure .91 / .24 1.39 / .43 .91 / .24 .85 / .24 .85 / .24 
With Basement 1.03 / .35 1.57 / .50 1.03 / .35 1.09 / .35 1.09 / .35 
With Enclosure 1.03 / .39 1.57 / .57 1.03 / .39 1.09 / .39 1.09 / .39 
Elevated on Crawlspace .91 / .24 1.39 / .43 .91 / .24 .85 / .24 .85 / .24 
Non-Elevated with Subgrade 
Crawlspace .91 / .24 1.39 / .43 .91 / .24 .85 / .24 .85 / .24 
Manufactured (Mobile) Home2 .91 / .44 1.39 / .43 1.09 / .45 
C
ontents 
location 
Basement & Above 1.77 / .65 1.77 / .65 1.82 / .71 
Enclosure & Above 1.77 / .75 1.77 / .75 1.82 / .84 
Lowest Floor Only — Above 
Ground Level 1.39 / .69 1.39 / .69 1.12 / .50 
Lowest Floor Above Ground Level 
and Higher Floors 1.39 / .43 1.39 / .43 1.12 / .36 
Above Ground Level — 
More Than 1 Full Floor .41 / .14 .41 / .14 .25 / .14 
Manufactured (Mobile) Home2 .98 / .61 
1 Pre-FIRM construction refers to a building that has a date of construction or substantial improvement date on or before 12/31/74, or 
before the effective date of the initial FIRM. 
2 The definition of Manufactured (Mobile) Home includes travel trailers; see the Definitions section. 
POST-FIRM RATES 
SINGLE FAMILY 2–4 FAMILY OTHER RESIDENTIAL NON-RESIDENTIAL 
OCCUPANCY Building Contents Building Contents Building Contents Building Contents 
B
uildin 
G 
type 
No Basement/Enclosure .91 / .24 1.39 / .43 .91 / .24 .85 / .24 .85 / .24 
With Basement 1.03 / .35 1.57 / .50 1.03 / .35 1.09 / .35 1.09 / .35 
With Enclosure 1.03 / .39 1.57 / .57 1.03 / .39 1.09 / .39 1.09 / .39 
Elevated on Crawlspace .91 / .24 1.39 / .43 .91 / .24 .85 / .24 .85 / .24 
Non-Elevated with Subgrade 
Crawlspace .91 / .24 1.39 / .43 .91 / .24 .85 / .24 .85 / .24 
Manufactured (Mobile) Home1 .91 / .44 1.39 / .43 1.09 / .45 
C
ontents 
location 
Basement & Above 1.77 / .65 1.77 / .65 1.82 / .71 
Enclosure & Above 1.77 / .75 1.77 / .75 1.82 / .84 
Lowest Floor Only — Above 
Ground Level 1.39 / .69 1.39 / .69 1.12 / .50 
Lowest Floor Above Ground Level 
and Higher Floors 1.39 / .43 1.39 / .43 1.12 / .36 
Above Ground Level — 
More Than 1 Full Floor .41 / .14 .41 / .14 .25 / .14 
Manufactured (Mobile) Home1 .98 / .61 
1 The definition of Manufactured (Mobile) Home includes travel trailers; see the Definitions section. 
 RATE 10 October 1, 2011 
TABLE 5. REGULAR PROGRAM – PRE-FIRM AND POST-FIRM 
ELEVATION-RATED RATES 
ANNUAL RATES PER $100 OF COVERAGE 
(Basic/Additional) 
FIRM ZONES AR and AR Dual Zones — BUILDING RATES 
Elevation of 
Lowest Flor 
Above or 
Belo w the BFE 
1 Flor 
No Basement/Enclosure/ 
Crawlspace1 
More Than 1 Flor 
No Basement/Enclosure/ 
Crawlspace1 
More Than 1 Flor 
With Basement/Enclosure/ 
Crawlspace1 
Manufactured 
(Mobile ) Home 2 
1–4 Family 
Other 
Residential 
& Non- 
Residential 1–4 Family 
Other 
Residential 
& Non- 
Residential 1–4 Family 
Other 
Residential 
& Non- 
Residential Single Family 
Non- 
Residential 
+4 .24 / .08 .20 / .08 .24 / .08 .20 / .08 .24 / .08 .20 / .08 .28 / .10 .24 / .10 
+3 .30 / .08 .24 / .10 .25 / .08 .22 / .08 .27 / .08 .22 / .09 .31 / .10 .27 / .10 
+2 .42 / .08 .32 / .10 .31 / .08 .25 / .08 .30 / .08 .24 / .09 .52 / .10 .42 / .11 
+1 .75 / .10 .56 / .13 .57 / .09 .36 / .09 .38 / .09 .30 / .10 .91 / .44 .83 / .14 
0 .91 / .24 .85 / .24 .91 / .24 .85 / .24 .91 / .10 .77 / .16 .91 / .44 1.09 / .45 
-13 See Footnote 3 
FIRM ZONES AR and AR Dual Zones — CONTENTS RATES 
Elevation of 
Lowest Flor 
Above or 
Belo w the BFE 
Lowest Flor Only – 
Above Ground Level 
No Basement/Enclosure/ 
Crawlspace1 
Lowest Flor Above Ground 
Level & Higher Flors 
No Basement/Enclosure/ 
Crawlspace1 
More Than 1 Flor 
With Basement/Enclosure/ 
Crawlspace1 
Manufactured 
(Mobile ) Home 2 
Residential 
Non- 
Residential Residential 
Non- 
Residential Residential 
Non- 
Residential Single Family 
Non- 
Residential 
+4 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .13 
+3 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .14 .26 / .14 
+2 .38 / .12 .24 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .16 .34 / .17 
+1 .53 / .12 .39 / .15 .38 / .12 .28 / .12 .38 / .12 .22 / .12 .58 / .20 .58 / .26 
0 1.16 / .12 .81 / .27 .68 / .12 .59 / .18 .45 / .12 .35 / .13 1.20 / .26 .98 / .61 
-13 See Footnote 3 
FIRM ZONES AR and AR Dual Zones — CONTENTS RATES 
Elevation of 
Lowest Flor 
Above or 
Belo w the BFE 
Above Ground Level More Than 1 Ful Flor 
Single Family 2–4 Family Other Residential Non-Residential 
+4 .35 / .12 .35 / .12 .22 / .12 
+3 .35 / .12 .35 / .12 .22 / .12 
+2 .35 / .12 .35 / .12 .22 / .12 
+1 .35 / .12 .35 / .12 .22 / .12 
0 .35 / .12 .35 / .12 .22 / .12 
-14 .35 / .12 .35 / .12 .22 / .12 
-24 .35 / .12 .35 / .12 .22 / .12 
1 Includes subgrade crawlspace. 
2 The definition of Manufactured (Mobile) Home includes travel trailers; see the Definitions section. 
3 Use Table 4. 
4 These rates are applicable only to contents-only policies. 
 RATE 11 October 1, 2011 
TABLE 6. TENTATIVE RATES TABLE1 
RATES PER $100 OF COVERAGE 
(Basic/Additional) 
FIRM Zones A, AE, A1–A30, AO, AH RATES 
BUILDING TYPE BUILDING CONTENTS 
Non-Elevated, No Basement Basic Limits Additional Limits Basic Limits Additional Limits 
1–4 Family 4.00 3.00 6.00 4.00 
Other Residential 6.00 4.00 6.00 4.00 
Non-Residential 6.00 4.00 8.00 8.00 
Non-Elevated with Basement/ 
Elevated Building2 Basic Limits Additional Limits Basic Limits Additional Limits 
1–4 Family 2.00 2.00 2.00 2.00 
Other Residential 3.00 3.00 2.00 2.00 
Non-Residential 3.00 3.00 3.00 3.00 
FIRM Zones V, V1–V30, VE RATES 
BUILDING TYPE BUILDING CONTENTS 
Non-Elevated, No Basement Basic Limits Additional Limits Basic Limits Additional Limits 
1–4 Family 8.00 8.00 11.00 11.00 
Other Residential 11.00 11.00 11.00 11.00 
Non-Residential 11.00 11.00 11.00 11.00 
Non-Elevated with Basement/ 
Elevated Building2 Basic Limits Additional Limits Basic Limits Additional Limits 
1–4 Family 5.00 5.00 5.00 5.00 
Other Residential 7.00 7.00 5.00 5.00 
Non-Residential 7.00 7.00 7.00 7.00 
1 Use of this table is subject to the provisions found in the Tentative Rates subsection in this section. 
2 The basement/elevated building rates should be used only if the submitted information indicates that the risk is constructed as an 
elevated building or has a basement as defined by the NFIP.
 RATE 12 May 1, 2011 
TABLE 8A. STANDARD DEDUCTIBLES 
EMERGENCY PROGRAM 
REGULAR PROGRAM 
Flood Zone Pre-FIRM 
Pre-FIRM with Optional 
Post-FIRM Elevation Rating Post-FIRM 
$2,000 
B, C, X, A99, D $1,000 $1,000 
A, AO, AH, A1–A30, 
AE, V1–V30, VE, V, AR, 
AR/AE, AR/AH, AR/AO, 
AR/A1–A30, AR/A 
$2,000 $1,000 $1,000 
III. DEDUCTIBLES 
As shown in Table 8A below, the NFIP standard 
deductible is either $1,000 or $2,000. An optional 
deductible amount may be applied to policies insuring 
properties in either Emergency Program or Regular 
Program communities. See Table 8B for deductible 
options. Refer to the Condominiums section for the 
RCBAP optional deductibles. 
A. Deductible Buyback 
Policyholders who wish to reduce their deductibles 
from the standard deductibles of $2,000 for Pre-FIRM 
SFHA risks may opt to purchase separate $1,000 
deductibles for building and contents coverages, for an 
additional premium. The deductible factors provided 
in Table 8B must be used to calculate the deductible 
surcharge. For an RCBAP, use the RCBAP Deductible 
Factors table in the Condominiums section. 
B. Changes in Deductible Amount 
The amount of the deductible may be increased during 
the policy term by submitting a completed General 
Change Endorsement form. 
Deductibles cannot be reduced mid-term unless 
required by the mortgagee and written authorization is 
provided by the mortgagee. A 30-day waiting period will 
be applied to reduce the deductible, unless the request 
is in connection with making, increasing, extending, or 
renewing a loan. 
The deductible amount may be reduced at the time 
of renewal. In order for the deductible reduction to 
take effect on the renewal date, the request and full 
premium must be received at least 30 days prior to 
the renewal effective date, except when the deductible 
buyback is part of the renewal offer. 
TABLE 7. FEDERAL POLICY FEE AND PROBATION SURCHARGE TABLE 
FEDERAL POLICY FEE1 PROBATION SURCHARGE 
$40 $50 
1 For the Preferred Risk Policy, the Federal Policy Fee is $20.
 RATE 13 May 1, 2011 
TABLE 8B. DEDUCTIBLE FACTORS 
Single-Family and 2–4 Family Building and Contents Policies1,2,3 
Deductible Options : 
Building/Contents 
Post -FIRM 
$1,000 Ded. 
Pre -FIRM 
$2,000 Ded. 
Deductible Options : 
Building/Contents 
Post -FIRM 
$1,000 Ded. 
Pre -FIRM 
$2,000 Ded. 
$1,000/$1,000 1.000 1.100 $4,000/$3,000 .800 .875 
$2,000/$1,000 .950 1.030 $4,000/$4,000 .775 .850 
$2,000/$2,000 .925 1.000 $5,000/$1,000 .825 .900 
$3,000/$1,000 .900 .980 $5,000/$2,000 .800 .875 
$3,000/$2,000 .875 .950 $5,000/$3,000 .780 .850 
$3,000/$3,000 .850 .925 $5,000/$4,000 .765 .830 
$4,000/$1,000 .850 .900 $5,000/$5,000 .750 .810 
$4,000/$2,000 .825 .900 
Single-Family and 2–4 Family Building-Only or Contents-Only Policies1,2,3 
Building 
Post -FIRM 
$1,000 Ded. 
Pre -FIRM 
$2,000 Ded. 
$1,000 1.000 1.075 
$2,000 .935 1.000 
$3,000 .885 .945 
$4,000 .835 .890 
$5,000 .785 .840 
Other Residential and Non-Residential Policies1,2,5 
Building /Contents 
Discount from 
Amount 
Building Only Contents Only 
Post -FIRM 
$1,000 Ded. 
Pre -FIRM 
$2,000 Ded. 
Post -FIRM 
$1,000 Ded. 
Pre -FIRM 
$2,000 Ded. 
Post -FIRM 
$1,000 Ded. 
Pre -FIRM 
$2,000 Ded. 
$1,000/$1,000 1.000 1.050 $1,000 1.000 1.050 1.000 1.050 
$2,000/$2,000 .960 1.000 $2,000 .960 1.000 .965 1.000 
$3,000/$3,000 .930 .970 $3,000 .925 .965 .940 .975 
$4,000/$4,000 .910 .950 $4,000 .900 .935 .915 .950 
$5,000/$5,000 .890 .930 $5,000 .875 .910 .890 .925 
$10,000/$10,0005 .815 .855 $10,000 .775 .800 .815 .850 
$15,000/$15,0005 .765 .800 $15,000 .700 .725 .740 .775 
$20,000/$20,0005 .715 .750 $20,000 .625 .650 .670 .700 
$25,000/$25,0005 .665 .700 $25,000 .575 .600 .620 .650 
$50,000/$50,0005 .565 .600 $50,000 .475 .500 .550 .575 
1 Deductible factors for the RCBAP are located in the Condominiums section. 
2 The ICC Premium is not eligible for the deductible discount. First calculate the deductible discount, then add in the 
ICC Premium, for each policy year. 
3 These deductible factors apply for condominium unit owners. 
4 Also applies to residential unit contents in Other Residential building or in multi-unit condominium building. 
5 Deductibles of $10,000 to $50,000 are available only for Non-Residential Policies. 
Contents 4 
Post -FIRM 
$1,000 Ded. 
Pre -FIRM 
$2,000 Ded. 
$1,000 1.000 1.100 
$2,000 .900 1.000 
$3,000 .825 .915 
$4,000 .750 .830 
$5,000 .675 .750
 RATE 14 October 1, 2011 
IV. INCREASED COST OF COMPLIANCE (ICC) 
COVERAGE 
Coverage is afforded under the Standard Flood 
Insurance Policy (SFIP) for the increased cost to rebuild, 
or otherwise alter, a flood-damaged structure to bring 
it into conformance with state or local floodplain 
management ordinances or laws. 
ICC coverage is mandatory for all SFIPs except for (1) 
those sold in Emergency Program communities, (2) 
contents-only policies, (3) Dwelling Forms on individual 
condominium units within a multi-unit building, and 
(4) Group Flood Insurance. For these 4 cases, ICC 
coverage is not available. In a condominium building, 
ICC coverage is only available through the condominium 
association’s flood policy. 
The current ICC coverage limit is $30,000 per building 
or, for non-condominium townhouse construction, per 
unit, per policy. This coverage amount is in addition to 
the Building Amount of insurance purchased. However, 
for any 1 flood event, the amount of combined loss 
payment received from Building coverage and ICC 
coverage cannot exceed the maximum program limits 
of $250,000 for residential structures and $500,000 
for non-residential structures. 
tABLE 9. STANDARD FLOOD INSURANCE POLICY 
INCREASED COST OF COMPLIANCE (ICC) cOVERAGE 
Premiums for $30,000 ICC Coverage 
All Except RCBAP, MPPP, Preferred Risk Policies, and Submit-for-Rate Policies 
FIRM Zone 
Residential Non -Residential 
Building Amount of Insurance Building Amount of Insurance 
$1–$230,000 $230,001–$250,000 $1–$480,000 $480,001–$500,000 
Post- 
FIRM 
A, AE, A1–A30, AO, AH $ 5 $ 4 $ 5 $ 4 
AR, AR DUAL ZONES $ 5 $ 4 $ 5 $ 4 
POST-’81 V1–V30, VE $18 $13 $18 $13 
’75–’81 V1–V30, VE $30 $20 $30 $20 
A99, B, C, X, D $ 5 $ 4 $ 5 $ 4 
Pre- 
FIRM 
A, AE, A1–A30, AO, AH $70 $55 $70 $55 
AR, AR DUAL ZONES $ 5 $ 4 $ 5 $ 4 
V, VE, V1–V30 $70 $55 $70 $55 
A99, B, C, X, D $ 5 $ 4 $ 5 $ 4 
NOTES: (1) ICC coverage does not apply to the Emergency Program, individually owned condominium units located within a multi-unit 
building and insured under the Dwelling Form, contents-only policies, and Group Flood Insurance Policies. 
(2) The ICC Premium is not eligible for the deductible discount. First calculate the deductible discount, then 
add in the ICC Premium. 
(3) Use only 1 ICC Premium amount listed above for each building to be insured. 
(4) For scheduled building policies, apply ICC Premium for each building. 
(5) Add Federal Policy Fee and Probation Surcharge, if applicable, when computing the premium. 
(6) Elevation-rated Pre-FIRM buildings should use Post-FIRM ICC Premiums. 
(7) See page RATE 18 for AR Zone and AR Dual Zone Rating information. 
(8) For flood policies issued through the Mortgage Portfolio Protection Program (MPPP), use the rates and ICC 
Premiums in the table in the MPPP section. 
(9) For Submit-for-Rate policies, use the ICC Premium Table contained in the Specific Rating Guidelines.
 RATE 17 May 1, 2011 
BFE may not be covered under the SFIP, such as a deck 
attached to a building. (Example: The building must be 
rated using the more hazardous flood risk zone/BFE if 
any portion of the attached deck foundation extends 
into the more hazardous flood risk zone/BFE. If the 
attached deck overhangs the more hazardous flood 
risk zone/BFE, but its foundation system does not 
extend into more hazardous flood risk zone/BFE, then 
the building must be rated using the flood risk zone/ 
BFE where the building foundation is located.) 
F. Different BFEs Reported 
When the BFE shown on a Flood Zone Determination is 
different than that shown on the Elevation Certificate, 
and the zone and the FIRM number (including panel 
number and suffix) are the same, the BFE shown on 
the Elevation Certificate must be used to rate the 
policy. In all cases, the zone and BFE must be from 
the FIRM in effect on the application date or renewal 
effective date, unless grandfathering. 
G. Flood Zone Discrepancies 
When presented with 2 different flood zones, use 
the more hazardous flood zone for rating unless the 
building is eligible for grandfathering (see XIV.D. on 
pages RATE 21 – 22). The FIRM number (including 
panel number and suffix) and BFE must come from the 
same source as the zone used to rate the policy. 
NOTE: The NFIP rules allow the continued use of the 
flood zone and/or BFE that was in effect at the time 
of application or renewal even when a map revision 
that changes the zone and/or BFE occurs after the 
policy effective date. 
H. Mortgagee on Policy – Higher Deductible 
Requested 
When a mortgagee is listed on the policy, their 
written consent should be secured before requesting 
a deductible higher than the applicable standard 
deductible. 
VIII. REGULAR PROGRAM, POST-FIRM ELEVATIONRATED 
RISKS 
A. Elevation Difference 
The elevation difference is the difference between the 
lowest floor used for rating and the BFE. The elevation 
difference must be determined if the building is Post- 
FIRM, located in a Special Flood Hazard Area (SFHA), 
and within a Regular Program community. 
Refer to the Lowest Floor Guide section for a guide 
to determining the lowest floor. Note that, in Puerto 
Rico, elevations are based on meters rather than feet. 
Before rating the flood insurance premium, the agent/ 
producer must convert the meter elevations into feet. 
For rating purposes, the elevation difference is the 
difference, measured in feet, between the lowest floor 
elevation of the building to be rated, and the BFE for 
that zone. The elevation difference can be a number of 
feet above (+) or below (-) the BFE. 
If the BFE and/or the lowest floor elevation is shown in 
tenths (e.g., 10.5’), the agent/producer must apply the 
rounding rule to the difference between the elevation of 
the lowest floor for rating and the BFE. If the difference 
is negative, the final figure is rounded up from .5. 
If the difference is positive, the final figure is rounded 
up from .5. Always round to the higher elevation. 
For example, -3’ is higher than -3.5’ and +4’ is higher 
than +3.5’. 
Rounding Rule Example: 
11.5’ LF – 11.0’ BFE = +0.5’ 
Because the difference is positive, 
it is rounded up to 1.0’. 
10.5’ LF – 11.0’ BFE = -0.5’ 
Because the difference is negative, 
it is rounded up to 0’. 
B. Examples 
Examples to illustrate how to determine the elevation 
difference are provided below. 
1. Zones A1–A30, AE, AR, AR Dual Zones, Post-’81 
V1–V30, VE, and A (With BFE) 
Lowest Floor Elevation - Base Flood Elevation 
(BFE) = Elevation Difference 
Examples: 
a. Lowest Floor Elevation (+10’) – BFE (+6’) = 
Elevation Difference of (+4’). 
b. Lowest Floor Elevation (+8.3’) – BFE (+6.0’) 
= Elevation Difference of (+2.3’); therefore, 
(+2.3’) is rounded down to (+2.0’). 
c. Lowest Floor Elevation (+12.4’) – BFE (+8.8’) 
= Elevation Difference of (+3.6’); therefore, 
(+3.6’) is rounded up to (+4.0’). 
d. Lowest Floor Elevation (+9.5’) – BFE (+12.0’) = 
Elevation Difference of (-2.5’); therefore, (-2.5’) 
is rounded up to (-2’). 
-3' 
-2' 
-1' 
+1' 
+2' 
+3' 
11’ BFE 0'
 RATE 18 October 1, 2011 
2. Zone AH 
Lowest Floor Elevation – Base Flood Elevation 
(BFE) = Elevation Difference 
Examples: 
a. Lowest Floor Elevation (+4’) – BFE (+2’) = (+2’); 
use With Certification of Compliance rates. 
b. Lowest Floor Elevation (+6’) – BFE (+8’) = (-2’); 
use Without Certification of Compliance rates. 
c. Lowest Floor Elevation (+3.9’) – BFE (+4’) = (0’); 
use With Certification of Compliance rates. 
3. Zone AO 
In AO Zones, the difference between the top of the 
bottom floor and the highest adjacent grade is the 
lowest floor elevation used for rating. If the lowest 
floor elevation is equal to or greater than the 
Base Flood Depth printed on the FIRM, use With 
Certification of Compliance rate. If the elevation 
difference is less than the Base Flood Depth, use 
Without Certification of Compliance rates. When 
no Base Flood Depth is printed on the FIRM, a 
depth of 2 feet must be used for rating purposes. 
Examples: 
a. Lowest Floor Elevation (distance between the 
top of the bottom floor and the highest adjacent 
grade) (+2.9’) – Base Flood Depth (3’) = (0’); 
use With Certification of Compliance rates. 
b. Lowest Floor Elevation (0’) – Base Flood 
Depth (+1’) = (-1’); use Without Certification of 
Compliance rates. 
c. Lowest Floor Elevation (+2’) – (+2’) (no published 
Base Flood Depth) = (0’); use With Certification 
of Compliance rates. 
4. Zone A (With No BFE) 
In Zone A where there is no established BFE, the 
difference between the top of the bottom floor 
and the highest adjacent grade is the lowest floor 
elevation used for rating. 
Examples: 
Lowest Floor Elevation (distance between the top 
of the bottom floor and the highest adjacent grade) 
(+3’) = (+3’) for rating purposes (use the No BFE 
rates). The top of the bottom floor is 3’ above the 
highest adjacent grade. 
a. Lowest Floor Elevation (-2’) = (-2’) for rating 
purposes. The top of the bottom floor is below 
the highest adjacent grade by 2’. 
5. Zones V1–V30, VE Post-FIRM 1975–’81 
Lowest Floor Elevation – Base Flood Elevation 
(BFE) = Elevation Difference 
C. Optional Elevation Rating 
Pre-FIRM construction, at the option of the applicant, 
may be rated using Pre- or Post-FIRM rating. Once it is 
determined which rating will provide a lower premium, 
a policy may be endorsed to obtain a lower rate. 
Pre-FIRM buildings with subgrade crawlspaces that are 
below the BFE may use optional Post-FIRM elevation 
rating. For policy processing, follow the procedures in 
the Submit-for-Rate subsection in this section. This is 
the only Pre-FIRM construction that can be rated using 
the Submit-for-Rate procedures. Pre-FIRM buildings 
in AO and AH Zones with the basement/enclosure/ 
crawlspace/subgrade crawlspace at or above the BFE 
or Base Flood Depth are to use the With Certification 
of Compliance or Elevation Certificate rates and would 
not have to follow Submit-for-Rate procedures. 
IX. PRE-FIRM ELEVATED BUILDING RATED WITH 
PRE-FIRM RATES 
Pre-FIRM elevated buildings with no enclosures 
beneath the lowest elevated floor are to be rated 
using the No Basement rates. 
Pre-FIRM elevated buildings with 1 or more enclosures 
beneath the lowest elevated floor are to be rated 
using the With Enclosure or Elevated on Crawlspace 
rates as appropriate. 
X. AR ZONE AND AR DUAL ZONE RATING 
NOTE: AR Dual Zones appear on the FIRM as AR/AE, 
AR/AH, AR/AO, AR/A1–A30, and AR/A. 
For Pre-FIRM construction and Post-FIRM non-elevation 
rated risks, use the rates provided in Table 4. 
Structures in AR and AR Dual Zones with an Elevation 
Certificate may be rated using the rates provided in 
Table 5. 
XI. POST-FIRM AO ZONE RATING 
In Zone AO, when the Base Flood Depth number is not 
printed on the FIRM, a Base Flood Depth of 2 feet is 
an acceptable standard unless modified by community 
ordinance or state law. The difference from the top of 
the lowest floor to the highest adjacent ground (grade) 
must be greater than or equal to 2 feet in order to use 
the more favorable With Certification of Compliance 
or Elevation Certificate rates. If the difference is less 
than 2 feet, the Without Certification of Compliance 
rates are to be used.
 RATE 19 October 1, 2011 
XII. POST-FIRM RATING OF ELEVATED BUILDINGS 
IN ZONES B, C, X, A99, AND D 
Post-FIRM elevated buildings in the above zones with 
no enclosures beneath the lowest elevated floor are to 
be rated using the No Basement/Enclosure rates. 
Post-FIRM elevated buildings in the above zones with 1 
or more enclosures beneath the lowest elevated floor 
are to be rated using the With Enclosure rates unless 
all enclosures are properly vented. 
XIII. REGULAR PROGRAM V-ZONE POST-FIRM 
CONSTRUCTION 
A. Rating All V-Zone Buildings 
For an elevated building (building on posts, piles, or 
piers only) rated without an enclosure or obstruction, 
the zone V, V1–V30, and VE rates do not take into 
consideration the flood risk associated with any 
addition of a habitable area (finished or used as living 
or work area) below the lowest elevated floor. Further, 
rates do not allow for any flood risk to the machinery or 
equipment used to service the building located below 
the lowest elevated floor. 
NOTE: A 1975–’81 elevated building with an unfinished 
enclosure under 300 square feet, with breakaway 
walls, and without machinery or equipment, can be 
rated without taking into account the enclosure, 
but an elevated Post-FIRM building constructed on 
or after October 1, 1981, cannot. 
For all Post-FIRM non-elevated buildings constructed 
on or after October 1, 1981, the Submit-for-Rate 
procedures should be followed. 
B. Zones VE and V1–V30 — Enclosure Containing 
Machinery or Equipment Below BFE 
Follow these steps when determining the lowest floor 
for rating in zones VE and V1–V30 where there is an 
enclosure containing machinery or equipment located 
below the BFE: 
1. The bottom of the enclosure slab is the correct 
floor for rating. Determine whether the elevation in 
Item C2.c on the Elevation Certificate (bottom of 
lowest horizontal structural member) reflects the 
top or the bottom of the slab. 
2. If the lowest horizontal structural member is 
equal to or higher than Item C2.f on the Elevation 
Certificate (lowest adjacent grade), deduct (for 1–4 
family residences) 12 inches from the elevation 
found in Item C2.c and 18 inches for buildings 
other than 1–4 family. This estimated elevation 
is the elevation figure used for rating the flood 
insurance policy. 
3. If the surveyor has used Item C2.a on the Elevation 
Certificate (top of bottom floor including basement 
or enclosure) to indicate the elevation of the 
enclosure slab, then the bottom of the enclosure 
slab is the correct floor for rating. Determine 
whether the elevation in Item C2.a or Item C3.a 
reflects the top or the bottom of the slab. 
4. If Item C2.a is equal to or higher than Item C2.f, 
deduct (for 1–4 family residences) 12 inches from 
the elevation found in Item C2.a and 18 inches 
for buildings other than 1–4 family. This estimated 
elevation is the elevation figure used for rating the 
flood insurance policy. 
C. 1975–’81 Post-FIRM V-Zone Construction 
1975–’81 Post-FIRM V-Zone Construction refers to 
any V-Zone Post-FIRM building for which the start 
of construction or substantial improvement began 
January 1, 1975, through September 30, 1981. 
D. 1981 Post-FIRM V-Zone Construction 
1981 Post-FIRM V-Zone Construction refers to any 
V-Zone Post-FIRM building for which (1) the permit 
application date for the construction or substantial 
improvement is on or after October 1, 1981, or (2) the 
permit was issued before October 1, 1981, and the 
actual start date of construction did not begin within 
180 days of the permit date. 
E. Elevated Buildings – Post-FIRM V-Zone 
Construction 
1. Elevated Building Without Obstruction 
The area below the lowest elevated floor is open, 
with no obstruction, to allow the flow of floodwaters. 
Insect screening is permissible. Wooden or plastic 
lattice, slats, or shutters are also permissible if at 
least 40% of their area is open. Lattice can be no 
thicker than ½ inch; slats or shutters can be no 
thicker than 1 inch. 
In addition, buildings are considered without 
obstruction if the area below the lowest elevated 
floor is enclosed by a combination of 1 solid 
breakaway wall or garage door, and the other sides 
of the enclosure are insect screening, or wooden 
or plastic lattice, slats, or shutters. Machinery 
or equipment below the lowest elevated floor 
must be at or above the BFE. Use the rates from 
Table 3E. For unnumbered Zone V, use Submit-for- 
Rate procedures.
 RATE 20 May 1, 2011 
2. Elevated Building With Obstruction 
Buildings are rated With Obstruction if any of the 
following conditions are met: 
a. The area below the lowest elevated floor is 
enclosed fully by solid breakaway walls. 
b. The area below the lowest elevated floor is 
enclosed by a combination of 2 or more solid 
breakaway walls, with the remaining sides 
constructed of insect screening, or wooden or 
plastic lattice, slats, or shutters. 
c. Machinery or equipment below the lowest 
elevated floor is also below the BFE. 
Use the rates from Table 3F provided that the 
enclosure is less than 300 square feet with solid 
breakaway walls, or any machinery or equipment 
is below the BFE. For unnumbered Zone V, use 
Submit-for-Rate procedures. 
NOTE: For elevated buildings with non-breakaway 
walls below their lowest elevated floors, 
elevated buildings with habitable or finished 
areas located below their lowest elevated 
floors, or buildings with enclosures 300 square 
feet or greater, the Submit-for-Rate procedures 
should be followed. Agents/producers should 
be sure to include a recent photograph or 
blueprints, including a site grading plan if ocean 
front, a copy of the variance, and an Elevation 
Certificate with the Application form. 
Any addition to a building during a policy term 
that changes the applicable rates must be 
endorsed to the policy. Any additional premium 
must be paid by the insured. 
3. Replacement Cost Ratio 
The replacement cost ratio is needed to select the 
proper rate for insurance on buildings in 1981 Post- 
FIRM Construction V, V1–V30, and VE zones on 
or after October 1, 1981. The estimated building 
replacement cost is used in conjunction with 
the amount of the building insurance desired to 
determine the insurance-to-replacement-cost ratio. 
Replacement cost is defined as the amount of 
money required to replace or repair the insured 
building in the event of loss or damage, without 
a deduction for depreciation. The replacement 
cost ratio is determined by dividing the amount 
of building coverage purchased through the NFIP 
by the replacement cost of the building. Do not 
include excess coverage when determining the 
amount of coverage purchased. 
If the replacement cost of the building exceeds 
the maximum statutory building limit, use the 
replacement cost, not the maximum statutory 
building limit, in calculating the ratio. For example, 
if the residential building replacement cost is 
$1,000,000 and the amount of building coverage 
requested is the maximum statutory building limit 
of $250,000, the ratio is .25; use the rate listed 
for “Replacement Cost Ratio Under .50.” 
Place the rate in the appropriate box on the 
Application and continue with the premium 
calculation. 
4. Elevation Information 
The Lowest Floor Elevation must be identified for 
buildings in zones V, V1–V30, and VE. Note that 
the Lowest Floor Elevation is measured at the 
bottom of the lowest floor beam or slab, whichever 
is appropriate. 
The BFE, including wave height, must be identified 
for any building located in zones V1–V30 and VE. 
XIV. SPECIAL RATING SITUATIONS 
A. Tentative Rates 
Tentative rates are used to issue policies when 
agents/producers fail to provide the required actuarial 
rating information. With tentative rates, a policy will be 
generated with coverage limits based on the actual 
premium received. Tentatively rated policies cannot be 
endorsed to increase coverage limits, or renewed for 
another policy term, until the required actuarial rating 
information and full premium payment are received. 
Tentative rates are generally higher than other rates 
published in this manual (ranging from $2 to $10 per 
$100 of coverage). When tentative rates are applied, 
a declarations page and a Tentative Rate Letter will 
be forwarded to the policyholder, agent/producer, 
and mortgagee (if any), requesting the necessary 
information so that the proper rate can be determined. 
If a loss occurs on a tentatively rated property, 
payment will be limited by the amount of coverage that 
the initially submitted premium will purchase using the 
correct actuarial rating information. 
B. Alternative Rates 
When a building is Pre-FIRM and the FIRM zone is 
unknown, an alternative rating procedure can be used 
only if the building is located in a community that does 
not have any V Zones. In these cases, the NFIP will 
presume that the building is located in an SFHA, and 
the FIRM zone should be shown as Zone AA. AA is 
 RATE 23 May 1, 2011 
For V Zones, the enclosures must be 
constructed with breakaway walls (refer to 
the Lowest Floor Guide section for guidance). 
• • The building has not been altered in any 
way that has resulted in a lowest floor, for 
rating purposes, lower than the BFE on that 
FIRM (e.g., enclosing the area below an 
elevated building). 
• • The building has not been substantially 
improved. 
The property owner or agent/producer must 
provide proper documentation to the insurer. 
The documentation must show: the date of 
the FIRM; the zone on that FIRM in which 
the property is located; the BFE, if any, for 
that zone; a copy of the map panel showing 
the location of the building; and the rating 
element that is to be grandfathered. A letter 
from a community official verifying this 
information, or an Elevation Certificate, also 
is acceptable. 
Example: 
A building was constructed in 1980 and, 
according to the FIRM in effect at that time, 
was located in Zone AE. No insurance policy 
was purchased until 1990. At that time, 
remapping had occurred and the zone had 
been changed to a more hazardous area, 
Zone VE. The new policy can use Zone AE as 
the rating zone if the required documentation 
is provided. 
b. Pre-FIRM Construction 
Because there was no FIRM in effect on 
the date of construction, most Pre-FIRM 
construction is ineligible for the “built in 
compliance” grandfathering rule. The limited 
exceptions are those communities with initial 
FIRM dates prior to December 31, 1974. The 
“built in compliance” rule applies to Pre-FIRM 
construction only if the date of construction 
was on or before December 31, 1974, and 
was also on or after the FIRM date. The Flood 
Hazard Boundary Map (FHBM) cannot be used 
for grandfathering. 
Example: 
A building was constructed in November 1974 
and the FIRM date was May 3, 1973. The old 
map showed the building’s location as Zone C. 
Ten years later in 1984, a new map placed the 
building in an A Zone. Flood insurance coverage 
was applied for after the map was revised. To 
use the old map showing Zone C as the rating 
zone, proper documentation must be submitted. 
E. Post-’81 V-Zone Optional Rating 
This optional rating is available for new and renewal 
policies and endorsements with effective dates on 
or after October 1, 1997. All policies for Pre-FIRM 
buildings and 1975 through 1981 Post-FIRM buildings 
in Zones VE and V1–V30 are allowed to be rated using 
the Post-’81 V-Zone rate tables (Table 3E or 3F) if the 
rates are more favorable to the insured. In order to 
qualify, the following criteria must be met: 
1. The policy must be rated using the BFE printed 
on the FIRM panel that includes wave height. The 
effective date of the FIRM panel must be on or 
after 10/1/81. 
2. The building rates are determined based on the 
ratio of the estimated building replacement cost 
and the amount of insurance purchased. 
3. The building must be elevated free of obstruction 
or with obstruction less than 300 square feet. All 
machinery and equipment located below the BFE 
are considered obstructions. 
F. Policies Requiring Re-Rating 
The following conditions require that the policies be 
rated using the new map: 
1. If an elevation-rated building is altered, making the 
lowest floor for rating purposes below the BFE. 
Example: 
An elevated building is located in an AE Zone at the 
time of construction. The Lowest Floor Elevation 
(LFE) was 18’. The BFE was 10’. The lowest floor 
rating was an +8 elevation differential. The map 
was revised, changing the BFE to 11’. The insured 
decided to enclose the area beneath the elevated 
floor and use it as a living area. This changed the 
LFE to 9’. Due to the alteration, the new map must 
be used and the building is rated as -2. 
2. If a Pre-FIRM or Post-FIRM building is substantially 
improved, the building must be re-rated using the 
FIRM in effect at the time that the substantial 
improvement occurred. A newer FIRM can always 
be used if it will result in a more favorable rating. 
Example: 
A building was constructed in 1972 and, when 
flood insurance was applied for in 1976, was found 
to be located in Zone C. The FIRM was revised in 
1984. The building was substantially improved in 
1985. Due to the improvement, the building must 
 RATE 24 October 1, 2011 
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-rated policy. 
3. If a Pre-FIRM or Post-FIRM building has been 
declared substantially damaged by a local 
community official, the agent/producer must 
verify that the repair and/or reconstruction of the 
building has been made before the policy can be 
re-rated using the FIRM in effect at the time of the 
substantial improvement. 
In the event that the repair and/or reconstruction 
have not been made, the insurer may renew the policy 
using the proper rating prior to the loss. The agent/ 
producer or insured must notify the insurer when 
the actual repair is completed so the policy can be 
re-rated using the correct FIRM. 
Example: 
A building was constructed in 1986. Late that 
year, when the building was purchased and flood 
insurance was applied for, the building was found 
to be located in Zone A15. The FIRM was revised in 
February 2005. In August 2005, a major hurricane 
caused severe flooding and wind damage in the 
county in which the building is located. 
The community declared the building substantially 
damaged by flood. However, because of widespread 
devastation throughout the area, the property 
owner had difficulty finding a repair contractor. 
When the policy came up for renewal in December, 
repair of the building had barely begun. The policy 
may be renewed under its pre-flood rating. 
G. Submit-for-Rate 
Certain properties at high flood risk, because of 
peculiarities in their exposure to flooding, do not lend 
themselves to preprogrammed rates. These risks 
require an in-depth underwriting analysis and must 
be submitted to the insurer for an individual (specific) 
rate. As with other lines of property insurance, the 
underwriter requires documentation to evaluate those 
risk characteristics that make up the basis for a 
proper rate. 
The NFIP’s twofold goal of establishing sound 
actuarial rates and obtaining information for enforcing 
floodplain management requires that the following 
documentation be supplied for risks that fall within 
the Submit-for-Rate category: 
1. Completed NFIP Flood Insurance Application. 
2. Completed current Elevation Certificate. 
3. Variance issued by the local community stating that 
permission was granted to construct the building. 
If no variance was granted, a statement to that 
effect signed by the applicant or the applicant’s 
representative is required. 
4. Recent photographs of the building (front and 
back), or a blueprint (layout of the building) if the 
building is under construction. 
5. The square footage of any enclosures (including 
elevators) or crawlspaces below the elevated 
floor, the use of the enclosure/crawlspace, a 
list of machinery and equipment, and the 
approximate value of each item located in the 
enclosure/crawlspace. 
6. If the area below the elevated floor is enclosed 
using masonry walls and these walls are 
represented as being breakaway walls in V Zones, 
a signed letter of verification from a local building 
official, an engineer, or an architect. 
7. The number of elevators located below the lowest 
elevated floor of an elevated building and below 
the BFE. 
8. 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). 
9. If the building has a basement, a list of machinery 
and equipment located in the basement and each 
item’s approximate value. 
10. For elevated buildings, an Elevated Building 
Determination Form signed by the insured. 
11. For all Post-’81 V-Zone, non-elevated buildings, 
foundation/structural plans or, if foundation/ 
structural plans are not available, a written 
statement from the applicant or agent/producer 
providing the same information. 
For Submit-for-Rate policies written as NFIP Direct 
business, all of the appropriate documentation listed 
above must be mailed to the NFIP Servicing Agent, P.O. 
Box 2965, Shawnee Mission, KS 66201-1365. 
If the building is insurable, the Servicing Agent will 
deliver a written rate and the applicable ICC Premium 
to the producer. Since a rate must be determined 
on these risks, no premium is to accompany the 
submission. Coverage will be effective 30 days after 
the receipt of the premium at the NFIP, with the 
following 3 exceptions: 
 RATE 25 October 1, 2011 
• • If the coverage is in conjunction with the making, 
increasing, extending, or renewing of a loan, the 
effective date is on the day and time of the loan 
closing, provided that the policy is applied for and 
the presentment of premium is made at or prior to 
the loan closing. 
• • If a lender determines that a loan on a building 
located in an SFHA does not have flood insurance 
coverage but should be covered, then the coverage 
is effective upon the completion of an application 
and presentment of premium. 
• • If the new policy is being obtained as a result of 
a revision to a community’s flood map, during the 
13-month period beginning on the effective date 
of the map revision, the effective date shall be 
12:01 a.m., local time, following the day after 
the presentment of premium. For the NFIP Direct 
business, the presentment of premium is the same 
as the receipt date of the full premium at the NFIP 
Servicing Agent. 
Submit-for-Rate quotations, excluding the ICC 
Premium, Federal Policy Fee, and Probation Surcharge, 
if applicable, are valid for 90 days. After 90 days, 
the Flood Insurance Application and supporting 
documentation must be resubmitted for another 
determination of the rating. 
H. Crawlspace 
A building with a “crawlspace” (under-floor space) 
has its interior floor area (finished or not) no more 
than 5 feet below the top of the next-higher floor. If 
a crawlspace is below grade on all sides, and the 
elevation of the crawlspace floor is below the BFE, the 
crawlspace must be rated according to the guidelines 
found in the Lowest Floor Guide section. For the 
purpose of completing the Flood Insurance Application, 
the building must be described as a “non-elevated 
building with basement.” 
NFIP rules and regulations specify that a crawlspace 
with its interior floor below grade on all sides is 
considered a basement; therefore, the SFIP basement 
coverage limitations apply to such crawlspaces. 
A building with a crawlspace that is not subgrade must 
be described as an elevated building. 
Pre-FIRM buildings with subgrade crawlspaces that are 
below the BFE may use optional Post-FIRM elevation 
rating. Follow the Submit-for-Rate procedures when 
using this optional rating.
 RATE 26 May 1, 2011 
XV. CONTENTS LOCATION 
A. Single-Family Dwellings 
For rating purposes, contents in a single-family dwelling are considered to be located throughout the entire 
building regardless of the building type, with limited coverage in a basement and an enclosed area beneath the 
lowest elevated floor. Refer to the SFIP. 
B. Multi-Family and Non-Residential Buildings 
The shaded areas in the illustrations below identify the location of the contents. The rates for contents located in 
the area indicated will be established based on the zone, construction date, and building description. 
1. Non -Elevated Buildings (contents in shaded areas) 
Building Type 
(including basement, if any) Basement Contents 
ADJACENT GROUND 
• • 1 Floor 
or 
• • 2 Floors 
• • None • • Lowest Floor 
Only Above 
Ground Level 
FINISHED 
BASEMENTS 
ADJACENT 
GROUND 
BASE FLOOD 
ELEVATION 
• • 2 Floors 
or 
• • 3 or More Floors 
• • Finished • • Basement Only 
LIMITED COVERAGE IN BASEMENT 
ADJACENT GROUND 
• • 2 Floors 
or 
• • 3 or More Floors 
• • None • • Lowest Floor 
Above Ground 
Level and 
Higher Floors 
FINISHED 
BASEMENTS 
ADJACENT 
GROUND 
BASE FLOOD 
ELEVATION 
• • 2 Floors 
or 
• • 3 or More Floors 
• • Finished • • Basement 
and Above 
LIMITED COVERAGE IN BASEMENT 
UNFINISHED 
BASEMENTS 
ADJACENT 
GROUND 
• • 2 Floors 
or 
• • 3 or More Floors 
• • Unfinished • • Basement 
and Above 
LIMITED COVERAGE IN BASEMENT 
On Application Form
 RATE 27 May 1, 2011 
Building Type 
(including basement, if any) Basement Contents 
ADJACENT GROUND 
• • 2 Floors 
or 
• • 3 or More Floors 
• • Finished 
or 
• • Unfinished 
• • Lowest Floor 
Above Ground 
Level and 
Higher Floors 
ADJACENT GROUND 
• • 2 Floors 
or 
• • 3 or More Floors 
• • None 
or 
• • Finished 
or 
• • Unfinished 
• • Above Ground 
Level More Than 
1 Full Floor 
Non -Elevated Buildings continued (contents in shaded areas) 
On Application Form
 RATE 28 October 1, 2011 
2. Elevated Buildings (contents in shaded areas) 
Building Type 
(including enclosure, if any) Enclosure Contents 
PILINGS 
ADJACENT GROUND 
Elevated building free of obstruction 
• • 1 floor • • None • • Lowest Floor 
Only Above 
Ground Level 
PILINGS 
ADJACENT GROUND 
Elevated building free of obstruction 
• • 2 floors • • None • • Lowest Floor 
Above Ground 
Level And 
Higher Floor 
ENCLOSURE PILINGS 
ADJACENT GROUND 
Elevated building with enclosure 
below lowest elevated floor 
• • 3 or more floors • • Unfinished • • Basement/ 
Enclosure and 
Above 
LIMITED COVERAGE IN ENCLOSED AREA 
PILINGS 
ADJACENT GROUND 
Elevated building, multiple occupancy, 
no enclosure 
• • 3 or more floors • • None • • Lowest Floor 
Only Above 
Ground Level 
PILINGS 
ADJACENT GROUND 
Elevated building, multiple occupancy, 
no enclosure 
• • 3 or more floors • • None • • Above Ground 
Level More 
Than 1 Full 
Floor 
ENCLOSURE PILINGS 
ADJACENT GROUND 
Elevated building, multiple occupancy, 
with enclosure 
• • 3 or more floors • • Unfinished • • Above Ground 
Level More 
Than 1 Full 
Floor 
On Application Form
 RATE 49 October 1, 2011 
EXAMPLE 2 
Regular Program , Pre -firm Construction , $2,000/$1,000 DEDUCTIBLE OPTION, ZONE B 
Data Essential to Determine Appropriate Rates and Premium: 
Regular Program: 
• • Flood Zone: B 
• • Occupancy: Single-Family Dwelling 
• • Number of Floors: 2 
• • Basement/Enclosure: None 
• • Deductible: $2,000/$1,000 
• • Deductible Factor: 0.95 
• • Contents Location: Lowest Floor Above Ground Level and Higher Floors 
• • Date of Construction: Pre-FIRM 
• • Elevation Difference: N/A 
• • Floodproofed (Yes/No): No 
• • Building Coverage: $150,000 
• • Contents Coverage: $60,000 
• • ICC Premium: $5 
• • CRS Rating: N/A 
• • CRS Discount: N/A 
Determined Rates: 
Building: .91/.24 Contents: 1.39/.43 
BASIC LIMITS 
ADDITIONAL LIMITS 
(REGULAR PROGRAM ONLY) DEDUCTIBLE 
BASIC AND 
ADDITIONAL 
TOTAL 
COVERAGE PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
PREM. REDUCTION/ 
INCREASE 
TOTAL AMOUNT 
OF INSURANCE 
BUILDING $60,000 .91 $546 $90,000 .24 $216 -$38 $150,000 $ 724 
CONTENTS $25,000 1.39 $348 $35,000 .43 $151 -$25 $ 60,000 $ 474 
RATE TYPE (ONE BUILDING PER POLICY — BLANKET COVERAGE NOT PERMITTED): 
MANUAL SUBMIT FOR RATING 
ALTERNATIVE V-ZONE RISK RATING FORM 
PROVISIONAL RATING LEASED FEDERAL PROPERTY 
MORTGAGE PORTFOLIO PROTECTION PROGRAM 
PAYMENT OPTION: 
CREDIT CARD 
OTHER: 
ANNUAL SUBTOTAL $1,198 
ICC PREMIUM $ 5 
SUBTOTAL $1,203 
CRS PREMIUM DISCOUNT % — 
SUBTOTAL $1,203 
The above statements are corect to the best of my knowledge . I understand that any false 
statements may be punishable by fine OR imprisonment under aplicable federal law . 
SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) 
PROBATION SURCHARGE — 
FEDERAL POLICY FEE $ 40 
TOTAL PREPAID AMOUNT $1,243 
Premium Calculation: 
1. Multiply Rate × $100 of Coverage: Building: $762 / Contents: $499 
2. Apply Deductible Factor: Building: 0.95 × $762 = $724 / Contents: 0.95 × $499 = $474 
3. Premium Decrease: Building: $762 – $724 = $38 / Contents: $499 – $474 = $25 
4. Subtotal: $1,198 
5. Add ICC Premium: $5 
6. Subtract CRS Discount: N/A 
7. Subtotal: $1,203 
8. Probation Surcharge: N/A 
9. Add Federal Policy Fee: $40 
10. Total Prepaid Amount: $1,243
 RATE 50 October 1, 2011 
EXAMPLE 3 
Regular Program , Pre -firm Construction , $1,000 deductible option (SURCHARGE), ZONE AE 
Data Essential to Determine Appropriate Rates and Premium: 
Regular Program: 
• • Flood Zone: AE 
• • Occupancy: Single-Family Dwelling 
• • Number of Floors: 2 
• • Basement/Enclosure: Enclosure 
• • Deductible: $1,000/$1,000 
• • Deductible Factor: 1.100 
• • Contents Location: Enclosure and Above 
• • Date of Construction: Pre-FIRM 
• • Elevation Difference: N/A 
• • Floodproofed (Yes/No): No 
• • Building Coverage: $150,000 
• • Contents Coverage: $60,000 
• • ICC Premium: $70 
• • CRS Rating: N/A 
• • CRS Discount: N/A 
Determined Rates: 
Building: .81/1.17 Contents: .96/1.18 
BASIC LIMITS 
ADDITIONAL LIMITS 
(REGULAR PROGRAM ONLY) DEDUCTIBLE 
BASIC AND 
ADDITIONAL 
TOTAL 
COVERAGE PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
PREM. REDUCTION/ 
INCREASE 
TOTAL AMOUNT 
OF INSURANCE 
BUILDING $60,000 .81 $486 $90,000 1.17 $1,053 +$154 $150,000 $1,693 
CONTENTS $25,000 .96 $240 $35,000 1.18 $ 413 +$ 65 $ 60,000 $ 718 
RATE TYPE (ONE BUILDING PER POLICY — BLANKET COVERAGE NOT PERMITTED): 
MANUAL SUBMIT FOR RATING 
ALTERNATIVE V-ZONE RISK RATING FORM 
PROVISIONAL RATING LEASED FEDERAL PROPERTY 
MORTGAGE PORTFOLIO PROTECTION PROGRAM 
PAYMENT OPTION: 
CREDIT CARD 
OTHER: 
ANNUAL SUBTOTAL $2,411 
ICC PREMIUM $ 70 
SUBTOTAL $2,481 
CRS PREMIUM DISCOUNT % — 
SUBTOTAL $2,481 
The above statements are corect to the best of my knowledge . I understand that any false 
statements may be punishable by fine OR imprisonment under aplicable federal law . 
SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) 
PROBATION SURCHARGE — 
FEDERAL POLICY FEE $ 40 
TOTAL PREPAID AMOUNT $2,521 
Premium Calculation: 
1. Multiply Rate × $100 of Coverage: Building: $1,539 / Contents: $653 
2. Apply Deductible Factor: Building: 1.100 × $1,539 = $1,693 / Contents: 1.100 × $653 = $718 
3. Premium Increase: Building: $1,693 – $1,539 = $154 / Contents: $718 – $653 = $65 
4. Subtotal: $2,411 
5. Add ICC Premium: $70 
6. Subtract CRS Discount: N/A 
7. Subtotal: $2,481 
8. Probation Surcharge: N/A 
9. Add Federal Policy Fee: $40 
10. Total Prepaid Amount: $2,521
 RATE 51 October 1, 2011 
EXAMPLE 4 
REGULAR PROGRAM, PRE-FIRM CONSTRUCTION, $3,000/$2,000 DEDUCTIBLE OPTION, ZONE A15 
Data Essential to Determine Appropriate Rates and Premium: 
Regular Program: 
• • Flood Zone: A15 
• • Occupancy: Single-Family Dwelling 
• • Number of Floors: 3 
• • Basement/Enclosure: Basement 
• • Deductible: $3,000/$2,000 Building and Contents 
• • Deductible Factor: .950 
• • Contents Location: Basement and Above 
• • Date of Construction: Pre-FIRM 
• • Elevation Difference: N/A 
• • Floodproofed (Yes/No): No 
• • Building Coverage: $250,000 
• • Contents Coverage: $100,000 
• • ICC Premium: $55 
• • CRS Rating: 4 
• • CRS Discount: 30% 
Determined Rates: 
Building: .81/.97 Contents: .96/.99 
BASIC LIMITS 
ADDITIONAL LIMITS 
(REGULAR PROGRAM ONLY) DEDUCTIBLE 
BASIC AND 
ADDITIONAL 
TOTAL 
COVERAGE PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
PREM. REDUCTION/ 
INCREASE 
TOTAL AMOUNT 
OF INSURANCE 
BUILDING $60,000 .81 $486 $190,000 .97 $1,843 -$116 $250,000 $2,213 
CONTENTS $25,000 .96 $240 $ 75,000 .99 $ 743 -$ 49 $100,000 $ 934 
RATE TYPE (ONE BUILDING PER POLICY — BLANKET COVERAGE NOT PERMITTED): 
MANUAL SUBMIT FOR RATING 
ALTERNATIVE V-ZONE RISK RATING FORM 
PROVISIONAL RATING LEASED FEDERAL PROPERTY 
MORTGAGE PORTFOLIO PROTECTION PROGRAM 
PAYMENT OPTION: 
CREDIT CARD 
OTHER: 
ANNUAL SUBTOTAL $3,147 
ICC PREMIUM $ 55 
SUBTOTAL $3,202 
CRS PREMIUM DISCOUNT 30% -$ 961 
SUBTOTAL $2,241 
The above statements are corect to the best of my knowledge . I understand that any false 
statements may be punishable by fine OR imprisonment under aplicable federal law . 
SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) 
PROBATION SURCHARGE — 
FEDERAL POLICY FEE $ 40 
TOTAL PREPAID AMOUNT $2,281 
Premium Calculation: 
1. Multiply Rate × $100 of Coverage: Building: $2,329 / Contents: $983 
2. Apply Deductible Factor: Building: .950 × $2,329 = $2,213/ Contents: .950 × $983 = $934 
3. Premium Reduction: Building: $2,329 – $2,213 = $116 / Contents: $983 – $934 = $49 
4. Subtotal: $3,147 
5. Add ICC Premium: $55 
6. Subtract CRS Discount: -$961 (30%) 
7. Subtotal: $2,241 
8. Probation Surcharge: N/A 
9. Add Federal Policy Fee: $40 
10. Total Prepaid Amount: $2,281
 RATE 52 May 1, 2011 
EXAMPLE 5 
REGULAR PROGRAM, POST-FIRM, ELEVATION RATED, $5,000/$5,000 DEDUCTIBLE OPTION, ZONE AE 
Data Essential to Determine Appropriate Rates and Premium: 
Regular Program: 
• • Flood Zone: AE 
• • Occupancy: Non-Residential 
• • Number of Floors: 2 
• • Basement/Enclosure: None 
• • Deductible: $5,000/$5,000 
• • Deductible Factor: .890 
• • Contents Location: Above Ground Level and Higher Floors 
• • Date of Construction: Post-FIRM 
• • Elevation Difference: +4 
• • Floodproofed (Yes/No): No 
• • Building Coverage: $500,000 
• • Contents Coverage: $500,000 
• • ICC Premium: $4 
• • CRS Rating: 5 
• • CRS Discount: 25% 
Determined Rates: 
Building: .20/.08 Contents: .22/.12 
BASIC LIMITS 
ADDITIONAL LIMITS 
(REGULAR PROGRAM ONLY) DEDUCTIBLE 
BASIC AND 
ADDITIONAL 
TOTAL 
COVERAGE PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
PREM. REDUCTION/ 
INCREASE 
TOTAL AMOUNT 
OF INSURANCE 
BUILDING $175,000 .20 $350 $325,000 .08 $260 -$67 $500,000 $ 543 
CONTENTS $150,000 .22 $330 $350,000 .12 $420 -$82 $500,000 $ 668 
RATE TYPE (ONE BUILDING PER POLICY — BLANKET COVERAGE NOT PERMITTED): 
MANUAL SUBMIT FOR RATING 
ALTERNATIVE V-ZONE RISK RATING FORM 
PROVISIONAL RATING LEASED FEDERAL PROPERTY 
MORTGAGE PORTFOLIO PROTECTION PROGRAM 
PAYMENT OPTION: 
CREDIT CARD 
OTHER: 
ANNUAL SUBTOTAL $1,211 
ICC PREMIUM $ 4 
SUBTOTAL $1,215 
CRS PREMIUM DISCOUNT 25% - $ 304 
SUBTOTAL $ 911 
The above statements are corect to the best of my knowledge . I understand that any false 
statements may be punishable by fine OR imprisonment under aplicable federal law . 
SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) 
PROBATION SURCHARGE — 
FEDERAL POLICY FEE $ 40 
TOTAL PREPAID AMOUNT $ 951 
Premium Calculation: 
1. Multiply Rate × $100 of Coverage: Building: $610 / Contents: $750 
2. Apply Deductible Factor: Building: .890 × $610 = $543 / Contents: .890 × $750 = $668 
3. Premium Reduction: Building: $610 – $543 = $67 / Contents: $750 – $668 = $82 
4. Subtotal: $1,211 
5. Add ICC Premium: $4 
6. Subtract CRS Discount: –$304 (25%) 
7. Subtotal: $911 
8. Probation Surcharge: N/A 
9. Add Federal Policy Fee: $40 
10. Total Prepaid Amount: $951
 RATE 53 October 1, 2011 
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 
• • Number of Floors: 2 
• • Basement/Enclosure: None 
• • Deductible: $1,000/$1,000 
• • Deductible Factor: 1.000 
• • Contents Location: Lowest Floor Above Ground Level and Higher Floors 
• • Date of Construction: 1975–’81 (Post-FIRM) 
• • Elevation Difference: +1 
• • Floodproofed (Yes/No): No 
• • Building Coverage: $150,000 
• • Contents Coverage: $100,000 
• • ICC Premium: $30 
• • CRS Rating: 8 
• • CRS Discount: 10% 
Determined Rates: 
Building: 2.53/.56 Contents: 2.83/.91 
BASIC LIMITS 
ADDITIONAL LIMITS 
(REGULAR PROGRAM ONLY) DEDUCTIBLE 
BASIC AND 
ADDITIONAL 
TOTAL 
COVERAGE PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
PREM. REDUCTION/ 
INCREASE 
TOTAL AMOUNT 
OF INSURANCE 
BUILDING $60,000 2.53 $1,518 $90,000 .56 $504 $0 $150,000 $2,022 
CONTENTS $25,000 2.83 $ 708 $75,000 .91 $683 $0 $100,000 $1,391 
RATE TYPE (ONE BUILDING PER POLICY — BLANKET COVERAGE NOT PERMITTED): 
MANUAL SUBMIT FOR RATING 
ALTERNATIVE V-ZONE RISK RATING FORM 
PROVISIONAL RATING LEASED FEDERAL PROPERTY 
MORTGAGE PORTFOLIO PROTECTION PROGRAM 
PAYMENT OPTION: 
CREDIT CARD 
OTHER: 
ANNUAL SUBTOTAL $3,413 
ICC PREMIUM $ 30 
SUBTOTAL $3,443 
CRS PREMIUM DISCOUNT 10% -$ 344 
SUBTOTAL $3,099 
The above statements are corect to the best of my knowledge . I understand that any false 
statements may be punishable by fine OR imprisonment under aplicable federal law . 
SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) 
PROBATION SURCHARGE — 
FEDERAL POLICY FEE $ 40 
TOTAL PREPAID AMOUNT $3,139 
Premium Calculation: 
1. Multiply Rate × $100 of Coverage: Building: $2,022 / Contents: $1,391 
2. Apply Deductible Factor: Building: 1.000 × $2,022 = $2,022/Contents: 1.000 × $1,391 = $1,391 
3. Premium Reduction/Increase: Building: $0 / Contents: $0 
4. Subtotal: $3,413 
5. Add ICC Premium: $30 
6. Subtract CRS Discount: -$344 (10%) 
7. Subtotal: $3,099 
8. Probation Surcharge: N/A 
9. Add Federal Policy Fee: $40 
10. Total Prepaid Amount: $3,139
 RATE 54 October 1, 2011 
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 
• • Number of Floors: 3 or More 
• • Basement/Enclosure: Enclosure (< 300 sq. ft., w/o M&E) 
• • Deductible: $3,000/$3,000 
• • Deductible Factor: .850 
• • Contents Location: Lowest Floor Above Ground Level and Higher Floors 
• • Date of Construction: Post-’81 
• • Elevation Difference: -1 
• • Floodproofed (Yes/No): No 
• • Replacement Cost: $300,000 
• • Building Coverage: $250,000 
• • Contents Coverage: $100,000 
• • ICC Premium: $13 
• • CRS Rating: 9 
• • CRS Discount: N/A 
Determined Rates: 
Building: 4.37/4.37 Contents: 3.02/3.02 
BASIC LIMITS 
ADDITIONAL LIMITS 
(REGULAR PROGRAM ONLY) DEDUCTIBLE 
BASIC AND 
ADDITIONAL 
TOTAL 
COVERAGE PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
PREM. REDUCTION/ 
INCREASE 
TOTAL AMOUNT 
OF INSURANCE 
BUILDING $60,000 4.37 $2,622 $190,000 4.37 $8,303 -$1,639 $250,000 $ 9,286 
CONTENTS $25,000 3.02 $ 755 $75,000 3.02 $2,265 -$ 453 $100,000 $ 2,567 
RATE TYPE (ONE BUILDING PER POLICY — BLANKET COVERAGE NOT PERMITTED): 
MANUAL SUBMIT FOR RATING 
ALTERNATIVE V-ZONE RISK RATING FORM 
PROVISIONAL RATING LEASED FEDERAL PROPERTY 
MORTGAGE PORTFOLIO PROTECTION PROGRAM 
PAYMENT OPTION: 
CREDIT CARD 
OTHER: 
ANNUAL SUBTOTAL $11,853 
ICC PREMIUM $ 13 
SUBTOTAL $11,866 
CRS PREMIUM DISCOUNT 5 % -$ 593 
SUBTOTAL $11,273 
The above statements are corect to the best of my knowledge . I understand that any false 
statements may be punishable by fine OR imprisonment under aplicable federal law . 
SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) 
PROBATION SURCHARGE — 
FEDERAL POLICY FEE $ 40 
TOTAL PREPAID AMOUNT $11,313 
Premium Calculation: 
1. Multiply Rate × $100 of Coverage: Building: $10,925 / Contents: $3,020 
2. Apply Deductible Factor: Building: .850 × $10,925 = $9,286 / Contents: .850 × $3,020 = $2,567 
3. Premium Reduction: Building: $10,925 – $9,286 = $1,639 / Contents: $3,020 – $2,567 = $453 
4. Subtotal: $11,853 
5. Add ICC Premium: $13 
6. Subtract CRS Discount: -$593 (5%) 
7. Subtotal: $11,273 
8. Probation Surcharge: N/A 
9. Add Federal Policy Fee: $40 
10. Total Prepaid Amount: $11,313
 RATE 55 May 1, 2011 
EXAMPLE 8 
REGULAR PROGRAM, POST-FIRM CONSTRUCTION, CONTENTS-ONLY POLICY, ZONE A17 
Data Essential to Determine Appropriate Rates and Premium: 
Regular Program: 
• • Flood Zone: A17 
• • Occupancy: 2–4 Family Dwelling (Renter’s Policy) 
• • Number of Floors: 2 
• • Basement/Enclosure: None 
• • Deductible: $1,000 
• • Deductible Factor: 1.000 
• • Contents Location: Above Ground Level More Than 1 Full Floor 
• • Date of Construction: Post-FIRM 
• • Elevation Difference: +2 
• • Floodproofed (Yes/No): No 
• • Building Coverage: N/A 
• • Contents Coverage: $100,000 
• • ICC Premium: N/A 
• • CRS Rating: N/A 
• • CRS Discount: N/A 
Determined Rates: 
Building: N/A Contents: .35/.12 
BASIC LIMITS 
ADDITIONAL LIMITS 
(REGULAR PROGRAM ONLY) DEDUCTIBLE 
BASIC AND 
ADDITIONAL 
TOTAL 
COVERAGE PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
PREM. REDUCTION/ 
INCREASE 
TOTAL AMOUNT 
OF INSURANCE 
BUILDING 
CONTENTS $25,000 .35 $88 $75,000 .12 $90 $0 $100,000 $178 
RATE TYPE (ONE BUILDING PER POLICY — BLANKET COVERAGE NOT PERMITTED): 
MANUAL SUBMIT FOR RATING 
ALTERNATIVE V-ZONE RISK RATING FORM 
PROVISIONAL RATING LEASED FEDERAL PROPERTY 
MORTGAGE PORTFOLIO PROTECTION PROGRAM 
PAYMENT OPTION: 
CREDIT CARD 
OTHER: 
ANNUAL SUBTOTAL $178 
ICC PREMIUM — 
SUBTOTAL $178 
CRS PREMIUM DISCOUNT % — 
SUBTOTAL $178 
The above statements are corect to the best of my knowledge . I understand that any false 
statements may be punishable by fine OR imprisonment under aplicable federal law . 
SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) 
PROBATION SURCHARGE — 
FEDERAL POLICY FEE $ 40 
TOTAL PREPAID AMOUNT $218 
Premium Calculation: 
1. Multiply Rate × $100 of Coverage: Building: N/A / Contents: $178 
2. Apply Deductible Factor: Building: N/A / Contents: 1.000 × $178 = $178 
3. Premium Reduction/Increase: Building: N/A / Contents: $0 
4. Subtotal: $178 
5. Add ICC Premium: N/A 
6. Subtract CRS Discount: N/A 
7. Subtotal: $178 
8. Probation Surcharge: N/A 
9. Add Federal Policy Fee: $40 
10. Total Prepaid Amount: $218
 RATE 60 October 1, 2011 
EXAMPLE 13 
REGULAR PROGRAM, POST-FIRM, ELEVATION RATED, $1,000/$1,000 DEDUCTIBLE OPTION, 
ZONE A (WITH BFE) 
Data Essential to Determine Appropriate Rates and Premium: 
Regular Program: 
• • Flood Zone: A 
• • Occupancy: 2–4 Family Dwelling 
• • Number of Floors: 2 
• • Basement/Enclosure: None 
• • Deductible: $1,000/$1,000 
• • Deductible Factor: 1.000 
• • Contents Location: Above Ground Level and Higher Floors 
• • Date of Construction: Post-FIRM 
• • Elevation Difference: +6 (with BFE) 
• • Floodproofed (Yes/No): No 
• • Building Coverage: $140,000 
• • Contents Coverage: $70,000 
• • ICC Premium: $5 
• • CRS Rating: N/A 
• • CRS Discount: N/A 
Determined Rates: 
Building: .44/.08 Contents: .38/.12 
BASIC LIMITS 
ADDITIONAL LIMITS 
(REGULAR PROGRAM ONLY) DEDUCTIBLE 
BASIC AND 
ADDITIONAL 
TOTAL 
COVERAGE PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
PREM. REDUCTION/ 
INCREASE 
TOTAL AMOUNT 
OF INSURANCE 
BUILDING $60,000 .44 $264 $80,000 .08 $64 $0 $140,000 $328 
CONTENTS $25,000 .38 $ 95 $45,000 .12 $54 $0 $ 70,000 $149 
RATE TYPE (ONE BUILDING PER POLICY — BLANKET COVERAGE NOT PERMITTED): 
MANUAL SUBMIT FOR RATING 
ALTERNATIVE V-ZONE RISK RATING FORM 
PROVISIONAL RATING LEASED FEDERAL PROPERTY 
MORTGAGE PORTFOLIO PROTECTION PROGRAM 
PAYMENT OPTION: 
CREDIT CARD 
OTHER: 
ANNUAL SUBTOTAL $477 
ICC PREMIUM $ 5 
SUBTOTAL $482 
CRS PREMIUM DISCOUNT % — 
SUBTOTAL $482 
The above statements are corect to the best of my knowledge . I understand that any false 
statements may be punishable by fine OR imprisonment under aplicable federal law . 
SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) 
PROBATION SURCHARGE — 
FEDERAL POLICY FEE $ 40 
TOTAL PREPAID AMOUNT $522 
Premium Calculation: 
1. Multiply Rate × $100 of Coverage: Building: $328 / Contents: $149 
2. Apply Deductible Factor: Building: 1.000 × $328 = $328 / Contents: 1.000 × $149 = $149 
3. Premium Reduction/Increase: Building: $0 / Contents = $0 
4. Subtotal: $477 
5. Add ICC Premium: $5 
6. Subtract CRS Discount: N/A 
7. Subtotal: $482 
8. Probation Surcharge: N/A 
9. Add Federal Policy Fee: $40 
10. Total Prepaid Amount: $522
 RATE 61 October 1, 2011 
EXAMPLE 14 
REGULAR PROGRAM, POST-FIRM, ELEVATION RATED, $1,000/$1,000 DEDUCTIBLE OPTION, 
ZONE A (WITHOUT BFE) 
Data Essential to Determine Appropriate Rates and Premium: 
Regular Program: 
• • Flood Zone: A 
• • Occupancy: Single-Family Dwelling 
• • Number of Floors: 2 
• • Basement/Enclosure: None 
• • Deductible: $1,000/$1,000 
• • Deductible Factor: 1.000 
• • Contents Location: Lowest Floor Above Ground Level and Higher Floors 
• • Date of Construction: Post-FIRM 
• • Elevation Difference: +5 (without BFE) 
• • Floodproofed (Yes/No): No 
• • Building Coverage: $135,000 
• • Contents Coverage: $60,000 
• • ICC Premium: $5 
• • CRS Rating: N/A 
• • CRS Discount: N/A 
Determined Rates: 
Building: .46/.08 Contents: .44/.12 
BASIC LIMITS 
ADDITIONAL LIMITS 
(REGULAR PROGRAM ONLY) DEDUCTIBLE 
BASIC AND 
ADDITIONAL 
TOTAL 
COVERAGE PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
PREM. REDUCTION/ 
INCREASE 
TOTAL AMOUNT 
OF INSURANCE 
BUILDING $60,000 .46 $276 $75,000 .08 $60 $0 $135,000 $336 
CONTENTS $25,000 .44 $110 $35,000 .12 $42 $0 $ 60,000 $152 
RATE TYPE (ONE BUILDING PER POLICY — BLANKET COVERAGE NOT PERMITTED): 
MANUAL SUBMIT FOR RATING 
ALTERNATIVE V-ZONE RISK RATING FORM 
PROVISIONAL RATING LEASED FEDERAL PROPERTY 
MORTGAGE PORTFOLIO PROTECTION PROGRAM 
PAYMENT OPTION: 
CREDIT CARD 
OTHER: 
ANNUAL SUBTOTAL $488 
ICC PREMIUM $ 5 
SUBTOTAL $493 
CRS PREMIUM DISCOUNT % — 
SUBTOTAL $493 
The above statements are corect to the best of my knowledge . I understand that any false 
statements may be punishable by fine OR imprisonment under aplicable federal law . 
SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) 
PROBATION SURCHARGE — 
FEDERAL POLICY FEE $ 40 
TOTAL PREPAID AMOUNT $533 
Premium Calculation: 
1. Multiply Rate × $100 of Coverage: Building: $336 / Contents: $152 
2. Apply Deductible Factor: Building: 1.000 × $336 = $336 / Contents: 1.000 × $152 = $152 
3. Premium Reduction/Increase: Building: $0 / Contents: $0 
4. Subtotal: $488 
5. Add ICC Premium: $5 
6. Subtract CRS Discount: N/A 
7. Subtotal: $493 
8. Probation Surcharge: N/A 
9. Add Federal Policy Fee: $40 
10. Total Prepaid Amount: $533


CONDOMINIUMS 
 CONDO 1 October 1, 2011 
Important Notice to Agents/Producers: 
Boards of directors of condominium associations typically are responsible under their by-laws for maintaining all 
forms of property insurance necessary to protect the common property of the association against all hazards 
to which that property is exposed for the insurable value/replacement cost of those common elements. This 
responsibility would typically include providing adequate flood insurance protection for all common property 
located in Special Flood Hazard Areas (SFHAs). Such by-law requirements could make the individual members of 
the boards of directors of such associations personally liable for insurance errors or omissions, including those 
relating to flood insurance. 
I. METHODS OF INSURING CONDOMINIUMS 
There are 4 methods of insuring condominiums 
under the National Flood Insurance Program (NFIP). 
Each method has its own eligibility requirements for 
condominium type. Only residential buildings having 
a condominium form of ownership are eligible for 
the Residential Condominium Building Association 
Policy (RCBAP). 
A. Residential Condominium: Association Coverage 
on Building and Contents 
A condominium association is the corporate entity 
responsible for the management and operation of 
a condominium. Membership is made up of the 
condominium unit owners. A condominium association 
may purchase insurance coverage on a residential 
building and its contents under the RCBAP. The 
RCBAP covers only a residential condominium building 
in a Regular Program community. If the named insured 
is listed as other than a condominium association, 
the agent/producer must provide legal documentation 
to confirm that the insured is a condominium 
association. (See the Eligibility Requirements 
subsection in this section.) 
B. Residential Condominium: Unit Owner’s 
Coverage on Building and Contents 
A residential condominium unit in a high-rise or lowrise 
building, including a townhouse or rowhouse, 
is considered to be a single-family residence. An 
individual dwelling unit in a condominium building may 
be insured in any 1 of the following 4 ways: 
1. An individual unit and its contents may be 
separately insured under the Dwelling Form, in the 
name of the unit owner, at the limits of insurance 
for a single-family dwelling. 
2. An individual unit may be separately insured under 
the Dwelling Form, if purchased by the association 
in the name of the unit owner and the association 
as their interests may appear, up to the limits of 
insurance for a single-family dwelling. 
3. An individual unit owned by the association may 
be separately insured under the Dwelling Form, if 
purchased by the condominium association. The 
single-family limits of insurance apply. 
4. An individual non-residential unit owner may not 
purchase building coverage. However, contentsonly 
coverage can be purchased either under 
the General Property Form or the Dwelling Form, 
depending on the type of contents. 
A policy on a condominium unit will be issued naming 
the unit owner and the association, as their interests 
may appear. Coverage under a unit owner’s policy 
applies first to the individually owned building elements 
and improvements to the unit and then to the damage 
of the building’s common elements that are the unit 
owner’s responsibility. 
In the event of a loss, the claim payment to an individual 
unit owner may not exceed the maximum allowable in 
the Program. 
C. Non-Residential (Commercial) Condominium: 
Building and Contents 
Non-residential (commercial) condominium buildings 
and their commonly owned contents may be insured 
in the name of the association under the General 
Property Form. The “non-residential” limits apply. 
D. Non-Residential (Commercial) Condominium: 
Unit Owner’s Coverage (Contents) 
The owner of a non-residential or residential 
condominium unit within a non-residential condominium 
building may purchase only contents coverage for that 
unit. Building coverage may not be purchased in the 
name of the unit owner. 
In the event of a loss, up to 10% of the stated amount 
of contents coverage can be applied to losses to 
condominium interior walls, floors, and ceilings. The 
10% is not an additional amount of insurance.
 CONDO 2 October 1, 2011 
TABLE 
1. 
CONDOMINIUM 
UNDERWRITING 
GUIDELINES1 
POLICY 
FORM INSURED 
PROPERTY 
COVERED 
ELIGIBILITY 
REQUIREMENTS 
REPLACEMENT 
COVERAGE ICC2 
COVERAGE 
LIMITS 
ASSESSMENT 
COVERAGE 
FEDERAL 
POLICY FEE 
RCBAP Residential 
condominium 
association 
• 
•Condominium building 
• 
•Individually owned units within the 
building 
• 
•Improvements within unit 
• 
•Additions and extensions attached 
or connected to the insured 
building 
• •Fixtures, machinery, and 
equipment within building 
• 
•Contents owned by the 
association 
• 
•Community must be in regular 
program 
• 
•Residential condominium 
buildings including homeowner 
associations (ho
a
s) and 
timeshares in the condominium 
form of ownership 
• 
•At least 75% of floor area must 
be residential 
• 
•Buildings include townhouses, 
rowhouses, low-rise, high-rise, 
and detached single-family 
condominium buildings 
Yes3 Yes M
a
x
imum 
limits 
: 
Building 
• 
•Replacement cost, or the 
total number of units × 
$250,000, whichever is less 
Contents 
• 
•Actual cash value (
ac 
v) of 
commonly owned contents 
to a maximum of $100,000 
per building 
No NUMBER 
F UNITS: 
1 
– 
$40/P
LICY 
2–4 
– 
$80/P
LICY 
5–10 
– 
$200/P
LICY 
11–20 
– 
$440/P
LICY 
21 + 
– 
$840/P
LICY 
GENERAL 
PROPERTY 
FORM 
Condominium 
association 
• 
•Condominium building 
• 
•Individually owned units within the 
building 
• 
•Improvements within unit 
• 
•Additions and extensions attached 
or connected to the insured 
building 
• 
•Fixtures, machinery, and 
equipment within building 
• 
•Contents owned by the 
association 
• 
•Non-residential common building 
elements and their contents 
• 
•Condominium building in a 
regular program community with 
less than 75% of its floor area in 
residential use 
• 
•Residential condominium 
building in an emergency 
program community 
No Yes E
mergency 
program 
(A
c
v maximum limits): 
Residential 
Building $100,000 
Contents $10,000 
N
on-residential 
Building $100,000 
Contents $100,000 
R
egular 
program 
(A
c
v maximum limits): 
Building $500,000 
Contents $500,000 
No $40 
DWELLING 
FORM 
Condominium 
association, 
residential 
condominium 
unit owners 
• 
•Building elements 
• 
•Individually owned contents 
• 
•Residential condominium units 
• 
•Emergency and regular programs 
are eligible 
Yes3 No E
mergency 
program 
(maximum limits): 
Building $35,000 
Contents $10,000 
R
egular 
program 
(maximum limits): 
Building $250,000 
Contents $100,000 
Yes $40 
GENERAL 
PROPERTY 
FORM 
Individual unit 
owners and 
tenants 
• 
•Non-residential condo units (only 
contents coverage is available) 
• 
•Commercial Contents only 
• 
•Emergency and regular programs 
are eligible 
No No E
mergency 
program 
: 
$100,000 maximum 
R
egular 
program 
: 
$500,000 maximum 
No $40 
1 
These are basic guidelines for condominium associations and unit owners. Please refer to appropriate section of this manual for specific details. 
2 
ICC coverage does not apply to the Emergency Program, individually owned condominium units located within a multi-unit building and insured under the Dwelling Form, contents-only policies, 
and Group Flood Insurance Policies. 
3 
Subject to replacement cost provisions in policy.
 CONDO 4 October 1, 2011 
TABLE 2. CONDOMINIUM RATING CHART (continued) 
HIGH-RISE RESIDENTIAL CONDOMINIUMS 
MULTI-UNIT BUILDING – 5 OR MORE UNITS PER BUILDING – 3 OR MORE FLOO RS1 
Purc haser of 
Policy 
Building 
Occupancy 2 
Building 
Indicator 2 
Contents 
Indicator 3 
Type of 
Coverage 
Rating 
Clasification 
Policy 
Form 4 
UNIT OWNER Other residential Single unit Household RC5 
Single family for 
building; other 
residential for 
contents 
Dwelling 
ASSOCIATION 
(ASSOCIATION-OWNED 
SINGLE UNIT ONLY) 
Other residential Single unit Household RC5 
Single family for 
building; other 
residential for 
contents 
Dwelling 
ASSOCIATION 
(ENTIRE BUILDING) Other residential High-rise Household RC Rcbap High-rise RCBAP 
NON-RESIDENTIAL CONDOMINIUMS 
Purc haser of 
Policy 
Building 
Occupancy 2 
Building 
Indicator 2 
Contents 
Indicator 3 
Type of 
Coverage 
Rating 
Clasification 
Policy 
Form 4 
OWNER OF NONRESIDENTIAL 
CONTENTS 
Non-residential 
Single unit 
(Building 
coverage not 
available) 
Other than 
household ACV Non-residential General 
property 
OWNER OF 
RESIDENTIAL 
CONTENTS 
Single family 
(In a 2–4 unit building) 
Single unit 
(Building 
coverage not 
available) 
Household ACV Single family Dwelling 
OWNER OF 
RESIDENTIAL 
CONTENTS 
Other residential 
(In a 5-or-more-unit 
building) 
Single unit 
(Building 
coverage not 
available) 
Household ACV Single family Dwelling 
ASSOCIATION Non-residential Low-rise or 
high-rise 
Other than 
household ACV Non-residential General 
property 
1 Enclosure/crawlspace, even if it is the lowest floor for rating, cannot be counted as a floor for the purpose of classifying the building as 
a high-rise. 
2 When there is a mixture of residential and commercial usage within a single building, refer to subsection D. Determination of Building 
Occupancy in the General Rules section of this manual. 
3 In determining the contents location, refer to the Rating section of this manual. 
4 RCBAP must be used to insure residential condominium buildings owned by the association that are in a Regular Program 
community and in which at least 75% of the total floor area within the building is residential. Use the General Property Form 
if ineligible under RCBAP. 
5 Replacement Cost if the RC eligibility requirements are met (building only).
 CONDO 5 October 1, 2011 
II. RESIDENTIAL CONDOMINIUM BUILDING 
ASSOCIATION POLICY (RCBAP) FORM 
The policy form used for the residential condominium 
buildings owned by a condominium association is 
the RCBAP. 
III. ELIGIBILITY REQUIREMENTS 
A. General Building Eligibility 
In order for a condominium building to be eligible under 
the RCBAP form, the building must be owned by a 
condominium association, which the NFIP defines as 
the entity made up of the unit owners responsible for 
the maintenance and operation of: 
1. common elements owned in undivided shares by 
unit owners; and 
2. other real property in which the unit owners have 
use rights 
where membership in the entity is a required condition 
of unit ownership. 
The RCBAP is required for all buildings owned by a 
condominium association containing 1 or more 
residential units and in which at least 75% of the 
total floor area within the building is residential 
without regard to the number of units or number of 
floors. The RCBAP is available for high-rise and lowrise 
residential condominium buildings, including 
townhouse/rowhouse and detached single-family 
condominium buildings in the Regular Program only. 
(See pages CONDO 3 and 4.) 
Residential condominium buildings that are being used 
as a hotel or motel, or are being rented (either short or 
long term), must be insured under the RCBAP. 
Only buildings having a condominium form of ownership 
are eligible for the RCBAP. If the named insured is listed 
as other than a condominium association, the agent/ 
producer must provide legal documentation to confirm 
that the insured is a condominium association before 
the RCBAP can be written. This documentation may be 
a copy of the condominium association by-laws or a 
statement signed by an officer or representative of the 
condominium association confirming that the building 
is in a condominium form of ownership. In the event of 
a loss, RCBAPs written for buildings found not to be in a 
condominium form of ownership will be rewritten under 
the correct policy form for up to the maximum amount 
of building coverage allowed under the program for the 
type of building insured, not to exceed the coverage 
purchased under the RCBAP. 
A homeowners association (HOA) may differ from a 
condominium association and is ineligible for the RCBAP, 
unless the HOA meets the definition of a condominium 
association as defined in the policy. Cooperative 
ownership buildings are not eligible. Timeshare buildings 
in a condominium form of ownership in jurisdictions 
where title is vested in individual unit owners are eligible 
provided that all other criteria are met. 
If, during a policy term, the risk fails to meet the 
eligibility requirements due to a change in the form 
of ownership, it will be ineligible for coverage under 
the RCBAP. The policy will be canceled and rewritten 
using the correct Standard Flood Insurance Policy 
(SFIP) form. The effective date of cancellation will 
be the date on which the change in the form of 
ownership occurred. 
If an RCBAP was issued for a risk that was ineligible for 
the RCBAP, the policy is void and the coverage must 
be written under the correct form. The provisions of 
the correct SFIP form apply. The coverage limits must 
be reformed according to the provisions of the correct 
SFIP form and cannot exceed the coverage limits 
originally issued under the incorrect policy. 
The NFIP has grouped condominium buildings into 2 
different types, low-rise and high-rise, because of the 
difference in the exposures to the risk that typically 
exists. Low-rise buildings generally have a greater 
percentage of the value of the building at risk than highrise 
buildings, thus requiring higher premiums for the 
first dollars of coverage. The availability of the optional 
deductibles for the low-rise buildings, however, allows 
the association to buy back some of the risk, thereby 
reducing the overall cost of the coverage. 
For rating purposes: 
• • High-rise buildings contain 5 or more units and at 
least 3 floors excluding enclosure, even if it is the 
lowest floor for rating. 
• • Low-rise buildings have fewer than 5 units regardless 
of the number of floors, or 5 or more units with fewer 
than 3 floors, including the basement. 
• • Townhouse/rowhouse buildings are always considered 
low-rise buildings for rating purposes, no matter how 
many units or floors they have. 
See the Definitions section in this manual for complete 
definitions of high-rise and low-rise buildings. 
Individual unit owners continue to have an option to 
purchase an SFIP Dwelling Form. 
B. Condominium Building in the Course of 
Construction 
The NFIP rules allow the issuance of an SFIP to cover a 
building in the course of construction before the building 
is walled and roofed. These rules provide lenders an 
 CONDO 6 May 1, 2011 
option to require flood insurance coverage at the time 
that the development loan is made to comply with the 
mandatory purchase requirement outlined in the Flood 
Disaster Protection Act of 1973, as amended. The 
policy is issued and rated based on the construction 
designs and intended use of the building. 
In order for a condominium building in the course of 
construction to be eligible under the RCBAP form, the 
building must be owned by a condominium association. 
As noted in the General Rules section, buildings in the 
course of construction that have yet to be walled and 
roofed are eligible for coverage except when construction 
has been halted for more than 90 days and/or if the 
lowest floor used for rating purposes is below the Base 
Flood Elevation (BFE). Materials or supplies intended 
for use in such construction, alteration, or repair are not 
insurable unless they are contained within an enclosed 
building on the premises or adjacent to the premises. 
IV. COVERAGE 
A. Property Covered 
The entire building is covered under 1 policy, including 
both the common as well as individually owned building 
elements within the units, improvements within the 
units, and contents owned in common. Contents 
owned by individual unit owners should be insured 
under an individual unit owner’s Dwelling Form. 
B. Coverage Limits 
Building coverage purchased under the RCBAP will be 
on a Replacement Cost basis. 
The maximum amount of building coverage that can 
be purchased on a high-rise or low-rise condominium 
is the Replacement Cost Value (RCV) of the building or 
the total number of units in the condominium building 
times $250,000, whichever is less. 
The maximum allowable contents coverage is the Actual 
Cash Value (ACV) of the commonly owned contents up 
to a maximum of $100,000 per building. 
Basic Limit Amount: 
1. The building basic limit amount of insurance 
for a detached building housing a single-family 
unit owned by the condominium association is 
$60,000. 
2. For residential townhouse/rowhouse and low-rise 
condominiums, the building basic limit amount of 
insurance is $60,000 multiplied by the number of 
units in the building. 
3. For high-rise condominiums, the building basic 
amount of insurance is $175,000. 
4. The contents basic limit amount of insurance is 
$25,000. 
5. For condominium unit owners who have insured 
their personal property under the Dwelling Form 
or General Property Form, coverage extends to 
interior walls, floor, and ceiling (if not covered 
under the condominium association’s insurance) 
up to 10% of the personal property limit of 
liability. Use of this coverage is at the option of 
the insured and reduces the personal property 
limit of liability. 
C. Replacement Cost 
The RCBAP’s building coverage is on a Replacement 
Cost valuation basis. RCV means the cost to replace 
property with the same kind of material and construction 
without deduction for depreciation. A condominium unit 
owner’s Dwelling Form policy provides Replacement 
Cost coverage on the building if eligibility requirements 
are met. 
D. Coinsurance 
The RCBAP’s coinsurance penalty is applied to building 
coverage only. To the extent that the insured has 
not purchased insurance in an amount equal to the 
lesser of 80% or more of the full replacement cost 
of the building at the time of loss or the maximum 
amount of insurance under the NFIP, the insured will 
not be reimbursed fully for a loss. Building coverage 
purchased under individual Dwelling Forms cannot 
be added to RCBAP coverage in order to avoid the 
coinsurance penalty. The amount of loss in this case 
will be determined by using the following formula: 
Insurance Carried 
Insurance Required × Amount of Loss = Limit of Recovery 
Where the penalty applies, building loss under the 
RCBAP will be adjusted based on the Replacement 
Cost Coverage with a coinsurance penalty. Building 
loss under the Dwelling Form will be adjusted on an 
ACV basis if the Replacement Cost provision is not 
met. The cost of bringing the building into compliance 
with local codes (law and ordinance) is not included in 
the calculation of replacement cost. 
E. Assessment Coverage 
The RCBAP Form and General Property Form do not 
provide assessment coverage. 
Assessment coverage is available only under the 
Dwelling Form subject to the conditions and exclusions 
found in Section III. Property Covered, Coverage C, 
 CONDO 7 May 1, 2011 
paragraph 3 – Condominium Loss Assessments. 
The Dwelling Form will respond, up to the building 
coverage limit, to assessments against unit owners for 
damages to common areas of any building owned by 
the condominium association, even if the building is 
not insured, provided that: (1) each of the unit owners 
comprising the membership of the association is 
assessed by reason of the same cause; and (2) the 
assessment arises out of a direct physical loss by or 
from flood to the condominium building at the time of 
the loss. 
Assessment coverage cannot be used to meet the 
80% coinsurance provision of the RCBAP, and does 
not apply to ICC coverage or to coverage for closed 
basin lakes. 
In addition, assessment coverage cannot be used to 
pay a loss assessment resulting from a deductible 
under the RCBAP. 
For more information on this topic, see “E. Loss 
Assessments” in the General Rules section and 
Section III. C.3. of the Dwelling Form, “Condominium 
Loss Assessments,” in the Policy section. 
V. DEDUCTIBLES AND FEES 
A. Deductibles 
The loss deductible shall apply separately to each 
building and personal property covered loss, including 
any appurtenant structure loss. The Standard Deductible 
is $2,000 for a residential condominium building, located 
in a Regular Program community in SFHAs, i.e., zones A, 
AO, AH, A1–A30, AE, AR, AR dual zones (AR/AE, AR/AH, 
AR/AO, AR/A1–A30, AR/A), V, V1–V30, or VE, where the 
rates available for buildings built before the effective 
date of the initial Flood Insurance Rate Map (FIRM), Pre- 
FIRM rates, are used to compute the premium. 
For all policies rated other than those described above, 
e.g., those rated as Post-FIRM and those rated in zones 
A99, B, C, D, or X, the Standard Deductible is $1,000. 
Optional deductible amounts are available under the 
RCBAP; see Table 7 in this section. 
B. Federal Policy Fee 
The Federal Policy Fees for the RCBAP are: 
1 unit . . $40 per policy 
2–4 units . . $80 per policy 
5–10 units . . $200 per policy 
11–20 units . . $440 per policy 
21 or more units . . $840 per policy 
VI. TENTATIVE RATES AND SCHEDULED 
BUILDINGS 
Tentative Rates cannot be applied to the RCBAP. 
The Scheduled Building Policy is not available for 
the RCBAP. 
VII. COMMISSIONS (DIRECT BUSINESS ONLY) 
The commission, 15%, will be reduced to 5% on only 
that portion of the premium that exceeds the figure 
resulting from multiplying the total number of units 
times $2,000. 
VIII. CANCELLATION OR ENDORSEMENT OF UNIT 
OWNERS’ DWELLING POLICIES 
Unit owners’ policies written under the Dwelling Form 
may be canceled mid-term for the reasons mentioned 
in the Cancellation/Nullification section of this manual. 
To cancel building coverage while retaining contents 
coverage on a unit owner’s policy, submit a general 
change request. In the event of a cancellation: 
• • The commission on a unit owner’s policy will be 
retained, in full, by the agent/producer; 
• • The Federal Policy Fee and Probation Surcharge will 
be refunded on a pro-rata basis; and 
• • The premium refund will be calculated on a 
pro-rata basis. 
An existing policy written under the Dwelling Form or 
RCBAP Form may be endorsed to increase amounts of 
coverage in accordance with Endorsement rules. They 
may not be endorsed mid-term to reduce coverage. 
IX. APPLICATION FORM 
The agent/producer should complete the entire Flood 
Insurance Application according to the directions in the 
Application section of this manual and attach 2 new 
photographs of the building, 1 of which clearly shows 
the location of the lowest floor used for rating the risk. 
A. Type of Building 
For an RCBAP, the “Building” section of the Flood 
Insurance Application must indicate the total number 
of units in the building and whether the building is a 
high-rise or low-rise. 
High-rise (vertical) condominium buildings are defined 
as containing at least 5 units and having at least 3 
floors. Note that an enclosure below an elevated floor 
building, even if it is the lowest floor for rating purposes, 
cannot be counted as a floor to classify the building as 
a high-rise condominium building.
 CONDO 8 October 1, 2011 
Low-rise condominium buildings are defined as having 
fewer than 5 units and/or fewer than 3 floors. Low-rise 
also includes all townhouses/rowhouses regardless of 
the number of floors or units, and all detached singlefamily 
buildings. 
For a Dwelling Form used to insure a condominium unit, 
see the Application section of this manual. 
B. Replacement Cost Value 
For an RCBAP, use normal company practice to 
estimate the RCV and enter the value in the “Building” 
section of the Application. Include the cost of the 
building foundation when determining the RCV. Attach 
the appropriate valuation to the Application. 
Acceptable documentation of a building’s RCV is a 
recent property valuation report that states the value of 
the building, including its foundation, on an RCV basis. 
The cost of bringing the building into compliance with 
local codes (law and ordinance) is not to be included 
in the calculation of the building’s replacement cost. 
To maintain reasonable accuracy of the RCV for 
the building, the agent/producer must update this 
information and provide it to the insurer at least every 
3 years. (See sample notification letter regarding 
updating RCV on page CONDO 9.) 
C. Coverage 
Ensure that the “Coverage and Rating” section of the 
Application accurately reflects the desired amount of 
building and contents coverage. 
If only building insurance is to be purchased, inform the 
applicant of the availability of contents insurance for 
contents that are commonly owned. It is recommended 
that the applicant initial the contents coverage section 
if no contents insurance is requested. (This will make 
the applicant aware that the policy will not provide 
payment for contents losses.) 
1. Building 
Enter the amount of insurance for building, Basic 
and Additional Limits. Enter full Basic Limits before 
entering any Additional Limits. 
The building Basic Limit amount of insurance 
for high-rise condominium buildings is up to a 
maximum of $175,000. 
The building Basic Limit amount of insurance for lowrise 
condominium buildings is $60,000 multiplied 
by the number of units in the building. The total 
amount of coverage desired on the entire building 
must not exceed $250,000 (Regular Program limit) 
times the total number of units (residential and 
non-residential) in the building. 
2. Contents 
Since the Program type must be Regular, enter 
the amount of insurance for contents, Basic and 
Additional Limits. Enter full Basic Limits before any 
Additional Limits. Contents coverage purchased by 
the association is for only those contents items that 
are commonly owned. For the Basic Limits amount 
of insurance, up to a maximum of $25,000 may 
be filled in. For the Additional Limits, up to a total 
of $75,000 may be filled in. The total amount of 
insurance available for contents coverage cannot 
exceed $100,000. 
D. Rates and Fees 
1. To determine rates, see the RCBAP Rate Tables 
on the following pages. Enter the rate for building 
and for contents and compute the annual 
premium. If an optional deductible has been 
selected for building and/or contents, see Table 
7 in this section. 
2. Enter the total premium for building and contents, 
adjusted for any premium change because of 
an optional deductible being selected. The total 
premium will be calculated as if the building were 
1 unit. 
3. Add the total premium for building and contents 
and enter the Annual Subtotal. 
4. Add the Increased Cost of Compliance 
(ICC) Premium. 
5. Calculate the Community Rating System (CRS) 
discount, if applicable. 
6. Subtract the CRS discount, if applicable. 
7. Add the $50 Probation Surcharge, if applicable. 
8. Add the Federal Policy Fee to determine the Total 
Prepaid Amount.
 CONDO 9 May 1, 2011 
Sample RCV Notification Letter 
IMPORTANT FLOOD INSURANCE POLICY INFORMATION 
Agent’s Name: 
Agent’s Address: 
Re: Insured’s Name: 
Property Address: 
Policy Number: 
Dear Agent: 
The letter is to inform you that the Replacement Cost Value (RCV) on file for the building referenced above, 
insured under the Residential Condominium Building Association Policy (RCBAP), must now be updated. The 
National Flood Insurance Program (NFIP) requires that the RCV be evaluated every 3 years; it has been at least 
3 years since the RCV for the building has been updated. 
The RCV as currently listed on the above-referenced policy is <INSERT CURRENT RCV>. The amount of 
building coverage on the policy is <INSERT CURRENT BUILDING COVERAGE>. 
If the RCV indicated above needs to be revised, you must provide new documentation showing the revised RCV. 
Acceptable documentation of the building’s RCV is a recent property valuation report that states the building’s 
value, including the foundation, on an RCV basis. 
If the RCV has not changed, you must provide either new RCV documentation or a statement signed by an officer 
or a representative of the Condominium Association confirming that the RCV is still valid. 
Please be aware that to the extent that the amount of building coverage on the policy is not in an amount equal to 
the lesser of 80 percent or more of the full replacement cost of the building at the time of a loss or the maximum 
amount of insurance available under the NFIP, the Condominium Association may not be fully reimbursed 
for the loss. 
If you have any questions about the information in this letter, please contact < INSERT CONTACT NAME AND 
TELEPHONE NUMBER>. 
cc: Insured, Lender
 CONDO 10 October 1, 2011 
TABLE 3A. RCBAP HIGH-RISE CONDOMINIUM RATES 
ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) 
BUILDING 
BUILDING TYPE 
REGULAR PROGRAM PRE-FIRM1 REGULAR PROGRAM POST-FIRM 
A, A1–A30, 
AE, AO, AH, D V, VE A99, B, C, X A99, B, C, X D 
NO BASEMENT/ENCLOSURE .85 / .24 1.08 / .59 1.17 / .05 1.17 / .05 1.17 / .24 
WITH BASEMENT .90 / .33 1.15 / 1.25 1.42 / .07 1.42 / .07 
SUBMIT 
FOR 
RATE 
WITH ENCLOSURE .90 / .24 1.15 / .61 1.23 / .05 1.23 / .05 
ELEVATED ON CRAWLSPACE .85 / .24 1.08 / .59 1.17 / .05 1.17 / .05 
NON-ELEVATED WITH 
SUBGRADE CRAWLSPACE .85 / .24 1.08 / .59 1.17 / .05 1.17 / .05 
CONTENTS 
CONTENTS LOCATION 
REGULAR PROGRAM PRE-FIRM1 REGULAR PROGRAM POST-FIRM 
A, A1–A30, 
AE, AO, AH, D V, VE A99, B, C, X A99, B, C, X D 
BASEMENT/SUBGRADE 
CRAWLSPACE AND ABOV E .96 / .99 1.23 / 2.46 1.77 / .65 1.77 / .65 SUBMIT 
FOR 
O ENCL SURE/CRAWLSPACE RATE 
AND ABOV E .96 / 1.18 1.23 / 2.90 1.77 / .75 1.77 / .75 
LOWEST FLOO R ONLY – ABOV E 
GROUND LEVEL .96 / 1.18 1.23 / 2.90 1.39 / .69 1.39 / .69 1.11 / .60 
LOWEST FLOO R ABOV E GROUND 
LEVEL AND HIGHER FLOO RS .96 / .82 1.23 / 2.55 1.39 / .37 1.39 / .37 1.11 / .40 
ABOV E GROUND LEVEL MORE 
THAN 1 FULL FLOO R .35 / .16 .47 / .38 .41 / .14 .38 / .13 .35 / .12 
BUILDING — A1–A30, AE · POST-FIRM 
ELEVATION 
DIFFERENCE 
3 OR MORE FLOORS 
NO BASEMENT/ENCLOSURE/CRAWLSPACE2 
3 OR MORE FLOORS 
WITH BASEMENT/ENCLOSURE/CRAWLSPACE2 
+4 .33 /.03 .33 /.03 
+3 .35 /.03 .34 /.03 
+2 .45 /.03 .40 /.03 
+1 .81 /.04 .56 /.04 
0 1.61 /.05 1.44 /.05 
-13 6.10 /.15 3.48 /.12 
-2 SUBMIT FOR RATE 
CONTENTS — A1–A30, AE · POST-FIRM 
ELEVATION 
DIFFERENCE 
LOWEST FLOOR ONLY – ABOVE 
GROUND LEVEL (NO BASEMENT/ 
ENCLOSURE/CRAWLSPACE2) 
LOWEST FLOOR ABOVE 
GROUND LEVEL AND HIGHER 
(NO BASEMENT/ENCLOSURE/ 
CRAWLSPACE2) 
BASEMENT/ENCLOSURE/ 
CRAWLSPACE2 AND ABOVE 
ABOVE GROUND 
LEVEL MORE THAN 
1 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 .53 /.12 .38 /.12 .38 /.12 .35 /.12 
0 1.16 /.12 .68 /.12 .45 /.12 .35 /.12 
-13 3.10 /.63 1.90 /.42 .72 /.15 .35 /.12 
-2 SUBMIT FOR RATE .35 /.12 
1 Pre-FIRM construction refers to a building that has a start of construction date or substantial improvement date on or before 12/31/74, 
or before the effective date of the initial FIRM. If FIRM zone is unknown, use rates for zones A, AE, AO, AH, D. 
2 Includes subgrade crawlspace. 
3 Use Submit-for-Rate procedures if either the enclosure below the lowest elevated floor of an elevated building or the crawlspace (underfloor 
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 the BFE.
 CONDO 11 October 1, 2011 
TABLE 3B. RCBAP HIGH-RISE CONDOMINIUM RATES 
ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) 
AO, AH POST-FIRM 
NO BASEMENT/ENCLOSURE/CRAWLSPACE/SUBGRADE CRAWLSPACE BUILDINGS1 
BUILDING CONTENTS 
WITH CERTIFICATION OF COMPLIANCE OR 
ELEVATION CERTIFICATE2 .48 /.04 .38 /.13 
WITHO UT CERTIFICATION OF COMPLIANCE OR 
ELEVATION CERTIFICATE3, 8 1.11 /.09 1.05 /.19 
POST-FIRM UNNUMBERED A ZONE 
WITHOUT BASEMENT/ENCLOSURE/CRAWLSPACE/SUBGRADE CRAWLSPACE1,4 
ELEVATION DIFFERENCE BUILDING CONTENTS5 TYPE OF ELEVATION CERTIFICATE 
+5 OR MORE .88 /.05 .44 /.12 
NO BASE 
FLOO D ELEVATION6 
+2 TO +4 1.69 /.06 .74 /.13 
+1 2.76 /.14 1.52 /.22 
0 OR BELOW *** *** 
+2 OR MORE .75 /.04 .38 /.12 
WITH BASE 
FLOO D ELEVATION7 
0 TO +1 1.50 /.06 1.06 /.14 
-1 5.90 /.18 2.70 /.33 
-2 OR BELOW *** *** 
NO ELEVATION CERTIFICATE8 7.90 /1.26 3.33 /.80 NO ELEVATION CERTIFICATE 
1 Zones A, AO, or AH buildings with basement/enclosure/crawlspace/subgrade crawlspace – follow Submit-for-Rate procedures. Pre-FIRM 
buildings in AO or AH Zones with basement/enclosure/crawlspace/subgrade crawlspace at or above the BFE or Base Flood Depth are to 
use the “With Certification of Compliance or Elevation Certificate” rates and would not have to follow Submit-for-Rate procedures. 
2 “With Certification of Compliance or Elevation Certificate” rates are to be used when the Elevation Certificate shows that the 
lowest floor elevation used for rating is equal to or greater than the community’s elevation requirement, or when there is a Letter of 
Compliance. This rule applies to all building types, including buildings with basement/enclosure/crawlspace/subgrade crawlspace. 
3 “Without Certification of Compliance or Elevation Certificate” rates are to be used only on Post-FIRM buildings when the Elevation 
Certificate shows that the lowest floor elevation is less than the community’s elevation requirement. 
4 Pre-FIRM buildings with basement/enclosure/crawlspace/subgrade crawlspace may use this table if the rates are more 
favorable to the insured. 
5 For elevation-rated policies, when contents are located 1 floor or more above the lowest floor used for rating, use .35/.12. 
6 NO 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. 
7 WITH BASE FLOOD ELEVATION: Elevation difference is the measured distance between the lowest floor of the building and the BFE 
provided by the community or registered professional engineer, surveyor, or architect. 
8 For policies with effective dates on or after October 1, 2011, the No Elevation Certificate rates apply only to renewals and transfers. 
***SUBMIT FOR RATING
 CONDO 13 October 1, 2011 
TABLE 3D. RCBAP HIGH-RISE CONDOMINIUM RATES 
ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) 
REGULAR PROGRAM — 1975–19811 POST-FIRM CONSTRUCTION2 
FIRM ZONES V1–V30, VE — BUILDING RATES 
ELEVATION OF LOWEST FLOOR ABOVE 
OR Below the BFE 
BUILDING TYPE 
3 OR MORE FLO RS NO BASE MENT / 
EN CLOSU RE/CRAWLS PACE3 
3 OR MORE FLO RS WIT H BASE MENT / 
EN CLOSU RE/CRAWLS PACE3 
04 3.30 /.18 3.15 /.18 
-15 9.79 /.71 5.15 /.53 
-2 *** *** 
1975–1981 POST-FIRM CONSTRUCTION 
FIRM ZONES V1–V30, VE — CONTENTS RATES 
ELEVATION OF 
LOWEST FLOOR 
ABOVE OR 
BELOW the BFE 
CONTENTS LOCATION 
LO WEST FLO R ONL Y - 
ABOVE GROUND LEVEL 
(NO BASE MENT / 
EN CLOSU RE/CRAWLS PACE3) 
LO WEST FLO R ABOVE 
GROUND LEVEL AND HIG HER 
FLO RS (NO BASE MENT / 
EN CLOSU RE/CRAWLS PACE3) 
BASE MENT / 
EN CLOSU RE/ 
CRAWLS PACE3 
AND ABOVE 
ABOVE GROUND 
LEVEL - MORE 
THAN 1 FUL FLO R 
04 4.36 / .92 2.83 / .91 1.60 / .78 .56 / .25 
-15 9.55 / 5.81 5.63 / 4.42 1.88 / .80 .56 / .25 
-2 *** *** *** *** 
1 Policies for 1975 through 1981 Post-FIRM and Pre-FIRM buildings in zones VE and V1–V30 will be allowed to use the Post-’81 V-Zone 
rate table if the rates are more favorable to the insured. See instructions in the Rating section for V-Zone Optional Rating. 
2 For 1981 Post-FIRM construction rating, refer to Tables 5A and 5B. 
3 Includes subgrade crawlspace. 
4 These rates are to be used if the lowest floor of the building is at or above the BFE. 
5 Use Submit-for-Rate procedures if the enclosure below the lowest floor of an elevated building, which is used for rating, is 1 or more 
feet below the BFE. 
***SUBMIT FOR RATING
REGULAR PROGRAM 1975–1981 POST-FIRM CONSTRUCTION 
UNNUMBERED V ZONE — ELEVATED BUILDINGS 
SUBMIT FOR RAT ING
 CONDO 14 October 1, 2011 
TABLE 4A. RCBAP LOW-RISE CONDOMINIUM RATES 
(Including Townhouse/Rowhouse) 
ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) 
REGULAR PROGRAM – PRE-FIRM CONSTRUCTION RATES1 
FIRM ZONES: A, A1–A30, AE, AO, AH, D V, VE A99, B, C, X 
BUILDING CONTENTS BUILDING CONTENTS BUILDING CONTENTS 
BUILDING 
TYPE 
NO BASEMENT/ENCLOSURE .70 /.63 .96 / 1.17 .93 /1.66 1.23 /3.05 .74 /.21 1.20 /.37 
WITH BASEMENT .75 /.77 .96 / .98 1.00 /2.88 1.23 /2.87 .81 /.30 1.36 /.46 
WITH ENCLOSURE .75 /.92 .96 / 1.01 1.00 /3.14 1.23 /3.13 .81 /.34 1.36 /.54 
ELEVATED ON CRAWLSPACE .70 /.63 .96 / 1.17 .93 /1.66 1.23 /3.05 .74 /.21 1.20 /.37 
NON-ELEVATED WITH 
SUBGRADE CRAWLSPACE .70 /.63 .96 / 1.17 .93 /1.66 1.23 /3.05 .74 /.21 1.20 /.37 
REGULAR PROGRAM – POST-FIRM CONSTRUCTION RATES 
FIRM ZONES: A99, B, C, X D 
BUILDING CONTENTS BUILDING CONTENTS 
BUILDING TYPE 
NO BASEMENT/ENCLOSURE .74 /.21 1.20 /.37 1.12 /.39 1.11 /.60 
WITH BASEMENT .81 /.30 1.36 /.46 *** *** 
WITH ENCLOSURE .81 /.34 1.36 /.54 *** *** 
ELEVATED ON CRAWLSPACE .74 /.21 1.20 /.37 1.12 /.39 1.11 /.60 
NON-ELEVATED WITH 
SUBGRADE CRAWLSPACE .74 /.21 1.20 /.37 1.12 /.39 1.11 /.60 
FIRM ZONES: AO, AH (NO BASEMENT/ENCLOSURE/CRAWLSPACE BUILDINGS ONLY2) 
BUILDING CONTENTS 
WITH CERTIFICATION OF COMPLIANCE OR 
ELEVATION CERTIFICATE3 .24 /.08 .38 /.13 
WITHO UT CERTIFICATION OF COMPLIANCE OR 
ELEVATION CERTIFICATE4, 5 1.04 /.21 1.05 /.19 
1 Pre-FIRM construction refers to a building that has a start of construction date or substantial improvement date on or before 12/31/74, 
or before the effective date of the initial FIRM. If FIRM zone is unknown, use rates for zones A, AE, AO, AH, D. 
2 Zones AO, AH Buildings with basement/enclosure/crawlspace/subgrade crawlspace: follow Submit-for-Rate procedures. Pre-FIRM 
buildings in AO or AH Zones with basement/enclosure/crawlspace/subgrade crawlspace at or above the BFE or Base Flood Depth are to 
use the “With Certification of Compliance or Elevation Certificate” rates and would not have to follow Submit-for-Rate procedures. 
3 “With Certification of Compliance or Elevation Certificate” rates are to be used when the Elevation Certificate shows that the 
lowest floor elevation used for rating is equal to or greater than the community’s elevation requirement, or when there is a Letter of 
Compliance. This rule applies to all building types, including buildings with basement/enclosure/crawlspace/subgrade crawlspace. 
4 “Without Certification of Compliance or Elevation Certificate” rates are to be used only on Post-FIRM buildings when the Elevation 
Certificate shows that the lowest floor elevation is less than the community’s elevation requirement. 
5 For transfers and renewals of existing business where there is no Letter of Compliance or Elevation Certificate in the company’s file, 
these rates can continue to be used. For new business effective on or after October 1, 2011, the provisions of footnote 4 apply. 
***SUBMIT FOR RATING
 CONDO 15 October 1, 2011 
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 the BFE1 
BUILDING TYPE 
1 FLO R NO BASE MENT / 
EN CLOSU RE/CRAWLS PACE2 
MORE THAN 1 FLO R NO 
BASE MENT /EN CLOSU RE 
CRAWLS PACE2 
MORE THAN 1 FLO R WIT H 
BASE MENT /EN CLOSU RE/ 
CRAWLS PACE2 
+4 .20 /.08 .18 /.08 .20 /.08 
+3 .22 /.08 .20 /.08 .20 /.08 
+2 .30 /.08 .22 /.08 .22 /.08 
+1 .54 /.09 .32 /.08 .26 /.09 
0 1.36 /.11 .88 /.11 .69 /.10 
-13 3.47 /.84 2.61 /.70 1.52 /.60 
-2 *** *** *** 
FIRM ZONES A1–A30, AE — CONTENTS RATES 
ELEVATION OF 
LOWEST FLOOR 
ABOVE OR 
BELOW the BFE1 
CONTENTS LOCATION 
LO WEST FLO R ONL Y – 
ABOVE GROUND LEVEL 
(NO BASE MENT /EN CLOSU RE/ 
CRAWLS PACE2) 
LO WEST FLO R ABOVE 
GROUND LEVEL AND HIG HER 
FLO RS (NO BASE MENT / 
EN CLOSU RE/CRAWLS PACE2) 
BASE MENT / 
EN CLOSU RE/ 
CRAWLS PACE2 
AND ABOVE 
ABOVE GROUND 
LEVEL – MORE THAN 1 
FUL FLO R 
+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 .53 /.12 .38 /.12 .38 /.12 .35 /.12 
0 1.16 /.12 .68 /.12 .45 /.12 .35 /.12 
-13 3.10 /.63 1.90 /.42 .72 /.15 .35 /.12 
-2 *** *** *** .35 /.12 
1 If the Lowest Floor is -1 or lower because of an attached garage and the building is described and rated as a single-family dwelling, see 
the Lowest Floor Determination subsection in the Lowest Floor Guide section of this manual or contact the insurer for rating guidance; 
rate may be lower. 
2 Includes subgrade crawlspace. 
3 Use Submit-for-Rate procedures if either the enclosure below the lowest floor of an elevated building or the crawlspace (under-floor 
space) that has its interior floor within 2 feet below grade on all sides, which is used for rating, is 1 or more feet below the BFE. 
***SUBMIT FOR RATING
 CONDO 16 October 1, 2011 
TABLE 4C. RCBAP LOW-RISE CONDOMINIUM RATES 
(Including Townhouse/Rowhouse) 
ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) 
UNNUMBERED ZONE A – WITHOUT BASEMENT/ENCLOSURE/CRAWLSPACE1,2 
ELEVATION DIFFERENCE BUILDING CONTENTS3 TYPE OF ELEVATION CERTIFICATE 
+5 OR MORE .41 /.09 .44 /.12 
NO BASE FLOO D ELEVATION4 
+2 TO +4 1.11 /.12 .74 /.13 
+1 2.25 /.57 1.52 /.22 
0 OR BELOW *** *** 
+2 OR MORE .37 /.08 .38 /.12 
WITH BASE FLOO D ELEVATION5 
0 TO +1 .87 /.12 1.06 /.14 
-1 3.30 /.83 2.70 /.33 
-2 OR BELOW *** *** 
NO ELEVATION CERTIFICATE6 4.16 /1.44 3.33 /.80 NO ELEVATION CERTIFICATE 
1 Zone A buildings with basement/enclosure without proper openings/crawlspace without proper openings/subgrade crawlspace: follow 
Submit-for-Rate procedures in the Rating section. 
2 Pre-FIRM buildings with basement/enclosure/crawlspace/subgrade crawlspace may use this table if the rates are more favorable to the 
insured. For optional rating, follow the Submit-for-Rate procedures in the Rating section. 
3 For elevation-rated policies, when contents are located 1 floor or more above lowest floor used for rating, use .35/.12. 
4 NO 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. 
5 WITH BASE FLOOD ELEVATION: Elevation difference is the measured distance between the lowest floor of the building and the BFE 
provided by the community or registered professional engineer, surveyor, or architect. 
6 For policies with effective dates on or after October 1, 2011, the No Elevation Certificate rates apply only to renewals and transfers. 
***SUBMIT FOR RATING
 CONDO 17 October 1, 2011 
TABLE 4D. RCBAP LOW-RISE CONDOMINIUM RATES 
(Including Townhouse/Rowhouse) 
ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) 
AR AND AR DUAL ZONES 
REGULAR PROGRAM – PRE-FIRM1,2 AND POST-FIRM3 NOT ELEVATION-RATED RATES 
BUILDING TYPE BUILDING CONTENTS 
NO BASEMENT/ENCLOSURE .74 /.21 1.20 /.37 
WITH BASEMENT .81 /.30 1.36 /.46 
WITH ENCLOSURE .81 /.34 1.36 /.54 
ELEVATED ON CRAWLSPACE .74 /.21 1.20 /.37 
NON-ELEVATED WITH SUBGRADE 
CRAWLSPACE .74 /.21 1.20 /.37 
REGULAR PROGRAM – PRE-FIRM AND POST-FIRM ELEVATION-RATED RATES 
BUILDING RATES 
ELEVATION OF LOWEST 
FLOOR ABOVE OR 
Below the BFE 
BUILDING TYPE 
1 FLO R NO BASE MENT / 
EN CLOSU RE/CRAWLS PACE4 
MORE THAN 1 FLO R NO 
BASE MENT /EN CLOSU RE/ 
CRAWLS PACE4 
MORE THAN 1 FLO R WIT H 
BASE MENT /EN CLOSU RE/ 
CRAWLS PACE4 
+4 .20 /.08 .18 /.08 .20 /.08 
+3 .22 /.08 .20 /.08 .20 /.08 
+2 .30 /.08 .22 /.08 .22 /.08 
+1 .54 /.09 .32 /.08 .26 /.09 
0 .74 /.21 .88 /.11 .69 /.10 
-15 See footn ote 
CONTENTS RATES 
ELEVATION OF LOWEST 
FLOOR ABOVE OR 
Below the BFE 
CONTENTS LOCATION 
LO WEST FLO R ONL Y 
– ABOVE GROUND 
LEVEL (NO BASE MENT / 
EN CLOSU RE/ 
CRAWLS PACE4) 
LO WEST FLO R ABOVE 
GROUND LEVEL AND 
HIG HER FLO RS (NO 
BASE MENT /EN CLOSU RE/ 
CRAWLS PACE4) 
BASE MENT /EN CLOSU RE/ 
CRAWLS PACE4 AND 
ABOVE 
ABOVE GROUND 
LEVEL – MORE THAN 1 
FUL FLO R 
+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 .53 /.12 .38 /.12 .38 /.12 .35 /.12 
0 1.16 /.12 .68 /.12 .45 /.12 .35 /.12 
-15 See footn ote 
1 Pre-FIRM construction refers to a building that has a start of construction date or substantial improvement date on or before 12/31/74, 
or before the effective date of the initial FIRM. 
2 Standard deductible is $2,000. 
3 Standard deductible is $1,000. 
4 Includes subgrade crawlspace. 
5 Use Pre-FIRM Not Elevation-Rated AR and AR Dual Zones Rate Table above.
 CONDO 18 October 1, 2011 
TABLE 4E. RCBAP LOW-RISE CONDOMINIUM RATES 
(Including Townhouse/Rowhouse) 
ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) 
REGULAR PROGRAM — 1975–19811 POST-FIRM CONSTRUCTION2 
FIRM ZONES V1–V30, VE — BUILDING RATES 
ELEVATION OF LOWEST 
FLOOR ABOVE OR 
Below the BFE 
BUILDING TYPE 
1 FLOO R NO BASEMENT/ 
ENCLOSURE/CRAWLSPACE3 
MORE THAN 1 FLOO R NO 
BASEMENT/ENCLOSURE/ 
CRAWLSPACE3 
MORE THAN 1 FLOO R WITH 
BASEMENT/ENCLOSURE/ 
CRAWLSPACE3 
04 3.01 / .56 2.41 / .56 2.08 / .56 
-15 6.58 / 3.43 6.02 / 3.43 4.30 / 3.12 
-2 *** *** *** 
REGULAR PROGRAM — 1975–19811 POST-FIRM CONSTRUCTION2 
FIRM ZONES V1–V30, VE — CONTENTS RATES 
ELEVATION OF LOWEST 
FLOOR ABOVE OR 
Below the BFE 
CONTENTS LOCATION 
LOWEST FLOO R ONLY – 
ABOV E GROUND LEVEL (NO 
BASEMENT/ENCLOSURE/ 
CRAWLSPACE3) 
LOWEST FLOO R ABOV E 
GROUND LEVEL AND HIGHER 
FLOO RS (NO BASEMENT/ 
ENCLOSURE/CRAWLSPACE3) 
BASEMENT/ 
ENCLOSURE/ 
CRAWLSPACE3 
AND ABOV E 
ABOV E GROUND 
LEVEL – MORE THAN 
1 FULL FLOO R 
04 4.36 / .92 2.83 / .91 1.60 / .78 .56 / .25 
-15 9.55 / 5.81 5.63 / 4.42 1.88 / .80 .56 / .25 
-2 *** *** *** .56 / .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 in the Rating section for V-Zone Optional Rating. 
2 For 1981 Post-FIRM construction rating, refer to Tables 5A and 5B. 
3 Includes subgrade crawlspace. 
4 These rates are to be used if the lowest floor of the building is at or above the BFE. 
5 Use Submit-for-Rate procedures if the enclosure below the lowest floor of an elevated building, which is used for rating, is 1 or more 
feet below the BFE. 
***SUBMIT FOR RATING 
REGULAR PROGRAM — 1975–1981 POST-FIRM CONSTRUCTION 
UNNUMBERED V ZONE — ELEVATED BUILDINGS 
SUBMIT FOR RATING
 CONDO 19 October 1, 2011 
TABLE 5A. RCBAP HIGH-RISE AND LOW-RISE CONDOMINIUM RATES 
(Including Townhouse/Rowhouse) 
ANNUAL RATES PER $100 OF COVERAGE 
1981 POST-FIRM V1–V30, VE ZONE RATES1 
Elevated Buildings Fre of Obstruction 2 Below the 
Beam Suporting the Building ’s Lowest Flor 
Elevation of the bottom of the floor 
beam of the lowest floor ab ove or 
below THE BFE adjusted for 
wa ve height at building site3 Building Rate Contents Rate 
+4 or more .73 .53 
+3 .84 .54 
+2 1.15 .73 
+1 1.67 1.25 
0 2.63 2.04 
- 1 3.58 2.93 
- 2 4.57 4.19 
- 3 5.48 5.48 
- 4 or lower *** *** 
Rates above are only for elevated buildings. Use the Specific Rating Guidelines 
for non-elevated buildings. 
1 Policies for 1975 through 1981 Post-FIRM and Pre-FIRM buildings in zones VE and V1–V30 will be allowed to use the Post-’81 V-Zone 
rate table if the rates are more favorable to the insured. See instructions in the Rating section for V-Zone Optional Rating. 
2 Free of Obstruction – The space below the lowest elevated floor must be completely free of obstructions or any attachment to the 
building, or may have: 
(1) Insect screening, provided that no additional supports are required for the screening; or 
(2) Wooden or plastic lattice with at least 40% of its area open and made of material no thicker than ½ inch; or 
(3) Wooden or plastic slats or shutters with at least 40% of their area open and made of material no thicker than 1 inch. 
(4) One solid breakaway wall or a garage door, with the remaining sides of the enclosure constructed of insect screening, wooden or 
plastic lattice, slats, or shutters. 
Any of these systems must be designed and installed to collapse under stress without jeopardizing the structural support of the 
building, so that the impact on the building of abnormally high tides or wind-driven water is minimized. Any machinery or equipment 
below the lowest elevated floor must be at or above the BFE. 
3 Wave height adjustment is not required in those cases where the Flood Insurance Rate Map indicates that the map 
includes wave height. 
***SUBMIT FOR RATING
 CONDO 20 October 1, 2011 
TABLE 5B. RCBAP HIGH-RISE AND LOW-RISE CONDOMINIUM RATES 
(Including Townhouse/Rowhouse) 
ANNUAL RATES PER $100 OF COVERAGE 
1981 POST-FIRM V1–V30, VE ZONE RATES1,2 
Elevated Buildings With Obstruction 3 Below the 
Beam Suporting the Building ’s Lowest Flor 
Elevation of the botom of the flor 
beam of the lowest flor above or 
below THE BFE ad justed for wave 
heig ht at building site 4 Building Rate Contents Rate 
+4 or more 1.31 .67 
+3 1.40 .68 
+2 1.73 .86 
+1 2.17 1.38 
0 3.29 2.20 
-15 4.12 3.02 
-25 5.14 4.31 
-35 6.03 5.62 
- 4 or lower5 *** *** 
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 in the Rating section for V-Zone Optional Rating. 
2 Rates provided are only for elevated buildings, except those elevated on solid perimeter foundation walls. For buildings elevated on solid 
perimeter foundation walls, and for non-elevated buildings, use the Specific Rating Guidelines document. 
3 With Obstruction – The space below has an area of less than 300 square feet with breakaway solid walls or contains equipment below 
the BFE. If the space below has an area of 300 square feet or more, or if any portion of the space below the elevated floor is enclosed 
with non-breakaway walls, submit for rating. If the enclosure is at or above the BFE, use the “Free of Obstruction” rate table on the 
preceding page. The elevation of the bottom enclosure floor is the lowest floor for rating (LFE). See the Rating section for details. 
4 Wave height adjustment is not required in those cases where the Flood Insurance Rate Map indicates that the map includes 
wave height. 
5 For buildings with obstruction, use Submit-for-Rate procedures if the enclosure below the lowest elevated floor of an elevated building, 
which is used for rating, is 1 or more feet below the BFE. 
***SUBMIT FOR RATING
TABLE 5C. RCBAP HIGH-RISE AND LOW-RISE BUILDING RATES 
(Including Townhouse/Rowhouse) 
ANNUAL RATES PER $100 OF COVERAGE 
1981 POST-FIRM V-ZONE RATES 
SUBMIT FOR RATING
 CONDO 23 May 1, 2011 
X. CONDOMINIUM RATING EXAMPLES 
Table of CONTENTS 
EXAMPLE PAGE 
Example 1 Pre-FIRM, Low-rise, with Enclosure, Coinsurance Penalty, Zone A. . CONDO 24 
Example 2 Pre-FIRM, Low-rise, No Basement/Enclosure, Zone AE. . CONDO 25 
Example 3 Post-FIRM, Low-rise, Coinsurance Penalty, Zone AE. . CONDO 26 
Example 4 Post-FIRM, Low-rise, Standard Deductible, Zone AE. . CONDO 27 
Example 5 Pre-FIRM, High-rise, Standard Deductible, Coinsurance Penalty, Zone A. . CONDO 28 
Example 6 Pre-FIRM, High-rise, Basement, Maximum Discount, Zone AE. . CONDO 29 
Example 7 Post-FIRM, High-rise, Standard Deductible, Zone AE . . CONDO 30 
Example 8 Pre-FIRM, High-rise, Enclosure, Maximum Discount, 
Coinsurance Penalty, Zone AE . . CONDO 31
 CONDO 24 October 1, 2011 
CONDOMINIUM RATING EXAMPLE 1 
PRE-FIRM, LOW-RISE, WITH ENCLOSURE, Coinsurance PENALTY, ZONE A 
Regular Program : 
• • Building Coverage: $140,000 
• • Contents Coverage: $100,000 
• • Condominium Type: Low-rise 
• • Flood Zone: A 
• • Occupancy: Other Residential 
• • Number of Units: 6 
• • Date of Construction: Pre-FIRM 
• • Building Type: 3 Floors Including Enclosure 
• • Deductible: $2,000/$2,000 
• • Deductible Factor: 1.000 
• • Replacement Cost: $600,000 
• • Elevation Difference: N/A 
• • 80% Coinsurance Amount: $480,000 
• • ICC Premium: $70 ($30,000 Coverage) 
• • CRS Rating: N/A 
• • CRS Discount: N/A 
Determined Rates : 
Building: .75/.92 Contents: .96/1.01 
BASIC LIMITS 
ADDITIONAL LIMITS 
(REGULAR PROGRAM ONLY) DEDUCTIBLE 
BASIC AND 
ADDITIONAL 
TOTAL 
O CV ERAGE PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
PREM. REDUCTION/ 
INCREASE 
TOTAL AMOUNT 
OF INSURANCE 
BUILDING $140,000 .75 $1,050 $0 .92 $0 $0 $140,000 $1,050 
CONTENTS $ 25,000 .96 $ 240 $75,000 1.01 $758 $0 $100,000 $ 998 
RATE TYPE (ONE BUILDING PER POLICY — BLANKET COV ERAGE NOT PERMITTED): 
MANUAL SUBMIT FOR RATING 
ALTERNATIVE V-ZONE RISK RATING FORM 
PROV ISIONAL RATING LEASED FEDERAL PROPERTY 
MORTGAGE PORTFOLIO PROTECTION PROGRAM 
PAYMENT OPTION: 
CREDIT CARD 
OTHER: 
ANNUAL SUBTOTAL $2,048 
ICC PREMIUM $ 70 
SUBTOTAL $2,118 
CRS PREMIUM DISCOUNT % — 
SUBTOTAL $2,118 
The ab ove statements are correct to the best of my kn owledge . I understand that any false 
statements may be punis hable by fine OR impris onment under aplicable federal law . 
SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) 
PROBATION SURCHARGE — 
FEDERAL POLICY FEE $ 200 
TOTAL PREPAID AMOUNT $2,318 
Premium Calculation : 
1. Multiply Rate × $100 of Coverage: Building: $1,050 / Contents: $998 
2. Apply Deductible Factor: Building: 1.000 × $1,050 = $1,050 / Contents: 1.000 × $998 = $998 
3. Premium Reduction: Building: $0 / Contents: $0 
4. Subtotal: $2,048 
5. Add ICC Premium: $70 
6. Subtract CRS Discount: N/A 
7. Subtotal: $2,118 
8. Probation Surcharge: N/A 
9. Add Federal Policy Fee: $200 
10. Total Prepaid Amount: $2,318 
CLAIMS ADJUSTMENT WITH Coinsurance PROVISION: 
Claim Payment is determined as follows: 
(Insurance Carried) $140,000 
(Insurance Required) $480,000 
× (Amount of Loss) $100,000 = (Limit of Recovery) $29,167 – Less Deductible 
(Coinsurance Penalty applies because minimum insurance amount of $480,000 was not met.)
 CONDO 25 October 1, 2011 
CONDOMINIUM RATING EXAMPLE 2 
PRE-FIRM, LOW-RISE, NO BASEMENT/ENCLOSURE, ZONE AE 
Regular Program : 
• • Building Coverage: $480,000 
• • Contents Coverage: $50,000 
• • Condominium Type: Low-rise 
• • Flood Zone: AE 
• • Occupancy: Other Residential 
• • Number of Units: 6 
• • Date of Construction: Pre-FIRM 
• • Building Type: 1 Floor, No Basement 
• • Deductible: $2,000/$2,000 
• • Deductible Factor: 1.000 
• • Replacement Cost: $600,000 
• • Elevation Difference: N/A 
• • 80% Coinsurance Amount: $480,000 
• • ICC Premium: $70 ($30,000 Coverage) 
• • CRS Rating: N/A 
• • CRS Discount: N/A 
Determined Rates : 
Building: .70/.63 Contents: .96/1.17 
BASIC LIMITS 
ADDITIONAL LIMITS 
(REGULAR PROGRAM ONLY) DEDUCTIBLE 
BASIC AND 
ADDITIONAL 
TOTAL 
O CV ERAGE PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
PREM. REDUCTION/ 
INCREASE 
TOTAL AMOUNT 
OF INSURANCE 
BUILDING $360,000 .70 $2,520 $120,000 .63 $756 $0 $480,000 $3,276 
CONTENTS $ 25,000 .96 $ 240 $ 25,000 1.17 $293 $0 $ 50,000 $ 533 
RATE TYPE (ONE BUILDING PER POLICY — BLANKET COV ERAGE NOT PERMITTED): 
MANUAL SUBMIT FOR RATING 
ALTERNATIVE V-ZONE RISK RATING FORM 
PROV ISIONAL RATING LEASED FEDERAL PROPERTY 
MORTGAGE PORTFOLIO PROTECTION PROGRAM 
PAYMENT OPTION: 
CREDIT CARD 
OTHER: 
ANNUAL SUBTOTAL $3,809 
ICC PREMIUM $ 70 
SUBTOTAL $3,879 
CRS PREMIUM DISCOUNT % — 
SUBTOTAL $3,879 
The ab ove statements are correct to the best of my kn owledge . I understand that any false 
statements may be punis hable by fine OR impris onment under aplicable federal law . 
SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) 
PROBATION SURCHARGE — 
FEDERAL POLICY FEE $ 200 
TOTAL PREPAID AMOUNT $4,079 
Premium Calculation : 
1. Multiply Rate × $100 of Coverage: Building: $3,276 / Contents: $533 
2. Apply Deductible Factor: Building: 1.00 × $3,276 = $3,276 / Contents: 1.00 × $533 = $533 
3. Premium Reduction: Building: $0 / Contents: $0 
4. Subtotal: $3,809 
5. Add ICC Premium: $70 
6. Subtract CRS Discount: N/A 
7. Subtotal: $3,879 
8. Probation Surcharge: N/A 
9. Add Federal Policy Fee: $200 
10. Total Prepaid Amount: $4,079 
CLAIMS ADJUSTMENT WITH Coinsurance PROVISION: 
Coinsurance Penalty does not apply since minimum insurance amount of 80% was met.
 CONDO 26 October 1, 2011 
CONDOMINIUM RATING EXAMPLE 3 
POST-FIRM, LOW-RISE, Coinsurance PENALTY, ZONE AE 
Regular Program : 
• • Building Coverage: $750,000 
• • Contents Coverage: $100,000 
• • Condominium Type: Low-rise 
• • Flood Zone: AE 
• • Occupancy: Other Residential 
• • Number of Units: 14 
• • Date of Construction: Post-FIRM 
• • Building Type: 2 Floors, No Basement/Enclosure 
• • Deductible: $1,000/$1,000 
• • Deductible Factor: 1.000 
• • Replacement Cost: $1,120,000 
• • Elevation Difference: +1 
• • 80% Coinsurance Amount: $896,000 
• • ICC Premium: $5 ($30,000 Coverage) 
• • CRS Rating: N/A 
• • CRS Discount: N/A 
Determined Rates : 
Building: .32/.08 Contents: .38/.12 
BASIC LIMITS 
ADDITIONAL LIMITS 
(REGULAR PROGRAM ONLY) DEDUCTIBLE 
BASIC AND 
ADDITIONAL 
TOTAL 
O CV ERAGE PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
PREM. REDUCTION/ 
INCREASE 
TOTAL AMOUNT 
OF INSURANCE 
BUILDING $750,000 .32 $2,400 $0 .08 $0 $0 $750,000 $2,400 
CONTENTS $ 25,000 .38 $ 95 $75,000 .12 $90 $0 $100,000 $ 185 
RATE TYPE (ONE BUILDING PER POLICY — BLANKET COV ERAGE NOT PERMITTED): 
MANUAL SUBMIT FOR RATING 
ALTERNATIVE V-ZONE RISK RATING FORM 
PROV ISIONAL RATING LEASED FEDERAL PROPERTY 
MORTGAGE PORTFOLIO PROTECTION PROGRAM 
PAYMENT OPTION: 
CREDIT CARD 
OTHER: 
ANNUAL SUBTOTAL $2,585 
ICC PREMIUM $ 5 
SUBTOTAL $2,590 
CRS PREMIUM DISCOUNT % — 
SUBTOTAL $2,590 
The ab ove statements are correct to the best of my kn owledge . I understand that any false 
statements may be punis hable by fine OR impris onment under aplicable federal law . 
SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) 
PROBATION SURCHARGE — 
FEDERAL POLICY FEE $ 440 
TOTAL PREPAID AMOUNT $3,030 
Premium Calculation : 
1. Multiply Rate × $100 of Coverage: Building: $2,400 / Contents: $185 
2. Apply Deductible Factor: Building: 1.000 × $2,400 = $2,400 / Contents: 1.000 × $185 = $185 
3. Premium Reduction/Increase: Building: $0 / Contents: $0 
4. Subtotal: $2,585 
5. Add ICC Premium: $5 
6. Subtract CRS Discount: N/A 
7. Subtotal: $2,590 
8. Probation Surcharge: N/A 
9. Add Federal Policy Fee: $440 
10. Total Prepaid Amount: $3,030 
CLAIMS ADJUSTMENT WITH Coinsurance PROVISION: 
Claim Payment is determined as follows: 
(Insurance Carried) $750,000 
(Insurance Required) $896,000 
× (Amount of Loss) $300,000 = (Limit of Recovery) $251,116 – Less Deductible 
(Coinsurance Penalty applies because minimum insurance amount of $896,000 was not met.)
 CONDO 27 October 1, 2011 
CONDOMINIUM RATING EXAMPLE 4 
POST-FIRM, LOW-RISE, STANDARD DEDUCTIBLE, ZONE AE 
Regular Program : 
• • Building Coverage: $600,000 
• • Contents Coverage: $15,000 
• • Condominium Type: Low-rise 
• • Flood Zone: AE 
• • Occupancy: Other Residential 
• • Number of Units: 6 
• • Date of Construction: Post-FIRM 
• • Building Type: 3 Floors, Townhouse, No Basement/Enclosure 
• • Deductible: $1,000/$1,000 
• • Deductible Factor: 1.000 
• • Replacement Cost: $600,000 
• • Elevation Difference: +2 
• • 80% Coinsurance Amount: $480,000 
• • ICC Premium: $5 ($30,000 Coverage) 
• • CRS Rating: N/A 
• • CRS Discount: N/A 
Determined Rates : 
Building: .22/.08 Contents: .38/.12 
BASIC LIMITS 
ADDITIONAL LIMITS 
(REGULAR PROGRAM ONLY) DEDUCTIBLE 
BASIC AND 
ADDITIONAL 
TOTAL 
O CV ERAGE PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
PREM. REDUCTION/ 
INCREASE 
TOTAL AMOUNT 
OF INSURANCE 
BUILDING $360,000 .22 $792 $240,000 .08 $192 $0 $600,000 $ 984 
CONTENTS $ 15,000 .38 $ 57 $0 .12 $0 $0 $ 15,000 $ 57 
RATE TYPE (ONE BUILDING PER POLICY — BLANKET COV ERAGE NOT PERMITTED): 
MANUAL SUBMIT FOR RATING 
ALTERNATIVE V-ZONE RISK RATING FORM 
PROV ISIONAL RATING LEASED FEDERAL PROPERTY 
MORTGAGE PORTFOLIO PROTECTION PROGRAM 
PAYMENT OPTION: 
CREDIT CARD 
OTHER: 
ANNUAL SUBTOTAL $1,041 
ICC PREMIUM $ 5 
SUBTOTAL $1,046 
CRS PREMIUM DISCOUNT % — 
SUBTOTAL $1,046 
The ab ove statements are correct to the best of my kn owledge . I understand that any false 
statements may be punis hable by fine OR impris onment under aplicable federal law . 
SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) 
PROBATION SURCHARGE — 
FEDERAL POLICY FEE $ 200 
TOTAL PREPAID AMOUNT $1,246 
Premium Calculation : 
1. Multiply Rate × $100 of Coverage: Building: $984 / Contents: $57 
2. Apply Deductible Factor: Building: 1.000 × $984 = $984 / Contents: 1.000 × $57 = $57 
3. Premium Reduction/Increase: Building: $0 / Contents: $0 
4. Subtotal: $1,041 
5. Add ICC Premium: $5 
6. Subtract CRS Discount: N/A 
7. Subtotal: $1,046 
8. Probation Surcharge: N/A 
9. Add Federal Policy Fee: $200 
10. Total Prepaid Amount: $1,246 
CLAIMS ADJUSTMENT WITH Coinsurance PROVISION: 
Coinsurance Penalty does not apply since the minimum insurance amount of 80% was met.
 CONDO 28 October 1, 2011 
CONDOMINIUM RATING EXAMPLE 5 
PRE-FIRM, HIGH-RISE, STANDARD DEDUCTIBLE, Coinsurance PENALTY, ZONE A 
Regular Program : 
• • Building Coverage: $1,110,000 
• • Contents Coverage: $100,000 
• • Condominium Type: High-rise 
• • Flood Zone: A 
• • Occupancy: Other Residential 
• • Number of Units: 50 
• • Date of Construction: Pre-FIRM 
• • Building Type: 3 or More Floors, No Basement/Enclosure 
• • Deductible: $2,000/$2,000 
• • Deductible Factor: 1.000 
• • Replacement Cost: $1,500,000 
• • Elevation Difference: N/A 
• • 80% Coinsurance Amount: $1,200,000 
• • ICC Premium: $70 ($30,000 Coverage) 
• • CRS Rating: 5 
• • CRS Discount: 25% 
Determined Rates : 
Building: .85/.24 Contents: .96/.82 
BASIC LIMITS 
ADDITIONAL LIMITS 
(REGULAR PROGRAM ONLY) DEDUCTIBLE 
BASIC AND 
ADDITIONAL 
TOTAL 
O CV ERAGE PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
PREM. REDUCTION/ 
INCREASE 
TOTAL AMOUNT 
OF INSURANCE 
BUILDING $175,000 .85 $1,488 $935,000 .24 $2,244 $0 $1,110,000 $3,732 
CONTENTS $ 25,000 .96 $ 240 $ 75,000 .82 $ 615 $0 $ 100,000 $ 855 
RATE TYPE (ONE BUILDING PER POLICY — BLANKET COV ERAGE NOT PERMITTED): 
MANUAL SUBMIT FOR RATING 
ALTERNATIVE V-ZONE RISK RATING FORM 
PROV ISIONAL RATING LEASED FEDERAL PROPERTY 
MORTGAGE PORTFOLIO PROTECTION PROGRAM 
PAYMENT OPTION: 
CREDIT CARD 
OTHER: 
ANNUAL SUBTOTAL $4,587 
ICC PREMIUM $ 70 
SUBTOTAL $4,657 
CRS PREMIUM DISCOUNT 25% -$1,164 
SUBTOTAL $3,493 
The ab ove statements are correct to the best of my kn owledge . I understand that any false 
statements may be punis hable by fine OR impris onment under aplicable federal law . 
SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) 
PROBATION SURCHARGE — 
FEDERAL POLICY FEE $ 840 
TOTAL PREPAID AMOUNT $4,333 
Premium Calculation : 
1. Multiply Rate × $100 of Coverage: Building: $3,732 / Contents: $855 
2. Apply Deductible Factor: Building: 1.000 × $3,732 = $3,732 / Contents: 1.000 × $855 = $855 
3. Premium Reduction/Increase: Building: $0 / Contents: $0 
4. Subtotal: $4,587 
5. Add ICC Premium: $70 
6. Subtract CRS Discount: -$1,164 (25%) 
7. Subtotal: $3,493 
8. Probation Surcharge: N/A 
9. Add Federal Policy Fee: $840 
10. Total Prepaid Amount: $4,333 
CLAIMS ADJUSTMENT WITH Coinsurance PROVISION: 
Claim Payment is determined as follows: 
(Insurance Carried) $1,110,000 
(Insurance Required) $1,200,000 
× (Amount of Loss) $200,000 = (Limit of Recovery) $185,000 – Less Deductible 
(Coinsurance Penalty applies because minimum insurance amount of $1,200,000 was not met.)
 CONDO 29 October 1, 2011 
CONDOMINIUM RATING EXAMPLE 6 
PRE-FIRM, HIGH-RISE, BASEMENT, MAXIMUM DISCOUNT, ZONE AE 
Regular Program : 
• • Building Coverage: $3,000,000 
• • Contents Coverage: $100,000 
• • Condominium Type: High-rise 
• • Flood Zone: AE 
• • Occupancy: Other Residential 
• • Number of Units: 50 
• • Date of Construction: Pre-FIRM 
• • Building Type: 3 or More Floors, including Basement 
• • Deductible: $5,000/$5,000 
• • Deductible Factor: .940 (Maximum Total Discount of $221 applies) 
• • Replacement Cost: $3,750,000 
• • Elevation Difference: N/A 
• • 80% Coinsurance Amount: $3,000,000 
• • ICC Premium: $70 ($30,000 Coverage) 
• • CRS Rating: 8 
• • CRS Discount: 10% 
Determined Rates : 
Building: .90/.33 Contents: .96/.99 
BASIC LIMITS 
ADDITIONAL LIMITS 
(REGULAR PROGRAM ONLY) DEDUCTIBLE 
BASIC AND 
ADDITIONAL 
TOTAL 
O CV ERAGE PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
PREM. REDUCTION/ 
INCREASE 
TOTAL AMOUNT 
OF INSURANCE 
BUILDING $175,000 .90 $1,575 $2,825,000 .33 $9,323 -$221 $3,000,000 $10,677 
CONTENTS $ 25,000 .96 $ 240 $ 75,000 .99 $ 743 $0 $ 100,000 $ 983 
RATE TYPE (ONE BUILDING PER POLICY — BLANKET COV ERAGE NOT PERMITTED): 
MANUAL SUBMIT FOR RATING 
ALTERNATIVE V-ZONE RISK RATING FORM 
PROV ISIONAL RATING LEASED FEDERAL PROPERTY 
MORTGAGE PORTFOLIO PROTECTION PROGRAM 
PAYMENT OPTION: 
CREDIT CARD 
OTHER: 
ANNUAL SUBTOTAL $11,660 
ICC PREMIUM $ 70 
SUBTOTAL $11,730 
CRS PREMIUM DISCOUNT 10% -$ 1,173 
SUBTOTAL $10,557 
The ab ove statements are correct to the best of my kn owledge . I understand that any false 
statements may be punis hable by fine OR impris onment under aplicable federal law . 
SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) 
PROBATION SURCHARGE — 
FEDERAL POLICY FEE $ 840 
TOTAL PREPAID AMOUNT $11,397 
Premium Calculation : 
1. Multiply Rate × $100 of Coverage: Building: $10,898 / Contents: $983 
2. Apply Deductible Factor: Building: .940 × $10,898 = $10,244 / Contents: .940 × $983 = $924 
3. Premium Reduction: Building: $221 (maximum discount since $10,898 – $10,244 = $654 
exceeds the maximum) / Contents: $0 
4. Subtotal: $11,660 
5. Add ICC Premium: $70 
6. Subtract CRS Discount: -$1,173 (10%) 
7. Subtotal: $10,557 
8. Probation Surcharge: N/A 
9. Add Federal Policy Fee: $840 
10. Total Prepaid Amount: $11,397 
CLAIMS ADJUSTMENT WITH Coinsurance PROVISION: 
Coinsurance Penalty does not apply since the minimum insurance amount of 80% was met. 
NOTE: The NFIP accepts premium only in whole dollars. If the discount for an optional deductible does not result in a wholedollar 
premium, round up if 50¢ or more; round down if less. Always submit gross premium.
 CONDO 30 October 1, 2011 
CONDOMINIUM RATING EXAMPLE 7 
POST-FIRM, HIGH-RISE, STANDARD DEDUCTIBLE, ZONE AE 
Regular Program : 
• • Building Coverage: $12,000,000 
• • Contents Coverage: $15,000 
• • Condominium Type: High-rise 
• • Flood Zone: AE 
• • Occupancy: Other Residential 
• • Number of Units: 100 
• • Date of Construction: Post-FIRM 
• • Building Type: 3 or More Floors, No Basement/Enclosure 
• • Deductible: $1,000/$1,000 
• • Deductible Factor: 1.000 
• • Replacement Cost: $15,000,000 
• • Elevation Difference: 0 
• • 80% Coinsurance Amount: $12,000,000 
• • ICC Premium: $5 ($30,000 Coverage) 
• • CRS Rating: 9 
• • CRS Discount: 5% 
Determined Rates : 
Building: 1.61/.05 Contents: .68/.12 
BASIC LIMITS 
ADDITIONAL LIMITS 
(REGULAR PROGRAM ONLY) DEDUCTIBLE 
BASIC AND 
ADDITIONAL 
TOTAL 
O CV ERAGE PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
PREM. REDUCTION/ 
INCREASE 
TOTAL AMOUNT 
OF INSURANCE 
BUILDING $175,000 1.61 $2,818 $11,825,000 .05 $5,913 $0 $12,000,000 $8,731 
CONTENTS $ 15,000 .68 $ 102 $0 .12 $0 $0 $ 15,000 $ 102 
RATE TYPE (ONE BUILDING PER POLICY — BLANKET COV ERAGE NOT PERMITTED): 
MANUAL SUBMIT FOR RATING 
ALTERNATIVE V-ZONE RISK RATING FORM 
PROV ISIONAL RATING LEASED FEDERAL PROPERTY 
MORTGAGE PORTFOLIO PROTECTION PROGRAM 
PAYMENT OPTION: 
CREDIT CARD 
OTHER: 
ANNUAL SUBTOTAL $8,833 
ICC PREMIUM $ 5 
SUBTOTAL $8,838 
CRS PREMIUM DISCOUNT 5% -$ 442 
SUBTOTAL $8,396 
The ab ove statements are correct to the best of my kn owledge . I understand that any false 
statements may be punis hable by fine OR impris onment under aplicable federal law . 
SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) 
PROBATION SURCHARGE — 
FEDERAL POLICY FEE $ 840 
TOTAL PREPAID AMOUNT $9,236 
Premium Calculation : 
1. Multiply Rate × $100 of Coverage: Building: $8,731 / Contents: $102 
2. Apply Deductible Factor: Building: 1.000 × $8,371 = $8,731 / Contents: 1.000 × $102 = $102 
3. Premium Reduction/Increase: Building: $0 / Contents: $0 
4. Subtotal: $8,833 
5. Add ICC Premium: $5 
6. Subtract CRS Discount: -$442 (5%) 
7. Subtotal: $8,396 
8. Probation Surcharge: N/A 
9. Add Federal Policy Fee: $840 
10. Total Prepaid Amount: $9,236 
CLAIMS ADJUSTMENT WITH Coinsurance PROVISION: 
Coinsurance Penalty does not apply since the minimum insurance amount of 80% was met. 
NOTE: The NFIP accepts premium only in whole dollars. If the discount for an optional deductible does not result in a wholedollar 
premium, round up if 50¢ or more; round down if less. Always submit gross premium.
 CONDO 31 October 1, 2011 
CONDOMINIUM RATING EXAMPLE 8 
PRE-FIRM, HIGH-RISE, ENCLOSURE, MAXIMUM DISCOUNT, Coinsurance PENALTY, ZONE AE 
Regular Program : 
• • Building Coverage: $4,000,000 
• • Contents Coverage: $100,000 
• • Condominium Type: High-rise 
• • Flood Zone: AE 
• • Occupancy: Other Residential 
• • Number of Units: 200 
• • Date of Construction: Pre-FIRM 
• • Building Type: 3 or More Floors, Including Enclosure 
• • Deductible: $3,000/$3,000 
• • Deductible Factor: .980 (Maximum Total Discount of $111 applies) 
• • Replacement Cost: $18,000,000 
• • Elevation Difference: N/A 
• • 80% Coinsurance Amount: $14,400,000 
• • ICC Premium: $70 ($30,000 Coverage) 
• • CRS Rating: N/A 
• • CRS Discount: N/A 
Determined Rates : 
Building: .90/.24 Contents: .96/1.18 
BASIC LIMITS 
ADDITIONAL LIMITS 
(REGULAR PROGRAM ONLY) DEDUCTIBLE 
BASIC AND 
ADDITIONAL 
TOTAL 
O CV ERAGE PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
PREM. REDUCTION/ 
INCREASE 
TOTAL AMOUNT 
OF INSURANCE 
BUILDING $175,000 .90 $1,575 $3,825,000 .24 $9,180 -$111 $4,000,000 $10,644 
CONTENTS $ 25,000 .96 $ 240 $ 75,000 1.18 $ 885 $0 $ 100,000 $ 1,125 
RATE TYPE (ONE BUILDING PER POLICY — BLANKET COV ERAGE NOT PERMITTED): 
MANUAL SUBMIT FOR RATING 
ALTERNATIVE V-ZONE RISK RATING FORM 
PROV ISIONAL RATING LEASED FEDERAL PROPERTY 
MORTGAGE PORTFOLIO PROTECTION PROGRAM 
PAYMENT OPTION: 
CREDIT CARD 
OTHER: 
ANNUAL SUBTOTAL $11,769 
ICC PREMIUM $ 70 
SUBTOTAL $11,839 
CRS PREMIUM DISCOUNT % — 
SUBTOTAL $11,839 
The ab ove statements are correct to the best of my kn owledge . I understand that any false 
statements may be punis hable by fine OR impris onment under aplicable federal law . 
SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) 
PROBATION SURCHARGE — 
FEDERAL POLICY FEE $ 840 
TOTAL PREPAID AMOUNT $12,679 
Premium Calculation : 
1. Multiply Rate × $100 of Coverage: Building: $10,755 / Contents: $1,125 
2. Apply Deductible Factor: Building: .980 × $10,755 = $10,540 / Contents: .980 × $1,125 = $1,103 
3. Premium Reduction: Building: $111 (maximum discount since $10,755 – $10,540 = $215 
exceeds the maximum) / Contents: $0 
4. Subtotal: $11,769 
5. Add ICC Premium: $70 
6. Subtract CRS Discount: N/A 
7. Subtotal: $11,839 
8. Probation Surcharge: N/A 
9. Add Federal Policy Fee: $840 
10. Total Prepaid Amount: $12,679 
CLAIMS ADJUSTMENT WITH Coinsurance PROVISION: 
Claim Payment is determined as follows: 
(Insurance Carried) $4,000,000 
(Insurance Required) $14,400,000 
× (Amount of Loss) $1,000,000 = (Limit of Recovery) $277,778 – Less Deductible 
(Coinsurance Penalty applies because minimum insurance amount of $14,400,000 was not met.)



LOWEST FLOOR GUIDE
 LFG 1 October 1, 2011 
This section is to be used as a guide for identifying 
the lowest floor for rating buildings being considered 
for coverage under the National Flood Insurance 
Program (NFIP). 
I. LOWEST FLOOR DETERMINATION 
The following guidance, along with the comments 
accompanying each building drawing provided in 
this section, will help insurance agents/producers 
determine the lowest floor so that the appropriate rate 
can be applied. 
A. Non-Elevated Buildings 
In a non-elevated building, the lowest floor used 
for rating is the building’s lowest floor including a 
basement, if any. 
If a building described and rated as a single-family 
dwelling located in an A Zone (any flood zone beginning 
with the letter A) has an attached garage floor elevation 
at or above the Base Flood Elevation (BFE), the garage 
floor may be excluded for rating. 
An attached garage floor elevation below the BFE can 
be excluded as the lowest floor for rating if the garage 
has no machinery or equipment below the BFE. 
If the garage has machinery or equipment below the 
BFE, the floor of the attached garage can be excluded 
from rating if all of the following conditions exist: 
• • The building is described and rated as a single-family 
dwelling; 
• • The building is located in an A Zone; 
• • The garage floor elevation is below the elevation of 
the top of the bottom floor; and 
• • The garage has proper openings (flood vents). 
If a building not described and rated as a single-family 
dwelling located in an A Zone has an attached garage, 
and the floor level of the garage is below the level of 
the building, use the garage floor as the lowest floor 
for rating. 
B. Elevated Buildings in A Zones 
In an elevated building located in an A Zone (any flood 
zone beginning with the letter A), the lowest floor 
used for rating is the lowest elevated floor, with the 
exceptions described below. 
If a building located in an A Zone has an enclosure 
below the elevated floor, including an attached garage, 
the enclosure or garage floor becomes the lowest floor 
for rating if any of the following conditions exists: 
• • The enclosed space is finished (having more than 20 
linear feet of interior finished wall [paneling, etc.]); or 
• • The unfinished enclosed space is used for other than 
building access (stairwells, elevators, etc.), parking, 
or storage; or 
• • The unfinished enclosed space has no proper 
openings (flood vents). 
NOTE: A garage attached to an elevated building is 
considered an enclosure. 
1. Proper Opening Requirements 
An elevated building with an enclosure or 
crawlspace below the elevated floor with proper 
flood openings (flood vents) in the enclosure or 
crawlspace can be rated using the elevated floor 
as the lowest floor. (For elevated buildings with 
proper flood openings in an unfinished enclosure 
or crawlspace, the Application should indicate 
“None” for enclosure.) This rule applies to buildings 
in zones A, A1–A30, AE, AO, AH, AR, and AR Dual. 
All enclosures (including an elevator shaft, a 
garage, or a crawlspace) below the lowest elevated 
floor must be designed to automatically equalize 
hydrostatic flood forces on exterior walls by 
allowing for the entry and exit of floodwaters. One 
of the following criteria must be met to satisfy this 
proper openings requirement: 
a. A minimum of 2 openings must be provided, 
with positioning on at least 2 walls, having a 
total net area of not less than 1 square inch for 
every square foot of enclosed area. The bottom 
of all openings must be no higher than 1 
foot above the higher of the exterior or interior 
grade (adjacent) or floor immediately below 
the openings. 
b. If the enclosure floor is partially subgrade, 
a minimum of 2 openings must be provided, 
with positioning on a single wall adjacent to 
the lowest grade next to the building, having 
a total net area of not less than 1 square inch 
for every square foot of enclosed area. The 
bottom of all openings must be no higher 
than 1 foot above the higher of the exterior or 
interior grade (adjacent) or floor immediately 
below the openings. 
2. Alternative to the Openings Requirement Above 
For architectural or other reasons, a designer 
or builder may use an alternative to satisfy the 
requirement for a building to have openings that 


 LFG 2 May 1, 2011 
provide 1 square inch per square foot of enclosed 
area below the BFE. These alternatives, which may 
be referred to as “engineered openings,” must 
be certified as having been designed to provide 
automatic equalization of hydrostatic flood forces 
by allowing for the entry and exit of floodwaters. 
Design requirements and specifications for 
certification statements are outlined in FEMA 
Technical Bulletin 1-08, “Openings in Foundation 
Walls and Walls of Enclosures Below Elevated 
Buildings in Special Flood Hazard Areas,” at http:// 
www.fema.gov/library/viewRecord.do?id=1579. 
If engineered openings are used as an alternative, 
the Write Your Own (WYO) Company or NFIP 
Servicing Agent must obtain a copy of the following 
documentation for its underwriting files: 
a. For engineered openings designed for 
installation in a specific building, a copy of 
the certification is required. This certification 
will verify to community officials that the 
openings are designed in accordance with the 
requirements of the NFIP, applicable building 
codes, and accepted standards of practice. The 
original certification statement must include the 
design professional’s name, title, address, type 
of license, license number, the state in which 
the license was issued, and the signature and 
applied seal of the certifying registered design 
professional. In addition, this certification shall 
identify the building in which the engineered 
openings will be installed and it shall address 
the following: (1) a statement certifying that 
the openings are designed to automatically 
equalize hydrostatic flood loads on exterior 
walls by allowing for the automatic entry and 
exit of floodwaters; (2) description of the range 
of flood characteristics tested or computed for 
which the certification is valid, such as rates of 
rise and fall of floodwaters; and (3) description 
of the installation requirements or limitations 
that, if not followed, will void the certification; or 
b. For engineered openings for which the 
International Code Council Evaluation Service, 
Inc., has issued an Evaluation Report, a copy of 
the Evaluation Report is required. This report is 
required to assure community officials that the 
openings are designed in accordance with the 
requirements of the NFIP, applicable building 
codes, and accepted standards of practice. The 
Evaluation Report identifies the model numbers 
of the engineered openings addressed in the 
report, specifies the number of engineered 
openings that are required for a specified 
square footage of enclosed area below the BFE, 
and lists installation requirements. Acceptable 
documentation must include the model 
numbers of the engineered openings, which 
must match the model numbers provided in the 
International Code Council Evaluation Report. 
3. C rawlspaces 
If a building elevated on a crawlspace is located 
in an A Zone and has an attached garage, use the 
following guidelines to determine the lowest floor 
for rating: 
• • Use the top of the crawlspace (under-floor 
space) floor or the garage floor, whichever is 
lower, if neither the crawlspace nor the garage 
has proper openings; or 
• • Use the top of the crawlspace floor, if the only 
area that has proper openings is the garage; or 
• • Use the top of the garage floor, if the only area 
that has proper openings is the crawlspace; or 
• • Use the top of the finished floor (habitable floor), 
if both the crawlspace and the garage have 
proper openings. 
Pre-FIRM buildings with subgrade crawlspaces 
that are below the BFE may use optional Post- 
FIRM elevation rating. Follow the Submit-for- 
Rate procedures. 
C. Elevated Buildings in V Zones 
In zones V, VE, and V1–V30, the floor of an 
enclosed area below the lowest elevated floor is 
the building’s lowest floor if any of the following 
conditions exists: 
• • The enclosed space is finished (having more 
than 20 linear feet of interior finished wall 
[paneling, etc.]); or 
• • The unfinished enclosed space is used for other 
than building access (stairwells, elevators, etc.), 
parking, or storage; or 
• • The enclosed space is of any size, and there 
is machinery or equipment below the BFE 
located inside or outside the enclosed space. 
(Machinery or equipment is defined as building 
items permanently affixed to the building and 
that provide utility services for the building – 
i.e., furnaces, water heaters, heat pumps, air 
conditioners, and elevators and their associated 
equipment. Washers, dryers, and food freezers 
are contents items and are not considered 
machinery or equipment.); or
 LFG 3 October 1, 2011 
• • The enclosed space is constructed with nonbreakaway 
walls. (A non-breakaway wall is 
defined as a wall that is attached to the 
structural support of the building and is not 
designed or constructed to collapse under 
specific lateral loading forces. This type of 
construction endangers the foundation system 
of the building.); or 
• • The enclosed space is 300 square feet or more 
and has breakaway walls; or 
• • The enclosed space has load-bearing 
(supporting) walls. 
If the enclosed space (enclosure) is at or above the 
BFE, use the “Free of Obstruction” rate table in the 
Rating or Condominiums section as appropriate. 
Also use these rates if an enclosure has solid 
load-bearing walls that provide less than 25% of 
the building’s structural support. The elevation of 
the bottom enclosure floor is the lowest floor for 
rating (LFE). 
Also see “E. Post-’81 V Zone Optional Rating” in 
the Rating section. 
II. USE OF ELEVATION CERTIFICATE 
The Elevation Certificate (EC) is used to properly 
rate buildings located in Special Flood Hazard Areas 
(SFHAs). Use the criteria below in determining whether 
use of the EC is mandatory or optional. (See the 
Special Certifications section for more information on 
using the EC.) 
A. Mandatory Use of Elevation Certificate 
An EC is required for a Post-FIRM building located 
in zones AE, A1–A30, VE, or V1–V30, or a Pre-FIRM 
building opting for Post-FIRM rates (see “B.” below). 
An EC is also required for a Post-FIRM building located 
in Unnumbered A Zones (With or Without BFE) and 
Zones AH and AO. In Zone AO, a Letter of Compliance 
is acceptable in lieu of an EC. 
If the building is Post-FIRM construction located in 
an unnumbered A Zone, check with the community 
official to determine whether there is a BFE. If 
available, an EC that certifies the lowest floor elevation 
must be submitted. 
B. 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. 
C. Guidelines for Determining the Conversion from 
NGVD 1929 to NAVD 1988 
NAVD 1988 is replacing NGVD 1929 as the national 
standard reference datum for elevations. To determine 
the conversion from NGVD to NAVD, contact the 
community official. The surveyor may have applied 
the conversion factor to the elevations entered on 
the EC. Unless the surveyor’s comments specifically 
state that the conversion was not performed, assume 
that line items C2.a–h have already been converted 
to the same elevation datum as the BFE reported in 
box B9. Following this guidance will ensure consistent 
application at the policy processing level. 
If the surveyor has not applied the conversion factor, 
the National Geodetic Survey (NGS) has developed 
a tool that will help you convert the LFE and BFE 
measurements to like form. This tool is available 
through the NGS website at http://www.ngs.noaa.gov/ 
cgi-bin/VERTCON/vert_con.prl. Enter the north latitude 
and west longitude of the structure. Enter “ft” in the 
orthometric height field. The conversion factor will then 
be provided for calculations. 
For example, to convert a property with a latitude of 
35° 15' and longitude of 121° 22' 30" from NGVD 29 
to NAVD 88, click on “Height Conversion” and enter 
the latitude and longitude in the degrees, minutes, 
seconds format (just replace the °, ', " symbols with 
a space). 
Enter the elevation to be converted in NGVD 29 (e.g., 
top of bottom floor, top of next-higher floor, bottom of 
lowest horizontal structural member, or lowest adjacent 
grade next to the building). If the elevation is measured 
in feet (most places other than Puerto Rico), be sure to 
include “ft” after the elevation so that the results will 
be in feet. 
As an example, enter a building elevation of 54.2 ft. 
Select Vertical Datum NGVD 29 and click on Submit. 
The result produced by VERTCON for this latitude and 
longitude will display a conversion factor of 2.987 
feet and a building elevation of 57.186 feet NAVD 88. 
Rounded to a tenth of a foot, the building elevation is 
57.2 feet NAVD 88. 
To convert a property from NAVD 88 to NGVD 29, 
enter data as above. Be sure to select Vertical Datum 
NAVD 88, then click on Submit. The result produced by 
VERTCON shows a conversion factor of 2.987 feet. Use 
the building elevation of 54.2 ft. The building elevation 
in NGVD 29 is 51.214 feet. Rounded to a tenth of a 
foot, the building elevation is 51.2 feet NGVD 29.
 LFG 4 May 1, 2011
 LFG 9 October 1, 2011 
III. SPECIFIC BUILDING DRAWINGS 
Table of CONTENTS 
SECT ION PAGE 
Elevated Buildings for Pre- and Post-FIRM Risks 
in Flood Zones B, C, X, A99, and D. . LFG 10 – LFG 13 
Non-Elevated Buildings for Pre- and Post-FIRM Risks 
in Flood Zones B, C, X, A99, and D. . LFG 14 – LFG 17 
Elevated Buildings for Pre- and Post-FIRM Risks 
in Flood Zones A, AO, and AH . . LFG 18 – LFG 24 
Non-Elevated Buildings for Pre- and Post-FIRM Risks 
in Flood Zones A, AO, and AH . . LFG 25 – LFG 29 
Non-Elevated Buildings for Pre- and Post-FIRM Risks 
in Flood Zones AE and A1–A30 . . LFG 30 – LFG 37 
Elevated Buildings for Pre- and Post-FIRM Risks 
in Flood Zones AE and A1–A30 . . LFG 38 – LFG 52 
Non-Elevated Buildings for Pre- and Post-FIRM Risks 
with Construction Dates of 1975 to September 30, 1981, 
in Flood Zones VE and V1–V30 . . LFG 53 – LFG 58 
Elevated Buildings for Pre- and Post-FIRM Risks 
with Construction Dates of 1975 to September 30, 1981, 
in Flood Zones VE and V1–V30 . . LFG 59 – LFG 71 
Elevated Buildings for Post-FIRM Risks 
in Flood Zones VE and V1–V30, 
Construction Date October 1, 1981, and After. . LFG 72 – LFG 83 
Non-Elevated Buildings for Post-FIRM Risks 
in Flood Zones VE and V1–V30, 
Construction Date October 1, 1981, and After. . LFG 84


SPECIAL CERTIFICATIONS
 CERT 1 October 1, 2011 
This section presents detailed instructions for the 
completion of the National Flood Insurance Program 
(NFIP) Elevation Certificate (EC) 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 EC is an important administrative tool of the 
NFIP. It is to be used to provide elevation information 
necessary to ensure compliance with community 
floodplain management ordinances, to determine 
the proper insurance premium rate, and to support 
a request for a Letter of Map Amendment (LOMA) or 
Letter of Map Revision based on Fill (LOMR-F). 
The NFIP EC form and instructions were revised 
effective March 16, 2009. The surveyor, engineer, 
architect, property owner, or owner’s representative 
is required to provide the square footage of any 
crawlspace or enclosure(s) below the lowest elevated 
floor (including an attached garage) plus information 
about any permanent flood openings in the crawlspace 
or enclosure(s). When the EC is being submitted to 
obtain flood insurance through the NFIP, generally at 
least 2 photographs of the building must accompany 
it. This additional information will significantly enhance 
the agent’s/producer’s and company underwriter’s 
ability to properly rate elevation-rated risks. Current 
photograph requirements, and exceptions to them, are 
described in Section II. below. 
Elevations certified on or after April 1, 2010, must be 
submitted on the 2009 EC form. An exception is made 
when the community official completes the 2006 EC 
with elevation data received by the community before 
April 1, 2010. It must be noted in the Comments area 
of Section G of the 2006 EC that the community had 
the data on file before April 1, 2010. 
When 2 or more ECs are submitted for the same 
building, use the EC with the latest certified date when 
rating the policy. 
Non-NFIP elevation certification forms certified on or 
after October 1, 2000, do not satisfy NFIP requirements 
and cannot be used for rating policies. 
The EC is required on Post-FIRM buildings constructed 
in an SFHA, but is optional on Post-FIRM buildings 
constructed in a non-SFHA and on Pre-FIRM 
construction. For Post-FIRM buildings constructed in 
a non-SFHA and remapped to an SFHA and that are 
eligible for grandfathering, the insured has the option 
of obtaining an EC or continuing with the non-SFHA 
rates without an EC. The EC is required by the NFIP to 
certify the lowest floor elevation of a building so that 
the policy can be properly rated, as follows (also see 
the Lowest Floor Guide section in this manual): 
• • All Post-FIRM Buildings 
The EC is to be completed by a land surveyor, an 
engineer, or an architect who is authorized by state 
or local law to certify elevation information when it 
is required for zones A1–A30, AE, AH, AO, A (with 
or without 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 may be available through the community 
official if the community is a Community Rating 
System (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 Buildings Rated Using Post-FIRM Rates 
Pre-FIRM construction can be elevation rated using 
Post-FIRM EC rates, which are more favorable rates if 
the lowest floor of the building is at or above the BFE 
for the community. In many 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 
EC in an attempt to secure a lower rate. The decision 
to obtain an EC and to request Post-FIRM rating of a 
Pre-FIRM building is an option of the insured. 
• • AR and AR Dual Zones 
The EC is optional on all Post- and Pre-FIRM 
construction located in AR and AR Dual Zones. 
The decision to obtain an EC and to request 
Post-FIRM rating is at the discretion of the 
insured. The EC includes the AR and AR Dual Zone 
elevation requirements. 
The agent/producer is to attach a copy of the completed 
and signed EC to the Application. The certifier’s seal or 
license number must be legible on the copy of the EC. 
The agent/producer and the policyholder should retain 
a copy. 
II. PHOTOGRAPH REQUIREMENTS 
Generally, all new business applications for elevationrated 
risks with a policy effective date of January 
1, 2007, or later must be submitted with at least 2 
photographs that show the front and back of the 
building and were taken and dated within 90 days of the 
mailing date (not the certification date, if that date was 


 CERT 2 October 1, 2011 
earlier). For buildings with flood openings (flood vents), 
1 or more photographs must clearly show the openings. 
If the building is a split level or has multi-level areas at 
ground level, at least 2 additional photographs showing 
views of both sides of the building must be submitted. 
• • Exception 1: When an agent/producer moves his 
or her book of business from 1 insurer to another, 
or when an insurer acquires another’s book of 
business, photographs are not required. The 
Federal Emergency Management Agency (FEMA) will 
continue to consider such policies as renewals, even 
though they are reported as new business under the 
Transaction Record Reporting and Processing Plan. 
(However, when an insured changes agent/producer 
and insurer, the policy is considered new business, 
and photographs are required.) 
• • Exception 2: When a Flood Insurance Application 
and an EC are submitted for a building in the course 
of construction, photographs are not required and 
proposed elevations will be used for rating. When 
the building is completed, a revised EC with required 
photographs and as-built elevations must be 
submitted for use in rerating the policy. 
These requirements also apply to all renewal and 
endorsement transactions adding elevation rating 
effective on or after January 1, 2007. 
For the convenience of users, 2 Building Photographs 
pages are included with the EC and instructions. 
However, photographs may be attached to any sheet(s) 
of blank paper or business letterhead. All photographs 
must measure at least 3"× 3", provide a clear image of 
the building’s distinguishing features, and include date 
taken. Analog or digital photographs are acceptable; 
color photographs are preferred. 
An EC submitted without the required photographs is 
not considered valid for rating, unless the building is 
in the course of construction. Each Write Your Own 
(WYO) Company may use its current business practices 
in handling ECs without photographs, whether that 
is tentative rating, provisional rating, or rejection of 
the Application. 
III. USING THE ELEVATION CERTIFICATE: SPECIAL 
CONSIDERATIONS 
A. Section A – Property Information 
• • Section A of the EC includes the building use. This 
information is helpful in validating the data collected 
by the insurance agent/producer, and the Flood 
Insurance Application information. 
• • On the EC, latitude, longitude, and related information 
are optional only if the document is being certified by 
other than a licensed surveyor, engineer, or architect. 
• • If the EC is being used to obtain flood insurance, and 
the certification date is on or after January 1, 2007, 
the EC must be accompanied by at least 2 current 
photographs of the building. (See “II. Photograph 
Requirements” above.) 
• • For any crawlspace, enclosure(s), or attached 
garage, the EC collects square footage, number 
of flood openings within 1.0 foot above the higher 
of the exterior or interior grade (adjacent) or floor 
immediately below the openings, and total area of 
flood openings in square inches. (A parking area 
located beneath an elevated floor is not considered 
an attached garage.) 
The information found in Section A of the EC is 
critical, as it relates to the insured property. Should 
information be missing from Section A (except latitude, 
longitude, and 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 issuance of the 
flood insurance policy. 
B. Section B – Flood Insurance Rate Map (FIRM) 
Information 
The Flood Insurance Rate Map (FIRM) information 
includes the following: 
• • FIRM panel effective date and revision 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 CBRS section of this manual for 
flood insurance coverage eligibility. 
C. 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/ 
producer is required to determine the lowest floor for 
rating flood insurance. 
As it relates to Section C, information found not to be 
applicable to the property being certified should be 
marked N/A (not applicable) by the surveyor, engineer, 
or architect. If any part of Section C is left blank, 
 CERT 3 October 1, 2011 
critically review it and contact the surveyor, engineer, 
or architect who completed the form and your company 
underwriter with any questions. 
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 crawlspaces to obtain the 
elevation of the crawlspace floor. In this instance, Item 
C2.a on the EC may be left blank and the estimated 
measurements entered in the Comments area of 
Section D. 
Elevations in Section C are based on feet, except in 
Puerto Rico, where the metric system is used. The 
agent/producer must convert any metric elevation 
readings into feet before calculating the flood 
insurance premium. 
D. Section D – Surveyor, Engineer, or Architect 
Certification 
Section D is the surveyor’s, engineer’s, or architect’s 
certification that the information provided in Sections 
A, B, and C 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. 
E. Section E – Building Elevation Information 
(Survey Not Required) for Zone AO and Zone A 
(Without BFE) 
The elevation differences between the lowest floor and 
the lowest adjacent grade and highest adjacent grade 
are required. 
For Zone A (without a FEMA-issued or communityissued 
BFE) and Zone AO, a property owner or owner’s 
authorized representative may complete Sections A, B, 
and E. 
F. Section F – Property Owner (or Owner’s 
Representative) Certification 
Address and other contact information about the 
property owner are requested in Section F. The party 
completing Sections A, B, and E must execute Section 
F as well. 
G. Section G – Community Information (Optional) 
The local official who is authorized by law or ordinance 
to administer the community’s floodplain management 
ordinance may transfer elevation information found 
on existing documentation (i.e., an older Elevation 
Certification form, or surveyor letterhead) to Section 
C of the EC. The local official must then certify this 
information by fully completing Section G. A statement 
advising FEMA of this transfer of information must be 
made in the Comments area. Section G may also be 
used to certify Item E5. 
IV. FLOODPROOFING CERTIFICATE 
A. Purpose and Eligibility 
• • In certain circumstances, floodproofing may be 
permitted as an alternative to elevating to or above 
the BFE; however, a floodproofing design certification 
is required. Certified floodproofing may result in 
lower rates. Floodproofing credit cannot be applied 
to buildings under construction. 
• • Non-residential buildings in any community, in all 
locations except in V Zones, may be floodproofed in 
lieu of elevating. 
• • Residential buildings may be floodproofed only if they 
have basements, are located in zones A1–A30, AE, 
AR, AR Dual, AO, AH, and A with BFE, and only if they 
are located in communities specifically approved 
and authorized by FEMA. A current list of approved 
communities appears on page CERT 4. 
• • The allowable methods of floodproofing for nonresidential 
buildings differ from those allowed for 
residential buildings. The specific requirements 
should be available from the local government. 
B. Specifications 
The specifications for floodproofing ensure that the 
building is watertight, its floodproofed walls will not 
collapse, and the floor at the base of the floodproofed 
walls will resist flotation during flooding conditions. For 
residential buildings, the building must be watertight 
without human intervention. 
C. Rating 
In order to be eligible for lower rates, the insured 
must have a registered professional engineer or 
architect certify that the floodproofing conforms with 
the minimum floodproofing specifications of FEMA. 
This means that the building must be floodproofed 
to at least 1 foot above the BFE. If floodproofed to 
1 foot above the BFE, flood depth, or comparable 
community-approved floodplain management 
standards, it can then be treated for rating purposes 
as having a “0” elevation difference from the BFE. 
This certification must be submitted with the Flood 
Insurance Application, and must be accompanied by at 
least 2 photographs. For non-residential buildings, the 
photographs must show the floodproofing measures 
in place.
 CERT 4 October 1, 2011 
To further illustrate, if the building is certified to be 
floodproofed to 2 feet above the BFE, flood depth, 
or comparable community-approved floodplain 
management standards, whichever is highest, then it 
is credited for floodproofing and is to be treated for 
rating purposes as having a “+1” foot elevation. See the 
Rating section for information on rounding elevations. 
D. Certification 
1. R esidential Buildings (With Basements) 
The Residential Basement Floodproofing 
Certificate is available for residential buildings 
with basements located in zones A1–A30, AE, AR, 
AR Dual, AO, AH, and A with BFE and located in 
a FEMA-approved community that is listed in the 
table below. To receive credit for floodproofing, 
the completed certificate must be submitted. 
The Residential Floodproofing Rating Credit may 
be grandfathered for those residential buildings 
with a valid Residential Basement Floodproofing 
Certificate that were constructed between the 
effective date and rescission date, but not on or 
after the rescission date. 
2. Non-Residential Buildings 
A completed Floodproofing Certificate for Non- 
Residential Structures is required for all such 
buildings in Regular Program communities, located 
in zones A1–A30, AE, AR, AR Dual, AO, AH, and A 
with BFE, in order to receive credit for floodproofing 
in lieu of elevation. 
APPROVED COMMUNITIES FOR RESIDENTIAL BASEMENT 
FLOODPROOFING RATING CREDIT 
COMMUNITY 
NUMBER 
STATE/ 
COMMUNITY NAME EFFECTIVE DATE1 STATUS2 
Alaska 
025009 Fairbanks N. Star Borough 2/28/73 Current 
Idaho 
160028 Ammon, City of 6/8/90 Current 
Iowa 
190488 
190031 
190309 
Clive, City of 
Independence, City of 
La Porte City, City of 
4/24/81 
9/7/89 
6/12/89 
Current 
Current 
Current 
Kansas 
200075
200484 
200323 
200019 
200131 
200215 
200334 
200319 
200316 
200134 
Chapman, City of
Colwich, City of 
Derby, City of 
Great Bend, City of 
Halstead, City of 
Lindsborg, City of 
Rossville, City of 
Salina, City of 
Saline County 
Sedgwick, City of 
8/13/08
1/17/86 
2/15/833 
8/10/83 
7/8/83 
11/7/94 
2/18/92 
3/6/86 
1/14/86 
5/19/863 
Current
Current 
Current 
Current 
Current 
Current 
Current 
Current 
Current 
Current 
Minnesota 
270267 
275235 
270080 
275236 
275244 
Alvarado, City of 
Clay County 
Dilworth, City of 
East Grand Forks, City of 
Moorhead, City of 
2/28/85 
3/28/75 
8/29/83 
5/15/863 
2/12/76 
Current 
Current 
Current 
Current 
Current 
1 Effective date corresponds to the date of the letter from FEMA that granted the community’s exception request. 
2 The Residential Floodproofing Rating Credit may be grandfathered for those residential buildings with a valid Residential Basement 
Floodproofing Certificate that were constructed between the effective date and rescission date, but not on or after the rescission date. 
3 The date the community adopted floodproofing ordinances.


PREFERRED RISK POLICY
 PRP 1 October 1, 2011 
I. GENERAL DESCRIPTION 
The Preferred Risk Policy (PRP) is a lower-cost 
Standard Flood Insurance Policy (SFIP), written under 
the Dwelling Form or General Property Form. It offers 
fixed combinations of building/contents coverage limits 
or contents-only coverage. 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. It is also available 
for buildings that are eligible under the 2-year PRP 
Eligibility Extension. (See eligibility requirements below.) 
For residential properties, the maximum coverage 
combination is $250,000 building and $100,000 
contents. Up to $100,000 contents-only coverage 
is available. 
For non-residential properties, the maximum 
coverage combination is $500,000 building and 
$500,000 contents. Up to $500,000 contents-only 
coverage is available. 
Only 1 building can be insured per policy, and only 1 
policy can be written on each building. 
II. ELIGIBILITY REQUIREMENTS 
A. Flood Zone 
To be eligible for coverage under the PRP, the building 
must be in a B, C, or X Zone on the effective date of the 
policy, with the following exceptions: 
• • Buildings that were newly designated within a Special 
Flood Hazard Area (SFHA) due to a map revision on 
or after October 1, 2008, and before January 1, 
2011, are eligible for a PRP for 2 policy years if their 
policy effective date is between January 1, 2011, 
and December 31, 2012. 
• • Buildings that are newly designated within an SFHA 
due to a map revision on or after January 1, 2011, 
are eligible for a PRP for 2 policy years from the map 
revision date. 
Buildings meeting the above requirement must also 
meet the PRP loss history requirements. At the end 
of the 2-year PRP Eligibility Extension period following 
a map revision, policies on these buildings must be 
written as standard-rated policies. 
For the purpose of determining the flood zone, the 
agent/producer may use the Flood Insurance Rate 
Map (FIRM) in effect at the time of application and 
presentment of premium, except when the building 
is eligible for the PRP under the 2-year PRP Eligibility 
Extension. The flood map available at the time of 
the renewal offer determines a building’s continued 
eligibility for the PRP. NFIP grandfathering rules do not 
apply to the PRP. 
B. Occupancy 
Combined building/contents amounts of insurance 
are available for owners of all eligible occupancy 
types — 1–4 family properties (including individual 
condominium units in condominium buildings), other 
residential properties, and non-residential properties. 
Contents-only coverage is available for tenants and 
owners of all eligible occupancies, except when 
contents are located entirely in a basement. 
C. Loss History 
A building’s eligibility for the PRP is based on the 
preceding requirements and on the building’s flood 
loss history. If one of the following conditions exists 
within any 10-year period, regardless of any change(s) 
in ownership of the building, then the building is not 
eligible for the PRP: 
• • 2 flood insurance claim payments for separate 
losses, each more than $1,000; or 
• • 3 or more flood insurance claim payments for 
separate losses, regardless of amount; or 
• • 2 Federal flood disaster relief payments (including 
loans and grants) for separate occurrences, each 
more than $1,000; or 
• • 3 Federal flood disaster relief payments (including 
loans and grants) for separate occurrences, 
regardless of amount; or 
• • 1 flood insurance claim payment and 1 Federal 
flood disaster relief payment (including loans and 
grants), each for separate losses and each more 
than $1,000. 
In determining a building’s flood loss history for PRP 
eligibility, Federal flood disaster relief payments 
 
THE PRP AT A GLANCE 
COVER AGE TYPE 
MAXIMUM LIMITS BY OCCUPANCY TYPE 
1–4 Family Other Residential No n-Residential 
Combined Building/ 
Contents 
$250,000/ 
$100,000 
$250,000/ 
$100,000 
$500,000/ 
$500,000 
Contents Only $100,000 $100,000 $500,000 

 PRP 2 October 1, 2011 
(including loans and grants) are considered only if the 
building sustained flood damage. 
III. INELIGIBILITY 
For help in determining eligibility/ineligibility of 
various condominium risks, use the PRP 
Condominium Rating Chart in this section. 
• • Buildings and/or contents in Emergency Program 
communities are not eligible for the PRP. 
• • Buildings and/or contents in SFHAs are not eligible 
for the PRP, unless eligible under the 2-year PRP 
Eligibility Extension. 
• • Multi-unit residential condominium buildings eligible 
under the Residential Condominium Building 
Association Policy (RCBAP) are not eligible for the PRP. 
• • Individual residential condominium units in nonresidential 
condominium buildings are not eligible for 
building coverage. 
• • Individual non-residential condominium units are not 
eligible for building coverage. 
• • Contents located entirely in a basement are not 
eligible for contents-only coverage. However, 
contents located entirely in an enclosure are eligible. 
• • Condominium units are not eligible for Increased 
Cost of Compliance (ICC) coverage. 
• • Buildings on Leased Federal Property determined by 
the Administrator to be located on the river-facing 
side of any dike, levee, or other riverine flood-control 
structure, or seaward of any seawall or other coastal 
flood-control structure are not eligible for the PRP. 
IV. DOCUMENTATION 
All PRP new business applications must include 
current documentation of eligibility for the PRP. Such 
applications must be accompanied by 1 of the following: 
• • A Letter of Map Amendment (LOMA); 
• • A Letter of Map Revision (LOMR); 
• • A Letter of Determination Review (LODR); 
• • A copy of the most recent flood map marked to show 
the exact location of the property and flood zone of 
the building; 
• • A letter indicating the property address and flood 
zone of the building, and signed and dated by a local 
community official; 
• • An Elevation Certificate indicating the exact location 
and flood zone of the building, signed and dated 
by a surveyor, an engineer, an architect, or a local 
community official; or 
• • A flood zone determination certification that 
guarantees the accuracy of the information. 
If issuing coverage under the 2-year PRP Eligibility 
Extension, the previous and current zones must each 
be documented with 1 of the items from the list above. 
An agent/producer writing through a Write Your 
Own (WYO) Company should contact that company 
for guidance. 
V. RENEWAL 
An eligible risk renews automatically without submission 
of a new application. If, during a policy term, the risk 
fails to meet the eligibility requirements, it cannot be 
renewed as a PRP. It must be nonrenewed or rewritten 
as a standard-rated policy. 
Effective May 1, 2008, if there has been a map change 
during the policy term that may affect the insured 
property, proof of the building’s continued eligibility for 
the PRP must be provided for the policy to be renewed. 
In addition, effective January 1, 2011, PRPs renewed 
under the 2-year PRP Eligibility Extension must have 
the current and previous flood maps to document the 
building’s eligibility. 
VI. COVERAGE LIMITATIONS 
The elevated building coverage limitation provisions 
do not apply to the PRP; however, basement coverage 
limitations do apply. 
VII. REPLACEMENT COST COVERAGE 
Replacement cost coverage is provided only under 
the Dwelling Form when the building is the principal 
residence of the insured and the building coverage 
limits are at least 80% of the replacement cost of the 
building at the time of the loss, or the maximum limits 
available under the NFIP. 
VIII. DISCOUNTS/FEES/ICC PREMIUM 
• • Community Rating System (CRS) discounts are not 
available for the PRP. 
• • The $50 Community Probation Surcharge is added, 
when applicable. 
• • The Federal Policy Fee of $20 is included in the 
premium and is not subject to commission.
 PRP 3 October 1, 2011 
• • The ICC Premium of $5 is included in the premium. 
Deduct this amount if the risk is a condominium unit. 
IX. DEDUCTIBLES 
The standard deductible for PRPs is $1,000 each for 
building and contents, applied separately. Optional 
deductibles are not available for PRPs. 
X. ENDORSEMENTS 
The PRP may be endorsed to: 
• • Increase coverage mid-term, subject to the coverage 
limits in effect when the policy was issued or 
renewed. See the General Change Endorsement 
section in this manual for an example. 
• • Correct misratings, such as incorrect building 
description or community number. 
XI. CONVERSION OF STANDARD-RATED POLICY 
TO PRP DUE TO MISRATING 
A policy written as a standard-rated B, C, or X Zone 
policy and later found to be eligible for a PRP may be 
endorsed or canceled and rewritten as a PRP for only 
the current policy term. In addition, effective January 
1, 2011, standard-rated policies, regardless of zone, 
found to be eligible for the 2-year PRP extension may 
be endorsed or canceled and rewritten. 
When a 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 insurer 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; and 
• • The policy has no open claim or closed paid claim on 
the policy term being canceled. 
The new PRP building and/or contents coverage will 
be equal either to the building limit issued under the 
standard-rated 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-rated B, C, or X Zone building 
limit. For a standard-rated contents-only policy, the 
contents coverage will be equal to the limit issued 
under the standard-rated policy or the next-higher 
limit. If building coverage is desired, the policy should 
be endorsed for building and contents coverage with a 
30-day waiting period applied. 
XII. CONVERSION OF STANDARD-RATED POLICY 
TO PRP DUE TO THE 2-YEAR PRP 
ELIGIBILITY EXTENSION 
A policy correctly written as a standard-rated policy 
and determined to be newly eligible for extended 
PRP rating may be endorsed at its next renewal, or 
rewritten as a PRP for 2 policy terms. When converting 
a standard-rated policy to a PRP due to the 2-year PRP 
Eligibility Extension, the 30-day waiting period will not 
apply if the standard-rated policy has only building 
coverage and is rewritten as a PRP that includes 
contents coverage. 
XIII. CONVERSION OF STANDARD-RATED POLICY 
TO PRP DUE TO MAP REVISION, LOMA, 
OR LOMR 
A standard-rated policy may be endorsed or canceled 
and rewritten as a PRP as a result of a map revision, 
LOMA, or LOMR if the effective date of the map change 
was on or after February 1, 2005. 
The policy may be canceled/rewritten using Cancellation 
Reason Code 24 under the following conditions: 
• • The request to cancel/rewrite the standard-rated 
policy must be received during the policy term or 
within 6 months of the policy expiration date. 
• • The standard-rated 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-rated policy, 
or to the next-higher limit available under the PRP if 
there is no PRP option equal to the standard-rated 
policy building and/or contents limit.


 PRP 4 October 1, 2011 
PREFERRED RISK POLICY CONDOMINIUM RATING CHART 
Residential single -unit building or 
townhouse -/rowhouse -type building with separatentrance for each unit 
PURCHASER OF 
POLICY 
Buil ding 
Occupa ncy 1 
Condo Unit 
Indica tor 1 
PRP 
Eli gibili ty Rate Table Policy For m 
UNIT OWNER Single family Yes Yes 1–4 Family residential Dwelling 
ASSOCIATION 
(ASSOCIATION-OWNED 
SINGLE UNIT ONLY) 
Single family Yes Yes 1–4 Family residential Dwelling 
ASSOCIATION 
(ENTIRE BUILDING) N/A N/A No N/A N/A 
MULTI-UNIT RESIDENTIAL BUILDING – 2 TO 4 UNITS PER BUILDING 
PURCHASER OF 
POLICY 
Buil ding 
Occupa ncy 1 
Condo Unit 
Indica tor 1 
PRP 
Eli gibili ty Rate Table Policy For m 
UNIT OWNER 2–4 Yes Yes 1–4 Family residential Dwelling 
ASSOCIATION 
(ASSOCIATION-OWNED 
SINGLE UNIT ONLY) 
2–4 Yes Yes 1–4 Family residential Dwelling 
ASSOCIATION 
(ENTIRE BUILDING) N/A N/A No N/A N/A 
OWNER OF NONRESIDENTIAL 
CONTENTS Non-residential 
Yes 
(Building coverage 
not available) 
Yes 
Non-residential 
contents-only General Property 
MULTI-UNIT RESIDENTIAL BUILDING – 5 OR MORE UNITS PER BUILDING 
PURCHASER OF 
POLICY 
Buil ding 
Occupa ncy 1 
Condo Unit 
Indica tor 1 
PRP 
Eli gibili ty Rate Table Policy For m 
UNIT OWNER Other residential Yes Yes Other residential Dwelling 
ASSOCIATION 
(ASSOCIATION-OWNED 
SINGLE UNIT ONLY) 
Other residential Yes Yes Other residential Dwelling 
ASSOCIATION 
(ENTIRE BUILDING) N/A N/A No N/A N/A 
OWNER OF NONRESIDENTIAL 
CONTENTS Non-residential 
Yes 
(Building coverage 
not available) 
Yes 
Non-residential 
contents-only General Property 
NON-RESIDENTIAL BUILDING 
PURCHASER OF 
POLICY 
Buil ding 
Occupa ncy 1 
Condo Unit 
Indica tor 1 
PRP 
Eli gibili ty Rate Table Policy For m 
OWNER OF NONRESIDENTIAL 
CONTENTS Non-residential 
Yes 
(Building coverage 
not available) 
Yes Non-residential 
contents-only General Property 
OWNER OF RESIDENTIAL 
CONTENTS Single family 
Yes 
(Building coverage 
not available) 
Yes Residential 
contents-only Dwelling 
ASSOCIATION 
(ENTIRE BUILDING) Non-residential N/A Yes Non-residential building 
and contents General Property 
1 When there is a mixture of residential and commercial usage within a single building, refer to the General Rules section of this manual.
 PRP 5 October 1, 2011 
PRP COVERAGE LIMITS AVAILABLE EFFECTIVE JANUARY 1, 2011 
1–4 FAMILY RESIDENTIAL BUILDING AND CONTENTS COVERAGE COMBINATIONS1, 2, 3 
With Base ment or Enclosure 4 Withou t Base ment or Enclosure 5 
Building Contents Premium Building Contents Premium 
$ 20,000 $ 8,000 $154 $ 20,000 $ 8,000 $129 
$ 30,000 $ 12,000 $185 $ 30,000 $ 12,000 $160 
$ 50,000 $ 20,000 $236 $ 50,000 $ 20,000 $211 
$ 75,000 $ 30,000 $277 $ 75,000 $ 30,000 $247 
$100,000 $ 40,000 $304 $100,000 $ 40,000 $274 
$125,000 $ 50,000 $324 $125,000 $ 50,000 $294 
$150,000 $ 60,000 $343 $150,000 $ 60,000 $313 
$200,000 $ 80,000 $378 $200,000 $ 80,000 $343 
$250,000 $100,000 $405 $250,000 $100,000 $365 
RESIDENTIAL CONTENTS-ONLY COVERAGE1, 2, 6 
Contents Abo ve Grou nd Level More Tha n 1 Flor All Other Loca tio ns (Base ment-Only No t Eli gible ) 
Contents Premium Contents Premium 
$ 8,000 $49 $ 8,000 $68 
$ 12,000 $65 $ 12,000 $92 
$ 20,000 $96 $ 20,000 $128 
$ 30,000 $110 $ 30,000 $147 
$ 40,000 $122 $ 40,000 $164 
$ 50,000 $134 $ 50,000 $181 
$ 60,000 $146 $ 60,000 $198 
$ 80,000 $170 $ 80,000 $218 
$100,000 $194 $100,000 $238 
OTHER RESIDENTIAL BUILDING AND CONTENTS COVERAGE COMBINATIONS1, 2, 3 
With Basement or Enclosure4 
Contents Covera ge $8,000 $12,000 $20,000 $30,000 $40,000 $50,000 $60,000 $80,000 $100,000 
B
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$ 20,000 $168 $182 $195 $208 $220 $231 $242 $252 $262 
$ 30,000 $182 $196 $209 $222 $234 $245 $256 $266 $276 
$ 50,000 $216 $230 $243 $256 $268 $279 $290 $300 $310 
$ 75,000 $232 $246 $259 $272 $284 $295 $306 $316 $326 
$100,000 $254 $268 $281 $294 $306 $317 $328 $338 $348 
$125,000 $261 $275 $288 $301 $313 $324 $335 $345 $355 
$150,000 $266 $280 $293 $306 $318 $329 $340 $350 $360 
$200,000 $297 $311 $324 $337 $349 $360 $371 $381 $391 
$250,000 $314 $328 $341 $354 $366 $377 $388 $398 $408 
OTHER RESIDENTIAL BUILDING AND CONTENTS COVERAGE COMBINATIONS1, 2, 3 
Without Basement or Enclosure5 
Contents Covera ge $8,000 $12,000 $20,000 $30,000 $40,000 $50,000 $60,000 $80,000 $100,000 
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$ 20,000 $140 $152 $163 $174 $184 $194 $203 $212 $220 
$ 30,000 $158 $169 $180 $191 $201 $211 $220 $229 $237 
$ 50,000 $193 $204 $215 $226 $236 $246 $255 $264 $272 
$ 75,000 $213 $224 $235 $245 $255 $265 $274 $283 $291 
$100,000 $231 $242 $253 $263 $273 $283 $292 $301 $309 
$125,000 $240 $251 $262 $272 $282 $291 $300 $309 $317 
$150,000 $247 $258 $269 $279 $289 $298 $307 $316 $324 
$200,000 $275 $286 $297 $307 $317 $326 $335 $343 $351 
$250,000 $290 $301 $312 $322 $332 $341 $350 $358 $366 
1 Add the $50 Probation Surcharge, if applicable. 
2 Premium includes Federal Policy Fee of $20. 
3 Premium includes ICC Premium of $5. Deduct this amount if the risk is a condominium unit. 
4 Do not use this section of the table for buildings with crawlspaces or subgrade crawlspaces; see footnote 5. Use this section of the 
table if a building elevated on a crawlspace has an attached garage without openings. 
5 Use this section of the table for buildings with crawlspaces or subgrade crawlspaces. 
6 Use this “All Residential Contents-Only Coverage” premium table for individual residential condominium unit contents-only policies.
 PRP 6 MAY 1, 2011 
PRP COVERAGE LIMITS AVAILABLE EFFECTIVE JANUARY 1, 2011 (continued) 
NON-RESIDENTIAL BUILDING AND CONTENTS COVERAGE COMBINATIONS1, 2 
With Basement or Enclosure3 
Contents Covera ge $50,000 $100,000 $150,000 $200,000 $250,000 $300,000 $350,000 $400,000 $450,000 $500,000 
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$ 50,000 $ 897 $1,156 $1,404 $1,640 $1,865 $2,079 $2,282 $2,473 $2,653 $2,822 
$100,000 $1,271 $1,530 $1,777 $2,013 $2,238 $2,452 $2,655 $2,846 $3,026 $3,195 
$150,000 $1,546 $1,805 $2,052 $2,288 $2,513 $2,727 $2,930 $3,121 $3,301 $3,470 
$200,000 $1,695 $1,954 $2,201 $2,437 $2,662 $2,876 $3,079 $3,270 $3,450 $3,619 
$250,000 $1,800 $2,059 $2,306 $2,542 $2,767 $2,981 $3,184 $3,375 $3,555 $3,724 
$300,000 $1,916 $2,175 $2,422 $2,658 $2,883 $3,097 $3,300 $3,491 $3,671 $3,840 
$350,000 $2,044 $2,303 $2,550 $2,786 $3,011 $3,225 $3,427 $3,618 $3,798 $3,967 
$400,000 $2,128 $2,387 $2,634 $2,870 $3,095 $3,309 $3,511 $3,702 $3,882 $4,051 
$450,000 $2,224 $2,483 $2,730 $2,966 $3,191 $3,405 $3,607 $3,798 $3,978 $4,147 
$500,000 $2,329 $2,588 $2,835 $3,071 $3,296 $3,510 $3,712 $3,903 $4,083 $4,252 
NON-RESIDENTIAL BUILDING AND CONTENTS COVERAGE COMBINATIONS1, 2 
Without Basement or Enclosure4 
Contents Covera ge $50,000 $100,000 $150,000 $200,000 $250,000 $300,000 $350,000 $400,000 $450,000 $500,000 
B
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$ 50,000 $ 567 $ 705 $ 837 $ 963 $1,083 $1,197 $1,305 $1,407 $1,503 $1,593 
$100,000 $ 759 $ 897 $1,029 $1,155 $1,275 $1,389 $1,497 $1,599 $1,695 $1,785 
$150,000 $ 902 $1,040 $1,172 $1,298 $1,418 $1,532 $1,640 $1,742 $1,838 $1,928 
$200,000 $1,051 $1,189 $1,321 $1,447 $1,567 $1,681 $1,789 $1,891 $1,987 $2,077 
$250,000 $1,151 $1,289 $1,421 $1,547 $1,667 $1,781 $1,889 $1,991 $2,087 $2,177 
$300,000 $1,257 $1,395 $1,527 $1,653 $1,773 $1,887 $1,995 $2,097 $2,193 $2,283 
$350,000 $1,314 $1,452 $1,584 $1,710 $1,830 $1,944 $2,052 $2,154 $2,250 $2,340 
$400,000 $1,377 $1,515 $1,647 $1,773 $1,893 $2,007 $2,115 $2,217 $2,313 $2,403 
$450,000 $1,446 $1,584 $1,716 $1,842 $1,962 $2,076 $2,184 $2,286 $2,382 $2,472 
$500,000 $1,521 $1,659 $1,791 $1,917 $2,037 $2,151 $2,259 $2,361 $2,457 $2,547 
NON-RESIDENTIAL CONTENTS-ONLY COVERAGE1, 2 
Contents Abo ve Grou nd Level More Tha n 1 Flor All Other Loca tio ns (Base ment-Only No t Eli gible ) 
Contents Premium Contents Premium 
$ 50,000 $162 $ 50,000 $ 347 
$100,000 $237 $100,000 $ 517 
$150,000 $312 $150,000 $ 687 
$200,000 $387 $200,000 $ 857 
$250,000 $462 $250,000 $1,027 
$300,000 $537 $300,000 $1,197 
$350,000 $612 $350,000 $1,367 
$400,000 $687 $400,000 $1,537 
$450,000 $762 $450,000 $1,707 
$500,000 $837 $500,000 $1,877 
1 Add the $50 Probation Surcharge, if applicable. 
2 Premium includes Federal Policy Fee of $20. 
3 Do not use this section of the table for buildings with crawlspaces or subgrade crawlspaces. See footnote 4. 
4 Use this section of the table for buildings with crawlspaces or subgrade crawlspaces.

 PRP 7 October 1, 2011 
XIV. CONVERSION OF PRP TO STANDARD-RATED 
POLICY 
A PRP must be canceled and rewritten to a standardrated 
policy if the risk does not meet the PRP eligibility 
requirements on the policy effective date. (See the 
Eligibility Requirements subsection in this section.) 
The building and/or contents coverage on the new 
standard-rated policy cannot exceed the building limit 
and/or contents limit issued under the PRP. 
Policyholders will have 30 days from notification to 
pay the additional premium due, or 60 days to obtain 
additional information if needed to rate the policy, and 
then 30 days to pay the additional premium due. The 
premium due will be calculated from the beginning of 
the policy term to restore the originally requested limits 
without a waiting period. As an option, the policyholder 
may elect to delete or reduce coverage in order to 
wholly or partially reduce the underpayment amount. 
If increased coverage limits are desired, the new 
standard-rated policy must be endorsed; the 30-day 
waiting period will apply. 
XV. COMPLETING THE FLOOD INSURANCE 
PREFERRED RISK POLICY APPLICATION 
A. Policy Status 
In the upper right corner of the form, check the 
appropriate box to indicate if the application is for a 
NEW policy or RENEWAL of an existing policy. If the 
application is for a renewal, enter the current 10-digit 
policy number. 
B. Policy Term 
Check the appropriate box to indicate who should 
receive the renewal bill. If BILL FIRST MORTGAGEE is 
checked, complete the “First Mortgagee” section. If 
BILL SECOND MORTGAGEE, BILL LOSS PAYEE, or BILL 
OTHER is checked, complete the “Second Mortgagee 
or Other” section. 
Enter the policy effective date and policy expiration 
date (month/day/year). The effective date of the 
policy is determined by adding the appropriate waiting 
period, if applicable, to the date of application listed in 
the “Signature” section. The standard waiting period 
is 30 days. 
NOTE: Refer to the General Rules section of this manual 
for exceptions to the standard waiting period. 
C. Agent Information 
Enter the agent’s/producer’s name, agency name 
and number, address, city, state, ZIP Code, telephone 
number, and fax number. Enter the agent’s/producer’s 
Tax I.D. Number. 
D. Insured Mailing Address 
Enter the name, mailing address, city, state, ZIP Code, 
and telephone number of the insured. If the insured’s 
mailing address is a post office box or a rural route 
number, or if the address of the property to be insured 
is different from the mailing address, the “Property 
Location” section of the application must be completed. 
If there is more than 1 building at the property location, 
see “H. Property Location” for further instructions. 
E. Disaster Assistance 
Check YES if flood insurance is being required for 
disaster assistance. Identify the Government (disaster) 
agency and enter the insured’s case file number. 
If NO is checked, no further information is required.
 PRP 8 May 1, 2011 
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. If any of this 
information is not available at the time of application, 
add it to the policy by submitting a change request. 
G. Second Mortgagee/Other 
Identify the second mortgagee or the loss payee by 
checking the appropriate box and entering the loan 
number, the mortgagee’s name, mailing address, 
telephone number, and fax number. 
If more than 1 additional mortgagee or disaster 
assistance agency exists, provide the requested 
information on the insurance agency’s letterhead and 
attach the letterhead to the application form. 
H. Property Location 
Check YES if the location of the property being insured 
is the same as the insured’s mailing address entered 
in the “Insured Mailing Address” section. Leave the 
rest of the section blank unless there is more than 1 
building at the property location. 
If NO is checked, provide the address or location of the 
property to be insured. 
If the insured’s mailing address is a post office box 
or rural route number, give the street address, legal 
description, or geographic location of the property. 
Only 1 building can be insured per policy, and only 1 
policy can be written on each building. 
If there is more than 1 building with the same address 
at the location of the property to be insured, clearly 
identify the specific building in this section. Attach a 
sketch if needed for clarity. 
I. Community 
Enter the name of the county or parish where the 
property is located. (Not all communities that 
have been assigned NFIP community numbers are 
participating in the NFIP. Policies may not be written in 
non-participating communities.) 
Enter the community identification number, map panel 
number, and revision suffix of the map that will be 
used for rating for the community where the building 
is located. When there is only 1 panel (i.e., a flat map), 
the community number will consist of only 6 digits. 
NOTE: The postal address of the insured building 
may not reflect the community where the property 
is located. Therefore, do not rely on the postal 
address when determining community status and 
identification. 
In addition, because of possible changes in the 
FIRM, do not rely on information from a prior 
policy as accurately reflecting the current FIRM 
information. 
Obtain the community information from the FIRM 
currently in effect and that has been published at the 
time of presentment of premium and completion of the 
application. However, if applying for the PRP under the 
2-year Eligibility Extension following a map revision, 
enter the community number, panel number, and panel 
suffix from the FIRM in effect immediately prior to the 
current FIRM. 
The current community number may also be obtained 
from a flood zone determination or by checking the 
NFIP Community Status Book online (http://www. 
fema.gov/fema/csb.shtm) or contacting the insurer or 
a local community official. 
Enter the FIRM zone in the space provided and identify 
the information source. 
If applying for the PRP under the 2-year Eligibility 
Extension following a map revision, enter the FIRM 
zone from the FIRM in effect immediately prior to the 
current FIRM. If the previous FIRM zone was Zone D, 
indicate FIRM Zone X on the application form. Submit 
documentation of both the previous and current zones 
with the application. 
Check YES if the building is located on Federal land; 
otherwise, check NO.
 PRP 9 October 1, 2011 
NOTE: If the property is located on Federal Land, refer 
to the Leased Federal Property section for guidance. 
J. Building 
Complete all required information in this section. 
• • B uilding Occupancy 
Check the type of occupancy for the building 
(i.e., Single Family , 2–4 Family , Other 
Residential , or Non -Residential ). 
o o Single Family – This is a residential single-family 
building, or a single-family dwelling unit in a 
condominium building; incidental occupancies 
are permitted if limited to less than 50% of the 
building’s total floor area. 
NOTE: Incidental occupancies are offices, private 
schools, studios, or small service operations 
within a residential building. 
o o 2–4 Family – This is a residential building that 
contains 2–4 units. This category includes 
apartment buildings and condominium buildings. 
Incidental occupancies (see note above) are 
permitted if the total area of such occupancies 
is limited to less than 25% of the total floor area 
within the building. This excludes hotels and motels 
with normal room rentals for less than 6 months. 
o o Other Residential – This is a residential building 
that contains more than 4 apartments/units. This 
category includes condominium and apartment 
buildings as well as hotels, motels, tourist 
homes, and rooming houses where the normal 
occupancy of a guest is 6 months or more. These 
buildings are permitted incidental occupancies 
(see note above). The total area of incidental 
occupancy is limited to less than 25% of the total 
floor area within the building. Examples of Other 
Residential buildings include dormitories and 
assisted-living facilities. 
o o Non-Residential (including hotel/motel) – This 
is a commercial or non-habitational building, or 
a mixed-use building that does not qualify as a 
residential building. This category includes, but 
is not limited to, small businesses, churches, 
schools, farm buildings (including grain bins 
and silos), garages, poolhouses, clubhouses, 
recreational buildings, mercantile buildings, 
agricultural buildings, industrial buildings, 
warehouses, nursing homes, licensed bed-andbreakfasts, 
and hotels and motels with normal 
room rentals for less than 6 months. 
• • Construction Date 
Check 1 of the 5 boxes in the first part of this section. 
Enter the appropriate date in the space provided. 
o o Building Permit Date 
Select this box if construction began within 180 
days of the building permit date and enter the 
building permit date. 
o o Date of Construction 
Select this box if construction began more than 
180 days after the building permit date and enter 
the date of the start of construction. 
o o Substantial Improvement Date 
Select this box if the building has been substantially 
improved or damaged. If the building has been 
substantially improved, enter the date that 
substantial improvement started or the building 
permit date. If the building has been substantially 
damaged, enter the date that substantial 
damage occurred. 
Substantial improvement is any reconstruction, 
rehabilitation, addition, or other improvement of a 
building, the cost of which equals or exceeds 50% 
of the market value of the building before the start 
of construction of the improvement. 
Substantial damage is damage of any origin 
sustained by a building whereby the cost of restoring 
the building to its before-damaged condition would 
equal or exceed 50% of the market value of the 
building before the damage occurred. 
Do not select this box for substantial improvement 
to a Pre-FIRM building where the improvement is 
an addition next to and in contact with the existing 
building and the lowest floor elevation of the 
addition is at or above BFE. Select the Building 
Permit Date box or the Date of Construction box as 
applicable and enter the appropriate date. 
Do not select this box if the building qualifies as 
a historic building; see the Definitions section for 
more information. 
o o Manufactured (Mobile) Homes/Travel Trailers 
Located in a Mobile Home Park or Subdivision 
Select this box if the manufactured (mobile) home 
or travel trailer is located inside a mobile home park 
or subdivision, and enter the construction date of 
the mobile home park or subdivision facilities. 
 PRP 10 October 1, 2011 
o o Manufactured (Mobile) Homes/Travel Trailers 
Located Outside a Mobile Home Park or Subdivision 
Select this box if the manufactured (mobile) 
home or travel trailer is located outside a mobile 
home park or subdivision, and enter the date of 
permanent placement. 
• • Make, Model, and Serial Number 
Enter make, model, and serial number of 
manufactured (mobile) home/travel trailer. 
• • Insured’s Principal Residence 
Check YES if the building is the policyholder’s 
principal residence; otherwise, check NO. 
• • Building Type 
Check the number of floors in the entire building, 
including the basement/enclosed area if applicable, 
in the appropriate space. 
If the building’s enclosure or crawlspace is eligible 
for exclusion from rating, do not count the enclosed 
area as a floor. If a building elevated on a crawlspace 
has an attached garage without openings, it must 
be rated using the With Basement or Enclosure rate 
table; see the Lowest Floor Determination subsection 
in the Lowest Floor Guide section of this manual. 
o o 1 Floor – excludes unfinished attic; 
o o 2 Floors – includes basement, enclosure, 
crawlspace, and subgrade crawlspace; 
o o 3 or More Floors – includes basement, enclosure, 
crawlspace, and subgrade crawlspace; 
o o Split Level – A foundation with a vertical offset in 
the floor framing on either side of a common wall; 
o o Manufactured (Mobile) Home or Travel Trailer – 
Must be built on a permanent chassis and affixed 
to a permanent foundation, regardless of size. 
• • Condo Form of Ownership 
Check YES if the building is under a condominium 
form of ownership; otherwise, check NO. (A 
homeowners association [HOA] may or may not be 
in a condominium form of ownership.) Refer to the 
Condominiums section for rating guidelines. 
Check YES if the coverage is for a condominium unit; 
otherwise, check NO. 
Check YES if the coverage is for a townhouse/ 
rowhouse condo unit; otherwise, check NO. 
• • Contents 
Check the box that describes the location of the 
contents to be insured. 
• • Estimated Replacement Cost 
Using normal company practice, estimate the 
Replacement Cost Value (RCV) and enter it in the 
space provided. Include the cost of the building 
foundation when determining the RCV. 
• • Building Use 
Check the box that indicates the insured building’s 
use. If OTHER, describe the building use. 
• • Basement/Enclosure/Crawlspace/Subgrade 
Crawlspace 
Check whether the building contains: 
o o Basement – Any area of the building, including any 
sunken room or sunken portion of a room, having 
its floor below ground level (subgrade) on all sides.
 PRP 11 October 1, 2011 
o o Enclosure – That portion of an elevated building 
below the lowest elevated floor that is either 
partially or fully shut in by rigid walls. A garage 
below or attached to an elevated building is 
considered an enclosure. 
NOTE: A finished (habitable) area is an enclosed 
area that has more than 20 linear feet of 
interior finished walls (paneling, etc.). 
An unfinished area is an enclosed area that is 
used only for the parking of vehicles, building 
access, or storage purposes and that does 
not meet the definition of a finished 
(habitable) area. 
o o Crawlspace – In an elevated building, an underfloor 
space that has its interior floor area (finished 
or not) no more than 5 feet below the top of the 
next-higher floor. 
o o Subgrade Crawlspace – A crawlspace foundation 
where the subgrade under-floor area is no more 
than 5 feet below the top of the next-higher floor 
and no more than 2 feet below the lowest adjacent 
grade on all sides. (A building with a subgrade 
crawlspace is not an elevated building.) 
NOTE: For buildings insured under the PRP that 
have crawlspaces or subgrade crawlspaces, 
use the Without Basement or Enclosure 
section of the rate table. 
K. Notice – Building Eligibility 
Check YES if the building is located in an SFHA; 
otherwise, check NO. 
Check YES for any of the conditions above that apply; 
otherwise, check NO. 
NOTE: If the answer to either question A or question 
B is YES, this risk is not eligible for the PRP, 
except for buildings eligible under the 2-year PRP 
Eligibility Extension. 
L. Premium 
1. Enter the coverage selected, and the premium, 
from the appropriate PRP premium tables in 
this section. 
2. Add the $50 Probation Surcharge, if applicable. 
Deduct $5 if this is an application for a condominium 
unit. 
M. Signature 
The agent/producer must sign and date the PRP 
application and is responsible for the completeness 
and accuracy of the information provided on it. 
NOTE: The waiting period, if applicable, is added to this 
date to determine the policy effective date entered 
in the Policy Term section of the application. 
Electronic transactions are permitted if the business 
process includes authentication of signatures and 
dates of receipt of premium. WYO Companies are 
responsible for determining the business practices and 
transaction authentication methods they will use to 
ensure the security and integrity of such transactions. 
A credit card payment by VISA, MasterCard, Discover, or 
American Express will also be acceptable if a disclaimer 
form, signed by the insured, is submitted with the PRP 
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, the agent/producer may 
sign the authorization form on behalf of the payor only 
after having read the disclaimer to the payor.
 PRP 12 May 1, 2011 
This page is intentionally left blank.


MORTGAGE PORTFOLIO PROTECTION PROGRAM
 MPPP 1 October 1, 2011 
I. BACKGROUND 
The Mortgage Portfolio Protection Program (MPPP) was 
introduced on January 1, 1991, as an additional tool to 
assist the mortgage lending and servicing industries in 
bringing their mortgage portfolios into compliance with 
the flood insurance requirements of the Flood Disaster 
Protection Act of 1973. 
The MPPP is not intended to act as a substitute for 
the need for mortgagees to review all mortgage loan 
applications at the time of loan origination and comply 
with flood insurance requirements as appropriate. 
Proper implementation of the mandatory purchase 
requirements usually results in mortgagors, after their 
notification of the need for flood insurance, either 
showing evidence of such a policy, or contacting their 
insurance agent/producer or their insurer to purchase 
the necessary coverage. It is intended that flood 
insurance policies be written under the MPPP only as a 
last resort, and only on mortgages whose mortgagors 
have failed to respond to the various notifications 
required by the MPPP. 
II. REQUIREMENTS FOR PARTICIPATING IN 
THE MPPP 
The following paragraphs represent the criteria and 
requirements that must be followed by all parties 
engaged in the sale of flood insurance under the 
National Flood Insurance Program (NFIP) Mortgage 
Portfolio Protection Program. 
A. General 
1. All mortgagors notified, in conjunction with this 
program, of their need to purchase flood insurance 
must be encouraged to obtain a Standard Flood 
Insurance Policy (SFIP) from their agent/producer 
or insurer. 
2. When a mortgagee or a mortgage-servicing 
company discovers, at any time following loan 
origination, that there is no evidence of flood 
insurance on a property in a Special Flood Hazard 
Area (SFHA), then the MPPP may be used by such 
lender/servicer to obtain (force-place) the required 
flood insurance coverage. The MPPP process 

 
MORTGAGE PORTFOLIO PROTECTION PROGRAM RATE AND 
INCREASED COST OF COMPLIANCE (ICC) TABLE1, 2 
Zone 
MPPP Rates per $100 of 
Building Coverage3 
MPPP Rates per $100 of 
Contents Coverage3 
ICC Premium for 
$30,000 Coverage4, 5 
Emergency Program Community 3.92 3.96 N/A 
A Zones – All building & 
occupancy types, 
except A99, AR, AR Dual Zones 
3.92 / 1.99 3.96 / 1.90 $70 
V Zones – All building & 
occupancy types 5.84 / 5.84 5.49 / 5.49 $70 
A99 Zone, AR, AR Dual Zones 1.01 / .60 1.35 / .54 $5 
1 Add Federal Policy Fee and Probation Surcharge, if applicable, when computing the premium. 
2 MPPP policies are not eligible for Community Rating System premium discounts. 
3 Basic and additional insurance limits are shown in the Rating section. 
4 ICC coverage does not apply to contents-only policies or to individually owned condominium units insured under the 
Dwelling Form or General Property Form. 
5 The ICC premium is not eligible for the deductible discount. First calculate the deductible discount, then add in the ICC premium.
 MPPP 2 May 1, 2011 
can be accomplished with limited underwriting 
information and with special flood insurance rates. 
3. In the event of a loss, the policy will have to be 
reformed if the wrong rate has been applied for 
the zone in which the property is located. Also, the 
amount of coverage may have to be changed if the 
building occupancy does not support that amount. 
4. It will be the Write Your Own (WYO) Company’s 
responsibility to notify the mortgagor of all 
coverage limitations at the inception of coverage 
and to impose those limitations that are applicable 
at the time of loss adjustment. 
B. WYO Arrangement Article III – Fees 
With the implementation of the MPPP, there is no 
change in the method of WYO Company allowance 
from that which is provided in the Financial Assistance/ 
Subsidy Arrangement for all flood insurance written. 
C. Use of WYO Company Fees for Lenders/Servicers 
or Others 
1. No portion of the allowance that a WYO Company 
retains under the WYO Financial Assistance/ 
Subsidy Arrangement for the MPPP may be used to 
pay, reimburse, or otherwise remunerate a lending 
institution, mortgage servicing company, or other 
similar type of company that the WYO Company 
may work with to assist in its flood insurance 
compliance efforts. 
2. The only exception to this is a situation where the 
lender/servicer may be actually due a commission 
on any flood insurance policies written on any 
portion of the institution’s portfolio because it 
was written through a licensed property insurance 
agent/producer on their staff or through a licensed 
insurance agency owned by the institution or 
servicing company. 
D. Notification 
1. WYO Company/Mortgagee – Any WYO Company 
participating in the MPPP must notify the lender 
or servicer, for which it is providing the MPPP 
capability, of the requirements of the MPPP. The 
WYO Company must obtain signed evidence from 
each such lender or servicer indicating their receipt 
of this information, and keep a copy in its files. 
2. Mortgagee to Mortgagor – In order to participate 
in the MPPP, the lender (or its authorized 
representative, which typically will be the WYO 
Company providing the coverage through the 
MPPP) must notify the borrower of the following, at 
a minimum: 
a. The requirements of the Flood Disaster 
Protection Act of 1973; 
b. The flood zone location of the borrower’s 
property; 
c. The requirement for flood insurance; 
d. The fact that the lender has no evidence of the 
borrower’s having flood insurance; 
e. The amount of coverage being required and its 
cost under the MPPP; and 
f. The options of the borrower for obtaining 
conventionally underwritten flood insurance 
coverage and the potential cost benefits of 
doing so. 
A more detailed discussion of the notification 
requirements is made a part of this program document 
under “O. Policy Declarations Page Notification 
Requirements” on page MPPP 3. 
E. Eligibility 
1. Type of Use – The MPPP will be allowed only in 
conjunction with mortgage portfolio reviews and 
the servicing of those portfolios by lenders and 
mortgage servicing companies. The MPPP is not 
allowed to be used in conjunction with any form of 
loan origination. 
2. Type of Property – The standard NFIP rules apply, 
and all types of property eligible for coverage 
under the NFIP will be eligible for coverage under 
the MPPP. 
F. Source of Offering 
The force-placement capability will be offered by the WYO 
Companies only and not by the NFIP Servicing Agent. 
G. Dual Interest 
The policy will be written covering the interest of 
both the mortgagee and the mortgagor. The name of 
the mortgagor must be included on the Application 
Form. It is not, however, necessary to include the 
mortgagee as a named insured because the Mortgage 
Clause (section VII.Q. of the Dwelling Form and the 
General Property Form) affords building coverage to 
any mortgagee named as mortgagee on the Flood 
Insurance Application. If contents coverage for the 
mortgagee is needed, the mortgagee should be 
included as a named insured. 
H. Term of Policy 
NFIP policies written under the MPPP will be for 
a term of 1 year only (subject to the renewal 
notification process).
 MPPP 3 October 1, 2011 
I. Coverage Offered 
Both building and contents coverage will be available 
under the MPPP. The coverage limits available under 
the Regular Program will be $250,000 for building 
coverage and $100,000 for contents. If the WYO 
Company wishes to provide higher limits that are 
available to other occupancy types such as other 
residential or non-residential, it may do so only if it 
can indicate that occupancy type as appropriate. If 
the mortgaged property is in an Emergency Program 
community, then the coverage limits available will 
be $35,000 for building coverage and $10,000 for 
contents. Again, if the higher limits are desired for 
other types of property, then the building occupancy 
type must be provided at the inception of the policy 
or when that information may become available, but it 
must be prior to any loss. 
J. Policy Form 
The current SFIP Dwelling Form and General Property 
Form will be used, depending upon the type of 
structure insured. In the absence of building occupancy 
information, the Dwelling Form should be used. 
K. Waiting Period 
The NFIP rules for the waiting period and effective 
dates apply to the MPPP. 
L. Premium Payment 
The current rules applicable to the NFIP will apply. The 
lender or servicer (or payor) has the option to follow its 
usual business practices regarding premium payment, 
so long as the NFIP rules are followed. 
M. Underwriting – Application 
1. The MPPP will require less underwriting information 
than normally required under the standard NFIP 
rules and regulations. The MPPP data requirements 
for rating and processing are, at a minimum: 
a. Name and mailing address of insured 
(mortgagor; also see Dual Interest); 
b. Address of insured (mortgaged) property; 
c. Community name, number, map panel number 
and suffix, and program type (Emergency 
and Regular); 
d. Occupancy type (so statutory coverage limits 
are not exceeded. This information may be 
difficult to obtain. Also see Coverage Offered.); 
e. NFIP flood zone where property is located 
(lender must determine, in order to determine 
if flood insurance requirements are necessary 
and to use the MPPP); 
f. Amount of coverage; 
g. Name and address of mortgagee; and 
h. Mortgage loan number. 
2. No elevation certificates will be required as there 
will be no elevation rating. 
N. Rates 
See table on page MPPP 1. 
O. Policy Declarations Page Notification 
Requirements 
In addition to the routine information, such as amounts 
of coverage, deductibles, and premiums, that a WYO 
Company may place on the policy declarations page 
issued to each insured under the NFIP, the following 
messages are required: 
1. This policy is being provided for you as it is required 
by Federal law as has been mentioned in the 
previous notices sent to you on this issue. Since 
your mortgage company has not received proof 
of flood insurance coverage on your property in 
response to those notices, we provide this policy 
at their request. 
2. The rates charged for this policy may be considerably 
higher than those that may be available to you if 
you contact your local insurance agent/producer 
(or the WYO Company). 
3. The amounts of insurance coverage provided in 
this policy may not be sufficient to protect your full 
equity in the property in the event of a loss. 
4. You may contact your local insurance 
agent/producer (or WYO Company) to replace this 
policy with a conventionally underwritten SFIP, 
at any time, and typically at a significant savings 
in premium. 
The WYO Company may add other messages 
to the declarations page and make minor editorial 
modifications to the language of these messages 
if it believes any are necessary to conform to 
the style or practices of that WYO Company, but 
any such additional messages or modifications 
must not change the meaning or intent of the 
above messages. 
Since the amount of underwriting data obtained at 
the time of policy inception will typically be limited, 
the extent of any coverage limitations (such as 
when replacement coverage is not available or 
coverage is limited because the building has a 
basement or is considered an elevated building 
with an enclosure) will be difficult to determine. 
It is, therefore, the responsibility of the WYO 
 MPPP 4 October 1, 2011 
Company to notify the mortgagor/insured of all 
coverage limitations at the inception of coverage 
and impose any that are applicable at the time of 
the loss adjustment. 
P. Policy Reformation – Policy Correction 
In the event that the premium payment received is 
not sufficient to purchase the amounts of insurance 
requested, the policy shall be deemed to provide only 
such insurance as can be purchased for the entire 
term of the policy for the amount of premium received. 
With 2 exceptions, where insufficient premium is 
discovered after a loss, the complete provisions 
for reduction of coverage limits or reformation are 
described in: 
• • Dwelling Form, section VII, paragraph G.; and 
• • General Property Form, section VII, paragraph G. 
The property must be insured using the correct SFIP 
form in order for these 2 exceptions to apply. 
The 2 exceptions are following and apply only when 
after a loss it is discovered that the premium is 
insufficient to provide the coverage requested: 
1. Any additional premium due will be calculated 
prospectively from the date of discovery; and 
2. The automatic reduction in policy limits is effective 
the date of discovery. 
This will provide policyholders with the originally 
requested limits at the time of a claim arising before 
the date of discovery without paying any additional 
premium. Policyholders will then have 30 days to pay 
the additional premium that is due for the remainder 
of the policy term, to restore the originally requested 
limits without a waiting period. 
However, all claim payments will be based on the 
coverage limitations provided in accordance with the 
correct flood zone for the building location and not on 
the zone shown on the flood policy if it is in error. 
When coverage is issued using an incorrect SFIP form, 
the policy is void and the coverage must be written 
under the correct form. The provisions of the correct 
SFIP form apply. The coverage limits must be reformed 
according to the provisions of the correct SFIP form 
and cannot exceed the coverage limits originally issued 
under the incorrect policy. 
Q. Coverage Basis – Actual Cash Value or 
Replacement Cost 
There are no changes from the standard practices 
of the NFIP for these provisions. The coverage basis 
will depend on the type of occupancy of the building 
covered and the amount of coverage carried. 
R. Deductible 
A $1,000 deductible is applicable for policies written 
under the MPPP. 
S. Federal Policy Fee 
There is no change from the standard practice. The 
Federal Policy Fee in effect at the time the MPPP policy 
is written must be used. 
T. Renewability 
The MPPP policy is a 1-year policy. Any renewal of 
that policy can occur only following the full notification 
process that must take place between the lender 
(or its authorized representative) and the insured/ 
mortgagor, when the insured/mortgagor has failed 
to provide evidence of obtaining a substitute flood 
insurance policy. 
U. Cancellations 
The NFIP Flood Insurance Manual rules for cancellation/ 
nullification are to be followed, when applicable. 
V. Endorsement 
An MPPP policy may not be endorsed to convert it directly 
to a conventionally underwritten SFIP. Rather, a new 
policy application, with a new policy number, must be 
completed according to the underwriting requirements 
of the SFIP, as contained in the NFIP Flood Insurance 
Manual. The MPPP policy may be endorsed to assign 
it under rules of the NFIP. It may also be endorsed for 
other reasons such as increasing coverage. 
W. Assignment to a Third Party 
Current NFIP rules remain unchanged; therefore, an 
MPPP policy may be assigned to another mortgagor or 
mortgagee. Any such assignment must be through an 
endorsement. 
X. Article XIII – Restriction on Other Flood Insurance 
Article XIII of the Arrangement is also applicable to the 
MPPP and, as such, does not allow a company to sell 
other flood insurance that may be in competition with 
NFIP coverage. This restriction, however, applies solely 
to policies providing flood insurance. It also does not 
apply to insurance policies provided by a WYO Company 
in which flood is only 1 of several perils provided, or when 
the flood insurance coverage amounts are in excess of 
the statutory limits provided under the NFIP or when the 
coverage itself is of such a nature that it is unavailable 
under the NFIP, such as blanket portfolio coverage.
 MPPP 5 October 1, 2011 
Y. Participating WYO Companies 
A list of the WYO Companies that participate 
in the MPPP is available on FEMA’s website at 
http://www.fema.gov/nfipInsurance/search.do? 
action=Search&state=mppp.
 END 5 May 1, 2011 
IV. ENDORSEMENT RATING EXAMPLES 
TABLE OF CONTENTS 
EXAMPLE PAGE 
Example 1 Increasing Coverage on a Preferred Risk Policy. END 6 
Example 2 Increasing Coverage, Program Conversion. END 7 
Example 3 Increasing Coverage . END 8 
Example 4 Increasing Coverage After a Rate Change. END 9 
Example 5 Reducing Building Coverage. END 10 
Example 6 Removing Contents. END 11 
Example 7 Increasing Deductible . END 12
 END 6 October 1, 2011 
EXAMPLE 1 
INCREASING COVERAGE ON A PREFERRED RISK POLICY 
• • Policy term is October 15, 2010–2011. 
• • Pre-FIRM, X-Zone, with basement. 
• • Present coverage: Building $75,000/ 
Contents $30,000. 
• • Premium at policy effective date was $267. 
• • Endorsement effective date is May 2, 2011. 
• • Coverages added are $125,000 on the building and 
$50,000 on the contents for a total of $200,000 
on the building and $80,000 on the contents. 
• • Rates in effect on the effective date of the policy 
are to be used in calculating the premiums. 
• • The Difference between these 2 premiums is $111. 
• • Prorate the Difference. 
Time period is May 2, 2011, 
to October 15, 2011; 
Number of days is 166; 
Pro-rata factor is .455 
INSURANCE 
COVERAGE 
SECTION A 
CURRENT COVERAGE 
SECTION B 
INCREASED/DECREASED COVERAGE ONLY NEW 
PREMIUM 
AMOUNT RATE PREMIUM AMOUNT RATE PREMIUM TOTALS 
BUILDING BASIC $75,000 — $267 $125,000 — $378 $378 
BUILDING ADDITIONAL — — — — — — — 
CONTENTS BASIC $30,000 — — $50,000 — — — 
CONTENTS ADDITIONAL — — — — — — — 
IF CHANGING AMOUNT OF INSURANCE, ENTER NEW TOTAL AMOUNT BELOW PAYMENT 
OPTION: 
CREDIT CARD 
OTHER: 
SUBTOTAL $378 
BUILDING COVERAGE CONTENTS COVERAGE DEDUCT. DISCOUNT/SURCHARGE — 
BASIC ADDITIONAL TOTAL BASIC ADDITIONAL TOTAL SUBTOTAL $378 
— — $200,000 — — $80,000 ICC PREMIUM — 
IF RETURN PREMIUM, MAIL REFUND TO: INSURED AGENT PAYOR. 
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT ANY FALSE 
STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. 
SUBTOTAL $378 
CRS PREMIUM DISCOUNT ____% — 
SUBTOTAL $378 
PREMIUM PREVIOUSLY PAID 
(Excludes Probation Surcharge/ 
Federal Policy Fee) 
$267 
SIGNATURE OF INSURED AND DATE SIGNATURE OF INSURANCE AGENT/BROKER DATE (MMDDYY) 
DIFFERENCE + (+/-) +$111 
PRO-RATA FACTOR .455 
TOTAL (+/-) +$ 51
 END 7 October 1, 2011 
EXAMPLE 2 
INCREASING COVERAGE, PROGRAM CONVERSION 
• • Policy term is January 15, 2011–2012. 
• • Single-family dwelling, no basement, Pre-FIRM. 
• • Present coverage: Building $35,000/ 
Contents $10,000. 
• • Policy conversion date from Emergency to Regular 
Program: July 15, 2011. 
• • Building located in an A99 Zone. 
• • Premium rates are: Building .86/.23, 
Contents 1.32/.41. 
• • Endorsement effective date is October 14, 2011. 
(The Emergency Program premiums that already 
exist on this policy are earned for the remainder of 
the policy term; they are not refundable.) 
• • The coverages being added are $50,000 on the 
building and $15,000 on the contents for a total 
of $85,000 on the building and $25,000 on the 
contents; and $30,000 coverage for ICC. 
• • To increase coverage, complete Sections A and B. 
Section A is for current coverage; Section B should 
show only the amounts of the increases. 
• • $15,000 of the $50,000 coverage to be added on 
the building must be calculated in the “Amount” 
column under Section B, “Increased-Decreased 
Coverage Only” (using the applicable rate) to amend 
the present coverage to the threshold for the 
Regular Program basic limits. 
• • $10,000 of the $15,000 coverage to be added 
on the contents must be calculated under the 
“Amount” column under Section B, “Increased- 
Decreased Coverage Only” (using the applicable 
rate) to amend the present coverage to the 
threshold for the Regular Program basic limits. 
• • Add Sections A and B premiums to obtain the New 
Premium Subtotals. 
• • Add the ICC Premium, which was not paid in the 
Emergency Program. 
• • The Premium Previously Paid is $362 (excluding 
ICC/Probation Surcharge/Federal Policy Fee). 
• • Subtract the Premium Previously Paid from the 
Premium Total to obtain the Difference (additional/ 
return premium). 
• • Prorate the Difference. 
Time period is October 14, 2011, 
to January 15, 2012; 
Number of days is 93; 
Pro-rata factor is .255 
INSURANCE 
COVERAGE 
SECTION A 
CURRENT COVERAGE 
SECTION B 
INCREASED/DECREASED COVERAGE ONLY NEW 
PREMIUM 
AMOUNT RATE PREMIUM AMOUNT RATE PREMIUM TOTALS 
BUILDING BASIC $35,000 .76 $266 $25,000 .86 $215 $481 
BUILDING ADDITIONAL — — — $25,000 .23 $ 58 $ 58 
CONTENTS BASIC $10,000 .96 $96 $15,000 1.32 $198 $294 
CONTENTS ADDITIONAL — — — — — — — 
IF CHANGING AMOUNT OF INSURANCE, ENTER NEW TOTAL AMOUNT BELOW PAYMENT 
OPTION: 
CREDIT CARD 
OTHER: 
SUBTOTAL $833 
BUILDING COVERAGE CONTENTS COVERAGE DEDUCT. DISCOUNT/SURCHARGE — 
BASIC ADDITIONAL TOTAL BASIC ADDITIONAL TOTAL SUBTOTAL $833 
$60,000 $25,000 $85,000 $25,000 — $25,000 ICC PREMIUM $ 5 
IF RETURN PREMIUM, MAIL REFUND TO: INSURED AGENT PAYOR. 
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT ANY FALSE 
STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. 
SUBTOTAL $838 
CRS PREMIUM DISCOUNT ____% — 
SUBTOTAL $838 
PREMIUM PREVIOUSLY PAID 
(Excludes Probation Surcharge/ 
Federal Policy Fee) 
$362 
DIFFERENCE + (+/-) +$476 
SIGNATURE OF INSURED AND DATE SIGNATURE OF INSURANCE AGENT/BROKER DATE (MMDDYY) 
PRO-RATA FACTOR .255 
TOTAL (+/-) +$121
 END 8 October 1, 2011 
EXAMPLE 3 
INCREASING COVERAGE 
• • Policy term is December 12, 2010–2011. 
• • Single-family dwelling, no basement. 
• • Pre-FIRM Building. 
• • Building located in Zone C. 
• • Present coverage: Building $35,000/ 
Contents $10,000. 
• • Endorsement is effective on October 1, 2011, 
to add additional coverage of $65,000 on the 
building and $15,000 on the contents for a total 
of $100,000 building coverage and $25,000 
contents coverage. 
• • Premium rates are: Building .86/.23, 
Contents 1.32/.41. 
• • To increase coverage, complete Sections A and B. 
Section A is for current coverage. Section B should 
show the amount of the coverage increase only. 
• • $25,000 of the $60,000 coverage to be added on 
the building must be calculated in the “Amount” 
column under Section B, “Increased-Decreased 
Coverage Only” (using the applicable rate) to amend 
the present coverage to the threshold for the 
Regular Program basic limits. 
• • $10,000 of the $15,000 coverage to be added 
on the contents must be calculated under the 
“Amount” column under Section B, “Increased- 
Decreased Coverage Only” (using the applicable 
rate) to amend the present coverage to the 
threshold for the Regular Program basic limits. 
• • Add Section A and B premiums to obtain the New 
Premium Totals. 
• • Add the New Premium Totals to calculate the 
Premium Subtotal. 
• • Add in the ICC Premium. 
• • The Premium Previously Paid is $438 (excluding 
Probation Surcharge/Federal Policy Fee), which 
is the total current annual premium including 
ICC Premium. 
• • Subtract the Premium Previously Paid from the 
Premium Total to obtain the Difference (should be 
additional/return premium). 
• • Prorate the Difference. 
Time period is October 1, 2011, 
to December 12, 2011; 
Number of days is 72; 
Pro-rata factor is .197 
INSURANCE 
COVERAGE 
SECTION A 
CURRENT COVERAGE 
SECTION B 
INCREASED/DECREASED COVERAGE ONLY NEW 
PREMIUM 
AMOUNT RATE PREMIUM AMOUNT RATE PREMIUM TOTALS 
BUILDING BASIC $35,000 .86 $301 $25,000 .86 $215 $516 
BUILDING ADDITIONAL — — — $40,000 .23 $ 92 $ 92 
CONTENTS BASIC $10,000 1.32 $132 $15,000 1.32 $198 $330 
CONTENTS ADDITIONAL — — — — — — — 
IF CHANGING AMOUNT OF INSURANCE, ENTER NEW TOTAL AMOUNT BELOW PAYMENT 
OPTION: 
CREDIT CARD 
OTHER: 
SUBTOTAL $938 
BUILDING COVERAGE CONTENTS COVERAGE DEDUCT. DISCOUNT/SURCHARGE — 
BASIC ADDITIONAL TOTAL BASIC ADDITIONAL TOTAL SUBTOTAL $938 
$60,000 $40,000 $100,000 $25,000 — $25,000 ICC PREMIUM $ 5 
IF RETURN PREMIUM, MAIL REFUND TO: INSURED AGENT PAYOR. 
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT ANY FALSE 
STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. 
SUBTOTAL $943 
CRS PREMIUM DISCOUNT ____% — 
SUBTOTAL $943 
PREMIUM PREVIOUSLY PAID 
(Excludes Probation Surcharge/ 
Federal Policy Fee) 
$438 
DIFFERENCE + (+/-) +$505 
SIGNATURE OF INSURED AND DATE SIGNATURE OF INSURANCE AGENT/BROKER DATE (MMDDYY) 
PRO-RATA FACTOR .197 
TOTAL (+/-) +$ 99
 END 9 October 1, 2011 
EXAMPLE 4 
INCREASING COVERAGE AFTER A RATE CHANGE 
• • Policy term is April 15, 2011–2012. 
• • Single-family dwelling, Regular Program. 
• • 1 floor, no basement. 
• • Current policy limits: Building $30,000/ 
Contents $8,000. 
• • Building located in an AE Zone, Post-FIRM. 
• • Premium rates are: Building 1.60, Contents 1.18. 
• • Post-FIRM construction with a 0 elevation 
difference. 
• • Endorsement effective date is October 15, 2011. 
• • The coverages being added are $15,000 on the 
building and $7,000 on contents for a total of 
$45,000 building coverage and $15,000 
contents coverage. 
• • A rate increase takes effect on October 1, 2011. 
• • Rates in effect on the effective date of the policy 
are to be used. 
• • In Section A, enter the basic limits and rates for 
building and contents in effect at the beginning of 
the policy term. 
• • In Section B, enter the $15,000 basic building 
amount, and the applicable rate (1.60). (See page 
END 1, “Additional Coverage or Increase in Amount 
of Insurance.” Companies are allowed to use either 
rates in effect at policy inception or rates in effect 
at endorsement effective date.) 
• • In Section B, enter the $7,000 basic contents 
amount and the applicable rate (1.18). 
• • Add Sections A and B premiums to obtain the New 
Premium Totals. 
• • Add the New Premium Totals to calculate the 
Premium Subtotal. 
• • Add in the ICC Premium. 
• • The Premium Previously Paid is $579 (excluding 
Probation Surcharge/Federal Policy Fee), which 
is the total current annual premium including 
ICC Premium. 
• • Subtract the Premium Previously Paid from the 
Premium Total to obtain the Difference (should be 
additional/return premium). 
• • Prorate the Difference. 
Time period is October 15, 2011, 
to April 15, 2012; 
Number of days is 182; 
Pro-rata factor is .499 
INSURANCE 
COVERAGE 
SECTION A 
CURRENT COVERAGE 
SECTION B 
INCREASED/DECREASED COVERAGE ONLY NEW 
PREMIUM 
AMOUNT RATE PREMIUM AMOUNT RATE PREMIUM TOTALS 
BUILDING BASIC $30,000 1.60 $480 $15,000 1.60 $240 $720 
BUILDING ADDITIONAL — — — — — — — 
CONTENTS BASIC $ 8,000 1.18 $ 94 $ 7,000 1.18 $ 83 $177 
CONTENTS ADDITIONAL — — — — — — — 
IF CHANGING AMOUNT OF INSURANCE, ENTER NEW TOTAL AMOUNT BELOW PAYMENT 
OPTION: 
CREDIT CARD 
OTHER: 
SUBTOTAL $897 
BUILDING COVERAGE CONTENTS COVERAGE DEDUCT. DISCOUNT/SURCHARGE — 
BASIC ADDITIONAL TOTAL BASIC ADDITIONAL TOTAL SUBTOTAL $897 
$45,000 — $45,000 $15,000 — $15,000 ICC PREMIUM $ 5 
IF RETURN PREMIUM, MAIL REFUND TO: INSURED AGENT PAYOR. 
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT ANY FALSE 
STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. 
SUBTOTAL $902 
CRS PREMIUM DISCOUNT ____% — 
SUBTOTAL $902 
PREMIUM PREVIOUSLY PAID 
(Excludes Probation Surcharge/ 
Federal Policy Fee) 
$579 
DIFFERENCE + (+/-) +$323 
SIGNATURE OF INSURED AND DATE SIGNATURE OF INSURANCE AGENT/BROKER DATE (MMDDYY) 
PRO-RATA FACTOR .499 
TOTAL (+/-) +$161
 END 10 October 1, 2011 
EXAMPLE 5 
REDUCING BUILDING COVERAGE 
• • Policy term is December 1, 2010–2011. 
• • Single-family dwelling, with basement. 
• • Regular Program, Zone B, Post-FIRM. 
• • Policy limits: Building $150,000/Contents $0. 
• • A wing of the building was destroyed by fire on July 
1, 2011, and the building was repaired without 
the wing, reducing the value of the dwelling to 
$100,000. (This explanation should be recorded 
in the Reason for Change section of the General 
Change Endorsement form.) 
• • Present rates are: Building .98/.33. 
• • Endorsement effective date is July 1, 2011. 
• • In Section A, enter the basic building amount 
($60,000) and the applicable rate (.98). 
• • In Section B, enter the new additional building 
amount at the same rate of .33. 
• • Add Sections A and B to obtain the New 
Premium Totals. 
• • Add the New Premium Totals to obtain the Premium 
Subtotal. 
• • The Premium Previously Paid is $890 (excluding 
Probation Surcharge/Federal Policy Fee), which 
is the total current annual premium including ICC 
Premium. 
• • Add in the ICC Premium. 
• • Subtract the Premium Previously Paid from the 
Premium Total to obtain the Difference (should be 
additional/return premium). 
• • Prorate the Difference. 
Time period is July 1, 2011, 
to December 1, 2011; 
Number of days is 153; 
Pro-rata factor is .419 
INSURANCE 
COVERAGE 
SECTION A 
CURRENT COVERAGE 
SECTION B 
INCREASED/DECREASED COVERAGE ONLY NEW 
PREMIUM 
AMOUNT RATE PREMIUM AMOUNT RATE PREMIUM TOTALS 
BUILDING BASIC $60,000 .98 $588 — — — $588 
BUILDING ADDITIONAL $90,000 .33 $297 -$50,000 .33 -$165 $132 
CONTENTS BASIC — — — — — — — 
CONTENTS ADDITIONAL — — — — — — — 
IF CHANGING AMOUNT OF INSURANCE, ENTER NEW TOTAL AMOUNT BELOW PAYMENT 
OPTION: 
CREDIT CARD 
OTHER: 
SUBTOTAL $720 
BUILDING COVERAGE CONTENTS COVERAGE DEDUCT. DISCOUNT/SURCHARGE — 
BASIC ADDITIONAL TOTAL BASIC ADDITIONAL TOTAL SUBTOTAL $720 
$60,000 $40,000 $100,000 — — — ICC PREMIUM $ 5 
IF RETURN PREMIUM, MAIL REFUND TO: INSURED AGENT PAYOR. 
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT ANY FALSE 
STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. 
SUBTOTAL $725 
CRS PREMIUM DISCOUNT ____% — 
SUBTOTAL $725 
PREMIUM PREVIOUSLY PAID 
(Excludes Probation Surcharge/ 
Federal Policy Fee) 
$890 
DIFFERENCE + (+/-) -$165 
SIGNATURE OF INSURED AND DATE SIGNATURE OF INSURANCE AGENT/BROKER DATE (MMDDYY) 
PRO-RATA FACTOR .419 
TOTAL (+/-) -$69
 END 11 October 1, 2011 
EXAMPLE 6 
REMOVING CONTENTS 
• • Policy term is November 20, 2010–2011. 
• • Non-residential structure. 
• • Emergency Program. 
• • Policy limits: Building $100,000/ 
Contents $100,000. 
• • Insured purchased a new business location and 
moved the contents to the new location while 
still retaining the old location as rental property. 
(This explanation should be recorded in the 
Reason for Change section of the General Change 
Endorsement form.) 
• • Present rates are: Building .83, Contents 1.62. 
• • Removal date and effective date of change is 
January 14, 2011. 
• • Enter the current building and contents coverages in 
Section A and the current rates (.83/1.62). 
• • Enter the decrease in contents coverage in 
Section B. 
• • Add all New Premium Totals to obtain the 
Premium Subtotal. 
• • The Premium Previously Paid is $2,450 (excluding 
Probation Surcharge/Federal Policy Fee), which is 
the total current premium from Section A. 
• • Subtract the Premium Previously Paid from the 
Premium Total to obtain the Difference (should be 
additional/return premium). 
• • Prorate the Difference. 
Time period is January 14, 2011, 
to November 20, 2011; 
Number of days is 310; 
Pro-rata factor is .849 
INSURANCE 
COVERAGE 
SECTION A 
CURRENT COVERAGE 
SECTION B 
INCREASED/DECREASED COVERAGE ONLY NEW 
PREMIUM 
AMOUNT RATE PREMIUM AMOUNT RATE PREMIUM TOTALS 
BUILDING BASIC $100,000 .83 $ 830 — — — $ 830 
BUILDING ADDITIONAL — — — — — — — 
CONTENTS BASIC $100,000 1.62 $1,620 -$100,000 1.62 -$1,620 — 
CONTENTS ADDITIONAL — — — — — — — 
IF CHANGING AMOUNT OF INSURANCE, ENTER NEW TOTAL AMOUNT BELOW PAYMENT 
OPTION: 
CREDIT CARD 
OTHER: 
SUBTOTAL $ 830 
BUILDING COVERAGE CONTENTS COVERAGE DEDUCT. DISCOUNT/SURCHARGE — 
BASIC ADDITIONAL TOTAL BASIC ADDITIONAL TOTAL SUBTOTAL $ 830 
— — $100,000 — — — ICC PREMIUM — 
IF RETURN PREMIUM, MAIL REFUND TO: INSURED AGENT PAYOR. 
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT ANY FALSE 
STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. 
SUBTOTAL $ 830 
CRS PREMIUM DISCOUNT ____% — 
SUBTOTAL $ 830 
PREMIUM PREVIOUSLY PAID 
(Excludes Probation Surcharge/ 
Federal Policy Fee) 
$2,450 
DIFFERENCE — (+/-) -$1,620 
SIGNATURE OF INSURED AND DATE SIGNATURE OF INSURANCE AGENT/BROKER DATE (MMDDYY) 
PRO-RATA FACTOR .849 
TOTAL (+/-) -$1,375
 END 12 October 1, 2011 
EXAMPLE 7 
INCREASING DEDUCTIBLE 
• • Policy term is January 15, 2011–2012. 
• • Single-family dwelling. 
• • Emergency Program (Pre-FIRM). 
• • Current policy limits: Building $35,000/ 
Contents $10,000. 
• • Policy deductible: $2,000/$2,000. 
• • Insured requests to increase deductible to 
$4,000/$2,000 (.900), effective April 15, 2011. 
(This explanation should be recorded in the 
Reason for Change section of the General Change 
Endorsement form.) 
• • Present rates are: Building .76, Contents .96. 
• • Enter the current building and contents coverage in 
Section A, and enter the applicable rates. 
• • Add Sections A and B to obtain the New 
Premium Totals. 
• • Add the New Premium Totals to obtain the 
Premium Subtotal. 
• • The Premium Previously Paid is $362 (excluding 
ICC*, and Probation Surcharge/Federal Policy Fee), 
which is the total current annual premium from 
Section A. 
• • Calculate the Deductible Discount amount and 
enter that amount in the block marked Difference. 
• • Prorate the Difference. 
Time period is April 15, 2011, 
to January 15, 2012; 
Number of days is 275; 
Pro-rata factor is .753 
* ICC is not available in the Emergency Program. 
INSURANCE 
COVERAGE 
SECTION A 
CURRENT COVERAGE 
SECTION B 
INCREASED/DECREASED COVERAGE ONLY NEW 
PREMIUM 
AMOUNT RATE PREMIUM AMOUNT RATE PREMIUM TOTALS 
BUILDING BASIC $35,000 .76 $266 — — — $266 
BUILDING ADDITIONAL — — — — — — — 
CONTENTS BASIC $10,000 .96 $96 — — — $ 96 
CONTENTS ADDITIONAL — — — — — — — 
IF CHANGING AMOUNT OF INSURANCE, ENTER NEW TOTAL AMOUNT BELOW PAYMENT 
OPTION: 
CREDIT CARD 
OTHER: 
SUBTOTAL $362 
BUILDING COVERAGE CONTENTS COVERAGE DEDUCT. DISCOUNT/SURCHARGE -$ 36 
BASIC ADDITIONAL TOTAL BASIC ADDITIONAL TOTAL SUBTOTAL $326 
— — — — — — ICC PREMIUM — 
IF RETURN PREMIUM, MAIL REFUND TO: INSURED AGENT PAYOR. 
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT ANY FALSE 
STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. 
SUBTOTAL $326 
CRS PREMIUM DISCOUNT ____% — 
SUBTOTAL $326 
PREMIUM PREVIOUSLY PAID 
(Excludes Probation Surcharge/ 
Federal Policy Fee) 
$362 
DIFFERENCE — (+/-) -$ 36 
SIGNATURE OF INSURED AND DATE SIGNATURE OF INSURANCE AGENT/BROKER DATE (MMDDYY) 
PRO-RATA FACTOR .753 
TOTAL (+/-) -$ 27


POLICY RENEWALS
 REN 1 May 1, 2011 
I. GENERAL INFORMATION 
The Standard Flood Insurance Policy (SFIP) is not a 
continuous policy. Each policy contract expires at 
12:01 a.m. on the last day of the policy term. Renewal 
of an expiring policy establishes a new policy term and 
new contractual agreement between the policyholder 
and the Federal Emergency Management Agency 
(FEMA). The National Flood Insurance Program (NFIP) 
must issue a notice of expiration not less than 45 
days before the expiration of the flood insurance policy 
by first-class mail to the owner of the property, the 
servicer of any loan secured by the property, and (if 
known) the owner of the loan. 
All policies, including Submit-for-Rate, must be renewed 
using the rates in effect on the renewal date. 
Policy renewal documentation and premium should 
be submitted to the NFIP in advance of the policy 
expiration date to ensure there is no lapse in coverage. 
There are 2 ways to renew a policy: 
• • The agent/producer should complete the entire 
Flood Insurance Application when recertifying or 
changing policy information, and mail it with the Total 
Prepaid Amount to the insurer. 
The 30-day waiting period applies when an additional 
amount of insurance requested at renewal time is 
higher than the amount listed on the renewal bill 
provided by the insurer. The beginning of the waiting 
period is determined by the standard rules. In order 
for the coverage amount higher than the inflation 
option to take effect on the renewal date, the full 
premium must be received at least 30 days prior to 
the renewal effective date. 
OR 
• • The payor should respond to a Renewal Notice by 
selecting an option shown on the direct mail notice 
and returning it with the Total Prepaid Amount to 
the insurer. 
II. RENEWAL NOTICE 
All parties listed on the policy (insured, agent/producer, 
mortgagees) are mailed a Renewal Notice 45 days 
prior to the policy expiration date. The party designated 
on the policy record as the payor receives the payor’s 
copy of the bill; all other parties receive a copy that 
states “THIS IS NOT A BILL.” 
A. Renewing for the Same Coverage – Option A 
Option A of the Renewal Notice shows current amounts 
of insurance and deductibles at the time the Renewal 
Notice is printed. 
B. Inflation Factor – Option B 
Option B shows premium for amounts of insurance 
increased by an inflation factor of 10% for building 
coverage and 5% for contents coverage. The current 
deductible is used. For Preferred Risk Policies (PRPs), 
Option B is the next-higher coverage package available. 
There is no waiting period if Option B is chosen. The 
inflation option will be no higher than the replacement 
cost on record for that policy. If coverage higher than 
the current replacement cost on record is desired, 
updated replacement cost documentation must be 
submitted. 
C. Nonrenewal and Cancellation 
Renewal Notices will not be generated and policies will 
not be renewed for the following situations: 
• • Building under construction; 
• • Tentatively rated policy; 
• • Suspended community; 
• • Provisional rating; 
• • Group Flood Insurance Policy; 
• • PRP ineligibility; and 
• • Section 1316 property. 
However, in each of the situations above, any 
mortgagee named on the policy must be notified of 
the nonrenewal or cancellation, as required by the 
Mortgage Clause of the SFIP (see the Policy section, 
General Conditions, “Q. Mortgage Clause” in all policy 
forms). Within 5 days of the policy expiration date, an 
appropriately worded expiration notice must be sent to 
the mortgagee, with copies to the agent/producer and 
the insured. 
III. PREMIUM PAYMENT DUE 
To ensure that the policy is renewed without a lapse 
in coverage, the premium must be received by the 
insurer within 30 days after the expiration date. As an 
alternative, the premium can be mailed by certified 
mail within 30 days after the expiration date. The 
term “certified mail” has been broadened to include 
not only the U.S. Postal Service, but also certain thirdparty 
delivery services. For details, see the Receipt 
Date subsection in the General Rules section. Use the 
renewal date plus 29 days to determine whether the 
renewal premium was received within 30 days. 


 REN 2 October 1, 2011 
Renewal payments may also be paid by VISA, 
MasterCard, Discover, or American Express. Use the 
detachable payment stub at the bottom of the Renewal 
Notice and Final Notice, or use the Credit Card Payment 
Form at the end of this section. The form is also 
available in the Forms Library on the NFIP Servicing 
Agent’s website at http://www.nfipservices.com. If a 
charge is declined, you will be notified by mail. 
Electronic transactions are permitted if the business 
process includes authentication of signatures and 
dates of receipt of premium. Write Your Own (WYO) 
Companies are responsible for determining the 
business practices and transaction authentication 
methods they will use to ensure the security and 
integrity of such transactions. 
IV. FINAL NOTICE 
If the premium payment is not received by the insurer 
by the date of expiration, a Final Notice is produced. 
This notice is mailed to the agent/producer, insured, 
and mortgagee. The expired policy will be reissued with 
a new effective date if the premium payment is not 
received by the insurer within 30 days following the 
policy expiration date. 
Mortgagee protection under the policy shall continue in 
force after the expiration of the policy for 30 days from 
the mailing date. 
V. RENEWAL EFFECTIVE DATE DETERMINATION 
Renewal dates are calculated as follows: 
• • If the Final Notice and the premium payment are 
received by the insurer within 30 days following the 
expiration, the policy will be issued under the same 
policy number as the previous term, with no lapse in 
coverage. For example, if the policy expires on May 
1, the Final Notice and premium payment must be 
received on or before May 30. 
• • If the Final Notice and the premium payment are 
received by the insurer after the 30-day period, 
but within 90 days following the expiration, the policy 
will be placed in force 30 days following receipt by 
the insurer. 
• • If the Final Notice and the premium payment are 
received after 90 days following the expiration date, 
the agent/producer must submit a new application 
with the full annual premium. The standard 30-day 
waiting period will apply. 
VI. INSUFFICIENT RENEWAL INFORMATION 
To generate Renewal Notices and Final Notices, the 
insurer must have received acceptable application 
data. A Renewal Notice will not be generated in cases 
where a policy application has not been corrected 
prior to the start of a renewal cycle. Therefore, it is 
important that agents/producers respond immediately 
to requests for additional information. 
VII. ENDORSEMENTS DURING RENEWAL CYCLE 
Endorsements received by the insurer within 75 days 
of the policy expiration date may not be reflected 
on the renewal bill. The agent/producer therefore 
should ensure that the new policy is properly endorsed 
after renewal. 
The agent/producer should use a renewal application 
to ensure that all changes are reflected on the renewal. 
VIII. SEVERE REPETITIVE LOSS PROPERTIES 
All policy transactions for Severe Repetitive Loss (SRL) 
properties must be processed by the NFIP Special 
Direct Facility. See the SRL section of this manual for 
more information. 
IX. Transfer of Busines at Renewal 
The new insurer must collect all required underwriting 
information needed to verify the correct rating 
and issuance of the policy. However, a declarations 
page usually does not provide all the required 
underwriting information. 
The new insurer may use the elevation information on 
the declarations page issued by the previous insurer 
only when the Lowest Floor Elevation (LFE) and BFE 
are provided. The elevation information on the previous 
declarations page must be validated when there is 
a discrepancy in the building description (e.g., the 
Application shows a basement or an enclosure and 
the declarations page does not, or the Application 
describes a non-elevated building and the declarations 
page describes an elevated building). 
A PRP requires documentation of eligibility including 
verification of the flood zone. 
A Residential Condominium Building Association Policy 
(RCBAP) requires all information needed to issue and 
rate the policy, including photos and Replacement Cost 
Value (RCV) documentation. 
When an agent/producer moves his or her book of 
business from 1 insurer to another, or when an insurer 
acquires another’s book of business, photographs are 
not required. However, when transferring an individual 
policy, the photograph requirement applies.

 REN 3 May 1, 2011 
SUMMARY OF POLICY NOTICES 
NOTICES INSURED AGENT/Producer MORTGAGEE 
RENEWAL NOTICE 
Shown on pages REN 4–5 
NFIP mails notice for 
payment 45 days prior 
to renewal date. 
NFIP mails notice for 
payment 45 days prior 
to renewal date. 
NFIP mails notice for 
payment 45 days prior 
to renewal date. 
FINAL NOTICE 
Shown on pages REN 6–7 
NFIP mails notice on 
policy expiration date. 
NFIP mails notice on 
policy expiration date. 
NFIP mails a 30-day 
notice of nonrenewal 
on expiration date. 
Mortgagee protection 
terminates 30 days 
after mailing of notice. 
POLICY DECLARATIONS PAGE 
Not shown 
NFIP mails policy 
declarations page. 
NFIP mails policy 
declarations page. 
NFIP mails policy 
declarations page.
 REN 8 May 1, 2011 
CREDIT CARD PAYMENT FORM 
The National Flood Insurance Program accepts flood insurance premium 
payments on VISA, MasterCard, American Express, and Discover 
credit cards. 
If you wish to pay for your [policy by credit card, fill out the bottom portion of 
this page, then detach and return it with your Flood Insurance Application, 
Renewal Notice or Final Notice, or General Change Endorsement Form. 
If your charge is not accepted, you will be notified by mail. 
Flood Insurance Policy Number: 
VISA . MasterCard . American Express . Exp. Date: / 
Discover . 
Account No.: 
Cardholder's Name: Amount of Charge $ 
Billing Address: 
City, State & ZIP Code: 
Signature: Date: / / 
This policy is not subject to cancellation for reasons other than those set forth in 
the National Flood Insurance Program rules and regulations. In matters involving 
billing disputes, cancellation is not available other than for billing processing 
errors or fraud.


 CN 3 October 1, 2011 
not located in a community participating in the 
NFIP. (The use of an incorrect community number 
allowed the policy to be issued.) (2) Contents are 
not located in an eligible building. (3) 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 Coastal Barrier Resources 
Act (CBRA) determination, as appropriate, or 
photographs showing ineligibility 
7. Property Closing Did Not Occur (TR P Reason 08) 
This reason is used to nullify a policy when it 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 (TR P 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 
insurer. A revised determination from the lender may 
be used to cancel the policy. A Federal Emergency 
Management Agency (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 rated 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 (TR P 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 provided the mortgagee 
confirms in writing that the insurance is no longer 
required because the property was removed 
from the SFHA. This cancellation reason may 
be used even if the policy was rated in a non- 
SFHA due to grandfathering or to the 2-year PRP 
Eligibility Extension. 
NOTE: The Residential Condominium Building 
Association Policy (RCBAP) requires a release 
from the mortgagee for each unit owner in 
the building or a signed release from each 
unit owner when there is 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 in those 
cases where the map was revised during the 
current policy term, and for an additional policy 
year in those cases where the insured had 
been required to renew the policy during the 6 
months before or after the effective date of the 
revised map, provided no claim has been paid 
or is pending during the policy year that is being 
canceled. For example, the flood policy was 
effective from January 1, 2009, to January 1, 
2010, and renewed January 1, 2010, to January 
1, 2011. The effective date of the map change 
is February 15, 2010. The cancellation will be 
effective January 1, 2009.
 CN 4 October 1, 2011 
• • 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. C ondominium Policy (Unit or Association) 
Converting to RCB AP (TR P Reason 45) 
This provides a means to cancel a dwelling policy 
covering a condominium unit because coverage 
is being provided under an RCBAP. This reason is 
used 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 
11. T his cancellation reason code has been deactivated. 
12. Mortgage Paid Off (TR P Reason 52) 
This reason is used to cancel a policy that was 
obtained due to a requirement by a mortgagee or 
lender as a condition of a mortgage loan, and that 
mortgage loan has now been paid off, provided no 
claim has been paid or is pending. 
• • Type of Refund: Pro rata 
• • Years Eligible for Refund: Current year and 
the pro-rata portion of the prior policy year in 
those cases where the policy renewed after the 
mortgage was paid off 
• • Cancellation Request: Must be received within 
60 days of the date the mortgage was paid off 
for the cancellation to be effective on the date of 
payoff. When the request is received more than 
60 days after the mortgage was paid off, there 
is no refund. 
• • 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 (TR P 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 (TR P 
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 nonpayment 
15. Insurance No Longer Required Based on FEMA 
Review of Lender’s Special Flood Hazard Area 
Determination (TR P Reason 16) 
Flood insurance was initially required by the 
mortgagee or other lender because the property 
was determined to be in an 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. This 
cancellation reason may be used even if the policy 
was rated in a non-SFHA due to grandfathering or 
to the 2-year PRP Eligibility Extension. 
• • 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 LODR, and 
statement from the lender that flood insurance 
is not required 
16. Duplicate Policies from Sources Other Than the 
NFIP (TR P 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
 CN 5 October 1, 2011 
• • 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 
17. T his cancellation reason code has been deactivated. 
18. Mortgage Paid Off on an MPPP Policy (TR P 
Reason 52) 
This reason code is used to cancel an MPPP Policy 
after the mortgage is paid off, provided no claim 
has been paid or is pending. 
• • Type of Refund: Pro rata 
• • Years Eligible for Refund: Current year and 
the pro-rata portion of the prior policy year in 
those cases where the policy renewed after the 
mortgage was paid off 
• • Cancellation Request: Must be received within 
60 days of the date the mortgage was paid off 
for the cancellation to be effective on the date of 
payoff. When the request is received more than 
60 days after the mortgage was paid off, there 
is no refund. 
• • 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 SFHA by Means of a LOMA or LOMR (TR P 
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. This cancellation reason may be 
used even if the policy was rated in a non-SFHA 
due to grandfathering or to the 2-year PRP Eligibility 
Extension. A copy of the LOMA or LOMR must 
accompany this request. This cancellation code 
cannot be used when a LOMA or LOMR is issued 
more than 60 days before the effective date of the 
current policy. 
NOTE: The RCBAP requires a release from the 
mortgagee for each unit owner in the building 
or a signed release from each unit owner 
when there is 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, 
if applicable, 1 prior year provided the LOMA/ 
LOMR became effective within 60 days before 
the current policy’s effective date and no claim 
has been paid or is pending during the policy year 
that is being canceled. For example, the flood 
policy was effective from January 1, 2009, to 
January 1, 2010, and renewed January 1, 2010, 
to January 1, 2011. The effective date of the 
LOMA is December 1, 2009. The cancellation 
will be effective January 1, 2009. 
NOTE: If the LOMA/LOMR is dated more than 
60 days prior to the most recent renewal, no 
refund will be issued. 
• • Cancellation Request: Must be received during 
the policy year or within 6 months of the policy 
expiration date. 
• • Documentation: Statement from mortgagee that 
flood insurance is no longer required because 
the property was removed from the SFHA, and 
a copy of the LOMA/LOMR; or, in the case of 
multi-property LOMAs or LOMRs that do not list 
the property’s specific building, street address, 
lot number, or rural address, any of the following 
and a copy of the LOMA/LOMR: 
o o A letter that an insured received from their 
community official stating that their structure 
was removed from the SFHA by a multiproperty 
LOMR or LOMA. 
o o A letter from the applicable community official, 
on official letterhead, stating that the building 
was included in the area removed from the 
SFHA by the multi-property LOMR or LOMA, 
which listed only boundaries/intersections of 
streets, lot numbers, or rural addresses. 
o o In cases, and only in cases, where (1) a 
community official could not or would not 
provide a letter, or (2) the structure has a rural 
address, the following set of 2 documents 
may be submitted: 
– – A copy of a legal notice, such as a real 
estate assessment notice or a water/sewer 
notice, that shows the lot number, street or 
rural address, or other legal designation of 
the location of the structure; and
 CN 6 October 1, 2011 
– – A letter from the mortgage lender that 
(1) shows the lot number, street or rural 
address, or other legal designation of 
the location of the structure, and that (2) 
states that the structure was within the 
boundaries of the area removed from the 
SFHA by the LOMR or LOMA. 
Letters from community officials must match the 
street address and lot number with a specific multiproperty 
LOMR or LOMA, stating that the individual 
building street address, lot number, or rural 
address (e.g., RR, Box #, Hwy) was included in the 
area covered by the LOMR or LOMA. The insurer 
may accept zone determinations in lieu of the 
documentation cited above for these situations. 
20. Policy Was Written to the Wrong Facility (Severe 
Repetitive Loss Property) (TR P 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 Severe Repetitive Loss Properties. 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: Report provided by the NFIP 
identifying the building as a Severe Repetitive 
Loss Property 
21. Other: Continuous Lake Flooding or Closed Basin 
Lakes (TR P Reason 10) 
This cancellation code is used for continuous lake 
flooding or closed basin lakes. The cancellation 
can be for only 1 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. C ancel/Rewrite Due to Misrating (TR P 
Reason 22) 
This reason code is used when ineligible PRPs or 
MPPP policies are canceled and rewritten within the 
same company and when changes are made due to 
system constraints. The code should also be used 
to cancel a standard-rated policy that is eligible for 
a PRP due to misrating. This includes a standardrated 
policy incorrectly rated in an SFHA, or the 
failure to apply the 2-year PRP Eligibility Extension 
to an eligible property. Refunds resulting from the 
cancellation must be applied to the rewritten policy 
prior to any refund being generated. Use New/ 
Rollover Indicator “Z” to report the new policy. In 
order to process a cancel/rewrite due to misrating, 
the policy to be canceled must have no open or 
paid claim during the policy year(s) to be canceled. 
• • Type of Refund: Full 
• • Years Eligible for Refund: Current year only when 
converting a standard-rated B, C, or X Zone 
policy to a PRP. Up to 6 years from the date of 
misrating of a standard-rated policy in an SFHA, 
or the failure to apply the 2-year PRP Eligibility 
Extension to an eligible property. 
NOTE: In determining the number of years for 
refund eligibility, do not include policy years 
that expired before a lapse in coverage. 
• • Cancellation Request: N/A 
• • Documentation: LOMA, LOMR, zone determination, 
copy of map, etc. 
23. Fraud (TR P 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/producer 
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. C ancel/Rewrite Due to Map Revision, LOMA, or 
LOMR (TR P Reason 24) 
This reason code is used to cancel and rewrite 
a standard-rated flood insurance policy to a PRP 
within the same company as the result of a map 
revision, LOMA, or LOMR. The standard-rated 
policy will be canceled and rewritten as a PRP. 
Use New/Rollover Indicator “Z” to report the new 
policy. Premium from the canceled policy will be 
applied to the PRP, with the difference refunded 
to the policyholder. No 30-day waiting period 
will apply to the PRP. The agent/producer will 
retain the full commission, and the company’s 
expense allowance will not be reduced. This rule 
applies to the current policy year and 1 prior year 
 CN 7 October 1, 2011 
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 years 
• • 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 agent/producer. 
D. Insured Mailing 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 agent/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 for all cancellation reason codes 
except 5, 6, and 22. The agent/producer must sign 
and date the cancellation/nullification request for all 
cancellation reason codes except 6 and 22. 
Electronic transactions are permitted if the business 
process includes authentication of signatures and 
dates of receipt of premium. WYO Companies are 
responsible for determining the business practices and 
transaction authentication methods they will use to 
ensure the security and integrity of such transactions. 
After completing the cancellation request, attach all 
required supporting documents and submit them to 
the insurer. The agent/producer should retain a copy, 
give a copy to the insured, and send a copy to the 
mortgagee, if applicable. 
After processing the cancellation request, the insurer 
will send the agent/producer, mortgagee, and insured 
a notice of cancellation.
 CN 8 May 1, 2011 
Processing Outcomes for Cancellation/Nullification of a Flood Insurance Policy 
Reason 
Code for 
Cancellation/ 
Nullification 
(with TRRP Code) 
PREMIU M REFUND 
FEDE RAL POLI CY FE 
AND PROBATION SU RCHA RGE 
PRODU CER COMMISION 
(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) . . .
 MAP 3 October 1, 2011 
A LOMA is a determination made by FEMA for property 
and/or building as to whether it is located within the 
SFHA. LOMA determinations are based on the following: 
• • Comparing the location of the property to the SFHA. 
• • Comparing the elevation of the property to the 
1-percent-annual-chance flood elevation. 
If, after plotting the location on the FIRM, the FEMA 
examiner finds that the property and/or building is not 
shown in the SFHA, then the Determination will be “Out 
As Shown” rather than “Removed.” The FEMA Out- 
As-Shown Determination will state that the property 
or building is correctly shown outside the SFHA and, 
therefore, the mandatory flood insurance requirement 
does not apply. 
An Out-As-Shown Determination does not require 
elevations. The minimum requirements to make an 
Out-As-Shown Determination are as follows: 
• • A photocopy of the FIRM panel (including the title 
block) that shows the area in which the property is 
located. 
• • Section A of the MT-EZ form, which is found in the 
MT-EZ application package and can be obtained 
from the FEMA website at http://www.fema.gov/ 
plan/prevent/fhm/dl_mt-ez.shtm, or by calling the 
toll-free number listed below. 
• • A copy of the subdivision Plat Map of the area, 
showing the recordation data (i.e., Book/Volume and 
Page numbers) and containing the recorder’s seal. 
OR 
• • A copy of the deed for the property, showing the 
recordation information (i.e., Book/Volume and 
Page numbers) and containing the recorder’s seal, 
accompanied by a tax assessor’s or other suitable 
map showing the surveyed location of the property 
and at least 2 street intersections that are also 
shown on FEMA’s FIRM. 
In some cases, additional information may be required 
to make a determination. 
Questions about LOMAs may be directed to the FEMA 
Map Information eXchange (FMIX) toll-free information 
line at 1-877-FEMA-MAP (1-877-336-2627). 
B. Letter of Map Revision (LOMR) 
A LOMR is an official revision to the currently effective 
FEMA map. It is used to change flood zones, floodplain 
and floodway delineations, flood elevations, and 
planimetric features. All requests for LOMRs must be 
made to FEMA through the chief executive officer of 
the community, since it is the community that must 
adopt any changes and revisions to the map. A LOMR 
is usually followed by a physical map revision. 
C. Physical Map Revision 
A physical map revision is an official republication of 
a map to effect changes to flood insurance zones, 
floodplain delineations, flood elevations, floodways, 
and planimetric features. 
The community’s chief executive officer can submit 
scientific and technical data to FEMA to support the 
request for a map revision. The data will be analyzed, 
and the map will be revised if warranted. 
NOTE: To verify past rating determinations and to 
establish floodplain management compliance 
requirements, old maps should be retained. 
V. ORDERING FLOOD MAPS 
Flood maps and related products may be ordered by 
writing to the FEMA MSC at P.O. Box 1038, Jessup, 
MD 20794-1038. Orders also may be placed by calling 
the FEMA Map Information eXchange (FMIX) toll-free 
number, 1-877-336-2627, from 8:00 a.m. to 8:00 
p.m., Monday through Friday. 
Information about flood maps and other products also 
is available at the MSC’s website (http://msc.fema. 
gov). Visitors to the site now can download and print 
free “FIRMettes” – user-selected portions of official 
FEMA FIRMs. Regular visitors may set up accounts to 
order and pay for fee-based products online. 
The MSC distributes FHBMs, FIRMs, and Flood 
Insurance Studies in hardcopy format. Digital flood 
data, known as Q3, are available on CD-ROM for 
approximately 900 counties nationwide. The Q3 data 
require GIS software for use. Call the FEMA Map 
Information eXchange (FMIX) at 1-877-336-2627 for 
Q3 information for specific areas. 
A. Ordering Instructions 
Z-fold maps may be ordered by community number 
and panel number. Flat map orders require a 6-digit 
community number. When ordering maps, be sure to 
identify specific map panels needed. 
B. Prices 
There is a $4 charge for each hardcopy map panel, 
including index maps, plus shipping. Q3 data are $50 
per CD-ROM. Federal, state, and local governments 
are exempt from the fees for hardcopy maps. However, 
they must pay for Q3 CD-ROMs.
 MAP 4 October 1, 2011 
A chart showing MSC products, services, and fees is 
provided on pages MAP 5–6. Orders must be prepaid, 
and all sales are final. Overpayments of less than $3 
are not refunded. 
The MSC accepts VISA, MasterCard, American 
Express, and Discover; deposit accounts (see “C. Map 
Revisions,” following); and checks. Credit card and 
deposit account orders can be faxed to 1-800-358- 
9620. Checks should be made payable to “NFIP” and 
mailed to the address shown at the beginning of “V. 
Ordering Flood Maps.” 
C. Map Revisions 
To automatically receive map revisions, an account 
must be set up by either check or credit card. Accounts 
are established with a check of $1,500 minimum. The 
check must be sent to the MSC at the address on the 
previous page, along with a list of the required map 
areas. As revised maps become available, they will be 
sent automatically, and the appropriate fees will be 
deducted from the deposit account. 
Revised map information also may be obtained 
from the Flood Map Status Information Service or 
the Community Status Book. For more information, 
call the FEMA Map Information eXchange (FMIX) at 
1-877-336-2627.


PROVISIONAL RATING
 PR 1 October 1, 2011 
I. GENERAL DESCRIPTION 
Provisional rating is available to enable the placement 
of coverage prior to receipt of the Elevation Certificate 
(EC). It is expected that an EC will be secured and 
actuarial rating completed within 60 days of the policy 
effective date. Failure to obtain the EC could result 
in reduced coverage limits at the time of a loss. A 
sample rate questionnaire and a sample notice to the 
policyholders informing them of their obligations under 
a provisionally rated policy are included in this section. 
Provisional rates may be used in writing new business 
whether or not the 30-day waiting period is applicable. 
Provisionally rated policies are subject to Community 
Rating System (CRS) Premium Discount, Probation 
Surcharge, and optional deductible factors, as 
applicable. The Federal Policy Fee and Increased Cost 
of Compliance (ICC) Premium also apply to provisionally 
rated policies. 
II. ELIGIBILITY REQUIREMENTS 
Provisional rating is available only for newly insured 
risks meeting all of the following criteria: 
• • Post-FIRM; 
• • 1–4 family residential buildings; and 
• • Property located in either 
o o Zones AE, A1–A30, AO, or AH, or 
o o Zone A where the community provides Base Flood 
Elevations (BFEs). 
Manufactured (mobile) homes are not eligible. 
Policies written with provisional rates cannot be 
renewed or rewritten with provisional rates. In addition, 
an insured who has purchased a provisionally rated 
policy on a given property may not purchase another 
provisionally rated policy on that same property. 
III. REFORMATION 
While provisionally rated policies may remain in effect 
for up to 1 year, actuarial rating must be accomplished 
prior to any claim payment, should there be a loss. 
A. Limitations 
A provisionally rated policy has limited reformation 
rights. 
1. If the insurer receives a valid EC and the required 
photographs within 60 days of the policy effective 
date, the coverage limits on the declarations page 
will be revised as of the policy effective date. If any 
additional premium is due because the actuarial 
premium is more than the provisional premium, the 
insured will then have 30 days to pay the additional 
premium for the entire term to restore the originally 
requested limits without a waiting period. Those 
coverage limits will apply even to a loss occurring 
before the EC and additional premium are received. 
Actuarial rating will be completed before the loss 
payment is made. 
2. If the insurer receives a valid EC and any additional 
premium due as a result of using actuarial rates 
more than 60 days after the policy effective date 
but before a loss occurs, the insured has 2 options. 
The insured may submit the additional premium for 
the entire policy term, in which case the coverage 
limits on the declarations page will be in force from 
the effective date. Alternatively, the insured may 
submit the additional premium, computed for the 
remainder of the policy term with a 30-day waiting 
period. In this latter case, the originally requested 
coverage limits will apply only to any loss occurring 
after the waiting period. Reduced coverage limits 
as described in number (3) below will apply to any 
loss occurring within the waiting period. 
3. If neither (1) nor (2) above applies, actuarial rates 
must be determined before any loss payment will 
be made. If the actuarial premium is more than the 
provisional premium, the coverage limits will be 
less than those shown on the declarations page. In 
that case, the loss payment will be subject to the 
reduced coverage limits, which will be the coverage 
limits that the provisional premium would buy using 
the actuarial rates. If the insured wants to increase 
the reduced coverage limits, a 30-day waiting 
period will apply to the additional coverage. 
In all instances, if the actuarial premium is less than 
the provisional premium, the amount of coverage 
may not exceed the amount originally requested. 
B. Endorsement Procedure 
A provisionally rated policy may not be endorsed to 
increase coverage until the policy has been reformed 
to an actuarially rated policy. At that time, all standard 
endorsement rules apply (e.g., 30-day wait). In order to 
reform the rating method of a provisionally rated policy, 
the agent/producer should submit a general change 
request along with the necessary documentation. 
Any additional premium due must be calculated 
and submitted at that time. The reason for change 
should be listed as “reforming from provisional to 
actuarial rating.” 


 PR 2 October 1, 2011 
IV. NOTIFICATION REQUIREMENTS 
When a policy is issued using provisional rating, along 
with the declarations page, a notice will be provided 
to the insured, the agent/producer, and the lender (if 
applicable) that explains the nature of the coverage, 
the limited reformation rights, and the expectation that 
actuarial rating will be accomplished. See the sample 
notice at the end of this section. 
V. COMPLETING THE PROVISIONAL RATING 
QUESTIONNAIRE 
A. General Directions 
The Provisional Rating Questionnaire, shown on page 
PR 3, is for Post-FIRM properties in zones A with BFE, 
AE, A1–A30, AO, and AH where there is no EC at the 
point of sale. Eligibility is restricted to 1–4 family 
buildings. The questionnaire must be completed and 
submitted with the Flood Insurance Application. 
The following are instructions for completing the 
questionnaire. 
1. Enter the applicant’s name and the property 
address, city, state, and ZIP Code. 
2. Enter the policy number, if known. 
3. Enter the policy effective date and policy expiration 
date (month/day/year). The effective date of the 
policy is determined by adding the appropriate 
waiting period to the date of application listed on 
the Flood Insurance Application. 
4. For questions 1–4 on the Provisional Rating 
Questionnaire, start with question 1 and proceed 
until a question is answered affirmatively. That will 
indicate the foundation type that is to be used in 
selecting the rate from the table. 
5. Complete the Flood Insurance Application and 
attach the questionnaire. Use the rates in the 
table indicated by the answers to questions 1–4 
to complete the premium calculation section 
on the Flood Insurance Application. Note that 
optional deductibles, ICC Premium, CRS Premium 
Discount, Probation Surcharge, and Federal Policy 
Fee affect the Total Prepaid Amount calculation for 
provisional rates. 
B. Guidance for Determining Building Elevated 
on Fill 
For the purposes of this questionnaire, the following 
questions are provided to help correctly determine 
whether a building has been elevated on fill. 
1. Is the building built on a mound of earth? An 
indication could be that the land slopes significantly 
down away from the building in the front and rear, 
or the driveway slopes significantly down toward 
the street. 
2. Is the front door threshold at least 3 feet above 
the crown of the street? 
3. Do steps up from the street to the house result in 
at least a 3-foot rise? 
4. Is the lower floor of the house at least 2 feet above 
the floor of the garage? 
If the answer to any of the above is “yes,” indicate 
“yes” for question 2 on the questionnaire.
 PR 3 October 1, 2011 
NATIONAL FLOOD INSURANCE PROGRAM 
PROVISIONAL RATING QUESTIONNAIRE 
1–4 Family Post-FIRM Zones A with BFE1, AE, A1–A30, AO, and AH 
(To be attached to the Flood Insurance Application) 
NAME POLICY NUMBER 
PROPERTY ADDRESS Policy Period is from to 
CITY State Zip Code 
Answer the questions below. Use the rates associated with the first “yes” response. These rates are to be used 
on the Flood Insurance Application. 
Yes No 
1. Is there a basement or subgrade crawlspace? 
2. Is the house built on fill2 or with a crawlspace or solid perimeter foundation walls? 
3. Is the house elevated on pilings, piers, columns, or parallel shear walls? If yes, determine 
whether there is an enclosed area underneath the building. 
4. Were the answers to the previous questions all no? Then the house is assumed to be slab on 
natural grade. 
FOUNDATION 
TYPE 
BUILDING TYPE CONTENTS LOCATION 
1 Floor (No 
Basement) 
More Than 
1 Floor 
(Basement or 
No Basement) 
Basement and 
Above 
Lowest Floor 
Only – Above 
Ground 
Level (Not in 
Basement) 
Lowest Floor 
Above Ground 
Level and 
Higher (Not in 
Basement) 
Above3 Ground 
Level – More 
Than 1 Full 
Floor 
Basement or Subgrade 
Crawlspace 2.40 / .66 1.29 / .13 .96 / .13 .68 / .13 .35 / .12 
Slab on Fill, Crawlspace, 
or Solid Perimeter 
Foundation Walls 1.78 / .13 1.30 / .12 1.49 / .62 .95 / .45 .35 / .12 
Piles, Piers, Columns, or 
Parallel Shear Walls 
With Enclosure 
No Enclosure 
1.27 / .12 
.75 / .10 
.94 / .11 
.57 / .09 
1.40 / .14 
1.04 / .14 
1.09 / .13 
.73 / .13 
.35 / .12 
.35 / .12 
Slab on Natural Grade 4.00 / 2.15 4.00 / 2.15 6.77 / 4.07 6.77 / 4.07 .35 / .12 
1 Provisional rates can be used in Unnumbered A Zones only where communities provide BFEs. 
2 For information on how to determine whether a house is built on fill, see the guidelines on page PR 2. 
3 The “Above Ground Level – More Than 1 Full Floor” rates are applicable to 2–4 family buildings only. 
NOTE: Add $5 ICC Premium and $50 Probation Surcharge, if applicable, for all provisionally rated policies.
 PR 4 October 1, 2011 
VI. PROVISIONAL RATING EXAMPLE 
REGULAR PROGRAM, POST-FIRM CONSTRUCTION 
Data Essential to Determine Appropriate Rates and Premium: 
Regular Program : 
• • Flood Zone: A with BFE, AE, A1–A30, AO, or AH 
• • Occupancy: Single-Family Dwelling 
• • Number of Floors: 3 
• • Basement/Enclosure: Basement 
• • Deductible: $3,000/$2,000 
• • Deductible Factor: .875 
• • Contents Location: Basement and Above 
• • Date of Construction: Post-FIRM 
• • Elevation Difference: N/A 
• • Floodproofed (Yes/No): No 
• • Building Coverage: $250,000 
• • Contents Coverage: $100,000 
• • ICC Premium: $5 
• • CRS Rating: N/A 
• • CRS Discount: N/A 
• • Probation Surcharge: $50 
Determined Rates : 
Building: 2.40/.66 Contents: 1.29/.13 
BASIC LIMITS 
ADDITIONAL LIMITS 
(REGULAR PROGRAM ONLY) DEDUCTIBLE 
BASIC AND 
ADDITIONAL 
TOTAL 
COVERAGE PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
PREM. REDUCTION/ 
INCREASE 
TOTAL AMOUNT 
OF INSURANCE 
BUILDING $60,000 2.40 $1,440 $190,000 .66 $1,254 $337 $250,000 $2,357 
CONTENTS $25,000 1.29 $323 $75,000 .13 $98 $53 $100,000 $368 
RATE TYPE: (ONE BUILDING PER POLICY — BLANKET COVERAGE NOT PERMITTED) 
MANUAL SUBMIT FOR RATING 
ALTERNATIVE V-ZONE RISK RATING FORM 
PROVISIONAL RATING LEASED FEDERAL PROPERTY 
MORTGAGE PORTFOLIO PROTECTION PROGRAM 
PAYMENT OPTION: 
CREDIT CARD 
OTHER: 
ANNUAL SUBTOTAL $2,725 
ICC PREMIUM $5 
SUBTOTAL $2,730 
CRS PREMIUM DISCOUNT % — 
SUBTOTAL $2,730 
The above statements are corect to the best of my knowledge . I understand that any false 
statements may be punishable by fine or imprisonment under aplicable federal law . 
SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) 
PROBATION SURCHARGE $50 
FEDERAL POLICY FEE $40 
TOTAL PREPAID AMOUNT $2,820 
Premium Calculation : 
1. Multiply Rate × $100 of Coverage: Building: $2,694 / Contents: $421 
2. Apply Deductible Factor: Building: .875 × $2,694 = $2,357 / Contents: .875 × $421 = $368 
3. Premium Reduction: Building: $337 / Contents: $53 
4. Subtotal: $2,725 
5. Add ICC Premium: $5 
6. Subtract CRS Discount: N/A 
7. Subtotal: $2,730 
8. Add Probation Surcharge: $50 
9. Add Federal Policy Fee: $40 
10. Total Prepaid Amount: $2,820
 PR 5 October 1, 2011 
SAMPLE NOTICE TO ACCOMPANY PROVISIONALLY RATED POLICIES 
At the request of you and your agent/producer, the enclosed Standard Flood Insurance Policy has been issued 
using provisional rates because an Elevation Certificate was not available at the time of application. An Elevation 
Certificate is necessary to determine a premium that accurately reflects the flood risk (i.e., actuarial rates). By 
accepting this provisionally rated policy, you agree to submit an Elevation Certificate and the required photographs 
within 60 days of your policy becoming effective. Failure to comply with this requirement may result in lower 
coverage limits than those shown on the enclosed declarations page and may affect other aspects of your 
coverage. This policy is issued for a 1-year term and cannot be renewed using provisional rates. 
It is likely that after you submit a valid Elevation Certificate, the resulting actuarial premium will be determined to 
be lower than the provisional premium. In that case, you will receive a refund of the difference for the policy term. 
If the actuarial premium is determined to be higher, the following rules apply: 
(1) If we receive from you a valid Elevation Certificate and the required photographs within 60 days of the policy 
effective date, the coverage limits on the declarations page will be revised as of the policy effective date. If any 
additional premium is due because the actuarial premium is more than the provisional premium, you will then 
have 30 days to pay the additional premium for the entire term to restore the originally requested limits without 
a waiting period. Those coverage limits will apply even to a loss occurring before we receive the Elevation 
Certificate and additional premium. Actuarial rating will be completed before the loss payment is made. 
(2) If we receive from you a valid Elevation Certificate and any additional premium due as a result of using actuarial 
rates more than 60 days after the policy effective date but before a loss occurs, you have 2 options. You may 
submit the additional premium for the entire policy term, in which case the coverage limits on the enclosed 
declarations page will be in force from the effective date. Alternatively, you may submit the additional premium, 
computed for the remainder of the policy term with a 30-day waiting period. In this latter case, the originally 
requested coverage limits will only apply to any loss occurring after the waiting period. Reduced coverage limits 
as described in number (3) below will apply to any loss occurring within the waiting period. 
(3) If neither (1) nor (2) above applies, actuarial rates must be determined before any loss payment will be made. If 
the actuarial premium is more than the provisional premium, the coverage limits will be less than those shown 
on the enclosed declarations page. In that case, the loss payment will be subject to the reduced coverage 
limits, which will be the coverage limits that the provisional premium would buy using the actuarial rates. If you 
want to increase your reduced coverage limits, a 30-day waiting period will apply to the additional coverage. 
In all instances, if the actuarial premium is less than the provisional premium, the amount of coverage may not 
exceed the amount originally requested. 
If you have any questions, please contact your insurance agent/producer for assistance.

COASTAL BARRIER RESOURCES SYSTEM
 CBRS 1 May 1, 2011 
The Coastal Barrier Resources Act (Pub. L. 97-348) and 
the Coastal Barrier Improvement Act of 1990 (Pub. L. 
101-591) are Federal laws that were enacted on October 
18, 1982, and November 16, 1990, respectively. The 
legislation was implemented as part of a Department 
of the Interior (DOI) initiative to minimize loss of human 
life by discouraging development in high-risk areas, 
reduce wasteful expenditures of Federal resources, 
and preserve the ecological integrity of areas Congress 
designates as a Coastal Barrier Resources System 
(CBRS) and Otherwise Protected Areas (OPAs). The 
laws provide this protection by prohibiting all Federal 
expenditures or financial assistance, including flood 
insurance, for residential or commercial development 
in areas so identified. 
The 1990 Act amends the 1982 Act by adding and 
deleting CBRS areas and by adding OPAs. As a result, 
revisions are made to the Flood Insurance Rate Maps 
(FIRMs) for the affected communities. Both of the laws 
provided 1-year grace periods for the National Flood 
Insurance Program (NFIP) to comply with the statutory 
requirements: October 1, 1983, for the 1982 Act and 
November 16, 1991, for the 1990 Act. The 1-year 
grace period for the 1990 Act applies only to the OPAs. 
New CBRS areas established by the 1990 Act have no 
grace period. 
To determine whether a building is eligible for flood 
insurance coverage, the agent/producer should 
consult the list of communities where coastal barriers 
and/or OPAs have been identified. The list is included 
in this section. The community’s map should always be 
reviewed to determine if the property to be insured is 
located in a designated CBRS area or OPA. 
A listing of map panels that have CBRS areas is 
available for review on the Federal Emergency 
Management Agency (FEMA) website at http://www. 
fema.gov/business/nfip/cbrs/cbrs.shtm. The website 
page is for information and notification purposes 
only. The website does not determine flood insurance 
eligibility or status in relation to a CBRS or an OPA; 
it merely indicates whether a particular FIRM panel 
contains a portion of the CBRS or an OPA. Further 
study of the FIRM and property location and/or the 
building’s date of construction in relation to the CBRS 
designation date is necessary to determine whether a 
specific property is eligible for flood insurance. 
Buildings may be eligible for flood insurance even if 
they are located within such areas. Eligibility depends 
upon which Act identified that community as having 
such areas. 
Eligibility under the 1982 Act for a building in a CBRS 
area requires that: 
• • A legally valid building permit for the construction 
of the building was issued prior to October 1, 
1983; and 
• • The building was built (walled and roofed) prior to 
October 1, 1983; and 
• • The building was not substantially improved or 
substantially damaged on or after October 1, 1983. 
Eligibility under the 1990 Act for a building in a CBRS 
area or an OPA requires that: 
• • For CBRS areas: 
o o A legally valid building permit for the construction 
of the building was issued prior to November 16, 
1990; and 
o o The actual start of construction of the building was 
prior to November 16, 1990; and 
o o The building was not substantially improved 
or substantially damaged on or after November 
16, 1990. 
• • For OPAs: 
o o A legally valid building permit for the construction 
of the building was issued prior to November 16, 
1991; and 
o o A building in an OPA was built (walled and roofed) 
no later than November 16, 1991; and 
o o The building was not substantially improved or 
substantially damaged after November 16, 1991. 
OR 
o o The building is used in a manner consistent with 
the purpose for which the area is protected, 
regardless of the date of construction. 
Eligibility under other CBRS amendments is based on 
the preceding rules applied to the date the insurance 
prohibition became effective. 
When an Application for flood insurance is submitted 
for buildings located in CBRS and/or OPA communities, 
the following types of documentation must be submitted 
as evidence of eligibility by the agent/producer writing 
through the NFIP Direct: 
• • For buildings built on or after the date the insurance 
prohibition became effective, a legible copy of the 

 CRS 3 October 1, 2011 
1 For the purpose of determining CRS discounts, all AR and A99 Zones are treated as non-SFHAs. 
2 Status: C = Current, R = Rescinded 
TABLE 2. COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES 
COMMUNITY 
Num ber COMMUNITY NAME 
CRS 
ENTRY Dat e 
CURRE NT 
EFFECTIVE DATE 
CURRE NT 
CLASS 
% DISCOUNT 
FOR SFHA1 
% DISCOUNT 
FOR NON-SFHA STATUS2 
Alabama 
010146 Athens, City of 10/1/91 10/1/98 10 0 0 R 
010071 Atmore, City of 05/1/02 05/1/02 8 10 5 C 
015000 Baldwin County 10/1/95 10/1/08 7 15 5 C 
010116 Birmingham, City of 10/1/94 10/1/10 8 10 5 C 
010418 Dauphin Island, Town of 04/1/01 04/1/01 8 10 5 C 
010176 Decatur, City of 10/1/91 10/1/05 10 0 0 R 
015005 Gulf Shores, Town of 10/1/93 10/1/93 9 5 5 C 
015006 Homewood, City of 10/1/01 10/1/01 9 5 5 C 
010123 Hoover, City of 10/1/91 10/1/91 9 5 5 C 
010153 Huntsville, City of 10/1/91 05/1/03 7 15 5 C 
015007 Mobile, City of 10/1/92 10/1/93 10 0 0 R 
015011 Orange Beach, City of 10/1/91 10/1/07 7 15 5 C 
010189 Pell City, City of 10/1/92 10/1/92 9 5 5 C 
010002 Prattville, City of 10/1/91 05/1/08 8 10 5 C 
010070 Wetumpka, City of 10/1/91 10/1/91 9 5 5 C 
Alaska 
020005 Anchorage, Municipality of 10/1/95 10/1/09 6 20 10 C 
020012 Kenai Peninsula, Borough of 04/1/00 04/1/00 8 10 5 C 
020003 Ketchikan Gateway Borough 10/1/05 10/1/05 9 5 5 C 
020069 Nome, City of 10/1/05 10/1/07 8 10 5 C 
020113 Seward, City of 10/1/05 10/1/10 7 15 5 C 
020094 Valdez, City of 10/1/92 10/1/09 8 10 5 C 
Arizona 
040013 Benson, Town of 10/1/91 10/1/92 10 0 0 R 
040014 Bisbee, City of 10/1/91 10/1/92 10 0 0 R 
040131 Camp Verde, Town of 10/1/91 05/1/11 7 15 5 C 
040080 Casa Grande, City of 10/1/91 05/1/11 9 5 5 C 
040040 Chandler, City of 10/1/91 05/1/04 7 15 5 C 
040094 Chino Valley, Town of 10/1/91 10/1/11 10 0 0 R 
040095 Clarkdale, Town of 10/1/91 05/1/11 7 15 5 C 
040012 Cochise County 10/1/91 10/1/91 9 5 5 C 
040019 Coconino County 10/1/91 10/1/99 8 10 5 C 
040061 Dewey-Humboldt, Town of 10/1/07 05/1/11 7 15 5 C 
040020 Flagstaff, City of 10/1/91 10/1/07 7 15 5 C 
040028 Gila County 10/1/91 10/1/92 10 0 0 R 
040044 Gilbert, Town of 10/1/91 10/1/92 8 10 5 C 
040045 Glendale, City of 10/1/91 05/1/10 7 15 5 C 
040067 Holbrook, City of 10/1/95 10/1/00 8 10 5 C 
040037 Maricopa County 10/1/91 05/1/02 5 25 10 C 
040048 Mesa, City of 10/1/91 04/1/98 10 0 0 R 
040058 Mohave County 10/1/95 05/1/10 7 15 5 C 
040066 Navajo County 10/1/92 05/1/08 8 10 5 C 
040051 Phoenix, City of 10/1/92 10/1/02 6 20 10 C 
040073 Pima County 10/1/91 05/1/07 5 25 10 C 
040098 Prescott, City of 10/1/91 05/1/11 7 15 5 C 
040090 Santa Cruz County 10/1/03 05/1/08 7 15 5 C 
045012 Scottsdale, City of 10/1/91 10/1/07 6 20 10 C 
040130 Sedona, City of 10/1/91 05/1/11 8 10 5 C 
040069 Show Low, City of 10/1/91 05/1/10 8 10 5 C 
040054 Tempe, City of 10/1/91 05/1/02 8 10 5 C
TABLE 2. COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES (continued) 
CRS 4 October 1, 2011 
1 For the purpose of determining CRS discounts, all AR and A99 Zones are treated as non-SFHAs. 
2 Status: C = Current, R = Rescinded 
COMMUNITY 
Num ber COMMUNITY NAME 
CRS 
ENTRY Dat e 
CURRE NT 
EFFECTIVE DATE 
CURRE NT 
CLASS 
% DISCOUNT 
FOR SFHA1 
% DISCOUNT 
FOR NON-SFHA STATUS2 
Arizona (continued) 
040076 Tucson, City of 10/1/91 10/1/07 6 20 10 C 
040056 Wickenburg, Town of 10/1/92 10/1/07 10 0 0 R 
040031 Winkelman, Town of 10/1/91 10/1/95 10 0 0 R 
040093 Yavapai County 10/1/91 10/1/07 7 15 5 C 
Arkansas 
050029 Arkadelphia, City of 10/1/91 10/1/05 8 10 5 C 
050192 Benton, City of 10/1/93 10/1/93 9 5 5 C 
050419 Benton County 05/1/05 05/1/05 8 10 5 C 
050012 Bentonville, City of 10/1/92 10/1/02 8 10 5 C 
050140 Blytheville, City of 10/1/95 10/1/95 9 5 5 C 
050046 Bono, City of 10/1/92 05/1/02 8 10 5 C 
050308 Bryant, City of 10/1/92 10/1/92 9 5 5 C 
050433 Garland County 10/1/93 10/1/93 9 5 5 C 
050168 Helena, City of 10/1/93 10/1/99 10 0 0 R 
050084 Hot Springs, City of 10/1/93 10/1/06 8 10 5 C 
050180 Jacksonville, City of 10/1/94 10/1/04 8 10 5 C 
050048 Jonesboro, City of 10/1/92 10/1/92 9 5 5 C 
050181 Little Rock, City of 10/1/91 10/1/11 7 15 5 C 
050088 Malvern, City of 10/1/91 10/1/96 10 0 0 R 
050109 Pine Bluff, City of 10/1/94 10/1/95 10 0 0 R 
050053 Van Buren, City of 05/1/09 05/1/09 9 5 5 C 
050055 West Memphis, City of 10/1/92 10/1/02 8 10 5 C 
California 
060001 Alameda County 10/1/92 10/1/99 7 15 5 C 
060213 Anaheim, City of 10/1/91 05/1/07 8 10 5 C 
060714 Clearlake, City of 05/1/03 10/1/08 10 0 0 R 
065022 Concord, City of 10/1/08 10/1/08 8 10 5 C 
060025 Contra Costa County 10/1/91 04/1/01 6 20 10 C 
065023 Corte Madera, Town of 10/1/03 10/1/09 7 15 5 C 
060339 Cupertino, City of 10/1/05 10/1/05 8 10 5 C 
060708 East Palo Alto, City of 10/1/11 10/1/11 8 10 5 C 
060370 Fairfield, City of 10/1/92 05/1/09 7 15 5 C 
060218 Fountain Valley, City of 10/1/96 04/1/98 8 10 5 C 
065028 Fremont, City of 04/1/01 04/1/01 7 15 5 C 
060048 Fresno, City of 10/1/92 10/1/07 8 10 5 C 
065029 Fresno County 10/1/91 10/1/11 6 20 10 C 
060340 Gilroy, City of 05/1/07 05/1/07 8 10 5 C 
065034 Huntington Beach, City of 10/1/95 10/1/00 7 15 5 C 
060222 Irvine, City of 10/1/91 05/1/02 8 10 5 C 
060075 Kern County 10/1/91 05/1/08 8 10 5 C 
060090 Lake County 10/1/95 10/1/10 7 15 5 C 
060636 Lake Elsinore, City of 10/1/09 10/1/09 9 5 5 C 
060738 Lathrop, City of 10/1/08 10/1/08 8 10 5 C 
060395 Live Oak, City of 10/1/11 10/1/11 9 5 5 C 
060136 Long Beach, City of 10/1/93 05/1/08 7 15 5 C 
060341 Los Altos, City of 10/1/91 10/1/96 8 10 5 C 
060137 Los Angeles, City of 10/1/91 10/1/05 7 15 5 C 
065043 Los Angeles County 10/1/91 05/1/11 7 15 5 C 
060706 Manteca, City of 05/1/09 05/1/09 9 5 5 C 
060344 Milpitas, City of 10/1/91 05/1/07 6 20 10 C
TABLE 2. COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES (continued) 
CRS 6 October 1, 2011 
1 For the purpose of determining CRS discounts, all AR and A99 Zones are treated as non-SFHAs. 
2 Status: C = Current, R = Rescinded 
COMMUNITY 
Num ber COMMUNITY NAME 
CRS 
ENTRY Dat e 
CURRE NT 
EFFECTIVE DATE 
CURRE NT 
CLASS 
% DISCOUNT 
FOR SFHA1 
% DISCOUNT 
FOR NON-SFHA STATUS2 
California (continued) 
065070 Walnut Creek, City of 10/1/91 05/1/11 8 10 5 C 
060357 Watsonville, City of 10/1/92 10/1/02 7 15 5 C 
060728 West Sacramento, City of 10/1/11 10/1/11 8 10 5 C 
060238 Yorba Linda, City of 10/1/93 10/1/04 10 0 0 R 
060423 Yolo County 10/1/10 10/1/10 8 10 5 C 
060396 Yuba City, City of 10/1/07 10/1/11 6 20 10 C 
060427 Yuba County 10/1/03 05/1/09 7 15 5 C 
060739 Yucaipa, City of 10/1/11 10/1/11 9 5 5 C 
Colorado 
080001 Adams County 10/1/93 10/1/03 10 0 0 R 
080010 Alamosa, City of 10/1/91 10/1/91 9 5 5 C 
080009 Alamosa County 10/1/96 10/1/11 10 0 0 R 
080011 Arapahoe County 10/1/91 10/1/92 8 10 5 C 
080273 Archuleta County 10/1/92 10/1/98 10 0 0 R 
085072 Arvada, City of 10/1/91 05/1/10 5 25 10 C 
080002 Aurora, City of 10/1/92 05/1/08 8 10 5 C 
080024 Boulder, City of 10/1/92 10/1/08 7 15 5 C 
080023 Boulder County 10/1/91 10/1/06 7 15 5 C 
080130 Brush, City of 10/1/94 10/1/94 9 5 5 C 
080068 Canon City, City of 10/1/92 05/1/08 9 5 5 C 
080315 Centennial, City of 05/1/10 05/1/10 8 10 5 C 
080013 Cherry Hills Village, City of 10/1/96 10/1/01 8 10 5 C 
080060 Colorado Springs, City of 10/1/92 10/1/10 7 15 5 C 
080043 Delta, City of 10/1/96 10/1/00 7 15 5 C 
080046 Denver, City and County of 10/1/96 05/1/06 8 10 5 C 
080049 Douglas County 10/1/96 10/1/10 8 10 5 C 
080099 Durango, City of 10/1/92 10/1/92 9 5 5 C 
080051 Eagle County 10/1/08 10/1/08 8 10 5 C 
080059 El Paso County 10/1/92 10/1/10 7 15 5 C 
085074 Englewood, City of 10/1/95 10/1/11 7 15 5 C 
080102 Fort Collins, City of 10/1/91 10/1/01 4 30 10 C 
080061 Fountain, City of 10/1/92 10/1/10 7 15 5 C 
080067 Fremont County 10/1/93 05/1/08 9 5 5 C 
080245 Frisco, Town of 10/1/93 10/1/98 8 10 5 C 
080090 Golden, City of 10/1/96 05/1/11 7 15 5 C 
080062 Green Mountain Falls, Town of 10/1/03 10/1/10 7 15 5 C 
080080 Gunnison, City of 10/1/95 10/1/95 9 5 5 C 
080078 Gunnison County 10/1/94 10/1/09 8 10 5 C 
080087 Jefferson County 10/1/05 10/1/10 6 20 10 C 
085075 Lakewood, City of 10/1/91 10/1/05 6 20 10 C 
080101 Larimer County 10/1/92 10/1/97 10 0 0 R 
080017 Littleton, City of 10/1/92 10/1/97 7 15 5 C 
080027 Longmont, City of 10/1/92 10/1/97 8 10 5 C 
085076 Louisville, City of 10/1/91 10/1/05 8 10 5 C 
080103 Loveland, City of 10/1/10 10/1/10 7 15 5 C 
080063 Manitou Springs, City of 10/1/92 10/1/10 7 15 5 C 
080115 Mesa County 05/1/06 05/1/06 9 5 5 C 
080064 Monument, Town of 10/1/03 10/1/10 7 15 5 C 
080092 Morrison, Town of 10/1/96 10/1/96 9 5 5 C 
080065 Palmer Lake, Town of 10/1/03 10/1/10 7 15 5 C 
080310 Parker, Town of 10/1/92 05/1/07 6 20 10 C
TABLE 2. COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES (continued) 
CRS 7 October 1, 2011 
1 For the purpose of determining CRS discounts, all AR and A99 Zones are treated as non-SFHAs. 
2 Status: C = Current, R = Rescinded 
COMMUNITY 
Num ber COMMUNITY NAME 
CRS 
ENTRY Dat e 
CURRE NT 
EFFECTIVE DATE 
CURRE NT 
CLASS 
% DISCOUNT 
FOR SFHA1 
% DISCOUNT 
FOR NON-SFHA STATUS2 
Colorado (continued) 
080287 Pitkin County 10/1/92 10/1/97 8 10 5 C 
080153 Rio Grande County 10/1/92 10/1/97 10 0 0 R 
080018 Sheridan, City of 10/1/93 10/1/03 10 0 0 R 
080201 Silverthorne, Town of 10/1/96 10/1/96 9 5 5 C 
080159 Steamboat Springs, Town of 10/1/93 05/1/10 8 10 5 C 
080168 Telluride, Town of 10/1/94 10/1/05 8 10 5 C 
080007 Thornton, City of 10/1/94 10/1/06 7 15 5 C 
080054 Vail, Town of 10/1/91 10/1/01 7 15 5 C 
080008 Westminster, City of 10/1/91 10/1/11 8 10 5 C 
085079 Wheat Ridge, City of 10/1/91 10/1/11 6 20 10 C 
Connecticut 
090074 Cheshire, Town of 10/1/93 10/1/03 10 0 0 R 
090076 East Haven, Town of 10/1/03 10/1/10 10 0 0 R 
090096 East Lyme, Town of 10/1/91 10/1/91 9 5 5 C 
090078 Hamden, Town of 10/1/93 10/1/06 10 0 0 R 
090011 Newtown, Town of 10/1/91 10/1/91 9 5 5 C 
090012 Norwalk, City of 10/1/93 10/1/98 10 0 0 R 
090015 Stamford, City of 10/1/02 10/1/02 7 15 5 C 
090193 Stonington, Borough of 10/1/04 10/1/04 9 5 5 C 
090106 Stonington, Town of 05/1/04 05/1/04 9 5 5 C 
095082 West Hartford, Town of 10/1/91 10/1/07 8 10 5 C 
090070 Westbrook, Town of 05/1/05 05/1/11 10 0 0 R 
090019 Westport, Town of 10/1/95 10/1/00 8 10 5 C 
Delaware 
105083 Bethany Beach, Town of 05/1/09 05/1/09 8 10 5 C 
100056 Dewey Beach, Town of 10/1/94 10/1/99 8 10 5 C 
105084 Fenwick Island, Town of 10/1/94 10/1/04 8 10 5 C 
100041 Lewes, City of 10/1/92 10/1/92 9 5 5 C 
100026 New Castle, City of 10/1/94 10/1/99 8 10 5 C 
100025 Newark, City of 10/1/92 10/1/01 7 15 5 C 
105086 Rehoboth Beach, City of 10/1/94 10/1/95 8 10 5 C 
100048 Seaford, City of 10/1/96 10/1/96 9 5 5 C 
100051 South Bethany, Town of 10/1/07 10/1/07 8 10 5 C 
Florida 
120001 Alachua County 10/1/95 10/1/06 7 15 5 C 
120290 Altamonte Springs, City of 10/1/94 10/1/96 8 10 5 C 
125087 Anna Maria, City of 10/1/91 10/1/07 5 25 10 C 
120180 Apopka, City of 10/1/93 10/1/07 7 15 5 C 
120075 Atlantic Beach, City of 10/1/05 05/1/10 7 15 5 C 
120193 Atlantis, City of 10/1/92 05/1/08 8 10 5 C 
120676 Aventura, City of 10/1/00 05/1/05 7 15 5 C 
120419 Baker County 10/1/01 10/1/01 8 10 5 C 
120636 Bal Harbour, Village of 10/1/96 10/1/97 8 10 5 C 
120004 Bay County 10/1/93 10/1/08 5 25 10 C 
120637 Bay Harbor Islands, Town of 10/1/94 10/1/99 7 15 5 C 
125089 Belleair Beach, City of 10/1/92 10/1/01 7 15 5 C 
120195 Boca Raton, City of 10/1/92 05/1/08 8 10 5 C 
120680 Bonita Springs, City of 05/1/06 10/1/11 6 20 10 C 
120196 Boynton Beach, City of 10/1/91 10/1/10 7 15 5 C
TABLE 2. COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES (continued) 
CRS 8 October 1, 2011 
1 For the purpose of determining CRS discounts, all AR and A99 Zones are treated as non-SFHAs. 
2 Status: C = Current, R = Rescinded 
COMMUNITY 
Num ber COMMUNITY NAME 
CRS 
ENTRY Dat e 
CURRE NT 
EFFECTIVE DATE 
CURRE NT 
CLASS 
% DISCOUNT 
FOR SFHA1 
% DISCOUNT 
FOR NON-SFHA STATUS2 
Florida (continued) 
120155 Bradenton, City of 10/1/91 05/1/11 6 20 10 C 
125091 Bradenton Beach, City of 10/1/91 05/1/08 6 20 10 C 
125092 Brevard County 10/1/91 10/1/06 7 15 5 C 
125093 Broward County 10/1/92 10/1/96 8 10 5 C 
120005 Callaway, City of 10/1/93 05/1/08 8 10 5 C 
125094 Cape Canaveral, City of 10/1/93 05/1/08 8 10 5 C 
125095 Cape Coral, City of 10/1/91 05/1/10 5 25 10 C 
120090 Carrabelle, City of 10/1/93 10/1/93 9 5 5 C 
120061 Charlotte County 10/1/92 05/1/04 5 25 10 C 
120063 Citrus County 10/1/01 10/1/11 6 20 10 C 
120064 Clay County 10/1/96 10/1/05 7 15 5 C 
125096 Clearwater, City of 10/1/91 10/1/00 7 15 5 C 
120198 Cloud Lake, Town of 10/1/94 10/1/10 7 15 5 C 
120020 Cocoa, City of 10/1/94 10/1/04 10 0 0 R 
125097 Cocoa Beach, City of 10/1/94 10/1/04 10 0 0 R 
120031 Coconut Creek, City of 10/1/92 10/1/01 7 15 5 C 
120067 Collier County 10/1/92 05/1/10 6 20 10 C 
120070 Columbia County 10/1/96 10/1/05 8 10 5 C 
120032 Cooper City, City of 10/1/92 05/1/09 7 15 5 C 
120639 Coral Gables, City of 10/1/93 10/1/98 8 10 5 C 
120033 Coral Springs, City of 10/1/92 10/1/94 8 10 5 C 
120218 Cutler Bay, Town of 05/1/11 05/1/11 6 20 10 C 
120034 Dania Beach, City of 10/1/93 10/1/93 9 5 5 C 
120035 Davie, Town of 10/1/94 10/1/05 7 15 5 C 
125099 Daytona Beach, City of 10/1/94 10/1/08 6 20 10 C 
125100 Daytona Beach Shores, City of 10/1/92 05/1/07 7 15 5 C 
125101 Deerfield Beach, City of 10/1/92 05/1/11 7 15 5 C 
125102 Delray Beach, City of 10/1/94 10/1/94 9 5 5 C 
125158 Destin, City of 10/1/94 05/1/10 6 20 10 C 
120041 Doral, City of 05/1/09 05/1/09 8 10 5 C 
125103 Dunedin, City of 10/1/92 10/1/11 6 20 10 C 
120308 Edgewater, City of 10/1/92 10/1/97 8 10 5 C 
120080 Escambia County 10/1/91 05/1/11 6 20 10 C 
120146 Fanning Springs, Town of 10/1/93 10/1/08 8 10 5 C 
120120 Fellsmere, City of 10/1/99 10/1/04 9 5 5 C 
120172 Fernandina Beach, City of 10/1/92 10/1/02 7 15 5 C 
120087 Flagler Beach, City of 10/1/95 10/1/00 7 15 5 C 
125105 Fort Lauderdale, City of 10/1/92 05/1/08 7 15 5 C 
125106 Fort Myers, City of 10/1/93 10/1/98 8 10 5 C 
120673 Fort Myers Beach, Town of 10/1/99 10/1/99 7 15 5 C 
120286 Fort Pierce, City of 10/1/92 10/1/01 8 10 5 C 
120174 Fort Walton Beach, City of 10/1/92 10/1/02 7 15 5 C 
120088 Franklin County 10/1/93 10/1/02 8 10 5 C 
125107 Gainesville, City of 10/1/92 10/1/06 7 15 5 C 
120200 Glen Ridge, Town of 10/1/94 10/1/06 10 0 0 R 
120642 Golden Beach, Town of 10/1/93 10/1/02 10 0 0 R 
120275 Gulf Breeze, City of 10/1/93 05/1/08 8 10 5 C 
120098 Gulf County 10/1/93 05/1/07 8 10 5 C 
125109 Gulf Stream, Town of 10/1/99 05/1/09 7 15 5 C 
125108 Gulfport, City of 10/1/93 10/1/03 7 15 5 C 
125110 Hallandale Beach, City of 10/1/94 10/1/08 6 20 10 C
TABLE 2. COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES (continued) 
CRS 9 October 1, 2011 
1 For the purpose of determining CRS discounts, all AR and A99 Zones are treated as non-SFHAs. 
2 Status: C = Current, R = Rescinded 
COMMUNITY 
Num ber COMMUNITY NAME 
CRS 
ENTRY Dat e 
CURRE NT 
EFFECTIVE DATE 
CURRE NT 
CLASS 
% DISCOUNT 
FOR SFHA1 
% DISCOUNT 
FOR NON-SFHA STATUS2 
Florida (continued) 
120103 Hardee County 10/1/96 05/1/04 10 0 0 R 
120107 Hendry County 10/1/00 10/1/00 8 10 5 C 
120110 Hernando County 10/1/92 10/1/10 6 20 10 C 
120643 Hialeah, City of 10/1/93 05/1/08 7 15 5 C 
125111 Highland Beach, Town of 10/1/93 10/1/93 9 5 5 C 
120111 Highlands County 10/1/94 10/1/04 8 10 5 C 
120040 Hillsboro Beach, Town of 10/1/94 10/1/09 8 10 5 C 
120112 Hillsborough County 10/1/92 10/1/07 5 25 10 C 
125112 Holly Hill, City of 10/1/94 10/1/09 8 10 5 C 
125113 Hollywood, City of 10/1/92 10/1/07 7 15 5 C 
125114 Holmes Beach, City of 10/1/91 05/1/11 6 20 10 C 
120645 Homestead, City of 05/1/06 05/1/06 8 10 5 C 
120207 Hypoluxo, Town of 10/1/94 10/1/96 8 10 5 C 
120119 Indian River County 10/1/92 10/1/07 6 20 10 C 
120121 Indian River Shores, Town of 10/1/94 10/1/09 7 15 5 C 
125117 Indian Rocks Beach, City of 10/1/92 10/1/11 7 15 5 C 
125118 Indian Shores, Town of 10/1/93 10/1/05 6 20 10 C 
120125 Jackson County 10/1/02 05/1/07 8 10 5 C 
120077 Jacksonville, City of 10/1/91 05/1/10 6 20 10 C 
120078 Jacksonville Beach, City of 10/1/92 10/1/02 8 10 5 C 
120331 Jefferson County 10/1/96 10/1/11 8 10 5 C 
120208 Juno Beach, Town of 10/1/93 10/1/07 5 25 10 C 
125119 Jupiter, Town of 10/1/94 10/1/11 6 20 10 C 
120162 Jupiter Island, Town of 10/1/95 10/1/00 8 10 5 C 
120245 Kenneth City, Town of 10/1/92 05/1/06 8 10 5 C 
120648 Key Biscayne, Village of 04/1/98 10/1/07 7 15 5 C 
125121 Key Colony Beach, City of 10/1/92 05/1/08 8 10 5 C 
120168 Key West, City of 10/1/92 10/1/99 10 0 0 R 
120190 Kissimmee, City of 10/1/96 05/1/10 7 15 5 C 
120211 Lake Clarke Shores, Town of 10/1/94 10/1/09 8 10 5 C 
120421 Lake County 10/1/94 05/1/09 7 15 5 C 
120416 Lake Mary, City of 10/1/09 10/1/09 8 10 5 C 
120212 Lake Park, Town of 10/1/92 05/1/10 8 10 5 C 
120213 Lake Worth, City of 10/1/96 10/1/10 8 10 5 C 
120267 Lakeland, City of 10/1/04 10/1/09 7 15 5 C 
120214 Lantana, Town of 10/1/94 10/1/94 9 5 5 C 
125122 Largo, City of 10/1/92 10/1/08 6 20 10 C 
125123 Lauderdale by the Sea, Town of 04/1/00 10/1/10 7 15 5 C 
120044 Lauderhill, City of 10/1/92 05/1/08 9 5 5 C 
120169 Layton, City of 10/1/01 05/1/08 8 10 5 C 
125124 Lee County 10/1/91 10/1/07 5 25 10 C 
120145 Levy County 10/1/94 10/1/09 7 15 5 C 
125125 Lighthouse Point, City of 10/1/93 05/1/09 7 15 5 C 
125126 Longboat Key, Town of 10/1/91 10/1/05 6 20 10 C 
120292 Longwood, City of 10/1/96 10/1/10 10 0 0 R 
120009 Lynn Haven, City of 10/1/92 05/1/07 8 10 5 C 
125127 Madeira Beach, City of 10/1/92 05/1/11 6 20 10 C 
120149 Madison County 10/1/94 10/1/00 8 10 5 C 
120215 Manalapan, Town of 10/1/92 05/1/08 9 5 5 C 
120153 Manatee County 10/1/91 10/1/10 5 25 10 C 
120216 Mangonia Park, Town of 10/1/94 10/1/10 8 10 5 C

TABLE 2. COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES (continued) 
CRS 10 October 1, 2011 
1 For the purpose of determining CRS discounts, all AR and A99 Zones are treated as non-SFHAs. 
2 Status: C = Current, R = Rescinded 
COMMUNITY 
Num ber COMMUNITY NAME 
CRS 
ENTRY Dat e 
CURRE NT 
EFFECTIVE DATE 
CURRE NT 
CLASS 
% DISCOUNT 
FOR SFHA1 
% DISCOUNT 
FOR NON-SFHA STATUS2 
Florida (continued) 
120426 Marco Island, City of 10/1/00 10/1/05 6 20 10 C 
120047 Margate, City of 10/1/92 05/1/11 7 15 5 C 
120160 Marion County 10/1/94 10/1/09 7 15 5 C 
120161 Martin County 10/1/92 10/1/00 7 15 5 C 
120337 Mary Esther, City of 10/1/07 10/1/07 8 10 5 C 
120025 Melbourne, City of 10/1/93 05/1/08 8 10 5 C 
120650 Miami, City of 10/1/94 05/1/10 7 15 5 C 
120635 Miami-Dade County 10/1/94 10/1/03 5 25 10 C 
120651 Miami Beach, City of 10/1/96 10/1/01 7 15 5 C 
120345 Miami Gardens, City of 05/1/09 05/1/10 6 20 10 C 
120686 Miami Lakes, Town of 10/1/06 10/1/11 5 25 10 C 
120652 Miami Shores Village, Village of 10/1/00 10/1/00 8 10 5 C 
120276 Milton, City of 10/1/07 10/1/07 8 10 5 C 
120048 Miramar, City of 10/1/93 10/1/94 8 10 5 C 
125129 Monroe County 10/1/91 05/1/97 10 0 0 R 
125130 Naples, City of 10/1/92 10/1/02 6 20 10 C 
120079 Neptune Beach, City of 10/1/94 10/1/04 8 10 5 C 
120232 New Port Richey, City of 10/1/93 10/1/07 7 15 5 C 
125132 New Smyrna Beach, City of 10/1/91 10/1/00 7 15 5 C 
120338 Niceville, City of 10/1/93 10/1/09 7 15 5 C 
120049 North Lauderdale, City of 10/1/93 10/1/93 9 5 5 C 
120655 North Miami, City of 10/1/94 10/1/01 5 25 10 C 
120656 North Miami Beach, City of 10/1/93 05/1/11 7 15 5 C 
120217 North Palm Beach, Village of 10/1/94 05/1/09 7 15 5 C 
120279 North Port, City of 10/1/92 05/1/07 7 15 5 C 
125133 North Redington Beach, Town of 10/1/92 05/1/08 8 10 5 C 
120050 Oakland Park, City of 10/1/94 10/1/09 7 15 5 C 
120330 Ocala, City of 10/1/91 10/1/01 8 10 5 C 
125134 Ocean Ridge, Town of 10/1/92 05/1/09 7 15 5 C 
120173 Okaloosa County 10/1/95 10/1/10 5 25 10 C 
120177 Okeechobee County 10/1/96 10/1/00 8 10 5 C 
120250 Oldsmar, City of 10/1/92 05/1/06 6 20 10 C 
120179 Orange County 10/1/91 05/1/08 5 25 10 C 
120186 Orlando, City of 10/1/93 05/1/08 6 20 10 C 
125136 Ormond Beach, City of 10/1/92 05/1/07 7 15 5 C 
120189 Osceola County 10/1/94 10/1/03 7 15 5 C 
120293 Oviedo, City of 10/1/08 10/1/08 8 10 5 C 
120404 Palm Bay, City of 10/1/93 10/1/07 7 15 5 C 
120220 Palm Beach, Town of 10/1/92 05/1/08 7 15 5 C 
120192 Palm Beach County 10/1/91 10/1/11 5 25 10 C 
120221 Palm Beach Gardens, City of 10/1/03 05/1/08 7 15 5 C 
125137 Palm Beach Shores, Town of 10/1/94 10/1/94 9 5 5 C 
120684 Palm Coast, City of 05/1/04 05/1/09 6 20 10 C 
120223 Palm Springs, Village of 10/1/92 05/1/08 8 10 5 C 
120159 Palmetto, City of 10/1/91 10/1/93 8 10 5 C 
120012 Panama City, City of 10/1/93 10/1/02 7 15 5 C 
120011 Parker, City of 10/1/94 05/1/08 8 10 5 C 
120230 Pasco County 10/1/92 10/1/07 7 15 5 C 
120053 Pembroke Pines, City of 10/1/94 10/1/98 7 15 5 C 
120082 Pensacola, City of 10/1/02 10/1/11 8 10 5 C 
125138 Pensacola Beach–Santa Rosa 
Island Authority 
10/1/91 10/1/11 7 15 5 C
TABLE 2. COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES (continued) 
CRS 11 October 1, 2011 
1 For the purpose of determining CRS discounts, all AR and A99 Zones are treated as non-SFHAs. 
2 Status: C = Current, R = Rescinded 
COMMUNITY 
Num ber COMMUNITY NAME 
CRS 
ENTRY Dat e 
CURRE NT 
EFFECTIVE DATE 
CURRE NT 
CLASS 
% DISCOUNT 
FOR SFHA1 
% DISCOUNT 
FOR NON-SFHA STATUS2 
Florida (continued) 
125139 Pinellas County 10/1/93 10/1/10 7 15 5 C 
120251 Pinellas Park, City of 10/1/91 05/1/09 6 20 10 C 
120054 Plantation, City of 10/1/92 10/1/02 7 15 5 C 
120261 Polk County 10/1/92 10/1/11 6 20 10 C 
120055 Pompano Beach, City of 10/1/93 10/1/94 8 10 5 C 
120312 Ponce Inlet, Town of 05/1/04 05/1/09 6 20 10 C 
120313 Port Orange, City of 10/1/92 05/1/03 7 15 5 C 
120234 Port Richey, City of 10/1/92 10/1/07 7 15 5 C 
120099 Port St. Joe, City of 10/1/94 10/1/09 10 0 0 R 
120287 Port St. Lucie, City of 10/1/91 10/1/96 8 10 5 C 
120062 Punta Gorda, City of 10/1/92 10/1/02 6 20 10 C 
125140 Redington Beach, Town of 10/1/93 05/1/08 8 10 5 C 
125141 Redington Shores, Town of 10/1/92 05/1/11 7 15 5 C 
120027 Rockledge, City of 10/1/91 10/1/96 8 10 5 C 
125143 Safety Harbor, City of 10/1/92 10/1/96 8 10 5 C 
120402 Sanibel, City of 10/1/91 10/1/96 5 25 10 C 
120274 Santa Rosa County 10/1/93 10/1/11 5 25 10 C 
125150 Sarasota, City of 10/1/91 10/1/10 6 20 10 C 
125144 Sarasota County 10/1/92 05/1/07 5 25 10 C 
120028 Satellite Beach, City of 10/1/92 10/1/92 9 5 5 C 
120123 Sebastian, City of 10/1/92 10/1/10 7 15 5 C 
120289 Seminole County 10/1/91 05/1/11 6 20 10 C 
120164 Sewall’s Point, Town of 10/1/96 05/1/10 7 15 5 C 
120579 Shalimar, Town of 10/1/95 10/1/00 8 10 5 C 
120314 South Daytona, City of 10/1/92 10/1/02 7 15 5 C 
120658 South Miami, City of 10/1/93 10/1/95 8 10 5 C 
120227 South Palm Beach, Town of 10/1/93 10/1/08 8 10 5 C 
125151 South Pasadena, City of 10/1/92 10/1/98 8 10 5 C 
125145 St. Augustine, City of 10/1/92 10/1/11 7 15 5 C 
125146 St. Augustine Beach, City of 10/1/93 05/1/08 8 10 5 C 
120191 St. Cloud, City of 10/1/93 05/1/08 8 10 5 C 
125147 St. Johns County 10/1/95 05/1/07 6 20 10 C 
120285 St. Lucie County 10/1/94 05/1/09 6 20 10 C 
120316 St. Marks, Town of 10/1/93 10/1/08 8 10 5 C 
125149 St. Pete Beach, City of 10/1/91 10/1/92 8 10 5 C 
125148 St. Petersburg, City of 10/1/92 10/1/09 6 20 10 C 
120296 Sumter County 10/1/95 05/1/10 7 15 5 C 
120688 Sunny Isles Beach, City of 10/1/07 10/1/07 8 10 5 C 
120328 Sunrise, City of 10/1/92 10/1/02 7 15 5 C 
120659 Surfside, Town of 10/1/93 10/1/08 10 0 0 R 
120300 Suwannee County 10/1/96 10/1/00 8 10 5 C 
120144 Tallahassee, City of 10/1/94 10/1/06 6 20 10 C 
120058 Tamarac, City of 10/1/92 10/1/11 6 20 10 C 
120114 Tampa, City of 10/1/91 05/1/09 6 20 10 C 
120259 Tarpon Springs, City of 10/1/92 10/1/93 8 10 5 C 
120302 Taylor County 10/1/96 10/1/11 7 15 5 C 
120115 Temple Terrace, City of 10/1/93 10/1/03 8 10 5 C 
120228 Tequesta, Village of 10/1/92 05/1/09 8 10 5 C 
125152 Titusville, City of 10/1/92 05/1/11 7 15 5 C 
125153 Treasure Island, City of 10/1/92 10/1/99 7 15 5 C 
125154 Venice, City of 10/1/91 10/1/05 6 20 10 C
TABLE 2. COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES (continued) 
CRS 12 October 1, 2011 
1 For the purpose of determining CRS discounts, all AR and A99 Zones are treated as non-SFHAs. 
2 Status: C = Current, R = Rescinded 
COMMUNITY 
Num ber COMMUNITY NAME 
CRS 
ENTRY Dat e 
CURRE NT 
EFFECTIVE DATE 
CURRE NT 
CLASS 
% DISCOUNT 
FOR SFHA1 
% DISCOUNT 
FOR NON-SFHA STATUS2 
Florida (continued) 
120124 Vero Beach, City of 10/1/93 05/1/09 7 15 5 C 
125155 Volusia County 10/1/93 10/1/08 6 20 10 C 
120315 Wakulla County 10/1/93 10/1/08 7 15 5 C 
125157 Wellington, Village of 10/1/03 10/1/08 7 15 5 C 
120229 West Palm Beach, City of 10/1/92 10/1/06 6 20 10 C 
120678 Weston, City of 05/1/09 05/1/09 8 10 5 C 
120295 Winter Springs, City of 10/1/93 05/1/08 7 15 5 C 
120147 Yankeetown, Town of 10/1/94 10/1/08 6 20 10 C 
Georgia 
130075 Albany, City of 10/1/94 05/1/10 8 10 5 C 
130093 Brunswick, City of 10/1/93 10/1/93 9 5 5 C 
130209 Cartersville, City of 05/1/05 05/1/05 9 5 5 C 
130030 Chatham County 10/1/91 10/1/09 6 20 10 C 
130424 Cherokee County 05/1/05 05/1/05 8 10 5 C 
130052 Cobb County 10/1/91 10/1/97 8 10 5 C 
130086 College Park, City of 10/1/92 10/1/02 6 20 10 C 
130059 Columbia County 04/1/99 05/1/10 7 15 5 C 
135158 Columbus, City of 10/1/91 10/1/93 8 10 5 C 
130144 Covington, City of 10/1/93 10/1/93 9 5 5 C 
130504 Crisp County 05/1/05 05/1/05 9 5 5 C 
135159 Decatur, City of 10/1/93 05/1/10 6 20 10 C 
130065 Dekalb County 10/1/92 10/1/08 7 15 5 C 
130074 Dougherty County 10/1/93 05/1/10 6 20 10 C 
130216 Douglas, City of 05/1/11 05/1/11 9 5 5 C 
130306 Douglas County 10/1/95 10/1/00 8 10 5 C 
130098 Duluth, City of 10/1/97 10/1/08 8 10 5 C 
130432 Fayette County 05/1/04 10/1/09 6 20 10 C 
130431 Fayetteville, City of 05/1/06 10/1/11 7 15 5 C 
135160 Fulton County 04/1/00 10/1/10 8 10 5 C 
130092 Glynn County 10/1/92 10/1/96 8 10 5 C 
130165 Griffin, City of 10/1/08 05/1/11 5 25 10 C 
130322 Gwinnett County 10/1/94 05/1/04 8 10 5 C 
130201 Jekyll Island, State Park Auth 10/1/93 05/1/06 6 20 10 C 
130147 Paulding County 10/1/91 10/1/96 10 0 0 R 
130078 Peachtree City, City of 10/1/93 10/1/03 7 15 5 C 
130261 Pooler, Town of 10/1/93 10/1/10 7 15 5 C 
130088 Roswell, City of 10/1/91 10/1/96 7 15 5 C 
135163 Savannah, City of 10/1/92 10/1/10 6 20 10 C 
130171 Tifton, City of 10/1/08 10/1/08 8 10 5 C 
135164 Tybee Island, City of 10/1/93 10/1/07 7 15 5 C 
130025 Waynesboro, City of 10/1/91 10/1/97 10 0 0 R 
130196 Worth County 05/1/03 05/1/03 9 5 5 C 
Hawaii 
155166 Hawaii County 05/1/11 05/1/11 8 10 5 C 
150003 Maui County 10/1/95 10/1/00 8 10 5 C 
Idaho 
160001 Ada County 10/1/94 10/1/99 7 15 5 C 
160009 Bannock County 10/1/94 10/1/99 8 10 5 C 
165167 Blaine County 10/1/94 10/1/99 8 10 5 C
TABLE 2. COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES (continued) 
CRS 13 October 1, 2011 
1 For the purpose of determining CRS discounts, all AR and A99 Zones are treated as non-SFHAs. 
2 Status: C = Current, R = Rescinded 
COMMUNITY 
Num ber COMMUNITY NAME 
CRS 
ENTRY Dat e 
CURRE NT 
EFFECTIVE DATE 
CURRE NT 
CLASS 
% DISCOUNT 
FOR SFHA1 
% DISCOUNT 
FOR NON-SFHA STATUS2 
Idaho (continued) 
160002 Boise, City of 10/1/91 04/1/01 6 20 10 C 
160206 Bonner County 10/1/05 05/1/11 8 10 5 C 
160209 Caribou County 05/1/06 05/1/06 9 5 5 C 
160003 Eagle, City of 04/1/00 04/1/00 6 20 10 C 
160212 Elmore County 10/1/94 10/1/09 9 5 5 C 
160004 Garden City, City of 10/1/98 10/1/08 9 5 5 C 
160127 Gem County 05/1/08 05/1/08 9 5 5 C 
160022 Hailey, City of 10/1/92 10/1/97 8 10 5 C 
160131 Kellogg, City of 10/1/92 10/1/07 9 5 5 C 
160023 Ketchum, City of 10/1/92 10/1/09 8 10 5 C 
160076 Kootenai County 10/1/92 10/1/08 10 0 0 R 
160090 Moscow, City of 10/1/94 10/1/09 7 15 5 C 
160058 Mountain Home, City of 10/1/94 10/1/99 8 10 5 C 
160101 Nez Perce County 10/1/01 10/1/11 9 5 5 C 
160012 Pocatello, City of 10/1/94 10/1/99 8 10 5 C 
160114 Shoshone County 10/1/94 10/1/09 8 10 5 C 
160024 Sun Valley, City of 10/1/94 10/1/99 8 10 5 C 
160120 Twin Falls, City of 10/1/94 05/1/09 8 10 5 C 
160220 Valley County 10/1/94 10/1/99 7 15 5 C 
Illinois 
170001 Adams County 10/1/96 10/1/01 8 10 5 C 
170198 Addison, Village of 10/1/91 10/1/97 7 15 5 C 
170059 Bartlett, Village of 10/1/91 05/1/04 7 15 5 C 
170072 Calumet City, City of 10/1/00 05/1/03 6 20 10 C 
170298 Carbondale, City of 10/1/02 10/1/08 10 0 0 R 
170322 Carpentersville, Village of 10/1/06 10/1/11 6 20 10 C 
170026 Champaign, City of 05/1/11 05/1/11 8 10 5 C 
170078 Country Club Hills, City of 10/1/93 10/1/94 8 10 5 C 
170361 Deerfield, Village of 10/1/95 05/1/08 6 20 10 C 
170182 DeKalb, City of 05/1/05 05/1/05 8 10 5 C 
170081 Des Plaines, City of 10/1/93 10/1/03 7 15 5 C 
170204 Downers Grove, Village of 10/1/91 05/1/11 7 15 5 C 
170091 Flossmoor, Village of 10/1/93 05/1/08 8 10 5 C 
170207 Glen Ellyn, Village of 10/1/11 10/1/11 8 10 5 C 
170206 Glendale Heights, Village of 10/1/94 05/1/09 6 20 10 C 
170096 Glenview, Village of 10/1/11 10/1/11 6 20 10 C 
170365 Gurnee, Village of 10/1/11 10/1/11 8 10 5 C 
170327 Hampshire, Village of 05/1/11 05/1/11 7 15 5 C 
170107 Hoffman Estates, Village of 10/1/92 10/1/02 7 15 5 C 
170312 Jersey County 05/1/09 10/1/10 6 20 10 C 
170357 Lake County 10/1/08 10/1/11 6 20 10 C 
170481 Lake in the Hills, Village of 05/1/08 10/1/11 6 20 10 C 
170400 LaSalle County 05/1/05 10/1/09 8 10 5 C 
170116 Lansing, Village of 10/1/93 10/1/01 7 15 5 C 
170378 Lincolnshire, Village of 10/1/93 10/1/03 5 25 10 C 
170211 Lisle, Village of 10/1/91 10/1/08 6 20 10 C 
170732 McHenry County 10/1/11 10/1/11 8 10 5 C 
170591 Moline, City of 10/1/10 10/1/10 8 10 5 C 
170129 Mount Prospect, Village of 10/1/91 10/1/02 7 15 5 C 
170213 Naperville, City of 10/1/91 10/1/97 10 0 0 R 
170822 North Utica, Village of 05/1/05 10/1/09 10 0 0 R
TABLE 2. COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES (continued) 
CRS 14 October 1, 2011 
1 For the purpose of determining CRS discounts, all AR and A99 Zones are treated as non-SFHAs. 
2 Status: C = Current, R = Rescinded 
COMMUNITY 
Num ber COMMUNITY NAME 
CRS 
ENTRY Dat e 
CURRE NT 
EFFECTIVE DATE 
CURRE NT 
CLASS 
% DISCOUNT 
FOR SFHA1 
% DISCOUNT 
FOR NON-SFHA STATUS2 
Illinois (continued) 
170132 Northbrook, Village of 10/1/94 05/1/04 7 15 5 C 
170214 Oak Brook, Village of 10/1/92 10/1/97 7 15 5 C 
170172 Orland Hills, Village of 10/1/96 10/1/02 5 25 10 C 
170405 Ottawa, City of 10/1/10 10/1/10 5 25 10 C 
175170 Palatine, Village of 10/1/94 05/1/04 7 15 5 C 
170533 Peoria County 10/1/92 05/1/09 5 25 10 C 
170919 Prospect Heights, City of 10/1/94 05/1/04 8 10 5 C 
170387 Riverwoods, Village of 05/1/07 05/1/07 8 10 5 C 
170582 Rock Island County 10/1/06 10/1/06 7 15 5 C 
170448 Roxana, Village of 10/1/11 10/1/11 8 10 5 C 
170912 Sangamon County 04/1/00 04/1/00 8 10 5 C 
170163 South Holland, Village of 10/1/92 10/1/02 5 25 10 C 
170330 St. Charles, City of 10/1/94 10/1/11 5 25 10 C 
170333 Sugar Grove, Village of 10/1/06 10/1/11 6 20 10 C 
170169 Tinley Park, City of 10/1/05 10/1/11 6 20 10 C 
170173 Wheeling, Village of 10/1/91 05/1/07 7 15 5 C 
170687 Whiteside County 10/1/07 10/1/07 8 10 5 C 
170222 Willowbrook, Village of 10/1/91 05/1/09 8 10 5 C 
170224 Wood Dale, City of 10/1/99 10/1/04 5 25 10 C 
170488 Woodstock, City of 05/1/11 05/1/11 7 15 5 C 
Indiana 
180302 Allen County 10/1/02 10/1/09 8 10 5 C 
180150 Anderson, City of 05/1/07 05/1/07 8 10 5 C 
180006 Bartholomew County 10/1/93 10/1/09 8 10 5 C 
180007 Columbus, City of 10/1/98 10/1/09 8 10 5 C 
180001 Decatur, City of 10/1/93 05/1/08 8 10 5 C 
180257 Evansville, City of 10/1/99 10/1/04 8 10 5 C 
180003 Fort Wayne, City of 10/1/91 05/1/07 8 10 5 C 
180080 Hamilton County 10/1/91 05/1/04 7 15 5 C 
180419 Hancock County 10/1/03 10/1/06 8 10 5 C 
180159 Indianapolis, City of 10/1/07 10/1/07 8 10 5 C 
180093 Kokomo, City of 10/1/95 10/1/96 8 10 5 C 
180121 Kosciusko, County of 10/1/97 05/1/08 9 5 5 C 
180382 Milford Junction, City of 10/1/97 05/1/08 8 10 5 C 
180082 Noblesville, City of 10/1/91 10/1/09 8 10 5 C 
180465 North Webster, City of 10/1/97 05/1/08 8 10 5 C 
180122 Syracuse, City of 10/1/97 05/1/08 8 10 5 C 
180256 Vanderburgh County 04/1/99 04/1/99 8 10 5 C 
180263 Vigo County 10/1/95 10/1/05 10 0 0 R 
Iowa 
190169 Coralville, City of 10/1/92 10/1/96 10 0 0 R 
190187 Cedar Rapids, City of 05/1/11 05/1/11 8 10 5 C 
190242 Davenport, City of 10/1/95 05/1/08 8 10 5 C 
190227 Des Moines, City of 10/1/91 05/1/08 7 15 5 C 
190171 Iowa City, City of 10/1/11 10/1/11 8 10 5 C 
Kansas 
200250 Carbondale, City of 10/1/92 10/1/96 10 0 0 R 
200095 Ellis, City of 10/1/07 10/1/07 9 5 5 C 
200096 Hayes, City of 10/1/92 10/1/03 10 0 0 R
TABLE 2. COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES (continued) 
CRS 15 October 1, 2011 
1 For the purpose of determining CRS discounts, all AR and A99 Zones are treated as non-SFHAs. 
2 Status: C = Current, R = Rescinded 
COMMUNITY 
Num ber COMMUNITY NAME 
CRS 
ENTRY Dat e 
CURRE NT 
EFFECTIVE DATE 
CURRE NT 
CLASS 
% DISCOUNT 
FOR SFHA1 
% DISCOUNT 
FOR NON-SFHA STATUS2 
Kansas (continued) 
200189 Lansing, City of 05/1/11 05/1/11 8 10 5 C 
200090 Lawrence, City of 10/1/04 10/1/04 8 10 5 C 
200168 Lenexa, City of 10/1/11 10/1/11 8 10 5 C 
200215 Lindsborg, City of 10/1/92 05/1/09 8 10 5 C 
200201 Lyon County 10/1/07 10/1/07 9 5 5 C 
200173 Olathe, City of 10/1/93 05/1/09 8 10 5 C 
200174 Overland Park, City of 10/1/09 10/1/09 8 10 5 C 
200298 Riley County 10/1/92 10/1/93 10 0 0 R 
200177 Shawnee, City of 10/1/91 10/1/01 8 10 5 C 
200331 Shawnee County 05/1/11 05/1/11 9 5 5 C 
205187 Topeka, City of 10/1/92 10/1/01 10 0 0 R 
Kentucky 
210017 Ashland, City of 10/1/92 10/1/97 10 0 0 R 
210010 Bell County 10/1/94 10/1/97 10 0 0 R 
210219 Bowling Green, City of 10/1/91 10/1/06 7 15 5 C 
210227 Corbin, City of 10/1/93 10/1/94 10 0 0 R 
210062 Daviess County 05/1/03 05/1/05 8 10 5 C 
210075 Frankfort, City of 10/1/92 05/1/10 8 10 5 C 
210280 Franklin County 10/1/93 10/1/97 10 0 0 R 
210051 Grayson, City of 10/1/92 10/1/92 9 5 5 C 
210055 Hopkinsville, City of 10/1/91 10/1/96 10 0 0 R 
210067 Lexington-Fayette Urban County 10/1/91 10/1/07 7 15 5 C 
210120 Louisville-Jefferson County 
Metro Government 
10/1/91 05/1/08 5 25 10 C 
210126 Nicholasville, City of 10/1/91 10/1/97 8 10 5 C 
210063 Owensboro, City of 05/1/03 05/1/05 8 10 5 C 
210127 Paintsville, City of 10/1/92 10/1/92 9 5 5 C 
210298 Pike County 10/1/95 10/1/95 9 5 5 C 
210193 Pikeville, City of 10/1/92 10/1/92 9 5 5 C 
210072 Prestonsburg, City of 10/1/92 10/1/09 10 0 0 R 
210366 Radcliff, City of 10/1/95 10/1/11 8 10 5 C 
210203 Rowan County 10/1/94 10/1/94 9 5 5 C 
210312 Warren County 10/1/91 10/1/11 8 10 5 C 
210097 West Point, City of 10/1/95 10/1/00 10 0 0 R 
Louisiana 
220013 Ascension Parish 10/1/92 05/1/08 8 10 5 C 
225193 Baker, City of 10/1/91 10/1/11 8 10 5 C 
220033 Bossier City, City of 10/1/92 05/1/08 8 10 5 C 
220361 Caddo Parish 10/1/95 10/1/07 8 10 5 C 
220037 Calcasieu Parish 10/1/91 10/1/07 8 10 5 C 
220103 Carencro, City of 05/1/09 05/1/10 8 10 5 C 
220200 Covington, City of 10/1/95 10/1/96 10 0 0 R 
220116 Denham Springs, City of 10/1/91 10/1/91 9 5 5 C 
220027 Deridder, City of 10/1/95 10/1/95 9 5 5 C 
220058 East Baton Rouge Parish 10/1/91 10/1/11 6 20 10 C 
220117 French Settlement, Village of 10/1/92 10/1/07 9 5 5 C 
220015 Gonzales, City of 10/1/92 05/1/08 9 5 5 C 
225198 Gretna, City of 10/1/00 05/1/11 8 10 5 C 
225200 Harahan, City of 10/1/08 10/1/08 8 10 5 C 
220220 Houma, City of 10/1/92 10/1/09 7 15 5 C
TABLE 2. COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES (continued) 
CRS 16 October 1, 2011 
1 For the purpose of determining CRS discounts, all AR and A99 Zones are treated as non-SFHAs. 
2 Status: C = Current, R = Rescinded 
COMMUNITY 
Num ber COMMUNITY NAME 
CRS 
ENTRY Dat e 
CURRE NT 
EFFECTIVE DATE 
CURRE NT 
CLASS 
% DISCOUNT 
FOR SFHA1 
% DISCOUNT 
FOR NON-SFHA STATUS2 
Louisiana (continued) 
225199 Jefferson Parish 10/1/92 05/1/10 6 20 10 C 
225201 Kenner, City of 10/1/92 05/1/09 7 15 5 C 
220105 Lafayette, City of 10/1/11 10/1/11 8 10 5 C 
220101 Lafayette Parish 10/1/11 10/1/11 8 10 5 C 
225202 Lafourche Parish 01/1/92 05/1/04 10 0 0 R 
220040 Lake Charles, City of 10/1/04 10/1/04 9 5 5 C 
220113 Livingston Parish 10/1/92 10/1/92 9 5 5 C 
220248 Lutcher, Town of 10/1/92 10/1/92 9 5 5 C 
220202 Mandeville, Town of 10/1/92 10/1/08 7 15 5 C 
220136 Monroe, City of 10/1/03 10/1/03 9 5 5 C 
220196 Morgan City, City of 10/1/91 05/1/06 8 10 5 C 
225203 New Orleans/Orleans Parish 10/1/91 10/1/01 8 10 5 C 
220135 Ouachita Parish 10/1/02 05/1/08 9 5 5 C 
220119 Port Vincent, Village of 10/1/92 10/1/97 10 0 0 R 
220008 Rayne, City of 10/1/91 10/1/91 9 5 5 C 
220347 Ruston, City of 10/1/92 10/1/92 9 5 5 C 
220036 Shreveport, City of 10/1/91 05/1/08 7 15 5 C 
220204 Slidell, City of 10/1/92 10/1/08 8 10 5 C 
220016 Sorrento, Town of 10/1/92 05/1/08 9 5 5 C 
220160 St. Charles Parish 10/1/91 10/1/07 8 10 5 C 
220261 St. James Parish 10/1/91 10/1/97 8 10 5 C 
220164 St. John The Baptist Parish 10/1/94 05/1/10 8 10 5 C 
225205 St. Tammany Parish 10/1/92 05/1/11 7 15 5 C 
220206 Tangipahoa Parish 10/1/96 10/1/96 9 5 5 C 
225206 Terrebonne Parish 10/1/92 10/1/11 6 20 10 C 
220121 Walker, Town of 10/1/92 05/1/08 9 5 5 C 
220239 West Baton Rouge Parish 10/1/93 10/1/96 8 10 5 C 
220094 Westwego, City of 10/1/07 10/1/07 8 10 5 C 
220061 Zachary, City of 10/1/92 10/1/07 8 10 5 C 
Maine 
230191 Alfred, Town of 10/1/91 10/1/93 8 10 5 C 
230208 Arrowsic, Town of 10/1/93 10/1/93 9 5 5 C 
230001 Auburn, City of 10/1/92 10/1/92 9 5 5 C 
230043 Cape Elizabeth, Town of 10/1/94 10/1/94 9 5 5 C 
230116 Dover-Foxcroft, Town of 10/1/07 10/1/07 9 5 5 C 
230057 Farmington, Town of 10/1/94 10/1/94 9 5 5 C 
230018 Fort Fairfield, Town of 10/1/02 10/1/02 8 10 5 C 
230209 Georgetown, Town of 10/1/01 10/1/08 10 0 0 R 
230069 Hallowell, City of 10/1/96 10/1/09 10 0 0 R 
230004 Lewiston, City of 10/1/93 05/1/97 8 10 5 C 
230178 Norridgewock, City of 10/1/97 10/1/07 10 0 0 R 
230632 Ogunquit, Town of 10/1/92 05/1/03 8 10 5 C 
230153 Old Orchard Beach, Town of 10/1/93 10/1/09 8 10 5 C 
230112 Old Town, City of 10/1/05 10/1/05 8 10 5 C 
230120 Phippsburg, Town of 10/1/93 10/1/08 10 0 0 R 
230051 Portland, City of 10/1/93 05/1/09 9 5 5 C 
230155 Saco, City of 10/1/92 10/1/99 8 10 5 C 
230128 Skowhegan, Town of 10/1/91 10/1/03 8 10 5 C 
230157 South Berwick, Town of 10/1/94 05/1/05 8 10 5 C
TABLE 2. COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES (continued) 
CRS 17 October 1, 2011 
1 For the purpose of determining CRS discounts, all AR and A99 Zones are treated as non-SFHAs. 
2 Status: C = Current, R = Rescinded 
COMMUNITY 
Num ber COMMUNITY NAME 
CRS 
ENTRY Dat e 
CURRE NT 
EFFECTIVE DATE 
CURRE NT 
CLASS 
% DISCOUNT 
FOR SFHA1 
% DISCOUNT 
FOR NON-SFHA STATUS2 
Maine (continued) 
230293 Southwest Harbor, Town of 10/1/96 10/1/02 9 5 5 C 
230158 Wells, Town of 10/1/91 10/1/11 10 0 0 R 
230159 York, Town of 10/1/01 10/1/01 8 10 5 C 
Maryland 
240042 Bel Air, Town of 10/1/93 10/1/03 8 10 5 C 
240011 Calvert County 10/1/91 10/1/96 10 0 0 R 
240130 Caroline County 10/1/96 10/1/96 9 5 5 C 
240015 Carroll County 10/1/07 10/1/07 8 10 5 C 
240040 Harford County 10/1/91 10/1/00 7 15 5 C 
240043 Havre de Grace, City of 05/1/09 10/1/11 8 10 5 C 
240044 Howard County 10/1/07 10/1/07 8 10 5 C 
240012 North Beach, City of 01/1/92 10/1/08 10 0 0 R 
245207 Ocean City, Town of 10/1/92 10/1/02 7 15 5 C 
245208 Prince George’s County 10/1/91 10/1/01 5 25 10 C 
Massachusetts 
250286 Boston, City of 10/1/92 10/1/97 10 0 0 R 
250233 Braintree, Town of 10/1/92 05/1/08 9 5 5 C 
250004 Chatham, Town of 10/1/92 10/1/93 8 10 5 C 
250082 Gloucester, City of 10/1/92 10/1/97 10 0 0 R 
250008 Harwich, Town of 10/1/95 10/1/95 9 5 5 C 
250085 Haverhill, City of 10/1/92 10/1/92 9 5 5 C 
250269 Hull, Town of 05/1/08 05/1/08 8 10 5 C 
250273 Marshfield, Town of 10/1/91 05/1/07 8 10 5 C 
250167 Northampton, City of 05/1/03 10/1/10 10 0 0 R 
250060 Norton, Town of 10/1/91 10/1/91 9 5 5 C 
250010 Orleans, City of 10/1/93 10/1/93 9 5 5 C 
250278 Plymouth, Town of 10/1/91 10/1/91 9 5 5 C 
255218 Provincetown, Town of 10/1/11 10/1/11 9 5 5 C 
255219 Quincy, City of 10/1/93 05/1/97 7 15 5 C 
250282 Scituate, Town of 10/1/91 05/1/09 8 10 5 C 
250218 Tewksbury, Town of 10/1/93 10/1/09 10 0 0 R 
250349 Worcester, City of 10/1/95 10/1/95 9 5 5 C 
Michigan 
260142 Bedford, Township of 05/1/02 05/1/08 8 10 5 C 
260467 Brooks Township 10/1/11 10/1/11 8 10 5 C 
260473 Commerce, Township of 05/1/03 05/1/09 8 10 5 C 
260221 Dearborn Heights, City of 10/1/92 05/1/08 7 15 5 C 
260172 Farmington Hills, City of 10/1/94 10/1/95 10 0 0 R 
260657 Fraser, Township of 05/1/03 05/1/03 9 5 5 C 
260226 Gibraltar, City of 10/1/92 10/1/02 8 10 5 C 
260118 Hamburg, Township of 10/1/99 10/1/99 8 10 5 C 
260150 Luna Pier, City of 05/1/02 05/1/08 8 10 5 C 
260140 Midland, City of 10/1/92 10/1/08 5 25 10 C 
260175 Novi, City of 10/1/99 10/1/99 7 15 5 C 
260185 Park, Township of 05/1/03 05/1/03 9 5 5 C 
260109 Plainfield Township 05/1/10 05/1/10 9 5 5 C 
260577 Portage, City of 10/1/92 05/1/08 8 10 5 C
TABLE 2. COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES (continued) 
CRS 18 October 1, 2011 
1 For the purpose of determining CRS discounts, all AR and A99 Zones are treated as non-SFHAs. 
2 Status: C = Current, R = Rescinded 
COMMUNITY 
Num ber COMMUNITY NAME 
CRS 
ENTRY Dat e 
CURRE NT 
EFFECTIVE DATE 
CURRE NT 
CLASS 
% DISCOUNT 
FOR SFHA1 
% DISCOUNT 
FOR NON-SFHA STATUS2 
Michigan (continued) 
260402 Richfield Township 05/1/11 05/1/11 8 10 5 C 
260190 Saginaw, Charter Township of 10/1/06 05/1/11 8 10 5 C 
260305 Saugatuck, City of 10/1/06 10/1/06 8 10 5 C 
260126 Shelby, Charter Township of 10/1/11 10/1/11 7 15 5 C 
260128 Sterling Heights, City of 10/1/95 05/1/05 7 15 5 C 
260243 Sumpter, Township of 10/1/95 10/1/04 10 0 0 R 
260728 Taylor, City of 05/1/03 10/1/09 8 10 5 C 
260503 Taymouth, Township of 05/1/03 10/1/09 8 10 5 C 
260208 Vassar, City of 10/1/06 10/1/06 6 20 10 C 
260285 Zilwaukee, City of 05/1/04 05/1/04 8 10 5 C 
Minnesota 
275228 Austin, City of 10/1/91 05/1/08 5 25 10 C 
275236 East Grand Forks, City of 10/1/91 10/1/98 10 0 0 R 
275240 Lake St. Croix Beach, City of 10/1/95 10/1/11 6 20 10 C 
275243 Montevideo, City of 05/1/10 05/1/10 5 25 10 C 
275244 Moorhead, City of 05/1/10 05/1/10 7 15 5 C 
270307 Mower County 10/1/95 04/1/00 8 10 5 C 
275246 Rochester, City of 10/1/91 10/1/96 10 0 0 R 
270729 West St. Paul, City of 10/1/91 10/1/96 10 0 0 R 
Mississippi 
285251 Bay St. Louis, City of 10/1/95 10/1/00 7 15 5 C 
285252 Biloxi, City of 10/1/96 05/1/09 6 20 10 C 
280016 Cleveland, City of 10/1/93 04/1/99 8 10 5 C 
280336 D’lberville, City of 10/1/07 10/1/10 5 25 10 C 
280332 Gautier, City of 10/1/94 10/1/10 7 15 5 C 
280179 Greenville, City of 10/1/93 05/1/03 8 10 5 C 
285253 Gulfport, City of 10/1/96 10/1/11 6 20 10 C 
285255 Harrison County 10/1/03 10/1/03 8 10 5 C 
280053 Hattiesburg, City of 10/1/94 05/1/10 6 20 10 C 
280292 Hernando, City of 10/1/11 10/1/11 9 5 5 C 
280070 Hinds County 10/1/93 10/1/93 9 5 5 C 
280072 Jackson, City of 10/1/91 10/1/96 8 10 5 C 
285256 Jackson County 10/1/11 10/1/11 9 5 5 C 
285257 Long Beach, City of 10/1/00 10/1/08 7 15 5 C 
280229 Madison, City of 10/1/96 10/1/01 8 10 5 C 
280096 Meridian, City of 10/1/92 05/1/08 8 10 5 C 
285259 Ocean Springs, City of 10/1/92 05/1/08 7 15 5 C 
285260 Pascagoula, City of 10/1/07 10/1/11 5 25 10 C 
285261 Pass Christian, City of 10/1/93 10/1/03 6 20 10 C 
280130 Picayune, City of 05/1/08 05/1/08 8 10 5 C 
280110 Ridgeland, City of 10/1/94 05/1/11 6 20 10 C 
280300 Stone County 10/1/10 10/1/10 8 10 5 C 
280100 Tupelo, City of 05/1/03 05/1/03 8 10 5 C 
280176 Vicksburg, City of 10/1/93 04/1/01 7 15 5 C 
285262 Waveland, City of 10/1/93 10/1/06 5 25 10 C 
Missouri 
290188 Arnold, City of 10/1/91 05/1/04 10 0 0 R 
290351 Ferguson, City of 10/1/95 04/1/01 10 0 0 R 
290223 Hannibal, City of 05/1/11 05/1/11 8 10 5 C
TABLE 2. COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES (continued) 
CRS 19 October 1, 2011 
1 For the purpose of determining CRS discounts, all AR and A99 Zones are treated as non-SFHAs. 
2 Status: C = Current, R = Rescinded 
COMMUNITY 
Num ber COMMUNITY NAME 
CRS 
ENTRY Dat e 
CURRE NT 
EFFECTIVE DATE 
CURRE NT 
CLASS 
% DISCOUNT 
FOR SFHA1 
% DISCOUNT 
FOR NON-SFHA STATUS2 
Missouri (continued) 
290172 Independence, City of 10/1/91 10/1/01 7 15 5 C 
290173 Kansas City, City of 10/1/09 10/1/09 9 5 5 C 
290362 Kirkwood, City of 10/1/91 10/1/96 10 0 0 R 
290475 Platte County 05/1/09 05/1/10 5 25 10 C 
290315 St. Charles County 10/1/01 05/1/08 7 15 5 C 
Montana 
300009 Belt, Town of 10/1/91 10/1/92 8 10 5 C 
300028 Bozeman, City of 10/1/92 10/1/09 8 10 5 C 
300008 Cascade County 10/1/91 04/1/01 8 10 5 C 
300108 Circle, Town of 10/1/91 10/1/93 8 10 5 C 
300023 Flathead County 10/1/93 10/1/07 8 10 5 C 
300010 Great Falls, City of 10/1/91 10/1/06 8 10 5 C 
300038 Lewis and Clark County 10/1/91 10/1/02 8 10 5 C 
300014 Miles City, City of 10/1/91 10/1/94 9 5 5 C 
300049 Missoula, City of 10/1/91 05/1/02 8 10 5 C 
300048 Missoula County 10/1/91 05/1/02 8 10 5 C 
300029 Three Forks, Town of 10/1/93 10/1/98 8 10 5 C 
300142 Yellowstone County 05/1/03 05/1/03 8 10 5 C 
Nebraska 
310187 DeWitt, Village of 05/1/11 05/1/11 9 5 5 C 
315275 Papillion, City of 10/1/10 10/1/10 8 10 5 C 
310069 Fremont, City of 10/1/91 10/1/91 9 5 5 C 
315273 Lincoln, City of 10/1/91 10/1/09 6 20 10 C 
310078 Valley, City of 10/1/08 10/1/08 8 10 5 C 
Nevada 
320001 Carson City, City of 10/1/94 10/1/09 6 20 10 C 
320003 Clark County 10/1/92 05/1/08 6 20 10 C 
320008 Douglas County 10/1/93 10/1/04 6 20 10 C 
320005 Henderson, City of 10/1/91 05/1/08 6 20 10 C 
325276 Las Vegas, City of 10/1/91 05/1/08 6 20 10 C 
320035 Mesquite, City of 10/1/02 05/1/07 7 15 5 C 
320007 North Las Vegas, City of 10/1/91 05/1/08 6 20 10 C 
320033 Storey County 10/1/94 10/1/99 8 10 5 C 
320019 Washoe County 05/1/09 05/1/09 7 15 5 C 
New Hampshire 
330023 Keene, City of 05/1/02 05/1/08 8 10 5 C 
330024 Marlborough, Town of 10/1/94 10/1/94 9 5 5 C 
330101 Peterborough, Town of 05/1/04 05/1/04 8 10 5 C 
330141 Rye, Town of 05/1/05 10/1/10 10 0 0 R 
330028 Winchester, Town of 05/1/02 05/1/02 9 5 5 C 
New Jersey 
340312 Aberdeen, Township of 05/1/10 05/1/10 9 5 5 C 
345278 Atlantic City, City of 10/1/92 10/1/00 9 5 5 C 
345279 Avalon, Borough of 10/1/96 10/1/07 6 20 10 C 
340396 Barnegat, Township of 10/1/92 10/1/97 10 0 0 R 
345280 Barnegat Light, Borough of 10/1/92 10/1/01 8 10 5 C 
345281 Bay Head, Borough of 10/1/93 10/1/98 8 10 5 C 
345282 Beach Haven, Borough of 10/1/91 05/1/11 6 20 10 C
TABLE 2. COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES (continued) 
CRS 20 October 1, 2011 
1 For the purpose of determining CRS discounts, all AR and A99 Zones are treated as non-SFHAs. 
2 Status: C = Current, R = Rescinded 
COMMUNITY 
Num ber COMMUNITY NAME 
CRS 
ENTRY Dat e 
CURRE NT 
EFFECTIVE DATE 
CURRE NT 
CLASS 
% DISCOUNT 
FOR SFHA1 
% DISCOUNT 
FOR NON-SFHA STATUS2 
New Jersey (continued) 
340427 Bedminster, Township of 10/1/96 05/1/07 6 20 10 C 
340369 Berkeley, Township of 10/1/92 10/1/08 7 15 5 C 
340459 Berkeley Heights, Township of 10/1/94 04/1/99 10 0 0 R 
340428 Bernards, Township of 10/1/10 10/1/10 8 10 5 C 
340178 Bloomfield, Township of 10/1/92 10/1/97 10 0 0 R 
340289 Bradley Beach, Borough of 10/1/95 10/1/00 7 15 5 C 
345286 Brigantine, City of 10/1/92 10/1/09 6 20 10 C 
345287 Burlington, City of 04/1/98 10/1/03 8 10 5 C 
345288 Cape May City, City of 10/1/94 10/1/99 8 10 5 C 
345289 Cape May Point, Borough of 10/1/93 10/1/94 7 15 5 C 
345292 Denville, Township of 10/1/11 10/1/11 9 5 5 C 
340031 Englewood, City of 10/1/91 10/1/01 10 0 0 R 
340434 Franklin, Township of 05/1/10 05/1/10 7 15 5 C 
340204 Greenwich, Township of 05/1/07 05/1/07 9 5 5 C 
340246 Hamilton, Township of 10/1/92 10/1/02 8 10 5 C 
345296 Harvey Cedars, Borough of 10/1/91 10/1/99 8 10 5 C 
340298 Hazlet Township 05/1/11 05/1/11 8 10 5 C 
340376 Lacey, Township of 10/1/92 10/1/93 10 0 0 R 
340379 Lavallette, Borough of 05/1/04 05/1/05 8 10 5 C 
345300 Lincoln Park, Borough of 10/1/91 10/1/06 10 0 0 R 
340467 Linden, City of 10/1/91 10/1/02 8 10 5 C 
340401 Little Falls, Township of 05/1/10 05/1/10 9 5 5 C 
340046 Little Ferry, Borough of 10/1/93 10/1/94 10 0 0 R 
340047 Lodi, Borough of 10/1/92 10/1/93 10 0 0 R 
345301 Long Beach, Township of 10/1/92 10/1/08 6 20 10 C 
345302 Longport, Borough of 10/1/95 10/1/00 8 10 5 C 
345303 Manasquan, Borough of 10/1/92 10/1/09 7 15 5 C 
340383 Mantoloking, Borough of 10/1/92 10/1/08 6 20 10 C 
345304 Margate City, City of 10/1/92 10/1/99 7 15 5 C 
340188 Montclair, Township of 10/1/94 10/1/95 10 0 0 R 
340517 Mullica, Township of 10/1/94 05/1/08 10 0 0 R 
340570 New Jersey Meadowlands 
Commission 
10/1/92 05/1/09 7 15 5 C 
345307 North Plainfield, Borough of 10/1/92 10/1/09 8 10 5 C 
345308 North Wildwood, City of 10/1/00 10/1/00 7 15 5 C 
345309 Oakland, Borough of 10/1/95 10/1/96 10 0 0 R 
340518 Ocean, Township of 10/1/95 10/1/95 9 5 5 C 
345310 Ocean City, City of 10/1/92 10/1/01 7 15 5 C 
340320 Oceanport, Borough of 05/1/10 05/1/10 8 10 5 C 
340110 Palmyra, Borough of 10/1/09 10/1/09 8 10 5 C 
340355 Parsippany-Troy Hills, Township of 10/1/91 05/1/09 10 0 0 R 
340512 Pennsville, Township of 10/1/92 10/1/97 10 0 0 R 
345311 Pequannock, Township of 10/1/91 10/1/11 7 15 5 C 
345312 Plainfield, City of 10/1/91 10/1/98 10 0 0 R 
345313 Point Pleasant, Borough of 10/1/93 10/1/93 9 5 5 C 
340388 Point Pleasant Beach, Borough of 10/1/92 05/1/09 9 5 5 C 
345528 Pompton Lakes, Borough of 10/1/91 10/1/11 6 20 10 C 
345314 Rahway, City of 10/1/92 05/1/09 7 15 5 C 
340067 Ridgewood, Village of 10/1/92 10/1/02 7 15 5 C 
340359 Riverdale, Borough of 10/1/94 10/1/94 9 5 5 C 
340070 Rochelle Park, Township of 10/1/06 10/1/06 8 10 5 C
TABLE 2. COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES (continued) 
CRS 21 October 1, 2011 
1 For the purpose of determining CRS discounts, all AR and A99 Zones are treated as non-SFHAs. 
2 Status: C = Current, R = Rescinded 
COMMUNITY 
Num ber COMMUNITY NAME 
CRS 
ENTRY Dat e 
CURRE NT 
EFFECTIVE DATE 
CURRE NT 
CLASS 
% DISCOUNT 
FOR SFHA1 
% DISCOUNT 
FOR NON-SFHA STATUS2 
New Jersey (continued) 
340472 Roselle, Borough of 10/1/92 01/1/98 8 10 5 C 
340474 Scotch Plains, Township of 10/1/94 10/1/95 10 0 0 R 
345317 Sea Bright, Borough of 10/1/92 10/1/97 10 0 0 R 
345318 Sea Isle City, City of 10/1/92 10/1/95 10 0 0 R 
345319 Seaside Park, Borough of 10/1/92 10/1/06 8 10 5 C 
345320 Ship Bottom, Borough of 10/1/92 05/1/09 7 15 5 C 
340329 Spring Lake, Borough of 10/1/94 10/1/99 8 10 5 C 
340393 Stafford, Township of 10/1/91 05/1/08 6 20 10 C 
345323 Stone Harbor, Borough of 10/1/94 05/1/09 7 15 5 C 
345324 Surf City, Borough of 10/1/92 10/1/08 7 15 5 C 
345293 Toms River, Township of 10/1/92 10/1/92 9 5 5 C 
340395 Tuckerton, Borough of 10/1/93 10/1/98 10 0 0 R 
340331 Union Beach, Borough of 10/1/03 10/1/03 8 10 5 C 
340159 Upper Township 10/1/11 10/1/11 7 15 5 C 
345326 Ventnor, City of 10/1/92 05/1/10 7 15 5 C 
340446 Warren, Township of 05/1/10 05/1/10 9 5 5 C 
345327 Wayne, Township of 10/1/91 10/1/00 8 10 5 C 
345328 West Wildwood, Borough of 10/1/93 10/1/05 10 0 0 R 
345330 Wildwood Crest, Borough of 10/1/93 10/1/03 8 10 5 C 
345331 Woodbridge, Township of 10/1/92 10/1/97 10 0 0 R 
New Mexico 
350045 Alamogordo, City of 10/1/91 10/1/91 9 5 5 C 
350002 Albuquerque, City of 10/1/93 10/1/08 9 5 5 C 
350001 Bernalillo County 10/1/93 05/1/08 9 5 5 C 
350010 Clovis, City of 10/1/91 10/1/91 9 5 5 C 
350012 Dona Ana County 10/1/03 10/1/08 8 10 5 C 
350067 Farmington, City of 10/1/91 10/1/91 9 5 5 C 
350029 Hobbs, City of 10/1/92 05/1/08 8 10 5 C 
355332 Las Cruces, City of 10/1/91 10/1/08 6 20 10 C 
350054 Portales, City of 10/1/95 10/1/95 9 5 5 C 
350006 Roswell, City of 10/1/92 10/1/92 9 5 5 C 
350064 San Juan County 05/1/08 05/1/08 9 5 5 C 
New York 
360226 Amherst, Town of 10/1/95 05/1/97 8 10 5 C 
360147 Ashland, Town of 10/1/91 05/1/08 9 5 5 C 
360790 Babylon, Town of 10/1/92 10/1/93 10 0 0 R 
360988 Bayville, Village of 10/1/92 10/1/03 8 10 5 C 
360148 Big Flats, Town of 10/1/91 10/1/96 8 10 5 C 
361342 Brightwaters, Village of 10/1/93 10/1/98 10 0 0 R 
360570 Camillus, Town of 10/1/96 10/1/01 10 0 0 R 
361055 Catlin, Town of 10/1/91 10/1/97 10 0 0 R 
360149 Chemung, Town of 10/1/91 05/1/08 9 5 5 C 
360772 Corning, City of 10/1/91 05/1/08 9 5 5 C 
360463 East Rockaway, Village of 10/1/92 10/1/92 9 5 5 C 
360150 Elmira, City of 10/1/91 05/1/97 8 10 5 C 
360151 Elmira, Town of 10/1/91 10/1/91 9 5 5 C 
360774 Erwin, Town of 10/1/91 05/1/08 8 10 5 C 
361194 Esperance, Town of 10/1/10 10/1/10 9 5 5 C
TABLE 2. COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES (continued) 
CRS 22 October 1, 2011 
1 For the purpose of determining CRS discounts, all AR and A99 Zones are treated as non-SFHAs. 
2 Status: C = Current, R = Rescinded 
COMMUNITY 
Num ber COMMUNITY NAME 
CRS 
ENTRY Dat e 
CURRE NT 
EFFECTIVE DATE 
CURRE NT 
CLASS 
% DISCOUNT 
FOR SFHA1 
% DISCOUNT 
FOR NON-SFHA STATUS2 
New York (continued) 
360464 Freeport, Village of 10/1/92 10/1/09 7 15 5 C 
360466 Great Neck Estates, Village of 10/1/10 10/1/10 9 5 5 C 
360417 Greece, Town of 10/1/92 10/1/10 8 10 5 C 
360777 Hornellsville, Town of 10/1/91 10/1/92 10 0 0 R 
360153 Horseheads, Town of 10/1/91 10/1/91 9 5 5 C 
360154 Horseheads, Village of 10/1/91 10/1/91 9 5 5 C 
360308 Ilion, Village of 10/1/00 10/1/00 9 5 5 C 
360047 Johnson City, Village of 10/1/91 10/1/91 9 5 5 C 
360247 Lackawanna, City of 05/1/03 05/1/03 9 5 5 C 
360476 Lawrence, Village of 10/1/92 05/1/07 7 15 5 C 
365338 Long Beach, City of 10/1/09 10/1/09 8 10 5 C 
360118 Moravia, Village of 05/1/09 05/1/09 8 10 5 C 
360506 Niagara Falls, City of 10/1/92 10/1/02 8 10 5 C 
360801 Northport, Village of 10/1/94 10/1/08 10 0 0 R 
360667 Oneonta, City of 10/1/94 05/1/11 10 0 0 R 
360780 Pulteney, Town of 10/1/91 10/1/93 10 0 0 R 
360932 Scarsdale, Village of 10/1/93 10/1/98 8 10 5 C 
365342 Southampton, Town of 10/1/95 10/1/05 8 10 5 C 
365343 Southampton, Village of 10/1/92 10/1/93 10 0 0 R 
360156 Southport, Town of 10/1/91 10/1/91 9 5 5 C 
360595 Syracuse, City of 10/1/93 05/1/10 8 10 5 C 
360056 Union, Town of 10/1/91 10/1/08 8 10 5 C 
361057 Veteran, Town of 10/1/91 10/1/96 10 0 0 R 
360157 Wellsburg, Village of 10/1/91 10/1/91 9 5 5 C 
North Carolina 
370404 Alliance, Town of 10/1/92 10/1/92 9 5 5 C 
370044 Atlantic Beach, Town of 10/1/92 10/1/93 8 10 5 C 
370183 Bayboro, Town of 10/1/92 10/1/92 9 5 5 C 
375346 Beaufort, City of 10/1/94 10/1/05 8 10 5 C 
370015 Belhaven, Town of 10/1/93 10/1/94 8 10 5 C 
370253 Boone, Town of 10/1/91 10/1/00 7 15 5 C 
370231 Brevard, City of 10/1/92 10/1/07 8 10 5 C 
370036 Cabarrus County 10/1/91 05/1/07 8 10 5 C 
370039 Caldwell County 04/1/00 04/1/00 9 5 5 C 
370046 Cape Carteret, Town of 10/1/93 10/1/03 8 10 5 C 
375347 Carolina Beach, Town of 10/1/93 04/1/99 7 15 5 C 
370043 Carteret County 10/1/91 10/1/92 8 10 5 C 
370238 Cary, Town of 10/1/92 10/1/96 10 0 0 R 
370391 Caswell Beach, City of 10/1/94 10/1/00 7 15 5 C 
370465 Cedar Point, Town of 10/1/92 10/1/07 8 10 5 C 
370159 Charlotte, City of 10/1/91 05/1/06 5 25 10 C 
370263 Clinton, City of 10/1/94 05/1/09 8 10 5 C 
370037 Concord, City of 10/1/93 10/1/03 8 10 5 C 
370072 Craven County 10/1/91 10/1/01 8 10 5 C 
370443 Creswell, Town of 10/1/94 10/1/99 8 10 5 C 
370076 Cumberland County 10/1/96 10/1/10 8 10 5 C 
370078 Currituck County 10/1/93 05/1/08 8 10 5 C 
375348 Dare County 10/1/91 05/1/08 8 10 5 C 
370632 Duck, Town of 10/1/11 10/1/11 7 15 5 C
TABLE 2. COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES (continued) 
CRS 23 October 1, 2011 
1 For the purpose of determining CRS discounts, all AR and A99 Zones are treated as non-SFHAs. 
2 Status: C = Current, R = Rescinded 
COMMUNITY 
Num ber COMMUNITY NAME 
CRS 
ENTRY Dat e 
CURRE NT 
EFFECTIVE DATE 
CURRE NT 
CLASS 
% DISCOUNT 
FOR SFHA1 
% DISCOUNT 
FOR NON-SFHA STATUS2 
North Carolina (continued) 
370085 Durham County 10/1/92 10/1/08 8 10 5 C 
370062 Edenton, Town of 10/1/93 05/1/08 9 5 5 C 
370047 Emerald Isle, Town of 10/1/93 10/1/03 7 15 5 C 
370190 Farmville, Town of 10/1/04 05/1/11 7 15 5 C 
375349 Forsyth County 10/1/93 05/1/08 8 10 5 C 
370099 Gaston County 10/1/11 10/1/11 9 5 5 C 
370255 Goldsboro, City of 10/1/93 05/1/03 8 10 5 C 
375351 Greensboro, City of 05/1/09 05/1/09 8 10 5 C 
370191 Greenville, City of 10/1/92 10/1/07 7 15 5 C 
370192 Grifton, Town of 10/1/04 05/1/08 5 25 10 C 
370111 Guilford County 10/1/93 10/1/08 8 10 5 C 
370265 Havelock, City of 10/1/95 10/1/99 8 10 5 C 
375352 Holden Beach, Town of 10/1/91 10/1/92 8 10 5 C 
370133 Hyde County 10/1/92 10/1/92 9 5 5 C 
370178 Jacksonville, City of 10/1/91 10/1/05 8 10 5 C 
375353 Kill Devil Hills, City of 10/1/91 10/1/11 6 20 10 C 
370145 Kinston, City of 10/1/94 05/1/06 5 25 10 C 
370439 Kitty Hawk, Town of 10/1/91 10/1/02 6 20 10 C 
370144 Lenoir County 10/1/94 05/1/06 7 15 5 C 
370081 Lexington, City of 10/1/93 05/1/08 7 15 5 C 
375355 Manteo, Town of 10/1/91 05/1/08 8 10 5 C 
370158 Mecklenburg County 10/1/91 05/1/06 6 20 10 C 
370418 Minnesott Beach, Town of 10/1/92 10/1/92 9 5 5 C 
370048 Morehead City, Town of 10/1/92 10/1/93 8 10 5 C 
375356 Nags Head, City of 10/1/91 10/1/01 6 20 10 C 
370167 Nashville, Town of 10/1/94 05/1/05 8 10 5 C 
370074 New Bern, City of 10/1/92 05/1/04 10 0 0 R 
370168 New Hanover County 10/1/91 05/1/08 8 10 5 C 
370049 Newport, Town of 10/1/92 10/1/07 8 10 5 C 
370466 North Topsail Beach, Town of 10/1/92 10/1/02 7 15 5 C 
370523 Oak Island, Town of 10/1/91 05/1/08 8 10 5 C 
375357 Ocean Isle Beach, Town of 10/1/92 05/1/08 8 10 5 C 
370342 Orange County 10/1/11 10/1/11 8 10 5 C 
370279 Oriental, Town of 10/1/92 10/1/97 9 5 5 C 
370181 Pamlico County 10/1/92 10/1/97 9 5 5 C 
370267 Pine Knoll Shores, Town of 10/1/92 10/1/02 7 15 5 C 
370160 Pineville, Town of 10/1/91 05/1/06 6 20 10 C 
370372 Pitt County 10/1/02 10/1/04 8 10 5 C 
370249 Plymouth, Town of 10/1/94 10/1/99 8 10 5 C 
370243 Raleigh, City of 10/1/91 10/1/06 7 15 5 C 
370432 River Bend, Town of 05/1/10 05/1/10 8 10 5 C 
370092 Rocky Mount, City of 10/1/92 05/1/08 7 15 5 C 
370421 Roper, Town of 10/1/94 10/1/99 8 10 5 C 
370220 Sampson County 10/1/94 10/1/99 10 0 0 R 
370430 Southern Shores, Town of 10/1/92 10/1/11 7 15 5 C 
370028 Southport, City of 10/1/91 10/1/05 8 10 5 C 
370437 Stonewall, Town of 10/1/92 10/1/92 9 5 5 C 
375359 Sunset Beach, Town of 10/1/91 10/1/00 8 10 5 C 
370094 Tarboro, Town of 10/1/06 10/1/11 7 15 5 C 
370187 Topsail Beach, Town of 10/1/92 10/1/02 6 20 10 C 
370438 Vandemere, Town of 10/1/92 10/1/92 9 5 5 C
TABLE 2. COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES (continued) 
CRS 24 October 1, 2011 
1 For the purpose of determining CRS discounts, all AR and A99 Zones are treated as non-SFHAs. 
2 Status: C = Current, R = Rescinded 
COMMUNITY 
Num ber COMMUNITY NAME 
CRS 
ENTRY Dat e 
CURRE NT 
EFFECTIVE DATE 
CURRE NT 
CLASS 
% DISCOUNT 
FOR SFHA1 
% DISCOUNT 
FOR NON-SFHA STATUS2 
North Carolina (continued) 
370368 Wake County 10/1/91 10/1/96 10 0 0 R 
370017 Washington, City of 10/1/92 10/1/02 8 10 5 C 
370247 Washington County 10/1/94 10/1/99 8 10 5 C 
370268 Washington Park, Town of 10/1/92 10/1/07 8 10 5 C 
370251 Watauga County 10/1/91 10/1/91 9 5 5 C 
370254 Wayne County 10/1/93 05/1/03 7 15 5 C 
370464 Whispering Pines, Village of 10/1/91 10/1/96 10 0 0 R 
370071 Whiteville, City of 10/1/96 10/1/05 8 10 5 C 
370270 Wilson, City of 10/1/91 05/1/11 6 20 10 C 
375360 Winston-Salem, City of 10/1/93 05/1/08 8 10 5 C 
370193 Winterville, Town of 10/1/93 10/1/97 10 0 0 R 
375361 Wrightsville Beach, Town of 10/1/91 05/1/08 8 10 5 C 
North Dakota 
385364 Fargo, City of 05/1/06 05/1/06 7 15 5 C 
385365 Grand Forks, City of 10/1/91 10/1/01 5 25 10 C 
Ohio 
390183 Delta, Village of 10/1/92 10/1/92 9 5 5 C 
390038 Fairfield, City of 10/1/93 10/1/98 8 10 5 C 
390110 Highland Heights, City of 10/1/91 10/1/92 10 0 0 R 
390412 Kettering, City of 10/1/95 10/1/00 8 10 5 C 
390328 Licking County 10/1/93 05/1/09 7 15 5 C 
390378 Medina County 05/1/07 05/1/07 9 5 5 C 
390071 New Richmond, Village of 10/1/92 10/1/02 8 10 5 C 
390176 Obetz, Village of 10/1/96 10/1/96 9 5 5 C 
390737 Orange, Village of 10/1/91 10/1/91 9 5 5 C 
390472 Ottawa, Village of 10/1/95 10/1/95 9 5 5 C 
390432 Ottawa County 10/1/92 10/1/92 9 5 5 C 
390460 Preble County 10/1/98 10/1/98 9 5 5 C 
390479 Shelby, City of 10/1/92 10/1/92 9 5 5 C 
390131 South Euclid, City of 10/1/91 10/1/91 9 5 5 C 
390419 West Carrollton, City of 05/1/02 05/1/09 8 10 5 C 
Oklahoma 
400220 Bartlesville, City of 10/1/92 10/1/02 7 15 5 C 
400207 Bixby, Town of 10/1/93 10/1/98 10 0 0 R 
400078 Blackwell, City of 10/1/91 10/1/93 8 10 5 C 
400236 Broken Arrow, City of 10/1/93 10/1/08 5 25 10 C 
400234 Chickasha, City of 10/1/92 10/1/08 8 10 5 C 
400221 Dewey, City of 10/1/92 10/1/92 9 5 5 C 
400252 Edmond, City of 10/1/93 10/1/08 7 15 5 C 
400062 Enid, City of 10/1/93 05/1/09 8 10 5 C 
400049 Lawton, City of 10/1/91 05/1/09 6 20 10 C 
400245 Lindsay, City of 10/1/92 10/1/93 10 0 0 R 
400046 Norman, City of 10/1/11 10/1/11 5 25 10 C 
400080 Ponca City, City of 05/1/10 05/1/10 6 20 10 C 
400211 Sand Springs, City of 10/1/91 10/1/06 6 20 10 C 
400053 Sapulpa, City of 10/1/92 10/1/93 10 0 0 R 
405380 Stillwater, City of 10/1/91 10/1/06 8 10 5 C 
405381 Tulsa, City of 10/1/91 10/1/03 2 40 10 C
TABLE 2. COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES (continued) 
CRS 25 October 1, 2011 
1 For the purpose of determining CRS discounts, all AR and A99 Zones are treated as non-SFHAs. 
2 Status: C = Current, R = Rescinded 
COMMUNITY 
Num ber COMMUNITY NAME 
CRS 
ENTRY Dat e 
CURRE NT 
EFFECTIVE DATE 
CURRE NT 
CLASS 
% DISCOUNT 
FOR SFHA1 
% DISCOUNT 
FOR NON-SFHA STATUS2 
Oregon 
410137 Albany, City of 10/1/91 10/1/06 7 15 5 C 
410090 Ashland, City of 10/1/91 10/1/07 7 15 5 C 
410043 Bandon, City of 05/1/05 05/1/10 10 0 0 R 
410240 Beaverton, City of 10/1/91 10/1/94 10 0 0 R 
410008 Benton County 10/1/02 10/1/07 6 20 10 C 
410029 Cannon Beach, City of 10/1/94 10/1/99 7 15 5 C 
410092 Central Point, City of 10/1/92 05/1/02 7 15 5 C 
415588 Clackamas County 10/1/04 10/1/04 5 25 10 C 
410009 Corvallis, City of 10/1/91 10/1/01 7 15 5 C 
410059 Douglas County 10/1/00 10/1/00 8 10 5 C 
410122 Eugene, City of 10/1/91 10/1/01 7 15 5 C 
410108 Grants Pass, City of 10/1/92 05/1/02 8 10 5 C 
410175 Heppner, City of 05/1/06 05/1/06 8 10 5 C 
415589 Jackson County 10/1/91 05/1/02 7 15 5 C 
415591 Lane County 05/1/09 05/1/09 7 15 5 C 
410154 Marion County 04/1/01 05/1/07 6 20 10 C 
410096 Medford, City of 10/1/94 05/1/09 8 10 5 C 
410064 Myrtle Creek, City of 05/1/03 05/1/08 10 0 0 R 
410200 Nehalam, City of 10/1/03 05/1/08 7 15 5 C 
410021 Oregon City, City of 10/1/03 05/1/08 7 15 5 C 
410186 Polk County 10/1/91 10/1/01 8 10 5 C 
410183 Portland, City of 10/1/01 10/1/07 5 25 10 C 
410201 Rockaway Beach, City of 10/1/04 10/1/09 7 15 5 C 
410098 Rogue River, City of 10/1/92 05/1/02 7 15 5 C 
410067 Roseburg, City of 10/1/94 10/1/99 8 10 5 C 
410167 Salem, City of 05/1/08 10/1/09 7 15 5 C 
410039 Scappoose, City of 10/1/93 05/1/08 7 15 5 C 
410144 Scio, City of 05/1/04 05/1/10 8 10 5 C 
410257 Sheridan, City of 10/1/01 10/1/01 8 10 5 C 
410213 Stanfield, City of 10/1/91 10/1/03 8 10 5 C 
410100 Talent, City of 10/1/00 05/1/06 9 5 5 C 
410202 Tillamook, City of 10/1/06 05/1/11 7 15 5 C 
410196 Tillamook County 04/1/01 04/1/01 6 20 10 C 
410184 Troutdale, City of 05/1/08 05/1/08 8 10 5 C 
Pennsylvania 
420339 Bloomsburg, Town of 10/1/93 10/1/03 8 10 5 C 
422034 Chapman, Township of 10/1/07 10/1/07 9 5 5 C 
420714 Danville, Borough of 10/1/06 10/1/06 8 10 5 C 
421062 Etna, Borough of 10/1/96 05/1/04 8 10 5 C 
421134 Granville, Township of 10/1/93 10/1/93 9 5 5 C 
420608 Hanover Township 10/1/10 10/1/10 9 5 5 C 
420380 Harrisburg, City of 10/1/91 05/1/06 6 20 10 C 
420735 Herndon, Borough of 10/1/07 10/1/07 8 10 5 C 
420642 Jersey Shore, Borough of 10/1/93 10/1/93 9 5 5 C 
420612 Kingston, Borough of 10/1/92 10/1/92 9 5 5 C 
420613 Kingston, Township of 10/1/92 04/1/93 10 0 0 R 
420831 Lewisburg, Borough of 10/1/93 10/1/03 8 10 5 C 
420687 Lewistown, Borough of 10/1/93 05/1/10 8 10 5 C 
422105 Limestone, Township of 10/1/93 10/1/98 10 0 0 R
TABLE 2. COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES (continued) 
CRS 26 October 1, 2011 
1 For the purpose of determining CRS discounts, all AR and A99 Zones are treated as non-SFHAs. 
2 Status: C = Current, R = Rescinded 
COMMUNITY 
Num ber COMMUNITY NAME 
CRS 
ENTRY Dat e 
CURRE NT 
EFFECTIVE DATE 
CURRE NT 
CLASS 
% DISCOUNT 
FOR SFHA1 
% DISCOUNT 
FOR NON-SFHA STATUS2 
Pennsylvania (continued) 
421040 Loyalsock, Township of 10/1/94 04/1/01 10 0 0 R 
425384 Milton, Borough of 10/1/92 05/1/08 8 10 5 C 
421020 Monroe, Township of 10/1/07 10/1/07 9 5 5 C 
420754 Newport, Borough of 10/1/94 10/1/09 8 10 5 C 
420739 Northumberland, Borough of 10/1/07 10/1/07 8 10 5 C 
421024 Penn, Township of 10/1/07 10/1/07 8 10 5 C 
421026 Point, Township of 10/1/07 10/1/10 10 0 0 R 
425387 Selinsgrove, Borough of 10/1/07 10/1/07 7 15 5 C 
421101 Shaler, Township of 10/1/94 10/1/04 8 10 5 C 
420743 Sunbury, City of 10/1/07 10/1/07 8 10 5 C 
420834 Union, Township of 10/1/93 10/1/98 10 0 0 R 
420372 Upper Allen, Township of 10/1/92 10/1/97 10 0 0 R 
420745 Upper Augusta, Township of 10/1/07 10/1/07 8 10 5 C 
421119 Upper St. Clair, Township of 10/1/98 10/1/09 7 15 5 C 
420631 Wilkes-Barre, City of 10/1/92 05/1/08 7 15 5 C 
Rhode Island 
445401 Middletown, Town of 10/1/91 04/1/00 8 10 5 C 
445402 Narragansett, Town of 10/1/92 10/1/07 8 10 5 C 
445404 North Kingstown, Town of 10/1/93 10/1/93 9 5 5 C 
440022 Pawtucket, City of 10/1/02 10/1/07 10 0 0 R 
South Carolina 
450002 Aiken County 10/1/93 10/1/93 9 5 5 C 
450262 Awendaw, Town of 10/1/96 10/1/05 6 20 10 C 
450026 Beaufort, City of 10/1/92 05/1/08 8 10 5 C 
450025 Beaufort County 10/1/91 10/1/07 7 15 5 C 
450029 Berkeley County 05/1/08 05/1/08 9 5 5 C 
450131 Cayce, City of 05/1/10 05/1/10 9 5 5 C 
455412 Charleston, City of 10/1/93 05/1/05 7 15 5 C 
455413 Charleston County 10/1/95 05/1/10 4 30 10 C 
450056 Colleton County 05/1/05 05/1/07 7 15 5 C 
455414 Edisto Beach, Town of 10/1/92 10/1/96 8 10 5 C 
450078 Florence, City of 10/1/91 10/1/10 7 15 5 C 
450076 Florence County 05/1/10 05/1/10 9 5 5 C 
455415 Folly Beach, Township of 10/1/96 10/1/01 8 10 5 C 
450087 Georgetown, City of 10/1/93 10/1/03 8 10 5 C 
450085 Georgetown County 05/1/10 05/1/10 8 10 5 C 
450091 Greenville, City of 10/1/91 10/1/04 7 15 5 C 
450089 Greenville County 10/1/93 10/1/03 8 10 5 C 
450250 Hilton Head Island, Town of 10/1/91 05/1/10 5 25 10 C 
450037 Hollywood, Town of 10/1/10 10/1/10 6 20 10 C 
450104 Horry County 10/1/10 10/1/10 9 5 5 C 
455416 Isle of Palms, City of 10/1/94 10/1/04 7 15 5 C 
450257 Kiawah Island, Town of 10/1/96 10/1/00 6 20 10 C 
450129 Lexington County 10/1/91 10/1/07 8 10 5 C 
450039 McClellanville, Town of 10/1/00 10/1/10 6 20 10 C 
450040 Meggett, City of 10/1/96 10/1/05 6 20 10 C 
455417 Mount Pleasant, City of 10/1/94 10/1/10 6 20 10 C 
450109 Myrtle Beach, City of 10/1/91 05/1/03 5 25 10 C 
450042 North Charleston, City of 05/1/03 10/1/07 7 15 5 C 
450110 North Myrtle Beach, Town of 10/1/91 10/1/97 7 15 5 C
TABLE 2. COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES (continued) 
CRS 27 October 1, 2011 
1 For the purpose of determining CRS discounts, all AR and A99 Zones are treated as non-SFHAs. 
2 Status: C = Current, R = Rescinded 
COMMUNITY 
Num ber COMMUNITY NAME 
CRS 
ENTRY Dat e 
CURRE NT 
EFFECTIVE DATE 
CURRE NT 
CLASS 
% DISCOUNT 
FOR SFHA1 
% DISCOUNT 
FOR NON-SFHA STATUS2 
South Carolina (continued) 
450255 Pawley’s Island, Town of 10/1/05 10/1/09 6 20 10 C 
450166 Pickens County 04/1/99 05/1/04 8 10 5 C 
450028 Port Royal, Town of 05/1/11 05/1/11 9 5 5 C 
450043 Ravenel, Town of 10/1/96 10/1/05 6 20 10 C 
450170 Richland County 10/1/95 10/1/10 8 10 5 C 
450249 Rockville, Town of 10/1/98 10/1/05 6 20 10 C 
450256 Seabrook Island, Town of 10/1/95 10/1/00 6 20 10 C 
455418 Sullivans Island, Town of 05/1/04 10/1/10 6 20 10 C 
450184 Sumter, City of 10/1/92 10/1/92 9 5 5 C 
450182 Sumter County 10/1/92 10/1/92 9 5 5 C 
450111 Surfside Beach, Town of 10/1/10 10/1/10 9 5 5 C 
450193 York County 10/1/09 10/1/09 9 5 5 C 
South Dakota 
465420 Rapid City, City of 10/1/92 10/1/02 8 10 5 C 
Tennessee 
470211 Athens, City of 10/1/93 10/1/09 8 10 5 C 
470182 Bristol, City of 05/1/06 10/1/07 8 10 5 C 
470176 Carthage, City of 10/1/92 10/1/02 8 10 5 C 
475425 Elizabethton, City of 10/1/93 10/1/93 9 5 5 C 
470105 Fayetteville, City of 10/1/92 10/1/93 10 0 0 R 
475426 Gatlinburg, City of 10/1/93 10/1/09 8 10 5 C 
470059 Humboldt, City of 10/1/93 10/1/96 10 0 0 R 
470184 Kingsport, City of 10/1/92 10/1/97 10 0 0 R 
475433 Knox County 10/1/02 10/1/02 9 5 5 C 
475434 Knoxville, City of 10/1/92 10/1/06 8 10 5 C 
470070 Morristown, City of 10/1/92 10/1/93 10 0 0 R 
470040 Nashville, City of & 
Davidson County 
10/1/91 10/1/06 8 10 5 C 
470100 Ripley, Town of 10/1/91 10/1/96 10 0 0 R 
475448 Spring City, Town of 10/1/92 10/1/97 10 0 0 R 
470204 Williamson County 10/1/08 10/1/08 9 5 5 C 
Texas 
485454 Arlington, City of 10/1/91 10/1/10 7 15 5 C 
480624 Austin, City of 10/1/91 05/1/10 6 20 10 C 
481193 Bastrop County 10/1/04 10/1/04 8 10 5 C 
485456 Baytown, City of 10/1/91 05/1/06 6 20 10 C 
485457 Beaumont, City of 10/1/08 10/1/08 8 10 5 C 
480289 Bellaire, City of 10/1/93 10/1/08 8 10 5 C 
480586 Benbrook, City of 10/1/91 10/1/06 6 20 10 C 
480878 Bevil Oaks, City of 05/1/10 10/1/11 7 15 5 C 
480082 Bryan, City of 10/1/95 10/1/11 6 20 10 C 
485459 Burleson, City of 10/1/91 05/1/07 8 10 5 C 
480167 Carrollton, City of 10/1/91 10/1/01 7 15 5 C 
485462 Cleburne, City of 10/1/92 10/1/92 9 5 5 C 
480083 College Station, City of 05/1/10 05/1/10 7 15 5 C 
480484 Conroe, City of 10/1/92 05/1/02 7 15 5 C 
480170 Coppell, City of 10/1/93 10/1/08 7 15 5 C 
485464 Corpus Christi, City of 10/1/91 10/1/91 9 5 5 C 
480171 Dallas, City of 10/1/91 05/1/11 5 25 10 C 
480291 Deer Park, City of 10/1/00 10/1/00 9 5 5 C
TABLE 2. COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES (continued) 
CRS 28 October 1, 2011 
1 For the purpose of determining CRS discounts, all AR and A99 Zones are treated as non-SFHAs. 
2 Status: C = Current, R = Rescinded 
COMMUNITY 
Num ber COMMUNITY NAME 
CRS 
ENTRY Dat e 
CURRE NT 
EFFECTIVE DATE 
CURRE NT 
CLASS 
% DISCOUNT 
FOR SFHA1 
% DISCOUNT 
FOR NON-SFHA STATUS2 
Texas (continued) 
480194 Denton, City of 10/1/91 05/1/07 6 20 10 C 
480774 Denton County 10/1/92 10/1/93 10 0 0 R 
480173 Duncanville, City of 10/1/91 10/1/01 8 10 5 C 
480214 El Paso, City of 10/1/91 10/1/91 9 5 5 C 
485468 Friendswood, City of 10/1/91 10/1/03 5 25 10 C 
485471 Garland, City of 10/1/91 10/1/97 7 15 5 C 
485472 Grand Prairie, City of 10/1/91 10/1/10 6 20 10 C 
480266 Guadalupe County 05/1/09 05/1/09 8 10 5 C 
480287 Harris County 05/1/04 05/1/04 8 10 5 C 
480296 Houston, City of 05/1/02 10/1/09 5 25 10 C 
480601 Hurst, City of 10/1/92 10/1/02 8 10 5 C 
485481 Kemah, City of 10/1/92 10/1/00 5 25 10 C 
485487 LaPorte, City of 10/1/99 10/1/99 8 10 5 C 
485488 League City, City of 10/1/92 05/1/11 8 10 5 C 
480195 Lewisville, City of 10/1/91 10/1/96 7 15 5 C 
480043 Live Oak, City of 05/1/10 05/1/10 7 15 5 C 
480452 Lubbock, City of 10/1/92 10/1/93 8 10 5 C 
480477 Midland, City of 10/1/92 10/1/94 8 10 5 C 
480304 Missouri City, City of 05/1/10 05/1/10 7 15 5 C 
485491 Nassau Bay, City of 10/1/92 05/1/09 7 15 5 C 
480607 North Richland Hills, City of 10/1/91 05/1/09 6 20 10 C 
480206 Odessa, City of 10/1/92 10/1/08 7 15 5 C 
480307 Pasadena, City of 10/1/91 05/1/10 7 15 5 C 
480077 Pearland, City of 05/1/05 10/1/10 7 15 5 C 
481028 Pflugerville, City of 05/1/11 05/1/11 7 15 5 C 
480140 Plano, City of 10/1/92 10/1/08 5 25 10 C 
485499 Port Arthur, City of 10/1/91 10/1/91 9 5 5 C 
480184 Richardson, City of 10/1/91 10/1/11 7 15 5 C 
485505 San Marcos, City of 10/1/92 10/1/02 7 15 5 C 
485507 Seabrook, City of 10/1/02 10/1/11 7 15 5 C 
480234 Sugar Land, City of 05/1/10 05/1/10 7 15 5 C 
481127 Sunset Valley, City of 05/1/10 05/1/10 8 10 5 C 
480502 Sweetwater, City of 10/1/91 05/1/08 9 5 5 C 
485513 Taylor Lake Village, City of 10/1/96 05/1/02 8 10 5 C 
481585 Tiki Island, Village of 10/1/01 05/1/06 8 10 5 C 
480654 Wharton, City of 10/1/11 10/1/11 8 10 5 C 
480662 Wichita Falls, City of 10/1/91 10/1/07 8 10 5 C 
Utah 
490039 Bountiful, City of 10/1/91 10/1/91 9 5 5 C 
490074 Cedar City, City of 10/1/94 10/1/96 10 0 0 R 
490040 Centerville, City of 05/1/02 10/1/08 7 15 5 C 
490019 Logan, City of 10/1/93 10/1/03 8 10 5 C 
490072 Moab, City of 04/1/01 10/1/11 9 5 5 C 
490214 North Ogden, City of 10/1/93 10/1/08 9 5 5 C 
490216 Orem, City of 10/1/93 05/1/08 7 15 5 C 
490159 Provo, City of 10/1/91 10/1/96 8 10 5 C 
490178 Santa Clara, Town of 10/1/95 10/1/95 9 5 5 C 
490177 St. George, City of 10/1/94 05/1/04 7 15 5 C 
490052 West Bountiful, City of 10/1/96 10/1/96 9 5 5 C
TABLE 2. COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES (continued) 
CRS 29 October 1, 2011 
1 For the purpose of determining CRS discounts, all AR and A99 Zones are treated as non-SFHAs. 
2 Status: C = Current, R = Rescinded 
COMMUNITY 
Num ber COMMUNITY NAME 
CRS 
ENTRY Dat e 
CURRE NT 
EFFECTIVE DATE 
CURRE NT 
CLASS 
% DISCOUNT 
FOR SFHA1 
% DISCOUNT 
FOR NON-SFHA STATUS2 
Vermont 
500013 Bennington, Town of 10/1/93 10/1/93 9 5 5 C 
500126 Brattleboro, Town of 10/1/91 10/1/91 9 5 5 C 
505518 Montpelier, City of 10/1/98 10/1/98 9 5 5 C 
Virginia 
510001 Accomack County 10/1/92 10/1/96 8 10 5 C 
515519 Alexandria, City of 10/1/92 10/1/09 7 15 5 C 
515520 Arlington County 10/1/92 10/1/08 8 10 5 C 
510134 Bridgewater, Town of 10/1/96 05/1/06 8 10 5 C 
510106 Cape Charles, Town of 05/1/10 05/1/10 9 5 5 C 
510002 Chincoteague, City of 10/1/00 10/1/03 8 10 5 C 
515525 Fairfax County 10/1/93 05/1/09 7 25 10 C 
510054 Falls Church, City of 05/1/07 05/1/07 8 10 5 C 
510071 Gloucester County 10/1/95 05/1/11 7 15 5 C 
515527 Hampton, City of 05/1/11 05/1/11 8 10 5 C 
510201 James City County 10/1/92 05/1/10 8 10 5 C 
510090 Loudoun County 10/1/92 05/1/03 10 0 0 R 
510104 Norfolk, City of 10/1/92 10/1/92 9 5 5 C 
510183 Poquoson, City of 10/1/92 10/1/97 9 5 5 C 
515529 Portsmouth, City of 10/1/92 10/1/00 9 5 5 C 
510119 Prince William County 10/1/96 10/1/01 8 10 5 C 
510130 Roanoke, City of 10/1/96 10/1/08 7 15 5 C 
510190 Roanoke County 10/1/91 10/1/06 8 10 5 C 
510154 Stafford County 05/1/11 05/1/11 8 10 5 C 
510053 Vienna, Town of 10/1/96 10/1/11 8 10 5 C 
510005 Wachapreague, Town of 10/1/96 10/1/96 9 5 5 C 
510182 York County 10/1/05 10/1/10 8 10 5 C 
Washington 
530073 Auburn, City of 10/1/92 05/1/08 5 25 10 C 
530074 Bellevue, City of 10/1/92 05/1/06 5 25 10 C 
530153 Burlington, City of 10/1/94 10/1/09 5 25 10 C 
530103 Centralia, City of 10/1/94 10/1/09 5 25 10 C 
530104 Chehalis, City of 10/1/94 05/1/10 5 25 10 C 
530024 Clark County 10/1/04 10/1/09 5 25 10 C 
530051 Ephrata, City of 10/1/00 05/1/10 7 15 5 C 
530200 Everson, City of 10/1/94 10/1/09 7 15 5 C 
530140 Fife, City of 05/1/06 10/1/09 5 25 10 C 
530166 Index, Town of 04/1/98 05/1/08 6 20 10 C 
530079 Issaquah, City of 10/1/92 05/1/08 5 25 10 C 
530080 Kent, City of 05/1/10 05/1/10 6 20 10 C 
530071 King County 10/1/91 10/1/07 2 40 10 C 
530156 La Conner, Town of 10/1/96 10/1/97 8 10 5 C 
530102 Lewis County 10/1/94 10/1/99 7 15 5 C 
530316 Lower Elwha/Klallam Tribe 10/1/00 10/1/10 8 10 5 C 
530331 Lummi Nation 05/1/10 05/1/10 8 10 5 C 
530169 Monroe, City of 10/1/91 05/1/06 5 25 10 C 
530158 Mount Vernon, City of 05/1/97 10/1/07 7 15 5 C 
530085 North Bend, City of 10/1/95 05/1/06 6 20 10 C 
530143 Orting, City of 05/1/08 10/1/09 6 20 10 C 
530138 Pierce County 10/1/95 05/1/08 3 35 10 C
TABLE 2. COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES (continued) 
CRS 30 October 1, 2011 
COMMUNITY 
Num ber COMMUNITY NAME 
CRS 
ENTRY Dat e 
CURRE NT 
EFFECTIVE DATE 
CURRE NT 
CLASS 
% DISCOUNT 
FOR SFHA1 
% DISCOUNT 
FOR NON-SFHA STATUS2 
Washington (continued) 
530088 Renton, City of 10/1/94 10/1/09 6 20 10 C 
530151 Skagit County 04/1/98 10/1/08 4 30 10 C 
535534 Snohomish County 05/1/06 10/1/10 4 30 10 C 
530090 Snoqualmie, City of 10/1/92 05/1/02 5 25 10 C 
530173 Sultan, City of 10/1/03 05/1/08 7 15 5 C 
530204 Sumas, City of 10/1/93 05/1/08 7 15 5 C 
530188 Thurston County 10/1/00 10/1/00 5 25 10 C 
530193 Wahkiakum County 10/1/07 10/1/07 8 10 5 C 
530067 Westport, City of 10/1/09 10/1/09 6 20 5 C 
530198 Whatcom County 10/1/96 10/1/06 6 20 10 C 
530217 Yakima County 10/1/07 10/1/07 8 10 5 C 
West Virginia 
540282 Berkeley County 10/1/11 10/1/11 7 15 5 C 
540199 Buckhannon, City of 05/1/07 05/1/07 8 10 5 C 
540073 Charleston, City of 10/1/11 10/1/11 9 5 5 C 
540065 Jefferson County 10/1/06 10/1/06 9 5 5 C 
540004 Philippi, City of 05/1/03 05/1/03 8 10 5 C 
Wisconsin 
550001 Adams County 10/1/91 05/1/07 8 10 5 C 
550612 Allouez, Village of 10/1/92 10/1/02 7 15 5 C 
550128 Eau Claire, City of 10/1/91 10/1/08 7 15 5 C 
550578 Elm Grove, Village of 04/1/01 10/1/06 6 20 10 C 
550366 Evansville, City of 05/1/10 05/1/10 7 15 5 C 
550022 Green Bay, City of 10/1/91 10/1/01 7 15 5 C 
555562 La Crosse, City of 10/1/91 10/1/02 8 10 5 C 
550085 Mazomanie, Village of 10/1/91 10/1/91 9 5 5 C 
550487 New Berlin, City of 10/1/05 05/1/10 7 15 5 C 
550310 Ozaukee County 10/1/91 10/1/07 8 10 5 C 
550660 Suamico, Village of 05/1/08 05/1/08 8 10 5 C 
550107 Watertown, City of 10/1/91 10/1/07 7 15 5 C 
550108 Waupun, City of 10/1/91 10/1/01 8 10 5 C 
550537 Winnebago County 10/1/91 10/1/01 8 10 5 C 
Wyoming 
560037 Casper, City of 10/1/00 10/1/00 9 5 5 C 
560030 Cheyenne, City of 05/1/03 05/1/03 7 15 5 C 
560013 Douglas, City of 10/1/93 10/1/10 8 10 5 C 
560029 Laramie County 05/1/03 05/1/03 8 10 5 C 
560085 Park County 10/1/91 10/1/96 10 0 0 R 
560044 Sheridan, City of 10/1/95 10/1/95 9 5 5 C 
Puerto Rico 
720101 Ponce, Municipality of 10/1/09 10/1/09 9 5 5 C 
1 For the purpose of determining CRS discounts, all AR and A99 Zones are treated as non-SFHAs. 
2 Status: C = Current, R = Rescinded


GUIDANCE FOR SEVERE REPETITIVE LOSS PROPERTIES
 SRL 1 October 1, 2011 
I. GENERAL DESCRIPTION 
The primary objective of the Severe Repetitive Loss 
(SRL) properties strategy is to eliminate or reduce the 
damage to residential property and the disruption to 
life caused by repeated flooding. Approximately 9,000 
insured properties have been identified with a high 
frequency of losses or a high value of claims. As these 
policies come up for renewal, they will be transferred to 
the National Flood Insurance Program (NFIP) Servicing 
Agent’s Special Direct Facility (SDF). 
The close supervision the SDF provides the group of 
policies, and the attention the group of properties 
receives when mitigation decisions are made, contribute 
to attaining the strategy’s primary objective. The SRL 
group consists of any NFIP-insured residential property 
that has met at least 1 of the following paid flood loss 
criteria since 1978, regardless of ownership: 
• • 4 or more separate claim payments of more than 
$5,000 each (including building and contents 
payments); or 
• • 2 or more separate claim payments (building 
payments only) where the total of the payments 
exceeds the current value of the property. 
In either case, 2 of the claim payments must have 
occurred within 10 years of each other. Multiple 
losses at the same location within 10 days of each 
other are counted as 1 loss, with the payment amounts 
added together. 
The loss history includes all ownership of the property 
since 1978 or since the building’s construction if built 
after 1978. 
SRL properties with renewal dates of January 1, 2007, 
or later will be afforded coverage (new business or 
renewal) only through the SDF. 
The agent/producer of record will remain in that capacity 
while the policy is in the SDF. The NFIP Servicing Agent 
will pay the agent/producer of record the standard 15% 
commission that is paid on all NFIP Direct business. 
II. NOTIFICATION REQUIREMENTS 
Policies that renew on or after January 1, 2007, and 
meet the SRL criteria will be transferred to the SDF for 
policy issuance. Any policy that meets the SRL criteria 
during the current term will be transferred to the SDF 
with the subsequent renewal. As requests for review 
(discussed in “III. Dispute Resolution” below) are 
successful, and the Federal Emergency Management 
Agency (FEMA) or its designee approves properties for 
mitigation, policies will be transferred out of the SDF. 
When policies are to be transferred to the SDF, the 
NFIP Bureau and Statistical Agent (NFIP Bureau) will 
notify Write Your Own (WYO) Companies and the NFIP 
Servicing Agent at least 150 days prior to the expiration 
date. The companies will notify the affected policyholders, 
their agents/producers, and their lenders 
90 days before expiration of the policy. This notice will 
explain that the policies are ineligible for coverage outside 
of the SDF. (See agent, lender, and policyholder 
SDF Notification Letters on pages SRL 3–8.) Offers to 
renew will be issued by the SDF approximately 45 days 
prior to the expiration date. 
III. DISPUTE RESOLUTION 
The designation of a property as an SRL property is 
based on the data on file with the NFIP. If the policyholder 
believes that the claims history is inaccurate, or if the 
property has already been mitigated to reduce future 
flooding, the designation may be challenged. 
When a policyholder has documentation that the NFIPinsured 
property has not sustained the losses reported, 
a request for review may be presented, in writing, to 
the NFIP Bureau. All documentation to substantiate 
the review must be included with the request letter. 
The policy will remain in the SDF during the review. 
The policyholder and agent/producer will be notified of 
the results of the review. If the policyholder’s request 
for review is successful, and the policyholder requests 
that the policy be returned to the previous carrier, 
the SDF policy will be canceled and the full premium 
will be returned to the former carrier. Otherwise, the 
policy will be set up for release from the SDF at its 
next renewal. The carrier will write the policy using 
the SDF’s effective dates. If, however, a loss occurs 
both in the current term and before the policy can be 
returned to the former carrier, the SDF will continue 
to service the claim and will return the policy at the 
next renewal cycle, unless the new claim qualifies the 
property for the SDF. 
If FEMA has approved the property for mitigation 
efforts other than buyout or demolition, the property 
will be removed from the SDF at the next renewal. 
If the property is bought out or demolished under an 
approved FEMA mitigation project, and the mitigation 
efforts for the specific property are FEMA approved, 
the policy will be canceled and the pro-rata premium 
(less Federal Policy Fee and, if applicable, Probation 
Surcharge) will be refunded. When a property is bought 


 SRL 2 MAY 1, 2011 
out or demolished, any commission chargeback to the 
agent/producer will be forgiven. 
IV. SEVERE REPETITIVE LOSS GRANT PROGRAM 
Through the Flood Insurance Reform Act of 2004 (FIRA 
2004), Congress directed FEMA to develop a program 
to reduce future flood losses. The SRL Grant Program 
makes funding available for a variety of flood mitigation 
activities. Under this program, FEMA provides funds 
to state and local governments to make offers of 
assistance to NFIP-insured SRL residential property 
owners for mitigation projects that reduce future flood 
losses through: 
• • Acquisition or relocation of at-risk structures and 
conversion of the property to open space; 
• • Elevation of existing structures; or 
• • Dry floodproofing of historic properties. 
SRL mitigation grants are provided to eligible applicant 
states/tribes/territories that, in turn, provide subgrants 
to local governments or communities. The applicant 
must have a FEMA-approved mitigation program in 
place that includes SRL properties. 
State and local officials will prioritize SRL properties 
within their jurisdictions for SRL grants. They may 
contact the policyholder directly to determine the 
appropriate mitigation activity that will most effectively 
reduce future flood losses and to advise them of their 
inclusion in the SRL grant application. If a grant is 
awarded, a written offer will be made to the policyholder. 
Participation in the SRL program is voluntary. However, 
SRL policyholders who refuse an offer of mitigation 
will be subject to an increase in their flood insurance 
premium rate equal to 150% of the chargeable rate 
for the property at the time the offer was made, as 
adjusted by any other premium adjustments otherwise 
applicable to the property. This increase will more 
accurately reflect the flood risk to the SRL property. 
Upon notification from FEMA of an SRL policyholder’s 
declining an offer of mitigation under this program, the 
SDF will send a Premium Increase Notification Letter 
(pages SRL 9–10) to notify all holders of recorded 
interest for the property. 
An SRL policyholder who has declined a mitigation 
offer may appeal the insurance premium rate increase 
within 90 days of the notification. The appeal must be 
based on 1 of the 6 provisions for appeal specified in 
the FIRA 2004. The SDF will postpone all rate increases 
for which a valid appeal was filed and will monitor the 
appeal’s progress. If the policy renewal falls within the 
appeal period, the SDF will send the Renewal Billing 
Letter shown on page SRL 11. However, if the policy 
renewal falls after the appeal period, the SDF will send 
the Renewal Billing Letter shown on page SRL 12. 
The law also provides for increased insurance premium 
rates if an SRL property whose owner declined an 
offer of mitigation incurs any subsequent flood loss 
with resulting NFIP payments in excess of $1,500 
in aggregate. In this case, the premium rate will be 
increased an additional 50%, and the SDF will send 
the Renewal Billing Letter shown on page SRL 13. In 
no case will rate increases exceed the current actuarial 
rating for the structure. 
More detailed information regarding SRL grant 
availability, eligibility requirements, tools, and 
application instructions is available on the FEMA 
website at http://www.fema.gov/government/grant/ 
srl/index.shtm.
 SRL 3 October 1, 2011 
Agent SDF Notification Letter, Page 1
 SRL 4 October 1, 2011 
Agent SDF Notification Letter, Page 2
 SRL 5 October 1, 2011 
Lender SDF Notification Letter, Page 1
 SRL 6 October 1, 2011 
Lender SDF Notification Letter, Page 2
 SRL 7 October 1, 2011 
Policyholder SDF Notification Letter, Page 1
 SRL 8 October 1, 2011 
Policyholder SDF Notification Letter, Page 2
 SRL 9 October 1, 2011 
Premium Increase Notification Letter, Page 1
 SRL 10 October 1, 2011 
Premium Increase Notification Letter, Page 2
 SRL 11 October 1, 2011 
Renewal Billing Letter Within Appeal Period
 SRL 12 October 1, 2011 
Renewal Billing Letter After Appeal Period
 SRL 13 October 1, 2011 
Renewal Billing Letter After Additional Loss


GUIDANCE FOR LEASED FEDERAL PROPERTIES
 LFP 1 May 1, 2011 
I. GENERAL DESCRIPTION 
In accordance with the provisions of the Flood 
Insurance Reform Act of 2004, Sec. 106, the Federal 
Emergency Management Agency (FEMA) will begin 
charging actuarial rates for a Leased Federal Property 
(LFP), which is any property leased from the Federal 
Government (including residential and non-residential 
properties) that the Administrator determines is 
located on the river-facing side of any dike, levee, or 
other riverine flood-control structure, or seaward of any 
seawall or other coastal flood-control structure. A list of 
property addresses meeting this description has been 
provided to FEMA by the U.S. Army Corps of Engineers. 
Actuarial rates will apply to all new and renewal policies 
with effective dates on or after October 1, 2009, that 
meet these criteria. 
II. NOTIFICATION REQUIREMENTS 
The National Flood Insurance Program (NFIP) maintains 
a list of LFP addresses available only to insurers. The 
insurer must determine whether property addresses for 
new or existing business appear on this list. Policies that 
have an address match must be rated using actuarial 
rates in accordance with the procedures below. 
The insurer must notify existing policyholders (and 
their agents/producers and lenders) at least 120 days 
before renewal that their property has been identified 
as being located on the river-facing side of any dike, 
levee, or other riverine flood-control structure, or 
seaward of any seawall or other coastal flood-control 
structure. The notice must include the requirement 
for such policies to be rated using actuarial rates. 
Sample notification letters have been provided at the 
end of this section that can be altered to work with a 
company’s billing cycle as necessary. 
In order to establish the actuarial rate, the insurer 
must obtain a FEMA Elevation Certificate (EC), which 
provides current Flood Insurance Rate Map (FIRM) 
information and elevations. At least 2 photographs 
(front and back) of the building must also be submitted. 
If the EC is not received within 45 days from the date of 
notice, the renewal policy may be canceled or nullified, 
or it may be issued using tentative rates. Tentative 
rates use Risk Rating Method code “F,” which is part 
of the Transaction Record Reporting and Processing 
(TRRP) Plan. 
The use of tentative rates must follow the established 
tentative rate procedure, which includes informing the 
parties of the missing information that prevents the 
policy from being rated actuarially. Additionally, the 
claim settlement procedure, when a tentatively rated 
property suffers a loss, must also be included in the 
information presented with the tentative rates. Policies 
that are within the 120-day window prior to renewal will 
not receive the Leased Federal Property notice until 
the subsequent renewal. 
III. TENTATIVE RATES 
Tentative rates (see table on page LFP 2) are used 
to issue policies when the underwriting information 
necessary to determine actuarial rates has not been 
obtained. Tentative rates are generally higher than 
actuarial rates. If the premium payment received is not 
sufficient to purchase the coverage limits requested, 
the policy will be issued with the coverage limits that 
can be purchased for the premium received, based on 
tentative rates. 
When tentative rates are applied, a declarations 
page and a Tentative Rate Letter will be forwarded 
to the policyholder, agent/producer, and mortgagee 
(if any), requesting the necessary information so that 
the proper rate can be determined. Tentatively rated 
policies cannot be endorsed to increase coverage 
limits, or renewed for another policy term, until the 
required actuarial rating information and full premium 
payment are received. 
If a loss occurs on a tentatively rated property, 
payment will be limited by the amount of coverage that 
the initially submitted premium will purchase using the 
correct actuarial rating information. 
IV. APPEALS 
The notice to policyholders must inform them that they 
can challenge their properties’ inclusion on the Leased 
Federal Properties list by submitting documentation 
refuting the information that placed them on the list. 
One example of acceptable documentation is a letter 
from a community official or land surveyor stating that 
the property is not located on the river-facing side of 
any dike, levee, or other riverine flood-control structure, 
or seaward of any seawall or other coastal flood-control 
structure. Another example is documentation showing 
that the insured, and not the Federal Government, owns 
the property. This information should be submitted to 
insurer, who will then process the request and forward 
it to FEMA for final review and determination. If FEMA 
approves the appeal, the property will be removed 
from the list and the building may continue to be rated 
as it was previously. 
If the policyholder does not provide acceptable 
documentation, or the appeal has been denied, the 
property will remain on the list. The insurer has the 
following options. 



 LFP 2 October 1, 2011 
• • A new policy can be issued or an existing policy 
renewed for a single policy term using tentative 
rates. If the policyholder does not provide acceptable 
documentation prior to the next policy expiration 
date, the company must non-renew the policy. 
• • The renewal policy can be canceled or nullified 
in accordance with the Write Your Own (WYO) 
Company’s business practices. 
Claims relating to a tentatively rated policy will not be 
processed until the required underwriting information 
needed to establish an actuarial rate for the policy has 
been received. 
Any flood loss occurring after notifying the policyholder 
of the property’s inclusion in the subset of properties 
cannot be settled until the insurer receives the 
appropriate underwriting documentation (i.e., new EC 
and photographs) or proof that the property should not 
have been placed on the list. 
TABLE 1. TENTATIVE RATES TABLE1 
RATES PER $100 OF COVERAGE 
(Basic/Additional) 
FIRM Zones A, AE, A1–A30, AO, AH RATES 
BUILDING TYPE BUILDING CON TEN TS 
NON-ELEVATED, NO BASEMENT BASIC LIMITS ADDITIONAL LIMITS BASIC LIMITS ADDITIONAL LIMITS 
1–4 Family 4.00 3.00 6.00 4.00 
Other Residential 6.00 4.00 6.00 4.00 
Non-Residential 6.00 4.00 8.00 8.00 
NON-ELEVATED WITH BASEMENT/ 
ELEVATED BUILDING2 BASIC LIMITS ADDITIONAL LIMITS BASIC LIMITS ADDITIONAL LIMITS 
1–4 Family 2.00 2.00 2.00 2.00 
Other Residential 3.00 3.00 2.00 2.00 
Non-Residential 3.00 3.00 3.00 3.00 
FIRM Zones V, V1–V30, VE RATES 
BUILDING TYPE BUILDING CON TEN TS 
NON-ELEVATED, NO BASEMENT BASIC LIMITS ADDITIONAL LIMITS BASIC LIMITS ADDITIONAL LIMITS 
1–4 Family 8.00 8.00 11.00 11.00 
Other Residential 11.00 11.00 11.00 11.00 
Non-Residential 11.00 11.00 11.00 11.00 
NON-ELEVATED WITH BASEMENT/ 
ELEVATED BUILDING2 BASIC LIMITS ADDITIONAL LIMITS BASIC LIMITS ADDITIONAL LIMITS 
1–4 Family 5.00 5.00 5.00 5.00 
Other Residential 7.00 7.00 5.00 5.00 
Non-Residential 7.00 7.00 7.00 7.00 
1 Use of this table is subject to the provisions found in the Tentative Rates subsection in the Rating section. 
2 The basement/elevated building rates should be used only if the submitted information indicates that the risk is constructed as an 
elevated building or has a basement as defined by the NFIP.

DEFINITIONS 
 DEF 1 October 1, 2011 
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 Flood Insurance Rate Map 
(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/producer 
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 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% chance of being equaled 
or exceeded in any given year. 
Base Flood Depth (BFD). The depth shown on the Flood 
Insurance Rate Map (FIRM) for Zone AO that indicates 
the depth of water above highest adjacent grade 
resulting from a flood that has a 1% chance of equaling 
or exceeding that level in any given year. 
Base Flood Elevation (BFE). The elevation of surface 
water resulting from a flood that has a 1% chance of 
equaling or exceeding that level in any given year. The 
BFE is shown on the Flood Insurance Rate Map (FIRM) 
for zones AE, AH, A1–A30, AR, AR/A, AR/AE, AR/A1– 
A30, AR/AH, AR/AO, V1–V30, and VE. 
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 or Certificate of Insurance. A temporary agreement 
between company, agent/producer, and insured that the 
policy is in effect. The NFIP does not recognize binders. 
However, for informational purposes only, the NFIP 
recognizes Certificates of Insurance and similar forms 
for renewal policies. 
Blanket Insurance. A single amount of insurance applying 
to more than 1 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 a 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 2 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 
1 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, a park trailer, or other similar 
vehicle, except as described above. 
Building in the Course of Construction. A walled and 
roofed building (see the General Rules section 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.
 DEF 2 May 1, 2011 
Cancellation. The termination 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 1 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 multiperil 
catastrophe. Through voluntary participation, all 
losses are reported to the CCO 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 1 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 (SFIP). 
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 (CBRS) established pursuant to the 
Coastal Barrier Resources Act (CBRA) of 1982. 
Coastal Barrier Resources Act of 1982 (CBRA). For 
the purposes of the NFIP, the CBRA of 1982 designated 
certain portions of the Gulf Coast and East Coast 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 Otherwise 
Protected Areas (OPAs) identified by the legislation 
defined above. 
Coastal High Hazard Areas. Special Flood Hazard 
Areas (SFHAs) along the coasts that have additional 
hazards due to wind and wave action. These areas are 
identified on Flood Insurance Rate Maps (FIRMs) 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% 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 
(RCBAP). 
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 2 numbers are 
the state code. The next 4 are the FEMA-assigned 
community number. An alphabetical suffix is added to 
a community number to identify revisions in the Flood 
Insurance Rate Map (FIRM) 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 the following: 
• • 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. 
Contract Agent. An employee of a Write Your Own 
(WYO) Company, or an agent/producer under written 
contract with a WYO Company, empowered to act on 
the company’s behalf and with authority to advise an 
applicant for flood insurance that the company will 
accept the risk. 
Countywide Map. A Flood Insurance Rate Map 
(FIRM) that shows flooding information for the entire 
geographic area of a county, including the incorporated 
communities within the county. 
Crawlspace. An under-floor space that has its interior 
floor area (finished or not) no more than 5 feet below 
the top of the next-higher floor. Crawlspaces generally 
have solid foundation walls. See Diagram 8 in the 
Elevation Certificate Instructions.
 DEF 3 May 1, 2011 
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 
$2,000 per building loss and per contents loss for Pre- 
FIRM risks may purchase separate $1,000 deductibles 
for building and contents coverages. 
Described Location. The location where the insured 
building or personal property is found. The described 
location is shown on the declarations page. 
Diagram Number. Any of the numbers used in the 
instructions to the NFIP Elevation Certificate to identify 
the diagrams of the main types of buildings. 
Direct Physical Loss By or From Flood. Loss or damage 
to insured property, directly caused by a flood. There 
must be evidence of physical changes to the property. 
Doublewide Manufactured (Mobile) Home. A 
manufactured (mobile) home that, when assembled as 
a nonmovable, permanent building, is at least 16 feet 
wide and has an area within its perimeter walls of at 
least 600 square feet. 
Dwelling. A building designed for use as a residence 
for no more than 4 families or a single-family unit in a 
building under the condominium form of ownership. 
Dwelling Form. See “Standard Flood Insurance Policy 
(SFIP) – 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 foundation 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 NFIP. 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. 
Federal Emergency Management Agency (FEMA). The 
Federal agency under which the 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 NFIP. 
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 interior 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 2 or more acres of normally 
dry land area or of 2 or more properties (at least 1 of 
which is the policyholder’s property) from: 
º º Overflow of inland or tidal waters; 
º º Unusual and rapid accumulation or runoff of 
surface waters from any source; or 
º º 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 the 
Special Flood Hazard Areas (SFHAs), the Base Flood 
Elevations (BFEs), and the risk premium zones 
applicable to the community.
 DEF 4 October 1, 2011 
Flood Response Office (FRO). The FRO provides 
a local presence in an affected area and supports 
the Write Your Own (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 Companies and the 
NFIP Servicing Agent. 
Floodplain. Any land area susceptible to being 
inundated by floodwaters 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. 
Foundation Walls. Masonry walls, poured concrete 
walls, or precast concrete walls that support the 
weight of a building. 
Freeboard. An additional amount of height above the 
Base Flood Elevation (BFE) used as a factor of safety 
(e.g., 2 feet above the Base Flood) in determining the 
level at which a building’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 (SFIP) – General Property Form.” 
Grade Elevation. The lowest or highest finished ground 
level that is immediately adjacent to the walls of the 
building. Use natural (pre-construction), ground level, if 
available, for Zone AO and Zone A (without BFE). 
Grandfathering. An exemption based on circumstances 
previously existing. 
• • Under NFIP statutory grandfathering, buildings 
located in Emergency Program communities and Pre- 
FIRM buildings in the Regular Program are eligible for 
subsidized flood insurance rates. 
• • Under NFIP administrative grandfathering, 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 (BFEs) or more restrictive, 
greater risk zone designations result from Flood 
Insurance Rate Map (FIRM) revisions. Policyholders 
who have remained loyal customers of the NFIP by 
maintaining continuous coverage (since coverage 
was first obtained on the building) are also eligible 
for administrative grandfathering. 
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 (SFIP) through the NFIP. 
High-Rise Building. High-rise condominium buildings 
have 5 or more units and at least 3 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. Under the NFIP, townhouses/rowhouses 
are not considered high-rise buildings, regardless of 
the number of floors. 
Historic Building. Any building that is: 
• • Listed individually in the National Register of Historic 
Places (a listing maintained by the Department of the 
Interior) or preliminarily determined by the Secretary 
of the Interior as meeting the requirements for 
individual listing on the National Register; or 
• • Certified or preliminarily determined by the 
Secretary of the Interior as contributing to the 
historical significance of a registered historic 
district or a district preliminarily determined by the 
Secretary of the Interior to qualify as a registered 
historic district; or 
• • Individually listed in a state inventory of historic places 
in states with preservation programs that have been 
approved by the Secretary of the Interior; or 
• • Individually listed on a local inventory of historic 
places in communities with historic preservation 
programs that have been certified either: 
º º By an approved state program as determined by 
the Secretary of the Interior; or 
º º Directly by the Secretary of the Interior in states 
without approved programs. 
Improvements and Betterments. Fixtures, alterations, 
installations, or additions made or acquired solely at 
a tenant’s expense and comprising part of an insured 
building. 
Increased Cost of Compliance (ICC). Coverage for 
expenses that a property owner must incur, above 
and beyond the cost to repair the physical damage the 
building actually sustained from a flooding event, to 
 DEF 5 October 1, 2011 
comply with mitigation requirements of state or local 
floodplain management ordinances or laws. Acceptable 
mitigation measures are elevation, floodproofing, 
relocation, demolition, or any combination thereof. 
Letter of Determination Review (LODR). FEMA’s ruling 
on the determination made by a lender or third party 
that a borrower’s building is in a Special Flood Hazard 
Area (SFHA). A LODR deals only with the location of a 
building relative to the SFHA boundary shown on the 
Flood Insurance Rate Map (FIRM). 
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 (SFHA). 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 in progress as 
of 12:01 a.m. on the first day of the policy term; or, 
as to any increase in the limits of coverage which is 
requested, a loss that is already in progress when the 
additional coverage is requested. 
Lowest Adjacent Grade. The lowest point of the ground 
level immediately next to a building. 
Lowest Floor. The lowest floor of the lowest enclosed 
area (including a basement). An unfinished or floodresistant 
enclosure, usable solely for parking of 
vehicles, building access, or storage in an area other 
than a basement area, is not considered a building’s 
lowest floor provided that such enclosure is not built so 
as to render the structure in violation of requirements. 
Lowest Floor Elevation (LFE). The measured distance 
of a building’s lowest floor above the National Geodetic 
Vertical Datum (NGVD) or other datum specified on the 
FIRM for that location. 
Low-Rise Building. Low-rise condominium buildings 
have fewer than 5 units regardless of the number 
of floors or 5 or more units with fewer than 3 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 1 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 
Flood Insurance Rate Map (FIRM), whichever is later. 
Manufactured (Mobile) Home Park or Subdivision, 
Expansion to Existing Site. The preparation of 
additional sites by the construction of facilities for 
servicing the lots on which manufactured (mobile) 
homes are to be affixed (including the installation of 
utilities, the construction of streets, and either final 
site grading or the pouring of concrete pads). 
Manufactured (Mobile) Home Park or Subdivision, 
New. A manufactured (mobile) home park or subdivision 
for which the construction of facilities for servicing the 
lots on which the manufactured (mobile) homes are to 
be affixed (including, at a minimum, the installation of 
utilities, the construction of streets, and either final site 
grading or the pouring of concrete pads) is completed 
after December 31, 1974, or on or after the effective 
date of the community’s initial Flood Insurance Rate 
Map (FIRM), whichever is later. 
Map Revision. A change in the Flood Hazard Boundary 
Map (FHBM) or Flood Insurance Rate Map (FIRM) for a 
community which reflects revised zone, base flood, or 
other information. 
Masonry Walls. Walls constructed of individual 
components laid in and bound together with mortar. 
These components can be brick, stone, concrete 
block, etc. 
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 1 of the other building types.
 DEF 6 October 1, 2011 
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 Write Your Own 
(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) of 1929. 
National standard reference datum for elevations, 
formerly referred to as Mean Sea Level (MSL) of 1929. 
NGVD 1929 may be used as the reference datum on 
some Flood Insurance Rate Maps (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 Flood Insurance Rate Map (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 FEMA 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 FEMA to service insurance policies as 
direct business. 
NFIP Special Direct Facility (SDF). Formed in 2000, 
a branch of the NFIP Servicing Agent to which Write 
Your Own (WYO) Companies transfer renewals for 
identified Severe Repetitive Loss (SRL) properties 
so that mitigation assistance can be offered to the 
policyholders. 
North American Vertical Datum (NAVD) of 1988. The 
vertical control datum established for vertical control 
surveying in the United States of America based upon 
the General Adjustment of the North American Datum 
of 1988. It replaces the National Geodetic Vertical 
Datum (NGVD) of 1929. 
Non-Residential Building (including hotel/motel). 
This is a commercial or non-habitational building, 
or a mixed-use building that does not qualify as a 
residential building. This category includes, but is 
not limited to, small businesses, churches, schools, 
farm buildings (including grain bins and silos), garages, 
poolhouses, clubhouses, recreational buildings, 
mercantile buildings, agricultural and industrial 
buildings, warehouses, nursing homes, licensed bedand-
breakfasts, and hotels and motels with normal 
room rentals for less than 6 months. 
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 Building. This is a residential 
building that contains more than 4 apartments/units. 
This category includes condominium and apartment 
buildings as well as hotels, motels, tourist homes, 
and rooming houses where the normal occupancy 
of a guest is 6 months or more. These buildings are 
permitted incidental occupancies. The total area of 
incidental occupancy is limited to less than 25% of the 
total floor area within the building. Examples of Other 
Residential buildings include dormitories and assistedliving 
facilities. 
Otherwise Protected Areas (OPAs). Areas established 
under Federal, state, or local law, or held by a qualified 
organization, primarily for wildlife refuge, sanctuary, 
recreational, or natural resource conservation 
purposes. The only Federal spending prohibition within 
OPAs is Federal flood insurance. 
Out-As-Shown Determination. An alternative outcome 
of the FEMA Letter of Map Amendment (LOMA) review 
process stating that a specific property is located 
outside the Special Flood Hazard Area (SFHA) as 
indicated on the Flood Hazard Boundary Map (FHBM) 
or Flood Insurance Rate Map (FIRM). 
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 following: 
• • 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 1 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.
 DEF 7 October 1, 2011 
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 Flood Insurance 
Rate Map (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 lower-cost Standard 
Flood Insurance Policy (SFIP), written under the 
Dwelling Form or General Property Form. It offers fixed 
combinations of building/contents coverage limits 
or contents-only coverage. 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. It is also available 
for buildings that are eligible under the 2-year PRP 
Eligibility Extension. 
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 Policy [PRP] Application) 
that includes the Annual Subtotal, the Increased Cost 
of Compliance (ICC) Premium, the Community Rating 
System (CRS) Premium Discount (if applicable), and 
the Probation Surcharge (if applicable). 
Presentment of Payment (Premium). The date of 
the check or credit card payment by the applicant or 
applicant’s representative if the premium payment is 
not part of a loan closing, or the date of closing, if the 
premium payment is part of a loan closing. 
Principal Residence. A single-family dwelling in which, 
at the time of loss, the named insured or the named 
insured’s spouse has lived for either 80% of the 365 
days immediately preceding the loss, or 80% of the 
period of ownership, if less than 365 days. 
Principally Above Ground Building. A building that has 
at least 51% of its Actual Cash Value (ACV), 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 2 openings, with positioning 
on at least 2 walls, having a total net area of not less 
than 1 square inch for every square foot of enclosed 
area subject to flooding must be provided. The bottom 
of all openings must be no higher than 1 foot above the 
higher of the exterior or interior grade (adjacent) or floor 
immediately below the openings. 
Property Removed to Safety Expense. Up to $1,000 
of reasonable expenses incurred by the insured 
to temporarily remove insured property from the 
described location because of flood or the imminent 
danger of flood. 
Provisional Rating. A method for placing flood coverage 
prior to the receipt of a FEMA Elevation Certificate. 
Regular Program. The final phase of a community’s 
participation in the NFIP. In this phase, a Flood 
Insurance Rate Map (FIRM) is in effect and full limits of 
coverage are available under the Act. 
Regular Program Community. A community wherein a 
Flood Insurance Rate Map (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 2 paid flood losses of more than 
$1,000 each in any 10-year period since 1978. 
Replacement Cost Value (RCV). The cost to 
replace property with the same kind of material and 
construction without deduction for depreciation. 
Residential Condominium Building. A building, owned 
and administered as a condominium, containing 1 or 
more family units and in which at least 75% of the floor 
area is residential. 
Residential Condominium Building Association 
Policy (RCBAP). See “Standard Flood Insurance Policy 
(SFIP) – 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.
 DEF 8 October 1, 2011 
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 floodprone areas. 
Severe Repetitive Loss (SRL) Properties. NFIP-insured 
buildings that, on the basis of paid flood losses since 
1978, meet either of the loss criteria described in 
the SRL section. SRL properties with policy effective 
dates of January 1, 2007, and later will be afforded 
coverage (new business or renewal) only through 
the NFIP Servicing Agent’s Special Direct Facility 
(SDF) so that they can be considered for possible 
mitigation activities. 
Shear Walls. Walls used for structural support but not 
structurally joined or enclosed at the ends (except by 
breakaway walls). Shear walls are parallel, or nearly 
parallel, to the flow of the water and can be used in 
any flood zone. 
Sheet Flow Hazard. A type of flood hazard with flooding 
depths of 1 to 3 feet that occurs in areas of sloping 
land. The sheet flow hazard is represented by the zone 
designation AO on the FIRM. 
Single Adjuster Program. A procedure implemented 
among the NFIP, various wind pools, and Write Your 
Own (WYO) Companies to allow 1 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. This is a residential singlefamily 
building, or a dwelling unit in a non-residential 
condominium building; incidental occupancies are 
permitted if limited to less than 50% of the building’s 
total floor area. Incidental occupancies are offices, 
private schools, studios, or small service operations 
within a residential building. 
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 
(FHBM) or Flood Insurance Rate Map (FIRM) 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 
(CRS) premium discounts, all AR and A99 Zones are 
treated as non-SFHAs. 
Split Level. A foundation with a vertical offset in the 
floor framing on either side of a common wall. 
Standard Flood Insurance Policy (SFIP) – Dwelling 
Form. The policy form used to insure a building 
designed for use as a residence for no more than 4 
families or a single-family unit in a residential building 
under a condominium form of ownership. This form is 
also used to insure residential contents in any building. 
The owner of a residential building with 5 or more units 
can use this form to insure contents only in his or her 
own residential unit. 
Standard Flood Insurance Policy (SFIP) – General 
Property Form. The policy form used to insure a nonresidential 
building or a 5-or-more-unit residential 
building not eligible for the Residential Condominium 
Building Association Policy (RCBAP). This form is also 
used to insure non-residential contents in any building 
or a building owner’s residential contents located in 
multiple units within a building with 5 or more units. 
Standard Flood Insurance Policy (SFIP) – Residential 
Condominium Building Association Policy (RCBAP). 
The policy form used to insure a building, owned and 
administered as a condominium, containing 1 or more 
units and in which at least 75% of the floor area is 
residential. The building must be located in a Regular 
Program community. 
Start of Construction. For other than new construction 
or substantial improvements, under the Coastal 
Barrier Resources Act (CBRA), 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;
 DEF 9 October 1, 2011 
• • Furnishings and equipment for watercraft; 
• • Spas and hot tubs, including their equipment; and 
• • Swimming pool equipment. 
Subgrade Crawlspace. A crawlspace foundation where 
the subgrade under-floor area is no more than 5 feet 
below the top of the next-higher floor and no more than 
2 feet below the lowest adjacent grade on all sides. 
Submit-for-Rate (SFR). An application for flood 
insurance on a building for which no risk rate is 
published in the NFIP Flood Insurance Manual. 
Insurance coverage can be obtained only after 
the insurer 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% 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% 
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. 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. 
2–4 Family Residence. This is a residential building 
that contains 2–4 units. This category includes 
apartment buildings and condominium buildings. 
Incidental occupancies are permitted if the total area 
of such occupancies is limited to less than 25% of 
the total floor area within the building. This excludes 
hotels and motels with normal room rentals for less 
than 6 months. 
Underground Building. A building for which 50% 
or more of the Actual Cash Value (ACV), 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 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 (SFIP) is not a 
valued policy. 
Variance. A grant of relief by a participating 
community from the terms of its floodplain 
management regulations. 
Waiting Period. The time between the date of 
application and the policy effective date. 
Walled and Roofed. A building that has 2 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 (BFE) for V Zones 
shown on the Flood Insurance Rate Map (FIRM) 
published prior to 1981. For coastal communities, 
the BFE shown on FIRMs published prior to 1981 are 
stillwater elevations, which include only the effects 
of tide and storm surge, and not the height of windgenerated 
waves. 
Write Your Own (WYO) Program. A cooperative 
undertaking of the insurance industry and FEMA 
begun in October 1983. The Write Your Own (WYO) 
Program operates within the context of the NFIP and 
involves private insurance carriers that issue and 
service NFIP policies. 
Zone. A geographical area shown on a Flood Hazard 
Boundary Map (FHBM) or a Flood Insurance Rate Map 
(FIRM) that reflects the severity or type of flooding in 
the area.

INDEX
 IND 1 October 1, 2011 
A 
ABOVE GROUND BUILDING, PRINCIPALLY................... GR 3, DEF 7 
ACT................................................................. REF 1, GR 7, DEF 1 
ACTUAL CASH VALUE (ACV)..................................................DEF 1 
ADDITIONS AND EXTENSIONS (TO BUILDING)..........GR 5, RATE 15 
ADJUSTER CONTROL OFFICE.......................................CL 3, DEF 1 
ALTERNATIVE RATES.............................. RATE 20, END 1–2, DEF 1 
ANCHORED........................................................... GR 3–4, DEF 1 
APPLICATION.................................GR 14, APP 1–15, CONDO 7–8, 
PRP 7–10, DEF 1 
Binder or Certificate of Insurance........................ GR 15, DEF 1 
Flood Insurance Application Form ...........................APP 13–15 
Incomplete/Incorrect Applications..................................APP 11 
Mailing Instructions..................................GR 8, 14, APP 10–11 
APPURTENANT STRUCTURE....................................... GR 3, DEF 1 
ASSESSMENT COVERAGE......................... GR 12, 13, CONDO 6–7 
ASSIGNMENT OF POLICY............................GR 15, MPPP 4, DEF 1 
B 
BASE FLOOD.......................................................................DEF 1 
BASE FLOOD DEPTH............................................. RATE 18, DEF 1 
BASE FLOOD ELEVATION (BFE).......................GR 14, RATE 23–25, 
MAP 1, 2, DEF 1 
BASEMENT............................APP 1, 3, RATE 25, CERT 3–5, DEF 1 
BINDER OR CERTIFICATE OF INSURANCE.................. GR 15, DEF 1 
BLANKET INSURANCE.........................................................DEF 1 
BOATHOUSES....................................................................... GR 4 
BREAKAWAY WALLS..............................GR 5, RATE 19–24, DEF 1 
BUILDING................................................ GR 3–7, APP 3–4, DEF 1 
Additions and Extensions ..................................GR 5, RATE 15 
Building Coverage Limits...............................................RATE 1 
Building in the Course of Construction.......................... GR 4-5, 
APP 5–6, CONDO 5–6, DEF 1 
Buildings in More Than One Flood Zone.............GR 14, RATE 16 
Building on Fill...................................................................PR 2 
Building Over Water...................................................... GR 4, 7 
Building Partially Underground.......................................... GR 7 
Container-Type Building.................................................... GR 7 
Contents......................... GR 6, 7, 8, 13, APP 5, RATE 1, 26–28 
Elevated Building..............APP 1, 4, 5, 6, 8, RATE 19–20, DEF 3 
Floodproofed Building...................... RATE 30, CERT 3–4, DEF 4 
Manufactured (Mobile) Home/Travel Trailer.................. GR 3–4, 
APP 1, 4, 5, 6, 9, 10, RATE 15, 16, PR 1, DEF 3, 5, 9 
Section 1316.........................................................GR 7, DEF 8 
Single Building...................................................... GR 5, DEF 8 
Start of Construction........................................ RATE 15, DEF 9 
Substantial Improvement....................... APP 6, RATE 15, DEF 9 
Types of Buildings...............................APP 1, 3–4, CONDO 7–8 
BUILDING DIAGRAMS 1–9........................... LFG 5–8, CERT 23–25 
BUILDING DRAWINGS..................................................LFG 10–84 
BUILDING OCCUPANCY..................................................... GR 5–6 
BUSINESS CONSULTANT, WYO.............................................REF 2 
C 
CANCELLATION/NULLIFICATION..........................CONDO 7, PRP 6, 
MPPP 4, CN 1–10, DEF 2, 6 
Cancellation/Nullification Request Form..................... CN 9–10 
Form Completion.............................................................. CN 7 
Processing Outcomes Table.............................................. CN 8 
Valid Reason Codes for Cancellation/Nullification......... CN 1–6 
Refunds....................................................................... CN 1–6 
CERTIFICATIONS.......................................................... CERT 1–25 
CISTERNS............................................................. GR 4, 6, DEF 2 
CLAIMS.............................................................................CL 1–4 
Appealing a Claim......................................................... CL 1–3 
Filing a Claim....................................................................CL 1 
Increased Cost of Compliance (ICC) Claims........................CL 4 
Insured’s Responsibilities.............................................. CL 1–3 
Producer’s Responsibilities.............................................CL 3,4 
Single Adjuster Program.....................................CL 3–4, DEF 8 
Training.............................................................................CL 4 
CLAIMS COORDINATING OFFICE (CCO).....................CL 3–4, DEF 2 
CLOSED BASIN LAKE..................................................CN 6, DEF 2 
COASTAL BARRIER...............................................................DEF 2 
COASTAL BARRIER RESOURCES 
SYSTEM (CBRS)............................................CBRS 1–10, 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 3–10 
COASTAL HIGH HAZARD AREA............................... RATE 29, DEF 2 
COINSURANCE....................................................CONDO 6, DEF 2 
COMMERCIAL CONTENTS.....................................GR 6, CONDO 2 
COMMISSION, PRODUCER’S......................GR 15, CONDO 8, CN 8 
COMMON INTERIOR WALLS.................................................. GR 5 
COMMUNITY (See also PROBATION 
and SUSPENSION)...................................GR 1, APP 2–3, DEF 2 
Community Eligibility........................................................ GR 1 
Community Number.............................................. APP 2, DEF 2 
Community Status...........................................................APP 2 
Non-Participating Community................................. GR 1, APP 3 
Participating Community........................................ GR 1, DEF 7 
Regular Program Community............................................DEF 8 
COMMUNITY RATING SYSTEM (CRS)......... APP 7, CRS 1–30, DEF 2 
CONDOMINIUM ASSOCIATION......................CONDO 1–2, 5, DEF 2 
CONDOMINIUMS...........................................CONDO 1–31, DEF 2 
CONSTRUCTION DATA......................................................APP 5–6 
CONTACT INFORMATION, NFIP..........................................REF 3–5 
CONTENTS.......................... GR 6, 7, 8, 13, APP 5, RATE 1, 26–28 
CONTINUOUS LAKE FLOODING.............................................. CN 6 
CONTRACT AGENT................................................... GR 15, DEF 2 
COOPERATIVES.................................................................... GR 7 
COUNTYWIDE MAP..................................................MAP 1, DEF 2 
COURSE OF CONSTRUCTION......................................GR 5, APP 5, 
CONDO 5–6, DEF 2 
COVERAGE.......................GR 11–13, RATE 1–11, 14, CONDO 6–7, 
PRP 2, 4–6, MPPP 3, END 1 
Additional Coverage or Increase in Coverage................... END 1 
Amount of Insurance Available.......................................RATE 1 
Building Coverage........................................... GR 6–7, RATE 1, 
CONDO 9, PRP 1, 2, 4–6 
Contents Coverage..................... GR 6, 7, 8, 13, APP 5, RATE 1, 
CONDO 8, PRP 1, 2, 4–6 
Contents-Only Coverage.......................RATE 55, PRP 1, 2, 5–6 
Limits of Coverage............................................GR 11, RATE 1, 
CONDO 6–8, PRP 1, 4–5, MPPP 3 
Reduction or Reformation/Removal 
of Insurance............................. GR 12, END 1, MPPP 4, PR 1 
CRAWLSPACE..........................................RATE 25, LFG 2, CERT 2, 
CONDO 10–18, DEF 2 
CREDIT CARD PAYMENT............................APP 8, REN 2, 8, MAP 4 
CREDIT CARD PAYMENT FORM........................................ REN 2, 8 
D 
DATE OF CONSTRUCTION....................... APP 5–6, RATE 15, DEF 3 
DECLARATIONS PAGE........................................MPPP 3–4, DEF 3 
DEDUCTIBLE BUYBACK......................................... RATE 12, DEF 3 
INDEX
 IND 2 October 1, 2011 
DEDUCTIBLE FACTORS...................................RATE 13, CONDO 22 
DEDUCTIBLES.........................................GR 11, RATE 12, 13, 16, 
CONDO 7, 22, PRP 3, MPPP 4, END 2 
DEFINITIONS................................................................... DEF 1–9 
DESCRIBED LOCATION.........................................................DEF 3 
DIAGRAM NUMBER..............................................................DEF 3 
DIRECT PHYSICAL LOSS BY OR FROM FLOOD.......................DEF 3 
DIRECT PROGRAM.......................REF 2, GR 15, APP 11, CONDO 7 
DISASTER ASSISTANCE...............................GR 3, APP 1, PRP 1, 7 
DOUBLEWIDE MANUFACTURED (MOBILE) HOME...................DEF 3 
DUPLICATE POLICIES........................................................ CN 2, 4 
DWELLING ..........................................................................DEF 3 
DWELLING FORM (See also STANDARD 
FLOOD INSURANCE POLICY)..........................GR 1–2, CONDO 7, 
POL 1, 3–24, DEF 3 
E 
EFFECTIVE DATE.................................................. GR 8–11, REN 2 
ELEVATED BUILDING (See also 
LOWEST FLOOR GUIDE)............. APP 5, 9–10, RATE 18–20, DEF 3 
ELEVATION CERTIFICATE....... APP 6–7, LFG 3–8, CERT 1–4, 11–25 
ELEVATION DIFFERENCE............................ APP 7, RATE 17–18, 30 
ELIGIBLE BUILDINGS........................................GR 3–6, CONDO 5 
ELIGIBLE COMMUNITY (See PARTICIPATING COMMUNITY) 
ELIGIBLE CONTENTS............................................................. GR 6 
EMERGENCY PROGRAM.................................GR 1, RATE 1, DEF 3 
ENCLOSURE/ENCLOSED AREA 
(See also LOWEST FLOOR GUIDE)........... APP 3–4, RATE 19–20, 
LFG 1–3, 4, 6, 8, DEF 3 
ENDORSEMENT............................................GR 10–11, CONDO 7, 
PRP 3, MPPP 4, END 1–14, PR 1 
Endorsement Processing Prior to Policy Renewal.............END 2–3 
Endorsement Rules: Changing Deductibles..................... END 2 
Endorsement Rules: Conversion of Standard Rated 
Policy to PRP Due to Misrating or Map Revision............ END 2 
Endorsement Rules: Correcting Property Address............ END 2 
Endorsement Rules: Coverage Endorsements................. END 1 
Endorsement Rules: Misrated Policy............................... END 2 
Endorsement Rules: Rating Endorsements...................END 1–2 
Endorsements During Renewal Cycle.............................. REN 2 
General Change Endorsement Form........................ END 13–14 
Preparation of Form.................................................... END 3–4 
Rating Examples...................................................... END 5–12 
Refund Processing..................................................... END 3–4 
ENGINEERED OPENINGS (See PROPER OPENINGS) 
EQUIPMENT (See MACHINERY AND EQUIPMENT) 
EROSION.............................................................................DEF 3 
ERRORS, RATING.............................................................END 1–2 
EVIDENCE OF INSURANCE.................................................. GR 15 
F 
FEDERAL LAND..................................................................... GR 1 
FEDERAL POLICY FEE............................ RATE 12, 16, CONDO 7, 8, 
PRP 2, MPPP 4, DEF 3 
FEMA.........................................................REF 1, SRL 1–2, DEF 3 
FHBM (See FLOOD HAZARD BOUNDARY MAP) 
FICO (See FLOOD INSURANCE CLAIMS OFFICE) 
FINANCIAL ASSISTANCE/ 
SUBSIDY ARRANGEMENT...................................MPPP 2, DEF 3 
FINISHED (HABITABLE) AREA................................................DEF 3 
FINISHED BASEMENT..........................................................APP 3 
FIRM (See FLOOD INSURANCE RATE MAP) 
FIRM ZONES................................................................... MAP 1–2 
FLOOD................................................................................DEF 3 
FLOOD DISASTER PROTECTION ACT OF 1973.....................MPPP 1 
FLOOD HAZARD BOUNDARY 
MAP (FHBM).......................................GR 1, MAP 1, 2, 8, DEF 3 
FLOOD INSURANCE CLAIMS OFFICE (FICO)..................CL 3, DEF 3 
FLOOD INSURANCE RATE 
MAP (FIRM)....................... GR 1, CERT 2, MAP 1, 2, 3, 7, DEF 3 
FLOOD MAPS.........................................................GR 1, MAP 1–8 
Changing or Correcting a Flood Map............................MAP 2–3 
Countywide Map.................................................MAP 1, DEF 3 
FEMA Map Information eXchange....................................MAP 3 
FEMA Map Service Center............................... REF 3, MAP 5–6 
“FIRMettes”...................................................................MAP 3 
General Rule of Rating.................................................RATE 22 
Letter of Map Amendment (LOMA) .....CN 5–6, MAP 2–3, DEF 5 
Letter of Map Revision (LOMR) ...............CN 5–6, MAP 3, DEF 5 
Locating a Specific Property...........................................MAP 2 
Map Grandfather Rules....................RATE 21–23, PRP 1, DEF 4 
Map Panel Number ........................................................MAP 1 
Map Revisions.....PRP 1, 2, 3, END 2, CN 3, 5–7, MAP 4, DEF 5 
Map Zones (Flood Zones) .......................................... MAP 1–2 
Ordering Instructions and Prices.................................MAP 3–6 
Physical Map Revision....................................................MAP 3 
FLOOD RESPONSE OFFICE (FRO)..........................................DEF 4 
FLOOD VENTS (See PROPER OPENINGS) 
FLOODPLAIN.......................................................................DEF 4 
FLOODPLAIN MANAGEMENT.................................................DEF 4 
FLOODPROOFING..................................................APP 7, RATE 30, 
CERT 3–10, DEF 4 
FLOODPROOFING CERTIFICATE FOR 
NON-RESIDENTIAL STRUCTURES..............................CERT 9–10 
FLOODPROOFING CERTIFICATE, 
RESIDENTIAL BASEMENT...........................................CERT 7–8 
FORCE-PLACEMENT (MANDATORY 
PURCHASE).............................GR 3, MPPP 1–2, CN 4, 5, DEF 5 
Foundation Wals ............................................................DEF 4 
FREEBOARD........................................................................DEF 4 
G 
GARAGES...................................................................GR 3, LFG 1 
GENERAL CHANGE ENDORSEMENT (See ENDORSEMENT) 
GENERAL PROPERTY FORM (See also STANDARD 
FLOOD INSURANCE POLICY)........ GR 1, 2, POL 1, 25–44, DEF 4 
GENERAL RULE OF RATING..............................................RATE 22 
GENERAL RULES.............................................................GR 1–15 
GRADE ELEVATION...............................................................DEF 4 
GRANDFATHERING ...............................RATE 21–23, PRP 1, DEF 4 
GROUP FLOOD INSURANCE ....................................... GR 3, DEF 4 
H 
HABITABLE AREA (See FINISHED AREA) 
HISTORIC BUILDING.............................................. RATE 15, DEF 4 
HIGH-RISE BUILDING...........................................CONDO 5, DEF 4 
HOMELAND SECURITY, U.S. DEPARTMENT OF.................... REF 1, DEF 3 
I 
ICC (See INCREASED COST OF COMPLIANCE) 
IMPROVEMENTS AND BETTERMENTS................... GR 3, 13, DEF 4 
INCIDENTAL OCCUPANCY...................................................... GR 6 
INCREASED COST OF COMPLIANCE 
(ICC) COVERAGE..................................GR 11–12, RATE 14, 16, 
CONDO 21, MPPP 1, CL 4, DEF 4 
INELIGIBLE COMMUNITY (See NON-PARTICIPATING COMMUNITY) 
INELIGIBLE PROPERTY.......................................................GR 7–8 
INFLATION FACTOR..................................................GR 11, REN 1 
INSECT SCREENING (BELOW LOWEST 
ELEVATED FLOOR)............................ RATE 7, 19–20, CONDO 19 
INSURANCE PRODUCTS, NFIP............................................... GR 3
 IND 3 October 1, 2011 
L 
LAPSE IN COVERAGE.......................................................REN 1–2 
LATTICE (BELOW LOWEST ELEVATED FLOOR)..................... RATE 7, 
19–20, 46, CONDO 19 
LETTER OF DETERMINATION 
REVIEW (LODR)............................................PRP 2, CN 4, DEF 5 
LETTER OF MAP AMENDMENT (LOMA)................. PRP 2, 3, END 2, 
CN 5–6, MAP 2–3, DEF 5 
LETTER OF MAP REVISION (LOMR)...................... PRP 2, 3, END 2, 
CN 5–6, MAP 3, DEF 5 
LOSS ASSESSMENT COVERAGE................ GR 12–13, CONDO 6–7 
LOSS HISTORY.........................................................PRP 1, SRL 1 
LOSS IN PROGRESS............................................................DEF 5 
LOWEST ADJACENT GRADE..................................................DEF 5 
LOWEST FLOOR................... APP 6, RATE 17–23, LFG 1–84, DEF 5 
Building Diagrams 1–9........................... LFG 5–8, CERT 23–25 
Building Drawings ...................................................LFG 10–84 
Lowest Floor Determination......................................... LFG 1–8 
Lowest Floor Elevation................ APP 6, RATE 15, 17–21, DEF 5 
Use of Elevation Certificate............................................. LFG 3 
LOWEST FLOOR GUIDE................................................... LFG 1–84 
LOW-RISE BUILDING .................................CONDO 1, 5, 20, DEF 5 
LEASED FEDERAL PROPERTY.........APP 7–8, GR 1, LFP 1–5, PRP 2 
M 
MACHINERY AND EQUIPMENT...............RATE 19, LFG 1–2, CERT 3 
MANDATORY PURCHASE 
(FORCE-PLACEMENT).......... GR 3, MPPP 1, 2, CN 3, 4, 5, DEF 5 
MANUFACTURED (MOBILE) HOMES/ 
TRAVEL TRAILERS..................................... GR 3–4, APP 4–6, 9, 
PR 1, DEF 3, 5, 9 
Date of Construction........................................ APP 6, RATE 15 
Doublewide.....................................................................DEF 3 
MANUFACTURED (MOBILE) HOME PARK 
OR SUBDIVISION.............................................................DEF 5 
MAPS (See FLOOD MAPS) 
Masonry Wals ................................................................DEF 5 
MEAN SEA LEVEL (See NATIONAL GEODETIC VERTICAL 
DATUM [NGVD]) 
MISCELLANEOUS RULES.............................................. GR 14–15 
Application Submission.................................................. GR 14 
Assignment of Policy...................................................... GR 15 
Commission, Producer’s................................................. GR 15 
Contract Agent Rule....................................................... GR 15 
Delivery of Policy............................................................ GR 14 
Policy Term.................................................................... GR 14 
MITIGATION, SEVERE REPETITIVE LOSS............................ SRL 1–2 
MODULAR BUILDING...........................................................DEF 5 
MORTGAGE PORTFOLIO PROTECTION 
PROGRAM (MPPP).................................GR 3, MPPP 1–5, DEF 5 
MORTGAGEE............. APP 2, RATE 17, PRP 7, MPPP 1–4, REN 2, 3 
MUDFLOW.......................................................................DEF 5–6 
MULTI-FAMILY RESIDENCE (See 2–4 FAMILY RESIDENCE, 
OTHER residential , condomini UMs) 
MULTI-PROPERTY LETTER OF MAP AMENDMENT 
(LOMA) OR LETTER OF MAP REVISION (LOMR)............... CN 5–6 
N 
NATIONAL FLOOD INSURANCE ACT OF 1968 (See ACT) 
NATIONAL FLOOD INSURANCE PROGRAM (NFIP)........ REF 1, DEF 6 
NATIONAL GEODETIC VERTICAL 
DATUM (NGVD)........................................ LFG 3, CERT 2, DEF 6 
NATURAL GRADE.................................................................DEF 6 
NEW CONSTRUCTION..........................................................DEF 6 
NFIP BUREAU AND STATISTICAL AGENT.......... REF 1, SRL 1, DEF 6 
NFIP CONTACT INFORMATION...............................................REF 3 
NFIP SERVICING AGENT................................. REF 2, SRL 1, DEF 6 
NFIP SPECIAL DIRECT FACILITY (SDF)..........REF 2, SRL 1–2, DEF 6 
NON-PARTICIPATING COMMUNITY......................................... GR 1 
NON-PAYMENT..................................................................... CN 2 
NON-RESIDENTIAL......................... GR 6, 8, CONDO 1, 4, 9, DEF 6 
NORTH AMERICAN VERTICAL 
DATUM (NAVD)......................................…LFG 3, CERT 2, DEF 6 
NOTICE OF LOSS...................................................................CL 1 
NULLIFICATION (See CANCELLATION/NULLIFICATION) 
O 
OCCUPANCY CLASSIFICATION................................ GR 5–6, APP 3 
OTHER INSURANCE.................................................MPPP 4, CN 4 
OTHER RESIDENTIAL................................................. GR 6, DEF 6 
OTHERWISE PROTECTED AREAS..........................CBRS 1–2, DEF 6 
OUT-AS-SHOWN DETERMINATION....................CN 3, MAP 3, DEF 6 
OVER WATER.................................................................... GR 4, 7 
P 
PAPERWORK BURDEN DISCLOSURE NOTICE.........................REF 6 
PARTICIPATING COMMUNITY...................................... GR 1, DEF 6 
PHOTOGRAPH REQUIREMENTS 
(FOR ELEVATION CERTIFICATE)................................... CERT 1–2 
PHYSICAL MAP REVISION (PMR)..........................................MAP 3 
POLICIES AVAILABLE..........................................................GR 1–3 
POLICY...............................................................DEF 6, POL 1–65 
POLICY RENEWALS......................GR 11, PRP 2, MPPP 4, REN 1–8 
Credit Card Payment Form.......................................... REN 2, 8 
Endorsements During Renewal Cycle.............................. REN 2 
Expiration Notice to Mortgagee....................................... 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 
Severe Repetitive Loss Policies......................REN 2, SRL 1–13 
Waiting Period............................................................ REN 1, 2 
POLICY TERM.................................. GR 14, APP 1, PRP 7, MPPP 2 
POLLUTANTS.......................................................................DEF 6 
PONDING HAZARD...............................................................DEF 6 
POST-FIRM BUILDING 
(CONSTRUCTION) ......................RATE 16, 18–20, 22–25, DEF 6 
PRE-FIRM BUILDING 
(CONSTRUCTION).................................. RATE 15, 18, 23, DEF 7 
PREFERRED RISK POLICY (PRP)..................GR 3, PRP 1–14, DEF 7 
2-Year PRP Eligibility Extension.........................................PRP 1 
Completing PRP Application Form.............................. PRP 7–11 
Condominium Rating Chart..............................................PRP 4 
Conversion of PRP to Standard-Rated Policy.....................PRP 7 
Conversion of Standard-Rated Policy to PRP 
Due to Map Revision, LOMA, or LOMR..........................PRP 3 
Conversion of Standard Rated Policy to PRP 
Due to Misrating..........................................................PRP 3 
Coverage Limitations.......................................................PRP 2 
Coverage/Premium Tables...........................................PRP 5–6 
Deductibles....................................................................PRP 3 
Discounts/Fees/ICC Premium.........................................PRP 2 
Documentation...............................................................PRP 2 
Eligibility Requirements...............................................PRP 1, 2 
Endorsements.................................................................PRP 3 
General Description........................................................PRP 1 
Ineligibility......................................................................PRP 2 
PRP Application Form..............................................PRP 13–14 
Renewal..........................................................................PRP 2 
Replacement Cost Coverage............................................PRP 2
 IND 4 October 1, 2011 
PREMIUM........................................................................ RATE 16 
Credit Card Payment.........................................APP 8, REN 2, 8 
Credit Card Payment Form.......................................... REN 2, 8 
Premium Calculation................................................... RATE 16 
Premium Discounts..............................................APP 7, CRS 1 
Premium Payment......................................APP 7, 8, CONDO 8, 
PRP 8, MPPP 3, REN 1–2 
Prepaid Amount (Total)....................................................DEF 7 
Prepaid Premium (Total)...................................................DEF 7 
Presentment of Payment (Premium)....................... GR 8, DEF 7 
Refunds................................................ END 1–2, 3–4, CN 1–6 
PREPAID AMOUNT (TOTAL) ..................................................DEF 7 
PREPAID PREMIUM (TOTAL) .................................................DEF 7 
PRESENTMENT OF PAYMENT (PREMIUM) ................... GR 8, DEF 7 
PRINCIPAL RESIDENCE........................................................DEF 7 
PRINCIPALLY ABOVE GROUND BUILDING..............................DEF 7 
PROBATION............................................................... GR 1, DEF 7 
PROBATION SURCHARGE.............................GR 1, RATE 12, DEF 7 
PROOF OF LOSS................................................................CL 1, 2 
PROPER OPENINGS (FLOOD VENTS).......... LFG 1–3, 4, 6, 8, DEF 7 
PROPERTY LOCATION................................... APP 2, PRP 8, END 3 
PROPERTY REMOVED TO SAFETY EXPENSE..........................DEF 7 
PROVISIONAL RATING............................................. PR 1–5, DEF 7 
Completing the Provisional Rating Questionnaire: 
General Directions.........................................................PR 2 
Guidance for Determining Building Elevated on Fill..........PR 2 
Eligibility Requirements.....................................................PR 1 
General Description..........................................................PR 1 
Notification Requirements.................................................PR 2 
Provisional Rating Example................................................PR 4 
Provisional Rating Questionnaire........................................PR 3 
Reformation: Endorsement Procedure................................PR 1 
Reformation: Limitations...................................................PR 1 
Sample Notice to Accompany 
Provisionally Rated Policies............................................PR 5 
R 
RATE TABLES................................ RATE 1–14, 31, CONDO 10–22, 
PRP 5–6, MPPP 1, PR 3, CRS 2 
RATING................................................ RATE 1–61, CONDO 1–31, 
CERT 3–4, END 1 
Alternative Rates..........................................RATE 21, END 1–2 
Amount of Insurance Available.......................................RATE 1 
AR, AR Dual Zones......................................................RATE 18 
Buildings in More Than One 
Flood Zone/BFE......................................GR 14, RATE 16–17 
Condominiums.....................................................CONDO 1–31 
Contents Location................................................. RATE 26–28 
Crawlspace.................................................................RATE 25 
Deductibles......................................RATE 12, 13, CONDO 5, 7 
Different Base Flood Elevations Reported............. GR 14, RATE 17 
Effect of Map Revisions on Rates.......................... RATE 21–23 
Elevation Difference...............................................RATE 17–18 
FIRMs with Wave Heights......................................RATE 29–30 
Flood Map Grandfathering................RATE 21–23, PRP 1, DEF 4 
Flood Zone Discrepancies.................................GR 14, RATE 17 
Floodproofed Buildings................................................RATE 30 
General Rule of Rating.................................................RATE 22 
Key Points for Rating............................................. RATE 16–17 
Multiple Elevation Certificates.......................................CERT 1 
Optional Elevation Rating ................................. RATE 18, LFG 3 
Premium Calculation................................................... RATE 16 
Provisional Rates....................................GR 14, PR 1–5, DEF 7 
Rate Reduction.............................................................. END 1 
Rate Tables.............................. RATE 1–14, 31, CONDO 10–22, 
PRP 5–6, MPPP 1, PR 3, CRS 2 
Rate Type.................................................................... APP 7–8 
Rating Error.................................................................END 1–2 
Rating Examples..................... RATE 17–18, 22–24, 29, 47–61, 
CONDO 23–31, END 5–12, PR 4 
Rating Steps......................................................... RATE 15–16 
Re-Rating.............................................................. RATE 23–24 
Special Rating Situations.......................................... GR 13–14 
Submit-for-Rate................................GR 14, RATE 24–25, DEF 9 
Tentative Rates.....................GR 13, RATE 11, CONDO 7, DEF 9 
V-Zone Optional Rating................................................RATE 23 
V-Zone Risk Factor Rating Form..............................RATE 33–46 
RCBAP (See RESIDENTIAL CONDOMINIUM BUILDING 
ASSOCIATION POLICY) 
RECREATIONAL VEHICLE......................................................DEF 1 
REFORMATION..............................................GR 12, MPPP 4, PR 1 
REFUNDS.................................................. END 1–2, 3–4, CN 1–6 
REGIONAL OFFICES, NFIP.................................................REF 4–5 
REGULAR PROGRAM......................................GR 1, RATE 1, DEF 7 
RENEWALS (See POLICY RENEWALS) 
REPETITIVE LOSS................GR 5, 11, REN 2, CN 7, SRL 1–13, DEF 7 
REPLACEMENT COST..................................... APP 5, RATE 20, 30, 
CONDO 6, 8, PRP 2, DEF 7 
RESIDENTIAL................................................ GR 5–6, CONDO 1–5 
RESIDENTIAL BASEMENT FLOODPROOFING 
CERTIFICATE..............................................................CERT 7–8 
RESIDENTIAL CONDOMINIUM BUILDING...........CONDO 1–5, DEF 8 
RESIDENTIAL CONDOMINIUM BUILDING ASSOCIATION 
POLICY (RCBAP) (See also STANDARD FLOOD 
INSURANCE POLICY) ...................GR 1, 2, APP 4, CONDO 1–31, 
POL 1, 45–65 
Application Form....................................................CONDO 7–8 
Assessment Coverage............................................CONDO 6–7 
Building Type..........................................................CONDO 7–8 
Cancellation or Endorsement of Existing 
Unit Owners’ Dwelling Policies................................ CONDO 7 
Coinsurance.............................................................. CONDO 6 
Commission, Producer’s............................................ CONDO 7 
Condominium Building in the Course 
of Construction.................................................. CONDO 5–6 
Coverage, Building..................................................CONDO 1–9 
Coverage, Contents................................................CONDO 1–8 
Coverage Limits.................................................... CONDO 6, 8 
Deductibles.................................................CONDO 5, 7, 8, 22 
Determining Rates and Fees...................................... CONDO 8 
Eligibility Requirements............................................. CONDO 5 
Federal Policy Fee..................................................CONDO 7–8 
Property Covered....................................................CONDO 6–7 
Rate Tables........................................................CONDO 10–22 
Rating Examples............................................... CONDO 23–31 
Replacement Cost......................................... CONDO 1, 6, 8, 9 
Tentative Rates and Scheduled 
Buildings......................................... GR 3, APP 10, CONDO 7 
ROWHOUSES/TOWNHOUSES..................................... CONDO 1, 8 
S 
SCHEDULED BUILDING POLICY............................GR 3, APP 1, 10, 
CONDO 7, DEF 7 
SCREENING, INSECT (BELOW LOWEST 
ELEVATED FLOOR)............................ RATE 7, 19–20, CONDO 19 
SECTION 1316...........................................................GR 7, DEF 7 
SEPARATE BUILDING (See SINGLE BUILDING) 
SEVERE REPETITIVE LOSS PROPERTIES....................GR 5, REN 2, 
CN 6, SRL 1–13, DEF 8 
SFIP (See STANDARD FLOOD INSURANCE POLICY) 
SHEAR WALLS........................................................... GR 5, DEF 8 
SHEET FLOW HAZARD..........................................................DEF 8 
SILOS.............................................................................. GR 4, 6 
SINGLE ADJUSTER PROGRAM.................................CL 3–4, DEF 8 
SINGLE BUILDING...................................................... GR 5, DEF 8
 IND 5 October 1, 2011 
SINGLE-FAMILY RESIDENCE (DWELLING).................... GR 5, DEF 8 
SLATS OR SHUTTERS (BELOW LOWEST 
ELEVATED FLOOR)............................ RATE 7, 19–20, CONDO 19 
SOLID PERIMETER FOUNDATION WALLS............................... GR 5, 
RATE 8, DEF 8 
SPECIAL CERTIFICATIONS............................................ CERT 1–25 
SPECIAL DIRECT FACILITY (See NFIP SPECIAL DIRECT FACILITY) 
SPECIAL FLOOD HAZARD AREA (SFHA)..................MAP 1–2, DEF 8 
SPECIAL RATING SITUATIONS....................GR 13–14, RATE 20–25 
Alternative Rates................................................... RATE 20–21 
Buildings in More Than One 
Flood Zone.............................................GR 14, RATE 16–17 
Crawlspace.................................................................RATE 25 
Different Base Flood Elevations Reported............. GR 14, RATE 17 
Flood Zone Discrepancies..................................... GR 14, RATE 17 
NFIP Grandfather Rules: Effect of Map 
Revisions on Rates............................................ RATE 21–23 
Policies Requiring Re-Rating.................................. RATE 23–24 
Post-’81 V Zone Optional Rating...................................RATE 23 
Provisional Rates.................................................GR 14, DEF 7 
Special Rates..............................................................RATE 21 
Submit-for-Rate...............................GR 14, RATE 24–25, DEF 9 
Tentative Rates.....................GR 13, RATE 11, CONDO 7, DEF 9 
SPLIT LEVEL........................................................................DEF 8 
STANDARD FLOOD INSURANCE POLICY (SFIP)........................ GR 1 
POL 1–65, DEF 8 
Agreement..........................................................POL 3, 23, 43 
Claim Guidelines in Case of a Flood...................POL 21, 40, 61 
Coinsurance..................................................................POL 56 
Deductibles................................................POL 14, 36, 55–56 
Definitions........................................... POL 5–7, 27–29, 47–49 
Dwelling Form................................................ POL 3–23, DEF 8 
Exclusions......................................POL 13–14, 35–36, 54–55 
General Conditions..........................POL 14–22, 36–42, 57–63 
General Property Form..................................POL 25–44, DEF 8 
Liberalization Clause........................................ POL 22, 43, 64 
Property Covered...............................POL 7–12, 29–34, 49–54 
Property Not Covered............................POL 12–13, 34–35, 54 
Residential Condominium Building 
Association Policy.................................POL 45–65, DEF 7, 8 
Summary of Significant Changes, 
December 2000..............................................POL 4, 26, 46 
What Law Governs............................................ POL 22, 43, 64 
START OF CONSTRUCTION...................................................DEF 8 
STOCK................................................................................DEF 8 
SUBGRADE CRAWLSPACE......................................CONDO 11–18, 
RATE 25, DEF 8 
SUBMIT-FOR-RATE...............................GR 14, RATE 24–25, DEF 9 
SUBSTANTIAL DAMAGE........................ GR 11–12, RATE 24, DEF 9 
SUBSTANTIAL IMPROVEMENT.............................................APP 6, 
RATE 15–16, 23–25, DEF 9 
SUSPENSION............................................................ GR 1, DEF 9 
T 
2–4 FAMILY RESIDENCE (DWELLING).......................... GR 6, DEF 9 
TECHNICAL ASSISTANCE......................................................REF 1 
TELEPHONE NUMBERS.................................................... REF 2–5 
TENTATIVE RATES................................GR 13, RATE 20, CONDO 7, 
LFP 1, 2, DEF 9 
TIMESHARES........................................................................ GR 7 
TOWNHOUSES/ROWHOUSES..................................... CONDO 1, 8 
TRANSFER OF BUSINESS.........................................GR 15, REN 2 
TRANSFER OF TITLE............................................................ GR 15 
TRAVEL TRAILERS (See MANUFACTURED [MOBILE] 
HOMES/TRAVEL TRAILERS) 
U 
UNDERGROUND BUILDING...................................................DEF 9 
UNFINISHED AREA...............................................................DEF 9 
UNFINISHED BASEMENT......................................................APP 3 
UNIT...................................................................................DEF 9 
V 
VALUED POLICY...................................................................DEF 9 
VARIANCE...........................................................................DEF 9 
VEHICLES AND EQUIPMENT.................................................. GR 6 
V-ZONE OPTIONAL RATING...............................................RATE 23 
V-ZONE RISK FACTOR RATING FORM...........................RATE 33–46 
W 
WAITING PERIOD.....................GR 8–11, MPPP 3, REN 1, 2, DEF 9 
WALLED AND ROOFED............................................... GR 5, DEF 9 
WALLS....................................GR 5, RATE 19–20, LFG 1–3, DEF 8 
Breakaway Walls................. GR 5, RATE 19–20, LFG 2–3, DEF 1 
Common Interior Walls...................................................... GR 5 
Foundation Walls.............................................................DEF 4 
Masonry Walls.................................................................DEF 5 
Openings in Foundation Walls...................................... LFG 1–2 
Shear Walls........................................................... GR 5, DEF 8 
Solid Perimeter Foundation Walls...............GR 5, RATE 8, DEF 8 
WAVE HEIGHT.......................................APP 7, RATE 29–30, DEF 9 
Calculating Wave Height Adjustment............................RATE 29 
WHOLE DOLLAR PREMIUM............................................... RATE 16 
WIND LOSSES...................................................................CL 3, 4 
WRITE YOUR OWN (WYO) PROGRAM.......................... REF 1, DEF 9 
Z 
ZONE (See also Map Zones 
under FLOOD MAPS).........................................MAP 1–2, DEF 9 
Discrepancies..................................................GR 14, RATE 17