(FRONT COVER) FRONT COVER
U.S. Department of Homeland Security 
500 C Street SW 
Washington, DC 20472 


July 2008 

Dear Flood Insurance Manual Subscribers: 

As we move forward to improve the National Flood Insurance Program (NFIP), it is my goal to ensure 
that you have up-to-date information so you can assist your customers in securing the best flood 
insurance protection available for their individual needs. Revisions have been made to the NFIP Flood 
Insurance Manual that will become effective October 1, 2008. All of the changes are shown on the 
enclosed amended pages, and related footers have been modified to reflect the October 1, 2008, effective 
date. The significant revisions include the following: 

 Updates the list of NFIP Bureau and Statistical Agent Regional Offices (REF Section); 
 Explains two exceptions to the provisions for reduction or reformation of coverage limits described 
in the Standard Flood Insurance Policy at Paragraph G of GENERAL CONDITIONS (GR Section); 
 Stipulates that, for a building to qualify for floodproofing credit in an AO Zone, where the Flood 
Insurance Rate Map does not provide Base Flood Elevations, the building must be floodproofed to at 
least 1 foot higher than the Base Flood Depth (RATE Section); 
 Clarifies that individual residential condominium units in a nonresidential condominium building are 
not eligible for building coverage (CONDO Section); 
 Clarifies that the loss history criteria determining a buildings eligibility for the Preferred Risk Policy 
apply to any 10-year period of the buildings existence, regardless of ownership (PRP Section); 
 Clarifies certain documentation and refund eligibility requirements related to cancellation/ 
nullification of policies (CN Section); 
 Updates the Community Rating System Eligible Communities list (CRS section); and 
 Adds a discussion of the Severe Repetitive Loss Pilot Grant Program and provides samples of 
letters that will be sent to policyholders, agents, and lenders of buildings eligible for mitigation grants 
(SRL Section). 
Thank you for your continued support of the NFIP.

 Sincerely,

 
David I. Maurstad 
Federal Insurance Administrator 
National Flood Insurance Program 

Enclosure 

www.fema.gov 


Change Record Page
Effective Date: October 1, 2008


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

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

Remove Insert 

 i-ii, xi-xii, xv 
REF 5-6 
GR 11-13 
RATE 31-32 
CONDO 1-2, 11-12, 17-18 
CERT 3-4 
PRP 1-2 
CN 1-8 
MAP 3-6 
CRS 1-28 
SRL 1-8 
IND 1-5 

i-ii, xi-xii, xv 
REF 5-6 
GR 11-14 
RATE 31-32 
CONDO 1-2, 11-12, 17-18 
CERT 3-4 
PRP 1-2 
CN 1-8 
MAP 3-6 
CRS 1-28 
SRL 1-13 
IND 1-5 


(FRONT COVER) FRONT COVER

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TABLE OF CONTENTS


SECTION PAGE 

REFERENCE .............................................................................................................................. REF 1


I. INTRODUCTION TO THE NATIONAL FLOOD INSURANCE PROGRAM ................. REF 1 


II. THE WRITE YOUR OWN PROGRAM......................................................................... REF 1 


III. TECHNICAL ASSISTANCE ......................................................................................... REF 2 


A. WYO Companies ................................................................................................. REF 2 


B. NFIP Servicing Agent (NFIP Direct)..................................................................... REF 2 


C. Special Direct Facility........................................................................................... REF 2 


PAPERWORK BURDEN DISCLOSURE NOTICE................................................................ REF 7 


GENERAL RULES ..................................................................................................................... GR 1 


I. COMMUNITY ELIGIBILITY .......................................................................................... GR 1 


A. Participating (Eligible) Communities .................................................................... GR 1 


B. Emergency Program ............................................................................................ GR 1 


C. Regular Program.................................................................................................. GR 1 


D. Maps..................................................................................................................... GR 1 


E. Probation.............................................................................................................. GR 1 


F. Suspension........................................................................................................... GR 1 


G. Non-Participating (Ineligible) Communities.......................................................... GR 1 


H. Coastal Barrier Resources Act............................................................................. GR 1 


I. Federal Land ........................................................................................................ GR 1 


II. POLICIES AND PRODUCTS AVAILABLE................................................................... GR 1 


A. Standard Flood Insurance Policy ......................................................................... GR 1 


B. Insurance Products .............................................................................................. GR 2 


III. BUILDING PROPERTY ELIGIBILITY .......................................................................... GR 3 


A. Eligible Buildings .................................................................................................. GR 3 


B. Single Building ..................................................................................................... GR 5 


C. Walls..................................................................................................................... GR 5 


D. Determination of Building Occupancy.................................................................. GR 5 


IV. CONTENTS ELIGIBILITY............................................................................................. GR 6 


A. Eligible Contents .................................................................................................. GR 6 


B. Vehicles and Equipment ...................................................................................... GR 6 


C. Silos, Grain Storage Buildings, and Cisterns....................................................... GR 6 


D. Commercial Contents Coverage.......................................................................... GR 6 


V. EXAMPLES OF ELIGIBLE RISKS ............................................................................... GR 6 


A. Building Coverage................................................................................................ GR 6 


B. Contents Coverage .............................................................................................. GR 6 


C. Condominiums ..................................................................................................... GR 6 


VI. INELIGIBLE PROPERTY ............................................................................................. GR 6 


A. Buildings............................................................................................................... GR 6 


B. Container-Type Buildings..................................................................................... GR 7 


C. Buildings Entirely Over Water .............................................................................. GR 7 


D. Buildings Partially Underground........................................................................... GR 7 


E. Basement/Elevated Building Enclosures ............................................................. GR 7 


i May 1, 2008 


TABLE OF CONTENTS (Continued) 

SECTION PAGE 

VII. EXAMPLES OF INELIGIBLE RISKS............................................................................ GR 7 


A. Building Coverage................................................................................................ GR 7 


B. Contents Coverage .............................................................................................. GR 7 


C. Non-Residential Condominium Unit..................................................................... GR 8 


VIII. POLICY EFFECTIVE DATE......................................................................................... GR 8 


A. Evidence of Insurance.......................................................................................... GR 8 


B. Start of Waiting Period ......................................................................................... GR 8 


C. Effective Date....................................................................................................... GR 8 


IX. COVERAGE ................................................................................................................. GR 10 


A. Limits of Coverage ............................................................................................... GR 10 


B. Deductibles........................................................................................................... GR 10 


C. Coverage D - Increased Cost of Compliance (ICC) Coverage............................ GR 10 


D. Reduction of Coverage Limits or Reformation..................................................... GR 11 


E. Loss Assessments ............................................................................................... GR 11 


F. Improvements and Betterments and Tenants Coverage .................................... GR 12 


X. SPECIAL RATING SITUATIONS ................................................................................. GR 12 


A. Tentative Rates .................................................................................................... GR 12 


B. Submit-For-Rate................................................................................................... GR 13 


C. Provisional Rates ................................................................................................. GR 13 


D. Buildings in More Than One Flood Zone ............................................................. GR 13 


E. Different Base Flood Elevations (BFEs) Reported............................................... GR 13 


F. Flood Zone Discrepancies ................................................................................... GR 13 


XI. MISCELLANEOUS RULES.......................................................................................... GR 13 


A. Policy Term .......................................................................................................... GR 13 


B. Application Submission........................................................................................ GR 13 


C. Delivery of the Policy............................................................................................ GR 13 


D. Assignment........................................................................................................... GR 13 


E. Producers Commissions (Direct Business Only) ................................................ GR 13 


F. Contract Agent Rule............................................................................................. GR 14 


APPLICATION........................................................................................................................... APP1 


I. USE OF THE FORM .................................................................................................... APP 1 


II. TYPES OF BUILDINGS ............................................................................................... APP 1 


III. SCHEDULED BUILDING POLICY ............................................................................... APP 1 


IV. COMPLETING PART 1 OF THE FLOOD INSURANCE APPLICATION FORM ......... APP 1 


A. Policy Status......................................................................................................... APP 1 


B. Policy Term (Billing/Policy Period) ....................................................................... APP 1 


C. Agent Information................................................................................................. APP 2 


D. Insured Mail Address ........................................................................................... APP 2 


E. Disaster Assistance.............................................................................................. APP 2 


F. First Mortgagee .................................................................................................... APP 2 


G. Second Mortgagee or Other................................................................................. APP 2 


H. Property Location ................................................................................................ APP 2 


I. Community ........................................................................................................... APP 2 


J. Building ................................................................................................................ APP 3 


K. Contents............................................................................................................... APP 4 


L. Construction Data ................................................................................................ APP 4 


M. Coverage and Rating ........................................................................................... APP 6 


N. Signature.............................................................................................................. APP 6 


ii October 1, 2008 


TABLE OF CONTENTS (Continued) 

SECTION PAGE 

V. COMPLETING PART 2 OF THE FLOOD INSURANCE APPLICATION FORM ......... APP 7 
Section I - All Building Types........................................................................................ APP 7 
Section II - Elevated Buildings...................................................................................... APP 7 
Section III - Manufactured (Mobile) Homes/Travel Trailers.......................................... APP 8 


VI. MAILING INSTRUCTIONS........................................................................................... APP 8 


VII. HANDLING OF INCOMPLETE OR INCORRECT APPLICATIONS ............................ APP 8 


RATING ..................................................................................................................................... RATE 1 


I. AMOUNT OF INSURANCE AVAILABLE ..................................................................... RATE 1 


II. RATE TABLES ............................................................................................................. RATE 1 


III. DEDUCTIBLES ............................................................................................................ RATE 12 


A. Buy-Back Deductibles..........................................................................................RATE 12 


B. Changes in Deductible Amount............................................................................ RATE 12 


IV. INCREASED COST OF COMPLIANCE (ICC) COVERAGE ....................................... RATE 14 


V. RATING STEPS ........................................................................................................... RATE 15 


VI. PREMIUM CALCULATION .......................................................................................... RATE 16 


A. Emergency Program ............................................................................................ RATE 16 


B. Regular Program.................................................................................................. RATE 16 


VII. KEY POINTS FOR RATING......................................................................................... RATE 17 


A. Basic Limits and Additional Limits........................................................................ RATE 17 


B. Whole Dollars....................................................................................................... RATE 17 


C. Increased Cost of Compliance (ICC) Premium.................................................... RATE 17 


D. Federal Policy Fee ............................................................................................... RATE 17 


E. Buildings in More Than One Flood Zone ............................................................. RATE 17 


F. Different Base Flood Elevations (BFEs) Reported............................................... RATE 17 


G. Flood Zone Discrepancies ................................................................................... RATE 17 


H. Mortgagee on Policy--Higher Deductible Requested........................................... RATE 17 


VIII. REGULAR PROGRAM, POST-FIRM ELEVATION-RATED RISKS............................ RATE 17 


A. Elevation Difference............................................................................................. RATE 17 


B. Examples.............................................................................................................. RATE 18 


C. Optional Elevation Rating..................................................................................... RATE 19 


IX. PRE-FIRM ELEVATED BUILDING RATED AT PRE-FIRM RATES............................ RATE 19 


X. AR ZONE AND AR DUAL ZONE RATING................................................................... RATE 19 


XI. POST-FIRM AO ZONE RATING.................................................................................. RATE 19 


XII. POST-FIRM RATING OF ELEVATED BUILDINGS IN ZONES B, C, X, A99, 
AND D......................................................................................................................... RATE 19 

XIII. REGULAR PROGRAM V ZONE POST-FIRM CONSTRUCTION............................... RATE 19 


A. Rating All V Zone Buildings.................................................................................. RATE 19 


B. Zones VE and V1-V30--Enclosure Containing Machinery or 
Equipment Below BFE ...................................................................................... RATE 19 

iii May 1, 2008 


TABLE OF CONTENTS (Continued) 

SECTION PAGE 

C. 1975-81 Post-FIRM V Zone Construction............................................................ RATE 20 


D. 1981 Post-FIRM V Zone Construction ................................................................. RATE 20 


E. Elevated Buildings--1981 Post-FIRM V Zone Construction................................. RATE 20 


 XIV. SPECIAL RATING SITUATIONS ................................................................................. RATE 21 


A. Tentative Rates .................................................................................................... RATE 21


B. Alternative Rates.................................................................................................. RATE 21


C. Map "Grandfather" Rules--Effect of Map Revisions on Flood Insurance Rates .. RATE 21 

D. Post-81 V Zone Optional Rating.......................................................................... RATE 23 


E. Policies Requiring Re-Rating ............................................................................... RATE 23 


F. Submit-for-Rate.................................................................................................... RATE 24


G. Crawl Space......................................................................................................... RATE 25 


XV. CONTENTS LOCATION .............................................................................................. RATE 26 


A. Single Family Dwellings ....................................................................................... RATE 26 


B. Multi-Family and Non-Residential Buildings ........................................................ RATE 26 


XVI. FIRMS WITH WAVE HEIGHTS ................................................................................... RATE 30 


A. Procedure for Calculating Wave Height Adjustment............................................ RATE 30 


B. Wave Heights in Numbered Zones V1-V30 and VE 1981 Post-FIRM Construction ... RATE 30 

C. Unnumbered V Zones 1981 Post-FIRM Construction ......................................... RATE 31 


D. Rate Selection Procedure .................................................................................... RATE 31 


 XVII. FLOODPROOFED BUILDINGS................................................................................... RATE 31 


A. Elevation Difference............................................................................................. RATE 31 


B. Rating................................................................................................................... RATE 31 


XVIII.THE V-ZONE RISK FACTOR RATING FORM ............................................................ RATE 32 


A. Use ..................................................................................................................... RATE 32 


B. Submission........................................................................................................... RATE 32 


XIX. RATING EXAMPLES.................................................................................................... RATE 49 


CONDOMINIUMS ..................................................................................................................... CONDO 1 


I. METHODS OF INSURING CONDOMINIUMS............................................................. CONDO 1 


A. Residential Condominium: Association Coverage on Building and Contents .... CONDO 1 

B. Residential Condominium: Unit Owner's Coverage on Building and Contents. . CONDO 1 

C. Other Residential Condominium: Condominium Association Policy, 
Association Coverage on Building and Contents............................................... CONDO 1 

D. Nonresidential (Commercial) Condominium: Building and Contents.................. CONDO 2 


E. Nonresidential (Commercial) Condominium: Unit Owner's Coverage 
(Contents)........................................................................................................... CONDO 2

 II. POLICY FORM............................................................................................................. CONDO 6 


III. ELIGIBILITY REQUIREMENTS ................................................................................... CONDO 6 


A. General Building Eligibility.................................................................................... CONDO 6 


B. Condominium Building in the Course of Construction ......................................... CONDO 6 


IV. COVERAGE ................................................................................................................. CONDO 6


A. Property Covered ................................................................................................. CONDO 6 


B. Coverage Limits ................................................................................................... CONDO 7 


C. Replacement Cost................................................................................................ CONDO 7 


D. Coinsurance ......................................................................................................... CONDO 7 


E. Assessment Coverage......................................................................................... CONDO 7 


iv May 1, 2008 


TABLE OF CONTENTS (Continued) 

SECTION PAGE 

V. DEDUCTIBLES AND FEES ......................................................................................... CONDO 8 


A. Deductibles........................................................................................................... CONDO 8 


B. Federal Policy Fee ............................................................................................... CONDO 8 


VI. TENTATIVE RATES AND SCHEDULED BUILDINGS ................................................ CONDO 8 


VII. COMMISSIONS (DIRECT BUSINESS ONLY)............................................................. CONDO 8 


VIII. CANCELLATION OR ENDORSEMENT OF 
UNIT OWNERS' DWELLING POLICIES .................................................................... CONDO 8 

IX. APPLICATION FORM .................................................................................................. CONDO 8 


A. Type of Building ................................................................................................... CONDO 8 


B. Replacement Cost Value .................................................................................... CONDO 8 


C. Coverage..............................................................................................................CONDO 9 


D. Rates and Fees.................................................................................................... CONDO 9 


X. CONDOMINIUM RATING EXAMPLES........................................................................ CONDO 23 


LOWEST FLOOR GUIDE........................................................................................................... LFG 1 


I. LOWEST FLOOR DETERMINATION.......................................................................... LFG 1 


A. Non-Elevated Buildings........................................................................................ LFG 1 


B. Elevated Buildings in A Zones ............................................................................. LFG 1 


C. Elevated Buildings in V Zones ............................................................................. LFG 2 


II. USE OF ELEVATION CERTIFICATE .......................................................................... LFG 2 


A. Mandatory Use of Elevation Certificate................................................................ LFG 2 


B. Optional Rating Using the Elevation Certificate................................................... LFG 2 


III. SPECIFIC BUILDING DRAWINGS .............................................................................. LFG 8 


SPECIAL CERTIFICATIONS ..................................................................................................... CERT 1 


I. NFIP ELEVATION CERTIFICATE ............................................................................... CERT 1 


II. PHOTOGRAPH REQUIREMENTS.............................................................................. CERT 1 


III. USING THE ELEVATION CERTIFICATE: SPECIAL CONSIDERATIONS ................ CERT 2 
Section A - Property [Owner] Information .................................................................... CERT 2 
Section B - Flood Insurance Rate Map (FIRM) Information......................................... CERT 2 
Section C - Building Elevation Information (Survey Required) .................................... CERT 2 
Section D - Surveyor, Engineer, or Architect Certification ........................................... CERT 3 
Section E - Building Elevation Information (Survey Not Required) for Zone AO and 
Zone A (Without BFE) ................................................................................................ CERT 3 
Section F - Property Owner (or Owner's Representative) Certification........................ CERT 3 
Section G - Community Information (Optional) ............................................................ CERT 3 


IV. FLOODPROOFING CERTIFICATE ............................................................................. CERT 3 


A. Purpose and Eligibility.......................................................................................... CERT 3 


B. Specifications ....................................................................................................... CERT 3 


C. Rating................................................................................................................... CERT 4 


D. Certification .......................................................................................................... CERT 4


v May 1, 2008 


TABLE OF CONTENTS (Continued) 

SECTION PAGE 

PREFERRED RISK POLICY...................................................................................................... PRP 1 


I. GENERAL DESCRIPTION........................................................................................... PRP 1 


II. ELIGIBILITY REQUIREMENTS ................................................................................... PRP 1 


A. Flood Zone .......................................................................................................... PRP 1


B. Occupancy .......................................................................................................... PRP 1 


C. Loss History......................................................................................................... PRP 1 


III. INELIGIBILITY.............................................................................................................. PRP 2 


IV. DOCUMENTATION......................................................................................................PRP 2 


V. RENEWAL....................................................................................................................PRP 2 


VI. COVERAGE LIMITS..................................................................................................... PRP 2 


VII. REPLACEMENT COST COVERAGE .......................................................................... PRP 2 


VIII. DISCOUNTS/FEES/ICC PREMIUM............................................................................. PRP 2 


IX. DEDUCTIBLES ............................................................................................................ PRP 2 


X. ENDORSEMENTS ....................................................................................................... PRP 2 


XI. CONVERSION OF STANDARD RATED POLICY TO PRP DUE TO MISRATING..... PRP 6 

XII. CONVERSION OF STANDARD RATED POLICY TO PRP DUE TO 
MAP REVISION, LOMA, OR LOMR .......................................................................... PRP 6 

XIII. CONVERSION OF PRP TO STANDARD RATED POLICY ........................................ PRP 6 


XIV. COMPLETING THE FLOOD INSURANCE 
PREFERRED RISK POLICY APPLICATION............................................................. PRP 6 

A. Policy Status......................................................................................................... PRP 6 


B. Policy Term .......................................................................................................... PRP 6


C. Agent Information................................................................................................. PRP 7 


D. Insureds Mailing Address.................................................................................... PRP 7 


E. Disaster Assistance.............................................................................................. PRP 7 


F. First Mortgagee .................................................................................................... PRP 7 


G. Second Mortgagee or Other................................................................................. PRP 7 


H. Property Location ................................................................................................. PRP 7 


I. Community ........................................................................................................... PRP 7 


J. Building and Contents.......................................................................................... PRP 7 


K. Notice ................................................................................................................... PRP 8 


L. Premium............................................................................................................... PRP 8 


M. Signature.............................................................................................................. PRP 8 


MORTGAGE PORTFOLIO PROTECTION PROGRAM ............................................................ MPPP 1 


I. BACKGROUND............................................................................................................ MPPP 1 


II. REQUIREMENTS FOR PARTICIPATING IN THE MPPP ........................................... MPPP 2 


A. General................................................................................................................. MPPP 2 


B. WYO Arrangement Article III--Fees ..................................................................... MPPP 2 


C. Use of WYO Company Fees for Lenders/Servicers or Others ............................ MPPP 2 


D. Notification............................................................................................................ MPPP 2 


E. Eligibility ............................................................................................................... MPPP 3 


F. Source of Offering ................................................................................................ MPPP 3 


G. Dual Interest......................................................................................................... MPPP 3 


H. Term of Policy ...................................................................................................... MPPP 3


vi May 1, 2008 


TABLE OF CONTENTS (Continued) 

SECTION PAGE 

I. Coverage Offered................................................................................................. MPPP 3 


J. Policy Form .......................................................................................................... MPPP 4 


K. Waiting Period...................................................................................................... MPPP 4


L. Premium Payment................................................................................................ MPPP 4 


M. Underwriting--Application..................................................................................... MPPP 4 


N. Rates.................................................................................................................... MPPP 4 


O. Policy Declaration Page Notification Requirements............................................. MPPP 4 


P. Policy Reformation--Policy Correction ................................................................. MPPP 5 


Q. Coverage Basis--Actual Cash Value or Replacement Cost................................. MPPP 5 


R. Deductible ............................................................................................................ MPPP 5 


S. Federal Policy Fee ............................................................................................... MPPP 5 


T. Renewability......................................................................................................... MPPP 5 


U. Cancellations........................................................................................................ MPPP 6 


V. Endorsement........................................................................................................MPPP 6 


W. Assignment to a Third Party................................................................................. MPPP 6 


X. Article XIII--Restriction on Other Flood Insurance ............................................... MPPP 6 


GENERAL CHANGE ENDORSEMENT..................................................................................... END 1 


I. ENDORSEMENT RULES............................................................................................. END 1 


A. Coverage Endorsements ..................................................................................... END 1 


B. Rating Endorsements........................................................................................... END 1 


C. Misrated Policy..................................................................................................... END 2 


D. Conversion of Standard Rated Policy to PRP Due to Misrating or Map RevisionEND 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 Last 90 Days of Policy Term .................................................................... END 2 


B. During Last 75 Days of Policy Term .................................................................... END 3 


C. Refunds Generated from Endorsement Processing ............................................ END 3 


III. PREPARATION OF FORM .......................................................................................... END 3 


A. General Instructions ............................................................................................. END 3 


B. Refund Processing Procedures ........................................................................... END 3 


IV. ENDORSEMENT RATING EXAMPLES ...................................................................... END 5 


POLICY RENEWALS ................................................................................................................. REN 1 


I. GENERAL INFORMATION .......................................................................................... REN 1 


II. RENEWAL NOTICE ..................................................................................................... REN 1 


A. Renewing for the Same Coverage--Option A ...................................................... REN 1 


B. Inflation Factor--Option B..................................................................................... REN 1 


C. Nonrenewal and Cancellation .............................................................................. REN 1 


III. PREMIUM PAYMENT DUE.......................................................................................... REN 1 


IV. FINAL NOTICE............................................................................................................. REN 2 


V. RENEWAL EFFECTIVE DATE DETERMINATION ..................................................... REN 2 


VI. INSUFFICIENT RENEWAL INFORMATION................................................................ REN 2 


VII. ENDORSEMENTS DURING RENEWAL CYCLE........................................................ REN 2 


VIII. SEVERE REPETITIVE LOSS PROPERTIES.............................................................. REN 2


vii May 1, 2008 


TABLE OF CONTENTS (Continued) 

SECTION PAGE 

CANCELLATION/NULLIFICATION ........................................................................................... 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 Mail Address ........................................................................................... CN 7 


E. First Mortgagee .................................................................................................... CN 7 


F. Other Parties Notified...........................................................................................CN 7 


G. Property Location ................................................................................................. CN 7 


H. Cancellation Reason Code .................................................................................. CN 8 


I. Refund.................................................................................................................. CN 8 


J. Signature.............................................................................................................. CN 8 
CLAIMS ..................................................................................................................................... CL 1 


I. INSURED'S RESPONSIBILITIES ................................................................................ CL 1 


A. Filing a Claim........................................................................................................ CL 1 


B. Appealing a Claim ................................................................................................ CL 1 


II. PRODUCER'S RESPONSIBILITIES............................................................................ CL 3 


III. SINGLE ADJUSTER PROGRAM IMPLEMENTATION ............................................... CL 3 


A. Schedule and Notification .................................................................................... CL 3 


B. Training ................................................................................................................ CL 4 


C. Producer Responsibilities..................................................................................... CL 4 


IV. INCREASED COST OF COMPLIANCE (ICC) CLAIMS .............................................. CL 4 
POLICY ..................................................................................................................................... POL 1 
DWELLING FORM: 
SUMMARY OF SIGNIFICANT CHANGES, DECEMBER 2000 ........................................... POL 2 

I. AGREEMENT............................................................................................................... POL 3 


II. DEFINITIONS............................................................................................................... POL 3


 III. PROPERTY COVERED............................................................................................... POL 5 


IV. PROPERTY NOT COVERED ...................................................................................... POL 10 


V. EXCLUSIONS .............................................................................................................. POL 11 


VI. DEDUCTIBLES ............................................................................................................ POL 12 


VII. GENERAL CONDITIONS............................................................................................. POL 12 


VIII. LIBERALIZATION CLAUSE ......................................................................................... POL 20 


IX. WHAT LAW GOVERNS ............................................................................................... POL 20 


CLAIM GUIDELINES IN CASE OF A FLOOD ...................................................................... POL 21 


viii May 1, 2008 


TABLE OF CONTENTS (Continued) 

SECTION PAGE 
GENERAL PROPERTY FORM: 
SUMMARY OF SIGNIFICANT CHANGES, DECEMBER 2000............................................ POL 22 

I. AGREEMENT............................................................................................................... POL 23 


II. DEFINITIONS...............................................................................................................POL 23 


III. PROPERTY COVERED............................................................................................... POL 25 


IV. PROPERTY NOT COVERED ...................................................................................... POL 30 


V. EXCLUSIONS .............................................................................................................. POL 31 


VI. DEDUCTIBLES ............................................................................................................ POL 32 


VII. GENERAL CONDITIONS............................................................................................. POL 32 


VIII. LIBERALIZATION CLAUSE ......................................................................................... POL 39 


IX. WHAT LAW GOVERNS ............................................................................................... POL 39 
CLAIM GUIDELINES IN CASE OF A FLOOD ...................................................................... POL 40 
RESIDENTIAL CONDOMINIUM BUILDING ASSOCIATION POLICY: 
SUMMARY OF SIGNIFICANT CHANGES, DECEMBER 2000............................................ POL 42 

I. AGREEMENT............................................................................................................... POL 43 


II. DEFINITIONS...............................................................................................................POL 43 


III. PROPERTY COVERED............................................................................................... POL 45 


IV. PROPERTY NOT COVERED ...................................................................................... POL 50 


V. EXCLUSIONS .............................................................................................................. POL 50 


VI. DEDUCTIBLES ............................................................................................................ POL 51 


VII. COINSURANCE ........................................................................................................... POL 52 


VIII. GENERAL CONDITIONS............................................................................................. POL 53 


IX. LIBERALIZATION CLAUSE ......................................................................................... POL 60 


X. WHAT LAW GOVERNS ............................................................................................... POL 60 
CLAIM GUIDELINES IN CASE OF A FLOOD ...................................................................... POL 61 


ix May 1, 2008 


TABLE OF CONTENTS (Continued) 

SECTION PAGE 

FLOOD MAPS ............................................................................................................................ MAP 1 


I. OVERVIEW .................................................................................................................. MAP 1 


A. Types of Flood Maps............................................................................................ MAP 1 


B. Map Information ................................................................................................... MAP 1 


C. Communities Without a Map................................................................................ MAP 1 


II. MAP ZONES ................................................................................................................ MAP 2 


A. Special Flood Hazard Areas (SFHAs) ................................................................. MAP 2 


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 3 


A. Letter of Map Amendment (LOMA)...................................................................... MAP 3 


B. Letter of Map Revision (LOMR) ........................................................................... MAP 3 


C. Physical Map Revision ......................................................................................... MAP 3 


V. ORDERING FLOOD MAPS.......................................................................................... MAP 4 


A. Ordering Instructions............................................................................................ MAP 4 


B. Prices ................................................................................................................... MAP 4 


C. Map Revisions...................................................................................................... MAP 4 


PROVISIONAL RATING............................................................................................................. 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 


C. Endorsement Alternative...................................................................................... PR 1 


IV. NOTIFICATION REQUIREMENTS .............................................................................. PR 1 


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 


COASTAL BARRIER RESOURCES SYSTEM.......................................................................... CBRS 1 


LIST OF COMMUNITIES ...................................................................................................... CBRS 3 


COMMUNITY RATING SYSTEM ............................................................................................... CRS 1 


I. GENERAL DESCRIPTION........................................................................................... CRS 1 


II. ELIGIBILITY ................................................................................................................. CRS 1 


III. CLASSIFICATIONS AND DISCOUNTS....................................................................... CRS 1 


x May 1, 2008 


TABLE OF CONTENTS (Continued) 

SECTION PAGE 

IV. CRS ACTIVITIES THAT CAN DIRECTLY BENEFIT INSURANCE AGENTS............. CRS 1 
ELIGIBLE COMMUNITIES.................................................................................................... CRS 2 
GUIDANCE FOR SEVERE REPETITIVE LOSS PROPERTIES ............................................... SRL 1 


I. GENERAL DESCRIPTION........................................................................................... SRL 1 


II. NOTIFICATION REQUIREMENTS .............................................................................. SRL 1 


III. DISPUTE RESOLUTION.............................................................................................. SRL 1 


IV. SEVERE REPETITIVE LOSS PILOT GRANT PROGRAM ......................................... SRL 2 
DEFINITIONS ............................................................................................................................. DEF 1 
INDEX ..................................................................................................................................... IND 1 


xi October 1, 2008 


LIST OF TABLES


SECTION/TABLE PAGE 

REFERENCE 

NFIP Servicing Agent Contact Information for NFIP Direct Program Agents ........................ REF 3 
NFIP General Contact Information for All NFIP Stakeholders ............................................... REF 4 
NFIP Bureau and Statistical Agent Regional Offices............................................................. REF 5 


GENERAL RULES 

Matching Standard Flood Insurance Policy Forms with Specific Risks ................................ GR 2 


RATING 

Amount of Insurance Available .............................................................................................. RATE 1 
Table 1. Emergency Program Rates.................................................................................. RATE 1 
Table 2. Regular Program--Pre-FIRM Construction Rates................................................ RATE 2 
Table 3. Regular Program--Post-FIRM Construction Rates .............................................. RATE 3 
Table 4. Regular Program--FIRM Zone AR and AR Dual Zones Rates ............................ RATE 9 
Table 5. Regular Program--Pre-FIRM and Post-FIRM Elevation-Rated Rates ................. RATE 10 
Table 6. Precalculated Pre-FIRM Premium Table for Single-Family Dwellings................. RATE 11 
Table 7. Federal Policy Fee and Probation Surcharge Table............................................ RATE 12 
Table 8A. Standard Deductibles........................................................................................... RATE 12 
Table 8B. Deductible Factors ............................................................................................... RATE 13 
Table 9. Standard Flood Insurance Policy Increased Cost of Compliance (ICC) 
Coverage Premiums.......................................................................................... RATE 14 
Table 10. V-Zone Risk Rating RelativitiesTable .................................................................. RATE 33 


CONDOMINIUMS 

Table 1. Condominium Underwriting Guidelines................................................................ CONDO 3 
Table 2. Condominium Rating Chart.................................................................................. CONDO 4 
Table 3. RCBAP High-Rise Condominium Rates .............................................................. CONDO 10 
Table 4. RCBAP Low-Rise Condominium Rates............................................................... CONDO 14 
Table 5. RCBAP High-Rise and Low-Rise Condominium Rates-- 
1981 Post-FIRM V1-V30, VE Zone Rates ......................................................... CONDO 19 
Table 6. RCBAP High-Rise and Low-Rise Condominium Rates-- 
Increased Cost of Compliance (ICC) Coverage................................................. CONDO 21 
Table 7. RCBAP Deductible Factors  All Zones............................................................... CONDO 22 


SPECIAL CERTIFICATIONS 

Approved Communities for Residential Basement Floodproofing Rating Credit ................... CERT 5 


PREFERRED RISK POLICY 

The PRP at a Glance ............................................................................................................PRP 1


Preferred Risk Policy Condominium Rating Chart ................................................................ PRP 3 


PRP Coverages Available Effective May 1, 2008 ................................................................. PRP 4 


MORTGAGE PORTFOLIO PROTECTION PROGRAM 

Mortgage Portfolio Protection Program Rate and 
Increased Cost of Compliance (ICC) Table ........................................................................ MPPP 1 

POLICY RENEWALS 

Summary of Policy Notices ................................................................................................... REN 3


xii May 1, 2008 


LIST OF TABLES (Continued) 

SECTION/TABLE PAGE 

CANCELLATION/NULLIFICATION 

Processing Outcomes for Cancellation/Nullification of a Flood Insurance Policy.................. CN 9 


FLOOD MAPS 

MSC Products, Services, and Fees ...................................................................................... MAP 5 


COASTAL BARRIER RESOURCES SYSTEM 

List of Communities................................................................................................................ CBRS 3 


COMMUNITY RATING SYSTEM 

CRS Premium Discounts ....................................................................................................... CRS 1 
Eligible Communities.............................................................................................................. CRS 2 


xiii May 1, 2008 


LIST OF ILLUSTRATIONS


SECTION/ILLUSTRATION PAGE 

APPLICATION 

Flood Insurance Application - Part 1 .....................................................................................APP 9 
Flood Insurance Application - Part 2 .....................................................................................APP 10 


RATING 

V-Zone Risk Factor Rating Form and Instructions .................................................................RATE 35 


LOWEST FLOOR GUIDE

 Lowest Floor Determination Guide.........................................................................................LFG 3


SPECIAL CERTIFICATIONS

 Residential Basement Floodproofing Certificate................................................................... CERT 7 
Floodproofing Certificate for Non-Residential Structures...................................................... CERT 9 
Elevation Certificate and Instructions - New Edition (2/13/2006).......................................... CERT 11 
Elevation Certificate and Instructions - Old Edition (1/1/2003) ............................................. CERT 27 


PREFERRED RISK POLICY 

Flood Insurance Preferred Risk Policy Application ...............................................................PRP 9 


GENERAL CHANGE ENDORSEMENT 

Flood Insurance General Change Endorsement....................................................................END 13 


POLICY RENEWALS

 Renewal Notice ..................................................................................................................... REN 4 
Final Notice .................................................................................................................... REN 6 
Credit Card Payment Form ....................................................................................................REN 8 


CANCELLATION/NULLIFICATION 

Flood Insurance Cancellation/Nullification Request Form .....................................................CN 10


POLICY 

Standard Flood Insurance Policy - Dwelling Form................................................................ POL 3 
Standard Flood Insurance Policy - General Property Form .................................................. POL 23 
Standard Flood Insurance Policy - Residential Condominium Building Association 
Policy.................................................................................................................................. POL 43 

FLOOD MAPS 

Sample Flood Insurance Rate Map (FIRM) .......................................................................... MAP 7
Sample Flood Hazard Boundary Map (FHBM) ..................................................................... MAP 8 


xiv May 1, 2008 


LIST OF ILLUSTRATIONS (Continued) 

SECTION/ILLUSTRATION PAGE 

PROVISIONAL RATING 

 Provisional Rating Questionnaire.......................................................................................... PR 3


Sample Notice to Accompany Provisionally Rated Policies.................................................. PR 5 


GUIDANCE FOR SEVERE REPETITIVE LOSS PROPERTIES 

Agent SDF Notification Letter................................................................................................ SRL 3 
Lender SDF Notification Letter.............................................................................................. SRL 5 
Policyholder SDF Notification Letter ..................................................................................... SRL 7
Premium Increase Notification Letter .................................................................................... SRL 9 
Renewal Billing Letter Within Appeal Period......................................................................... SRL 11 
Renewal Billing Letter After Appeal Period ........................................................................... SRL 12 
Renewal Billing Letter After Additional Loss ......................................................................... SRL 13 



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REFERENCE


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 the 
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 on a 
nationwide basis 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 jurisdictions 
by considering the hazard of flood when 
rendering decisions on the future use of 
such land, thus minimizing damage caused 
by flooding. 
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 
flood-prone 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, which are provided to 
communities for carrying out their responsibilities. 
The maps are also used by insurance 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 undertaking of 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, conform their 
flood business to their normal business practices 
for other lines of insurance. Many producers have 
elected to move or place their flood policies with 
one or more of the WYO Companies they 
represent. 

In brief, the producer has the following options: 

 Place all business with one or more WYO 
Companies; 
 Place business with both the NFIP directly 
and with one or more WYO Companies; or 
 Continue to place all flood insurance directly 
with the NFIP (referred to as "NFIP direct 
business"). 
REF 1 May 1, 2008 


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 
partiesWYO companies, the National Flood 
Insurance Programs Bureau and Statistical 
Agent, the NFIP Servicing Agent, insurance 
agents and adjusterscomply. 

A. WYO Companies 
Agents and adjusters servicing flood insurance 
business through one of the Write Your Own 
(WYO) companies should direct questions and 
requests for technical assistance to the WYO 
Company itself. If the WYO Company needs 
technical assistance, then it will contact its 
Business Analyst at the NFIPs Bureau and 
Statistical Agent. If the Business Analyst, with the 

assistance of technical experts at the Bureau, 
cannot provide the needed assistance, the 
Bureau will direct the inquiry to FEMA for an 
answer. 

B. NFIP Servicing Agent (NFIP Direct) 
Agents and adjusters servicing flood insurance 
business through the NFIP Servicing Agent 
should contact the NFIP Servicing Agent for the 
answer 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 and adjusters serving flood insurance 
policies identified as targeted repetitive loss 
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. 

REF 2 May 1, 2008 


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 
that is, the NFIP Servicing Agent. 

Agents/producers who write with the NFIP Write Your Own (WYO) Program must submit materials and 
questions to their WYO Companies. 

CORRESPONDENCE TYPE MAILING ADDRESS 
TELEPHONE & FAX 
NUMBERS* 
Applications (not Submit-for 
Rate) 
NFIP Servicing Agent 
P.O. Box 29138 
Shawnee Mission, KS 66201-9138 
Phone 1-800-638-6620 
Fax 1-800-742-3148 
Endorsements 
Cancellations 
NFIP Servicing Agent 
P.O. Box 2992 
Shawnee Mission, KS 66201-1392 
Phone 1-800-638-6620 
Fax 1-800-742-3148 
Submit-for-Rate Applications 
(See pages RATE 24-25) 
Underpayment Letters 
Underwriting Inquiries and 
Issues 
All Other Inquiries 
NFIP Servicing Agent 
P.O. Box 2965 
Shawnee Mission, KS 66201-1365 
Phone 1-800-638-6620 
Fax 1-800-742-3148 
Severe Repetitive Loss 
Properties 
NFIP Special Direct Facility 
P.O. Box 29524 
Shawnee Mission, KS 66201-5524 
Phone 1-800-638-6620 
Fax 1-800-742-3148 
Renewal Notices (with 
premium payments) 
Expiration Notices (with 
premium payments) 
National Flood Insurance Program 
P.O. Box 70936 
Charlotte, NC 28272-0936 
Phone 1-800-638-6620 
Fax 1-800-742-3148 
Notices of Loss 
Written Claims Inquiries 
All Other Claims 
Correspondence 
NFIP Servicing Agent 
P.O. Box 2966 
Shawnee Mission, KS 66201-1366 
Phone 1-800-767-4341 
Fax 1-800-767-5574 
Overnight Express Deliveries 
Certified Mail 
NFIP Servicing Agent 
C/o Covansys 
13401 W. 98th St. 
Lenexa, KS 66215 
N/A 

*Telecommunication Device for the Deaf (TDD) 1-800-447-9487 

REF 3 May 1, 2008 


NFIP GENERAL CONTACT INFORMATION 
FOR ALL NFIP STAKEHOLDERS 


TOPIC 
MAIL, E-MAIL & WEBSITE 
ADDRESSES 
TELEPHONE & FAX 
NUMBERS* 
Agent Referral Program 
Information & Sign-up Form 
https://agents.floodsmart.gov Phone 1-888-786-7693 
CBRS Areas  Map Panel 
Listing 
http://www.fema.gov/business/nfip/cbrs/cbrs.shtm N/A 
Community Status Book (order 
hardcopy or CD-ROM, or 
download PDF) 
FEMA Map Service Center 
P.O. Box 1038 
Jessup, MD 20794-1038 
http://www.fema.gov/fema/csb.shtm 
Phone 1-800-358-9616 
Fax 1-800-358-9620 
FEMA Information Resource 
Library, Multimedia 
http://www.fema.gov/library/index.jsp N/A 
Flood Insurance Manual (order 
hardcopy or CD-ROM, or 
download PDF) 
FEMA Map Service Center 
P.O. Box 1038 
Jessup, MD 20794-1038 
http://www.fema.gov/business/nfip/manual.shtm 
Phone 1-800-358-9616 
Fax 1-800-358-9620 
Flood Map Information from 
FEMA Map Specialists on: 
- Letters of Map Change 
- Other Technical Issues 
FEMA Map Assistance Center 
3601 Eisenhower Avenue, Suite 600 
Alexandria, VA 22304 
femamapspecialist@mapmodteam.com 
Phone 1-877-336-2627 
Flood Maps, Flood Insurance 
Studies, and Q3 Data (order 
hardcopy or CD-ROM) 
FEMA Map Service Center 
P.O. Box 1038 
Jessup, MD 20794-1038 
http://msc.fema.gov 
Phone 1-800-358-9616 
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://training.nfipstat.com/portal2/default.asp 
Phone (see REF 5-6) 
Watermark & e-Watermark 
Newsletters 
http://www.fema.gov/business/nfip/wm.shtm; 
http://watermark.nfipstat.com/index.htm 
N/A 
Write Your Own (WYO) 
Companies, List of 
http://www.fema.gov/nfipInsurance/companies.jsp Phone 1-800-480-2520 
(item 073, The Choice Is 
Yours) 

*Telecommunication Device for the Deaf (TDD) 1-800-447-9487 

REF 4 May 1, 2008 


NATIONAL FLOOD INSURANCE PROGRAM 
BUREAU AND STATISTICAL AGENT

 REGIONAL OFFICES 

The National Flood Insurance Program's Bureau and Statistical Agent operates a network of regional offices 
within the continental United States. 

The primary function of the regional offices is lender and producer training through workshops and individual 
visits. Other services provided by the regional offices are similar to those provided by an insurance company 
field office. 

The regional offices do not handle processing, nor do they have policy files at their locations. 

However, the regional staff may be able to assist with problems and answer questions of a general nature. 

The latest contact information for both NFIP Bureau and Statistical Agent and FEMA regional offices is 
available at http://www.fema.gov/about/contact/regions.shtm. 

NFIP BUREAU AND NFIP BUREAU AND SERVICE 
STATISTICAL AGENT STATISTICAL AGENT AREA 
REGIONAL OFFICES REGIONAL STAFF 
Region I 
P.O. Box 850854 Robert Archila Connecticut, Maine, Massachusetts, 
Braintree, MA 02185-0854 Regional Manager New Hampshire, Rhode Island, 
Phone: 781-848-0251 Vermont 
Fax: 781-848-0252 
Region II 
P.O. Box 7157 Walter McGuckin New Jersey, New York 
Penndel, PA 19047-7157 Regional Manager 
Phone: 215-702-1047 
Fax: 215-702-1047 
Region III 
304 W. Route 38 Vacant Delaware, District of Columbia, 
Moorestown, NJ 08057-3212 Regional Manager Maryland, Pennsylvania, Virginia, 
Phone: 215-702-1047 West Virginia 
Fax: 215-702-1047 
Region IV  Atlanta Office 
P.O. Box 2706 Roger Widdifield Alabama, Georgia, Kentucky, 
Suwanee, GA 30024-0984 Territorial Manager Mississippi, North Carolina, South 
Phone: 770-887-6865 Carolina, Tennessee 
Fax: 770-887-6878 
Region IV  Tampa Office 
P.O. Box 1046 Lynne Magel Florida 
Zephyrhills, FL 33539-1046 Program Specialist 
Phone: 813-779-9642 
Fax: 813-779-3085 

 REF 5 October 1, 2008 


NFIP BUREAU AND 
STATISTICAL AGENT 
REGIONAL OFFICES 

Region V 

Suite 123 
18008 Wolf Road 
Orland Park, IL 60467-5407 
Phone: 708-326-3072 
Fax: 708-326-3074 

Region VI 

Suite 200 
1400 Broadfield Boulevard 
Houston, TX 77084-5162 
Phone: 281-994-7833 
Fax: 281-994-7801 

Region VII 

P.O. Box 3707 
Lawrence, KS 66046-0707 
Phone: 785-842-1368 
Fax: 785-842-1273 
Region VIII 

12420 W. 20th Avenue 
Lakewood, CO 80215-1065 
Phone: 303-275-3475 
Fax: 303-275-3471 

Region IX 

Suite 103 
1532 Eureka Road 
Roseville, CA 95661-3054 
Phone: 916-780-7889 
Fax: 916-780-7905 

Region X 

P.O. Box 602 
Bothell, WA 98041-0602 
Phone: 425-482-0316 
Fax: 425-908-7639 
NFIP BUREAU AND 
STATISTICAL AGENT 
REGIONAL STAFF 

Richard Slevin 
Regional Manager 

Dorothy Martinez, CFM 
Regional Manager 

Monique Pilch 
Regional Manager 

Norman Ashford, CPCU 
Territorial Manager 

Edie Lohmann 
Field Operations Manager 

Leslie Melville, CFM 
Regional Manager 

SERVICE 
AREA 

Illinois, Indiana, Michigan, Minnesota, 
Ohio, Wisconsin 

Arkansas, Louisiana, New Mexico, 
Oklahoma, Puerto Rico, Texas, Virgin 
Islands 

Iowa, Kansas, Missouri, Nebraska 

Colorado, Montana, North Dakota, 
South Dakota, Utah, Wyoming 

Arizona, California, Guam, Hawaii, 
Nevada 

Alaska, Idaho, Oregon, Washington 

REF 6 October 1, 2008 


PAPERWORK BURDEN DISCLOSURE NOTICE 


GENERALThis 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. 

AUTHORITYPublic Law 96-511, amended; 44 U.S.C. 3507; and 5 CFR 1320 

DISCLOSURE OF BURDENPublic reporting burden for the collection of information entitled "National 
Flood Insurance Program Policy Forms," is estimated to average 10 minutes per response, excluding the 
V-Zone Risk Factor Rating Form. The estimated burden includes the time for reviewing instructions, 
searching existing data sources, gathering and maintaining the data needed, and completing and reviewing 
the forms. Reporting burden for these forms, as part of this collection, is listed below. Send comments 
regarding the burden estimate or any aspect of the collection, including suggestions for reducing the burden, 
to: U.S. Department of Homeland Security, Federal Emergency Management Agency, 500 C Street, S.W., 
Washington, D.C. 20472, Paperwork Reduction Project (1660-0006). NOTE: Do not send completed 
forms to this address. 

PRIVACY ACTThe 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, to agents, and mortgagees named 
on policies. 

FEMA FORM NUMBER TITLE BURDEN HOURS 

81-16 Application for Flood Insurance (New) 12.00 Minutes 

81-16 Application for Flood Insurance (Renewal) 7.50 Minutes 

81-17 Cancellation/Nullification Request 7.50 Minutes 

81-18 General Change Endorsement (w/Premium) 9.00 Minutes 

81-18 General Change Endorsement (w/o Premium) 9.00 Minutes 

81-25 V-Zone Risk Factor Rating 6.00 Hours 

81-67 Preferred Risk Application 15.00 Minutes 

 REF 7 May 1, 2008 


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GENERAL RULES


I. COMMUNITY ELIGIBILITY 
A. Participating (Eligible) Communities 
Flood insurance may be written only in those 
communities that have been designated as 
participating in the National Flood Insurance 
Program (NFIP) by the Federal Emergency 
Management Agency (FEMA). 

B. Emergency Program 
The Emergency Program is the initial phase of a 
community's participation in the NFIP. Limited 
amounts of coverage are available. 

C. Regular Program 
The Regular Program is the final phase of a 
community's participation in the NFIP. In this 
phase, a Flood Insurance Rate Map is in effect 
and full limits of coverage are available. 

D. Maps 
Maps of participating communities indicate the 
degree of flood hazard so that actuarial premium 
rates can be assigned for insurance coverage on 
properties at risk. 

1. Flood Hazard Boundary Map (FHBM) - 
Usually the initial map of a community. 
Some communities entering the Regular 
Program will continue to use FHBMs 
renamed a Flood Insurance Rate Map 
(FIRM), if there is a minimum flood hazard. 
2. Flood Insurance Rate Map (FIRM) - The 
official map of the community containing 
detailed actuarial risk premium zones. 
3. Rescission - Participating communities in 
the Emergency Program remain in the 
Emergency Program if an FHBM is 
rescinded. 
E. Probation 
Probation, imposed by the FEMA Regional 
Director, occurs as a result of noncompliance with 
NFIP floodplain management criteria. A 
community is placed on probation for 1 year (may 
be extended), during which time a $50 surcharge 
is applied to all NFIP policies, including the 
Preferred Risk Policy, issued on or after the 
Probation Surcharge effective date. Probation is 

terminated if deficiencies are corrected. However, 
if a community does not take remedial or 
corrective measures while on probation, it can be 
suspended. 

F. Suspension 
Flood insurance may not be sold or renewed in 
communities that are suspended from the NFIP. 
When a community is suspended, coverage 
remains in effect until expiration. These policies 
cannot be renewed. 

G. Non-Participating (Ineligible) Communities 
When FEMA provides a non-participating 
community with a Flood Hazard Boundary Map 
(FHBM) or Flood Insurance Rate Map (FIRM) 
delineating its flood-prone areas, the community 
is allowed 1 year in which to join the NFIP. If the 
community chooses not to participate in the NFIP, 
flood insurance is not available. 

H. Coastal Barrier Resources Act 
Flood insurance may not be available for 
buildings and/or contents located in coastal 
barriers or otherwise protected areas. See the 
Coastal Barrier Resources System section for 
additional information. 

I. Federal Land 
Buildings and/or contents located on land owned 
by the federal government are eligible for flood 
insurance if the federal agency having control of 
the land has met floodplain management 
requirements. All federal land is recorded under 
the local community number even if that local 
community does not have jurisdiction. 

II. POLICIES AND PRODUCTS AVAILABLE 
A. Standard Flood Insurance Policy 
The Standard Flood Insurance Policy (SFIP) 
consists of the Dwelling Form, the General 
Property Form, and the Residential Condominium 
Building Association Policy (RCBAP) Form. The 
three SFIP forms are reproduced in the Policy 
section of this manual. 

The table on the next page shows how agents 
can use the three SFIP forms to insure a variety 
of residential and non-residential building and 
contents risks. 

GR 1 May 1, 2008 


Matching Standard Flood Insurance Policy Forms 
with Specific Risks 

SFIP FORM ELIGIBILITY 
Dwelling Form 
Issued to homeowner, 
residential renter, or owner 
of residential building 
containing two to four units. 
In NFIP Regular Program community or Emergency Program community, provides 
building and/or contents coverage for: 
. Detached, single-family, non-condominium residence with incidental occupancy 
limited to less than 50% of the total floor area; 
. Two- to four-family, non-condominium building with incidental occupancy limited to 
less than 25% of the total floor area; 
. Dwelling unit in residential condominium building; 
.. Residential townhouse/rowhouse. 
General Property Form 
Issued to owner of 
residential building with five 
or more units. 
Issued to owner or lessee of 
non-residential building or 
unit. 
In NFIP Regular Program community or Emergency Program community, provides 
building and/or contents coverage for these and similar other residential risks: 
. Hotel or motel with normal guest occupancy of 6 months or more; 
. Tourist home or rooming house with five or more lodgers; 
.. Apartment building; 
. Residential cooperative building; 
.. Dormitory; 
.. Assisted-living facility. 
In NFIP Regular Program community or Emergency Program community, provides 
building coverage and/or contents coverage for these and similar non-residential 
risks: 
. Hotel or motel with normal guest occupancy of less than 6 months; 
.. Licensed bed-and-breakfast inn; 
. Retail shop, restaurant, or other business; 
.. Mercantile building; 
. Grain bin, silo, or other farm building; 
. Agricultural or industrial processing facility; 
.. Factory; 
.. Warehouse; 
. Poolhouse, clubhouse, or other recreational building; 
.. House of worship; 
.. School; 
.. Nursing home; 
.. Non-residential condominium; 
. Condominium building with less than 75% of its total floor area in residential use; 
.. Detached garage; 
.. Tool shed; 
. Stock, inventory, or other commercial contents. 
Residential Condominium 
Building Association 
Policy (RCBAP) 
Issued to residential 
condominium association on 
behalf of association and 
unit owners. 
In NFIP Regular Program community only, provides building coverage and, if 
desired, coverage of commonly owned contents for residential condominium 
building with 75% or more of its total floor area in residential use. 

B. Insurance Products 
1. Preferred Risk Policy 
The Preferred Risk Policy (PRP) is available 
in moderate-risk flood zones B, C, and X. 
Formerly, only single-family and two- to four-
family dwellings were eligible for coverage. 
Other residential and non-residential 
buildings became eligible for coverage 
effective May 1, 2004. Greatly expanded 
coverage options for residential and non

residential buildings are effective May 1, 
2008. Information about coverage options 
and eligibility requirements for the Preferred 
Risk Policy 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 Company. 


GR 2 May 1, 2008 


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 cancelled. 
However, an applicant may purchase a 
regular Standard Flood Insurance Policy 
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 
two 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 percent of the 
actual cash value 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 energy-efficient 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 percent of the limit of 
liability on the dwelling. Use of this 
insurance is at the policyholders option but 
reduces the building limit of liability. The 
SFIP does not cover any detached garage 
used or held for use for residential (i.e., 
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 one or more sections, and 
affixed to a permanent foundation); or 
 A travel trailer without wheels, built on 
a chassis and affixed to a permanent 
foundation, that is regulated under the 
communitys 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. 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 a Special Flood 
Hazard Area must be anchored to a 
permanent foundation to resist 
flotation, collapse, or lateral 
movement by providing over-the-top 
or frame ties to ground anchors; or 
in accordance with manufacturers 
specifications; or in compliance with 
the communitys floodplain management requirements. 

GR 3 May 1, 2008 


b. Manufactured (Mobile) Homes -
Continuously Insured Since September 
30, 1982 
All manufactured (mobile) homes on a 
foundation continuously insured since 
September 30, 1982, can be renewed 
under the previously existing requirements if affixed to a permanent 
foundation. 

Manufactured (mobile) homes in 
compliance with the foundation and 
anchoring requirements at the time of 
placement may continue to be renewed 
under these requirements even though 
the requirements are more stringent at a 
later date. 

To be adequately anchored, the 
manufactured (mobile) home is 
attached to the foundation support 
system, which in turn is established 
(stabilized) into the ground, sufficiently 
to resist flotation, collapse, and lateral 
movement caused by flood forces, 
including wind forces in coastal areas. 

3. Silos and Grain Storage Buildings 
4. Cisterns 
5. Buildings Entirely Over Water - Constructed 
or Substantially Improved Before October 1, 
1982 
Follow "submit for rate" instructions in the 
Rating section for insurance on Post-FIRM 
buildings located entirely in, on, or over 
water or seaward of mean high tide for these 
buildings. Pre-FIRM buildings constructed 
before October 1, 1982, are eligible for 
normal Pre-FIRM rates. 

If the building's start of construction occurred 
on or after October 1, 1982, the building is 
ineligible for coverage. 

6. Buildings Partially Over Water 
Follow submit for rate instructions in the 
Rating section for buildings partially over 
water. However, Pre-FIRM buildings are 
eligible for normal Pre-FIRM rates. 

7. Boathouses Located Partially Over Water 
The non-boathouse parts of a building into 
which boats are floated are eligible for 
coverage if the building is partly over land 

and also used for residential, commercial, or 
municipal purposes and is eligible for flood 
coverage. The area above the boathouse 
used for purposes unrelated to the 
boathouse use (e.g., residential occupancy) 
is insurable from the floor joists to the roof 
including walls. A common wall between the 
boathouse area and the other part of the 
building is insurable. The following items are 
not covered: 

a. The ceiling and roof over the 
boathouse portions of the building into 
which boats are floated. 
b. Floors, walkways, decking, etc., within 
the boathouse area, or outside the 
area, but pertaining to boathouse use. 
c. Exterior walls and doors of the 
boathouse area not common to the rest 
of the building. 
d. Interior walls and coverings within the 
boathouse area. 
e. Contents located within the boathouse 
area, including furnishings and 
equipment, relating to the operation 
and storage of boats and other 
boathouse uses. 
The Flood Insurance Application form with 
photographs, but without premium, must be 
submitted to the NFIP for premium 
determination. No coverage becomes 
effective until the NFIP approves the 
insurance application, determines the rate, 
and receives the premium. However, 
buildings in existence prior to October 1, 
1982, may continue to be rated using the 
published rate. 

8. Buildings in the Course of Construction 
Buildings in the course of construction that 
have yet to be walled and roofed are eligible 
for coverage except when construction has 
been halted for more than 90 days and/or if 
the lowest floor used for rating purposes is 
below the Base Flood Elevation (BFE). 
Materials or supplies intended for use in 
such construction, alteration, or repair are 
not insurable unless they are contained 
within an enclosed building on the premises 
or adjacent to the premises. 

To determine the eligibility of a residential 
condominium building under construction, 
see page CONDO 6 in this manual. 

GR 4 May 1, 2008 


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 separated from other buildings 
by intervening clear space or solid, vertical, load-
bearing division walls. 

A building separated into divisions by solid, 
vertical, load-bearing walls from its lowest level to 
its highest ceiling may have each division insured 
as a separate building. A solid load-bearing 
interior wall cannot have any openings and must 
not provide access from one building or room into 
another (partial walls). However, if access is 
available through a doorway or opening, then the 
structure must be insured as one building unless 
the building is self contained; it is a separately 
titled building contiguous to the ground; it has a 
separate legal description; and it is regarded as a 
separate property for other real estate purposes, 
meaning that it has most of its own utilities and 
may be deeded, conveyed, and taxed separately. 

Additions and Extensions 

The NFIP insures additions and extensions 
attached to and in contact with the building by 
means of a rigid exterior wall, a solid load-bearing 
interior wall, a stairway, an elevated walkway, or 
a roof. At the insureds 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-loadbearing walls); and 
d. Designed to fail under certain wave 
force conditions; and 
e. Designed so that, as a result of failure, it 
causes no damage to the elevated 
portions of the elevated building and/or 
its supporting foundation system. 
2. Shear Walls 
Shear walls are used for structural support, 
but are not structurally joined or enclosed at 
the ends (except by breakaway walls). 
Shear walls are parallel (or nearly parallel) 
to the flow of the water and can be used in 
any zone. 

3. Solid Perimeter Foundation Walls 
Solid perimeter foundation walls are used as 
a means of elevating the building in A Zones 
and must contain proper openings to allow 
for the unimpeded flow of floodwaters more 
than 1 foot deep. 

Solid perimeter foundation walls are not an 
acceptable means of elevating buildings in 
V/VE Zones. 

D. Determination of Building Occupancy 
The following terms should be used to determine 
the appropriate occupancy classification: 

1. Single Family Dwellings 
These are non-condominium residential 
buildings designed for principal use as a 
dwelling place for one family, or a single-
family dwelling unit in a condominium 
building. Residential single family dwellings 
are permitted incidental occupancies, 
including structures with office, professional, 
private school, or studio occupancies, 
including a small service operation, if such 
occupancies are limited to less than 50 
percent of the building's total floor area. 

2. 2-4 Family Dwellings 
These are non-condominium residential 
buildings designed for principal use as a 
dwelling place of two to four families. 
Residential buildings, excluding hotels and 
motels with normal room rentals for less than 

GR 5 May 1, 2008 


6 months' duration and containing no more D. Commercial Contents Coverage 

than 4 dwelling units, are permitted incidental 

occupancies (see D.1 above). The total area Commercial contents in a residential property 

of incidental occupancy is limited to less than must be insured on the General Property Form. 
25 percent of the total floor area within the V. EXAMPLES OF ELIGIBLE RISKS 
building. 

Examples of eligible risks are provided below. 

3. Other Residential Buildings 
A. Building Coverage 
These include hotels or motels where the 

normal occupancy of a guest is 6 months or 
1. Cooperative Building--Entire Building in 
Name of Cooperative (General Property

more, or a tourist home or rooming house Form)
which has more than four roomers. This also 
includes residential buildings, excluding Cooperative buildings where at least 75 
hotels and motels with normal room rentals percent of the area of the building is used for 
for less than 6 months' duration and residential purposes are considered as 
containing more than four dwelling units. residential occupancies, and can be insured 
These buildings are permitted incidental for a maximum building coverage of 
occupancies (see D.1 above). The total area $250,000 in a Regular Program community 
of incidental occupancy is limited to less than under the General Property Form. Since they 
25 percent of the total floor area within the are not in the condominium form of 
building. Examples of other residential ownership, they cannot be insured under the 
buildings include dormitories and assisted RCBAP. 

living facilities. 
2. Time Sharing Building--Entire Building in 

4. Non-Residential Buildings Name of Corporation (General Property 
Form) 
This category includes all other eligible


occupancies (e.g., garages, poolhouses, Timeshare buildings not in the condominium 

recreational buildings, agricultural buildings, form of ownership where at least 75 percent 

licensed bed and breakfasts, nursing of the area of the building is used for 
homes, etc.). residential purposes are considered as 
residential occupancies under the NFIP, and 

IV. CONTENTS ELIGIBILITY can be insured for a maximum building 
coverage of $250,000 under the General 
A. Eligible Contents Property Form. 
Contents must be located in a fully enclosed Timeshare buildings in the condominium form 

building or secured to prevent flotation out of the of ownership are eligible for coverage and 

building. must be insured under the RCBAP. These 
buildings are subject to the same eligibility, 

B. Vehicles and Equipment rating, and coverage requirements as other 
condominiums, including the requirement that 
The NFIP covers self-propelled vehicles or 75 percent of the area of the building be used 
machines, provided they are not licensed for use for residential purposes. 
on public roads and are: 

B. Contents Coverage 
1. Used mainly to service the described 
location; or Parts and equipment as open stocknot part of 
specific vehicle or motorized equipmentare 

2. Designed and used to assist handicapped eligible for coverage. 
persons; 
C. Condominiums 
while the vehicles or machines are inside a
building at the described location. Refer to pages CONDO 3-5. 


VI. INELIGIBLE PROPERTY 
C. Silos, Grain Storage Buildings, and 
Cisterns A. Buildings 
Contents located in silos, grain storage buildings, Coverage may not be available for buildings that 
and cisterns are insurable. are constructed or altered in such a way as to 

GR 6 May 1, 2008 


place them in violation of state or local floodplain 
management laws, regulations, or ordinances. 
Contents and personal property contained in 
these buildings are ineligible for coverage. 

For example, section 1316 of the National Flood 
Insurance Act of 1968 allows the states to declare 
a structure to be in violation of a law, regulation, 
or ordinance. Flood insurance is not available 
for properties that are placed on the 1316 
Property List. Insurance availability is restored 
once the violation is corrected and the 1316 
Declaration has been rescinded. 

B. Container-Type Buildings 
Gas and liquid tanks, chemical or reactor 
container tanks or enclosures, brick kilns, and 
similar units, and their contents are ineligible for 
coverage. 

C. Buildings Entirely Over Water 
Buildings newly constructed or substantially 
improved on or after October 1, 1982, and 
located entirely in, on, or over water or seaward 
of mean high tide are ineligible for coverage. 

D. Buildings Partially Underground 
If 50 percent or more of the building's actual cash 
value, including the machinery and equipment, 
which are part of the building, is below 
ground level, the building or units and their 
contents are ineligible for coverage unless the 
lowest level is at or above the BFE and is below 
ground by reason of earth having been used as 
insulation material in conjunction with energy 
efficient building techniques. 

E. Basement/Elevated Building Enclosures 
Certain specific property in basements and under 
elevated floors of buildings is excluded from 
coverage. See the policy contract for specific 
information. 

VII. EXAMPLES OF INELIGIBLE RISKS 
Some specific examples of ineligible risks are 
provided below. See the policy for a definitive 
listing of property not covered. 

A. Building Coverage 
1. Boat Repair Dock 
2. Boat Storage Over Water 
3. Boathouses (exceptions on page GR 4) 
4. Camper 
5. Cooperative Unit Within Cooperative 
Building 
6. Decks (except for steps and landing; 
maximum landing area of 16 sq. ft.) 
7. Drive-In Bank Teller Unit (located outside 
walls of building) 
8. Fuel Pump 
9. Gazebo (unless it qualifies as a building) 
10. Greenhouse (unless it has at least two rigid 
walls and a roof) 
11. Hot tub or spa (unless it is installed as a 
bathroom fixture) 
12. Open Stadium 
13. Pavilion (unless it qualifies as a building) 
14. Pole Barn (unless it qualifies as a building) 
15. Pumping Station (unless it qualifies as a 
building) 
16. Storage Tank--Gasoline, Water, Chemicals, 
Sugar, etc. 
17. Swimming Pool Bubble 
18. Swimming Pool (indoor or outdoor) 
19. Tennis Bubble 
20. Tent 
21. Time Sharing Unit Within Multi-Unit Building 
22. Travel Trailer (unless converted to a 
permanent onsite building meeting the 
community's floodplain management permit 
requirements) 
23. Water Treatment Plant (unless 51 percent of 
its actual cash value is above ground) 
B. Contents Coverage 
1. Automobiles--Including Dealer's Stock 
(assembled or not) 
2. Bailee's Customer Goods--Including 
garment contractors, cleaners, shoe repair 
shops, processors of goods belonging to 
others, and similar risks 
3. Contents Located in a Structure Not 
Eligible for Building Coverage 
4. Contents Located in a Building Not Fully 
Walled and/or Contents Not Secured 
Against Flotation 
GR 7 May 1, 2008 


5. Motorcycles--Including Dealer's Stock 
(assembled or not) 
6. Motorized Equipment--Including Dealer's 
Stock (assembled or not) 
C. Non-Residential Condominium Unit 
The owner of a non-residential condominium unit 
cannot purchase a unit owner's policy. The 
association can purchase a condominium 
association policy to cover the entire building. 
Contents-only coverage may be purchased by 
the unit owner. 

VIII. POLICY EFFECTIVE DATE 
A. Evidence of Insurance 
A copy of the Flood Insurance Application and 
premium payment, or a copy of the declarations 
page, is sufficient evidence of proof of purchase 
for new policies. The NFIP does not recognize 
binders. However, the NFIP recognizes 
Certificates of Insurance for renewal policies. 

B. Start of Waiting Period 
There is a standard 30-day waiting period for new 
applications and for endorsements to increase 
coverage. 

1. If the application or endorsement form and 
the premium payment are received at the 
NFIP within 10 days from the date of 
application or endorsement request, or if 
mailed by certified mail within 4 days from 
the date of application or endorsement 
request, then the waiting period will be 
calculated from the application or 
endorsement date. Use the application date 
or endorsement date plus 9 days to 
determine if the application or endorsement 
and premium payment were received within 
10 days. When sent by certified mail, use 
the application date or endorsement date 
plus 3 days to determine if the application 
or endorsement and premium payment 
were mailed within 4 days. 
2. If the application or endorsement form and 
the premium payment are received at the 
NFIP after 10 days from the date of 
application or endorsement request, or are 
not mailed by certified mail within 4 days 
from the date of application or endorsement 
request, then the waiting period will be 
calculated from the date the NFIP receives 
the application or endorsement. 
As used in VIIl.B.1. and 2. above, the term 
certified mail extends to not only the U.S. 
Postal Service but also certain third-party 
delivery services. Acceptable third-party delivery 

services include Federal Express (FedEx), 
United Parcel Service (UPS), and courier 
services and the like that provide proof of 
mailing. Third-party delivery is acceptable if the 
delivery service provides documentation of the 
actual mailing date and delivery date to the NFIP 
insurer. Bear in mind that third-party delivery 
services deliver to street addresses but cannot 
deliver to U.S. Postal Service post office boxes. 

C. Effective Date 
1. New Policy (other than 2, 3, or 4 below)-
The effective date of a new policy will be 
12:01 a.m., local time, on the 30th calendar 
day after the application date and the 
presentment of premium. (Example: a 
policy applied for on May 3 will become 
effective 12:01 a.m., local time, on June 2.) 
The effective date of coverage is subject to 
the waiting period rule listed under B.1 or 
B.2 above. 
2. New Policy (in connection with making, 
increasing, extending, or renewing a loan, 
whether conventional or otherwise)--Flood 
insurance, which is initially purchased in 
connection with the making, increasing, 
extending, or renewal of a loan, shall be 
effective at the time of loan closing, 
provided that the policy is applied for and 
the presentment of premium is made at or 
prior to the loan closing. (Example: 
presentment of premium and application 
date--April 3, refinancing--April 3 at 3:00 
p.m., policy effective date--April 3 at 3:00 
p.m.) This rule applies to all buildings 
regardless of flood zone. The waiting 
period rule listed under B.1 or B.2 above 
does not apply. 
3. New Policy (in connection with lender 
requirement)--The 30-day waiting period 
does not apply when flood insurance is 
required as a result of a lender determining 
that a loan on a building in a Special Flood 
Hazard Area (SFHA) that does not have 
flood insurance coverage should be 
protected by flood insurance. The coverage 
is effective upon the completion of an 
application and the presentment of payment 
of premium. (Example: presentment of 
premium and application date--April 3, policy 
effective date--April 3.) The waiting period 
rule listed under B.1 or B.2 must be used. 
4. New Policy (when the initial purchase of 
flood insurance is in connection with the 
revision or updating of a Flood Hazard 
Boundary Map or Flood Insurance Rate 
GR 8 May 1, 2008 


Map)--During the 13-month period 
beginning on the effective date of the map 
revision, the effective date of a new policy 
shall be 12:01 a.m., local time, following the 
day after the application date and the 
presentment of premium. This rule only 
applies where the Flood Hazard Boundary 
Map (FHBM) or Flood Insurance Rate Map 
(FIRM) is revised to show the building to be 
in a Special Flood Hazard Area (SFHA) 
when it had not been in an SFHA. 
(Example: FIRM revised--January 1, 2008, 
policy applied for and presentment of 
premium--August 3, 2008, policy effective 
date--August 4, 2008.) The waiting period 
rule listed under B.1 or B.2 above must be 
used. This rule applies to all property 
owners including condominium associations. 

5. New Policy (in connection with the 
purchase of an RCBAP)--When a 
condominium association is purchasing a 
Residential Condominium Building 
Association Policy (RCBAP), the 30-day 
waiting period does not apply if the 
condominium association is required to 
obtain flood insurance as part of the 
security for a loan under the name of the 
condominium association. The coverage is 
effective upon completion of an application 
and presentment of premium. The waiting 
period rule listed under B.1 or B.2 above 
does not apply. 
Otherwise, the 30-day waiting period 
applies, and the waiting period rule listed 
under B.1 or B.2 above must be used. 

6. New Policy (submit-for-rate application)-- 
With three exceptions (described below), 
the effective date of a new policy will be 
12:01 a.m., local time, on the 30th calendar 
day after the presentment of premium. 
The three exceptions are as follows. 

First, there is no waiting period if the initial 
purchase of flood insurance on a submit-
for-rate application is in connection with 
making, increasing, extending, or renewing 
a loan, provided that the policy is applied 
for and the presentment of premium is 
made at or prior to the loan closing. The 
waiting period rule listed under B.1 or B.2 
above does not apply. 

Second, the 30-day waiting period does not 
apply when flood insurance is required as a 
result of a lender determining that a loan 
which does not have flood insurance 

coverage should be protected by flood 
insurance, because the building securing a 
loan is located in an SFHA. The coverage 
is effective upon the completion of an 
application and the presentment of 
payment of premium. This exemption from 
the 30-day waiting period applies only to 
loans in SFHAs, i.e., those loans for which 
the statute requires flood insurance. The 
waiting period rule listed under B.1 or B.2 
above must be applied. 

Third, during the 13-month period 
beginning on the effective date of a map 
revision, the effective date of a new policy 
shall be 12:01 a.m., local time, following the 
day after the date the increased amount of 
coverage is applied for and the 
presentment of additional premium is 
made. This rule applies only on an initial 
purchase of flood insurance where the 
Flood Hazard Boundary Map (FHBM) or 
Flood Insurance Rate Map (FIRM) is 
revised to show the building to be in an 
SFHA when it had not been in an SFHA. 
The waiting period rule listed under B.1 or 

B.2 must be applied. 
7. New Policy (rewrite Standard to PRP)--The 
30-day waiting period does not apply when 
an insured decides to rewrite the existing 
policy at the time of renewal from Standard 
to a Preferred Risk Policy (PRP), provided 
that the selected PRP coverage limit 
amount is no higher than the next highest 
PRP amount above that which was carried 
on the Standard policy using the highest of 
building and contents coverage. In those 
cases where the Standard policy has only 
one kind of coverage, either building or 
contents only, the 30-day waiting period 
applies. 
In addition, if the structure is no longer 
eligible under the PRP or the insured 
decides to rewrite the existing PRP at 
renewal time to a Standard policy, the 
30-day waiting period does not apply 
provided the coverage limit amount is no 
more than the previous PRP coverage 
amount or the next higher PRP amount 
above that. 

8. New Policy (contents only)--Unless the 
contents are part of the security for a loan, 
the 30-day waiting period applies to the 
purchase of contents-only coverage. 
9. New Policy (documentation required)--The 
insurer may rely on an agents 
GR 9 May 1, 2008 


representation on the application that the 
loan exception applies unless there is a 
loss during the first 30 days of the policy 
period. In that case, the insurer must 
obtain documentation of the loan 
transaction, such as settlement papers, 
before adjusting the loss. 

10. Community's Initial Entry or Conversion 
from Emergency to Regular Program-
Process according to rules 1 through 9 
above and 11 below. 
11. Endorsements--With two exceptions 
(described below), the effective date for a 
new coverage or an increase in limits on a 
policy in force shall be 12:01 a.m., local 
time, on the 30th calendar day following the 
date of endorsement and the presentment of 
additional premium, or on such later date set 
by the insured to conform with the reason for 
the change. The waiting period rule listed 
under B.1 or B.2 above must be used. 
The two exceptions are as follows. 

First, during the 13-month period beginning 
on the effective date of a map revision, the 
effective date of an endorsement of an 
existing policy shall be 12:01 a.m., local 
time, following the day after the application 
date and the presentment of premium. This 
rule applies only where the FHBM or FIRM 
is revised to show the building to be in an 
SFHA when it had not been in an SFHA. 
The waiting period rule listed under B.1 or 

B.2 above does not apply. 
Second, the 30-day waiting period does not 
apply when the additional amount of flood 
insurance is required in connection with the 
making, increasing, extending, or renewing 
of a loan, such as a second mortgage, 
home equity loan, or refinancing. The 
increased amount of flood coverage shall 
be effective at the time of loan closing, 
provided that the increased amount of 
coverage is applied for and the 
presentment of additional premium is made 
at or prior to the loan closing. The waiting 
period rule listed under B.1 or B.2 above 
does not apply. 

The insurer may rely on an agents 
representation on the endorsement that the 
loan exception applies unless there is a loss 
during the first 30 days after the 
endorsement effective date. In that case, the 
insurer must obtain documentation of the 
loan transaction, such as settlement papers, 
before adjusting the loss. 

12. Renewals (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 
is generated at least 30 days before renewal 
with coverage more than the inflation 
increase option, the new limits will apply at 
policy renewal. 
In either situation, the increased amount of 
coverage will be effective at 12:01 a.m. on 
the date of policy renewal provided the 
premium for the increased coverage is 
received before the expiration of the grace 
period. 

13. Renewals (higher PRP limits)--The waiting 
period does not apply to a renewal offer to 
the insured for the next higher limits 
available under the PRP. 
14. Renewals (deductible reduction)--The 
30-day waiting period does not apply to a 
reduction of the deductible effective as of 
the renewal date. 
IX. COVERAGE 
A. Limits of Coverage 
Coverage may be purchased subject to the 
maximum limits of coverage available under the 
Program phase in which the community is 
participating. Duplicate policies are not allowed. 

B. Deductibles 
Deductibles apply separately to building 
coverage and to contents coverage. 

C. Coverage D -Increased Cost of 
Compliance (ICC) Coverage 
For all new and renewal policies effective on or 
after May 1, 2003, the ICC limit of liability is 
$30,000. 

The Standard Flood Insurance Policy (SFIP) pays 
for complying with a State or local floodplain 
management law or ordinance affecting repair or 
reconstruction of a structure suffering flood 
damage. Compliance activities eligible for 
payment are: elevation, floodproofing, relocation, 
or demolition (or any combination of these 
activities) of the insured structure. Eligible 
floodproofing activities are limited to non-

GR 10 May 1, 2008 


residential structures and residential structures 
with basements that satisfy FEMA's standards 
published in the Code of Federal Regulations [44 
CFR 60.6 (b) or (c)]. 

ICC coverage is mandatory for all SFIPs, except 
that coverage is not available for: 

1. Policies issued or renewed in the 
Emergency Program. 
2. Condominium units, including townhouse/ 
rowhouse condominium units. (The 
condominium association is responsible for 
complying with mitigation requirements.) 
3. Group Flood Insurance Policies. 
4. Appurtenant structures, unless covered by 
a separate policy. 
ICC coverage contains exclusions in addition to 
those highlighted here. See the policy for a list of 
exclusions. 

To be eligible for claim payment under ICC, a 
structure must: 

a. Be a repetitive loss structure as defined, for 
which NFIP paid a previous qualifying claim, 
in addition to the current claim. The state or 
community must have a cumulative, 
substantial damage provision or repetitive 
loss provision in its floodplain management 
law or ordinance being enforced against the 
structure; OR 
b. Be a structure that has sustained substantial 
flood damage. The state or community 
must have a substantial damage provision in 
its floodplain management law or ordinance 
being enforced against the structure. 
The ICC premium is not eligible for the deductible 
discount. First calculate the deductible discount, 
then add in the ICC premium for each policy year. 

D. Reduction of Coverage Limits or 
Reformation 
In the event that the premium payment received 
is not sufficient to purchase the amounts of 
insurance requested, the policy shall be deemed 
to provide only such insurance as can be 
purchased for the entire term of the policy for the 
amount of premium received. 

With two exceptions, complete provisions for 
reduction of coverage limits or reformation are 
described in: 

 Dwelling Form, section VII, paragraph G. 
 General Property Form, section VII, 
paragraph G. 
 Residential Condominium Building Association Policy (RCBAP), section VIII, 
paragraph G. 
The property must be insured using the correct 
SFIP form in order for these two exceptions to 
apply. 

The two exceptions are as follows: 

1. Any additional premium due will be 
calculated prospectively from the date of 
discovery; and 
2. The automatic reduction in policy limits is 
effective the date of discovery. 
This will provide policyholders with the originally 
requested limits at the time of a claim arising 
before the date of discovery without paying any 
additional premium. Policyholders will have 30 
days to pay the additional premium due, or 60 
days to obtain additional information and then 30 
days to pay the additional premium due, for the 
remainder of the policy term to restore the 
originally requested limits without a waiting 
period. 

In addition, payment of the claim will not be 
delayed because of additional information 
needed to calculate the correct payment. 

If a claim occurs after the notice requesting 
additional information or additional premium due 
is sent to the policyholder, that claim cannot be 
processed with the originally requested amount 
of coverage until the information, if required, and 
the premium are received by the company within 
the required time. 

E. Loss Assessments 
The SFIP provides limited coverage for loss 
assessments against condominium unit owners for 
flood damage to common areas of any building 
owned by the condominium association. The 
RCBAP does not provide assessment coverage. 
The Dwelling Form provides assessment coverage 
only under the circumstances, and to the extents, 
described below. 

1. No RCBAP 
 If the unit owner purchases building 
coverage under the Dwelling Form and 
there is no RCBAP, the Dwelling Form 
responds to a loss assessment against 
the unit owner for damages to common 
areas, up to the building coverage limit 
under the Dwelling Form. 
 If there is damage to building elements of 
the unit as well, the building coverage limit 
GR 11 October 1, 2008 


under the Dwelling Form may not be 
exceeded by the combined settlement of 
unit building damages, which would apply 
first, and the loss assessment. 

3. RCBAP Insured to at Least 80 Percent of the 
Building Replacement Cost 
 If the unit owner purchases building 
coverage under the Dwelling Form and 
there is an RCBAP insured to at least 80 
percent of the building replacement cost 
at the time of loss, the loss assessment 
coverage under the Dwelling Form will 
pay that part of a loss that exceeds 80 
percent of the associations building 
replacement cost. 
 The loss assessment coverage under the 
Dwelling Form will not cover the 
associations policy deductible purchased 
by the condominium association. 
 If there is damage to building elements of 
the unit as well, the Dwelling Form pays to 
repair unit building elements after the 
RCBAP limits that apply to the unit have 
been exhausted. The coverage combination cannot exceed the building 
coverage limit under the Dwelling Form. 
4. RCBAP Insured to Less than 80 Percent of the 
Building Replacement Cost 
 If the unit owner purchases building 
coverage under the Dwelling Form and 
there is an RCBAP insured to less than 80 
percent of the building replacement cost 
at the time of loss, the loss assessment 
coverage cannot be used to reimburse the 
association for its coinsurance penalty. 
 The covered damages to the condominium association building must be 
greater than 80 percent of the building 
replacement cost at the time of loss 
before the loss assessment coverage 
becomes available under the Dwelling 
Form. Covered repairs to the unit, if 
applicable, would have priority over loss 
assessments. 
For more information on this topic, see D. Assessment Coverage on page CONDO 7 and Section 

III. C. 3. of the Dwelling Form, Condominium Loss 
Assessments, on page POL 8. 
F. Improvements and Betterments and 
Tenants Coverage 
Under the Standard Flood Insurance Policy, 
coverage for improvements and betterments is 
provided for tenants who have purchased 
personal property coverage. The maximum 
amount payable for this coverage, which applies 
to fixtures, alterations, installations, or additions 
made or acquired solely at the tenants expense 
and comprising part of an insured building, is 10 
percent of the personal property limit of liability 
shown on the Declarations Page. Use of 
improvements and betterments coverage 
reduces the amount of coverage available for 
personal property. 

A tenant may purchase higher limits of coverage 
for improvements and betterments under the 
building coverage if the lease agreement with 
the building owner: 

 Requires that the tenant purchase 
insurance coverage for the tenants 
improvements and betterments that are 
made or acquired; and 
 States that the tenant is responsible for the 
repair of the building and/or improvements 
and betterments that become damaged. 
Duplicate coverage is not permitted under the 
NFIP, so only one policy can be issued for 
building coverage, and the amount of building 
coverage cannot exceed the maximum 
allowable under the Act. The policy may be 
issued either in the name of the building owner 
or in the names of the building owner and the 
tenant. 

X. SPECIAL RATING SITUATIONS 
A. Tentative Rates 
Tentative rates are applied when producers are 
unable to provide all required underwriting 
information necessary to rate the policy. 
Tentatively rated policies cannot be endorsed to 
increase coverage limits or renewed for another 
policy term until required actuarial rating 
information and full premium payment are 
received by the NFIP. If a loss occurs on a 
tentatively rated policy, the loss payment will be 
limited by the amount of coverage that the 
premium initially submitted will purchase (using 
the correct actuarial rating information), and not 
the amount requested by application. 

GR 12 October 1, 2008 


B. Submit-For-Rate 
Some risks, because of their unique underwriting 
characteristics, cannot be rated using this 
manual. Certain risks must be submitted to the 
NFIP Underwriting Unit to determine the 
appropriate rate. Refer to page GR 9 for the 
applicable waiting period. 

Submit-for-rate policies must be rerated annually 
using the newest rates. If the NFIP Direct or 
WYO company does not have all the underwriting 
information, it must request the missing 
information from the insured in order to properly 
rate the risk. 

Pre-FIRM risks may not be rated using the 
submit-for-rate process except for buildings with 
subgrade crawl spaces as described on page 
RATE 25, paragraph G. 

C. Provisional Rates 
Rules applicable to provisionally rated policies 
are provided in the Provisional Rating section of 
this manual. 

D. Buildings in More Than One Flood Zone 
Buildings, not the land, located in more than one 
flood zone must be rated using the more 
hazardous zone. 

This condition applies even though the portion of 
the building located in the more hazardous zone 
may not be covered under the SFIP, such as a 
deck. 

E. Different Base Flood Elevations (BFEs) 
Reported 
When the BFE shown on a Flood Zone 
Determination Companys form is different than the 
BFE shown on the property owners Elevation 
Certificate, the BFE shown on the Elevation 
Certificate must be used to rate the policy. 

F. Flood Zone Discrepancies 
When presented with two different flood zones, 
use the more hazardous flood zone for rating 
unless the building qualifies for the 
grandfathering rule (see XIV.C. on page RATE 
21). 

XI. MISCELLANEOUS RULES 
A. Policy Term 
The policy term available is 1 year for both NFIP 
Direct business policies and policies written 
through WYO Companies. 

B. Application Submission 
Flood insurance applications and presentment of 
premium must be mailed promptly to the NFIP. 
The date of receipt of premium for the NFIP 
insurer is determined by either the date received 
at its offices or the date of certified mail. 

In the context of submission of applications, 
endorsements, and premiums to the NFIP, the 
term certified mail has been broadened to 
include not only the U.S. Postal Service but also 
certain third-party delivery services. For details, 
see the paragraph following VIII.B.2. on page 
GR 8. 

Producers are encouraged to submit flood 
insurance applications by certified mail. Certified 
mail ensures the earliest possible effective date if 
the application and premium are received by the 
NFIP insurer more than 10 days from the 
application date. The date of certification 
becomes the date of receipt at the NFIP. 

C. Delivery of the Policy 
The producer is responsible for delivering the 
declarations page and the policy contract of a 
new policy to the insured and, if appropriate, to 
the lender. Renewal policy documentation is sent 
directly to the insured. 

D. Assignment 
A property owner's flood insurance building policy 
may be assigned in writing to a purchaser of the 
insured property upon transfer of title without the 
written consent of the NFIP. 

Policies on buildings in the course of construction 
and policies insuring contents only may not be 
assigned. 

E. Producers' Commissions (Direct 
Business Only) 
The earned commission may be paid only to 
property or casualty insurance producers duly 
licensed by a state insurance regulatory authority. 
It shall not be less than $10 and is computed for 

 GR 13 October 1, 2008 


both new and renewal policies as follows: Based 
on the Total Prepaid Amount (less the Federal 
Policy Fee) for the policy term, the commission 
will be 15 percent of the first $2,000 of annualized 
premium and 5 percent on the excess of $2,000. 

Calculated commissions for mid-term endorsements and cancellation transactions will be based 
upon the same commission percentage that was 
paid at the policy term's inception. 

Commissions for all Scheduled Building Policies 
are computed as though each building and 
contents policy was separately written. 

For calculation of commission on an RCBAP, see 
the CONDO section. 

F. Contract Agent Rule 
A Contract Agent is an employee of a WYO 
Company, or an agent under written contract with 
WYO Company, empowered to act on 
thecompanys 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 agents or employees 
receipt of the premium and completion of the 
application. 

An agent under written contract to a WYO 
Company is not a Contract Agent if the WYO 
Company reserves the right to reject the risk. 
The effective date for a policy not written through 
a Contract Agent has a waiting period that begins 
on the WYO Companys receipt of the premium 
and completed application. 

To establish a Contract Agent relationship 
acceptable to the NFIP, the WYO Company 
must include the stipulations above in its written 
contract with the agent or employee. 

 GR 14 October 1, 2008 


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APPLICATION 


I. USE OF THE FORM 
The NFIP Flood Insurance Application form, or a 
similar form for WYO companies, must be used 
for all flood insurance policies except the 
Preferred Risk Policy. 

This section includes important guidance to 
carry out the regulatory intent and instructions 
on the rating of the different building types. 

The flood insurance rate to be applied to a 
building in the NFIP is determined by 
establishing: 

 Whether the building is Post-FIRM 
construction or Pre-FIRM construction. 
 The building description with regard to: 
- Building occupancy 
- Building type 
- Basement type 
- Elevated building type 
 The flood risk zone 
 The elevation of the building 
II. TYPES OF BUILDINGS 
For purposes of the NFIP, distinctions have 
been made among the following building types: 

 No basement 
- One floor 
- Split level 
- Two or more floors 
 Unfinished basement 
- Split level 
- Two or more floors 
 Finished basement 
- Split level 
- Two or more floors 
 Manufactured (mobile) home, including 
doublewide, or travel trailer, on foundation 
 Elevated building 
- No enclosure 
- With enclosure (including crawl space) 
APP 1 

An elevated building is a building that has 
no basement and that has its lowest 
elevated floor raised above ground level by 
foundation walls, shear walls, posts, piers, 
pilings, or columns. 

For Post-FIRM buildings in V Zones, 
elevated on solid perimeter foundation 
walls, submit the Application to the NFIP 
Bureaus Underwriting Department for 
rating. 

III. SCHEDULED BUILDING POLICY 
1. To obtain a Scheduled Building Policy, an 
Application must be completed for each 
building and/or contents for which coverage 
is requested. 
2. For each scheduled building (building and/or 
contents coverage), the Federal Policy Fee 
is $35.00 per building. 
3. All Flood Insurance Application forms must 
be completed in accordance with all Flood 
Insurance Manual rules and the Scheduled 
Building Policy qualifications. 
4. If requesting a Scheduled Building Policy, 
indicate Building #1, Building #2, etc., in the 
upper right corner of each Application. 
Staple together the Applications as a single 
unit. 
IV. COMPLETING PART 1 OF THE FLOOD 
INSURANCE APPLICATION FORM 
The following are instructions for completing 
Part 1 of the Flood Insurance Application form. 

A. Policy Status 
In the upper right corner of the form, check the 
appropriate box to indicate if the application is 
for a NEW policy or a RENEWAL of an existing 
policy. If the application is for a renewal, enter 
the current 10-digit NFIP policy number. 

B. Policy Term (Billing/Policy Period) 
Check the appropriate box to indicate who 
should receive the renewal bill. If BILL FIRST 
MORTGAGEE is checked, complete "First 
Mortgagee" section. If BILL SECOND 
MORTGAGEE, BILL LOSS PAYEE, or BILL 
OTHER is checked, provide mailing instructions 
in the "Second Mortgagee or Other" section. 

May 1, 2008 


Enter the policy effective date and policy 
expiration date (month-day-year). The effective 
date of the policy is determined by adding the 
appropriate waiting period to the date of 
application listed in the "Signature" section. The 
standard waiting period is 30 days. 

NOTE: Refer to the General Rules section, 

page GR 8, for exceptions to the 

standard waiting period. 

C. Agent Information 
Enter the producers name, agency name and 
number, address, city, state, ZIP Code, 
telephone number, and fax number. Enter the 
producers Tax I.D. Number. 

D. Insured Mail Address 
Enter the name, mailing address, city, state, ZIP 
Code, and telephone number of the insured. 

If the insureds mailing address is a post office 
box or a rural route number, or if the address of 
the property to be insured is different from the 
mailing address, the "Property Location" section 
of the Application must be completed. If there is 
more than one building at the property location, 
see "H. Property Location" in the next column for 
further instructions. 

E. Disaster Assistance 
Check YES if flood insurance is being required 
for disaster assistance. Identify the Government 
(disaster) agency, and enter the complete name 
and mailing address of the disaster agency. 
Enter the insureds case file number. 

If NO is checked, no further information is 
required. 

F. First Mortgagee 
Enter the name, mailing address, city, state, ZIP 
Code, telephone number, and fax number of the 
first mortgagee. Enter the loan number. If not 
available at the time of application, the loan 
number should be added to the policy by 
submitting a General Change Endorsement 
form. 

For condominium association applications, the 
mortgagees for the individual condominium unit 
owners must not be entered here. The General 
Property Form and RCBAP provide coverage for 
the entire building and the real property 
elements, including all units within the building 
and the improvements within the units. 

G. Second Mortgagee Or Other 
Identify additional mortgagees by checking the 
appropriate box and entering the loan number, 
the mortgagee's name, mailing address, 
telephone number, and fax number. 

For condominium associations, follow the 
appropriate instructions provided under F. First 
Mortgagee. 

If more than one additional mortgagee or 
disaster assistance agency exists, provide the 
requested information on the insurance agencys 
letterhead and attach the letterhead to the 
Application form. Provide the disaster assistance 
case number. 

H. Property Location 
Check YES if the location of the property being 
insured is the same as the insureds mailing 
address entered in the "Insured Mail Address" 
section. Leave the rest of the section blank 
unless there is more than one building at the 
property location. 

If more than one building is at the location of the 
insured property, use the "Property Location" 
section to specifically identify the building. An 
example would be where five buildings with the 
same mailing address and location are insured 
with separate policies. Describe briefly the 
building (barn, silo, etc.) in this section or submit 
a sketch showing the location of insured 
buildings to assist the NFIP in matching the 
policy number to the specific building insured. A 
clear description of the insureds property is 
important. 

If NO, provide address or location of the 
property to be insured. 

If the insureds mailing address is a post office 
box or rural route number, give the street 
address, legal description, or geographic 
location of the property. 

I. Community 
Enter the name of the county or parish where 
the property is located. 

Check YES if the property is located in an 
unincorporated area of a county; otherwise, 
check NO. 

APP 2 May 1, 2008 


NOTE: The mailing address may or may not 
reflect the community where the 
property is located. Do not rely on the 
mailing address when determining 
community status and identification. 
Because of possible changes in the 
Flood Insurance Rate Map (FIRM), do 
not rely on information from a prior 
policy. 

Enter the community identification number, map 
panel number, and revision suffix for the 
community where the property is located. When 
there is only one panel (i.e., a flat map), the 
community number will consist of only six digits. 
Use the FIRM in effect and that has been 
published at the time of presentment of premium 
and completion of application. 

NOTE: Not all communities that have been 
assigned NFIP community numbers 
are participating in the National Flood 
Insurance Program. Policies may not 
be written in nonparticipating communities. 

Community number and status may be obtained 
by calling the NFIP insurer, by consulting a 
local community official, or by checking the 
NFIP Community Status Book online 
(http://www.fema.gov/fema/csb.shtm). 

Check YES if the property is located in a Special 
Flood Hazard Area; otherwise, check NO. 

Enter the FIRM zone in the space provided. If 
the program type is Emergency, leave this area 
blank. 

Check R if the community is in the Regular 
Program, or check E if the community is in the 
Emergency Program. 

If the community program type is Regular and 
the building is Pre-FIRM construction, enter the 
FIRM zone, if known; otherwise, enter 
UNKNOWN and follow the Alternative Rating 
procedure explained in the Rating section of this 
manual. UNKNOWN cannot be used for 
manufactured homes or other buildings located 
in a community having flood Zones V or V1-V30 
(VE). 

Determine whether the community is located in 
a CBRS or OPA. See CBRS section for 
additional information. 

J. Building 
Complete all required information in this section. 

 Building Occupancy 
Indicate the type of occupancy for the 
building (i.e., single family, 2-4 family, other 
residential, or non-residential). 

 Basement or Enclosed Area Below an 
Elevated Building 
Indicate whether the building contains a 
basement (i.e., lowest floor is below ground 
on all sides). If an enclosure is the lowest 
floor for rating, use the "With Basement/ 
Enclosure" Rate Table to determine the rate. 

If the enclosure is not the lowest floor for 
rating, use the Without Basement/ 
Enclosure Rate Table and describe the 
building as Without Basement/Enclosure. In 
A zones, this means that the enclosure was 
designed with proper openings; in Post-FIRM 
V zones constructed before October 1, 1981, 
the enclosure is less than 300 square feet 
with breakaway walls and no machinery or 
equipment in the enclosure is below the 
BFE. 

The writing company may use the 
Obstruction Type description provided in 
the Transaction Record Reporting and 
Processing (TRRP) Plan to show the 
enclosure on the policy declarations page. 

 Small Business Risk 
Indicate Yes or No. 

 Number of Floors or Building Type 
Indicate the number of floors in the entire 
building, including the basement/enclosed 
area if applicable, in the appropriate space. 

If the building type is a townhouse/rowhouse 
being covered under an RCBAP, check 
"Townhouse/Rowhouse (RCBAP Lowrise 
Only)." 

If the building is a manufactured (mobile) 
home or travel trailer on a foundation, check 
"Manufactured (Mobile) Home on Foundation" 
regardless of the buildings size. Dimensions 
of manufactured (mobile) homes and travel 
trailers are used only for determining 
replacement cost eligibility, not for rating. 

APP 3 May 1, 2008 


 Number of Occupancies (Units) 
For other than single family dwellings, 
indicate the number of units. 

 Condo Coverage 
If condominium coverage is being 
purchased, indicate whether the coverage is 
for a condominium unit or the entire 
condominium building. 

 Residential Condominium Building Association Policy 
For a Residential Condominium Building 
Association Policy (RCBAP), enter the total 
number of units (including non-residential) 
within the building and indicate whether the 
building is a high-rise or low-rise. The 
RCBAP covers only a residential 
condominium building in a Regular Program 
community. 

 Estimated Replacement Cost 
Using normal company practice, estimate 
the replacement cost value and enter the 
value in the space provided. Include the cost 
of the building foundation when determining 
the replacement cost value. 

 Insured's Principal Residence 
Indicate whether the building is the 
policyholder's principal residence. 

 Building in Course of Construction 
Indicate whether the building is in the course 
of construction. 

 Deductible and Deductible Buyback 
Enter the deductible amount for building 
and/or contents. Also indicate whether the 
applicant is buying back a $500 deductible. 
Refer to page RATE 12 to buy back a $500 
deductible. (See deductible factors on pages 
RATE 13 and CONDO 22.) 

 Elevated Building 
Indicate whether this is an elevated building. 
If it is, also indicate, in the next block, 
whether the area below the lowest elevated 
floor is free of obstruction or with 
obstruction. 

For all elevated buildings using elevation for 
rating, complete Part 2 on the back of the 
Flood Insurance Application after you have 
completed Part 1. 

 Describe Building and Use 
For other than 1-4 family dwellings, describe 
the insured building and its use. This 
includes manufactured (mobile) homes and 
travel trailers, other residential structures, 
and non-residential buildings. For all 
manufactured (mobile) homes and travel 
trailers, complete Part 2 on the back of the 
Flood Insurance Application after you have 
completed Part 1. 

 State Government Ownership of Property 
Check YES if the building is owned by state 
government; otherwise, check NO. 

K. Contents 
Check the box that describes the location of the 
contents to be insured. Describe any contents 
that are not personal property household 
contents. 

If only building insurance is to be purchased, be 
sure to notify the applicant of the availability of 
contents insurance. It is recommended that the 
applicant initial the contents coverage section if 
no contents insurance is requested. This will 
make the applicant aware that the policy will not 
provide payment for contents losses. 

L. Construction Data 
1. Construction Date 
Check one of the five blocks in the first part 
of this section, and enter the appropriate 
date for the date of construction or building 
permit date. (For substantial improvement, 
see the Substantial Improvement 
Exception instructions that follow.) 

In the Emergency Program, provide the 
month/day/year of construction. If the 
month and day are unknown, enter July 1 
(07/01) and enter the best information for 
the year of construction. The rest of the 
sections should be left blank. 

If the building was constructed or 
substantially improved on or before 
December 31, 1974, or before the effective 
date of the initial FIRM for the community, 
the building is considered Pre-FIRM 
construction. Otherwise, the building is 
considered Post-FIRM. 

If the building was substantially improved, 
enter the actual month, day, and year that 

APP 4 May 1, 2008 


substantial improvement started or the 
building permit date. 

If the building was substantially damaged, 
enter the actual month, day, and year that 
substantial damage occurred. Substantial 
improvement includes buildings that have 
incurred substantial damage regardless of 
the actual repair work performed. The 
agent must obtain and submit a statement 
from a community official before the 
building can be considered substantially 
damaged. 

If the policy is for a manufactured (mobile) 
home or travel trailer located outside a 
manufactured (mobile) home park or 
subdivision, enter the date of permanent 
placement of the manufactured (mobile) 
home. See the Rating section of this 
manual for rules for manufactured (mobile) 
homes located in manufactured (mobile) 
home parks and subdivisions. 

Compare the date of construction or 
substantial improvement with the effective 
date of the initial FIRM to determine if the 
building was constructed Pre- or Post- the 
effective date of the initial FIRM. 

 Substantial Improvement Exception 
For new applications, renewal 
applications, and endorsements when 
making a rating correction concerning a 
substantial improvement to a Pre-FIRM 
building where the improvement is an 
addition to the building and it meets the 
conditions of Pre-FIRM construction, 
found on pages RATE 15-16 of this 
manual, the producer should complete 
the Construction Data section of the 
Application as follows: 

a. Enter the date of construction for the 
Pre-FIRM part of the building (not 
the date of construction of the 
addition). This date will be shown as 
the construction date on the 
declarations page. 
b. Do not respond to the question IS 
BUILDING POST-FIRM CONSTRUCTION? Instead, complete 
the top part of this section as 
follows: 
"Substantial Improvement but 
continues to be Pre-FIRM." 

c. Supply the elevation data for the 
ADDITION. 
d. Complete the remainder of both 
parts of the Construction Data 
section in the usual manner. 
If a policyholder elects to use the normal 
Post-FIRM rating for substantial 
improvement, the producer must 
complete Part 2 of the Application as 
indicated. 

2. Elevation Information 
Elevation information must be completed in 
the second part of the Construction Data 
section. 

 Post-FIRM Construction 
Check YES if the building is Post-FIRM 
construction or substantial improvement; 
otherwise, check NO. 

 Building Diagram Number and Lowest 
Adjacent Grade 
Provide the building diagram number 
and lowest adjacent grade from the 
Elevation Certificate (EC). 

NOTE: Elevation Certificates certified on 
or after January 1, 2007, must be 
submitted on the new EC form. 
The EC must meet all of the 
photograph requirements that are 
described on pages CERT 1-2 of 
this manual. An EC submitted 
without the required photographs 
is not considered valid for rating. 

The lowest adjacent grade is not 
required for buildings without estimated 
BFE located in AO and unnumbered A 
and V zones. Policies rated using the 
Floodproofing Certificate do not require 
either the lowest adjacent grade or the 
diagram number. 

In communities that participate in the 
NFIPs Community Rating System 
(CRS), building elevation information 
may be available from the community 
office in charge of building permits or 
floodplain management. 

APP 5 May 1, 2008 


 Elevation Information for Buildings in the 
Course of Construction 
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. The NFIP requires 
the agent to describe and rate the 
structure based on the proposed plans. 
Building photographs are not required. 

Buildings in the course of construction 
are to be rated the same as completed 
construction. A renewal application and 
a new EC with required building 
photographs must be submitted at 
renewal time. For example, if the 
building is elevated and the proposed 
plans show an enclosure, the building 
must be described as elevated with an 
enclosure. The only exception is when 
an EC was prepared in the course of 
construction, and the surveyor was able 
to provide all as-built elevation 
information required on the EC. 

 Lowest Floor Elevation and Related 
Items 
Use the eight building diagrams on 
pages CERT 18-19 to determine the 
correct lowest floor. See pages LFG 1-7 
for information about determining the 
lowest floor for rating. When entering 
elevation data, drop hundredths of a 
foot and show only tenths of a foot. For 
example, if the elevation difference is 
10.49, enter 10.4; do not round up to 
10.5. 

 Wave Height Adjustment 
In Zones V, V1-V30, and VE, if NO is 
checked for the question about Effects of 
Wave Action, refer to pages RATE 30-31 
for guidelines for FIRMS with wave 
heights. 

 Floodproofing 
If YES is checked for Floodproofed and 
the FIRM zone entered in the 
Community section of the Application is 
V, V1-V30, or VE, the Application must 
be submitted to the NFIP for 
underwriting and rating. For all other 
zones, refer to pages RATE 31-32 for 
elevation difference and rating 
guidelines. 

 Elevation Certification 
Enter the elevation certification date for 
all new business applications. 

M. Coverage and Rating 
Check desired coverage against the Amount of 
Insurance Available table on page RATE 1. 
Then enter the limits, indicate the rates and rate 
type, and add additional charges/credits, i.e., 
deductible reduction/increase, ICC Premium, 
CRS Premium Discount, Probation Surcharge (if 
any), and Federal Policy Fee. Calculate the 
Total Prepaid Amount. 

Effective May 1, 2008, the Community Rating 
System (CRS) discount is not available on NFIP 
policies for Post-FIRM structures located in a 
Special Flood Hazard Area (SFHA) where the 
lowest floor elevation used for rating is at least 1 
foot or more below the Base Flood Elevation 
(BFE), with the exception of (1) Post-FIRM 
V-Zone buildings with unfinished breakaway wall 
enclosures and machinery or equipment at or 
above the BFE, and (2) subgrade crawl spaces 
with certification. 

The subgrade crawl space exception must be 
certified by a community official letter containing 
the following statement: 

"I certify that the building located at 

[address] has a crawl 
space that was built in compliance with the NFIP 
requirements for crawl space construction as 
outlined in FEMA Technical Bulletin 11-01, 
Crawlspace Construction for Buildings Located 
in Special Flood Hazard Areas." 

N. Signature 
The producer must sign the Application and is 
responsible for the completeness and accuracy 
of the information provided on it. Enter the date 
of application (month/day/year). The waiting 
period is added to this date to determine the 
policy effective date of the policy listed in the 
Policy Term section. A check or money order 
for the Total Prepaid Amount, payable to the 
NFIP, must accompany the application. 

Electronic transactions are permitted if the 
business process includes authentication of 
signatures and dates of receipt of premium. 
WYO companies are responsible for determining 
the business practices and transaction 
authentication methods they will use to ensure 
the security and integrity of such transactions. 

APP 6 May 1, 2008 


A credit card payment by VISA, MasterCard, 
American Express, Discover, or Diners Club will 
also be acceptable if a disclaimer form, signed 
by the insured, is submitted with the Flood 
Insurance Application. The disclaimer will state 
that cancellation of a policy due to a billing 
dispute will be permitted only for a billing error or 
fraud. If the credit card information is taken over 
the telephone by the producer, the producer 
may sign the authorization form on behalf of the 
payor only after having read the disclaimer to 
the payor. 

V. COMPLETING PART 2 OF THE FLOOD 
INSURANCE APPLICATION FORM 
After completing Part 1 of the Flood Insurance 
Application, the producer must complete all 
relevant items in Part 2 of the Application for the 
following risks: 

 Post-FIRM construction located in Zones 
A1-A30, AE, AH, AO, A, V1-V30, VE, and V. 
 Pre-FIRM construction using optional Post-
FIRM rating located in Zones A1-A30, AE, 
AH, AO, A, V1-V30, VE, and V. 
Part 2 of the Application collects information 
about risk factors affecting the building, 
occupancy information, and elevation data 
relative to the ground level. A completed 
Elevation Certificate must be attached to the 
Application before sending it to the NFIP. 

To complete Part 2 of the Application, the 
producer must: 

 Obtain all necessary information from the 
applicant. Then select the building diagram 
that best illustrates the applicant's building. 
These diagrams are shown in the Elevation 
Certificate and Instructions, which are 
reproduced in the Special Certifications 
section of this manual. 
 Transcribe the information from the 
applicant and Elevation Certificate onto Part 
2 of the Application. For renewal applications, enter the policy number in the space 
at the top of the form. Be sure to have the 
applicant or the applicant's representative 
sign and date the bottom of the form. 
The applicant or the applicant's representative 
must complete all numbered sections of the 
form, check all appropriate boxes, provide all 
information, and respond to all YES/NO 
questions that are applicable to the building. 

APP 7 

(For example, Section II should be completed 
only for Elevated Buildings.) 

SECTION IALL BUILDING TYPES 

1. The number of the building diagram 
selected is entered here. Use the diagrams 
shown at the end of the Elevation 
Certificate and Instructions. 
2.-4.The agent may obtain the requested 
elevation information from Section C of the 
Elevation Certificate, or the applicant or the 
applicants representative may provide this 
information. If the applicant or the 
applicants representative furnishes these 
measurements, they must be taken with a 
ruler or tape measure. All measurements 
are rounded to the nearest foot using the 
ground (grade) immediately next to the 
building. 

NOTE: The terms "grade" and "ground" are 
used interchangeably. The intent is 
that man-made alterations of the 
grade, such as a declining driveway 
into a building or a dugout entrance 
to a basement, do not represent 
ground level. 

5. If "OTHER" is checked in Question 5b, a 
brief description of the source must be 
provided. 
6. If the answer to Question 6a is NO, 
Question 6b should be disregarded. 
7. If the answer to Question 7a is NO, 
Questions 7b, 7c, 7d, and 7e should be 
ignored. 
SECTION IIELEVATED BUILDINGS 

If the building is a manufactured (mobile) 
home/travel trailer that has been elevated, 
complete this section in addition to Sections I 
and III. 

8. Check the type of foundation used for the 
building. 
9. If YES is checked, check the appropriate 
item(s). 
10. Refer to page LFG 1 to verify that the area 
below the elevated floor satisfies the 
definition of an enclosed area. 
If Question 10a is NO, do not answer 
Questions 10b through 10f. 

May 1, 2008 


In Question 10b, enter the size of the area 
in square feet. 

If Question 10c is YES, check the single 
most appropriate of boxes 1-4. 

In Question 10d, check YES if the area is 
constructed with openings (excluding 
doors), within 1 foot of adjacent grade, to 
allow the passage of flood waters. Enter 
the number of openings and their total area 
in square inches. 

If Question 10e is YES, provide a 
description. 

In Question 10f, check YES if the enclosed 
area has more than 20 linear feet of 
finished wall, paneling, etc.; otherwise, 
check NO. 

SECTION IIIMANUFACTURED (MOBILE) 
HOMES/TRAVEL TRAILERS


11. Fill in the make, year of manufacture, 
model number, and serial number. 
12. Enter the dimensions, excluding any 
permanent addition or extension to the 
manufactured (mobile) home or travel 
trailer. 
13. Check YES if permanent additions or 
extensions are present; otherwise, check 
NO. If YES, enter dimensions. 
14. If OTHER is checked, describe the 
anchoring system. 
15. Check the appropriate box for how the 
manufactured (mobile) home was installed. 
16. Check YES if the manufactured (mobile) 
home is located in a manufactured (mobile) 
home park or subdivision; otherwise, check 
NO. 
VI. MAILING INSTRUCTIONS 
After completing all sections on the Application, 
attach all required certifications or other 
documents to the applicant's check, draft, or 
money order, payable to the NFIP for the Total 
Prepaid Amount. 

A credit card payment by VISA, MasterCard, 
American Express, Discover, or Diners Club will 
also be acceptable if a disclaimer form, signed 
by the insured, is submitted with the Flood 
Insurance Application. The disclaimer will state 
that cancellation of a policy due to a billing 
dispute will be permitted only for a billing error or 

APP 8 

fraud. If the credit card information is taken over 
the telephone by the producer, the producer 
may sign the authorization form on behalf of the 
payor only after having read the disclaimer to 
the payor. 

Mail the original copy of the Application with the 
Total Prepaid Amount to the NFIP. Distribute 
copies of the Application to the agency file, the 
applicant, and the mortgagee. A copy of the 
Application and a copy of the premium payment 
are sufficient to satisfy the mortgagee's proof-ofpurchase requirements. 

After receipt of the Application and total prepaid 
amount, the NFIP will process the Application 
and issue the policy. The policy contract and 
declarations page will be mailed to the insured. 
Copies of the declaration page will be mailed to 
the producer and mortgagee(s). 

VII. HANDLING OF INCOMPLETE OR 
INCORRECT APPLICATIONS 
If an Application is not complete, or if the 
information presented on the Application is not 
correct, the Application will not be processed but 
will be placed in a pending file until the 
completed or corrected information is provided 
by the producer. For the NFIP direct business, if 
the missing information is not provided, a policy 
will be issued using Tentative Rates. If 
insufficient information is available to tentatively 
rate the policy, the flood insurance will be 
rejected and the premium remittance refunded. 

For NFIP direct business, in the case of incomplete applications, the NFIP Servicing Agent will 
send the producer a transmittal document and a 
letter requesting the incomplete or missing 
information. Copies of this letter will be provided 
to the named insured and mortgagee(s). The 
producer should provide the additional or 
corrected information to the NFIP Servicing 
Agent along with the transmittal document. 

Since coverage cannot be conferred in excess 
of the coverage that can be purchased for the 
amount presented (received by the NFIP), it is 
important that underpayment errors be corrected 
immediately. In the case of an underpayment, 
when both building and contents coverage have 
been requested, the coverage reduction will be 
prorated between building and contents in 
accordance with NFIP rules. The ratio of building 
to contents coverage for the full requested 
coverage will be used to determine the portion of 
the submitted premium available to purchase 
building and contents coverage. 

May 1, 2008 


APP 9 May 1, 2008 


APP 10 May 1, 2008 


(TABLE OF CONTENTS) TABLE OF CONTENTS
(PREVIOUS SECTION) PREVIOUS SECTION
(NEXT SECTION) NEXT SECTION 
APP 11 May 1, 2008 


(TABLE OF CONTENTS) TABLE OF CONTENTS
(NEXT SECTION) NEXT SECTION
(PREVIOUS SECTION) PREVIOUS SECTION
RATING 

This section contains information, including rate 
tables, required to accurately rate a flood 
insurance policy. Information and rates for the 
Preferred Risk Policy (PRP) and Residential 
Condominium Building Association Policy 
(RCBAP) are found in their respective sections. 

The detailed drawings, and accompanying text 
and tables, in the Lowest Floor Guide section 
are to be used as a guide for identifying the 
lowest floor for rating buildings. This guide will 
assist in developing the proper rate for the 
building. 

I. AMOUNT OF INSURANCE AVAILABLE 
Examples of some rating situations are shown 
on pages RATE 49 through RATE 63. 

A premium table for single family Pre-FIRM 
buildings located in Special Flood Hazard Areas 
(SFHAs) is located on page RATE 11. These 
premiums were calculated using Rate Table 2. 
This premium table is included in this manual to 
help the agent more easily quote premiums for 
buildings that do not require elevation 
certification. 

BUILDING COVERAGE 
Single Family Dwelling 
2-4 Family Dwelling 
Other Residential 
Non-Residential 
EMERGENCY 
PROGRAM 
REGULAR PROGRAM 
Basic 
Insurance 
Limits 
Additional 
Insurance 
Limits 
Total 
Insurance 
Limits 
$ 35,000 * 
$ 35,000 * 
$100,000** 
$100,000** 
$ 50,000 
$ 50,000 
$150,000 
$150,000 
$200,000 
$200,000 
$100,000 
$350,000 
$250,000 
$250,000 
$250,000 
$500,000 
CONTENTS COVERAGE 
Residential 
Non-Residential 
$ 10,000 
$100,000 
$ 20,000 
$130,000 
$ 80,000 
$370,000 
$100,000 
$500,000

 * In Alaska, Guam, Hawaii, and U.S. Virgin Islands, the amount available is $50,000. 
** In Alaska, Guam, Hawaii, and U.S. Virgin Islands, the amount available is $150,000. 
NOTE: For RCBAP, refer to CONDO Section for basic insurance limits and maximum 
coverage available. 

II. RATE TABLES 
Rate tables are provided for the Emergency $100 of coverage. Table 6 provides 
Program and for the Regular Program according precalculated Pre-FIRM premiums for various 
to Pre-FIRM, Post-FIRM, and zone coverage limits. See Table 7 for Federal Policy 
classifications. Tables 1-5 show annual rates per Fee and Probation Surcharge. 

TABLE 1. EMERGENCY PROGRAM RATES 
ANNUAL RATES PER $100 OF COVERAGE 
(Basic/Additional) 

Building Contents 
Residential .76 .96 
Non-Residential .83 1.62 

RATE 1 May 1, 2008 


TABLE 2. REGULAR PROGRAM -- PRE-FIRM CONSTRUCTION RATES1, 2 
ANNUAL RATES PER $100 OF COVERAGE 
(Basic/Additional) 


FIRM ZONES A, AE, A1-A30, AO, AH, D 

OCCUPANCY Single Family 2-4 Family Other Residential Non-Residential 
Building Contents Building Contents Building Contents Building Contents 
No Basement/Enclosure .76 / .54 .96 / 97 .76 / .54 .76 / 1.12 .83 / 1.07 
With Basement .81 / .79 .96 / .81 .81 / .79 .81 / .93 .88 / 1.05 
With Enclosure .81 / .96 .96 / .97 .81 / .96 .81 / 1.18 .88 / 1.33 
Manufactured (Mobile) Home3 .76 / .54 .96 / .97 .83 / 1.07 
Basement & Above .96 / .81 .96 / .81 1.62 / 1.81 
Enclosure & Above .96 / .97 .96 / .97 1.62 / 2.17 
Lowest Floor Only - Above .96 / .97 .96 / .97 1.62 / .95 
Ground Level 
Lowest Floor Above Ground .96 / .67 .96 / .67 1.62 / .81 
Level and Higher Floors 
Above Ground Level - More .35 / .12 .35 / .12 .24 / .12 
than One Full Floor 
Manufactured (Mobile) Home3 1.62 / .95 

FIRM ZONES V, VE, V1-V30 


OCCUPANCY Single Family 2-4 Family Other Residential Non-Residential 
Building Contents Building Contents Building Contents Building Contents 
No Basement/Enclosure .99 / 1.35 1.23 / 2.32 .99 / 1.35 .99 / 2.50 1.10 / 2.59 
With Basement 1.06 / 2.02 1.23 / 1.95 1.06 / 2.02 1.06 / 3.73 1.16 / 3.86 
With Enclosure 1.06 / 2.38 1.23 / 2.31 1.06 / 2.38 1.06 / 4.17 1.16 / 4.31 
Manufactured (Mobile) Home3 .99 / 6.11 1.23 / 2.31 1.10 / 10.49 
Basement & Above 1.23 / 1.95 1.23 / 1.95 2.14 / 4.56 
Enclosure & Above 1.23 / 2.31 1.23 / 2.31 2.14 / 4.92 
Lowest Floor Only - Above 
Ground Level 
1.23 / 2.31 1.23 / 2.31 2.14 / 4.13 
Lowest Floor Above Ground 
Level and Higher Floors 
1.23 / 2.03 1.23 / 2.03 2.14 / 3.56 
Above Ground Level - More 
than One Full Floor 
.47 / .29 .47 / .29 .45 / .39 
Manufactured (Mobile) Home3 2.14 / 9.80 
FIRM ZONES A99, B, C, X 


OCCUPANCY Single Family 2-4 Family Other Residential Non-Residential 
Building Contents Building Contents Building Contents Building Contents 
No Basement/Enclosure .78 / .21 1.20 / .37 .78 / .21 .74 / .21 .74 / .21 
With Basement .89 / .30 1.36 / .43 .89 / .30 .95 / .30 .95 / .30 
With Enclosure .89 / .34 1.36 / .49 .89 / .34 .95 / .34 .95 / .34 
Manufactured (Mobile) Home3 .78 / .38 1.20 / .37 .95 / .39 
Basement & Above 1.53 / .56 1.53 / .56 1.58 / .61 
Enclosure & Above 1.53 / .65 1.53 / .65 1.58 / .73 
Lowest Floor Only - Above 
Ground Level 
1.20 / .59 1.20 / .59 .97/ .43 
Lowest Floor Above Ground 
Level and Higher Floors 
1.20 / .37 1.20 / .37 .97 / .31 
Above Ground Level - More 
than One Full Floor 
.35 / .12 .35 / .12 .22 / .12 
Manufactured (Mobile) Home3 .85 / .53 
Start of construction or substantial improvement on or before 12/31/74, or before the effective date of the initial Flood Insurance Rate 
Map (FIRM). If FIRM Zone is unknown, use rates for Zones A, AE, A1-A30, AO, AH, D. 

2 Pre-FIRM buildings with subgrade crawl spaces that are below the Base Flood Elevation (BFE) may use optional Post-FIRM elevation 
rating. Follow the procedures from the Specific Rating Guidelines for policy processing. 

3 The definition of Manufactured (Mobile) Home includes travel trailers. See page APP 3. 

RATE 2 May 1, 2008 


TABLE 3A. REGULAR PROGRAM -- POST-FIRM CONSTRUCTION RATES 


ANNUAL RATES PER $100 OF COVERAGE 
(Basic/Additional) 

FIRM ZONES A99, B, C, X 

OCCUPANCY Single Family 2-4 Family Other Residential Non-Residential 
Building Contents Building Contents Building Contents Building Contents 
No Basement/Enclosure .78 / .21 1.20 / .37 .78 / .21 .74 / .21 .74 / .21 
With Basement .89 / .30 1.36 / .43 .89 / .30 .95 / .30 .95 / .30 
With Enclosure .89 / .34 1.36 / .49 .89 / .34 .95 / .34 .95 / .34 
Manufactured (Mobile) Home1 .78 / .38 1.20 / .37 .95 / .39 
Basement & Above 1.53 / .56 1.53 / .56 1.58 / .61 
Enclosure & Above 1.53 / .65 1.53 / .65 1.58 / .73 
Lowest Floor Only - Above 
Ground Level 
1.20 / .59 1.20 / .59 .97 / .43 
Lowest Floor Above Ground 
Level and Higher Floors 
1.20 / .37 1.20 / .37 .97 / .31 
Above Ground Level - More 
than One Full Floor 
.35 / .12 .35 / .12 .22 / .12 
Manufactured (Mobile) Home1 .85 / .53 
FIRM ZONE D 


OCCUPANCY Single Family 2-4 Family Other Residential Non-Residential 
Building Contents Building Contents Building Contents Building Contents 
No Basement/Enclosure 1.11 / .38 1.11 / .69 1.11 / .38 1.20 / .69 1.20 / .69 
With Basement *** *** *** *** *** 
With Enclosure *** *** *** *** *** 
Manufactured (Mobile) Home1 1.45 / .75 1.31 / .80 2.49 / .93 
Basement & Above *** *** *** 
Enclosure & Above *** *** *** 
Lowest Floor Only - Above 
Ground Level 
1.11 / .69 1.11 / .69 1.95 / .62 
Lowest Floor Above Ground 
Level and Higher Floors 
1.11 / .47 1.11 / .47 1.95 / .59 
Above Ground Level - More 
than One Full Floor 
.35 / .12 .35 / .12 .24 / .12 
Manufactured (Mobile) Home1 1.95 / .62 
FIRM ZONES AO, AH ("No Basement" Buildings Only)2 

Building Contents 
OCCUPANCY 
1-4 Family Other Res 
& Non-Res 
Residential Non- 
Residential 
With Certification of Compliance3 .28 / .08 .23 / .08 .37 / .13 .23 / .13 
Without Certification of Compliance or Elevation Certificate4 .93 / .21 1.01 / .36 1.17 / .24 1.97 / .31 

1 The definition of Manufactured (Mobile) Home includes travel trailers. See page APP 3. 
2 Zones AO, AH Buildings With Basement/Enclosure: Submit for Rating 
3 With Certification of Compliance rates are to be used when the Elevation Certificate shows that the lowest 
floor is equal to or greater than the community's elevation requirement. 
4 Without Certification of Compliance rates are to be used only on Post-FIRM structures without an Elevation 
Certificate or when the Elevation Certificate shows that the lowest floor elevation of a Post-FIRM structure is 
less than the communitys elevation requirement. 

*** SUBMIT FOR RATING 

RATE 3 May 1, 2008 


TABLE 3B. REGULAR PROGRAM -- POST-FIRM CONSTRUCTION RATES 
ANNUAL RATES PER $100 OF COVERAGE 
(Basic/Additional) 


FIRM ZONES AE, A1-A30 --BUILDING RATES 

Elevation of 
Lowest Floor 
Above or 
Below BFE1 
One Floor, No 
Basement/Encl 
More than One Floor, 
No Basement/Encl 
More than One Floor, 
With Basement/Encl 
Manufactured 
(Mobile) Home2 
1-4 Family Other 
Residential 
& Non-
Residential 
1-4 Family Other 
Residential 
& Non-
Residential 
1-4 Family Other 
Residential 
& Non-
Residential 
Single 
Family 
Non-
Residential 
+4 .24 / .08 .20 / .08 .24 / .08 .20 / .08 .24/ .08 .20 / .08 .24 / .08 .20 / .08 
+3 .24 / .08 .20 / .08 .24 / .08 .20 / .08 .24 / .08 .20 / .08 .25 / .08 .22 / .08 
+2 .39 / .08 .26 / .08 .25 / .08 .20 / .08 .25 / .08 .20 / .08 .43 / .08 .34 / .08 
+1 .74 / .08 .47 / .10 .48 / .08 .30 / .08 .32 / .08 .26 / .08 .88 / .09 .72 / .08 
0 1.44 / .11 1.33 / .20 1.05 / .10 .81 / .15 .75 / .09 .61 / .16 2.25 / .11 1.83 / .09 
-13 3.80 / 1.39 5.39 / 1.35 3.34 / 1.21 3.65 / .62 1.90 / .67 1.75 / .70 *** *** 
-2 *** *** *** *** *** *** *** *** 

FIRM ZONES AE, A1-A30 -- CONTENTS RATES 

Elevation of 
Lowest Floor 
Lowest Floor Only -Above 
Ground Level 
(No Basement/Encl.) 
Lowest Floor 
Above Ground Level 
& Higher Floors (No 
Basement/Encl.) 
More than One 
Floor With 
Basement/Enclosure 
Manufactured 
(Mobile) Home2 
Above or 
Below BFE1 
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 / .12 
+3 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .12 
+2 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .31 / .14 
+1 .52 / .12 .32 / .18 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .59 / .12 .49 / .19 
0 1.24 / .12 .78 / .39 .69 / .12 .53 / .24 .41 / .12 .32 / .12 1.27 / .12 1.15 / .58 
-13 3.74 / .75 2.41 / 1.10 2.11 / .58 1.61 / .70 .60 / .14 1.06 / .14 *** *** 
-2 *** *** *** *** *** *** *** *** 

FIRM ZONES AE, A1-A30 -- CONTENTS RATES 

Elevation of 
Lowest Floor 
Above Ground Level 
More than One Full Floor 
Above or 
Below BFE1 
Single Family 2-4 Family Other Residential Non-Residential 
+4 .35 / .12 .35 / .12 .22 / .12 
+3 .35 / .12 .35 / .12 .22 / .12 
+2 .35 / .12 .35 / .12 .22 / .12 
+1 .35 / .12 .35 / .12 .22 / .12 
0 .35 / .12 .35 / .12 .22 / .12 
-1 .35 / .12 .35 / .12 .22 / .12 
-2 .35 / .12 .37 / .12 .24 / .12 

1 

If Lowest Floor is 1 because of attached garage, submit application for special consideration. Rate may be lower. 

2 

The definition of Manufactured (Mobile) Home includes travel trailers. See page APP 3. 

3 

Use Submit-for-Rate guidelines if the enclosure below the lowest elevated floor of an elevated building or if the crawl 
space (under-floor space) that has its interior floor within 2 feet below grade on all sides, which is used for rating, is 1 or 
more feet below BFE. 

*** SUBMIT FOR RATING 

RATE 4 May 1, 2008 


TABLE 3C. REGULAR PROGRAM -- POST-FIRM CONSTRUCTION RATES 
ANNUAL RATES PER $100 OF COVERAGE 
(Basic/Additional)


UNNUMBERED ZONE A -- WITHOUT BASEMENT/ENCLOSURE1 

Elevation 
Difference to 
nearest foot 
BUILDING RATES CONTENTS RATES 
TYPE OF ELEVATION 
CERTIFICATE 
Occupancy Occupancy 
1-4 Family Other & Non-
Residential 
Residential2 NonResidential2 
+5 or more .36 / .10 .48 / .15 .62 / .12 .65 / .12 
NO ESTIMATED 
BASE FLOOD ELEVATION3 
+2 to +4 1.09 / .13 1.00 / .20 .87 / .17 .98 / .23 
+1 2.09 / .64 2.25 / .75 1.54 / .57 1.46 / .72 
0 or below *** *** *** *** 
+2 or more .41 / .08 .34 / .09 .51 / .12 .49 / .12 
WITH THE ESTIMATED 
BASE FLOOD ELEVATION4 
0 to +1 1.06 / .12 .91 / .18 .85 / .16 .84 / .21 
-1 3.48 / 1.30 4.41 / 1.02 2.71 / .70 2.20 / 1.02 
-2 or below *** *** *** *** 
No Elevation 
Certificate5 4.06 / 1.42 5.51 / 1.70 3.36 / 1.00 3.24 / 1.35 No Elevation Certificate 

1

 Zone A building with basement (including crawl space below grade on all sides) or enclosure --Submit for Rating. 

2

 For elevation rated risks other than Single Family, when contents are located one floor or more above lowest floor 
used for rating --use .35 /.12. 

3

 Elevation difference is the measured distance between the highest adjacent grade next to the building 
and the lowest floor of the building. 


4

 Elevation difference is the measured distance between the estimated BFE provided by the community 
or registered professional engineer, surveyor, or architect and the lowest floor of the building. 


5

 For building without basement or enclosure, Elevation Certificate is optional. 

*** SUBMIT FOR RATING 

RATE 5 May 1, 2008 


TABLE 3D. REGULAR PROGRAM -- POST-FIRM CONSTRUCTION RATES 
ANNUAL RATES PER $100 OF COVERAGE 
(Basic/Additional)


FIRM ZONES '75-81, V1-V30, VE -- BUILDING RATES1 

Elevation of 
Lowest Floor 
Above or 
Below BFE 
One Floor, No 
Basement/Encl 
More than One Floor, 
No Basement/Encl 
More than One Floor, 
With Basement/Encl 
Manufactured (Mobile) 
Home2 
1-4 Family Other 
Residential & 
Non-
Residential 
1-4 Family Other 
Residential 
& Non-
Residential 
1-4 Family Other 
Residential 
& Non-
Residential 
Single 
Family 
Non-
Residential 
03 2.53 / .46 3.07 / 1.19 2.05 / .46 2.22 / 1.11 1.78 / .46 1.99 / .90 3.80 / .38 5.43 / .34 
-14 5.41 / 2.77 8.07 / 4.45 4.95 / 2.77 6.95 / 3.38 3.51 / 2.51 3.68 / 3.43 *** *** 
-2 *** *** *** *** *** *** *** *** 

FIRM ZONES '75-81, V1-V30, VE -- CONTENTS RATES 

Elevation of 
Lowest Floor Only -- 
Above Ground Level 
(No Basement/Encl.) 
Lowest Floor 
Above Ground Level 
& Higher Floors (No 
Basement/Encl.) 
More than One 
Floor With 
Basement/Enclosure 
Manufactured (Mobile) 
Home2 
Lowest Floor 
Above or 
Below BFE 
Residential Non-
Residential 
Residential Non-
Residential 
Residential Non-
Residential 
Single 
Family 
Non-
Residential 
03 3.93 / .55 3.47 / 2.54 2.55 / .61 2.42 / 1.52 1.44 / .55 1.44 / .55 3.78 / .61 3.94 / 3.25 
-14 8.62 / 4.19 8.46 / 7.37 5.08 / 3.25 5.80 / 4.60 1.70 / .55 5.17 / .55 *** *** 
-2 *** *** *** *** *** *** *** *** 

FIRM ZONES '75-81, V1-V30, VE -- CONTENTS RATES 

Elevation of 
Lowest Floor 
Above Ground Level 
More than One Full Floor 
Above or 
Below BFE 
Single Family 2-4 Family Other Residential Non-Residential 
03 .55 / .25 .55 / .25 .42 / .25 
-14 .55 / .25 .55 / .25 .42 / .25 
-2 .55 / .25 .55 / .25 .46 / .25 

1 

Policies for 1975 through 1981 Post-FIRM and Pre-FIRM buildings in Zones VE and V1-V30 will be allowed to use 
the Post-81 V Zone rate table if the rates are more favorable to the insured. See instructions on page RATE 23 for 
V Zone Optional Rating. 

2 The definition of Manufactured (Mobile) Home includes travel trailers. See page APP 3. 

3 

These rates are to be used if the lowest floor of the building is at or above BFE. 

4 

Use Submit-for-Rate guidelines if the enclosure below the lowest elevated floor of an elevated building, which is used for 
rating, is 1 or more feet below BFE. 

*** SUBMIT FOR RATING 

FIRM ZONES '75-'81, UNNUMBERED V ZONE 

SUBMIT FOR RATING 


RATE 6 May 1, 2008 


TABLE 3E. REGULAR PROGRAM -- POST-FIRM CONSTRUCTION RATES 
ANNUAL RATES PER $100 OF COVERAGE 


1981 POST-FIRM V1-V30, VE ZONE RATES1 

Elevation of the 
lowest floor Elevated Buildings Free of Obstruction3 
above or below 
BFE adjusted for 
wave height2 
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 .38 .38 .62 .83 1.26 
+3 .38 .38 .75 1.01 1.52 
+2 .55 .59 .97 1.30 1.95 
+1 .96 1.03 1.41 1.88 2.63 
0 1.47 1.58 1.81 2.42 3.40 
-1 2.13 2.19 2.40 3.16 4.11 
-2 2.96 3.12 3.15 4.13 5.27 
-3 4.06 4.31 4.06 5.43 6.88 
-4 or below *** *** *** *** *** 

1Policies for 1975 through 1981 Post-FIRM and Pre-FIRM buildings in Zones VE and V1-V30 will be allowed to use 
the Post-81 V Zone rate table if the rates are more favorable to the insured. See instructions on page RATE 23 for 
V Zone Optional Rating. 

2Wave height adjustment is not required in those cases where the Flood Insurance Rate Map indicates that the map 
includes wave height. 
3Free of ObstructionThe space below the lowest elevated floor must be completely free of obstructions or any 
attachment to the building, or may have: 

(1) Insect screening, provided that no additional supports are required for the screening; or 
(2) Wooden or plastic lattice with at least 40 percent of its area open and made of material no thicker than  inch; or 
(3) Wooden or plastic slats or shutters with at least 40 percent of their area open and made of material no thicker 
than 1 inch. 
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. 

4These percentages represent building replacement cost ratios, which are determined by dividing the amount of 
building coverage being purchased by the replacement cost. See pages RATE 20-21 for more details. 


*** SUBMIT FOR RATING 

1981 POST-FIRM V1-V30, VE ZONE 
Non-Elevated Buildings 

SUBMIT FOR RATING 


1981 POST-FIRM UNNUMBERED V ZONE 


SUBMIT FOR RATING 


RATE 7 May 1, 2008 


TABLE 3F. REGULAR PROGRAM -- POST-FIRM CONSTRUCTION RATES 
ANNUAL RATES PER $100 OF COVERAGE 


1981 POST-FIRM V1-V30, VE ZONE RATES1,2 

Elevation of the 
lowest floor 
above or below 
BFE adjusted for 
wave height3 
Elevated Buildings With Obstruction4 
Contents Building 
Residential Non-Residential 
Replacement Cost 
Ratio .75 or More5 
Replacement Cost 
Ratio .50 to .745 
Replacement Cost 
Ratio Under .505 
+4 or more .50 .50 1.38 1.84 2.74 
+3 .51 .51 1.54 2.03 3.09 
+2 .66 .66 1.80 2.35 3.59 
+1 1.11 1.18 2.09 2.80 4.05 
0 1.59 1.67 2.46 3.37 4.57 
-16 2.19 2.32 2.93 3.89 5.23 
-26 3.05 3.25 3.64 4.79 6.22 
-36 4.16 4.42 4.69 6.10 7.85 
-4 or below6 *** *** *** *** *** 

1 

Policies for 1975 through 1981 Post-FIRM and Pre-FIRM buildings in Zones VE and V1-V30 will be allowed to use 
the Post-81 V Zone rate table if the rates are more favorable to the insured. See instructions on page RATE 23 for 
V Zone Optional Rating. 

2 

Rates provided are only for elevated buildings, except those elevated on solid perimeter foundation walls. For 
buildings elevated on solid perimeter foundation walls, and for non-elevated buildings, use the Specific Rating 
Guidelines document. 

3

 Wave height adjustment is not required in those cases where the Flood Insurance Rate Map indicates that the map 
includes wave height. 

4 

With ObstructionThe 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). 

5 

These percentages represent building replacement cost ratios, which are determined by dividing the amount of 
building coverage being purchased by the replacement cost. See pages RATE 20-21 for more details. 

6

 For buildings with obstruction, use Submit-for-Rate guidelines if the enclosure below the lowest elevated floor of an 
elevated building, which is used for rating, is 1 or more feet below BFE. 

*** SUBMIT FOR RATING 

1981 POST-FIRM UNNUMBERED V ZONE 

SUBMIT FOR RATING 


RATE 8 May 1, 2008 


TABLE 4. REGULAR PROGRAM -- FIRM ZONE AR AND AR DUAL ZONES RATES


ANNUAL RATES PER $100 OF COVERAGE 
(Basic/Additional) 

PRE-FIRM NOT ELEVATION-RATED RATES1, 2 

OCCUPANCY Single Family 2-4 Family Other Residential Non-Residential 
Building Contents Building Contents Building Contents Building Contents 
No Basement/Enclosure .78 / .21 1.20 / .37 .78 / .21 .74 / .21 .74 / .21 
With Basement .89 / .30 1.36 / .43 .89 / .30 .95 / .30 .95 / .30 
With Enclosure .89 / .34 1.36 / .49 .89 / .34 .95 / .34 .95 / .34BUILDING 
TYPE 
Manufactured (Mobile) Home3 .78 / .38 1.20 / .37 .95 / .39 
Basement & Above 1.53 / .56 1.53 / .56 1.58 / .61 
Enclosure & Above 1.53 / .65 1.53 / .65 1.58 / .73 
Lowest Floor Only - Above 
Ground Level 
1.20 / .59 1.20 / .59 .97 / .43 
Lowest Floor Above Ground 
Level and Higher Floors 
1.20 / .37 1.20 / .37 .97 / .31CONTENTS 
LOCATIONAbove Ground Level - More 
than One Full Floor 
.35 / .12 .35 / .12 .22 / .12 
Manufactured (Mobile) Home3 .85 / .53 
1 

Start of construction or substantial improvement on or before 12/31/74, or before the effective date of the initial Flood Insurance Rate 
Map (FIRM). 

2 

Base Deductible is $1,000. 

3 

The definition of Manufactured (Mobile) Home includes travel trailers. See Page APP 3. 

POST-FIRM NOT ELEVATION-RATED RATES1 

OCCUPANCY Single Family 2-4 Family Other Residential Non-Residential 
Building Contents Building Contents Building Contents Building Contents 
No Basement/Enclosure .78 / .21 1.20 / .37 .78 / .21 .74 / .21 .74 / .21 
With Basement .89 / .30 1.36 / .43 .89 / .30 .95 / .30 .95 / .30 
With Enclosure .89 / .34 1.36 / .49 .89 / .34 .95 / .34 .95 / .34BUILDING 
TYPE 
Manufactured (Mobile) Home2 .78 / .38 1.20 / .37 .95 / .39 
Basement & Above 1.53 / .56 1.53 / .56 1.58 / .61 
Enclosure & Above 1.53 / .65 1.53 / .65 1.58 / .73 
Lowest Floor Only - Above 
Ground Level 
1.20 / .59 1.20 / .59 .97 / .43 
Lowest Floor Above Ground 
Level and Higher Floors 
1.20 / .37 1.20 / .37 .97 / .31CONTENTS 
LOCATIONAbove Ground Level - More 
than One Full Floor 
.35 / .12 .35 / .12 .22 / .12 
Manufactured (Mobile) Home2 .85 / .53 
1 

Base Deductible is $500. 

2 

The definition of Manufactured (Mobile) Home includes travel trailers. See page APP 3. 

RATE 9 May 1, 2008 


TABLE 5. REGULAR PROGRAM -- PRE-FIRM AND POST-FIRM 
ELEVATION-RATED RATES
ANNUAL RATES PER $100 OF COVERAGE 
(Basic/Additional)


FIRM ZONES AR and AR Dual Zones --BUILDING RATES 

Elevation of 
Lowest Floor 
Above or 
Below BFE 
One Floor, No 
Basement/Encl 
More than One Floor, 
No Basement/Encl 
More than One Floor, 
With Basement/Encl 
Manufactured 
(Mobile) Home1 
1-4 Family Other 
Residential 
& Non-
Residential 
1-4 Family Other 
Residential 
& Non-
Residential 
1-4 Family Other 
Residential 
& Non-
Residential 
Single 
Family 
Non-
Residential 
+4 .24 / .08 .20 / .08 .24 / .08 .20 / .08 .24 / .08 .20 / .08 .24 / .08 .20 / .08 
+3 .24 / .08 .20 / .08 .24 / .08 .20 / .08 .24 / .08 .20 / .08 .25 / .08 .22 / .08 
+2 .39 / .08 .26 / .08 .25 / .08 .20 / .08 .25 / .08 .20 / .08 .43 / .08 .34 / .08 
+1 .74 / .08 .47 / .10 .48 / .08 .30 / .08 .32 / .08 .26 / .08 .78 / .38 .72 / .08 
0 .78 / .21 .74 / .21 .78 / .21 .81 / .15 .75 / .09 .61 / .16 .78 / .38 .95 / .39 
-12 See Footnote2 

FIRM ZONES AR and AR Dual Zones --CONTENTS RATES 

Elevation of 
Lowest Floor 
Lowest Floor Only -Above 
Ground Level 
(No Basement/Encl.) 
Lowest Floor 
Above Ground Level 
& Higher Floors (No 
Basement/Encl.) 
More than One 
Floor With 
Basement/Enclosure 
Manufactured 
(Mobile) Home1 
Above or 
Below BFE 
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 / .12 
+3 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .12 
+2 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .31 / .14 
+1 .52 / .12 .32 / .18 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .59 / .12 .49 / .19 
0 1.24 / .12 .78 / .39 .69 / .12 .53 / .24 .41 / .12 .32 / .12 1.27 / .12 .77 / .48 
-12 See Footnote2 

FIRM ZONES AR and AR Dual Zones -- CONTENTS RATES 

Elevation of 
Lowest Floor 
Above or 
Above Ground Level 
More than One Full Floor 
Below BFE Single Family 2-4 Family Other Residential Non-Residential 
+4 .35 / .12 .35 / .12 .22 / .12 
+3 .35 / .12 .35 / .12 .22 / .12 
+2 .35 / .12 .35 / .12 .22 / .12 
+1 .35 / .12 .35 / .12 .22 / .12 
0 .35 / .12 .35 / .12 .22 / .12 
-13 .35 / .12 .35 / .12 .22 / .12 
-23 .35 / .12 .37 / .12 .24 / .12 

1 

 The definition of Manufactured (Mobile) Home includes travel trailers. See page APP 3. 

2 

 Use Table 4 Pre-FIRM and Post-FIRM Not Elevation-Rated AR and AR Dual Zones Rate Table. 

3 

These rates are only applicable to Contents-only policies. 

RATE 10 May 1, 2008 


TABLE 6. 
PRECALCULATED PRE-FIRM PREMIUM TABLE
FOR SINGLE-FAMILY DWELLINGS 


AMOUNT OF 
INSURANCE 
PREMIUM1 EXCLUDING ICC2 
AND FEDERAL POLICY FEE3 
A, AE, A1-A30, AH, AO, D V, VE, V1-V30 
w/bsmt w/o bsmt w/bsmt w/o bsmt 
BUILDING 
$ 20,000 $ 162 $ 152 $ 212 $ 198 
$ 30,000 $ 243 $ 228 $ 318 $ 297 
$ 40,000 $ 324 $ 304 $ 424 $ 396 
$ 50,000 $ 405 $ 380 $ 530 $ 495 
$ 60,000 $ 484 $ 434 $ 732 $ 630 
$ 70,000 $ 563 $ 488 $ 934 $ 765 
$ 80,000 $ 642 $ 542 $1,136 $ 900 
$ 90,000 $ 721 $ 596 $1,338 $1,035 
$100,000 $ 800 $ 650 $1,540 $1,170 
$125,000 $ 998 $ 785 $2,045 $1,580 
$150,000 $1,195 $ 920 $2,550 $1,845 
$175,000 $1,393 $1,055 $3,055 $2,183 
$200,000 $1,590 $1,190 $3,560 $2,520 
$225,000 $1,788 $1,325 $4,065 $2,858 
$250,0004 $1,985 $1,460 $4,570 $3,195 
CONTENTS 
$ 5,000 $ 48 $ 48 $ 62 $ 62 
$ 10,000 $ 96 $ 96 $ 123 $ 123 
$ 15,000 $144 $144 $ 185 $ 185 
$ 20,000 $192 $192 $ 246 $ 246 
$ 25,000 $233 $241 $ 344 $ 362 
$ 30,000 $273 $289 $ 441 $ 478 
$ 40,000 $354 $386 $ 636 $ 710 
$ 50,000 $435 $483 $ 831 $ 942 
$ 60,000 $516 $580 $1,026 $1,174 
$ 70,000 $597 $677 $1,221 $1,406 
$ 80,000 $678 $774 $1,416 $1,638 
$ 90,000 $759 $871 $1,611 $1,870 
$100,000 $840 $968 $1,806 $2,102 

1 Premium before applying any CRS credits or optional deductible factors. 

2 For building coverage amounts of $230,000 and less, add $75 to the building premium 
selected from the table above to cover ICC cost, except for D zones. For D zones add $6. 
For building coverage amounts above $230,000, see Footnote 4 below. 

3 Add $35 to the premium selected from the table above to cover Federal Policy Fee. 

4 Add $60 to cover the ICC cost for the $250,000 building limit, except for D zones. 
For D zones add $4. 

RATE 11 May 1, 2008 


TABLE 7. FEDERAL POLICY FEE AND PROBATION SURCHARGE TABLE 


FEDERAL POLICY FEE1 
PROBATION 
SURCHARGE 
$35 $50 
1 For the Preferred Risk Policy, the Federal Policy Fee is $13.00. 

III. DEDUCTIBLES 
As shown in Table 8A below, the NFIP standard 
deductible is either $500 or $1,000. The insured 
may choose a deductible amount different from 
the standard $500 for Post-FIRM or the standard 
$1,000 for structures in the Emergency Program 
and those rated using Pre-FIRM rates in Zones 
A, AO, AH, A1-A30, AE, VO, V1-V30, VE, V, AR, 
and AR Dual Zones (AR/AE, AR/AH, AR/AO, 
AR/A1-A30, AR/A). The optional deductible 
amount may be applied to policies insuring 
properties in either Emergency Program or 
Regular Program communities. Refer to page 
CONDO 22 for Residential Condominium 
Building Association Policy optional deductibles. 

A. Buy-Back Deductibles 
Policyholders who wish to reduce their 
deductibles from the standard deductibles of 
$1,000 for Pre-FIRM SFHA risks may opt to 

purchase separate $500 deductibles for building 
and contents coverages, for an additional 
premium. The deductible factors provided on 
pages RATE 13 and CONDO 22 must be used to 
calculate the deductible surcharge. 

B. Changes in Deductible Amount 
The amount of the deductible may be increased 
during the policy term by submitting a completed 
General Change Endorsement form. The 
deductible amount may be reduced through the 
submission of a new Application at the time of 
renewal. This procedure does not require the 
completion of the entire Flood Insurance 
Application. Deductibles cannot be reduced midterm 
unless required by the mortgagee and 
written authorization is provided by the 
mortgagee. A 30-day waiting period will be 
applied to reduce the deductible. 

TABLE 8A. STANDARD DEDUCTIBLES 


EMERGENCY 
PROGRAM 
REGULAR PROGRAM 
Flood Zone Pre-FIRM 
Pre-FIRM with 
Optional Post-FIRM 
Elevation Rating Post-FIRM 
$1,000 B, C, X, A99, D $500 $500 
A, AO, AH, A1-A30, AE, 
VO, V1-V30, VE, V, AR, 
AR/AE, AR/AH, AR/AO, 
AR/A1-A30, AR/A 
$1,000 $500 $500 

RATE 12 May 1, 2008 


TABLE 8B. DEDUCTIBLE FACTORS 
Single Family and 2-4 Family Building and Contents Policies1,2,3


Deductible Options: 
Building/Contents 
Post-FIRM 
$500 Ded. 
Pre-FIRM 
$1,000 Ded. 
Deductible Options: 
Building/Contents 
Post-FIRM 
$500 Ded. 
Pre-FIRM 
$1,000 Ded. 
$ 500/ $500 1.000 1.100 $4,000/$1,000 .835 .850 
$1,000/ $500 .975 1.050 $4,000/$2,000 .810 .825 
$1,000/$1,000 .960 1.000 $4,000/$3,000 .785 .800 
$2,000/ $500 .930 1.000 $4,000/$4,000 .765 .775 
$2,000/$1,000 .915 .950 $5,000/ $500 .810 .875 
$2,000/$2,000 .890 .925 $5,000/$1,000 .800 .825 
$3,000/ $500 .890 .950 $5,000/$2,000 .785 .800 
$3,000/$1,000 .875 .900 $5,000/$3,000 .770 .780 
$3,000/$2,000 .850 .875 $5,000/$4,000 .755 .765 
$3,000/$3,000 .825 .850 $5,000/$5,000 .740 .750 
$4,000/ $500 .850 .900 

Single Family and 2-4 Family Building Only or Contents Only Policies1,2,3 

Building 
Post-FIRM$500 Ded. 
Pre-FIRM 
$1,000 Ded. 
$500 1.000 1.100 
$1,000 .960 1.000 
$2,000 .900 .935 
$3,000 .850 .885 
$4,000 .800 .835 
$5,000 .750 .785 

Contents4 
Post-FIRM 
$500 Ded. 
Pre-FIRM 
$1,000 Ded. 
$500 1.000 1.150 
$1,000 .950 1.000 
$2,000 .850 .900 
$3,000 .775 .825 
$4,000 .700 .750 
$5,000 .650 .675 

Other Residential and Non-Residential Policies1,2,5 

Bldg./ContentsDiscount From 
Amount 
Building Only Contents Only 
Post-FIRM 
$500 Ded. 
Pre-FIRM 
$1,000 Ded. 
Post-FIRM$500 Ded. 
Pre-FIRM 
$1,000 Ded. 
Post-
FIRM$500 Ded. 
Pre-FIRM 
$1,000 Ded. 
$500/ $500 1.000 1.050 $500 1.000 1.050 1.000 1.050 
$1,000/$1,000 .980 1.000 $1,000 .975 1.000 .980 1.000 
$2,000/$2,000 .940 .960 $2,000 .940 .960 .950 .965 
$3,000/$3,000 .910 .930 $3,000 .910 .925 .925 .940 
$4,000/$4,000 .885 .910 $4,000 .880 .900 .900 .915 
$5,000/$5,000 .870 .890 $5,000 .850 .875 .875 .890 
$10,000/$10,0005 .775 .800 $10,000 .750 .760 .775 .800 
$15,000/$15,0005 .725 .750 $15,000 .675 .685 .700 .725 
$20,000/$20,0005 .675 .700 $20,000 .600 .610 .650 .660 
$25,000/$25,0005 .625 .650 $25,000 .550 .560 .600 .610 
$50,000/$50,0005 .500 .525 $50,000 .450 .460 .525 .535 

1 

Deductible factors for the RCBAP are located on page CONDO 22. 

2 

The ICC premium is not eligible for the deductible discount. First calculate the deductible discount, then add in
the ICC premium, for each policy year. 


3 

These deductible factors apply for condominium unit owners. 

4 

Also applies to residential unit contents in Other Residential building or in multi-unit condominium building. 

5 

Deductibles of $10,000 to $50,000 are available only for Non-Residential Policies. 

RATE 13 May 1, 2008 


IV. INCREASED COST OF COMPLIANCE 
(ICC) COVERAGE 
Coverage is afforded under the Standard Flood 
Insurance Policy for the increased cost to 
rebuild, or otherwise alter, a flood-damaged 
structure to bring it into conformance with State 
or local floodplain management ordinances or 
laws. 

ICC coverage is mandatory for all Standard 
Flood Insurance Policies except for (1) those 
sold in Emergency Program communities, (2) 
contents-only policies, (3) Dwelling Forms on 
individual condominium units, and (4) Group 
Flood Insurance. For these four cases, ICC 

coverage is not available. In a condominium 
building, ICC coverage is only available through 
the Condominium Associations flood policy. 

The current ICC coverage limit is $30,000 per 
building or, for non-condominium townhouse 
construction, per unit, per policy. This coverage 
amount is in addition to the Building Amount of 
insurance purchased. However, for any one 
flood event, the amount of combined loss 
payment received from Building coverage and 
ICC coverage cannot exceed the maximum 
program limits of $250,000 for residential 
structures and $500,000 for non-residential 
structures. 

TABLE 9. STANDARD FLOOD INSURANCE POLICY 
INCREASED COST OF COMPLIANCE (ICC) COVERAGE 
Premiums for $30,000 ICC Coverage 


All Except RCBAP, MPPP, Preferred Risk Policies, and Submit-For-Rate Policies 

FIRM Zone 
Residential Non-Residential 
Building Amount of Insurance Building Amount of Insurance 
$1 - 
$230,000 
$230,001 - 
$250,000 
$1 -
$480,000 
$480,001 - 
$500,000 
Post- A, AE, A1-A30, AO, AH $ 6 $ 4 $ 6 $ 4 
FIRM AR, AR DUAL ZONES $ 6 $ 4 $ 6 $ 4 
POST-81 V1-V30, VE $20 $14 $20 $14 
75-81 V1-V30, VE $35 $25 $35 $25 
A99, B, C, X, D $ 6 $ 4 $ 6 $ 4 
Pre-A, AE, A1-A30, AO, AH $75 $60 $75 $60 
FIRM AR, AR DUAL ZONES $ 6 $ 4 $ 6 $ 4 
V, VE, V1-V30 $75 $60 $75 $60 
A99, B, C, X, D $ 6 $ 4 $ 6 $ 4 

NOTES: (1) ICC coverage does not apply to the Emergency Program, individually owned condominium units 
insured under the Dwelling Form or General Property Form, contents-only policies, and Group Flood 
Insurance Policies. 
(2) 
(3) 
The ICC premium is not eligible for the deductible discount. First calculate the deductible 
discount, then add in the ICC premium. 
Use only one ICC premium amount listed above for each building to be insured. 
(4) For scheduled building policies, apply ICC premium for each building. 
(5) Add Federal Policy Fee and Probation Surcharge, if applicable, when computing the premium. 
(6) Elevation-rated Pre-FIRM buildings should use Post-FIRM ICC premiums. 
(7) See RATE 19 for AR Zone and AR Dual Zone Rating information. 
(8) For flood policies issued through the Mortgage Portfolio Protection Program, use the rates and ICC 
premiums in the table on page MPPP 1. 

RATE 14 May 1, 2008 


V. RATING STEPS 
A. Determine the exact location of the building 
and/or contents to be insured. IF THE 
MAILING ADDRESS DIFFERS FROM THE 
PROPERTY ADDRESS, USE THE 
PROPERTY ADDRESS ONLY. 
B. Determine if the building is located in an 
eligible community. 
Not all communities participate in the NFIP. 
There is NO COVERAGE available in nonparticipating 
communities. If you are 
uncertain, call the NFIP insurer, consult a 
local community official, or check the NFIP 
Community Status Book online 
(http://www.fema.gov/fema/csb.shtm). 

C. Determine the NFIP program phase 
(Emergency or Regular) and the community 
in which the property is located. 
Some communities may be eligible for 
premium discounts under the Community 
Rating System (CRS). See the CRS Section 
for a list of eligible communities, the 
corresponding discounts, and an example 
showing how to apply the CRS discount. 

D. Determine the location of the contents in the 
building. 
E. Determine the date of construction as 
described below. 
 Date of ConstructionBuildings 
For flood insurance purposes, the date 
of construction for buildings under the 
NFIP must be determined in order to 
establish whether the building is Pre-
FIRM or Post-FIRM construction. 

The start of construction or substantial 
improvement for insurance purposes 
means the date the building permit was 
issued, provided the actual start of 
construction, repair, reconstruction, or 
improvement was within 180 days of 
the permit date. 

For the Coastal Barrier Resources 
System, the start of construction or 
substantial improvement, for insurance 
purposes, must be determined in 
accordance with the documentation 
requirements set forth by the Coastal 

Barrier Resources Act (CBRA). (See 
the Coastal Barrier Resources System 
Section.) 

 Date of ConstructionManufactured 
(Mobile) Homes/Travel Trailers 
The date of construction for a 
manufactured (mobile) home is 
different from a standard building and 
depends upon the location of the 
manufactured (mobile) home. 

For manufactured (mobile) homes 
located in manufactured (mobile) home 
parks or subdivisions, the date of 
construction is the date facilities were 
constructed for servicing the 
manufactured (mobile) home site, or 
the date of the permit, provided that 
construction began within 180 days of 
the permit date. This rule applies to all 
manufactured (mobile) homes even if 
the manufactured (mobile) home is 
rated and classified as single family. 

For manufactured (mobile) homes not 
located in manufactured (mobile) home 
parks or subdivisions, but located on 
individually owned lots or tracts of land, 
the date of construction is the date the 
manufactured (mobile) home was 
permanently affixed to the site or the 
permit date if affixed to the site within 
180 days of the date of permit. 

 Pre-FIRM Construction 
For the purpose of determining 
insurance rates, buildings for which the 
start of construction or substantial 
improvement was on or before 
December 31, 1974, or before the 
effective date of the initial FIRM for the 
community, are considered Pre-FIRM 
construction. However, for insurance 
purposes, manufactured (mobile) 
homes that are located or placed in 
existing manufactured (mobile) home 
parks or subdivisions, or expansions to 
existing manufactured (mobile) home 
parks or subdivisions, are considered 
Pre-FIRM. 

All historic buildings are considered 
Pre-FIRM as long as the building meets 
the definition of a historic building. (See 
the Definitions Section.) 

RATE 15 May 1, 2008 


Pre-FIRM buildings that are 
substantially improved may continue 
being rated as Pre-FIRM if certain 
conditions are satisfied. Pre-FIRM 
rating is applicable ONLY when ALL of 
the following conditions are met: 

- The building must be Pre-FIRM. 
- The substantial improvement must be 
an ADDITION to the building. (This 
condition excludes substantial 
improvements made as interior 
remodeling or repair projects.) 
- The ADDITION and extension must 
be next to and in contact with the 
existing building. (This condition 
does not apply to substantial 
improvements consisting of the 
construction of additional floors.) 
- An Elevation Certificate must be 
submitted to the NFIP Underwriting 
Unit with the application or renewal. 
The Elevation Certificate must verify 
that the lowest floor elevation of the 
ADDITION is at or above the 
applicable Base Flood Elevation in 
effect at the time the addition is 
started. 
NOTE: Elevation Certificates certified 
on or after January 1, 2007, 
must be submitted on the 
new Elevation Certificate 
form. The Elevation Certificate 
must meet all photo 
requirements described on 
pages CERT 1-2 of this 
manual. An Elevation Certificate submitted without the 
required photographs is not 
considered valid for rating. 

If all of the above conditions are 
satisfied, the entire building is eligible 
for Pre-FIRM rates. (Except for some 
V-Zone risks and some manufactured 
[mobile] home risks, Post-FIRM rates 
provide less costly coverage and, 
therefore, the coverage may be rated 
using the lower Post-FIRM rates.) 

If the above conditions are not satisfied, 
the entire building MUST be rated as 
Post-FIRM. 

 Post-FIRM Construction 
For insurance rating purposes, 
buildings for which the start of 
construction or substantial improvement 
was after December 31, 1974, or on or 
after the effective date of the initial 
FIRM for the community, whichever is 
later, are considered Post-FIRM 
construction. This would include all 
manufactured (mobile) homes located 
in either new manufactured (mobile) 
home parks or subdivisions or outside 
of existing manufactured (mobile) home 
parks or subdivisions. 

VI. PREMIUM CALCULATION 
A. Emergency Program 
1. Determine Occupancy Type: Residential or 
Non-Residential. 
2. Calculate premium using appropriate rates. 
3. Apply appropriate deductible factor if an 
Optional Deductible is selected. 
4. Add Federal Policy Fee. 
B. Regular Program 
1. Determine if the property to be insured is 
Pre-FIRM or Post-FIRM. A Pre-FIRM 
premium table for standard risk, single family 
property is located on page RATE 11. 
2. Determine Zone. 
3. Determine Occupancy: Single Family, 2-4 
Family, Other Residential, Non-Residential, 
or Manufactured (Mobile) Home. 
4. Determine Building Type (including 
basement or enclosure, if any): one floor, 
two floors, three or more floors, split level, or 
manufactured (mobile) home on foundation. 
5. Determine if building has basement (or 
enclosed area below an elevated building): 
none, finished, or unfinished. 
6. Determine Elevation Difference. 
7. Calculate premium using the appropriate 
rates. 
8. Apply appropriate deductible factor if an 
Optional Deductible is selected. 
RATE 16 May 1, 2008 


9. The ICC premium is not subject to 
deductible factors. First calculate the 
deductible amount, then add in the ICC 
premium. 
10. Apply CRS discount, if applicable. 
11. Add $50.00 Probation Surcharge if building 
is located in a community on probation. 
12. Add Federal Policy Fee. 
VII. KEY POINTS FOR RATING 
A. Basic Limits and Additional Limits 
For rating purposes in the Regular Program, 
separate rates have been established for the 
Basic Limits and the Additional Limits. 

B. Whole Dollars 
NFIP accepts premium only in WHOLE 
DOLLARS. If the discount for an optional 
deductible does not result in a whole dollar 
premium, round up if 50 or more; round down if 
less. ALWAYS SUBMIT GROSS PREMIUM. 

C. Increased Cost of Compliance (ICC) 
Premium 
Total Prepaid Amount will include ICC premium. 
The ICC premium is not subject to deductible 
factors, but the CRS discount will apply. 

D. Federal Policy Fee 
A Federal Policy Fee shall be charged for all 
new and renewal policies, including the 
Preferred Risk Policy. This fee is fully earned on 
the effective date of the policy, except as 
indicated in the Cancellation/Nullification 
Section. This fee is not subject to earned 
commissions and, as such, is not considered 
part of the Total Prepaid Premium. The Federal 
Policy Fee must, however, be added to the Total 
Prepaid Premium in order to figure the Total 
Prepaid Amount. 

Under the Residential Condominium Building 
Association Policy, the Federal Policy Fee is 
based on the number of units (see CONDO 
Section). 

E. Buildings in More Than One Flood Zone 
Buildings, not the land, located in more than one 
zone must be rated using the more hazardous 
zone. 

This condition applies even though the portion of 
the building located in the more hazardous zone 

may not be covered under the SFIP, such as a 
deck. 

F. Different Base Flood Elevations (BFEs) 
Reported 
When the BFE shown on a Flood Zone 
Determination Companys form is different than 
the BFE shown on the property owners 
Elevation Certificate, the BFE shown on the 
Elevation Certificate must be used to rate the 
policy. 

G. Flood Zone Discrepancies 
When presented with two different flood zones, 
use the more hazardous flood zone for rating 
unless the building qualifies for the 
grandfathering rule (see XIV.C. on page RATE 
21). 

H. Mortgagee on PolicyHigher Deductible 
Requested 
When a mortgagee is listed on the policy, their 
WRITTEN CONSENT should be secured before 
requesting a deductible higher than the 
applicable SFIP deductible. 

VIII. REGULAR PROGRAM, POST-FIRM 
ELEVATION-RATED RISKS 
A. Elevation Difference 
The elevation difference is the difference 
between the lowest floor used for rating and the 
Base Flood Elevation (BFE). The elevation 
difference must be determined if the building is 
Post-FIRM located in a Special Flood Hazard 
Area (SFHA) and within a Regular Program 
community. 

Refer to the Lowest Floor Guide section for a 
guide to determining the lowest floor. Note that, 
in Puerto Rico, elevations are based on meters 
rather than feet. Before rating the flood 
insurance premium, the agent must convert the 
meter elevations into feet. 

For rating purposes, the elevation difference is 
the difference, measured in feet, between the 
lowest floor elevation of the building to be rated, 
and the BFE for that zone. The elevation 
difference can be a number of feet above (+) or 
below (-) the BFE. 

If the BFE and/or the lowest floor elevation is 
shown in tenths (e.g., 10.5), the agent must 
apply the rounding rule to the difference between 
the BFE and the lowest-floor-for-rating elevation. 
If the difference is negative, the final figure is 

RATE 17 May 1, 2008 


rounded up from .5. If the difference is positive, 
the final figure is rounded up from .5. Always 
round to the higher elevation. For example, -3 is 
higher than -3.5 and +4 is higher than +3.5. 

Rounding Rule Example: 

11 BFE 


-3 -2 -1 0 +1 +2 +3 

10.5 LF - 11.0 BFE = -0.5
Because the difference is negative, it is rounded 
up to 0. 


11.5 LF  11.0 BFE = +0.5 
Because the difference is positive, it is rounded
up to 1.0. 


B. Examples 
Examples to illustrate how to determine the 
elevation difference are provided below. 

1. Zones A1-A30, AE, AR, AR Dual Zones, 
Post-81 V1-V30, VE, and A (With 
Estimated BFE) 
Lowest Floor Elevation -Base Flood 
Elevation (BFE) = Elevation Difference 

Examples: 

a. Lowest Floor Elevation (+10') - BFE 
(+6') = Elevation Difference of (+4'). 
b. Lowest Floor Elevation (+8.3') - BFE 
(+6.0') = Elevation Difference of (+2.3'); 
therefore, (+2.3') is rounded down to 
(+2.0'). 
c. Lowest Floor Elevation (+12.4') - BFE 
(+8.8') = Elevation Difference of (+3.6'); 
therefore, (+3.6') is rounded up to 
(+4.0'). 
d. Lowest Floor Elevation (+9.5') - BFE 
(+12.0') = Elevation Difference of 
(-2.5'); therefore, (-2.5') is rounded 
down to (-2'). 
2. Zone AH 
Lowest Floor Elevation -Base Flood 
Elevation (BFE) = Elevation Difference 

Examples: 

a. Lowest Floor Elevation (+4') - BFE (+2') 
= (+2'); use With Certification of 
Compliance rates. 
b. Lowest Floor Elevation (+6') - BFE (+8') 
= (-2'); use Without Certification of 
Compliance rates. 
c. Lowest Floor Elevation (+3.9') - BFE 
(+4') = (0'); use With Certification of 
Compliance rates. 
3. Zone AO 
In AO zones, the difference between the 
top of the bottom floor and the highest 
adjacent grade is the lowest floor elevation 
used for rating. If the lowest floor elevation 
is equal to or greater than the Base Flood 
Depth printed on the FIRM, use With 
Certification of Compliance rate. If the 
elevation difference is less than the Base 
Flood Depth, use Without Certification of 
Compliance rates. When no Base Flood 
Depth is printed on the FIRM, a depth of 2 
feet must be used for rating purposes. 

Examples: 

a. Lowest Floor Elevation (distance 
between the top of the bottom floor and 
the highest adjacent grade) (+2.9') - 
Base Flood Depth (3') = (0'); use With 
Certification of Compliance rates. 
b. Lowest Floor Elevation (0') - Base 
Flood Depth (+1') = (-1'); use Without 
Certification of Compliance rates. 
c. Lowest Floor Elevation (+2') - (+2') (no 
published Base Flood Depth) = (0'); 
use With Certification of Compliance 
rates. 
4. Zone A (With No Estimated BFE) 
In Zone A where there is no established 
BFE, the difference between the top of the 
bottom floor and the highest adjacent grade 
is the lowest floor elevation used for rating. 

Examples: 

a. Lowest Floor Elevation (distance 
between the top of the bottom floor and 
the highest adjacent grade) (+3') = (+3') 
for rating purposes (use No Estimated 
BFE rate table). The top of the bottom 
floor is 3' above the highest adjacent 
grade. 
RATE 18 May 1, 2008 


b. Lowest Floor Elevation (-2') = (-2') for 
rating purposes. The top of the bottom 
floor is below the highest adjacent 
grade by 2'. 
5. Zones V1-V30, VE Post-FIRM 1975-81 
Lowest Floor Elevation -Base Flood 
Elevation (BFE) = Elevation Difference 

C. Optional Elevation Rating 
Pre-FIRM construction, at the option of the 
applicant, may be rated using Pre- or Post-FIRM 
rating. Once it is determined which rating will 
provide a lower premium, a policy may be 
endorsed to obtain a lower rate. 

Pre-FIRM buildings with subgrade crawl spaces 
that are below the Base Flood Elevation (BFE) 
may use optional Post-FIRM elevation rating. 
For policy processing, follow the Submit-for-Rate 
procedures on pages RATE 24-25. This is the 
only Pre-FIRM construction that can be rated 
using the Submit-for-Rate procedure. 

IX. PRE-FIRM ELEVATED BUILDING RATED 
AT PRE-FIRM RATES 
Pre-FIRM elevated buildings with no 
enclosures beneath the lowest elevated floor 
are to be rated using the No Basement rates. 

Pre-FIRM elevated buildings with enclosures 
beneath the lowest elevated floor are to be rated 
using the With Enclosure rates. 

X. AR ZONE AND AR DUAL ZONE RATING 
NOTE: AR Dual Zones appear on the FIRM 

as AR/AE, AR/AH, AR/AO, AR/A1


A30, and AR/A. 

For Pre-FIRM construction and Post-FIRM non-
elevation rated risks, use the rates provided in 
Table 4. 

Structures in AR and AR Dual Zones with an 
Elevation Certificate may be rated using the 
rates provided in Table 5. 

XI. POST-FIRM AO ZONE RATING 
In Zone AO, when the base flood depth number 
is not printed on the FIRM, a base flood depth of 
2 feet is an acceptable standard unless modified 
by community ordinance or state law. The 
difference from the top of the lowest floor to the 
highest adjacent ground (grade) must be greater 
than or equal to 2 feet in order to use the more 
favorable With Certification of Compliance rates. 
If the difference is less than 2 feet, the Without 
Certification of Compliance rates are to be used. 

XII. POST-FIRM RATING OF ELEVATED 
BUILDINGS IN ZONES B, C, X, A99, 
AND D 
Post-FIRM elevated buildings in the above 
zones with no enclosures beneath the lowest 
elevated floor are to be rated using the No 
Basement/Enclosure rates. 

Post-FIRM elevated buildings in the above 
zones with enclosures beneath the lowest 
elevated floor are to be rated using the With 
Enclosure rates. 

XIII. REGULAR PROGRAM V ZONE POSTFIRM CONSTRUCTION 
A. Rating All V Zone Buildings 
For an elevated building (building on posts, 
piles, or piers only) rated without an enclosure or 
obstruction, the Zone V, V1-V30, and VE rates 
do not take into consideration the flood risk 
associated with any addition of a habitable area 
(finished or used as living or work area) below 
the lowest elevated floor. Further, rates do not 
allow for any flood risk to the machinery or 
equipment used to service the building located 
below the lowest elevated floor. 

NOTE: A 1975-81 risk 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 a 1981 Post-FIRM risk 
cannot. 

B. Zones VE and V1-V30Enclosure Containing Machinery or Equipment Below 
BFE 
Follow these steps when determining the lowest 
floor for rating in Zones VE and V1-V30 where 
there is an enclosure containing machinery or 
equipment located below the BFE: 

 The bottom of the enclosure slab is the 
correct floor for rating. Determine whether 
the elevation in Item C2.c on the new 
Elevation Certificate (EC) or Item C3.c on 
the old EC (bottom of lowest horizontal 
structural member) reflects the top or the 
bottom of the slab. 
 If the lowest horizontal structural member is 
equal to or higher than Item C2.f on the new 
EC or Item C3.f on the old EC (lowest 
RATE 19 May 1, 2008 


adjacent grade), deduct (for 1-4 family 
residences) 12 inches from the elevation found 
in Item C2.c or Item C3.c and 18 inches for 
buildings other than 1-4 family. This estimated 
elevation is the elevation figure used for rating 
the flood insurance policy. 

If the surveyor has used Item C2.a on the new 
EC or Item C3.a on the old EC (top of bottom 
floor including basement or enclosure) to 
indicate the elevation of the enclosure slab, 
then: 

 The bottom of the enclosure slab is the 
correct floor for rating. Determine whether 
the elevation in Item C2.a or Item C3.a 
reflects the top or the bottom of the slab. 
 If Item C2.a is equal to or higher than Item 
C2.f, or if Item C3.a is equal to or higher 
than Item C3.f, deduct (for 1-4 family 
residences) 12 inches from the elevation 
found in Item C2.a or Item C3.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 Buildings1981 Post-FIRM V 
Zone Construction 
1. Elevated Building Without Obstruction 
The area below the lowest elevated floor is 
open, with no obstruction, to allow the flow 
of floodwaters. Insect screening is permissible. 
Wooden or plastic lattice, slats, or 
shutters are also permissible if at least 40 
percent of their area is open. Lattice can be 
no thicker than  inch; slats or shutters can 
be no thicker than 1 inch. Any machinery or 
equipment below the lowest elevated floor 

must be at or above the BFE. Use the rates 
from Table 3E. For unnumbered Zone V, 
use Submit-for-Rate guidelines. 

2. Elevated Building With Obstruction 
The area below the Elevated Floor is 
enclosed, either partially or fully by solid 
perimeter foundation walls or breakaway 
walls. Use the rates from Table 3F provided 
that the enclosure is less than 300 square 
feet or contains machinery or equipment 
below the BFE. For unnumbered Zone V, 
use Submit-for-Rate guidelines. 

NOTE: 

 Equipment located below the lowest 
elevated floor constitutes an 
obstruction. 
 For all non-elevated buildings, elevated 
buildings with non-breakaway walls 
below their lowest elevated floors, and 
elevated buildings with habitable or 
finished areas located below their 
lowest elevated floors, the submit-forrate 
procedures should be followed. 
Producers should be sure to include a 
recent photograph or blueprints, 
including a site grading plan if ocean 
front, a copy of the variance, and an 
Elevation Certificate with the 
Application form. 
 Any additions during the policy term or 
any subsequent policy term that would 
change the applicable rates must be 
endorsed to the policy. Any additional 
premium must be paid by the insured. 
3. Replacement Cost Ratio 
The replacement cost ratio is needed to 
select the proper rate for insurance on 
buildings in 1981 Post-FIRM Construction 
V, V1-V30, and VE Zones on or after 
October 1, 1981. The estimated building 
replacement cost is used in conjunction 
with the amount of the building insurance 
desired to determine the insurance-toreplacement-
cost ratio. 

Replacement cost is defined as the amount 
of money required to replace or repair the 
insured building in the event of loss or 
damage, without a deduction for 
depreciation. The replacement cost ratio is 
determined by dividing the amount of 
building coverage by the replacement cost 
of the building. 

RATE 20 May 1, 2008 


If the replacement cost of the building 
exceeds the maximum statutory building 
limit, use the replacement cost, not the 
maximum statutory building limit, in 
calculating the ratio. For example, if the 
building replacement cost is $1,000,000 
and the amount of building coverage 
requested is the maximum statutory 
building limit of $250,000, the rate is .25, so 
use the rate listed for Replacement Cost 
Ratio Under .50. 

Place the rate in the appropriate box on the 
Application and continue with the premium 
calculation. 

4. Elevation Information 
The lowest floor elevation must be 
identified for buildings in Zones V, V1-V30, 
and VE. Note that the lowest floor 
elevation is measured at the bottom of the 
lowest floor beam or slab, whichever is 
appropriate. 

The BFE, including wave height, must be 
identified for any building located in Zones 
V1-V30 and VE. 

XIV. SPECIAL RATING SITUATIONS 
A. Tentative Rates 
Tentative rates are used to issue policies when 
producers fail to provide the required actuarial 
rating information. With tentative rates, a policy 
will be generated with coverage limits based on 
the actual premium received. Tentatively rated 
policies cannot be endorsed to increase 
coverage limits, or renewed for another policy 
term, until the required actuarial rating 
information and full premium payment are 
received. 

Tentative rates are generally higher than the 
rates published in this manual (ranging from $2 
to $10 per $100 of coverage). When tentative 
rates are applied, a Declarations Page and a 
Tentative Rate Letter will be forwarded to the 
policyholder, producer, and mortgagee (if any), 
requesting the necessary information so that the 
proper rate can be determined. 

If a loss occurs on a tentatively rated property, 
payment will be limited by the amount of 
coverage that the initially submitted premium will 
purchase using the correct actuarial rating 
information. 

B. Alternative Rates 
When a building is Pre-FIRM and the FIRM zone 
is unknown, an alternative rating procedure can 
be used only if the building is located in a 
community that does not have any V Zones. In 
these cases, the NFIP will presume that the 
building is located in a Special Flood Hazard 
Area, and the FIRM zone should be shown as 
Zone AA. AA is not a valid flood zone 
designation; rather, it is a rating method used 
when the flood zone is unknown. The rates for 
FIRM Zone A for Pre-FIRM properties should 
then be used to compute the premium. 

The alternative rating procedure is also used by 
the NFIP for renewal of policies in communities 
that have converted from the Emergency 
Program to the Regular Program during a 
policy's term. Again, this procedure can be used 
only when the community has no V Zones. In 
these cases, the NFIP assigns an AS Zone 
designation, which is not a valid flood zone 
designation, but rather a rating method, and 
uses the Pre-FIRM Zone A rates to compute the 
premium. 

In both of the above situations, the producer 
should determine the actual FIRM zone and 
submit a General Change Endorsement to 
correct the FIRM zone and premium. All 
corrections should be made as soon as possible 
within the initial policy term after an AA or AS 
Zone designation has been made. If the correct 
flood zone is not provided, no Renewal Premium 
Notice will be issued. 

C. Map Grandfather Rules--Effect of Map 
Revisions on Flood Insurance Rates 
A community will occasionally make structural 
improvements (dams, levees, etc.) to reduce the 
potential effects of flooding; experience new 
development aggravating the flooding situation, 
thereby expanding the floodplain; revise 
geographical boundaries resulting in the 
designation of additional flood hazard areas; or 
provide information to better delineate the BFE 
and/or flood insurance risk zones. When these 
situations occur, the FIRM is revised and 
republished. 

The implementation of a new FIRM raises the 
question--HOW DOES THE NEW MAP AFFECT 
FLOOD INSURANCE RATES? 

1. Grandfather Rules 
To recognize policyholders who have built 
in compliance with the FIRM and/or 
remained loyal customers of the NFIP by 

RATE 21 May 1, 2008 


maintaining continuous coverage, the 
Federal Emergency Management Agency 
has Grandfather rules. These rules allow 
such policyholders to benefit in the rating 
for that building. For such buildings, the 
insured would have the option of using the 
current rating criteria for that property or 
having the premium rate determined by 
using the BFE and/or flood zone on the 
FIRM (old map) in effect when the building 
was originally constructed (for those built in 
compliance) or when coverage was first 
obtained (for those with continuous 
coverage). This results in a cost savings to 
insureds when the new map resulting from 
a map revision would result in a higher 
premium rate. 

The conditions that must be met for an 
insured to be eligible to receive the rating 
benefit from the Grandfather rules after a 
map revision (new map) becomes effective 
are described below. 

2. General Rule of Rating 
Always use the new map if it will provide a 
more favorable premium (lower rate). 

3. Existing Business--Renewal Policies 
Policies written to cover either Post-FIRM 
or Pre-FIRM construction may be renewed 
and rated based on the FIRM and/or BFE 
in effect when the policy was initially rated 
as long as the coverage is continuous and 
the building has not been altered to make 
the reference level lower than the BFE on 
that FIRM. (NOTE: Alteration does not 
apply to Pre-FIRM construction or to risks 
grandfathered to a B, C, or X Zone.) 

a. Examples--Post-FIRM Construction 
 A building was constructed in 1980. 
Coverage was purchased at the 
time of construction. The FIRM 
zone in effect was A1. The BFE 
was 10. The Lowest Floor was 
11. The elevation difference was 
+1, and the policy was rated using 
a +1 elevation difference. 
This policy was written and 
continuously renewed for 3 years. 
In 1983 a new map for the 
community was issued. 

The property remained in an A1 
Zone. However, the BFE became 
12. Because the lowest floor did 
not change, the elevation 

difference was -1. Since continuous 
coverage existed on the policy 
and the building was not altered in 
any way, the policy can be rated 
using a +1 elevation difference. 

 A building was constructed in 1980. 
The FIRM zone in effect was A. In 
1983 the map was revised, which 
placed the building in a VE zone. 
Since continuous coverage existed 
and the building was not altered, 
the policyholder can continue to 
use Zone A in determining the rate. 
b. Example--Pre-FIRM Construction 
At the time flood insurance coverage 
was applied for, the building was 
located in Zone A99. A new map 
designated the zone as AE. The policy 
may continue to be rated using Zone 
A99 rates on the old map as long as 
there is no interruption in coverage. 

4. New Business--Applications for Coverage 
a. Post-FIRM Construction 
NOTE: These rules apply to buildings 
in all zones, including Zone D. 

If a new policy is applied for, the rates 
can be based on the FIRM zone and 
the BFE on the old map in effect on the 
date the building was constructed 
provided that: 

 The building was built in 
compliance with the map in effect 
at the time of construction; and 
 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); and 
 The building has not been 
substantially improved. 
The property owner or producer must 
provide proper documentation to the 
WYO company or NFIP Servicing 
Agent. 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. 

RATE 22 May 1, 2008 


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 
This built in compliance rule also 
applies to Pre-FIRM construction if the 
date of construction was on or before 
December 31, 1974, and was on or 
after the FIRM date. 

Example: 

A building was constructed in 
November 1974 and the FIRM date 
was May 3, 1973. The old map showed 
the buildings location as Zone C. Ten 
years later in 1984, a new map placed 
the building in an A zone. Flood 
insurance coverage was applied for 
after the map was revised. To use the 
old map showing Zone C as the rating 
zone, proper documentation must be 
submitted. 

D. Post-81 V Zone Optional Rating 
This optional rating is available for new and 
renewal policies and endorsements with 
effective dates on or after October 1, 1997. 
Policies for 1975 through 1981 Post-FIRM and 
Pre-FIRM buildings in Zones VE and V1-V30 are 
allowed to use the Post-81 V Zone rate tables 
(Tables 3E or 3F) if the rates are more favorable 
to the insured. In order to qualify, the following 
criteria must be met: 

1. The policy must be rated using the BFE 
printed on the FIRM panel that includes 
wave height. The effective date of the FIRM 
panel must be on or after 10/1/81. 
2. The building rates are determined based on 
the ratio of the estimated building 
replacement cost and the amount of 
insurance purchased. 
3. The building must be elevated free of 
obstruction or with obstruction less than 300 
square feet. All machinery and equipment 
located below the BFE are considered 
obstructions. 

E. Policies Requiring Re-Rating 
The following conditions require that the policies 
be rated using the new map: 

1. If an elevation-rated building is altered, 
making the lowest floor for rating purposes 
below the BFE. 
Example: 

An elevated building is located in an AE 
Zone at the time of construction. The 
Lowest Floor Elevation (LFE) was 18. The 
BFE was 10. The Lowest Floor rating was a 
+8 elevation differential. The map was 
revised, changing the BFE to 11. The 
insured decided to enclose the area beneath 
the elevated floor and use it as a living area. 
This changed the LFE to 9. Due to the 
alteration, the new map must be used and 
the building is rated as -2. 

2. If a Pre-FIRM or Post-FIRM building is 
substantially improved, the building must be 
re-rated using the FIRM in effect at the time 
that the substantial improvement occurred. 
A newer FIRM can always be used if it will 
result in a more favorable rating. 
Example: 

A building was constructed in 1972 and, 
when flood insurance was applied for in 
1976, was found to be located in Zone C. 
The FIRM was revised in 1984. The building 
was substantially improved in 1985. Due to 
the improvement, the building must now be 
re-rated as Post-FIRM construction using 
the 1984 map, or the most recent map can 
be used if it will result in a more favorable 
rating. 

If ineligible for renewal as a Preferred Risk 
Policy because of a map change, the risk 
must be rewritten as a Standard Flood 
Insurance Policy. 

3. If a Pre-FIRM or Post-FIRM building has 
been declared substantially damaged by a 
local community official, the agent must 
verify that the repair and/or reconstruction of 
the building has been made before the 
policy can be re-rated using the FIRM in 
effect at the time of the substantial 
improvement. 
RATE 23 May 1, 2008 


In the event that the repair and/or 
reconstruction have not been made, the 
writing company may renew the policy using 
the proper rating prior to the loss. The 
agent/insured must notify the writing 
company when the actual repair is 
completed so the policy can be re-rated 
usign the correct FIRM. 

Example: 

A building was constructed in 1986. Late 
that year, when the building was purchased 
and flood insurance was applied for, the 
building was found to be located in Zone 
A15. The FIRM was revised in February 
2005. In August 2005, a major hurricane 
caused severe flooding and wind damage in 
the county in which the building is located. 

The community declared the building 
substantially damaged by flood. However, 
because of widespread devastation 
throughout the area, the property owner had 
difficulty finding a repair contractor. When 
the policy came up for renewal in December, 
repair of the building had barely begun. The 
policy may be renewed under its pre-flood 
rating. 

F. Submit-for-Rate 
Certain properties at high flood risk, because 
of peculiarities in their exposure to flooding, 
do not lend themselves to preprogrammed 
rates. These risks require an in-depth 
underwriting analysis and must be submitted 
to the NFIP for an individual (specific) rate. As 
with other lines of property insurance, the 
underwriter requires documentation to 
evaluate those risk characteristics that make 
up the basis for a proper rate. 

The NFIP's two-fold goal of establishing sound 
actuarial rates and obtaining information for 
enforcing floodplain management requires that 
the following documentation be supplied for risks 
that fall within the submit-for-rate category: 

1. Completed NFIP Flood Insurance 
Application. 
2. Completed current Elevation Certificate. 
3. Variance issued by the local community 
stating that permission was granted to 
construct the building. If no variance was 
granted, a statement to that effect signed 
by the applicant or the applicant's 
representative is required. 

4. Recent photographs of the building (front 
and back), or a blueprint (layout of the 
building) if the building is under 
construction. 
5. The square footage of any enclosure(s) or 
crawl spaces(s) below the elevated floor, 
the use of the enclosure/crawl space, a list 
of machinery and equipment, and the 
approximate value of each item located in 
the enclosure/crawl space. 
6. If the area below the elevated floor is 
enclosed using masonry walls and these 
walls are represented as being breakaway 
walls in V Zones, a signed letter of 
verification from a local building official, an 
engineer, or an architect. 
7. A statement from the applicant or the 
applicant's representative that the 
enclosure was built at the time that the 
building was originally constructed, or at a 
later date (give date). 
8. If the building has a basement, a list of 
machinery and equipment located in the 
basement and each item's approximate 
value. 
9. For elevated buildings, an Elevated 
Building Determination Form signed by the 
insured. 
10. For all Post 81 V-Zone, non-elevated 
buildings, foundation/structural plans or, if 
foundation/structural plans are not 
available, a written statement from the 
applicant or agent providing the same 
information. 
For Submit-for-Rate policies written as NFIP 
direct business, all of the appropriate 
documentation listed above must be mailed to 
the NFIP Servicing Agent, P.O. Box 2965, 
Shawnee Mission, KS 66201-1365. 

If the building is insurable, the Servicing Agent 
will deliver a written rate and the applicable ICC 
premium to the producer. Since a rate must be 
determined on these risks, no premium is to 
accompany the submission. Coverage will be 
effective 30 days after the receipt of the 
premium at the NFIP, with the following three 
exceptions: 

RATE 24 May 1, 2008 


 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 communitys flood 
map, during the 13-month period beginning 
on the effective date of the map revision, the 
effective date shall be 12:01 a.m., local 
time, following the day after the presentment 
of premium. For the NFIP direct business, 
the presentment of premium is the same as 
the receipt date of the full premium at the 
NFIP Servicing Agent. 
Submit-for-Rate quotations, excluding the ICC 
premium, Federal Policy Fee, and Probation 
Surcharge, if applicable, are valid for 90 days. 

After 90 days, the Flood Insurance Application 
and supporting documentation must be 
resubmitted for another determination of the 
rating. 

G. Crawl Space 
A building with a crawl space (under-floor 
space) has its interior floor area (finished or not) 
no more than 5 feet below the top of the next 
higher floor. If a crawl space is below grade on 
all sides, and the elevation of the crawl space 
floor is below the Base Flood Elevation (BFE), 
the crawl space must be rated according to the 
guidelines found on pages LFG 24-25. For the 
purpose of completing the Flood Insurance 
Application, the building must be described as a 
non-elevated building with basement. 

NFIP rules and regulations specify that a crawl 
space with its interior floor below grade on all 
sides is considered a basement; therefore, the 
Standard Flood Insurance Policy basement 
coverage limitations apply to such crawl spaces. 

A building with a crawl space that is not 
subgrade must be described as an elevated 
building. 

Pre-FIRM buildings with subgrade crawl spaces 
that are below the BFE may use optional Post-
FIRM elevation rating. Follow the Submit-for-
Rate procedures when using this optional rating. 

RATE 25 May 1, 2008 


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 Standard Flood Insurance Policy. 

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) 
ON APPLICATION FORM 

Building Type Basement Contents 
(including basement 
if any) 


 One Floor  None  Lowest Floor 
or Only Above 
 Two Floors Ground Level 
 Two Floors  Finished  Basement Only 
or 
 Three or More Floors 
LIMITED COVERAGE IN BASEMENT 

 Two Floors  None  Lowest Floor 
or Above Ground 
 Three or More Floors Level and Higher 
Floors 
 Two Floors  Finished  Basement 
or and Above 
 Three or More Floors 
LIMITED COVERAGE IN BASEMENT 

 Two Floors  Unfinished  Basement 
or and Above 
 Three or More Floors 
LIMITED COVERAGE IN BASEMENT 

RATE 26 May 1, 2008 

ON APPLICATION FORM 

Building Type Basement Contents 
(including basement 
if any) 

 Two Floors  Finished  Lowest Floor 
or or Above Ground 

 Three or More Floors Unfinished Level and 
Higher Floors 
 Two Floors  None  Above Ground 
or or Level More 
 Three or More Floors  Finished Than One Full 
or Floor 
Unfinished 


RATE 27 May 1, 2008 


2. Elevated Buildings (contents in shaded areas) 
Elevated building 
free of obstruction 
Elevated building 
free of obstruction 
Elevated building 
with enclosure below 
lowest elevated floor 
Elevated building, 
multiple occupancy, 
no enclosure 
ON APPLICATION FORM 
Building Type 
(including enclosure 
if any) 
Enclosure Contents 
 One Floor  None  Lowest Floor 
Only Above 
Ground Level 
 Two Floors  None  Lowest Floor 
Above Ground 
Level and Higher 
Floor 

 Three or More Floors  Unfinished  Enclosure and Above 
LIMITED COVERAGE IN ENCLOSED AREA 

 Three or More Floors  None  Lowest Floor 
Only Above 
Ground Level 
RATE 28 May 1, 2008 


ON APPLICATION FORM 

Elevated building, 
multiple occupancy, 
no enclosure 
Elevated building, 
multiple occupancy, 
with enclosure 
Building Type 
(including enclosure 
if any) 
Enclosure Contents 
 Three or More Floors  None  Above Ground 
Level More Than 
One Full Floor 

 Three or More Floors  Unfinished  Above Ground 
Level More Than 
One Full Floor 
RATE 29 May 1, 2008 


XVI. FIRMS WITH WAVE HEIGHTS 
The producer must determine whether or not 
the BFE on the FIRM includes wave height. 
With very few exceptions (for communities on 
the West Coast) the Flood Insurance Rate 
Maps (FIRMs) published prior to January 1, 
1981, give still water levels that do not include 
wave height. FIRMs published January 1, 
1981, and later indicate whether or not wave 
height is included. If wave height is included, 
the following statement appears on the map 
legend: 

"Coastal base flood elevations shown on 
this map include the effects of wave action." 

These adjustments apply to 1981 Post-FIRM 
construction (after October 1, 1981) for Zones 
V1-V30 and VE. 

A. Procedure for Calculating Wave Height 
Adjustment 
The following information is needed: 

 A completed Elevation Certificate. 
 BFE from the Elevation Certificate (Item B9) 
or from the FIRM. 
 Lowest Adjacent Grade from Item C3.f of the 
Elevation Certificate completed by a 
registered professional engineer, architect, or 
surveyor. 
 Depth of Still Water Flooding (subtract the 
Lowest Adjacent Grade from the BFE). 
The additional elevation due to wave crest in 
V Zone areas will normally vary from a 
minimum of 2.1 feet to 0.55 times the still 
water depth at the site. (BFE including wave 
height adjustment = still water BFE + 0.55 x 
[still water BFE - lowest adjacent grade 
elevation].) 

For example, a building's site is determined 
to be located in Zone V8 with a BFE of 14' 
NGVD on the appropriate FIRM. Using the 
information from the Elevation Certificate, 
the BFE is calculated as follows: 

Example 1: 

Base flood elevation 14 
Lowest adjacent grade -6 

Difference 8 

Factor x 0.55 
Wave height adjustment 
(2.1 minimum) 4.4 

Base flood elevation + 14 

BFE adjusted 18.4 

Example 2: 

Base flood elevation 14 
Lowest adjacent grade -11 

Difference 3 

Factor x 0.55 
Wave height adjustment 
(2.1 minimum) 1.65 

2.1* 
Base flood elevation + 14 

BFE adjusted 16.1 

* In Example 2, if the calculation results in less than the 
minimum 2.1 feet, use 2.1 feet in the calculation of the 
BFE adjusted. 
B. Wave Heights in Numbered Zones V1V30 and VE 1981 Post-FIRM 
Construction 
For most communities that have Coastal High 
Hazard Areas, the Wave Height Adjustment to 
the Base Flood Elevation (BFE) has been 
included on the FIRM. 

No wave height adjustment is required for 
any numbered V Zone area included on a 
FIRM for any Pacific Coast community 

RATE 30 May 1, 2008 


since the wave action effects have already been 
considered in establishing the BFEs on the 
Pacific Coast. 

The 1981 and later FIRMs for the Atlantic and 
Gulf Coast communities indicate whether or not 
wave height is included. If wave height is 
included, the following statement appears under 
Notes to User on the map legends: Coastal 
base flood elevations shown on this map include 
the effects of wave action. 

C. Unnumbered V Zones 1981 Post-FIRM 
Construction 
Determining wave heights in coastal 
communities is a very important additional risk 
consideration in the engineering or architectural 
certification that the structure is securely 
anchored to adequately anchored pilings or 
columns in order to withstand velocity waters 
and hurricane wave wash. In these rare 
instances, it will be necessary to obtain, review, 
and reasonably utilize any BFE data available 
from a Federal, state, or other source, until such 
other data have been provided by the Federal 
Emergency Management Agency as criteria to 
determine the BFEs, including wave heights. 

D. Rate Selection Procedure 
Factors used in determining the appropriate 
insurance rate are: 

1. The elevation of the building relative to the 
BFE adjusted by the wave height factor for 
an individual building site or the actual 
FIRM BFEs on the appropriate FIRM 
(include the effect of wave action [wave 
height]), and 
2. The existence or non-existence of 
obstructions under the beam supporting the 
building's lowest floor. 
The replacement cost ratio is used to select the 
specific rate. Complete the appropriate section 
of the Application. 

XVII. FLOODPROOFED BUILDINGS 
Floodproofing and the completion of the 
Floodproofing Certificate are described in detail 
in the Special Certifications section. 

A. Elevation Difference 
To determine the elevation difference used for 
the rating of floodproofed buildings, the following 
procedures should be used if rounding is 
necessary: 

1. Round floodproofed elevation to the 
nearest foot if the BFE is shown in feet. 
Convert the floodproofed elevation to 
tenths of feet if the BFE is shown in tenths 
of feet. 
2. The elevation difference should be rounded 
to the nearest higher elevation. Use 0.5 
feet as the midpoint and always round up. 
(Example: +1.5 becomes +2; -0.5 
becomes 0; -1.4 becomes -1; -1.5 becomes 
-1; -1.6 becomes -2.) 
In order to qualify for floodproofing credit, 
buildings in AE, A1-A30, and AH Zones must be 
floodproofed to at least 1 foot higher than their 
BFEs. Buildings in AO Zones must be 
floodproofed to at least 1 foot higher than their 
Base Flood Depths. 

B. Rating 
When computing a premium for a floodproofed 
building, use the following procedure: 

1. Determine how far above the BFE the 
building is floodproofed. (For example, the 
building will be floodproofed at +1 foot, +2 
feet, and so forth above BFE.) 
2. Subtract 1 foot to determine the elevation 
to be used in determining the rate and 
computing the premium for the building. 
3. Find the rate for the given building in the 
proper zone at the "adjusted" elevation. 
4. Compute the premium as usual. 
The building must be floodproofed to +1 foot in 
order to receive a rate equivalent to a building 
with its lowest floor elevated to the BFE. 

For example, if the building is located in Zone 
AO and the community's floodproofing standards 
have been approved to a level of 3 feet above 
the highest adjacent grade (HAG) for the lowest 
floor of a nonfloodproofed building, to qualify for 
With Certification of Compliance rates, a building 
must meet the following standards: 

RATE 31 October 1, 2008 


 Be floodproofed to an elevation of 4 feet 
above HAG (1 foot above the community's 
minimum standard of 3 feet above HAG). 
 The floodproofing must be certified by a 
registered professional engineer or architect 
on the Floodproofing Certificate or by a 
responsible local official in a letter containing 
the same information requested on the 
Floodproofing Certificate. 
 The certification, certificate, or letter must 
accompany the NFIP Flood Insurance 
Application. 
In order to be eligible for lower rates, the insured 
must have a registered professional engineer or 
architect certify that the floodproofing conforms 
to the minimum floodproofing specifications of 
FEMA. This means that the building must be 
floodproofed to at least 1 foot above the BFE. If 
floodproofed to 1 foot above the BFE or flood 
depth, it can then be treated for rating purposes 
as having a "0" elevation difference from the 
BFE. This certification must be submitted with 
the Application for flood insurance. 

To further illustrate, if the building is certified to 
be floodproofed to 2 feet above the BFE, flood 
depth, or comparable community approved 
floodplain management standards, whichever is 
highest, then it is credited for floodproofing and 
is to be treated for rating purposes as having a 
+1 foot elevation. 

XVIII. THE V-ZONE RISK FACTOR RATING 
FORM 
A. Use 
In conjunction with Table 10 (V-Zone Risk 
Rating Relativities Table), this optional form (see 
page RATE 35) may be used to evaluate the 
coastal risk when it is believed that the design, 
placement, and/or construction of a building is 
such that the usual criteria used to establish 
actuarially appropriate rates do not reflect the 
lessened risk of a particular structure. The form 
may be used to either: 

 Establish a rate prior to issuing a new policy, 
or 
 Appeal the rate charged on an existing 
policy. 
Submit the V-Zone Risk Factor Rating Form for 
review, along with a copy of the site grading and 
structural plans, the Elevation Certificate (EC), 
and photographs. See pages CERT 1-2 of this 
manual for photo requirements pertaining to the 
new EC, which became mandatory for use 
effective January 1, 2007. 

B. Submission 
The completed form should be submitted to the 
NFIP Bureau and Statistical Agent, Underwriting 
Department, P.O. Box 310, Lanham, MD 
20703. 

Confirmation of the relativity and established 
rate will be returned to the submitting producer, 
engineer, and builder/applicant in approximately 
30 business days. 

RATE 32 May 1, 2008 


TABLE 10. V-ZONE RISK RATING RELATIVITIES TABLE 


Building No Obstruction Rates With Obstruction Rates 
Point 
Total1 
Replacement 
Cost Ratio 
.75 or More 
Replacement 
Cost Ratio 
.50 to .74 
Replacement 
Cost Ratio 
Under .50 
Replacement 
Cost Ratio 
.75 or More 
Replacement 
Cost Ratio 
.50 to .74 
Replacement 
Cost Ratio 
Under .50 
Less than 225 1.200 1.200 1.200 1.150 1.150 1.150 
225  275 1.100 1.100 1.100 1.050 1.050 1.100 
276  325 1.000 1.000 1.000 0.950 0.950 1.000 
326  375 0.900 0.950 1.000 0.950 0.975 1.000 
376  425 0.800 0.850 0.900 0.875 0.925 0.950 
426  475 0.700 0.750 0.800 0.800 0.850 0.900 
476  525 0.600 0.650 0.700 0.725 0.775 0.825 
526  575 0.500 0.575 0.650 0.650 0.700 0.750 
576  625 0.400 0.500 0.600 0.600 0.650 0.700 

1Subtract from your Building Point Total all points assigned for Item I. LOWEST FLOOR ELEVATION and Item IV.A.1. 
Free of Obstruction because these factors are included in the rate prior to application of any V-Zone Risk Factor Rating 
Credit. 

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XIX. RATING EXAMPLES 

TABLE OF CONTENTS 

EXAMPLE PAGE 

Example 1 Emergency Program, Standard Deductible.......................................................RATE 50 
Example 2 Regular Program, Pre-FIRM Construction, $2,000/$1,000 

 Deductible Option, Zone B.................................................................................RATE 51 
Example 3 Regular Program, Pre-FIRM Construction, $500 Deductible Option

 (Surcharge), Zone AE........................................................................................RATE 52 
Example 4 Regular Program, Pre-FIRM Construction, $3,000/$2,000 

 Deductible Option, Zone A15.............................................................................RATE 53 
Example 5 Regular Program, Post-FIRM, Elevation Rated, $5,000/$5,000 

 Deductible Option, Zone AE..............................................................................RATE 54 
Example 6 Regular Program, 1975-81 Post-FIRM V1-V30, Elevation Rated, Zone V13 ...RATE 55 
Example 7 Regular Program, Post-1981 VE or V1-V30, with Enclosure, Zone VE............RATE 56 
Example 8 Regular Program, Post-FIRM Construction, Contents-Only Policy, Zone A17.RATE 57 
Example 9 Regular Program, Post-FIRM, Elevation Rated, $5,000/$5,000 

 Deductible Option, Zone AO..............................................................................RATE 58 
Example 10 Regular Program, Post-FIRM, Elevation Rated, $500/$500 

Deductible Option, Zone AO (With Certification of Compliance).......................RATE 59 
Example 11 Regular Program, Post-FIRM, Elevation Rated, $3,000/$2,000 

 Deductible Option, Zone AH..............................................................................RATE 60 
Example 12 Regular Program, Post-FIRM, Elevation Rated, $500/$500 

Deductible Option, Zone AH (With Certification of Compliance).......................RATE 61 
Example 13 Regular Program, Post-FIRM, Elevation Rated, $500/$500 

Deductible Option, Zone A (with Estimated BFE)..............................................RATE 62 
Example 14 Regular Program, Post-FIRM, Elevation Rated, $500/$500 

Deductible Option, Zone A (without Estimated BFE).........................................RATE 63 


RATE 49 May 1, 2008 


EXAMPLE 1 

EMERGENCY PROGRAM, STANDARD DEDUCTIBLE 

Data Essential To Determine Appropriate Rates and Premium: 

 Emergency Program 
 Flood Zone: N/A 
 Occupancy: Single-Family Dwelling 
 # of Floors: 1 Floor 
 Basement/Enclosure: None 
 Deductible: $1,000/$1,000 (Standard) 
 Deductible Factor: 1.000 
 Contents Location: Lowest Floor Above Ground Level 
 Date of Construction: Pre-FIRM 
 Elevation Difference: N/A 
 Flood Proofed Yes/No: No 
 Building Coverage: $35,000 
 Contents: $10,000 
 ICC Premium: N/A 
 CRS Rating: N/A 
 CRS Discount: N/A 
Determined Rates: 

Building: .76 Contents: .96 

COVERAGE 
BASIC LIMITS ADDITIONAL LIMITS 
(REGULAR PROGRAM ONLY) DEDUCTIBLE 
BASIC AND 
ADDITIONAL 
TOTAL 
PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
PREM. 
REDUCTION/ 
INCREASE 
TOTAL 
AMOUNT OF 
INSURANCE 
BUILDING 35,000 .76 266 0 35,000 266 
CONTENTS 10,000 .96 96 0 10,000 96 
RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT ANNUAL SUBTOTAL 362 
. MANUAL . SUBMIT FOR RATING 
OPTION: ICC PREMIUM . 
. ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD 
SUBTOTAL 362 
. MORTGAGE PORTFOLIO PROTECTION PROGRAM . OTHER: 
CRS PREMIUM DISCOUNT % . 
. PROVISIONAL RATING 
SUBTOTAL 362 
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND PROBATION SURCHARGE . 
THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER FEDERAL POLICY FEE 35 
APPLICABLE FEDERAL LAW. 
SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) 
TOTAL PREPAID AMOUNT 397 

Premium Calculation: 

1. Multiply Rate x $100 of Coverage: Building: $266 / Contents: $96 
2. Apply Deductible Factor: Building: 1.000 x $266 = $266 / Contents: 1.000 x $96 = $96 
3. Premium Reduction/Increase: Building: $0 / Contents: $0 
4. Subtotal: $362 
5. Add ICC Premium: N/A 
6. Subtract CRS Discount: N/A 
7. Subtotal: $362 
8. Probation Surcharge: N/A 
9. Add Federal Policy Fee: $35 
10. Total Prepaid Amount: $397 
RATE 50 May 1, 2008 


EXAMPLE 2


REGULAR PROGRAM, PRE-FIRM CONSTRUCTION, $2,000/$1,000 DEDUCTIBLE OPTION, ZONE B 

Data Essential To Determine Appropriate Rates and Premium: 

 Regular Program 
 Flood Zone: B 
 Occupancy: Single-Family Dwelling 
 # of Floors: 2 Floors 
 Basement/Enclosure: None 
 Deductible: $2,000/$1,000 
 Deductible Factor: .915 
 Contents Location: Lowest Floor Above Ground Level and Higher Floors 
 Date of Construction: Pre-FIRM 
 Elevation Difference: N/A 
 Flood Proofed Yes/No: No 
 Building Coverage: $150,000 
 Contents Coverage: $60,000 
 ICC Premium: $6 
 CRS Rating: N/A 
 CRS Discount: N/A 
Determined Rates: 

Building: .78/.21 Contents: 1.20/.37 

COVERAGE 
BASIC LIMITS ADDITIONAL LIMITS 
(REGULAR PROGRAM ONLY) DEDUCTIBLE 
BASIC AND 
ADDITIONAL 
TOTAL 
PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
PREM. 
REDUCTION/ 
INCREASE 
TOTAL 
AMOUNT OF 
INSURANCE 
BUILDING 50,000 .78 390 100,000 .21 210 -51 150,000 549 
CONTENTS 20,000 1.20 240 40,000 .37 148 -33 60,000 355 
RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT ANNUAL SUBTOTAL 904 
. MANUAL . SUBMIT FOR RATING 
OPTION: ICC PREMIUM 6 
. ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD 
SUBTOTAL 910 
. MORTGAGE PORTFOLIO PROTECTION PROGRAM . OTHER: 
CRS PREMIUM DISCOUNT % . 
. PROVISIONAL RATING 
SUBTOTAL 910 
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND PROBATION SURCHARGE . 
THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER FEDERAL POLICY FEE 35 
APPLICABLE FEDERAL LAW. 
SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) 
TOTAL PREPAID AMOUNT 945 

Premium Calculation: 

1. Multiply Rate x $100 of Coverage: Building: $600 / Contents: $388 
2. Apply Deductible Factor: Building: .915 x $600 = $549 / Contents: .915 x $388 = $355 
3. Premium Reduction: Building: $600 - $549 = $51 / Contents: $388 - $355 = $33 
4. Subtotal: $904 
5. Add ICC Premium: $6 
6. Subtract CRS Discount: N/A 
7. Subtotal: $910 
8. Probation Surcharge: N/A 
9. Add Federal Policy Fee: $35 
10. Total Prepaid Amount: $945 
RATE 51 May 1, 2008 


EXAMPLE 3


REGULAR PROGRAM, PRE-FIRM CONSTRUCTION, $500 DEDUCTIBLE OPTION (SURCHARGE), ZONE AE 

Data Essential To Determine Appropriate Rates and Premium: 

 Regular Program 
 Flood Zone: AE 
 Occupancy: Single-Family Dwelling 
 # of Floors: 2 Floors 
 Basement/Enclosure: Enclosure 
 Deductible: $500/$500 
 Deductible Factor: 1.100 (Surcharge) 
 Contents Location: Enclosure and Above 
 Date of Construction: Pre-FIRM 
 Elevation Difference: N/A 
 Flood Proofed Yes/No: No 
 Building Coverage: $150,000 
 Contents Coverage: $60,000 
 ICC Premium: $75 
 CRS Rating: N/A 
 CRS Discount: N/A 
Determined Rates: 

Building: .81/.96 Contents: .96/.97 

COVERAGE 
BASIC LIMITS ADDITIONAL LIMITS 
(REGULAR PROGRAM ONLY) DEDUCTIBLE 
BASIC AND 
ADDITIONAL 
TOTAL 
PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
PREM. 
REDUCTION/ 
INCREASE 
TOTAL 
AMOUNT OF 
INSURANCE 
BUILDING 50,000 .81 405 100,000 .96 960 +137 150,000 1,502 
CONTENTS 20,000 .96 192 40,000 .97 388 +58 60,000 638 
RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT ANNUAL SUBTOTAL 2,140 
. MANUAL . SUBMIT FOR RATING 
OPTION: ICC PREMIUM 75 
. ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD 
SUBTOTAL 2,215 
. MORTGAGE PORTFOLIO PROTECTION PROGRAM . OTHER: 
CRS PREMIUM DISCOUNT % . 
. PROVISIONAL RATING 
SUBTOTAL 2,215 
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND PROBATION SURCHARGE . 
THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER FEDERAL POLICY FEE 35 
APPLICABLE FEDERAL LAW. 
SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) 
TOTAL PREPAID AMOUNT 2,250 

Premium Calculation: 

1. Multiply Rate x $100 of Coverage: Building: $1,365 / Contents: $580 
2. Apply Deductible Factor: Building: 1.100 x $1,365 = $1,502 / Contents: 1.100 x $580 = $638 
3. Premium Increase: Building: $1,502 - $1,365 = $137 / Contents: $638 - $580 = $58 
4. Subtotal: $2,140 
5. Add ICC Premium: $75 
6. Subtract CRS Discount: N/A 
7. Subtotal: $2,215 
8. Probation Surcharge: N/A 
9. Add Federal Policy Fee: $35 
10. Total Prepaid Amount: $2,250 
RATE 52 May 1, 2008 


EXAMPLE 4


REGULAR PROGRAM, PRE-FIRM CONSTRUCTION, $3,000/$2,000 DEDUCTIBLE OPTION, ZONE A15 

Data Essential To Determine Appropriate Rates and Premium: 

 Regular Program 
 Flood Zone: A15 
 Occupancy: Single-Family Dwelling 
 # of Floors: 3 Floors 
 Basement/Enclosure: Basement 
 Deductible: $3,000/$2,000 Building and Contents 
 Deductible Factor: .875 
 Contents Location: Basement and Above 
 Date of Construction: Pre-FIRM 
 Elevation Difference: N/A 
 Flood Proofed Yes/No: No 
 Building Coverage: $250,000 
 Contents Coverage: $100,000 
 ICC Premium: $60 
 CRS Rating: 4 
 CRS Discount: 30% 
Determined Rates: 

Building: .81/.79 Contents: .96/.81 

COVERAGE 
BASIC LIMITS ADDITIONAL LIMITS 
(REGULAR PROGRAM ONLY) DEDUCTIBLE 
BASIC AND 
ADDITIONAL 
TOTAL 
PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
PREM. 
REDUCTION/ 
INCREASE 
TOTAL 
AMOUNT OF 
INSURANCE 
BUILDING 50,000 .81 405 200,000 .79 1,580 -248 250,000 1,737 
CONTENTS 20,000 .96 192 80,000 .81 648 -105 100,000 735 
RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT ANNUAL SUBTOTAL 2,472 
. MANUAL . SUBMIT FOR RATING 
OPTION: ICC PREMIUM 60 
. ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD 
SUBTOTAL 2,532 
. MORTGAGE PORTFOLIO PROTECTION PROGRAM . OTHER: 
CRS PREMIUM DISCOUNT 30% -760 
. PROVISIONAL RATING 
SUBTOTAL 1,772 
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND PROBATION SURCHARGE . 
THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER FEDERAL POLICY FEE 35 
APPLICABLE FEDERAL LAW. 
SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) 
TOTAL PREPAID AMOUNT 1,807 

Premium Calculation: 

1. Multiply Rate x $100 of Coverage: Building: $1,985 / Contents: $840 
2. Apply Deductible Factor: Building: .875 x $1,985 = $1,737 / Contents: .875 x $840 = $735 
3. Premium Reduction: Building: $1,985 - $1,737 = $248 / Contents: $840 - $735 = $105 
4. Subtotal: $2,472 
5. Add ICC Premium: $60 
6. Subtract CRS Discount: -$760 (30%) 
7. Subtotal: $1,772 
8. Probation Surcharge: N/A 
9. Add Federal Policy Fee: $35 
10. Total Prepaid Amount: $1,807 
RATE 53 May 1, 2008 


EXAMPLE 5 


REGULAR PROGRAM, POST-FIRM, ELEVATION RATED, $5,000/$5,000 DEDUCTIBLE OPTION, ZONE AE 

Data Essential To Determine Appropriate Rates and Premium: 

 Regular Program 
 Flood Zone: AE 
 Occupancy: Non-Residential 
 # of Floors: 2 Floors 
 Basement/Enclosure: None 
 Deductible: $5,000/$5,000 
 Deductible Factor: .870 
 Contents Location: Above Ground Level and Higher Floors 
 Date of Construction: Post-FIRM 
 Elevation Difference: +4 
 Flood Proofed Yes/No: No 
 Building Coverage: $500,000 
 Contents Coverage: $500,000 
 ICC Premium: $4 
 CRS Rating: 5 
 CRS Discount: 25% 
Determined Rates: 

Building: .20/.08 Contents: .22/.12 

COVERAGE 
BASIC LIMITS ADDITIONAL LIMITS 
(REGULAR PROGRAM ONLY) DEDUCTIBLE 
BASIC AND 
ADDITIONAL 
TOTAL 
PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
PREM. 
REDUCTION/ 
INCREASE 
TOTAL 
AMOUNT OF 
INSURANCE 
BUILDING 150,000 .20 300 350,000 .08 280 -75 500,000 505 
CONTENTS 130,000 .22 286 370,000 .12 444 -95 500,000 635 
RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT ANNUAL SUBTOTAL 1,140 
. MANUAL . SUBMIT FOR RATING 
OPTION: ICC PREMIUM 4 
. ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD 
SUBTOTAL 1,144 
. MORTGAGE PORTFOLIO PROTECTION PROGRAM . OTHER: 
CRS PREMIUM DISCOUNT 25% -286 
. PROVISIONAL RATING 
SUBTOTAL 858 
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND PROBATION SURCHARGE . 
THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER FEDERAL POLICY FEE 35 
APPLICABLE FEDERAL LAW. 
SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) 
TOTAL PREPAID AMOUNT 893 

Premium Calculation: 

1. Multiply Rate x $100 of Coverage: Building: $580 / Contents: $730 
2. Apply Deductible Factor: Building: .870 x $580 = $505 / Contents: .870 x $730 = $635 
3. Premium Reduction: Building: $580 - $505 = $75 / Contents: $730 - $635 = $95 
4. Subtotal: $1,140 
5. Add ICC Premium: $4 
6. Subtract CRS Discount: -$286 (25%) 
7. Subtotal: $858 
8. Probation Surcharge: N/A 
9. Add Federal Policy Fee: $35 
10. Total Prepaid Amount: $893 
RATE 54 May 1, 2008 


EXAMPLE 6 

REGULAR PROGRAM, 1975-81 POST-FIRM V1-V30, ELEVATION RATED, ZONE V13 

Data Essential To Determine Appropriate Rates and Premium: 

 Regular Program 
 Flood Zone: V13 
 Occupancy: Single-Family Dwelling 
 # of Floors: 2 Floors 
 Basement/Enclosure: None 
 Deductible: $500/$500 
 Deductible Factor: 1.000 
 Contents Location: Lowest Floor Above Ground Level and Higher Floors 
 Date of Construction: 1975 - 81 (Post-FIRM) 
 Elevation Difference: +1 
 Flood Proofed Yes/No: No 
 Building Coverage: $150,000 
 Contents Coverage: $100,000 
 ICC Premium: $35 
 CRS Rating: 8 
 CRS Discount: 10% 
Determined Rates: 

Building: 2.05/.46 Contents: 2.55/.61 

COVERAGE 
BASIC LIMITS ADDITIONAL LIMITS 
(REGULAR PROGRAM ONLY) DEDUCTIBLE 
BASIC AND 
ADDITIONAL 
TOTAL 
PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
PREM. 
REDUCTION/ 
INCREASE 
TOTAL 
AMOUNT OF 
INSURANCE 
BUILDING 50,000 2.05 1,025 100,000 .46 460 0 150,000 1,485 
CONTENTS 20,000 2.55 510 80,000 .61 488 0 100,000 998 
RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT ANNUAL SUBTOTAL 2,483 
. MANUAL . SUBMIT FOR RATING 
OPTION: ICC PREMIUM 35 
. ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD 
SUBTOTAL 2,518 
. MORTGAGE PORTFOLIO PROTECTION PROGRAM . OTHER: 
CRS PREMIUM DISCOUNT 10% -252 
. PROVISIONAL RATING 
SUBTOTAL 2,266 
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND PROBATION SURCHARGE . 
THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER FEDERAL POLICY FEE 35 
APPLICABLE FEDERAL LAW. 
SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) 
TOTAL PREPAID AMOUNT 2,301 

Premium Calculation: 

1. Multiply Rate x $100 of Coverage: Building: $1,485 / Contents: $998 
2. Apply Deductible Factor: Building: 1.000 x $1,485 = $1,485 / Contents: 1.000 x $998 = $998 
3. Premium Reduction/Increase: Building: $0 / Contents: $0 
4. Subtotal: $2,483 
5. Add ICC Premium: $35 
6. Subtract CRS Discount: -$252 (10%) 
7. Subtotal: $2,266 
8. Probation Surcharge: N/A 
9. Add Federal Policy Fee: $35 
10. Total Prepaid Amount: $2,301 
RATE 55 May 1, 2008 


EXAMPLE 7 

REGULAR PROGRAM, POST-1981 VE OR V1-V30, WITH ENCLOSURE, ZONE VE 

Data Essential To Determine Appropriate Rates and Premium: 

 Regular Program 
 Flood Zone: VE 
 Occupancy: Single-Family Dwelling 
 # of Floors: 3 or More Floors 
 Basement/Enclosure: Enclosure (< 300 sq. ft., w/o M&E) 
 Deductible: $3,000/$3,000 
 Deductible Factor: .825 
 Contents Location: Lowest Floor Above Ground Level and Higher Floors 
 Date of Construction: Post-81 
 Elevation Difference: -1 
 Flood Proofed Yes/No: No 
 Replacement Cost: $300,000 
 Building Coverage: $250,000 
 Contents Coverage: $100,000 
 ICC Premium: $14 
 CRS Rating: 9 
 CRS Discount: N/A 
Determined Rates: 

Building: 2.93/2.93 Contents: 2.19/2.19 

COVERAGE 
BASIC LIMITS ADDITIONAL LIMITS 
(REGULAR PROGRAM ONLY) DEDUCTIBLE 
BASIC AND 
ADDITIONAL 
TOTAL 
PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
PREM. 
REDUCTION/ 
INCREASE 
TOTAL 
AMOUNT OF 
INSURANCE 
BUILDING 50,000 2.93 1,465 200,000 2.93 5,860 -1,282 250,000 6,043 
CONTENTS 20,000 2.19 438 80,000 2.19 1,752 -383 100,000 1,807 
RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT ANNUAL SUBTOTAL 7,850 
. MANUAL . SUBMIT FOR RATING 
OPTION: ICC PREMIUM 14 
. ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD 
SUBTOTAL 7,864 
. MORTGAGE PORTFOLIO PROTECTION PROGRAM . OTHER: 
CRS PREMIUM DISCOUNT % . 
. PROVISIONAL RATING 
SUBTOTAL 7,864 
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND PROBATION SURCHARGE . 
THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER FEDERAL POLICY FEE 35 
APPLICABLE FEDERAL LAW. 
SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) 
TOTAL PREPAID AMOUNT 7,899 

Premium Calculation: 

1. Multiply Rate x $100 of Coverage: Building: $7,325 / Contents: $2,190 
2. Apply Deductible Factor: Building: .825 x $7,325 = $6,043 / Contents: .825 x $2,190 = $1,807 
3. Premium Reduction: Building: $7,325 - $6,043 = $1,282 / Contents: $2,190 - $1,807 = $58 
4. Subtotal: $7,850 
5. Add ICC Premium: $14 
6. Subtract CRS Discount: N/A 
7. Subtotal: $7,864 
8. Probation Surcharge: N/A 
9. Add Federal Policy Fee: $35 
10. Total Prepaid Amount: $7,899 
RATE 56 May 1, 2008 


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 (Renters Policy) 
 # of Floors: 2 Floors 
 Basement/Enclosure: None 
 Deductible: $500 
 Deductible Factor: 1.000 
 Contents Location: Above Ground Level and Higher Floors 
 Date of Construction: Post-FIRM 
 Elevation Difference: +2 
 Flood Proofed Yes/No: No 
 Building Coverage: N/A 
 Contents Coverage: $100,000 
 ICC Premium: N/A 
 CRS Rating: N/A 
 CRS Discount: N/A 
Determined Rates: 

Building: N/A Contents: .38/.12 

COVERAGE 
BASIC LIMITS ADDITIONAL LIMITS 
(REGULAR PROGRAM ONLY) DEDUCTIBLE 
BASIC AND 
ADDITIONAL 
TOTAL 
PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
PREM. 
REDUCTION/ 
INCREASE 
TOTAL 
AMOUNT OF 
INSURANCE 
BUILDING 0 
CONTENTS 20,000 .38 76 80,000 .12 96 0 100,000 172 
RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT ANNUAL SUBTOTAL 172 
. MANUAL . SUBMIT FOR RATING 
OPTION: ICC PREMIUM . 
. ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD 
SUBTOTAL 172 
. MORTGAGE PORTFOLIO PROTECTION PROGRAM . OTHER: 
CRS PREMIUM DISCOUNT % . 
. PROVISIONAL RATING 
SUBTOTAL 172 
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND PROBATION SURCHARGE . 
THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER FEDERAL POLICY FEE 35 
APPLICABLE FEDERAL LAW. 
SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) 
TOTAL PREPAID AMOUNT 207 

Premium Calculation: 

1. Multiply Rate x $100 of Coverage: Building: N/A / Contents: $172 
2. Apply Deductible Factor: Building: N/A / Contents: 1.000 x $172 = $172 
3. Premium Reduction/Increase: Building: N/A / Contents: $0 
4. Subtotal: $172 
5. Add ICC Premium: N/A 
6. Subtract CRS Discount: N/A 
7. Subtotal: $172 
8. Probation Surcharge: N/A 
9. Add Federal Policy Fee: $35 
10. Total Prepaid Amount: $207 
RATE 57 May 1, 2008 


EXAMPLE 9


REGULAR PROGRAM, POST-FIRM, ELEVATION RATED, $5,000/$5,000 DEDUCTIBLE OPTION, ZONE AO 

Data Essential To Determine Appropriate Rates and Premium: 

 Regular Program 
 Flood Zone: AO 
 Occupancy: Non-Residential 
 # of Floors: 2 Floors 
 Basement/Enclosure: None 
 Deductible: $5,000/$5,000 
 Deductible Factor: .870 
 Contents Location: Above Ground Level and Higher Floors 
 Date of Construction: Post-FIRM 
 Elevation Difference: -1 
 Flood Proofed Yes/No: No 
 Building Coverage: $500,000 
 Contents Coverage: $500,000 
 ICC Premium: $4 
 CRS Rating: 5 
 CRS Discount: N/A 
Determined Rates: 

Building: 1.01/.36 Contents: 1.97/.31 

COVERAGE 
BASIC LIMITS ADDITIONAL LIMITS 
(REGULAR PROGRAM ONLY) DEDUCTIBLE 
BASIC AND 
ADDITIONAL 
TOTAL 
PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
PREM. 
REDUCTION/ 
INCREASE 
TOTAL 
AMOUNT OF 
INSURANCE 
BUILDING 150,000 1.01 1,515 350,000 .36 1,260 -361 500,000 2,414 
CONTENTS 130,000 1.97 2,561 370,000 .31 1,147 -482 500,000 3,226 
RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT ANNUAL SUBTOTAL 5,640 
. MANUAL . SUBMIT FOR RATING 
OPTION: ICC PREMIUM 4 
. ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD 
SUBTOTAL 5,644 
. MORTGAGE PORTFOLIO PROTECTION PROGRAM . OTHER: 
CRS PREMIUM DISCOUNT % . 
. PROVISIONAL RATING 
SUBTOTAL 5,644 
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND PROBATION SURCHARGE . 
THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER FEDERAL POLICY FEE 35 
APPLICABLE FEDERAL LAW. 
SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) 
TOTAL PREPAID AMOUNT 5,679 

Premium Calculation: 

1. Multiply Rate x $100 of Coverage: Building: $2,775 / Contents: $3,708 
2. Apply Deductible Factor: Building: .870 x $2,775 = $2,414 / Contents: .870 x $3,708 = $3,226 
3. Premium Reduction: Building: $2,775 - $2,414 = $361 / Contents: $3,708 - $3,226 = $482 
4. Subtotal: $5,640 
5. Add ICC Premium: $4 
6. Subtract CRS Discount: N/A 
7. Subtotal: $5,644 
8. Probation Surcharge: N/A 
9. Add Federal Policy Fee: $35 
10. Total Prepaid Amount: $5,679 
RATE 58 May 1, 2008 


EXAMPLE 10 

REGULAR PROGRAM, POST-FIRM, ELEVATION RATED, $500/$500 DEDUCTIBLE OPTION, 
ZONE AO (WITH CERTIFICATION OF COMPLIANCE) 

Data Essential To Determine Appropriate Rates and Premium: 

 Regular Program 
 Flood Zone: AO (With Certification of Compliance) 
 Occupancy: Single-Family Dwelling 
 # of Floors: 2 Floors 
 Basement/Enclosure: None 
 Deductible: $500/$500 
 Deductible Factor: 1.000 
 Contents Location: Above Ground Level and Higher Floors 
 Date of Construction: Post-FIRM 
 Elevation Difference: +1 
 Flood Proofed Yes/No: No 
 Building Coverage: $250,000 
 Contents Coverage: $100,000 
 ICC Premium: $4 
 CRS Rating: N/A 
 CRS Discount: N/A 
Determined Rates: 

Building: .28/.08 Contents: .37/.13 

COVERAGE 
BASIC LIMITS ADDITIONAL LIMITS 
(REGULAR PROGRAM ONLY) DEDUCTIBLE 
BASIC AND 
ADDITIONAL 
TOTAL 
PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
PREM. 
REDUCTION/ 
INCREASE 
TOTAL 
AMOUNT OF 
INSURANCE 
BUILDING 50,000 .28 140 200,000 .08 160 0 250,000 300 
CONTENTS 20,000 .37 74 80,000 .13 104 0 100,000 178 
RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT ANNUAL SUBTOTAL 478 
. MANUAL . SUBMIT FOR RATING 
OPTION: ICC PREMIUM 4 
. ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD 
SUBTOTAL 482 
. MORTGAGE PORTFOLIO PROTECTION PROGRAM . OTHER: 
CRS PREMIUM DISCOUNT %  
. PROVISIONAL RATING 
SUBTOTAL 482 
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND PROBATION SURCHARGE  
THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER FEDERAL POLICY FEE 35 
APPLICABLE FEDERAL LAW. 
SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) 
TOTAL PREPAID AMOUNT 517 

Premium Calculation: 

1. Multiply Rate x $100 of Coverage: Building: $300 / Contents: $178 
2. Apply Deductible Factor: Building: 1.000 x $300 = $300 / Contents: 1.000 x $178 = $178 
3. Premium Reduction: Building: $0 / Contents: = $0 
4. Subtotal: $478 
5. Add ICC Premium: $4 
6. Subtract CRS Discount: N/A 
7. Subtotal: $482 
8. Probation Surcharge: N/A 
9. Add Federal Policy Fee: $35 
10. Total Prepaid Amount: $517 
RATE 59 May 1, 2008 


EXAMPLE 11


REGULAR PROGRAM, POST-FIRM, ELEVATION RATED, $3,000/$2,000 DEDUCTIBLE OPTION, ZONE AH 

Data Essential To Determine Appropriate Rates and Premium: 

 Regular Program 
 Flood Zone: AH 
 Occupancy: Single-Family Dwelling 
 # of Floors: 1 Floor 
 Basement/Enclosure: None 
 Deductible: $3,000/$2,000 
 Deductible Factor: .85 
 Contents Location: Lowest Floor Above Ground Level 
 Date of Construction: Post-FIRM 
 Elevation Difference: -1 
 Flood Proofed Yes/No: No 
 Building Coverage: $250,000 
 Contents Coverage: $25,000 
 ICC Premium: $4 
 CRS Rating: N/A 
 CRS Discount: N/A 
Determined Rates: 

Building: .93/.21 Contents: 1.17/.24 

COVERAGE 
BASIC LIMITS ADDITIONAL LIMITS 
(REGULAR PROGRAM ONLY) DEDUCTIBLE 
BASIC AND 
ADDITIONAL 
TOTAL 
PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
PREM. 
REDUCTION/ 
INCREASE 
TOTAL 
AMOUNT OF 
INSURANCE 
BUILDING 50,000 .93 465 200,000 .21 420 -133 250,000 752 
CONTENTS 20,000 1.17 234 5,000 .24 12 -37 25,000 209 
RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT ANNUAL SUBTOTAL 961 
. MANUAL . SUBMIT FOR RATING 
OPTION: ICC PREMIUM 4 
. ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD 
SUBTOTAL 965 
. MORTGAGE PORTFOLIO PROTECTION PROGRAM . OTHER: 
CRS PREMIUM DISCOUNT _____%  
. PROVISIONAL RATING 
SUBTOTAL 965 
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND PROBATION SURCHARGE  
THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER FEDERAL POLICY FEE 35 
APPLICABLE FEDERAL LAW. 
SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) 
TOTAL PREPAID AMOUNT 1,000 

Premium Calculation: 

1. Multiply Rate x $100 of Coverage: Building: $885 / Contents: $246 
2. Apply Deductible Factor: Building: .85 x $885 = $752 / Contents: .85 x $246 = $209 
3. Premium Reduction: Building: $885 - $752 = $133 / Contents = $246 - $209 = $37 
4. Subtotal: $961 
5. Add ICC Premium: $4 
6. Subtract CRS Discount: N/A 
7. Subtotal: $965 
8. Probation Surcharge: N/A 
9. Add Federal Policy Fee: $35 
10. Total Prepaid Amount: $1,000 
RATE 60 May 1, 2008 


EXAMPLE 12 

REGULAR PROGRAM, POST-FIRM, ELEVATION RATED, $500/$500 DEDUCTIBLE OPTION, 
ZONE AH (WITH CERTIFICATION OF COMPLIANCE) 

Data Essential To Determine Appropriate Rates and Premium: 

 Regular Program 
 Flood Zone: AH (With Certification of Compliance) 
 Occupancy: 2-4 Family Dwelling 
 # of Floors: 2 Floors 
 Basement/Enclosure: None 
 Deductible: $500/$500 
 Deductible Factor: 1.000 
 Contents Location: Above Ground Level and Higher Floors 
 Date of Construction: Post-FIRM 
 Elevation Difference: +3 
 Flood Proofed Yes/No: No 
 Building Coverage: $200,000 
 Contents Coverage: $40,000 
 ICC Premium: $4 
 CRS Rating: N/A 
 CRS Discount: N/A 
Determined Rates: 

Building: .28/.08 Contents: .37/.13 

COVERAGE 
BASIC LIMITS ADDITIONAL LIMITS 
(REGULAR PROGRAM ONLY) DEDUCTIBLE 
BASIC AND 
ADDITIONAL 
TOTAL 
PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
PREM. 
REDUCTION/ 
INCREASE 
TOTAL 
AMOUNT OF 
INSURANCE 
BUILDING 50,000 .28 140 150,000 .08 120 0 200,000 260 
CONTENTS 20,000 .37 74 20,000 .13 26 0 40,000 100 
RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT ANNUAL SUBTOTAL 360 
. MANUAL . SUBMIT FOR RATING 
OPTION: ICC PREMIUM 4 
. ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD 
SUBTOTAL 364 
. MORTGAGE PORTFOLIO PROTECTION PROGRAM . OTHER: 
CRS PREMIUM DISCOUNT %  
. PROVISIONAL RATING 
SUBTOTAL 364 
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND PROBATION SURCHARGE  
THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER FEDERAL POLICY FEE 35 
APPLICABLE FEDERAL LAW. 
SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) 
TOTAL PREPAID AMOUNT 399 

Premium Calculation: 

1. Multiply Rate x $100 of Coverage: Building: $260 / Contents: $100 
2. Apply Deductible Factor: Building: 1.000 x $260 = $260 / Contents: 1.000 x $100 = $100 
3. Premium Reduction: Building: $0 / Contents: $0 
4. Subtotal: $360 
5. Add ICC Premium: $4 
6. Subtract CRS Discount: N/A 
7. Subtotal: $364 
8. Probation Surcharge: N/A 
9. Add Federal Policy Fee: $35 
10. Total Prepaid Amount: $399 
RATE 61 May 1, 2008 


EXAMPLE 13 

REGULAR PROGRAM, POST-FIRM, ELEVATION RATED, $500/$500 DEDUCTIBLE OPTION, 
ZONE A (WITH ESTIMATED BFE) 

Data Essential To Determine Appropriate Rates and Premium: 

 Regular Program 
 Flood Zone: A 
 Occupancy: 2-4 Family Dwelling 
 # of Floors: 2 Floors 
 Basement/Enclosure: None 
 Deductible: $500/$500 
 Deductible Factor: 1.000 
 Contents Location: Above Ground Level and Higher Floors 
 Date of Construction: Post-FIRM 
 Elevation Difference: +6 (with Estimated BFE) 
 Flood Proofed Yes/No: No 
 Building Coverage: $140,000 
 Contents Coverage: $70,000 
 ICC Premium: $6 
 CRS Rating: N/A 
 CRS Discount: N/A 
Determined Rates: 

Building: .41/.08 Contents: .51/.12 

COVERAGE 
BASIC LIMITS ADDITIONAL LIMITS 
(REGULAR PROGRAM ONLY) DEDUCTIBLE 
BASIC AND 
ADDITIONAL 
TOTAL 
PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
PREM. 
REDUCTION/ 
INCREASE 
TOTAL 
AMOUNT OF 
INSURANCE 
BUILDING 50,000 .41 205 90,000 .08 72 0 140,000 277 
CONTENTS 20,000 .51 102 50,000 .12 60 0 70,000 162 
RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT ANNUAL SUBTOTAL 439 
. MANUAL . SUBMIT FOR RATING 
OPTION: ICC PREMIUM 6 
. ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD 
SUBTOTAL 445 
. MORTGAGE PORTFOLIO PROTECTION PROGRAM . OTHER: 
CRS PREMIUM DISCOUNT %  
. PROVISIONAL RATING 
SUBTOTAL 445 
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND PROBATION SURCHARGE  
THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER FEDERAL POLICY FEE 35 
APPLICABLE FEDERAL LAW. 
SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) 
TOTAL PREPAID AMOUNT 480 

Premium Calculation: 

1. Multiply Rate x $100 of Coverage: Building: $277 / Contents: $162 
2. Apply Deductible Factor: Building: 1.000 x $277 = $277 / Contents: 1.000 x $162 = $162 
3. Premium Reduction: Building: $0 / Contents = $0 
4. Subtotal: $439 
5. Add ICC Premium: $6 
6. Subtract CRS Discount: N/A 
7. Subtotal: $445 
8. Probation Surcharge: N/A 
9. Add Federal Policy Fee: $35 
10. Total Prepaid Amount: $480 
RATE 62 May 1, 2008 


EXAMPLE 14 
REGULAR PROGRAM, POST-FIRM, ELEVATION RATED, $500/$500 DEDUCTIBLE OPTION, 
ZONE A (WITHOUT ESTIMATED BFE) 
Data Essential To Determine Appropriate Rates and Premium: 

 Regular Program 
 Flood Zone: 
 Occupancy: 
 # of Floors: 
 Basement/Enclosure: 
 Deductible: 
 Deductible Factor: 
 Contents Location: 
 Date of Construction: 
 Elevation Difference: 
 Flood Proofed Yes/No: 
 Building Coverage: 
 Contents Coverage: 
 ICC Premium: 
 CRS Rating: 
 CRS Discount: 
Determined Rates: 

Building: .36/.10 

A 
Single-Family Dwelling 
2 Floors 
None 
$500/$500 

1.000 
Lowest Floor Above Ground Level and Higher Floors 
Post-FIRM 
+5 (without Estimated BFE) 
No 
$135,000 
$60,000 
$4 
N/A 
N/A 
Contents: .62/.12 

COVERAGE 
BASIC LIMITS ADDITIONAL LIMITS 
(REGULAR PROGRAM ONLY) DEDUCTIBLE 
BASIC AND 
ADDITIONAL 
TOTAL 
PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
PREM. 
REDUCTION/ 
INCREASE 
TOTAL 
AMOUNT OF 
INSURANCE 
BUILDING 50,000 .36 180 85,000 .10 85 0 135,000 265 
CONTENTS 20,000 .62 124 40,000 .12 48 0 60,000 172 
RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT ANNUAL SUBTOTAL 437 
. MANUAL . SUBMIT FOR RATING 
OPTION: ICC PREMIUM 6 
. ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD 
SUBTOTAL 443 
. MORTGAGE PORTFOLIO PROTECTION PROGRAM . OTHER: 
CRS PREMIUM DISCOUNT %  
. PROVISIONAL RATING 
SUBTOTAL 443 
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND PROBATION SURCHARGE  
THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER FEDERAL POLICY FEE 35 
APPLICABLE FEDERAL LAW. 
SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) 
TOTAL PREPAID AMOUNT 478 

Premium Calculation: 

1. Multiply Rate x $100 of Coverage: 
2. Apply Deductible Factor: 
3. Premium Reduction: 
4. Subtotal: 
5. Add ICC Premium: 
6. Subtract CRS Discount: 
7. Subtotal: 
8. Probation Surcharge: 
9. Add Federal Policy Fee: 
10. Total Prepaid Amount: 
Building: $265 / Contents: $172 
Building: 1.000 x $265 = $265 / Contents: 1.000 x $172 = $172 
Building: $0 / Contents: $0 
$437 
$6 
N/A 
$443 
N/A 
$35 
$478 

RATE 63 May 1, 2008 


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CONDOMINIUMS


Important Notice to Agents: 

Boards of Directors of condominium associations typically are responsible under their by-laws for 
maintaining all forms of property insurance necessary to protect the common property of the association 
against all hazards to which that property is exposed for the insurable value/replacement cost of those 
common elements. This responsibility would typically include providing adequate flood insurance 
protection for all common property located in Special Flood Hazard Areas. Such by-law requirements 
could make the individual members of the boards of directors of such associations personally liable for 
insurance errors or omissions, including those relating to flood insurance. 

I. METHODS OF INSURING CONDOMINIUMS 
There are five methods of insuring condominiums 
under the National Flood Insurance Program 
(NFIP). Each method has its own eligibility 
requirements for condominium type. 

A. Residential Condominium: 
Association Coverage on Building and 
Contents 
A condominium association is the corporate entity 
responsible for the management and operation of 
a condominium. Membership is made up of the 
condominium unit owners. A condominium 
association may purchase insurance coverage on 
a residential building and its contents under the 
Residential Condominium Building Association 
Policy (RCBAP). The RCBAP covers only a 
residential condominium building in a Regular 
Program community. If the named insured is 
listed as other than a condominium association, 
the agent must provide legal documentation to 
confirm that the insured is a condominium 
association. 

B. Residential Condominium: 
Unit Owners Coverage on Building and 
Contents 
A condominium unit in a townhouse, rowhouse, 
high-rise or low-rise building is considered to be a 
single family residence. An individual dwelling 
unit in a condominium building may be insured in 
any one of three ways: 

 An individual unit and its contents may be 
separately insured under the Dwelling Form, 
in the name of the unit owner, at the limits of 
insurance for a single family dwelling. 
 An individual unit may be separately insured 
under the Dwelling Form, if purchased by the 
association in the name of the "owner of 
record unit number (#) and (name of) 
Association as their interests may appear," 
up to the limits of insurance for a single family 
dwelling. 
An individual unit owned by the association 
may be separately insured under the 
Dwelling Form, if purchased by the 
condominium association. The single family 
limits of insurance apply. 

A policy on a condominium unit will be issued 
naming the unit owner and the association, as 
their interests may appear. Coverage under a unit 
owner's policy applies first to the individually 
owned building elements and improvements to 
the unit and then to the damage of the building's 
common elements that are the unit owner's 
responsibility. 

In the event of a loss, the claim payment to an 
individual unit owner may not exceed the 
maximum allowable in the Program. 

C. Other Residential Condominium: 
Condominium Association Policy, 
Association Coverage on Building and 
Contents 
The Condominium Association Program (CAP), 
under the General Property Form, is available to 
insure condominium buildings not eligible for the 
RCBAP. A CAP is written on the General 
Property Form in the name of the association. For 
policies after October 1, 1994, the CAP is to be 
used for all condominiums in the Emergency 
Program communities, and those condominiums 
in Regular Program communities that do not meet 
the requirement that 75 percent of the floor area 
of the building be residential. In all other cases, 
the Residential Condominium Building 
Association Policy must be sold. The CAP will 
cover building common elements as well as 
building elements (additions and alterations) 
within all units of the building. 

CONDO 1 May 1, 2008 


In the event of a loss, building coverage under 
either association policy applies first to building 
common elements damage and then to damage 
to individually owned building elements, and the 
claim payment may not exceed the maximum 
allowable under the NFIP. 

D. Nonresidential (Commercial) Condominium: 
Building and Contents 
Nonresidential (commercial) condominium 
buildings and their commonly owned contents 
may be insured in the name of the Association 
under the General Property Form. The 
"Nonresidential" limits apply. 

Individual residential condominium units in 
nonresidential condominium buildings are not 
eligible for building coverage. 

E. Nonresidential (Commercial) Condominium: 
Unit Owner's Coverage (Contents) 
The owner of a nonresidential condominium unit 
may purchase only contents coverage for that 
unit. Building coverage may not be purchased in 
the name of the unit owner. 

In the event of a loss, up to 10 percent of the 
stated amount of contents coverage can be 
applied to losses to condominium interior walls, 
floors, and ceilings. The 10 percent is not an 
additional amount of insurance. 

CONDO 2 October 1, 2008 


TABLE 1. CONDOMINIUM UNDERWRITING GUIDELINES 
POLICY POLICY INSURED PROPERTY ELIGIBILITY REPLACEMENT ICC COVERAGE LIMITS ASSESSMENT FEDERAL 
TYPE FORM COVERED REQUIREMENTS COVERAGE COVERAGE POLICY FEE 

 CONDO 3 May 1, 2008 

RESIDENTIAL 
CONDOMINIUM 
BUILDING 
ASSOCIATION 
POLICY (RCBAP) 
RCBAP CONDOMINIUM 
ASSOCIATION AND 
INDIVIDUAL UNIT 
OWNERS 
CONDOMINIUM BUILDING 
INDIVIDUALLY OWNED BUILDING 
UNITS WITHIN THE BUILDING 
IMPROVEMENTS WITHIN UNIT 
ADDITIONS AND EXTENSIONS 
ATTACHED OR CONNECTED BY A 
COMMON WALL 
FIXTURES, MACHINERY AND 
EQUIPMENT WITHIN BUILDING 
MATERIALS AND SUPPLIES USED IN 
REPAIRING OR ALTERING THE 
BUILDING 
CONTENTS OWNED BY THE 
ASSOCIATION 
COMMUNITY MUST BE IN 
REGULAR PROGRAM 
RESIDENTIAL CONDO 
BUILDINGS WITH ONE OR 
MORE RESIDENTIAL UNITS 
AT LEAST 75% OF FLOOR 
AREA MUST BE RESIDENTIAL 
BUILDINGS INCLUDE 
TOWNHOUSES, 
ROWHOUSES, LOW-RISE, 
HIGH-RISE, AND SINGLE 
FAMILY CONDOMINIUM 
BUILDINGS 
YES YES MAXIMUM LIMITS: 
BUILDING 
REPLACEMENT COST, 
OR THE TOTAL 
NUMBER OF UNITS X 
$250,000, WHICHEVER 
IS LESS 
CONTENTS 
ACTUAL CASH VALUE 
(ACV) OF COMMONLY 
OWNED CONTENTS 
TO A MAXIMUM OF 
$100,000 PER 
BUILDING. 
NO # UNITS 
1  $35 
2-4  $70/POLICY 
5-10  $175/POLICY 
11-20  $385/POLICY 
21 +  $735/POLICY 
CONDOMINIUM 
ASSOCIATION 
POLICY (CAP) 
GENERAL 
PROPERTY 
FORM 
CONDOMINIUM 
ASSOCIATION AND 
INDIVIDUAL UNIT 
OWNERS 
SAME AS ABOVE RESIDENTIAL CONDOMINIUM 
BUILDINGS THAT ARE 
UNINSURABLE UNDER A 
RCBAP 
EMERGENCY AND REGULAR 
PROGRAMS ARE ELIGIBLE 
NO YES EMERGENCY PROG. 
(ACV MAXIMUM 
LIMITS): 
BUILDING $100,000 
CONTENTS $10,000 
REGULAR PROGRAM 
(ACV MAXIMUM 
LIMITS): 
BUILDING $250,000 
CONTENTS $100,000 
NO $35.00 
RESIDENTIAL UNIT 
OWNERS 
DWELLING 
FORM 
CONDOMINIUM 
ASSOCIATION 
AND/OR 
INDIVIDUAL UNIT 
OWNERS 
INDIVIDUALLY OWNED BUILDING 
ELEMENTS IN UNIT 
COMMON BUILDING ELEMENTS 
INDIVIDUALLY OWNED CONTENTS 
ALL RESIDENTIAL 
CONDOMINIUM UNITS 
EMERGENCY AND REGULAR 
PROGRAMS ARE ELIGIBLE 
YES1 NO EMERGENCY PROG. 
(MAXIMUM LIMITS): 
BUILDING $35,000 
CONTENTS $10,000 
REGULAR PROGRAM 
(MAXIMUM LIMITS): 
BUILDING $250,000 
CONTENTS $100,000 
YES2 $35.00 
NON RESIDENTIAL 
BUILDING & 
CONTENTS 
GENERAL 
PROPERTY 
FORM 
CONDOMINIUM 
ASSOCIATION AND 
INDIVIDUAL UNIT 
OWNERS 
NON-RESIDENTIAL COMMON 
BUILDING ELEMENTS AND THEIR 
CONTENTS 
CONTENTS OWNED BY ASSOCIATION 
NON-RESIDENTIAL CONDO UNITS 
BUILDING MUST BE NONRESIDENTIAL 
(COMMERCIAL) 
EMERGENCY AND REGULAR 
PROGRAMS ARE ELIGIBLE 
NO YES EMERGENCY PROG. 
(ACV MAXIMUM 
LIMITS): 
BUILDING $100,000 
CONTENTS $100,000 
REGULAR PROGRAM 
(ACV MAXIMUM 
LIMITS): 
BUILDING $500,000 
CONTENTS $500,000 
NO $35.00 
NON RESIDENTIAL 
UNIT OWNERS 
GENERAL 
PROPERTY 
FORM 
INDIVIDUAL UNIT 
OWNERS 
NON-RESIDENTIAL CONDO UNITS 
(ONLY CONTENTS ARE AVAILABLE) 
COMMERCIAL 
CONTENTS ONLY 
EMERGENCY AND REGULAR 
PROGRAMS ARE ELIGIBLE 
NO NO EMERGENCY PROG.: 
$100,000 MAXIMUM 
REGULAR PROGRAM: 
$500,000 MAXIMUM 
NO $35.00 

Footnote: These are basic guidelines for condominium associations and unit owners. Please refer to appropriate section of the Flood Insurance Manual for specific details. 

1Subject to replacement cost provisions in policy.

2ICC coverage does not apply to the Emergency Program, individually owned condominium units insured under Dwelling or General Property Forms, Contents-only Policies, and Group Flood Insurance Policies. 


TABLE 2. CONDOMINIUM RATING CHART 

LOW-RISE RESIDENTIAL CONDOMINIUMS 

SINGLE UNIT BUILDING OR TOWNHOUSE/ROWHOUSE TYPE.BUILDING WITH SEPARATE ENTRANCE FOR EACH UNIT 

 CONDO 4 May 1, 2008 

PURCHASER OF POLICY Building Occupancy1 Building 
Indicator1 
Contents 
Indicator2 
Limits of Coverage Type of 
Coverage 
Rate Table3 Policy Form4 
UNIT OWNER SINGLE FAMILY SINGLE UNIT HOUSEHOLD BUILDING.$250,000 
CONTENTS.$100,000 
RC5 SINGLE FAMILY DWELLING 
ASSOCIATION 
(SINGLE UNIT ONLY) SINGLE FAMILY SINGLE UNIT HOUSEHOLD BUILDING.$250,000 
CONTENTS.$100,000 
RC5 SINGLE FAMILY DWELLING 
ASSOCIATION 
(ENTIRE BUILDING) 
DETERMINED BY THE 
NUMBER OF UNITS , I.E., 
SINGLE FAMILY, 2-4 FAMILY, 
OTHER RESIDENTIAL 
LOW-RISE HOUSEHOLD BUILDING.THE TOTAL 
NUMBER OF UNITS X $250,000 
CONTENTS.$100,000 
RC RCBAP LOW-RISE RCBAP 

MULTI-UNIT BUILDING.2 TO 4 UNITS PER BUILDING.REGARDLESS OF NUMBER OF FLOORS (NON-TOWNHOUSE) 

PURCHASER OF POLICY Building Occupancy1 Building 
Indicator1 
Contents 
Indicator2 
Limits of Coverage Type of 
Coverage 
Rate Table3 Policy Form4 
UNIT OWNER 2-4 SINGLE UNIT HOUSEHOLD BUILDING.$250,000 
CONTENTS.$100,000 
RC5 SINGLE FAMILY FOR 
BUILDING; 2-4 
FAMILY FOR 
CONTENTS 
DWELLING 
ASSOCIATION 
(SINGLE UNIT ONLY) 
2-4 SINGLE UNIT HOUSEHOLD 
BUILDING.$250,000 
CONTENTS.$100,000 RC5 
SINGLE FAMILY FOR 
BUILDING; 2-4 
FAMILY FOR 
CONTENTS 
DWELLING 
ASSOCIATION 
(ENTIRE BUILDING) 
2-4 LOW-RISE HOUSEHOLD BUILDING.THE TOTAL 
NUMBER OF UNITS X $250,000 
CONTENTS.$100,000 
RC RCBAP LOW-RISE RCBAP 

MULTI-UNIT BUILDING.5 OR MORE UNITS PER BUILDING.LESS THAN THREE FLOORS 

PURCHASER OF POLICY Building Occupancy1 Building 
Indicator1 
Contents 
Indicator2 
Limits of Coverage Type of 
Coverage 
Rate Table3 Policy Form4 
UNIT OWNER OTHER RESIDENTIAL SINGLE UNIT HOUSEHOLD BUILDING.$250,000 
CONTENTS.$100,000 
RC5 SINGLE FAMILY 
FOR BUILDING; 
OTHER 
RESIDENTIAL FOR 
CONTENTS 
DWELLING 
ASSOCIATION 
(SINGLE UNIT ONLY) 
OTHER RESIDENTIAL SINGLE UNIT HOUSEHOLD BUILDING.$250,000 
CONTENTS.$100,000 
RC5 
SINGLE FAMILY 
FOR BUILDING; 
OTHER 
RESIDENTIAL FOR 
CONTENTS 
DWELLING 
ASSOCIATION 
(ENTIRE BUILDING) 
OTHER RESIDENTIAL LOW-RISE HOUSEHOLD BUILDING.THE TOTAL 
NUMBER OF UNITS X $250,000 
CONTENTS.$100,000 
RC RCBAP LOW-RISE RCBAP 

1When there is a mixture of residential and commercial usage within a single building, please refer to the GR Section of the Flood Insurance Manual. 

2In determining the contents indicator for other than household contents, please refer to the RATE Section of the Flood Insurance Manual. 

3All building rates are based on the lowest floor of the building. 

4RCBAP must be used to insure residential condominium buildings owned by the association that are in a Regular Program community and in which at least 75% of the total floor area within the building is 
residential. Use General Property Form if ineligible under RCBAP. 

5Replacement Cost if the RC eligibility requirements are met (building only). 


TABLE 2. CONDOMINIUM RATING CHART (Contd) 

HIGH-RISE RESIDENTIAL CONDOMINIUMS 

MULTI-UNIT BUILDING.5 OR MORE UNITS PER BUILDING.THREE OR MORE FLOORS6 

 CONDO 5 May 1, 2008 

PURCHASER OF POLICY Building Occupancy1 Building 
Indicator1 
Contents 
Indicator2 
Limits of Coverage Type of 
Coverage 
Rate Table3 Policy Form4 
UNIT OWNER OTHER RESIDENTIAL SINGLE UNIT HOUSEHOLD BUILDING.$250,000 
CONTENTS.$100,000 
RC5 SINGLE FAMILY FOR 
BUILDING; OTHER 
RESIDENTIAL FOR 
CONTENTS 
DWELLING 
ASSOCIATION 
(SINGLE UNIT ONLY) 
OTHER RESIDENTIAL SINGLE UNIT HOUSEHOLD BUILDING.$250,000 
CONTENTS.$100,000 
RC5 
SINGLE FAMILY FOR 
BUILDING; OTHER 
RESIDENTIAL FOR 
CONTENTS 
DWELLING 
ASSOCIATION 
(ENTIRE BUILDING) 
OTHER RESIDENTIAL HIGH-RISE HOUSEHOLD BUILDING.THE TOTAL 
NUMBER OF UNITS X $250,000 
CONTENTS.$100,000 
RC RCBAP HIGH-RISE RCBAP 

NON-RESIDENTIAL CONDOMINIUMS 


PURCHASER OF POLICY Building Occupancy1 Building 
Indicator1 
Contents 
Indicator2 
Limits of Coverage Type of 
Coverage 
Rate Table3 Policy Form4 
UNIT OWNER NON-RESIDENTIAL SINGLE UNIT 
(BUILDING 
COVERAGE NOT 
AVAILABLE) 
BUSINESS EMERGENCY.$100,000 
REGULAR.$500,000 
CONTENTS ONLY 
ACV NON-RESIDENTIAL GENERAL 
PROPERTY 
ASSOCIATION NON-RESIDENTIAL LOW-RISE BUSINESS BUILDING. 
EMERGENCY.$100,000 
REGULAR.$500,000 
ACV NON-RESIDENTIAL GENERAL 
PROPERTY 
CONTENTS. 
EMERGENCY.$100,000 
REGULAR.$500,000 

1When there is a mixture of residential and commercial usage within a single building, please refer to the GR Section of the Flood Insurance Manual. 

2In determining the contents indicator for other than household contents, please refer to the RATE Section of the Flood Insurance Manual. 

3All building rates are based on the lowest floor of the building. 

4RCBAP must be used to insure residential condominium buildings owned by the association that are in a Regular Program community and in which at least 75% of the total floor area within the building is 
residential. Use General Property Form if ineligible under RCBAP. 

5Replacement Cost if the RC eligibility requirements are met (building only). 

6Enclosure, even if it is the lowest floor for rating, cannot be counted as a floor for the purpose of classifying the building as a high rise.


RESIDENTIAL CONDOMINIUM BUILDING ASSOCIATION POLICY


II. POLICY FORM 
The policy form used for the residential 
condominium buildings owned by a condominium 
association is the Residential Condominium 
Building Association Policy (RCBAP). 

III. ELIGIBILITY REQUIREMENTS 
A. General Building Eligibility 
The RCBAP is required for all buildings owned by 
a condominium association containing one or 
more residential units and in which at least 75 
percent of the total floor area within the building is 
residential without regard to the number of units 
or number of floors. This will include 
townhouse/rowhouse and detached single family 
condominium buildings. The RCBAP is available 
for all high-rise and low-rise residential 
condominium buildings in the Regular Program 
only. 

Residential condominium buildings that are being 
used as a hotel or motel, or are being rented 
(either short- or long-term), must be insured on 
the RCBAP. 

Only buildings having a condominium form of 
ownership are eligible for the RCBAP. If the 
named insured is listed as other than a 
condominium association, the agent must provide 
legal documentation to confirm that the insured is 
a condominium association. Cooperative 
ownership buildings are not eligible. Timeshare 
buildings having condominium form of ownership 
in jurisdictions where title is vested in individual 
unit owners are eligible provided all other criteria 
are met. 

If, during a policy term, the risk fails to meet the 
eligibility requirements, it will be ineligible for 
renewal as an RCBAP. 

The NFIP has grouped condominium buildings 
into two different types, low- and high-rise, 
because of the difference in the exposures to the 
risk that typically exists. Low-rise buildings 
generally have a greater percentage of the value 
of the building at risk than high-rise buildings, 
thus requiring higher premiums for the first dollars 
of coverage. The availability of the optional 
deductibles for the low-rise buildings, however, 
allows the association to buy back some of the 
risk, thereby reducing the overall cost of the 
coverage. 

For rating purposes: 

 High-rise buildings contain five or more units 
and at least three floors excluding enclosure, 
even if it is the lowest floor for rating. 
 Low-rise buildings have less than five units 
regardless of the number of floors, or five or 
more units with less than three floors, 
including the basement. 
 Townhouse/rowhouse buildings are always 
considered as low-rise buildings for rating 
purposes, no matter how many units or floors 
they have. 
See the Definitions section for a complete 
definition of high-rise and low-rise buildings. 

The individual unit owners continue to have an 
option to purchase an SFIP Dwelling Form. 

B. Condominium Building in the Course of 
Construction 
The NFIP rules allow the issuance of an SFIP to 
cover a building in the course of construction 
before the building is walled and roofed. These 
rules provide lenders an option to require flood 
insurance coverage at the time that the 
development loan is made to comply with the 
mandatory purchase requirement outlined in the 
Flood Disaster Protection Act of 1973, as 
amended. The policy is issued and rated based 
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, 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. 

As noted on page GR 4, buildings in the course of 
construction that have yet to be walled and roofed 
are eligible for coverage except when construction 
has been halted for more than 90 days and/or if 
the lowest floor used for rating purposes is below 
the Base Flood Elevation (BFE). Materials or 
supplies intended for use in such construction, 
alteration, or repair are not insurable unless they 
are contained within an enclosed building on the 
premises or adjacent to the premises. 

IV. COVERAGE 
A. Property Covered 
The entire building is covered under one policy, 
including both the common as well as individually 
owned building elements within the units, 

CONDO 6 May 1, 2008 


improvements within the units, and contents 
owned in common. Contents owned by individual 
unit owners should be insured under an individual 
unit owner's Dwelling Form. 

B. Coverage Limits 
Building coverage purchased under the RCBAP 
will be on a Replacement Cost basis. 

The maximum amount of building coverage that 
can be purchased on a high-rise or low-rise 
condominium is the Replacement Cost Value of 
the building or the total number of units in the 
condominium building times $250,000, whichever 
is less. 

The maximum allowable contents coverage is the 
Actual Cash Value of the commonly owned 
contents up to a maximum of $100,000 per 
building. 

Basic Limit Amount: 

 The building basic limit amount of insurance 
for a detached building housing a single 
family unit owned by the condominium 
association is $50,000. 
 For residential townhouse/rowhouse and low-
rise condominiums, the building basic limit 
amount of insurance is $50,000 multiplied by 
the number of units in the building. 
 For high-rise condominiums, the building 
basic amount of insurance is $150,000. 
 The contents basic limit amount of insurance 
is $20,000. 
 For condominium unit owners who have 
insured their personal property under the 
Dwelling Form or General Property Form, 
coverage extends to interior walls, floor, and 
ceiling (if not covered under the condominium 
associations insurance) up to 10 percent of 
the personal property limit of liability. Use of 
this coverage is at the option of the insured 
and reduces the personal property limit of 
liability. 
C. Replacement Cost 
As stated above in B. Coverage Limits, the 
RCBAPs building coverage is on a Replacement 
Cost valuation basis. Replacement Cost Value 
means the cost to replace property with the same 
kind of material and construction without 
deduction for depreciation. A condominium unit 
owners Dwelling Form policy provides 
Replacement Cost coverage on the building if 
eligibility requirements are met. 

D. Coinsurance 
The RCBAPs 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 percent or more 
of the full replacement cost of the building at the 
time of loss or the maximum amount of insurance 
under the NFIP, the insured will not be 
reimbursed fully for a loss. Building coverage 
purchased under individual Dwelling Forms 
cannot be added to RCBAP coverage in order to 
avoid the coinsurance penalty. The amount of 
loss in this case will be determined by using the 
following formula: 

Insurance Carried X Amount of Loss = Limit of Recovery 
Insurance Required 

Where the penalty applies, building loss under the 
RCBAP will be adjusted based on the 
Replacement Cost Coverage with a coinsurance 
penalty. Building loss under the Dwelling Form will 
be adjusted on an Actual Cash Value (ACV) basis 
if the Replacement Cost provision is not met. The 
cost of bringing the building into compliance with 
local codes (law and ordinance) is not included in 
the calculation of replacement cost. 

E. Assessment Coverage 
The RCBAP does not provide assessment coverage. 

Assessment coverage is available only under the 
Dwelling Form subject to the conditions and 
exclusions found in Section III. Property Covered, 
Coverage C, paragraph 3  Condominium Loss 
Assessments. The Dwelling Form will respond, up 
to the building coverage limit, to assessments 
against unit owners for damages to common 
areas of any building owned by the condominium 
association, even if the building is not insured, 
provided that: (1) each of the unit owners 
comprising the membership of the association is 
assessed by reason of the same cause; and (2) 
the assessment arises out of a direct physical loss 
by or from flood to the condominium building at 
the time of the loss. Assessment coverage has a 
maximum combined total limit of $250,000 times 
the number of units. This combined total limit 
covers loss to the unit and any assessment by the 
association. 

Assessment coverage cannot be used to meet the 
80-percent coinsurance provision of the RCBAP, 
and does not apply to ICC coverage or to 
coverage for closed basin lakes. 

For more information on this topic, see E. Loss 
Assessments on page GR 11 and Section III. 

C.3. of the Dwelling Form, Condominium Loss 
Assessments, on page POL 8. 
CONDO 7 May 1, 2008 


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 $1,000 for a residential 
condominium building, located in a Regular Program 
Community in Special Flood Hazard Areas, i.e., 
Zones A, AO, AH, A1-A30, AE, AR, AR dual zones 
(AR/AE, AR/AH, AR/AO, AR/A1-A30, AR/A), V, 
V1-V30, or VE, where the rates available for 
buildings built before the effective date of the 
initial Flood Insurance Rate Map (FIRM), Pre-
FIRM rates, are used to compute the premium. 

For all policies rated other than those described 
above, e.g., those rated as Post-FIRM and those 
rated in Zones A99, B, C, D, or X, the Standard 
Deductible is $500. 

Optional deductible amounts are available under 
the RCBAP. 

B. Federal Policy Fee 
The Federal Policy Fees for the RCBAP are: 

 1 unit -$ 35.00 per policy 

 2-4 units -$ 70.00 per policy 

 5-10 units -$ 175.00 per policy 

 11-20 units -$ 385.00 per policy 

21 or more -$ 735.00 per policy 

VI. TENTATIVE RATES AND SCHEDULED 
BUILDINGS 
Tentative Rates cannot be applied to the RCBAP. 
The Scheduled Building Policy is not available for 
the RCBAP. 

VII. COMMISSIONS (DIRECT BUSINESS ONLY) 
The commission, 15 percent, will be reduced to 5 
percent on only that portion of the premium that 
exceeds the figure resulting from multiplying the 
total number of units times $2,000. 

VIII. CANCELLATION OR ENDORSEMENT 
OF UNIT OWNERS' DWELLING POLICIES 
Unit owners Dwelling Policies may be cancelled 
mid-term for the reasons mentioned in the 
Cancellation/Nullification section of the manual. 
To cancel building coverage while retaining 
contents coverage on a unit owner's policy, 
submit a General Change Endorsement form. In 
the event of a cancellation: 

 The commission on a unit owner's policy will 
be retained, in full, by the producer, 
 The Federal Policy Fee and Probation Surcharge 
will be refunded on a pro rata basis, and 
 The premium refund will be calculated on a 
pro rata basis. 
An existing Dwelling Policy or RCBAP may be 
endorsed to increase amounts of coverage in 
accordance with Endorsement rules. They may 
not be endorsed mid-term to reduce coverage. 

IX. APPLICATION FORM 
The producer should complete the entire Flood 
Insurance Application according to the directions 
in the Application section of this manual and 
attach two new photographs of the building, one 
of which clearly shows the location of the lowest 
floor used for rating the risk. 

A. Type of Building 
For an RCBAP, the Building section of the Flood 
Insurance Application must indicate the total 
number of units in the building and whether the 
building is a high rise or low rise. 

High-rise (vertical) condominium buildings are 
defined as containing at least five units, and 
having at least three floors. Note that an 
enclosure below an elevated floor building, even if 
it is the lowest floor for rating purposes, cannot be 
counted as a floor to classify the building as a 
high-rise condominium building. 

Low-rise condominium buildings are defined as 
having less than five units and/or less than three 
floors. In addition, low-rise also includes all 
townhouses/rowhouses regardless of the number 
of floors or units, and all detached single family 
buildings. 

For a Dwelling Form used to insure a 
condominium unit, or for a Condominium 
Association Policy, see the Application section of 
this manual. 

B. Replacement Cost Value 
For an RCBAP, use normal company practice to 
estimate the Replacement Cost Value (RCV) and 
enter the value in the Building section of the 
Application. Include the cost of the building 
foundation when determining the RCV. Attach the 
appropriate valuation to the Application. 

Acceptable documentation of a building's RCV is 
a recent property inspection report that states the 
building's value on an RCV basis. The cost of the 
building's foundation must be included in 
determining the RCV. 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 

CONDO 8 May 1, 2008 


reasonable accuracy of the RCV for the building, 
the agent must update this information at least 
every 3 years. 

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 $150,000. 

The building Basic Limit amount of 
insurance for low-rise condominium 
buildings is $50,000 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 nonresidential) in the 
building. 

2. Contents 
Since the Program type must be Regular, 
enter the amount of insurance for contents, 
Basic and Additional Limits. Enter full Basic 

Limits before any Additional Limits. 
Contents coverage is only for those 
contents items that are commonly owned. 
For the Basic Limits amount of insurance, 
up to a maximum of $20,000 may be filled 
in. For the Additional Limits, up to a total of 
$80,000 may be filled in. The total amount 
of insurance available for contents coverage 
cannot exceed $100,000. 

D. Rates and Fees 
1. To determine rates, see the RCBAP Rate 
Tables on the following pages. Enter the 
rate for building and for contents and 
compute the annual premium. If an optional 
deductible has been selected for building 
and/or contents, see page CONDO 22. 
2. Enter the total premium for building and 
contents, adjusted for any premium change 
because of an optional deductible being 
selected. The total premium will be 
calculated as if the building were one unit. 
3. Add the total premium for building and 
contents and enter the Annual Subtotal. 
4. Add the ICC premium. 
5. Calculate the CRS discount, if applicable. 
6. Subtract the CRS discount, if applicable. 
7. Add the $50.00 Probation Surcharge, if 
applicable. 
8. Add the Federal Policy Fee to determine 
the Total Prepaid Amount. 
CONDO 9 May 1, 2008 


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/.19 1.08/.46 1.06/.05 1.06/.05 1.16/.24 
With Basement .90/.27 1.15/.99 1.29/.07 1.29/.07 SUBMIT FOR 
RATEWith Enclosure .90/.19 1.15/.48 1.12/.05 1.12/.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 and above .96/.81 1.23/2.04 1.53/.56 1.53/.56 SUBMIT FOR 
RATEEnclosure and above .96/.97 1.23/2.43 1.53/.65 1.53/.65 
Lowest floor only- 
above ground level .96/.97 1.23/2.43 1.20/.59 1.20/.59 1.11/.70 
Lowest floor 
above ground level 
and higher floors .96/.67 1.23/2.13 1.20./.34 1.20/.34 1.11/.48 
Above ground level 
more than 1 full floor .35/.12 .47/.29 .35/.12 .35/.12 .35/.12 

BUILDINGA1-A30, AE  POST-FIRM 


ELEVATION 
3 OR MORE FLOORS 
NO BASEMENT/ENCLOSURE 
3 OR MORE FLOORS 
WITH BASEMENT/ENCLOSURE 
+4 .33/.03 .33/.03 
+3 .35/.03 .34/.03 
+2 .40/.03 .36/.03 
+1 .72/.04 .53/.04 
0 1.28/.05 1.15/.05 
-12 5.26/.15 2.98/.12 
-2 S U B M I T F O R R A T E 

CONTENTSA1-A30, AE  POST-FIRM 


ELEVATION 
LOWEST FLOOR 
ONLY- ABOVE GROUND 
LEVEL (NO BSMNT./ENCL.) 
LOWEST FLOOR 
ABOVE GROUND LEVEL 
AND HIGHER 
(NO BSMNT./ENCL.) 
BASEMENT/ 
ENCLOSURE 
AND ABOVE 
ABOVE GROUND 
LEVEL - MORE THAN 
ONE FULL FLOOR 
+4 .38/.12 .38/.12 .38/.12 .35/.12 
+3 .38/.12 .38/.12 .38/.12 .35/.12 
+2 .38/.12 .38/.12 .38/.12 .35/.12 
+1 .52/.12 .38/.12 .38/.12 .35/.12 
0 1.24/.12 .69/.12 .41/.12 .35/.12 
-12 3.74/.75 2.11/.58 .60/.14 .35/.12 
-2 S U B M I T F O R R A T E .35/.12 

1Start of construction or substantial improvement on or before 12/31/74, or before the effective date of the initial Flood Insurance 
Rate Map (FIRM). If FIRM Zone is unknown, use rates for Zones A, AE, AO, AH, D. 

2Use Submit-for-Rate guidelines if either the enclosure below the lowest elevated floor of an elevated building or the crawl space 
(under-floor space) that has its interior floor within 2 feet below grade on all sides, which is used for rating, is 1 or more feet below 
BFE. 

CONDO 10 May 1, 2008 


TABLE 3B. RCBAP HIGH-RISE CONDOMINIUM RATES 
ANNUAL RATES PER $100 OF COVERAGE 
(Basic/Additional) 


AO, AH POST-FIRM NO BASEMENT/ENCLOSURE BUILDINGS1 

BUILDING CONTENTS 
WITH CERTIFICATION OF COMPLIANCE2 .44/.04 .38/.13 
WITHOUT CERTIFICATION OF COMPLIANCE 
OR WITHOUT ELEVATION CERTIFICATE3 .99/.08 1.18/.24 

POST-FIRM 
UNNUMBERED A-ZONE - WITHOUT BASEMENT/ENCLOSURE1


ELEVATION DIFFERENCE TO 
NEAREST FOOT BUILDING CONTENTS4 TYPE OF ELEVATION CERTIFICATE 
+5 OR MORE .81/.05 .62/.12 
NO ESTIMATED 
BASE FLOOD ELEVATION5 +2 TO +4 1.41/.06 .87/.17 
+1 2.31/.14 1.54/.57 
0 OR BELOW *** *** 
+2 OR MORE .70/.04 .51/.12 
WITH ESTIMATED 
BASE FLOOD ELEVATION6 0 TO +1 1.24/.06 .85/.16 
-1 5.19/.17 2.46/.74 
-2 OR BELOW *** *** 
NO ELEVATION CERTIFICATE 6.60/1.27 3.36/1.00 NO ELEVATION CERTIFICATE 

1Zones A, AO, or AH buildings with basement/enclosure--Submit for Rating. 
2With Certification of Compliance rates are to be used when the Elevation Certificate shows that the 
lowest floor elevation is equal to or greater than the communitys elevation requirement. 

3Without Certification of Compliance rates are to be used only on Post-FIRM structures without an 
Elevation Certificate or when the Elevation Certificate shows that the lowest floor elevation of a Post-
FIRM structure is less than the communitys elevation requirement. 

4For elevation rated policies, when contents are located one floor or more above lowest floor used for 
rating, use .35/.12.5NO ESTIMATED BASE FLOOD ELEVATION: Elevation difference is the measured distance 
between the lowest floor of the building and the highest adjacent grade next to the building. 

6WITH ESTIMATED BASE FLOOD ELEVATION: Elevation difference is the measured distance
between the lowest floor of the building and the estimated BFE provided by the community or 
registered professional engineer, surveyor, or architect. 


***SUBMIT FOR RATING. 

 CONDO 11 May 1, 2008 


TABLE 3C. RCBAP HIGH-RISE CONDOMINIUM RATES 
ANNUAL RATES PER $100 OF COVERAGE 
(Basic/Additional)


AR AND AR DUAL ZONES 

BUILDING 

PRE-FIRM1,2 AND POST-FIRM3 NOT ELEVATION-RATED 

BUILDING 
TYPE RATES 
No Basement/Enclosure 1.06/.05 
With Basement 1.29/.07 
With Enclosure 1.12/.05 

CONTENTS

 PRE-FIRM1,2 AND POST-FIRM3 NOT ELEVATION-RATED 

CONTENTS 
LOCATION RATES 
Basement and above 1.53/.56 
Enclosure and above 1.53/.65 
Lowest floor only- 
above ground level 1.20/.59 
Lowest floor 
above ground level 
and higher floors 1.20/.34 
Above ground level 
more than 1 full floor .35/.12 

BUILDING
PRE-FIRM AND POST-FIRM ELEVATION-RATED


ELEVATION 
3 OR MORE FLOORS 
NO BASEMENT/ENCLOSURE 
3 OR MORE FLOORS 
WITH BASEMENT/ENCLOSURE 
+4 .33/.03 .33/.03 
+3 .35/.03 .34/.03 
+2 .40/.03 .36/.03 
+1 .72/.04 .53/.04 
0 1.06/.05 1.15/.05 
-14 See Footnote 

CONTENTS
PRE-FIRM AND POST-FIRM ELEVATION-RATED


ELEVATION 
LOWEST FLOOR 
ONLY- ABOVE GROUND 
LEVEL (NO BSMNT./ENCL.) 
LOWEST FLOOR 
ABOVE GROUND LEVEL 
AND HIGHER 
(NO BSMNT./ENCL.) 
BASEMENT/ 
ENCLOSURE 
AND ABOVE 
ABOVE GROUND 
LEVEL - MORE THAN 
ONE FULL FLOOR 
+4 .38/.12 .38/.12 .38/.12 .35/.12 
+3 .38/.12 .38/.12 .38/.12 .35/.12 
+2 .38/.12 .38/.12 .38/.12 .35/.12 
+1 .52/.12 .38/.12 .38/.12 .35/.12 
0 1.24/.12 .69/.12 .41/.12 .35/.12 
-14 See Footnote 

1Start of construction or substantial improvement on or before 12/31/74, or before the effective date of the initial Flood 
Insurance Rate Map (FIRM). 

2Base deductible is $1,000. 

3Base deductible is $500. 

4Use Pre-FIRM Not Elevation-Rated AR and AR Dual Zones Rate Table above. 

CONDO 12 October 1, 2008 


TABLE 3D. RCBAP HIGH-RISE CONDOMINIUM RATES 
ANNUAL RATES PER $100 OF COVERAGE 
(Basic/Additional)


REGULAR PROGRAM -- 1975-19811 -- POST-FIRM CONSTRUCTION2 

FIRM ZONES V1-V30, VE -- BUILDING RATES 

ELEVATION OF LOWEST 
FLOOR ABOVE OR BELOW 
BFE 
BUILDING TYPE 
3 OR MORE FLOORS 
NO BASEMENT/ENCLOSURE 
3 OR MORE FLOORS 
WITH BASEMENT/ENCLOSURE 
03 2.70/.14 2.57/.14 
-14 7.87/.56 4.14/.42 
-2 *** *** 

1975-1981 POST-FIRM CONSTRUCTION 
FIRM ZONES V1-V30, VE--CONTENTS RATES 


ELEVATION 
OF LOWEST 
FLOOR 
ABOVE OR 
BELOW BFE 
CONTENTS LOCATION 
LOWEST FLOOR 
ONLY-ABOVE 
GROUND LEVEL 
(NO BASEMENT/ 
ENCLOSURE) 
LOWEST FLOOR 
ABOVE GROUND LEVEL 
AND HIGHER FLOORS (NO 
BASEMENT/ENCLOSURE) 
BASEMENT/ 
ENCLOSURE 
AND ABOVE 
ABOVE GROUND 
LEVEL-MORE 
THAN ONE 
FULL FLOOR 
03 3.96/.56 2.62/.62 1.47/.68 .55/.25 
-14 8.81/4.27 5.20/3.30 1.73/.68 .55/.25 
-2 *** *** *** *** 

1Policies for 1975 through 1981 Post-FIRM and Pre-FIRM buildings in Zones VE and V1-V30 will be 
allowed to use the Post-81 V Zone rate table if the rates are more favorable to the insured. See 
instructions on page RATE 23 for V Zone Optional Rating. 

2For 1981 Post-FIRM construction rating, refer to pages CONDO 19-20. 

3These rates are to be used if the lowest floor of the building is at or above the BFE. 

4Use Submit-for-Rate guidelines if the enclosure below the lowest floor of an elevated building, which is 
used for rating, is 1 or more feet below BFE. 

***SUBMIT FOR RATING. 

REGULAR PROGRAM 1975-1981 POST-FIRM CONSTRUCTION1
UNNUMBERED V ZONE--ELEVATED BUILDINGS 


SUBMIT FOR RATING 


 CONDO 13 May 1, 2008 


TABLE 4A. RCBAP LOW-RISE CONDOMINIUM RATES 
(Including Townhouse/Rowhouse) 
ANNUAL RATES PER $100 OF COVERAGE 
(Basic/Additional)


REGULAR PROGRAM -- PRE-FIRM CONSTRUCTION RATES 1 

F I R M Z O N E S: A, A1-A30, AE, AO, AH, 
D V, VE A99, B, C, X 
BUILDING CONTENTS BUILDING CONTENTS BUILDING CONTENTS 
BUILDING 
TYPE 
NO BASEMENT/ENCLOSURE .70/.52 .96/.97 .93/1.27 1.23/2.34 .74/.21 1.20/.37 
WITH BASEMENT .75/.64 .96/.81 1.00/2.21 1.23/2.20 .81/.30 1.36/.46 
WITH ENCLOSURE .75/.75 .96/.84 1.00/2.40 1.23/2.39 .81/.34 1.36/.54 

REGULAR PROGRAM -- POST-FIRM CONSTRUCTION RATES


F I R M Z O N E S: A99, B, C, X D 
BUILDING CONTENTS BUILDING CONTENTS 
BUILDING 
TYPE 
NO BASEMENT/ENCLOSURE .74/.21 1.20/.37 1.03/.39 1.11/.70 
WITH BASEMENT .81/.30 1.36/.46 *** *** 
WITH ENCLOSURE .81/.34 1.36/.54 
F I R M Z O N E S: AO, AH (NO BASEMENT/ENCLOSURE BUILDINGS ONLY)2 
BUILDING CONTENTS 
WITH CERTIFICATION OF COMPLIANCE3 .21/.08 .38/.13 
WITHOUT CERTIFICATION OF COMPLIANCE 
OR WITHOUT ELEVATION CERTIFICATE4 
.86/.21 1.18/.24 

1Start of construction or substantial improvement on or before 12/31/74, or before the effective date of the initial Flood 
Insurance Rate Map (FIRM). If FIRM Zone is unknown, use rates for Zones A, AE, AO, AH, D. 
2Zones AO, AH BUILDINGS WITH BASEMENT: Submit for Rating. 
3With Certification of Compliance rates are to be used when the Elevation Certificate shows that the lowest floor 
elevation is equal to or greater than the communitys elevation requirement. 

4Without Certification of Compliance rates are to be used only on Post-FIRM structures without an Elevation 
Certificate or when the Elevation Certificate shows that the lowest floor elevation of a Post-FIRM structure is less 
than the communitys elevation requirement. 

***SUBMIT FOR RATING. 

 CONDO 14 May 1, 2008 


TABLE 4B. RCBAP LOW-RISE CONDOMINIUM RATES 
(Including Townhouse/Rowhouse) 
ANNUAL RATES PER $100 OF COVERAGE 
(Basic/Additional)


REGULAR PROGRAM -- POST-FIRM CONSTRUCTION 

FIRM ZONES A1-A30, AE -- BUILDING RATES 

ELEVATION OF 
LOWEST FLOOR 
ABOVE OR BELOW 
BFE1 
BUILDING TYPE 
ONE FLOOR 
NO BASEMENT/ENCLOSURE 
MORE THAN ONE FLOOR 
NO BASEMENT/ENCLOSURE 
MORE THAN ONE FLOOR 
WITH BASEMENT/ENCLOSURE 
+4 .18/.08 .18/.08 .18/.08 
+3 .18/.08 .18/.08 .18/.08 
+2 .27/.08 .18/.08 .18/.08 
+1 .49/.08 .28/.08 .23/.08 
0 1.08/.09 .71/.09 .55/.09 
-12 2.88/.84 2.15/.77 1.25/.52 
-2 *** *** *** 

FIRM ZONES A1-A30, AE -- CONTENTS RATES


ELEVATION OF 
LOWEST FLOOR 
ABOVE OR BELOW 
BFE1 
CONTENTS LOCATION 
LOWEST FLOOR ONLY -
ABOVE GROUND LEVEL 
(NO 
BASEMENT/ENCLOSURE) 
LOWEST FLOOR 
ABOVE GROUND LEVEL AND 
HIGHER FLOORS 
(NO BASEMENT/ENCLOSURE) 
BASEMENT/ENCLOSURE 
AND ABOVE 
ABOVE GROUND LEVEL-
MORE THAN ONE FULL 
FLOOR 
+4 .38/.12 .38/.12 .38/.12 .35/.12 
+3 .38/.12 .38/.12 .38/.12 .35/.12 
+2 .38/.12 .38/.12 .38/.12 .35/.12 
+1 .52/.12 .38/.12 .38/.12 .35/.12 
0 1.24/.12 .69/.12 .41/.12 .35/.12 
-12 3.74/.75 2.11/.58 .60/.14 .35/.12 
-2 *** *** *** .35/.12 

1If LF is -1 because of attached garage, submit application for special consideration; rate may be lower. 

2Use Submit-for-Rate guidelines if the enclosure below the lowest floor of an elevated building or if the 
crawl space (under-floor space) that has its interior floor within 2 feet below grade on all sides, which is 
used for rating, is 1 or more feet below BFE. 

***SUBMIT FOR RATING. 

 CONDO 15 May 1, 2008 


TABLE 4C. RCBAP LOW-RISE CONDOMINIUM RATES 
(Including Townhouse/Rowhouse) 
ANNUAL RATES PER $100 OF COVERAGE 
(Basic/Additional)


UNNUMBERED ZONE A - WITHOUT BASEMENT/ENCLOSURE1 

ELEVATION DIFFERENCE TO 
NEAREST FOOT BUILDING CONTENTS2 TYPE OF ELEVATION CERTIFICATE 
+5 OR MORE .33/.11 .62/.12 
NO ESTIMATED 
BASE FLOOD ELEVATION3 
+2 TO +4 .90/.13 .87/.17 
+1 1.86/.67 1.54/.57 
0 OR BELOW *** *** 
+2 OR MORE .31/.08 .51/.12 
WITH ESTIMATED 
BASE FLOOD ELEVATION4 
0 TO +1 .71/.11 .85/.16 
-1 2.66/.84 2.46/.74 
-2 OR BELOW *** *** 
NO ELEVATION CERTIFICATE5 3.37/1.45 3.36/1.00 NO ELEVATION CERTIFICATE 

1Zone A building with basement (including crawl space below grade on all sides) or enclosure--Submit for 
Rating.
2For elevation rated policies, when contents are located one floor or more above lowest floor used for 

rating, use .35/.12.3NO ESTIMATED BASE FLOOD ELEVATION: Elevation difference is the measured distance between 
the lowest floor of the building and the highest adjacent grade next to the building. 

4WITH ESTIMATED BASE FLOOD ELEVATION: Elevation difference is the measured distance between 
the lowest floor of the building and the estimated BFE provided by the community or registered 
professional engineer, surveyor, or architect. 

5For building without basement or enclosure, Elevation Certificate is optional. 
***SUBMIT FOR RATING. 

 CONDO 16 May 1, 2008 


TABLE 4D. RCBAP LOW-RISE CONDOMINIUM RATES 
(Including Townhouse/Rowhouse) 
ANNUAL RATES PER $100 OF COVERAGE 
(Basic/Additional)


AR AND AR DUAL ZONES 


REGULAR PROGRAM  PRE-FIRM1,2 AND 
POST-FIRM3 NOT ELEVATION-RATED RATES 


BUILDING TYPE BUILDING CONTENTS 
NO BASEMENT .74/.21 1.20/.37 
WITH BASEMENT .81/.30 1.36/.46 
WITH ENCLOSURE .81/.34 1.36/.54 

REGULAR PROGRAM  PRE-FIRM AND POST-FIRM ELEVATION-RATED RATES
BUILDING RATES


ELEVATION OF LOWEST 
FLOOR ABOVE OR 
BELOW BFE 
BUILDING TYPE 
ONE FLOOR 
NO BASEMENT/ENCLOSURE 
MORE THAN ONE FLOOR 
NO BASEMENT/ENCLOSURE 
MORE THAN ONE FLOOR 
WITH BASEMENT/ENCLOSURE 
+4 .18/.08 .18/.08 .18/.08 
+3 .18/.08 .18/.08 .18/.08 
+2 .27/.08 .18/.08 .18/.08 
+1 .49/.08 .28/.08 .23/.08 
0 .74/.21 .71/.09 .55/.09 
-14 See Footnote 

CONTENTS RATES


ELEVATION OF LOWEST 
FLOOR ABOVE OR 
BELOW BFE 
CONTENTS LOCATION 
LOWEST FLOOR ONLY -
ABOVE GROUND LEVEL 
(NO 
BASEMENT/ENCLOSURE) 
LOWEST FLOOR 
ABOVE GROUND LEVEL AND 
HIGHER FLOORS 
(NO BASEMENT/ENCLOSURE) 
BASEMENT/ENCLOSURE 
AND ABOVE 
ABOVE GROUND LEVEL-
MORE THAN ONE FULL 
FLOOR 
+4 .38/.12 .38/.12 .38/.12 .35/.12 
+3 .38/.12 .38/.12 .38/.12 .35/.12 
+2 .38/.12 .38/.12 .38/.12 .35/.12 
+1 .52/.12 .38/.12 .38/.12 .35/.12 
0 1.24/.12 .69/.12 .41/.12 .35/.12 
-14 See Footnote 

1Start of construction or substantial improvement on or before 12/31/74, or before the effective date of the initial Flood 
Insurance Rate Map (FIRM). 

2Base deductible is $1,000. 

3Base deductible is $500. 

4Use Pre-FIRM Not Elevation-Rated AR and AR Dual Zones Rate Table above. 

CONDO 17 October 1, 2008 


TABLE 4E. RCBAP LOW-RISE CONDOMINIUM RATES 
(Including Townhouse/Rowhouse) 
ANNUAL RATES PER $100 OF COVERAGE 
(Basic/Additional)


REGULAR PROGRAM -- 1975-19811 -- POST-FIRM CONSTRUCTION2
FIRM ZONES V1-V30, VE -- BUILDING RATES 


ELEVATION OF LOWEST 
FLOOR ABOVE OR 
BELOW BFE 
BUILDING TYPE 
ONE FLOOR 
NO BASEMENT/ENCLOSURE 
MORE THAN ONE FLOOR 
NO BASEMENT/ENCLOSURE 
MORE THAN ONE FLOOR 
WITH BASEMENT/ENCLOSURE 
03 2.43/.45 1.97/.45 1.68/.45 
-14 5.31/2.77 4.86/2.77 3.47/2.51 
-2 *** *** *** 

REGULAR PROGRAM -- 1975-19811 -- POST-FIRM CONSTRUCTION2
FIRM ZONES V1-V30, VE -- CONTENTS RATES 


ELEVATION OF LOWEST 
FLOOR ABOVE OR 
BELOW BFE 
CONTENTS LOCATION 
LOWEST FLOOR ONLY -
ABOVE GROUND LEVEL 
(NO BASEMENT/ENCLOSURE) 
LOWEST FLOOR ABOVE GROUND 
LEVEL AND HIGHER FLOORS 
(NO BASEMENT/ENCLOSURE) 
BASEMENT/ENCLOSURE 
AND ABOVE 
ABOVE GROUND 
LEVEL - MORE THAN 
ONE FULL FLOOR 
03 4.00/.56 2.62/.62 1.47/.68 .55/.25 
-14 8.81/4.27 5.20/3.30 1.73/.68 .55/.25 
-2 *** *** *** .55/.25 

REGULAR PROGRAM -- 1975-1981 -- POST-FIRM CONSTRUCTION2
UNNUMBERED V ZONE -- ELEVATED BUILDINGS 


SUBMIT FOR RATING 


1Policies for 1975 through 1981 Post-FIRM and Pre-FIRM buildings in Zones VE and V1-V30 will be allowed to use the Post- 81 V Zone 
rate table if the rates are more favorable to the insured. See instructions on page RATE 23 for V Zone Optional Rating. 
2For 1981 Post-FIRM construction rating, refer to pages CONDO 19 and 20. 
3These rates are to be used if the lowest floor of the building is at or above the BFE. 
4Use Submit-for-Rate guidelines if the enclosure below the lowest floor of an elevated building, which is used for rating, is 1 or more feet 
below BFE. 
***SUBMIT FOR RATING. 

 CONDO 18 May 1, 2008 


TABLE 5A. RCBAP HIGH-RISE AND LOW-RISE CONDOMINIUM RATES 
(Including Townhouse/Rowhouse) 
ANNUAL RATES PER $100 OF COVERAGE 


1981 POST-FIRM V1-V30, VE ZONE RATES1 

Elevated Buildings Free of Obstruction2 Below the 
Beam Supporting the Buildings Lowest Floor 


Elevation of the bottom of 
the floor beam of the 
lowest floor above or 
below Base Flood 
Elevation adjusted for 
wave height at building 
site3 
Building 
Rate 
Contents 
Rate 
+4 or more .61 .50 
+3 .74 .51 
+2 .97 .69 
+1 1.41 1.11 
0 1.80 1.66 
- 1 2.39 2.30 
- 2 3.14 3.14 
- 3 4.04 4.25 
- 4 or lower *** *** 

Rates above are only for elevated buildings. Use Specific Rating Guidelines 
for non-elevated buildings. 

1Policies for 1975 through 1981 Post-FIRM and Pre-FIRM buildings in Zones VE and V1-V30 will be allowed to use 
the Post-81 V Zone rate table if the rates are more favorable to the insured. See instructions on page RATE 23 for 
V Zone Optional Rating. 

2Free of Obstruction.The space below the lowest elevated floor must be completely free of obstructions or any 
attachment to the building, or may have: 


(1) Insect screening, provided that no additional supports are required for the screening; or 
(2) Wooden or plastic lattice with at least 40 percent of its area open and made of material no thicker than  inch; or 
(3) Wooden or plastic slats or shutters with at least 40 percent of their area open and made of material no thicker 
than 1 inch. 
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. 

3Wave height adjustment is not required in those cases where the Flood Insurance Rate Map indicates that the map
includes wave height. 


***SUBMIT FOR RATING. Include a copy of the variance, a recent photograph and blueprints (including a site 
grading plan if ocean front) with the Application, and a post-construction (or pre-construction if builders risk) 
Elevation Certificate. Do not submit any premium with the application. No applicant for insurance on Post-FIRM 
construction or substantial improvement for which asterisks are shown (there is no risk premium rate) in the Flood 
Insurance Manual can obtain flood coverage until FEMA has approved the Application and established the risk 
premium for the building. 

 CONDO 19 May 1, 2008 


TABLE 5B. RCBAP HIGH-RISE AND LOW-RISE CONDOMINIUM RATES 
(Including Townhouse/Rowhouse) 
ANNUAL RATES PER $100 OF COVERAGE 


1981 POST-FIRM V1-V30, VE ZONE RATES1,2 

Elevated Buildings With Obstruction3 Below the 
Beam Supporting the Buildings Lowest Floor 


Elevation of the bottom of 
the floor beam of the 
lowest floor above or 
below Base Flood 
Elevation adjusted for 
wave height at building 
site4 
Building 
Rate 
Contents 
Rate 
+4 or more 1.10 .63 
+3 1.22 .64 
+2 1.45 .81 
+1 1.84 1.23 
0 2.24 1.78 
-15 2.77 2.42 
-25 3.52 3.25 
-35 4.43 4.36 
- 4 or lower5 *** *** 

1Policies for 1975 through 1981 Post-FIRM and Pre-FIRM buildings in Zones VE and V1-V30 will be allowed to use 
the Post-81 V Zone rate table if the rates are more favorable to the insured. See instructions on page RATE 23 for 
V Zone Optional Rating. 

2Rates provided are only for elevated buildings, except those elevated on solid perimeter foundation walls. For 
buildings elevated on solid perimeter foundation walls, and for non-elevated buildings, use the Specific Rating
Guidelines document.


3With ObstructionThe 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). 

4Wave height adjustment is not required in those cases where the Flood Insurance Rate Map indicates that the map 
includes wave height. 
5For buildings with obstruction, use Submit-for-Rate guidelines if the enclosure below the lowest elevated floor of an 
elevated building, which is used for rating, is 1 or more feet below BFE. 

***SUBMIT FOR RATING. Include a copy of the variance, a recent photograph and blueprints (including a site grading 
plan if ocean front) with the Application, and a post-construction (or pre-construction if builders risk) Elevation 
Certificate. Do not submit any premium with the application. No applicant for insurance on Post-FIRM construction 
or substantial improvement for which asterisks are shown (there is no risk premium rate) in the Flood Insurance 
Manual can obtain flood coverage until FEMA has approved the Application and established the risk premium for the 
building. 

TABLE 5C. RCBAP HIGH-RISE AND LOW-RISE BUILDING RATES 
(Including Townhouse/Rowhouse) 
ANNUAL RATES PER $100 OF COVERAGE 


1981 POST-FIRM V ZONE RATES 

SUBMIT FOR RATING 


 CONDO 20 May 1, 2008 


TABLE 6. RCBAP HIGH-RISE AND LOW-RISE CONDOMINIUM RATES 
(Including Townhouse/Rowhouse) 
INCREASED COST OF COMPLIANCE (ICC) COVERAGE 


All Except Submit for Rate Policies1 

Premiums for $30,000 ICC Coverage 

FIRM2 ZONE PREMIUM 
Post-FIRM A, AE, A1-A30, AO, AH $ 6 
AR, AR DUAL ZONES $ 6 
Post-81 V1-V30, VE $ 20 
75-81 V1-V30, VE $ 35 
A99, B, C, X, D $ 6 
Pre-FIRM A, AE, A1-A30, AO, AH $ 75 
AR, AR DUAL ZONES $ 6 
V, VE, V1-V30 $ 75 
A99, B, C, X, D $ 6 

1Use the ICC premium table contained in the Specific Rating Guidelines. 
2Elevation-rated Pre-FIRM buildings should use Post-FIRM ICC premiums. 

 CONDO 21 May 1, 2008 


TABLE 7. RCBAP DEDUCTIBLE FACTORS  ALL ZONES 
Category One  Low-Rise Condominium Building-and-Contents Policies 


DEDUCTIBLE DEDUCTIBLE FACTOR 
OPTIONS Single Family 2-4 Units 5 or More Units 
Building/Contents $500 Ded. $1,000 Ded. $500 Ded. $1,000 Ded. $500 Ded. $1,000 Ded. 
$500/ $500 1.000 1.125 1.000 1.025 1.000 1.015 
$1,000/$1,000 .950 1.000 .965 1.000 .980 1.000 
$2,000/$1,000 .900 .950 .930 .965 .960 .980 
$3,000/$1,000 .850 .900 .900 .935 .940 .960 
$4,000/$2,000 .800 .825 .850 .885 .910 .930 
$5,000/$2,000 .760 .775 .810 .845 .890 .920 
$10,000/$10,000 .625 .635 .650 .660 .825 .840 
$25,000/$25,000 .525 .535 .550 .560 .725 .740 

Category Two  Low-Rise Condominium Building-Only Policies 

DEDUCTIBLE 
OPTIONS 
DEDUCTIBLE FACTOR 
Single Family 2-4 Units 5 or More Units 
$500 Ded. $1,000 Ded. $500 Ded. $1,000 Ded. $500 Ded. $1,000 Ded. 
$500 1.000 1.125 1.000 1.025 1.000 1.015 
$1,000 .950 1.000 .965 1.000 .980 1.000 
$2,000 .885 .925 .925 .950 .950 .970 
$3,000 .825 .865 .875 .910 .920 .940 
$4,000 .775 .825 .825 .870 .900 .920 
$5,000 .725 .765 .800 .835 .880 .900 
$10,000 .620 .630 .640 .650 .815 .830 
$25,000 .520 .530 .540 .550 .715 .730 

Category Three  High-Rise Condominium Policies, 
Building-and-Contents and Building-Only


The deductible factors are multipliers, 
and total deductible amounts are subject to a maximum dollar discount per annual premium.


BUILDING/CONTENTS BUILDING-ONLY 

DEDUCTIBLE 
OPTIONS 
DEDUCTIBLE 
FACTOR 
MAXIMUM 
DISCOUNT 
$500 
Deductible 
$1,000 
Deductible 
$500/ $500 1.000 1.050 N/A 
$1,000/$1,000 .980 1.000 $ 56 
$2,000/$2,000 .960 .980 $ 111 
$3,000/$3,000 .940 .960 $ 166 
$4,000/$4,000 .910 .930 $ 221 
$5,000/$5,000 .890 .920 $ 276 
$10,000/$10,000 .825 .840 $ 501 
$25,000/$25,000 .725 .740 $1,001 

DEDUCTIBLE 
OPTIONS 
DEDUCTIBLE 
FACTOR 
MAXIMUM 
DISCOUNT 
$500 
Deductible 
$1,000 
Deductible 
$500 1.000 1.100 N/A 
$1,000 .980 1.000 $ 55 
$2,000 .950 .970 $ 110 
$3,000 .920 .940 $ 165 
$4,000 .900 .920 $ 220 
$5,000 .880 .900 $ 275 
$10,000 .815 .830 $ 500 
$25,000 .715 .730 $1,000 

 CONDO 22 May 1, 2008 


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 23 May 1, 2008 


CONDOMINIUM RATING EXAMPLE 1 

PRE-FIRM, LOW-RISE, WITH ENCLOSURE, COINSURANCE PENALTY, ZONE A 

Regular Program 

 Building Coverage: $140,000 
 Contents Coverage: $100,000 
 Condominium Type: Low-rise 
 Flood Zone: A 
 Occupancy: Other Residential 
 # of Units: 6 
 Date of Construction: Pre-FIRM 
 Building Type: 3 Floors Including Enclosure 
 Deductible: $2,000/$1,000 
 Deductible Factor: .980 
 Replacement Cost: $600,000 
 Elevation Difference: N/A 
 80% Coinsurance Amount: $480,000 
 ICC Premium: $75 ($30,000 Coverage) 
 CRS Rating: N/A 
 CRS Discount: N/A 
Determined Rates: 

Building: .75/.64 Contents: .96/.84 

COVERAGE 
BASIC LIMITS ADDITIONAL LIMITS 
(REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND 
ADDITIONAL TOTAL 
PREMIUM AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
PREM. 
REDUCTION/ 
INCREASE 
TOTAL 
AMOUNT OF 
INSURANCE 
BUILDING 140,000 .75 1,050 0 .64 0 -21 140,000 1,029 
CONTENTS 20,000 .96 192 80,000 .84 672 -17 100,000 847 
RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT 
ANNUAL SUBTOTAL 1,876 
. MANUAL . SUBMIT FOR RATING 
OPTION: ICC PREMIUM 75 
. ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD 
SUBTOTAL 1,951 
. MORTGAGE PORTFOLIO PROTECTION PROGRAM . OTHER: 
CRS PREMIUM DISCOUNT % . 
. PROVISIONAL RATING 
SUBTOTAL 1,951 
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT PROBATION SURCHARGE . 
ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE 
FEDERAL LAW. FEDERAL POLICY FEE 175 
SIGNATURE OF INSURANCE AGENT/BROKER DATE(MM/DD/YY) TOTAL PREPAID AMOUNT 2,126 

Premium Calculation: 

1. Multiply Rate x $100 of Coverage: Building: $1,050 / Contents: $864 
2. Apply Deductible Factor: Building: .980 x $1,050 = $1,029 / Contents: .980 x $864 = $847 
3. Premium Reduction: Building: $1,050 - $1,029 = $21 / Contents: $864 - $847 = $17 
4. Subtotal: $1,876 
5. Add ICC Premium: $75 
6. Subtract CRS Discount: N/A 
7. Subtotal: $1,951 
8. Probation Surcharge: N/A 
9. Add Federal Policy Fee: $175 
10. Total Prepaid Amount: $2,126 
CLAIMS ADJUSTMENT WITH COINSURANCE PROVISION 

Claim Payment is determined as follows: 

(Insurance Carried) 140,000 x (Amount of Loss) 100,000 = (Limit of Recovery) 29,167 - Less Deductible 
(Insurance Required) 480,000 

(Coinsurance Penalty applies because minimum insurance amount of $480,000 was not met.) 

 CONDO 24 May 1, 2008 


CONDOMINIUM RATING EXAMPLE 2 

PRE-FIRM, LOW-RISE, NO BASEMENT/ENCLOSURE, ZONE AE 

Regular Program 

 Building Coverage: $480,000 
 Contents Coverage: $50, 000 
 Condominium Type: Low-rise 
 Flood Zone: AE 
 Occupancy: Other Residential 
 # of Units: 6 
 Date of Construction: Pre-FIRM 
 Building Type: 1 Floor, No Basement 
 Deductible: $500/$500 
 Deductible Factor: 1.015 
 Replacement Cost: $600,000 
 Elevation Difference: N/A 
 80% Coinsurance Amount: $480,000 
 ICC Premium: $75 ($30,000 Coverage) 
 CRS Rating: N/A 
 CRS Discount: N/A 
Determined Rates: 

Building: .70/.52 Contents: .96/.97 

COVERAGE 
BASIC LIMITS ADDITIONAL LIMITS 
(REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND 
ADDITIONAL TOTAL 
PREMIUM AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
PREM. 
REDUCTION/ 
INCREASE 
TOTAL 
AMOUNT OF 
INSURANCE 
BUILDING 300,000 .70 2,100 180,000 .52 936 +46 480,000 3,082 
CONTENTS 20,000 .96 192 30,000 .97 291 +7 50,000 490 
RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT 
ANNUAL SUBTOTAL 3,572 
. MANUAL . SUBMIT FOR RATING 
OPTION: ICC PREMIUM 75 
. ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD 
SUBTOTAL 3,647 
. MORTGAGE PORTFOLIO PROTECTION PROGRAM . OTHER: 
CRS PREMIUM DISCOUNT % . 
. PROVISIONAL RATING 
SUBTOTAL 3,647 
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT 
PROBATION SURCHARGE . 
ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE 
FEDERAL LAW. FEDERAL POLICY FEE 175 
SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) TOTAL PREPAID AMOUNT 3,822 

Premium Calculation: 

1. Multiply Rate x $100 of Coverage: Building: $3,036 / Contents: $483 
2. Apply Deductible Factor: Building: 1.015 x $3,036 = $3,082 / Contents: 1.015 x $483 = $490 
3. Premium Increase: Building: $3,036 - $3,082 = $46 / Contents: $483 - $490 = $7 
4. Subtotal: $3,572 
5. Add ICC Premium: $75 
6. Subtract CRS Discount: N/A 
7. Subtotal: $3,647 
8. Probation Surcharge: N/A 
9. Add Federal Policy Fee: $175 
10. Total Prepaid Amount: $3,822 
CLAIMS ADJUSTMENT WITH COINSURANCE PROVISION 

Coinsurance Penalty does not apply since minimum insurance amount of 80% was met. 

 CONDO 25 May 1, 2008 


CONDOMINIUM RATING EXAMPLE 3 

POST-FIRM, LOW-RISE, COINSURANCE PENALTY, ZONE AE 

Regular Program 

 Building Coverage: $750,000 
 Contents Coverage: $100,000 
 Condominium Type: Low-rise 
 Flood Zone: AE 
 Occupancy: Other Residential 
 # of Units: 14 
 Date of Construction: Post-FIRM 
 Building Type: 2 Floors, No Basement/Enclosure 
 Deductible: $500/$500 
 Deductible Factor: 1.000 
 Replacement Cost: $1,120,000 
 Elevation Difference: +1 
 80% Coinsurance Amount: $896,000 
 ICC Premium: $6 ($30,000 Coverage) 
 CRS Rating: N/A 
 CRS Discount: N/A 
Determined Rates: 

Building: .28/.08 Contents: .38/.12 

COVERAGE 
BASIC LIMITS ADDITIONAL LIMITS 
(REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND 
ADDITIONAL TOTAL 
PREMIUM AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
PREM. 
REDUCTION/ 
INCREASE 
TOTAL 
AMOUNT OF 
INSURANCE 
BUILDING 700,000 .28 1,960 50,000 .08 40 0 750,000 2,000 
CONTENTS 20,000 .38 76 80,000 .12 96 0 100,000 172 
RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT 
ANNUAL SUBTOTAL 2,172 
. MANUAL . SUBMIT FOR RATING 
OPTION: ICC PREMIUM 6 
. ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD 
SUBTOTAL 2,178 
. MORTGAGE PORTFOLIO PROTECTION PROGRAM . OTHER: 
CRS PREMIUM DISCOUNT % . 
. PROVISIONAL RATING 
SUBTOTAL 2,178 
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT PROBATION SURCHARGE . 
ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE 
FEDERAL LAW. FEDERAL POLICY FEE 385 
SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) TOTAL PREPAID AMOUNT 2,563 

Premium Calculation: 

1. Multiply Rate x $100 of Coverage: Building: $2,000 / Contents: $172 
2. Apply Deductible Factor: Building: 1.000 x $2,000 = $2,000 / Contents: 1.000 x $172 = $172 
3. Premium Reduction/Increase: Building: $0 / Contents: $0 
4. Subtotal: $2,172 
5. Add ICC Premium: $6 
6. Subtract CRS Discount: N/A 
7. Subtotal: $2,178 
8. Probation Surcharge: N/A 
9. Add Federal Policy Fee: $385 
10. Total Prepaid Amount: $2,563 
CLAIMS ADJUSTMENT WITH COINSURANCE PROVISION 

Claim Payment is determined as follows: 

(Insurance Carried) 750,000 x (Amount of Loss) 300,000 = (Limit of Recovery) 251,116 - Less Deductible 
(Insurance Required) 896,000 

(Coinsurance Penalty applies because minimum insurance amount of $896,000 was not met.) 

 CONDO 26 May 1, 2008 


CONDOMINIUM RATING EXAMPLE 4 

POST-FIRM, LOW-RISE, STANDARD DEDUCTIBLE, ZONE AE 

Regular Program 

 Building Coverage: $600,000 
 Contents Coverage: $15,000 
 Condominium Type: Low-rise 
 Flood Zone: AE 
 Occupancy: Other Residential 
 # of Units: 6 
 Date of Construction: Post-FIRM 
 Building Type: 3 Floors, Townhouse, No Basement/Enclosure 
 Deductible: $500/$500 
 Deductible Factor: 1.000 
 Replacement Cost: $600,000 
 Elevation Difference: +2 
 80% Coinsurance Amount: $480,000 
 ICC Premium: $6 ($30,000 Coverage) 
 CRS Rating: N/A 
 CRS Discount: N/A 
Determined Rates: 

Building: .18/.08 Contents: .38/.12 

COVERAGE 
BASIC LIMITS ADDITIONAL LIMITS 
(REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND 
ADDITIONAL TOTAL 
PREMIUM AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
PREM. 
REDUCTION/ 
INCREASE 
TOTAL 
AMOUNT OF 
INSURANCE 
BUILDING 300,000 .18 540 300,000 .08 240 0 600,000 780 
CONTENTS 15,000 .38 57 0 .12 0 15,000 57 
RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT 
ANNUAL SUBTOTAL 837 
. MANUAL . SUBMIT FOR RATING 
OPTION: ICC PREMIUM 6 
. ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD 
SUBTOTAL 843 
.. MORTGAGE PORTFOLIO PROTECTION PROGRAM . OTHER: 
CRS PREMIUM DISCOUNT % . 
. PROVISIONAL RATING 
SUBTOTAL 843 
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT PROBATION SURCHARGE . 
ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE 
FEDERAL LAW. FEDERAL POLICY FEE 175 
SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) TOTAL PREPAID AMOUNT 1,018 

Premium Calculation: 

1. Multiply Rate x $100 of Coverage: Building: $780 / Contents: $57 
2. Apply Deductible Factor: Building: 1.000 x $780 = $780 / Contents: 1.000 x $57 = $57 
3. Premium Reduction/Increase: Building: $0 / Contents: $0 
4. Subtotal: $837 
5. Add ICC Premium: $6 
6. Subtract CRS Discount: N/A 
7. Subtotal: $843 
8. Probation Surcharge: N/A 
9. Add Federal Policy Fee: $175 
10. Total Prepaid Amount: $1,018 
CLAIMS ADJUSTMENT WITH COINSURANCE PROVISION 

Coinsurance Penalty does not apply since the minimum insurance amount of 80% was met. 

 CONDO 27 May 1, 2008 


CONDOMINIUM RATING EXAMPLE 5 

PRE-FIRM, HIGH-RISE, STANDARD DEDUCTIBLE, COINSURANCE PENALTY, ZONE A 

Regular Program 

 Building Coverage: $1,110,000 
 Contents Coverage: $100,000 
 Condominium Type: High-rise 
 Flood Zone: A 
 Occupancy: Other Residential 
 # of Units: 50 
 Date of Construction: Pre-FIRM 
 Building Type: 3 or More Floors, No Basement/Enclosure 
 Deductible: $1,000/$1,000 
 Deductible Factor: 1.000 
 Replacement Cost: $1,500,000 
 Elevation Difference: N/A 
 80% Coinsurance Amount: $1,200,000 
 ICC Premium: $75 ($30,000 Coverage) 
 CRS Rating: 5 
 CRS Discount: 25% 
Determined Rates: 

Building: .85/.19 Contents: .96/.67 

COVERAGE 
BASIC LIMITS ADDITIONAL LIMITS 
(REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND 
ADDITIONAL TOTAL 
PREMIUM AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
PREM. 
REDUCTION/ 
INCREASE 
TOTAL 
AMOUNT OF 
INSURANCE 
BUILDING 150,000 .85 1,275 960,000 .19 1,824 0 1,110,000 3,099 
CONTENTS 20,000 .96 192 80,000 .67 536 0 100,000 728 
RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT 
ANNUAL SUBTOTAL 3,827 
. MANUAL . SUBMIT FOR RATING 
OPTION: ICC PREMIUM 75 
. ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD 
SUBTOTAL 3,902 
. MORTGAGE PORTFOLIO PROTECTION PROGRAM . OTHER: 
CRS PREMIUM DISCOUNT 25% -976 
. PROVISIONAL RATING 
SUBTOTAL 2,926 
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT PROBATION SURCHARGE . 
ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE 
FEDERAL LAW. FEDERAL POLICY FEE 735 
SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) TOTAL PREPAID AMOUNT 3,661 

Premium Calculation: 

1. Multiply Rate x $100 of Coverage: Building: $3,099 / Contents: $728 
2. Apply Deductible Factor: Building: 1.000 x $3,099 = $3,099 / Contents: 1.000 x $728 = $728 
3. Premium Reduction/Increase: Building: $0 / Contents: $0 
4. Subtotal: $3,827 
5. Add ICC Premium: $75 
6. Subtract CRS Discount: - $976 (25%) 
7. Subtotal: $2,926 
8. Probation Surcharge: N/A 
9. Add Federal Policy Fee: $735 
10. Total Prepaid Amount: $3,661 
CLAIMS ADJUSTMENT WITH COINSURANCE PROVISION 

Claim Payment is determined as follows: 

(Insurance Carried) 1,110,000 x (Amount of Loss) 200,000 = (Limit of Recovery) 185,000 - Less Deductible 
(Insurance Required) 1,200,000 

(Coinsurance Penalty applies because minimum insurance amount of $1,200,000 was not met.) 

 CONDO 28 May 1, 2008 


CONDOMINIUM RATING EXAMPLE 6 

PRE-FIRM, HIGH-RISE, BASEMENT, MAXIMUM DISCOUNT, ZONE AE 

Regular Program 

 Building Coverage: $3,000,000 
 Contents Coverage: $100,000 
 Condominium Type: High-rise 
 Flood Zone: AE 
 Occupancy: Other Residential 
 # of Units: 50 
 Date of Construction: Pre-FIRM 
 Building Type: 3 or More Floors, including Basement 
 Deductible: $5,000/$5,000 
 Deductible Factor: .920 (Maximum Total Discount of $276 applies) 
 Replacement Cost: $3,750,000 
 Elevation Difference: N/A 
 80% Coinsurance Amount: $3,000,000 
 ICC Premium: $75 ($30,000 Coverage) 
 CRS Rating: 8 
 CRS Discount: 10% 
Determined Rates: 

Building: .90/.27 Contents: .96/.81 

COVERAGE 
BASIC LIMITS ADDITIONAL LIMITS 
(REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND 
ADDITIONAL TOTAL 
PREMIUM AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
PREM. 
REDUCTION/ 
INCREASE 
TOTAL 
AMOUNT OF 
INSURANCE 
BUILDING 150,000 .90 1,350 2,850,000 .27 7,695 -276 3,000,000 8,769 
CONTENTS 20,000 .96 192 80,000 .81 648 0 100,000 840 
RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT 
ANNUAL SUBTOTAL 9,609 
. MANUAL . SUBMIT FOR RATING 
OPTION: ICC PREMIUM 75 
. ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD 
SUBTOTAL 9,684 
. MORTGAGE PORTFOLIO PROTECTION PROGRAM . OTHER: 
CRS PREMIUM DISCOUNT 10% -968 
. PROVISIONAL RATING 
SUBTOTAL 8,716 
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT PROBATION SURCHARGE . 
ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE 
FEDERAL LAW. FEDERAL POLICY FEE 735 
SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) TOTAL PREPAID AMOUNT 9,451 

Premium Calculation: 

1. Multiply Rate x $100 of Coverage: Building: $9,045 / Contents: $840 
2. Apply Deductible Factor: Building: .920 x $9,045 = $8,321 / Contents: .920 x $840 = $773 
3. Premium Reduction: Building: $276 (maximum discount since $9,045 - $8,321 = $724 
exceeds the maximum) / Contents: $0 
4. Subtotal: $9,609 
5. Add ICC Premium: $75 
6. Subtract CRS Discount: -$968 (10%) 
7. Subtotal: $8,716 
8. Probation Surcharge: N/A 
9. Add Federal Policy Fee: $735 
10. Total Prepaid Amount: $9,451 
CLAIMS ADJUSTMENT WITH COINSURANCE PROVISION 

Coinsurance Penalty does not apply since the minimum insurance amount of 80% was met. 

NOTE: The NFIP accepts premium only in whole dollars. If the discount for an optional deductible does not result in 
a whole dollar premium, round up if 50 or more; round down if less. Always submit gross premium. 

 CONDO 29 May 1, 2008 


CONDOMINIUM RATING EXAMPLE 7 

POST-FIRM, HIGH-RISE, STANDARD DEDUCTIBLE, ZONE AE 

Regular Program 

 Building Coverage: $12,000,000 
 Contents Coverage: $15,000 
 Condominium Type: High-rise 
 Flood Zone: AE 
 Occupancy: Other Residential 
 # of Units: 100 
 Date of Construction: Post-FIRM 
 Building Type: 3 or More Floors, No Basement/Enclosure 
 Deductible: $500/$500 
 Deductible Factor: 1.000 
 Replacement Cost: $15,000,000 
 Elevation Difference: 0 
 80% Coinsurance Amount: $12,000,000 
 ICC Premium: $6 ($30,000 Coverage) 
 CRS Rating: 9 
 CRS Discount: 5% 
Determined Rates: 

Building: 1.28/.05 Contents: .69/.12 

COVERAGE 
BASIC LIMITS ADDITIONAL LIMITS 
(REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND 
ADDITIONAL TOTAL 
PREMIUM AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
PREM. 
REDUCTION/ 
INCREASE 
TOTAL AMOUNT 
OF INSURANCE 
BUILDING 150,000 1.28 1,920 11,850,000 .05 5,925 0 12,000,000 7,845 
CONTENTS 15,000 .69 104 0 .12 0 0 15,000 104 
RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT 
ANNUAL SUBTOTAL 7,949 
. MANUAL . SUBMIT FOR RATING 
OPTION: ICC PREMIUM 6 
. ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD 
SUBTOTAL 7,955 
. MORTGAGE PORTFOLIO PROTECTION PROGRAM . OTHER: 
CRS PREMIUM DISCOUNT 5% -398 
. PROVISIONAL RATING 
SUBTOTAL 7,557 
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT PROBATION SURCHARGE . 
ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE 
FEDERAL LAW. FEDERAL POLICY FEE 735 
SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) TOTAL PREPAID AMOUNT 8,292 

Premium Calculation: 

1. Multiply Rate x $100 of Coverage: Building: $7,845 / Contents: $104 
2. Apply Deductible Factor: Building: 1.000 x $7,845 = $7,845 / Contents: 1.000 x $104 = $104 
3. Premium Increase: Building: $0 / Contents: $0 
4. Subtotal: $7,949 
5. Add ICC Premium: $6 
6. Subtract CRS Discount: - $398 (5%) 
7. Subtotal: $7,557 
8. Probation Surcharge: N/A 
9. Add Federal Policy Fee: $735 
10. Total Prepaid Amount: $8,292 
CLAIMS ADJUSTMENT WITH COINSURANCE PROVISION 

Coinsurance Penalty does not apply since the minimum insurance amount of 80% was met. 

NOTE: The NFIP accepts premium only in whole dollars. If the discount for an optional deductible does not result in 
a whole dollar premium, round up if 50 or more; round down if less. Always submit gross premium. 

 CONDO 30 May 1, 2008 


CONDOMINIUM RATING EXAMPLE 8 


PRE-FIRM, HIGH-RISE, ENCLOSURE, MAXIMUM DISCOUNT, COINSURANCE PENALTY, ZONE AE


Regular Program 

 Building Coverage: $4,000,000 
 Contents Coverage: $100,000 
 Condominium Type: High-rise 
 Flood Zone: AE 
 Occupancy: Other Residential 
 # of Units: 200 
 Date of Construction: Pre-FIRM 
 Building Type: 3 or More Floors, Including Enclosure 
 Deductible: $2,000/$2,000 
 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: $75 ($30,000 Coverage) 
 CRS Rating: N/A 
 CRS Discount: N/A 
Determined Rates: 

Building: .90/.19 Contents: .96/.97 

COVERAGE 
BASIC LIMITS ADDITIONAL LIMITS 
(REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND 
ADDITIONAL TOTAL 
PREMIUM AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
PREM. 
REDUCTION/ 
INCREASE 
TOTAL 
AMOUNT OF 
INSURANCE 
BUILDING 150,000 .90 1,350 3,850,000 .19 7,315 -111 4,000,000 8,554 
CONTENTS 20,000 .96 192 80,000 .97 776 0 100,000 968 
RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT 
ANNUAL SUBTOTAL 9,522 
. MANUAL . SUBMIT FOR RATING 
OPTION: ICC PREMIUM 75 
. ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD 
SUBTOTAL 9,597 
. MORTGAGE PORTFOLIO PROTECTION PROGRAM . OTHER: 
CRS PREMIUM DISCOUNT % . 
. PROVISIONAL RATING 
SUBTOTAL 9,597 
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT PROBATION SURCHARGE . 
ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE 
FEDERAL LAW. FEDERAL POLICY FEE 735 
SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) TOTAL PREPAID AMOUNT 10,332 

Premium Calculation: 

1. Multiply Rate x $100 of Coverage: Building: $8,665 / Contents: $968 
2. Apply Deductible Factor: Building: .980 x $8,665 = $8,492 / Contents: .980 x $968 = $949 
3. Premium Reduction: Building: $111 (maximum discount since $8,665 - $8,492 = $173 
exceeds the maximum) / Contents: $0 
4. Subtotal: $9,522 
5. Add ICC Premium: $75 
6. Subtract CRS Discount: N/A 
7. Subtotal: $9,597 
8. Probation Surcharge: N/A 
9. Add Federal Policy Fee: $735 
10. Total Prepaid Amount: $10,332 
CLAIMS ADJUSTMENT WITH COINSURANCE PROVISION 

Claim Payment is determined as follows: 

(Insurance Carried) 4,000,000 x (Amount of Loss) 1,000,000 = (Limit of Recovery) 277,778 - Less Deductible 
(Insurance Required) 14,400,000 

(Coinsurance Penalty applies because minimum insurance amount of $14,400,000 was not met.) 

 CONDO 31 May 1, 2008 


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LOWEST FLOOR GUIDE 

This section is to be used as a guide for 
identifying the lowest floor for rating buildings 
being considered for coverage under the 
National Flood Insurance Program. 

I. LOWEST FLOOR DETERMINATION 
The following guidance, along with the 
comments accompanying each building drawing 
provided in this section (pages LFG 8-59), will 
help insurance agents determine the lowest floor 
so that the appropriate rate can be applied. 

A. Non-Elevated Buildings 
In a non-elevated building, the lowest floor used 
for rating is the buildings lowest floor including a 
basement, if any. 

If a building located in an A zone (any flood zone 
beginning with the letter A) has an attached 
garage, and the floor level of the garage is 
below the level of the building, and there is 
machinery/equipment on the floor of the garage 
that is below the Base Flood Elevation (BFE), 
the lowest floor is the garage floor unless the 
garage has proper openings (flood vents). See 
Proper Openings in the Definitions section. 

B. Elevated Buildings in A Zones 
In an elevated building located in an A zone (any 
flood zone beginning with the letter A), the 
lowest floor used for rating is the lowest elevated 
floor, with the exceptions described below. 

If a building located in an A zone has an 
enclosure below the elevated floor, including 
an attached garage, the enclosure or garage 

floor becomes the lowest floor for rating if any of 
the following conditions exists: 

 The enclosed space is finished (having more 
than 20 linear feet of finished wall [paneling, 
etc.]); or 
 The unfinished enclosed space is used for 
other than building access (stairwells, 
elevators, etc.), parking, or storage; or 
 The unfinished enclosed space has no 
proper openings (flood vents). 
1. Enclosures with Openings 
An elevated building with an enclosure 
below the elevated floor with proper 
openings (flood vents) in the enclosure can 
be rated using the elevated floor as the 
lowest floor. (For elevated buildings with 
proper openings in the enclosure, the 
application should indicate No for 
enclosure.) This rule applies to buildings in 

Zones A, A1-A30, AE, AO, AH, AR, and AR 
Dual. 

All enclosures (including an elevator shaft or 
a crawl space) below the lowest elevated 
floor must be designed to automatically 
equalize hydrostatic flood forces on exterior 
walls by allowing for the entry and exit of 
floodwaters. A minimum of two openings, 
with positioning on at least two walls, having 
a total net area of not less than 1 square 
inch for every square foot of enclosed area 
must be provided. The bottom of all 
openings must be no higher than 1 foot 
above the grade underneath the openings. 

2. Alternative to the Openings Requirement 
Above 
In situations where it is not feasible to meet 
the openings requirement above, it is 
acceptable to use the following 
certification/letter in order for the enclosure 
floor elevation to be excluded for rating: 

 A registered professional engineer or 
architect certification that the flood 
openings are designed to automatically 
equalize hydrostatic flood forces on 
exterior walls by allowing for the entry 
and exit of floodwaters. This certification 
is required to assure community officials 
that the openings are designed in 
accordance with accepted standards of 
practice. For acceptable certifications, 
refer FEMA Technical Bulletin 1-93, 
Openings in Foundation Walls for 
Buildings Located in Special Flood 
Hazard Areas 
www.fema.gov/pdf/fima/job2.pdf; or 
 A letter or other written evidence from 
the community building official that the 
flood openings have been accepted by 
the community as an alternative to the 
openings requirement in the International 
Building Code or the local 
ordinance based on the issuance of an 
Evaluation Report on openings by the 
International Code Council Evaluation 
Service (ICC-ES); or 
 An Evaluation Report issued by the ICCES 
indicating that the automatic flood 
vents meet code requirements. This 
report provides the specification on the 
number of flood vents required for a 
specified square footage of enclosed 
area below the BFE. 
LFG 1 May 1, 2008 


3. Crawl Spaces 
If a building elevated on a crawl space is 
located in an A zone and has an attached 
garage, use the following guidelines to 
determine the lowest floor for rating: 

 Use the top of the crawl space (underfloor 
space) floor or the garage floor, 
whichever is lower, if neither the crawl 
space nor the garage has proper 
openings; or 
 Use the top of the crawl space 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 crawl space; or 
 Use the top of the finished floor 
(habitable floor), if both the crawl space 
and the garage have proper openings. 
Pre-FIRM buildings with subgrade crawl 
spaces 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 one or more of the 
following conditions are met: 

 The enclosed space is finished (having more 
than 20 linear feet of finished wall [paneling, 
etc.]); or 
 The 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 buildingi.e., furnaces, hot water 
heaters, heat pumps, air conditioners, and 
elevators and their associated equipment. 
Washers, dryers, and food freezers are 
contents items and are not considered 
machinery or equipment.); or 
 The enclosed space is constructed with non-
breakaway walls (A non-breakaway wall is 
defined as a wall that is attached to the 
structural support of the building and is not 
designed or constructed to collapse under 
specific lateral loading forces. This type of 
construction endangers the foundation 
system of the building.); or 

 The enclosed space is 300 square feet or 
more and has breakaway walls; or 
 The enclosed space has load-bearing 
(supporting) walls. 
If the enclosed space (enclosure) is at or above 
the BFE, use the Free of Obstruction rate table 
on page RATE 7 or page CONDO 19, as 
appropriate. Also use these rates if an enclosure 
has solid load-bearing walls that provide less than 
25 percent of the buildings structural support. 
The elevation of the bottom enclosure floor is the 
lowest floor for rating (LFE). 

Also see D. Post-81 V Zone Optional Rating 
on page RATE 23. 

II. USE OF ELEVATION CERTIFICATE 
The Elevation Certificate (EC) is used to 
properly rate buildings located in Special Flood 
Hazard Areas (SFHAs). Use the criteria below in 
determining whether use of the EC is mandatory 
or optional. (See the Special Certifications 
section, pages CERT 1-2, for more information 
on using the EC.) 

A. Mandatory Use of Elevation Certificate 
An EC is required for a Post-FIRM building 
located in Zones AE, A1-A30, VE, V1-V30, or a 
Pre-FIRM building opting for Post-FIRM rates 
(see B. below). An EC is also required for a 
Post-FIRM building located in unnumbered A 
Zones (With or Without Estimated BFE), Zone 
AH, and Zone AO, if the building has a 
basement or enclosure without proper openings. 

If the building is Post-FIRM construction located 
in unnumbered A Zones, check with the 
community official to determine if there is an 
estimated Base Flood Elevation. If available, an 
EC that certifies the lowest floor elevation must 
be submitted. 

B. Optional Rating Using the Elevation 
Certificate 
Buildings located in AR and AR Dual zones, or 
constructed prior to publication of the initial 
Flood Insurance Rate Map (Pre-FIRM), can, at 
the option of the insured, be elevation-rated 
using Post-FIRM rates. The insured may select 
the more advantageous rate. 

In addition, the EC is optional in unnumbered A 
Zones (With or Without Estimated BFE), Zone 
AH, and Zone AO if the building has no 
basement or enclosure. 

 LFG 2 May 1, 2008 


LFG 3 May 1, 2008 


LFG 4 May 1, 2008 


LFG 5 May 1, 2008 


LFG 6 May 1, 2008 


LFG 7 May 1, 2008 


III. SPECIFIC BUILDING DRAWINGS 
Table of Contents 

SECTION

 PAGE 

Elevated Buildings for Pre- and Post-FIRM 
Risks in Flood Zones B, C, X, A99, and D................................................................................LFG 9 - LFG 11 

Non-Elevated Buildings for Pre- and Post-FIRM 
Risks in Flood Zones B, C, X, A99, and D................................................................................LFG 12 - LFG 13 

Elevated Buildings for Pre- and Post-FIRM 
Risks in Flood Zones A, AO, and AH .......................................................................................LFG 14 - LFG 18 

Non-Elevated Buildings for Pre- and Post-FIRM 
Risks in Flood Zones A, AO, and AH .......................................................................................LFG 19 - LFG 21 

Non-Elevated Buildings for Pre- and Post-FIRM Risks in 
Flood Zones AE and A1-A30 ...................................................................................................LFG 22 - LFG 27 

Elevated Buildings for Pre- and Post-FIRM Risks in Flood 
Zones AE and A1-A30 .............................................................................................................LFG 28 - LFG 38 

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 39 - LFG 42 

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 43 - LFG 51 

Elevated Buildings for Post-FIRM Risks in Flood Zones 
VE and V1-V30, Construction Date October 1, 1981, and After...............................................LFG 52 - LFG 59 

LFG 8 May 1, 2008 


LFG 9 May 1, 2008 


ELEVATED BUILDINGS 
PRE- AND POST-FIRM RISKS IN FLOOD ZONES B, C, X, A99, AND D 

1 4

LF.Lowest Floor HAG.Highest Adjacent Grade 

2 5

BFE.Base Flood Elevation See page LFG 2 for optional elevation rating 

3 6

See page LFG 1 for explanation of proper openings Non-elevated buildings with construction 
dates of October 1, 1981, and after are Submit-for-Rate 

NOTE: Above references may not apply to this page. 

Building Description One floor and unfinished enclosed area 
Elevating Foundation of 
Building 
Piers, posts, piles, or columns 
Type of Enclosure Designed with proper openings3 
Machinery or Equipment 
Servicing Building 
With or without machinery or equipment 
Lowest Floor for Rating No Elevation Certificate Required 
Application Should Show Building Type. One floor 
Is Building Elevated?. Yes 
Is area below the elevated floor enclosed?. No 
Pre-FIRM Rating Use Pre-FIRM rate table no basement/enclosure category. 
Post-FIRM Rating Use Post-FIRM rate table no basement/enclosure category. 


LFG 10 May 1, 2008 


ELEVATED BUILDINGS 
PRE- AND POST-FIRM RISKS IN FLOOD ZONES B, C, X, A99, AND D 

1 4

LF.Lowest Floor HAG.Highest Adjacent Grade 

2 5

BFE.Base Flood Elevation See page LFG 2 for optional elevation rating 

3 6

See page LFG 1 for explanation of proper openings Non-elevated buildings with construction 
dates of October 1, 1981, and after are Submit-for-Rate 

NOTE: Above references may not apply to this page. 

Building Description Two floors and unfinished enclosed area 
Elevating Foundation of 
Building 
Solid perimeter load-bearing walls. No openings 
Type of Enclosure Unfinished crawl space and garage 
Machinery or Equipment 
Servicing Building 
With or without machinery or equipment 
Lowest Floor for Rating No Elevation Certificate Required 
Application Should Show Building Type. Three or more floors 
Is Building Elevated?. Yes 
Is area below the elevated floor enclosed?. Yes 
Pre-FIRM Rating Use Pre-FIRM rate table with enclosure category. 
Post-FIRM Rating Use Post-FIRM rate table with basement/enclosure category. 


LFG 11 May 1, 2008 


ELEVATED BUILDINGS 
PRE- AND POST-FIRM RISKS IN FLOOD ZONES B, C, X, A99, AND D 

1 4

LF. Lowest Floor HAG.Highest Adjacent Grade 

2 5

BFE.Base Flood Elevation See page LFG 2 for optional elevation rating 

3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction 
dates of October 1, 1981, and after are Submit-for-Rate 

NOTE: Above references may not apply to this page. 

Building Description One floor and finished or unfinished enclosed area 
Elevating Foundation of 
Building 
Piers, posts, piles, or columns 
Type of Enclosure Nonload-bearing walls 
No proper openings3 
Machinery or Equipment 
Servicing Building 
With or without machinery or equipment 
Lowest Floor for Rating No Elevation Certificate Required 
Application Should Show Building Type. Two floors 
Is Building Elevated?. Yes 
Is area below the elevated floor enclosed?. Yes 
Pre-FIRM Rating Use Pre-FIRM rate table with enclosure category. 
Post-FIRM Rating Use Post-FIRM rate table with basement/enclosure category. 


LFG 12 May 1, 2008 


NON-ELEVATED BUILDINGS 
PRE- AND POST-FIRM RISKS IN FLOOD ZONES B, C, X, A99, AND D 

1 4

LF.Lowest Floor HAG.Highest Adjacent Grade 

2 5

BFE.Base Flood Elevation See page LFG 2 for optional elevation rating 

36

 See page LFG 1 for explanation of proper openings Non-elevated buildings with construction 
dates of October 1, 1981, and after are Submit-for-Rate 

NOTE: Above references may not apply to this page 

Building Description One floor on slab 
Machinery or Equipment 
Servicing Building 
N/A 
Lowest Floor for Rating No Elevation Certificate Required 
Application Should Show Building Type. One floor 
Basement. None 
Is Building Elevated? . No 
Pre-FIRM Rating Use Pre-FIRM rate table no basement/enclosure category. 
Post-FIRM Rating Use Post-FIRM rate table no basement/enclosure category. 


LFG 13 May 1, 2008 


NON-ELEVATED BUILDINGS 
PRE- AND POST-FIRM RISKS IN FLOOD ZONES B, C, X, A99, AND D 

1 4

LF.Lowest Floor HAG.Highest Adjacent Grade 

2 5

BFE.Base Flood Elevation See page LFG 2 for optional elevation rating 

36

 See page LFG 1 for explanation of proper openings Non-elevated buildings with construction 
dates of October 1, 1981, and after are Submit-for-Rate 

NOTE: Above references may not apply to this page. 

Building Description One floor with finished or unfinished basement 
Machinery or Equipment 
Servicing Building 
With or without machinery or equipment in basement 
Lowest Floor for Rating No Elevation Certificate Required 
Application Should Show Building Type.Two floors 
Basement.Finished or unfinished 
Is Building Elevated?.No 
Pre-FIRM Rating Use Pre-FIRM rate table with basement category. 
Post-FIRM Rating Use Post-FIRM rate table with basement/enclosure category. 


 LF (C2.a) 
ELEVATED BUILDINGS 
PRE- AND POST-FIRM RISKS IN FLOOD ZONES A, AO, AND AH 

1 4

LF.Lowest Floor HAG.Highest Adjacent Grade 

2 5

BFE.Base Flood Elevation See page LFG 2 for optional elevation rating 

3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction 
dates of October 1, 1981, and after are Submit-for-Rate 

Letters and numbers in parentheses, as (A8.c) or (C2.a), correspond 
to Section A or Section C of the Elevation Certificate 

NOTE: Above references may not apply to this page. 

Building Description One floor without enclosed area (See Elevation Certificate, Diagram 5) 
Elevating Foundation of 
Building 
Piers, posts, piles, or columns 
Type of Enclosure No enclosure 
Machinery or Equipment 
Servicing Building 
None 
Lowest Floor for Rating Top of lowest elevated floor 
Application Should Show Building Type One floor 
Is Building Elevated? Yes 
Is area below the elevated floor enclosed? No 
Pre-FIRM Rating5 AO Zone: If difference between LF1 and HAG4 is equal to or greater than Base Flood Depth, use with certification rate. If not, use Pre-FIRM 
rate table no basement/enclosure category. 
AH Zone: If LF1 elevation is equal to or greater than BFE2, use with certification rate. If LF1 elevation is less than BFE2, use Pre-FIRM rate 
table . 
A Zone with estimated BFE2: If LF1 elevation is equal to or greater than the estimated BFE2, use Post-FIRM rate table with the estimated base 
flood elevation category. If LF1 elevation is less than BFE2, use Pre-FIRM rate table no basement/enclosure category. 
A Zone without estimated BFE2: If difference between the LF1 and HAG4 is 2 ft. or more, use Post-FIRM no estimated base flood elevation 
rate table. If the difference is 1 ft. or less, use Pre-FIRM rate table no basement/enclosure category. 
Post-FIRM Rating AO Zone: If difference between LF1 and HAG4 is equal to or greater than Base Flood Depth, use with certification rate. If not, use without 
certification rate. 
AH Zone: If LF1 elevation is greater than or equal to BFE2, use with certification rate. If not, use without certification rate. 
A Zone with estimated BFE2: Use Post-FIRM rate table with the estimated base flood elevation category. If LF1 elevation is 2 or more feet 
below the estimated BFE2, submit the application to the NFIP for a rate. 
A Zone without estimated BFE2: If difference between the LF1 and HAG4 is 1 ft. or more, use Post-FIRM rate table no estimated base flood 
elevation category. If difference is 0 or less, submit the application to the NFIP for a rate. 

LFG 14 May 1, 2008 


LFG 15 May 1, 2008 

LF 
(C2.b) 
OPENINGS 
(A8.c) 
ELEVATED BUILDINGS 
PRE- AND POST-FIRM RISKS IN FLOOD ZONES A, AO, AND AH 

1 LF.Lowest Floor 4 HAG.Highest Adjacent Grade 
2 BFE.Base Flood Elevation 5 See page LFG 2 for optional elevation rating 
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction 
dates of October 1, 1981, and after are Submit-for-Rate 

Letters and numbers in parentheses, as (A8.c) or (C2.a), correspond 
to Section A or Section C of the Elevation Certificate 

NOTE: Above references may not apply to this page. 

Building Description One floor and unfinished enclosed area (See Elevation Certificate, Diagram 6) 
Elevating Foundation of 
Building 
Piers, posts, piles, or columns 
Type of Enclosure Designed with proper openings3 
Machinery or Equipment 
Servicing Building 
With or without machinery or equipment 
Lowest Floor for Rating Top of next higher floor 
Application Should Show Building Type One floor 
Is Building Elevated? Yes 
Is area below the elevated floor enclosed? No 
Pre-FIRM Rating5 AO Zone: If difference between LF1 and HAG4 is equal to or greater than Base Flood Depth, use with certification rate. If not, use Pre-FIRM 
rate table no basement/enclosure category. 
AH Zone: If LF1 elevation is equal to or greater than BFE2, use with certification rate. If LF1 elevation is less than BFE2, use Pre-FIRM rate 
table 
A Zone with estimated BFE2: If LF1 elevation is equal to or greater than the estimated BFE2, use Post-FIRM rate table with the estimated base 
flood elevation category. If LF1 elevation is less than BFE2, use Pre-FIRM rate table no basement/enclosure category. 
A Zone without estimated BFE2: If difference between the LF1 and HAG4 is 2 ft. or more, use Post-FIRM no estimated base flood elevation 
rate table. If the difference is 1 ft. or less, use Pre-FIRM rate table no basement/enclosure category. 
Post-FIRM Rating AO Zone: If difference between LF1 and HAG4 is equal to or greater than Base Flood Depth, use with certification rate. If not, use without 
certification rate. 
AH Zone: If LF1 elevation is greater than or equal to BFE2, use with certification rate. If not, use without certification rate. 
A Zone with estimated BFE2: Use Post-FIRM rate table with the estimated base flood elevation category. If LF1 elevation is 2 or more feet 
below the estimated BFE2, submit the application to the NFIP for a rate. 
A Zone without estimated BFE2: If difference between the LF1 and HAG4 is 1 ft. or more, use Post-FIRM rate table no estimated base flood 
elevation category. If the difference is 0 or less, submit the application to the NFIP for a rate.


ELEVATED BUILDINGS 
PRE- AND POST-FIRM RISKS IN FLOOD ZONES A, AO, AND AH 
1 
2 
3 
LF.Lowest Floor 
BFE.Base Flood Elevation 
See page LFG 1 for explanation of proper openings 
4 HAG.Highest Adjacent Grade 
5 See page LFG 2 for optional elevation rating 
6 Non-elevated buildings with construction 
dates of October 1, 1981, and after are Submit-for-Rate 
Letters and numbers in parentheses, as (A8.c) or (C2.a), correspond 
to Section A or Section C of the Elevation Certificate 
NOTE: Above references may not apply to this page. 

LF 
(C2.a) 
Building Description Two floors and unfinished enclosed area 
Elevating Foundation of 
Building 
Solid load-bearing walls. No openings 
Type of Enclosure Unfinished crawl space and garage 
Machinery or Equipment 
Servicing Building 
With or without machinery or equipment 
Lowest Floor for Rating Top of bottom floor (lower of crawl space or garage) 
Application Should Show Building Type. Three or more floors 
Is Building Elevated?. Yes 
Is area below the elevated floor enclosed?. Yes 
Pre-FIRM Rating AO Zone: Use Pre-FIRM rate table with enclosure category. 
AH Zone: Use Pre-FIRM rate table with enclosure category. 
A Zone: Use Pre-FIRM rate table with enclosure category. 
Post-FIRM Rating Submit the application to the NFIP for a rate. 

LFG 16 May 1, 2008 


LFG 17 
May 1, 2008 

LF 
(C2.a) 
ELEVATED BUILDINGS 
PRE- AND POST-FIRM RISKS IN FLOOD ZONES A, AO, AND AH 

1 4

LF.Lowest Floor HAG.Highest Adjacent Grade 

2 5

BFE.Base Flood Elevation See page LFG 2 for optional elevation rating 

3 6

 See page LFG 1 for explanation of proper openings Non-elevated buildings with construction 
dates of October 1, 1981, and after are Submit-for-Rate 

Letters and numbers in parentheses, as (A8.c) or (C2.a), correspond 
to Section A or Section C of the Elevation Certificate 

NOTE: Above references may not apply to this page. 

Building Description One floor and finished or unfinished enclosed area (See Elevation Certificate, Diagram 6) 
Elevating Foundation of 
Building 
Piers, posts, piles, or columns 
Type of Enclosure Nonload-bearing walls 
No openings3 
Machinery or Equipment 
Servicing Building 
With or without machinery or equipment 
Lowest Floor for Rating Top of bottom floor (including basement or enclosure) 
Application Should Show Building Type Two floors 
Is Building Elevated? Yes 
Is area below the elevated floor enclosed? Yes 
Pre-FIRM Rating AO Zone: Use Pre-FIRM rate table with enclosure category. 
AH Zone: Use Pre FIRM rate table with enclosure category. 
A Zone: Use Pre-FIRM rate table with enclosure category. 
Post-FIRM Rating Submit the application to the NFIP for a rate. 


LF 
(C2.a) 
ELEVATED BUILDINGS 
PRE- AND POST-FIRM RISKS IN FLOOD ZONES A, AO, AND AH 

1 4

LF.Lowest Floor HAG.Highest Adjacent Grade 

2 5

BFE.Base Flood Elevation See page LFG 2 for optional elevation rating 

3 6

See page LFG 1 for explanation of proper openings Non-elevated buildings with construction 
dates of October 1, 1981, and after are Submit-for-Rate 

Letters and numbers in parentheses, as (A8.c) or (C2.a), correspond 
to Section A or Section C of the Elevation Certificate 

NOTE: Above references may not apply to this page. 

Building Description Mobile home without enclosed area 
Elevating Foundation of 
Building 
Piers, posts, piles, or columns 
Type of Enclosure Vinyl skirting 
Machinery or Equipment 
Servicing Building 
With or without machinery or equipment below elevated floor 
Lowest Floor for Rating Top of lowest elevated floor 
Application Should Show Building Type. Mobile home 
Is Building Elevated?. Yes 
Is area below the elevated floor enclosed?. No 
Pre-FIRM Rating5 AO Zone: If difference between LF1 and HAG4 is equal to or greater than Base Flood Depth, use with certification rate. If not, use Pre-FIRM 
rate table no basement/enclosure category. 
AH Zone: If LF1 elevation is equal to or greater than BFE2, use with certification rate. If LF1 elevation is less than BFE2, use Pre-FIRM rate 
table . 
A Zone with estimated BFE2: If LF1 elevation is equal to or greater than the estimated BFE2, use Post-FIRM rate table with the estimated 
base flood elevation category. If LF1 elevation is less than BFE2, use Pre-FIRM rate table no basement/enclosure category. 
A Zone without estimated BFE2: If difference between the LF1 and HAG4 is 2 ft. or more, use Post-FIRM no estimated base flood elevation 
rate table. If the difference is 1 ft. or less, use Pre-FIRM rate table no basement/enclosure category. 
Post-FIRM Rating AO Zone: If difference between LF1 and HAG4 is equal to or greater than Base Flood Depth, use with certification rate. If not, use without 
certification rate. 
AH Zone: If LF1 elevation is greater than or equal to BFE2, use with certification rate. If not, use without certification rate. 
A Zone with estimated BFE2: Use Post-FIRM rate table with the estimated base flood elevation category. If LF1 elevation is 2 or more feet 
below the estimated BFE2, submit the application to the NFIP for a rate. 
A Zone without estimated BFE2: If difference between the LF1 and HAG4 is 1 ft. or more, use Post-FIRM rate table no estimated base flood 
elevation category. If difference is 0 or less, submit the application to the NFIP for a rate. 

LFG 18 May 1, 2008 


LFG 19 
May 1, 2008 

LF 
(C2.a) 
NON-ELEVATED BUILDINGS 
PRE- AND POST-FIRM RISKS IN FLOOD ZONES A, AO, AND AH 

1 4

LF.Lowest Floor HAG.Highest Adjacent Grade 

2 5

BFE.Base Flood Elevation See page LFG 2 for optional elevation rating 

3 6

 See page LFG 1 for explanation of proper openings Non-elevated buildings with construction 
dates of October 1, 1981, and after are Submit-for-Rate 

Letters and numbers in parentheses, as (A8.c) or (C2.a), correspond 
to Section A or Section C of the Elevation Certificate 

NOTE: Above references may not apply to this page. 

Building Description One floor and finished or unfinished basement (See Elevation Certificate, Diagram 2) 
Machinery or Equipment 
Servicing Building 
With or without machinery or equipment in the basement 
Lowest Floor for Rating Top of bottom floor (including basement or enclosure) 
Application Should Show Building Type Two floors 
Basement Finished or unfinished 
Is Building Elevated? No 
Pre-FIRM Rating AO Zone: Use Pre-FIRM rate table with basement category. 
AH Zone: Use Pre-FIRM rate table with basement category. 
A Zone: Use Pre-FIRM rate table with basement category. 
Post-FIRM Rating Submit the application to the NFIP for a rate. 


NON-ELEVATED BUILDINGS 
PRE- AND POST-FIRM RISKS IN FLOOD ZONES A, AO, AND AH 

1 LF.Lowest Floor 4 HAG.Highest Adjacent Grade 
2 BFE.Base Flood Elevation 5 See page LFG 2 for optional elevation rating 
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction 
dates of October 1, 1981, and after are Submit-for-Rate 

Letters and numbers in parentheses, as (A8.c) or (C2.a), correspond 
to Section A or Section C of the Elevation Certificate 

NOTE: Above references may not apply to this page. 

LF (C2.a) 
Building Description One floor on slab (See Elevation Certificate, Diagram 1) 
Machinery or Equipment 
Servicing Building 
N/A 
Lowest Floor for Rating Top of bottom floor 
Application Should Show Building Type One floor 
Basement None 
Is Building Elevated? No 
Pre-FIRM Rating5 AO Zone: If difference between LF1 and HAG4 is equal to or greater than Base Flood Depth, use with certification rate. If not, use Pre-
FIRM rate table; no basement/enclosure category. 
AH Zone: If LF1 elevation is equal to or greater than BFE2, use with certification rate. If LF1 elevation is less than BFE2, use Pre-FIRM rate 
table. 
A Zone with estimated BFE2: If LF1 elevation is equal to or greater than the estimated BFE2, use Post-FIRM rate table with the estimated 
base flood elevation category. If LF1 elevation is less than BFE2, use Pre-FIRM rate table no basement/enclosure category. 
A Zone without estimated BFE2: If difference between the LF1 and HAG4 is 2 ft. or more, use Post-FIRM no estimated base flood 
elevation rate table. If the difference is 1 ft. or less, use Pre-FIRM rate table no basement/enclosure category. 
Post-FIRM Rating AO Zone: If difference between LF1 and HAG4 is equal to or greater than Base Flood Depth, use with certification rate. If not, use without 
certification rate. 
AH Zone: If LF1 elevation is greater than or equal to BFE2, use with certification rate. If not, use without certification rate. 
A Zone with estimated BFE2: Use Post-FIRM rate table with the estimated base flood elevation category. If LF1 elevation is 2 or more 
feet below the estimated BFE2, submit the application to the NFIP for a rate. 
A Zone without estimated BFE2: If difference between the LF1 and HAG4 is 1 ft. or more, use Post-FIRM rate table no estimated base 
flood elevation category. If difference is 0 or less, submit the application to the NFIP for a rate.

LFG 20 May 1, 2008 


LFG 21 May 1, 2008 

LF 
(C2.a) 
LF (C2.d) 
NON-ELEVATED BUILDINGS 
PRE- AND POST-FIRM RISKS IN FLOOD ZONES A, AO, AND AH 

1 4

LF.Lowest Floor HAG.Highest Adjacent Grade 

25

BFE.Base Flood Elevation See page LFG 2 for optional elevation rating 

36

 See page LFG 1 for explanation of proper openings Non-elevated buildings with construction 
dates of October 1, 1981, and after are Submit-for-Rate 

Letters and numbers in parentheses, as (A8.c) or (C2.a), correspond 
to Section A or Section C of the Elevation Certificate 

NOTE: Above references may not apply to this page. 

Building Description Two floors with garage on slab (See Elevation Certificate, Diagram 1) 
Machinery or Equipment 
Servicing Building 
Machinery or equipment in garage. 
Lowest Floor for Rating Top of finished floor if the garage is used for parking vehicle and storage and the machinery/equipment is at or above the BFE, or if the 
machinery/equipment is below the BFE and the garage is properly vented. 
Application Should Show Building TypeTwo floors 
BasementNone 
Is Building Elevated?No 
Pre-FIRM Rating5 AO Zone: If difference between LF1 AND HAG4 is equal to or greater than Base Flood Depth, use with certification rate. If not, use Pre-
FIRM rate table; no basement/enclosure category. 
AH Zone: If LF1 elevation is equal to or greater than BFE2, use with certification rate. If LF1 elevation is less than BFE2, use Pre-FIRM rate 
table. 
A Zone with estimated BFE2: If LF1 elevation is equal to or greater than the estimated BFE2, use Post-FIRM rate table with the estimated 
base flood elevation category. If LF1 elevation is less than BFE2, use Pre-FIRM rate table no basement/enclosure category. 
A Zone without estimated BFE2: If difference between the LF1 and HAG4 is 2 ft. or more, use Post-FIRM no estimated base flood 
elevation rate table. If the difference is 1 ft. or less, use Pre-FIRM rate table no basement/enclosure category. 
Post-FIRM Rating AO Zone: If difference between LF1 and HAG4 is equal to or greater than Base Flood Depth, use with certification rate. If not, use without 
certification rate. 
AH Zone: If LF1 elevation is greater than or equal to BFE2, use with certification rate. If not, use without certification rate. 
A Zone with estimated BFE2: Use Post-FIRM rate table with the estimated base flood elevation category. If LF1 elevation is 2 or more 
feet below the estimated BFE2, submit the application to the NFIP for a rate. 
A Zone without estimated BFE2: If difference between the LF1 and HAG4 is 1 ft. or more, use Post-FIRM rate table no estimated base 
flood elevation category. If difference is 0 or less, submit the application to the NFIP for a rate. 


NON-ELEVATED BUILDINGS 
PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30 

1 LF. Lowest Floor 4 HAG.Highest Adjacent Grade 
2 BFE.Base Flood Elevation 5 See page LFG 2 for optional elevation rating 
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction 
dates of October 1, 1981, and after are Submit-for-Rate 

Letters and numbers in parentheses, as (A8.c) or (C2.a), correspond 
to Section A or Section C of the Elevation Certificate 

NOTE: Above references may not apply to this page. 

LF (C2.a) 
Building Description One floor on slab (See Elevation Certificate, Diagram 1) 
Machinery or Equipment 
Servicing Building 
N/A 
Lowest Floor for Rating Top of bottom floor 
Application Should Show Building TypeOne floor 
BasementNone 
Is Building Elevated?No 
Pre-FIRM Rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate table no basement/enclosure category. If LF1 elevation is less than 
BFE2, use Pre-FIRM rate table no basement/enclosure category. 
Post-FIRM Rating Use Post-FIRM rate table no basement/enclosure category. If LF1 elevation is 2 or more feet below the BFE2, submit the application to the 
NFIP for a rate. 

LFG 22 May 1, 2008 


LFG 23 May 1, 2008 


NON-ELEVATED BUILDINGS 
PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30 

1 4

LF.Lowest Floor HAG.Highest Adjacent Grade 

25

BFE.Base Flood Elevation See page LFG 2 for optional elevation rating 

36

 See page LFG 1 for explanation of proper openings Non-elevated buildings with construction 
dates of October 1, 1981, and after are Submit-for-Rate 

Letters and numbers in parentheses, as (A8.c) or (C2.a), correspond 
to Section A or Section C of the Elevation Certificate 

NOTE: Above references may not apply to this page. 

Building Description Two floors on slab with attached garage (See Elevation Certificate, Diagram 1) 
Machinery or Equipment 
Servicing Building 
Machinery or equipment in garage 
Lowest Floor for Rating Top of finished floor if the garage is used for parking vehicle and storage and the machinery/equipment is at or above the BFE, or if the M/E is 
below the BFE and the garage is properly vented. 
Application Should Show Building Type Two floors 
Basement None 
Is Building Elevated? No 
Pre-FIRM Rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate table no basement/enclosure category. If LF1 elevation is less than 
BFE2, use Pre-FIRM rate table no basement/enclosure category. 
Post-FIRM Rating Use Post-FIRM rate table no basement/enclosure category. If LF1 elevation is 2 or more feet below the BFE2, submit the application to the 
NFIP for a rate. 


LFG 24 May 1, 2008 

LF 
(C2.a) 
NON-ELEVATED BUILDINGS 
PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30 

1 LF.Lowest Floor 4 HAG.Highest Adjacent Grade 
2 BFE.Base Flood Elevation 5 See page LFG 2 for optional elevation rating 
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction 
dates of October 1, 1981, and after are Submit-for-Rate 

Letters and numbers in parentheses, as (A8.c) or (C2.a), correspond 
to Section A or Section C of the Elevation Certificate 

NOTE: Above references may not apply to this page. 

Building Description Two floors and unfinished basement/subgrade crawl space. 
Basement/subgrade crawl space floor is no more than 2 feet below grade, and the distance between the basement/subgrade crawl space 
floor and the top of the next higher floor is no more than 5 feet. 
Machinery or Equipment 
Servicing Building 
With or without machinery or equipment 
Lowest Floor for Rating Basement/subgrade crawl space 
Application Should Show Building Type. Three or more floors 
Is Building Elevated?. No 
Basement Unfinished 
Pre-FIRM Rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate table with basement/enclosure category. If LF1 elevation is less 
than BFE2, use Pre-FIRM rate table with basement category. Pre-FIRM buildings with subgrade crawl space(s) may use optional Post-FIRM 
elevation rating provided that the lowest floor is below the Base Flood Elevation (BFE). The building must be reported statistically as a 
Submit-for-Rate using Risk Rating Method 2. Follow the procedures from the Specific Rating Guidelines for policy processing. 
Post-FIRM Rating Use Post-FIRM rate table with basement/enclosure category. If LF1 elevation is 1 or more feet below the BFE2, submit the application to the 
NFIP for a rate. See "G. Crawl Space" on page RATE 24. 


LFG 25 May 1, 2008 

LF 
(C2.a) 
NON-ELEVATED BUILDINGS 
PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30 

1 LF.Lowest Floor 4 HAG.Highest Adjacent Grade 
2 BFE.Base Flood Elevation 5 See page LFG 2 for optional elevation rating 
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction 
dates of October 1, 1981, and after are Submit-for-Rate 

Letters and numbers in parentheses, as (A8.c) or (C2.a), correspond 
to Section A or Section C of the Elevation Certificate 

NOTE: Above references may not apply to this page. 

Building Description Two floors and unfinished basement/subgrade crawl space. 
Basement/subgrade crawl space floor is subgrade more than 2 feet, or subgrade no more than 2 feet, but the distance between the 
basement/subgrade crawl space floor and the top of the next higher floor is more than 5 feet. 
Machinery or Equipment 
Servicing Building 
With or without machinery or equipment 
Lowest Floor for Rating Basement/subgrade crawl space 
Application Should Show Building Type. Three or more floors 
Is Building Elevated?. No 
Basement Unfinished 
Pre-FIRM Rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate table with basement/enclosure category. If LF1 elevation is less than 
BFE2, use Pre-FIRM rate table with basement category. Pre-FIRM buildings with subgrade crawl space(s) may use optional Post-FIRM 
elevation rating provided that the lowest floor is below the Base Flood Elevation (BFE). The building must be reported statistically as a Submit-
for-Rate using Risk Rating Method 2. Follow the procedures from the Specific Rating Guidelines for policy processing. 
Post-FIRM Rating Use Post-FIRM rate table with basement/enclosure category. If LF1 elevation is 2 or more feet below the BFE2, submit the application to the 
NFIP for a rate. 


LFG 26 May 1, 2008 

LF 
(C2.a) 
LF 
(C2.d) 
NON-ELEVATED BUILDINGS 
PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30 

1 LF.Lowest Floor 4 HAG.Highest Adjacent Grade 
2 BFE.Base Flood Elevation 5 See page LFG 2 for optional elevation rating 
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction 
dates of October 1, 1981, and after are Submit-for-Rate 

Letters and numbers in parentheses, as (A8.c) or (C2.a), correspond 
to Section A or Section C of the Elevation Certificate 

NOTE: Above references may not apply to this page. 

Building Description One floor with attached garage 
Garage is at lower elevation than principal building area (See Elevation Certificate, Diagram 1) 
Machinery or Equipment 
Servicing Building 
Machinery or equipment in garage 
Lowest Floor for Rating Top of slab of principal building area only if the garage is used for parking vehicle and storage and the machinery/equipment is at or above the 
BFE, or if the M/E is below the BFE and the garage is properly vented. 
Application Should Show Building Type One floor 
Basement None 
Is Building Elevated? No 
Pre-FIRM Rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate table no basement/enclosure category. If LF1 elevation is less than 
BFE2, use Pre-FIRM rate table no basement/enclosure category. 
Post-FIRM Rating Use Post-FIRM rate table no basement/enclosure category. If LF1 elevation is 2 or more feet below the BFE2, submit the application to the 
NFIP for a rate. 


LFG 27 May 1, 2008 

LF (C2.a) 
NON-ELEVATED BUILDINGS 
PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30 

1 LF.Lowest Floor 4 HAG.Highest Adjacent Grade 
2 BFE.Base Flood Elevation 5 See page LFG 2 for optional elevation rating 
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction 
dates of October 1, 1981, and after are Submit-for-Rate 

Letters and numbers in parentheses, as (A8.c) or (C2.a), correspond 
to Section A or Section C of the Elevation Certificate 

NOTE: Above references may not apply to this page. 

Building Description Split level with unfinished or finished basement (See Elevation Certificate, Diagram 4) 
Machinery or Equipment 
Servicing Building 
With or without machinery or equipment in basement 
Lowest Floor for Rating Top of bottom floor (including basement) 
Application Should Show Building Type Split level 
Basement Finished or unfinished 
Is Building Elevated? No 
Pre-FIRM Rating5 If LF1 elevation is equal to or greater than the BFE, use Post-FIRM rate table with basement/enclosure category. If LF1 elevation is less than 
BFE2, use Pre-FIRM rate table with basement category. 
Post-FIRM Rating Use Post-FIRM rate table with basement/enclosure category. If LF1 elevation is 2 or more feet below the BFE2, submit the application to the 
NFIP for a rate. 


 LFG 28 May 1, 2008 

LF (C2.a) 
(WITH WALKOUT AT 
GROUND LEVEL)
ELEVATED BUILDINGS 
PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30 

1 LF.Lowest Floor 4 HAG.Highest Adjacent Grade 
2 BFE.Base Flood Elevation 5 See page LFG 2 for optional elevation rating 
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction 
dates of October 1, 1981, and after are Submit-for-Rate 

Letters and numbers in parentheses, as (A8.c) or (C2.a), correspond 
to Section A or Section C of the Elevation Certificate 

NOTE: Above references may not apply to this page. 

Building Description Two floors with walkout at ground level 
Lower floor is not below grade on all sides 
Principal use of the building is on the elevated floor (See Elevation Certificate, Diagram 7) 
Elevating Foundation of 
Building 
Solid perimeter walls 
Type of Enclosure Load-bearing walls 
No openings 
Finished or unfinished lower level 
Machinery or Equipment 
Servicing Building 
With or without machinery or equipment at ground level 
Lowest Floor for Rating Top of bottom floor (enclosure) 
Application Should Show Building Type  Two floors 
Is Building Elevated?  Yes 
Is area below the elevated floor enclosed?  Yes 
Pre-FIRM Rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate table with basement/enclosure category. If LF1 elevation is less 
than BFE2, use Pre-FIRM rate table with enclosure category. 
Post-FIRM Rating Use Post-FIRM rate table with basement/enclosure category. If LF1 elevation is 1 or more feet below the BFE2, submit the application to the 
NFIP for a rate. 


 LFG 29 May 1, 2008 

LF (C2.a)
ELEVATED BUILDINGS 
PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30 

1 4

LF. Lowest Floor HAG.Highest Adjacent Grade 

25

BFE.Base Flood Elevation See page LFG 2 for optional elevation rating 

36

 See page LFG 1 for explanation of proper openings Non-elevated buildings with construction 
dates of October 1, 1981, and after are Submit-for-Rate 

Letters and numbers in parentheses, as (A8.c) or (C2.a), correspond 
to Section A or Section C of the Elevation Certificate 

NOTE: Above references may not apply to this page. 

Building Description One floor without enclosed area (See Elevation Certificate, Diagram 5) 
Elevating Foundation of 
Building 
Piers, posts, piles, or columns 
Type of Enclosure No enclosure 
Machinery or Equipment 
Servicing Building 
With or without machinery or equipment below the lowest elevated floor 
Lowest Floor for Rating Top of lowest elevated floor 
Application Should Show Building Type One floor 
Is Building Elevated? Yes 
Is area below the elevated floor enclosed? No 
Pre-FIRM Rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate table no basement/enclosure category. If LF1 elevation is less than 
BFE2, use Pre-FIRM rate table no basement/enclosure category. 
Post-FIRM Rating Use Post-FIRM rate table no basement/enclosure category. If LF1 elevation is 2 or more feet below the BFE2, submit the application to the 
NFIP for a rate. 


ELEVATED BUILDINGS 
PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30 

1 LF.Lowest Floor 4 HAG.Highest Adjacent Grade 
2 BFE.Base Flood Elevation 5 See page LFG 2 for optional elevation rating 
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction 
dates of October 1, 1981, and after are Submit-for-Rate 

Letters and numbers in parentheses, as (A8.c) or (C2.a), correspond 
to Section A or Section C of the Elevation Certificate 

NOTE: Above references may not apply to this page. 

LF (C2.b) 
OPENINGS 
(A8.c)
Building Description One floor and unfinished enclosed area (See Elevation Certificate, Diagram 6) 
Elevating Foundation of 
Building 
Piers, posts, piles, or columns 
Type of Enclosure Designed with proper openings3 
Machinery or Equipment 
Servicing Building 
With or without machinery or equipment 
Lowest Floor for Rating Top of the next higher floor (elevated floor) 
Application Should Show Building Type One floor 
Is Building Elevated? Yes 
Is area below the elevated floor enclosed? No 
Pre-FIRM Rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate table no basement/enclosure category. If LF1 elevation is less than 
BFE2, use Pre-FIRM rate table no basement/enclosure category. 
Post-FIRM Rating Use Post-FIRM rate table no basement/enclosure category. If LF1 elevation is 2 or more feet below the BFE2, submit the application to the 
NFIP for a rate. 

LFG 30 May 1, 2008 


LFG 31 May 1, 2008 

Letters and numbers in parentheses, as (A8.c) or (C2.a), correspond 
to Section A or Section C of the Elevation Certificate 
LF 
(C2.a) 
ELEVATED BUILDINGS 
PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30 

1 LF.Lowest Floor 4 HAG.Highest Adjacent Grade 
2 BFE.Base Flood Elevation 5 See page LFG 2 for optional elevation rating 
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction 
dates of October 1, 1981, and after are Submit-for-Rate 

NOTE: Above references may not apply to this page. 

Building Description Two floors and unfinished enclosed area 
Elevating Foundation of 
Building 
Solid load-bearing walls. No openings 
Type of Enclosure Unfinished crawl space. Attached garage at lower level than crawl space; garage above lowest adjacent grade 
Machinery or Equipment 
Servicing Building 
With or without machinery or equipment 
Lowest Floor for Rating Top of bottom floor (garage) 
Application Should Show Building Type. Three or more floors 
Is Building Elevated?. Yes 
Is area below the elevated floor enclosed?. Yes 
Pre-FIRM Rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate table with basement/enclosure category. 
If LF1 elevation is less than the BFE2, use Pre-FIRM rate table with enclosure category. 
Post-FIRM Rating Use Post-FIRM rate table with basement/enclosure category. If LF1 elevation is 1 or more feet below the BFE2, submit the application to the 
NFIP for a rate. 


 LFG 32 
May 1, 2008 

LF (C2.a) 
ELEVATED BUILDINGS 
PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30 

1 4

LF. Lowest Floor HAG.Highest Adjacent Grade 

2 5

BFE.Base Flood Elevation See page LFG 2 for optional elevation rating 

3 6

 See page LFG 1 for explanation of proper openings Non-elevated buildings with construction 
dates of October 1, 1981, and after are Submit-for-Rate 

Letters and numbers in parentheses, as (A8.c) or (C2.a), correspond 
to Section A or Section C of the Elevation Certificate 

NOTE: Above references may not apply to this page. 

Building Description One floor and finished or unfinished enclosed area (See Elevation Certificate, Diagram 6) 
Elevating Foundation of 
Building 
Piers, posts, piles, or columns 
Type of Enclosure Nonload-bearing walls 
No openings3 
Machinery or Equipment 
Servicing Building 
With or without machinery or equipment 
Lowest Floor for Rating Top of bottom floor (including basement or enclosure) 
Application Should Show Building Type Two floors 
Is Building Elevated? Yes 
Is area below the elevated floor enclosed?Yes 
Pre-FIRM Rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate table with basement/enclosure category. If LF1 elevation is less 
than BFE2, use Pre-FIRM rate table with enclosure category. 
Post-FIRM Rating Use Post-FIRM rate table with basement/enclosure category. If LF1 elevation is 1 or more feet below the BFE2, submit the application to the 
NFIP for a rate. 


 LFG 33 May 1, 2008 

LF (C2.a) 
ELEVATED BUILDINGS 
PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30 

1 4

LF.Lowest Floor HAG.Highest Adjacent Grade 

25

BFE.Base Flood Elevation See page LFG 2 for optional elevation rating 

36

 See page LFG 1 for explanation of proper openings Non-elevated buildings with construction 
dates of October 1, 1981, and after are Submit-for-Rate 

Letters and numbers in parentheses, as (A8.c) or (C2.a), correspond 
to Section A or Section C of the Elevation Certificate 

NOTE: Above references may not apply to this page. 

Building Description One floor and unfinished enclosed area (See Elevation Certificate, Diagram 7) 
Elevating Foundation of 
Building 
Solid perimeter load-bearing walls 
Type of Enclosure Unfinished enclosure 
No proper openings3 
Machinery or Equipment 
Servicing Building 
With or without machinery or equipment 
Lowest Floor for Rating Top of bottom floor (including basement or enclosure) 
Application Should Show Building Type Two floors 
Is Building Elevated? Yes 
Is area below the elevated floor enclosed? Yes 
Pre-FIRM Rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate table with basement/enclosure category. If LF1 elevation is less 
than BFE2, use Pre-FIRM rate table with enclosure category. 
Post-FIRM Rating Use Post-FIRM rate table with basement/enclosure category. If LF1 elevation is 1 or more feet below the BFE2, submit the application to the 
NFIP for a rate. 


 LFG 34 May 1, 2008 

LF (C2.a) 
LF (C2.a) 
ELEVATED BUILDINGS 
PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30 

1 4

LF.Lowest Floor HAG.Highest Adjacent Grade 

25

BFE.Base Flood Elevation See page LFG 2 for optional elevation rating 

36

 See page LFG 1 for explanation of proper openings Non-elevated buildings with construction 
dates of October 1, 1981, and after are Submit-for-Rate 

Letters and numbers in parentheses, as (A8.c) or (C2.a), correspond 
to Section A or Section C of the Elevation Certificate 

NOTE: Above references may not apply to this page. 

Building Description Two floors with crawl space (See Elevation Certificate, Diagram 8) 
Elevating Foundation of 
Building 
Solid or partial perimeter walls 
Type of Enclosure Enclosed garage at same level as crawl space 
Unfinished crawl space without proper openings3 
Floor of crawl space is at or above lowest adjacent grade 
Machinery or Equipment 
Servicing Building 
With or without machinery or equipment 
Lowest Floor for Rating Floor of crawl space and garage 
Application Should Show Building Type Three or more floors 
Is Building Elevated? Yes 
Is area below the elevated floor enclosed? Yes 
Pre-FIRM Rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate table with basement/enclosure category. If LF1 elevation is less 
than BFE2, use Pre-FIRM rate table with enclosure category. 
Post-FIRM Rating Use Post-FIRM rate table with basement/enclosure category. If LF1 elevation is 1 or more feet below the BFE2, submit the application to the 
NFIP for a rate.


ELEVATED BUILDINGS 
PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30 

1 LF.Lowest Floor 4 HAG.Highest Adjacent Grade 
2 BFE.Base Flood Elevation 5 See page LFG 2 for optional elevation rating 
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction 
dates of October 1, 1981, and after are Submit-for-Rate 

OPENINGS 
(A8.c), (A9.c)LF (C2.b)
Letters and numbers in parentheses, as (A8.c) or (C2.a), correspond 
to Section A or Section C of the Elevation Certificate 

NOTE: Above references may not apply to this page. 

Building Description Two floors with crawl space (See Elevation Certificate, Diagram 8) 
Elevating Foundation of 
Building 
Solid or partial perimeter walls 
Type of Enclosure Unfinished crawl space and garage designed with proper openings3 
Floor of crawl space is at or above lowest adjacent grade 
Garage at same level as crawl space 
Machinery or Equipment 
Servicing Building 
Without machinery or equipment in crawl space 
Lowest Floor for Rating Top of next higher floor 
Application Should Show Building Type Two floors 
Is Building Elevated? Yes 
Is area below the elevated floor enclosed? No 
Pre-FIRM Rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate table no basement/enclosure category. If LF1 elevation is less than 
BFE2, use Pre-FIRM rate table no basement/enclosure category. 
Post-FIRM Rating Use Post-FIRM rate table no basement/enclosure category. If LF1 elevation is 2 or more feet below the BFE2, submit the application to the 
NFIP for a rate. 

LFG 35 May 1, 2008 


 LFG 36 May 1, 2008 

OPENINGS 
(A8.c) LF (C2.b)
ELEVATED BUILDINGS 
PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30 

1 LF.Lowest Floor 4 HAG.Highest Adjacent Grade 
2 BFE.Base Flood Elevation 5 See page LFG 2 for optional elevation rating 
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction 
dates of October 1, 1981, and after are Submit-for-Rate 

Letters and numbers in parentheses, as (A8.c) or (C2.a), correspond 
to Section A or Section C of the Elevation Certificate 

NOTE: Above references may not apply to this page. 

Building Description Two floors with crawl space (See Elevation Certificate, Diagram 8) 
Elevating Foundation of 
Building 
Solid or partial perimeter walls 
Type of Enclosure Unfinished crawl space designed with proper openings3 
Floor of crawl space is at or above lowest adjacent grade 
Machinery or Equipment 
Servicing Building 
With or without machinery or equipment in crawl space 
Lowest Floor for Rating Top of next higher floor 
Application Should Show Building Type Two floors 
Is Building Elevated? Yes 
Is area below the elevated floor enclosed? No 
Pre-FIRM Rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate table no basement/enclosure category. If LF1 elevation is less than 
BFE2, use Pre-FIRM rate table no basement/enclosure category. 
Post-FIRM Rating Use Post-FIRM rate table no basement/enclosure category. If LF1 elevation is 2 or more feet below the BFE2, submit the application to the 
NFIP for a rate. 


ELEVATED BUILDINGS 
PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30 

1 LF.Lowest Floor 4 HAG.Highest Adjacent Grade 
2 BFE.Base Flood Elevation 5 See page LFG 2 for optional elevation rating 
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction 
dates of October 1, 1981, and after are Submit-for-Rate 

LF 
(C2.a)
Letters and numbers in parentheses, as (A8.c) or (C2.a), correspond 
to Section A or Section C of the Elevation Certificate 

NOTE: Above references may not apply to this page. 

Building Description Two floors with crawl space (See Elevation Certificate, Diagram 8) 
Elevating Foundation of 
Building 
Solid or partial perimeter walls 
Type of Enclosure Unfinished crawl space without proper openings3 
Floor of crawl space is at or above lowest adjacent grade 
Machinery or Equipment 
Servicing Building 
With or without machinery or equipment 
Lowest Floor for Rating Top of bottom floor (crawl space) 
Application Should Show Building Type Three or more floors 
Is Building Elevated? Yes 
Is area below the elevated floor enclosed? Yes 
Pre-FIRM Rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate table with basement/enclosure category. If LF1 elevation is less 
than BFE2, use Pre-FIRM rate table with enclosure category. 
Post-FIRM Rating Use Post-FIRM rate table with basement/enclosure category. If LF1 elevation is 1 or more feet below the BFE2, submit the application to the 
NFIP for a rate. 

LFG 37 May 1, 2008 


LF 
(C2.a) 
ELEVATED BUILDINGS 
PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30 

1 4

LF.Lowest Floor HAG.Highest Adjacent Grade 

2 5

BFE.Base Flood Elevation See page LFG 2 for optional elevation rating 

3 6

See page LFG 1 for explanation of proper openings Non-elevated buildings with construction 
dates of October 1, 1981, and after are Submit-for-Rate 

Letters and numbers in parentheses, as (A8.c) or (C2.a), correspond 
to Section A or Section C of the Elevation Certificate 

NOTE: Above references may not apply to this page. 

Building Description Mobile home without enclosed area 
Elevating Foundation of 
Building 
Piers, posts, piles, or columns 
Type of Enclosure Vinyl skirting 
Machinery or Equipment 
Servicing Building 
With or without machinery or equipment below elevated floor 
Lowest Floor for Rating Top of lowest elevated floor 
Application Should Show Building Type. Mobile home 
Is Building Elevated?. Yes 
Is area below the elevated floor enclosed?. No 
Pre-FIRM Rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate if favorable. Manufactured (Mobile) Home rates must be used. If LF1 
elevation is less than BFE2, use Pre-FIRM rate table no basement/enclosure category. 
Post-FIRM Rating Use Post-FIRM Manufactured (Mobile) Home rates. If LF1 elevation is 1 or more feet below the BFE2, submit the application to the NFIP for a 
rate. 

LFG 38 May 1, 2008 


 LFG 39 May 1, 2008 

LF (C2.c)
NON-ELEVATED BUILDINGS 
PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 
TO SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1-V306 

1 LF.Lowest Floor 4 
HAG.Highest Adjacent Grade 
2 BFE.Base Flood Elevation 5 See page LFG 2 for optional elevation rating 
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction 
dates of October 1, 1981, and after are Submit-for-Rate 

Letters and numbers in parentheses, as (A8.c) or (C2.a), correspond 
to Section A or Section C of the Elevation Certificate 

NOTE: Above references may not apply to this page. 

Building Description One floor 
No basement (See Elevation Certificate, Diagram 1) 
Lowest Floor for Rating Bottom of slab 
In V zones, the lowest floor for rating should reflect the bottom of the lowest horizontal structural member. If the surveyor used item C2.a in 
lieu of C2.c of the Elevation Certificate, and the top of the bottom floor is at or above grade, deduct (for 1-4 family residences) 12 inches from 
the elevation figure found in item C2.a. For buildings other than 1-4 family, deduct 18 inches from the elevation figure found in item C2.a. 
Application Should Show Building Type One floor 
Basement None 
Is Building Elevated? No 
Pre-FIRM Rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate if favorable. Use no basement/enclosure rate category. If LF1 
elevation is less than the BFE2, use Pre-FIRM rate table no basement/enclosure category. 
Post-FIRM Rating 1975 to 
September 30, 1981 
Construction Date 
Use Post-FIRM 75-81 VE, V1-V30 Zone no basement/enclosure rates. If LF1 elevation is 2 or more feet below the BFE2, submit the 
application to the NFIP for a rate.


 LFG 40 May 1, 2008 

LF (C2.a) 
LF (C2.d) 
NON-ELEVATED BUILDINGS 
PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 
TO SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1-V306 

1 LF.Lowest Floor 4 HAG.Highest Adjacent Grade 
2 BFE.Base Flood Elevation 5 See page LFG 2 for optional elevation rating 
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction 
dates of October 1, 1981, and after are Submit-for-Rate 

Letters and numbers in parentheses, as (A8.c) or (C2.a), correspond 
to Section A or Section C of the Elevation Certificate 

NOTE: Above references may not apply to this page. 

Building Description One floor with attached garage 
Garage is at lower elevation than principal building area (See Elevation Certificate, Diagram 1) 
Lowest Floor for Rating In V zones, the lowest floor for rating should reflect the bottom of the slab. If the surveyor used item C2. a or d (attached garage/top of slab) 
in lieu of C2.c of the Elevation Certificate, and the top of the bottom floor is at or above the lowest adjacent grade (C2.f), deduct (for 1-4 family 
residences) 12 inches from the elevation figure found in item C2. a or d, whichever is lower. For buildings other than 1-4 family, deduct 18 
inches from the elevation figure found in item C2. a or d, whichever is lower. 
Application Should Show Building Type One floor 
Basement None 
Is Building Elevated? No 
Pre-FIRM Rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate if favorable. Use no basement/enclosure rate category. If LF1 
elevation is less than the BFE2, use Pre-FIRM rate table no basement/enclosure category. 
Post-FIRM Rating 1975 to 
September 30, 1981 
Construction Date 
Use Post-FIRM 75-81 VE, V1-V30 Zone no basement/enclosure rates. If LF1 elevation is 2 or more feet below the BFE2, submit the 
application to the NFIP for a rate. 


 LFG 41 May 1, 2008 

 LF (C2.c)
NON-ELEVATED BUILDINGS 
PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 
TO SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1-V306 

1 LF.Lowest Floor 4 
HAG.Highest Adjacent Grade 
2 BFE.Base Flood Elevation 5 See page LFG 2 for optional elevation rating 
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction 
dates of October 1, 1981, and after are Submit-for-Rate 

Letters and numbers in parentheses, as (A8.c) or (C2.a), correspond 
to Section A or Section C of the Elevation Certificate 

NOTE: Above references may not apply to this page. 

Building Description Three floors 
Finished basement (See Elevation Certificate, Diagram 2) 
Lowest Floor for Rating Bottom of slab (basement) 
In V zones, the lowest floor for rating should reflect the bottom of the lowest horizontal structural member. If the surveyor used item C2.a in 
lieu of C2.c of the Elevation Certificate, and the top of the bottom floor is indicated in the Elevation Certificate, deduct (for 1-4 family 
residences) 12 inches from the elevation figure found in item C2.a. For buildings other than 1-4 family, deduct 18 inches from the elevation 
figure found in item C2.a. 
Application Should Show Building Type Three or more floors 
Basement Finished 
Is Building Elevated? No 
Pre-FIRM Rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate if favorable. Use with basement/enclosure rate category. If LF1 
elevation is less than the BFE2, use Pre-FIRM rate table with basement category. 
Post-FIRM Rating 1975 to 
September 30, 1981 
Construction Date 
Use Post-FIRM 75-81 VE, V1-V30 Zone with basement/enclosure rates. If LF1 elevation is 2 or more feet below the BFE2, submit the 
application to the NFIP for a rate. 


 LFG 42 May 1, 2008 

LF (C2.c) 
NON-ELEVATED BUILDINGS 
PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 
TO SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1-V306 

1 LF.Lowest Floor 4 
HAG.Highest Adjacent Grade 
2 BFE.Base Flood Elevation 5 See page LFG 2 for optional elevation rating 
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction 
dates of October 1, 1981, and after are Submit-for-Rate 

Letters and numbers in parentheses, as (A8.c) or (C2.a), correspond 
to Section A or Section C of the Elevation Certificate 

NOTE: Above references may not apply to this page. 

Building Description Split level 
Unfinished basement (See Elevation Certificate, Diagram 4) 
Lowest Floor for Rating Bottom of slab (basement) 
In V zones, the lowest floor for rating should reflect the bottom of the lowest horizontal structural member. If the surveyor used item C2.a in 
lieu of C2.c of the Elevation Certificate, and the top of the bottom floor is indicated in the Elevation Certificate, deduct (for 1-4 family 
residences) 12 inches from the elevation figure found in item C2.a. For buildings other than 1-4 family, deduct 18 inches from the elevation 
figure found in item C2.a. 
Application Should Show Building Type Split level 
Basement Unfinished 
Is Building Elevated? No 
Pre-FIRM Rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate if favorable. Use with basement/enclosure rate category. If LF1 
elevation is less than the BFE2, use Pre-FIRM rate table with basement category. 
Post-FIRM Rating 1975 to 
September 30, 1981 
Construction Date 
Use Post-FIRM 75-81 VE, V1-V30 Zone with basement/enclosure rates. If LF1 elevation is 2 or more feet below the BFE2, submit the 
application to the NFIP for a rate. 


LFG 43 May 1, 2008 

LF (C2.c) 
(WITH WALKOUT AT 
GROUND LEVEL) 
ELEVATED BUILDINGS 
PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 
TO SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1-V30 

1 LF.Lowest Floor 4 HAG.Highest Adjacent Grade 
2 BFE.Base Flood Elevation 5 See page LFG 2 for optional elevation rating 
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction 
dates of October 1, 1981, and after are Submit-for-Rate 

Letters and numbers in parentheses, as (A8.c) or (C2.a), correspond 
to Section A or Section C of the Elevation Certificate 

NOTE: Above references may not apply to this page. 

Building Description Two floors with walkout at ground level 
Lower floor is not below grade on all sides 
Principal use of the building is on the elevated floor (See Elevation Certificate, Diagram 7) 
Elevating Foundation of 
Building 
Solid perimeter walls 
Type of Enclosure Finished or unfinished lower level 
Machinery or Equipment 
Servicing Building 
With or without machinery or equipment below elevated floor 
Lowest Floor for Rating Bottom of slab 
In V zones, the lowest floor for rating should reflect the bottom of the lowest horizontal structural member. If the surveyor used item C2.a in lieu 
of C2.c of the Elevation Certificate, and the top of the bottom floor is at or above the lowest adjacent grade (C2.f), deduct (for 1-4 family 
residences) 12 inches from the elevation figure found in item C2.a. For buildings other than 1-4 family, deduct 18 inches from the elevation 
figure found in item C2.a. 
Application Should Show Building Type  Two floors 
Is Building Elevated?  Yes 
Is area below the elevated floor enclosed?  Yes 
Pre-FIRM Rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate if favorable. Use with basement/enclosure rate category. If LF1 
elevation is less than BFE2, use Pre-FIRM rate table with enclosure category. 
Post-FIRM Rating Use Post-FIRM rate table with basement/enclosure category. If LF1 elevation is 1 or more feet below the BFE2, submit the application to the 
NFIP for a rate. 


 LFG 44 May 1, 2008 

LF (C2.c) 
ELEVATED BUILDINGS 
PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 
TO SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1-V30 

1 4

LF.Lowest Floor HAG.Highest Adjacent Grade 

25

BFE.Base Flood Elevation See page LFG 2 for optional elevation rating 

36

 See page LFG 1 for explanation of proper openings Non-elevated buildings with construction 
dates of October 1, 1981, and after are Submit-for-Rate 

Letters and numbers in parentheses, as (A8.c) or (C2.a), correspond 
to Section A or Section C of the Elevation Certificate 

NOTE: Above references may not apply to this page. 

Building Description One floor without enclosed area (See Elevation Certificate, Diagram 5) 
Elevating Foundation of 
Building 
Piers, posts, piles, or columns 
Type of Enclosure The space below the lowest elevated floor either has no enclosure or has: 
(1) Insect screening, provided that no additional supports are required for the screening; or 
(2) Wooden or plastic lattice with at least 40 percent of its area open and made of material no thicker than  inch; or 
(3) Wooden or plastic slats or shutters with at least 40 percent of their area open and made of material no thicker than 1 inch. 
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. 
Machinery or Equipment 
Servicing Building 
With or without machinery or equipment below elevated floor 
Lowest Floor for Rating Bottom of lowest horizontal structural member 
Application Should Show Building Type One floor 
Is Building Elevated? Yes 
Is area below the elevated floor enclosed? No 
Pre-FIRM Rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate if favorable. Use no basement/enclosure rate category. If LF1 
elevation is less than BFE2, use Pre-FIRM rate table no basement/enclosure category. 
Post-FIRM Rating Use Post-FIRM 75-81 VE, V1-V30 Zone no basement/enclosure rates. If LF1 elevation is 2 or more feet below the BFE2, submit the 
application to the NFIP for a rate. 


LF 
(C2.c) 
ELEVATED BUILDINGS 
PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 
TO SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1-V30 

1 4

LF.Lowest Floor HAG.Highest Adjacent Grade 

2 5

BFE.Base Flood Elevation See page LFG 2 for optional elevation rating 

3 6

See page LFG 1 for explanation of proper openings Non-elevated buildings with construction 
dates of October 1, 1981, and after are Submit-for-Rate 

Letters and numbers in parentheses, as (A8.c) or (C2.a), correspond 
to Section A or Section C of the Elevation Certificate 

NOTE: Above references may not apply to this page. 

Building Description Mobile home without enclosed area 
Elevating Foundation of 
Building 
Piers, posts, piles, or columns 
Type of Enclosure Vinyl skirting 
Machinery or Equipment 
Servicing Building 
With or without machinery or equipment below elevated floor 
Lowest Floor for Rating Bottom of lowest horizontal structural member 
Application Should Show Building Type. Mobile home 
Is Building Elevated?. Yes 
Is area below the elevated floor enclosed?. No 
Pre-FIRM Rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate if favorable. Manufactured (Mobile) Home rates must be used. If LF1 
elevation is less than the BFE2, use Pre-FIRM rate table no basement/enclosure category. 
Post-FIRM Rating Use Post-FIRM 75-81 VE, V1-V30 zone Manufactured (Mobile) Home rates. If LF1 elevation is 1 or more feet below the BFE2, submit the 
application to the NFIP for a rate. 

LFG 45 May 1, 2008 


LFG 46 May 1, 2008 

LF (C2.c) 
ELEVATED BUILDINGS 
PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 
TO SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1-V30 

1 4

LF.Lowest Floor HAG.Highest Adjacent Grade 

25

BFE.Base Flood Elevation See page LFG 2 for optional elevation rating 

36

 See page LFG 1 for explanation of proper openings Non-elevated buildings with construction 
dates of October 1, 1981, and after are Submit-for-Rate 

Letters and numbers in parentheses, as (A8.c) or (C2.a), correspond 
to Section A or Section C of the Elevation Certificate 

NOTE: Above references may not apply to this page. 

Building Description One floor and unfinished enclosed area (See Elevation Certificate, Diagram 6) 
Elevating Foundation of 
Building 
Piers, posts, piles, or columns 
Type of Enclosure Enclosure (total area less than 300 sq. ft.) with breakaway walls 
Machinery or Equipment 
Servicing Building 
No machinery or equipment below elevated floor 
Lowest Floor for Rating Bottom of lowest horizontal structural member 
Application Should Show Building Type One floor 
Is Building Elevated? Yes 
Is area below the elevated floor enclosed? No 
Pre-FIRM Rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate if favorable. Use no basement/enclosure rate category. If LF1 
elevation is less than BFE2, use Pre-FIRM rate table with enclosure category and describe the building as an elevated building with enclosure. 
Post-FIRM Rating Use Post-FIRM 75-81 VE, V1-V30 Zone no basement/enclosure rate category. If LF1 elevation is 2 or more feet below the BFE2, submit the 
application to the NFIP for a rate. 


 LFG 47 May 1, 2008 

LF 
(C2.c)
ELEVATED BUILDINGS 
PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 
TO SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1-V30 

1 4

LF.Lowest Floor HAG.Highest Adjacent Grade 

25

BFE.Base Flood Elevation See page LFG 2 for optional elevation rating 

36

 See page LFG 1 for explanation of proper openings Non-elevated buildings with construction 
dates of October 1, 1981, and after are Submit-for-Rate 

Letters and numbers in parentheses, as (A8.c) or (C2.a), correspond 
to Section A or Section C of the Elevation Certificate 

NOTE: Above references may not apply to this page. 

Building Description One floor and unfinished enclosed area (See Elevation Certificate, Diagram 6) 
Elevating Foundation of 
Building 
Piers, posts, piles, or columns 
Type of Enclosure Enclosure (total area less than 300 sq. ft.) with breakaway walls 
Machinery or Equipment 
Servicing Building 
With machinery or equipment below elevated floor 
Lowest Floor for Rating Bottom of slab 
In V zones, the lowest floor for rating should reflect the bottom of the lowest horizontal structural member. If the surveyor used item C2.a in 
lieu of C2.c of the Elevation Certificate, and the top of the bottom floor is at or above the lowest adjacent grade (C2.f), deduct (for 1-4 family 
residences) 12 inches from the elevation figure found in item C2.a. For buildings other than 1-4 family, deduct 18 inches from the elevation 
figure found in item C2.a. 
Application Should Show Building Type Two floors 
Is Building Elevated? Yes 
Is area below the elevated floor enclosed? Yes 
Pre-FIRM Rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate if favorable. Use with basement/enclosure rate category. If LF1 
elevation is less than BFE2, use Pre-FIRM rate table with enclosure category. 
Post-FIRM Rating Use Post-FIRM 75-81 VE, V1-V30 Zone with basement/enclosure rate category. If LF1 elevation is 1 or more feet below the BFE2, submit 
the application to the NFIP for a rate. 


 LFG 48 May 1, 2008 

LF (C2.c)
ELEVATED BUILDINGS 
PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 
TO SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1-V30 

1 4

LF.Lowest Floor HAG.Highest Adjacent Grade 

25

BFE.Base Flood Elevation See page LFG 2 for optional elevation rating 

36

 See page LFG 1 for explanation of proper openings Non-elevated buildings with construction 
dates of October 1, 1981, and after are Submit-for-Rate 

Letters and numbers in parentheses, as (A8.c) or (C2.a), correspond 
to Section A or Section C of the Elevation Certificate 

NOTE: Above references may not apply to this page. 

Building Description One floor and finished or unfinished enclosed area (See Elevation Certificate, Diagram 6) 
Elevating Foundation of 
Building 
Piers, posts, piles, or columns 
Type of Enclosure Enclosure (total area 300 sq. ft. or more) with nonbreakaway walls or with breakaway walls 
Machinery or Equipment 
Servicing Building 
With or without machinery or equipment below elevated floor 
Lowest Floor for Rating Bottom of slab 
In V zones, the lowest floor for rating should reflect the bottom of the lowest horizontal structural member. If the surveyor used item C2.a in 
lieu of C2.c of the Elevation Certificate, and the top of the bottom floor is at or above the lowest adjacent grade (C2.f), deduct (for 1-4 family 
residences) 12 inches from the elevation figure found in item C2.a. For buildings other than 1-4 family, deduct 18 inches from the elevation 
figure found in item C2.a. 
Application Should Show Building Type Two floors 
Is Building Elevated? Yes 
Is area below the elevated floor enclosed? Yes 
Pre-FIRM Rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate if favorable. Use with basement/enclosure rate category. If LF1 
elevation is less than BFE2, use Pre-FIRM rate table with enclosure category. 
Post-FIRM Rating Use Post-FIRM 75-81 VE, V1-V30 Zone with basement/enclosure rate category. If LF1 elevation is 1 or more feet below the BFE2, submit 
the application to the NFIP for a rate. 


 LFG 49 May 1, 2008 

LF (C2.c)
ELEVATED BUILDINGS 
PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 
TO SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1-V30 

1 4

LF.Lowest Floor HAG.Highest Adjacent Grade 

25

BFE.Base Flood Elevation See page LFG 2 for optional elevation rating 

36

 See page LFG 1 for explanation of proper openings Non-elevated buildings with construction 
dates of October 1, 1981, and after are Submit-for-Rate 

Letters and numbers in parentheses, as (A8.c) or (C2.a), correspond 
to Section A or Section C of the Elevation Certificate 

NOTE: Above references may not apply to this page. 

Building Description One floor and finished or unfinished enclosed area (See Elevation Certificate, Diagram 6) 
Elevating Foundation of 
Building 
Shear walls parallel to the expected flow of floodwaters 
Type of Enclosure Both ends enclosed with nonbreakaway walls or breakaway walls (total enclosed area 300 sq. ft. or more) 
Machinery or Equipment 
Servicing Building 
With or without machinery or equipment below elevated floor 
Lowest Floor for Rating Bottom of slab 
In V zones, the lowest floor for rating should reflect the bottom of the lowest horizontal structural member. If the surveyor used item C2.a in 
lieu of C2.c of the Elevation Certificate, and the top of the bottom floor is at above the lowest adjacent grade (C2.f), deduct (for 1-4 family 
residences) 12 inches from the elevation figure found in item C2.a. For buildings other than 1-4 family, deduct 18 inches from the elevation 
figure found in item C2.a. 
Application Should Show Building Type Two floors 
Is Building Elevated? Yes 
Is area below the elevated floor enclosed? Yes 
Pre-FIRM Rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate if favorable. Use with basement/enclosure rate category. If LF1 
elevation is less than BFE2, use Pre-FIRM rate table with enclosure category. 
Post-FIRM Rating Use Post-FIRM 75-81 VE, V1-V30 Zone with basement/enclosure rate category. If LF1 elevation is 1 or more feet below the BFE2, submit 
the application to the NFIP for a rate. 


 LFG 50 May 1, 2008 

LF (C2.c)
ELEVATED BUILDINGS 
PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 
TO SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1-V30 

1 4

LF.Lowest Floor HAG.Highest Adjacent Grade 

25

BFE.Base Flood Elevation See page LFG 2 for optional elevation rating 

36

 See page LFG 1 for explanation of proper openings Non-elevated buildings with construction 
dates of October 1, 1981, and after are Submit-for-Rate 

Letters and numbers in parentheses, as (A8.c) or (C2.a), correspond 
to Section A or Section C of the Elevation Certificate 

NOTE: Above references may not apply to this page. 

Building Description One floor and finished or unfinished enclosed area (See Elevation Certificate, Diagram 7) 
Elevating Foundation of 
Building 
Solid perimeter load-bearing walls 
Type of Enclosure Finished or unfinished enclosure 
Machinery or Equipment 
Servicing Building 
With or without machinery or equipment below elevated floor 
Lowest Floor for Rating Bottom of slab 
In V zones, the lowest floor for rating should reflect the bottom of the lowest horizontal structural member. If the surveyor used item C2.a in 
lieu of C2.c of the Elevation Certificate, and the top of the bottom floor is at or above the lowest adjacent grade (C2.f), deduct (for 1-4 family 
residences) 12 inches from the elevation figure found in item C2.a. For buildings other than 1-4 family, deduct 18 inches from the elevation 
figure found in item C2.a. 
Application Should Show Building Type Two floors 
Is Building Elevated? Yes 
Is area below the elevated floor enclosed? Yes 
Pre-FIRM Rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate if favorable. Use with basement/enclosure rate category. If LF1 
elevation is less than BFE2, use Pre-FIRM rate table with enclosure category. 
Post-FIRM Rating Use Post-FIRM 75-81 VE, V1-V30 Zone with basement/enclosure rate category. If LF1 elevation is 1 or more feet below the BFE2, submit 
the application to the NFIP for a rate. 


 LFG 51 May 1, 2008 

LF 
(C2.a)
OPENINGS 
(A8.c) 
ELEVATED BUILDINGS 
PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 
TO SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1-V30 

1 LF.Lowest Floor 4 HAG.Highest Adjacent Grade 
2 BFE.Base Flood Elevation 5 See page LFG 2 for optional elevation rating 
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction 
dates of October 1, 1981, and after are Submit-for-Rate 

Letters and numbers in parentheses, as (A8.c) or (C2.a), correspond 
to Section A or Section C of the Elevation Certificate 

NOTE: Above references may not apply to this page. 

Building Description Two floors with crawl space (See Elevation Certificate, Diagram 8) 
Elevating Foundation of 
Building 
Solid perimeter load-bearing walls 
Type of Enclosure Unfinished crawl space 
Machinery or Equipment 
Servicing Building 
With or without machinery or equipment below elevated floor 
Lowest Floor for Rating Top of the bottom floor (crawl space) 
Application Should Show Building Type Three or more floors 
Is Building Elevated? Yes 
Is area below the elevated floor enclosed? Yes 
Pre-FIRM Rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate if favorable. Use with basement/enclosure rate category. If LF1 
elevation is less than BFE2, use Pre-FIRM rate table with enclosure category. 
Post-FIRM Rating Use Post-FIRM 75-81 VE, V1-V30 Zone with basement/enclosure rate category. If LF1 elevation is 1 or more feet below the BFE2, submit 
the application to the NFIP for a rate. 


 LFG 52 May 1, 2008 

LF (C2.c)
ELEVATED BUILDINGS 
POST-FIRM RISKS IN FLOOD ZONES VE AND V1-V30 CONSTRUCTION 
DATE OCTOBER 1, 1981, AND AFTER 

1 4

LF.Lowest Floor HAG.Highest Adjacent Grade 

25

BFE.Base Flood Elevation See page LFG 2 for optional elevation rating 

36

 See page LFG 1 for explanation of proper openings Non-elevated buildings with construction 
dates of October 1, 1981, and after are Submit-for-Rate 

Letters and numbers in parentheses, as (A8.c) or (C2.a), correspond 
to Section A or Section C of the Elevation Certificate 

NOTE: Above references may not apply to this page. 

Building Description One floor without enclosed area (See Elevation Certificate, Diagram 5) 
Elevating Foundation of 
Building 
Piers, posts, piles, or columns 
Type of Enclosure The space below the lowest elevated floor either has no enclosure or has: 
(1) Insect screening, provided that no additional supports are required for the screening; or 
(2) Wooden or plastic lattice with at least 40 percent of its area open and made of material no thicker than  inch; or 
(3) Wooden or plastic slats or shutters with at least 40 percent of their area open and made of material no thicker than 1 inch. 
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. 
Machinery or Equipment 
Servicing Building 
No machinery or equipment below elevated floor 
Lowest Floor for Rating Bottom of lowest horizontal structural member 
Application Should Show Building Type One floor 
Is Building Elevated? Yes 
Is area below the elevated floor enclosed? No 
V-Zone Rating; 
Construction Date 
October 1, 1981 and After 
Use 1981 Post-FIRM V1-V30, VE Zone Free of Obstruction rates. If LF1 elevation is 4 or more feet below the BFE2, submit the application to 
the NFIP for a rate. 


 LFG 53 May 1, 2008 

LF (C2.c)
ELEVATED BUILDINGS 
POST-FIRM RISKS IN FLOOD ZONES VE AND V1-V30 CONSTRUCTION 
DATE OCTOBER 1, 1981, AND AFTER 

1 4

LF.Lowest Floor HAG.Highest Adjacent Grade 

25

BFE.Base Flood Elevation See page LFG 2 for optional elevation rating 

36

 See page LFG 1 for explanation of proper openings Non-elevated buildings with construction 
dates of October 1, 1981, and after are Submit-for-Rate 

Letters and numbers in parentheses, as (A8.c) or (C2.a), correspond 
to Section A or Section C of the Elevation Certificate 

NOTE: Above references may not apply to this page. 

Building Description One floor without enclosed area (See Elevation Certificate, Diagram 5) 
Elevating Foundation of 
Building 
Piers, posts, piles, or columns 
Type of Enclosure No enclosure or open-wood latticework or insect screening 
Machinery or Equipment 
Servicing Building 
With machinery or equipment at or above BFE 
Lowest Floor for Rating Bottom of lowest horizontal structural member 
Application Should Show Building Type One floor 
Is Building Elevated? Yes 
Is area below the elevated floor enclosed? No 
V-Zone Rating; 
Construction Date 
October 1, 1981 and After 
Use 1981 Post-FIRM V1-V30, VE Zone Free of Obstruction rates. If LF1 elevation is 4 or more feet below the BFE2, submit the application to 
the NFIP for a rate. 


 LFG 54 May 1, 2008 

LF (C2.c)
ELEVATED BUILDINGS 
POST-FIRM RISKS IN FLOOD ZONES VE AND V1-V30 CONSTRUCTION 
DATE OCTOBER 1, 1981, AND AFTER 

1 4

LF.Lowest Floor HAG.Highest Adjacent Grade 

25

BFE.Base Flood Elevation See page LFG 2 for optional elevation rating 

3 6

 See page LFG 1 for explanation of proper openings Non-elevated buildings with construction 
dates of October 1, 1981, and after are Submit-for-Rate 

Letters and numbers in parentheses, as (A8.c) or (C2.a), correspond 
to Section A or Section C of the Elevation Certificate 

NOTE: Above references may not apply to this page. 

Building Description One floor and unfinished enclosed area (See Elevation Certificate, Diagram 6) 
Elevating Foundation of 
Building 
Piers, posts, piles, or columns 
Type of Enclosure Enclosure (total area less than 300 sq. ft.) with breakaway walls 
Machinery or Equipment 
Servicing Building 
Without machinery or equipment below elevated floor 
Lowest Floor for Rating Bottom of lowest horizontal structural member 
Application Should Show Building Type Two floors 
Is Building Elevated? Yes 
Is area below the elevated floor enclosed? Yes 
V-Zone Rating; 
Construction Date 
October 1, 1981 and After 
Use 1981 Post-FIRM V1-V30, VE Zone With Obstruction rates. If LF1 elevation is 4 or more feet below the BFE2, submit the application to 
the NFIP for a rate. 


 LFG 55 May 1, 2008 

LF (C2.c)
ELEVATED BUILDINGS 
POST-FIRM RISKS IN FLOOD ZONES VE AND V1-V30 CONSTRUCTION DATE 
OCTOBER 1, 1981, AND AFTER 

1 LF.Lowest Floor 4 HAG.Highest Adjacent Grade 

25

BFE.Base Flood Elevation See page LFG 2 for optional elevation rating 

3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction 
dates of October 1, 1981, and after are Submit-for-Rate 

Letters and numbers in parentheses, as (A8.c) or (C2.a), correspond 
to Section A or Section C of the Elevation Certificate 

NOTE: Above references may not apply to this page. 

Building Description One floor and unfinished enclosed area (See Elevation Certificate, Diagram 6) 
Elevating Foundation of 
Building 
Piers, posts, piles, or columns 
Type of Enclosure Enclosure (total area less than 300 sq. ft.) with breakaway walls 
Machinery or Equipment 
Servicing Building 
With machinery or equipment below BFE 
Lowest Floor for Rating Bottom of slab 
In V zones, the lowest floor for rating should reflect the bottom of the lowest horizontal structural member. If the surveyor used item C2.a in 
lieu of C2.c of the Elevation Certificate, and the top of the bottom floor is at or above the lowest adjacent grade, deduct (for 1-4 family 
residences) 12 inches from the elevation figure found in item C2.a. For buildings other than 1-4 family, deduct 18 inches from the elevation 
figure found in item C2.a. 
Application Should Show Building Type Two floors 
Is Building Elevated? Yes 
Is area below the elevated floor enclosed? Yes 
V-Zone Rating; 
Construction Date 
October 1, 1981 and After 
Submit the application to the NFIP for a rate. 


 LFG 56 May 1, 2008 

LF (C2.c)
ELEVATED BUILDINGS 
POST-FIRM RISKS IN FLOOD ZONES VE AND V1-V30 CONSTRUCTION 
DATE OCTOBER 1, 1981, AND AFTER 

1 4

LF.Lowest Floor HAG.Highest Adjacent Grade 

25

BFE.Base Flood Elevation See page LFG 2 for optional elevation rating 

36

 See page LFG 1 for explanation of proper openings Non-elevated buildings with construction 
dates of October 1, 1981, and after are Submit-for-Rate 

Letters and numbers in parentheses, as (A8.c) or (C2.a), correspond 
to Section A or Section C of the Elevation Certificate 

NOTE: Above references may not apply to this page. 

Building Description One floor and finished or unfinished enclosed area (See Elevation Certificate, Diagram 6) 
Elevating Foundation of 
Building 
Piers, posts, piles, or columns 
Type of Enclosure Enclosure (total area 300 sq. ft. or more) with nonbreakaway walls or breakaway walls 
Machinery or Equipment 
Servicing Building 
With or without machinery or equipment below elevated floor 
Lowest Floor for Rating Bottom of slab 
In V zones, the lowest floor for rating should reflect the bottom of the lowest horizontal structural member. If the surveyor used item C2.a in 
lieu of C2.c of the Elevation Certificate, and the top of the bottom floor is at or above the lowest adjacent grade (C2.f), deduct (for 1-4 family 
residences) 12 inches from the elevation figure found in item C2.a. For buildings other than 1-4 family, deduct 18 inches from the elevation 
figure found in item C2.a. 
Application Should Show Building Type Two floors 
Is Building Elevated? Yes 
Is area below the elevated floor enclosed? Yes 
V-Zone Rating; 
Construction Date 
October 1, 1981 and After 
Submit the application to the NFIP for a rate.


 LFG 57 May 1, 2008 

LF (C2.c)
ELEVATED BUILDINGS 
POST-FIRM RISKS IN FLOOD ZONES VE AND V1-V30 CONSTRUCTION DATE 
OCTOBER 1, 1981, AND AFTER 

1 4

LF.Lowest Floor HAG.Highest Adjacent Grade 

25

BFE.Base Flood Elevation See page LFG 2 for optional elevation rating 

36

 See page LFG 1 for explanation of proper openings Non-elevated buildings with construction 
dates of October 1, 1981, and after are Submit-for-Rate 

Letters and numbers in parentheses, as (A8.c) or (C2.a), correspond 
to Section A or Section C of the Elevation Certificate 

NOTE: Above references may not apply to this page. 

Building Description One floor and finished or unfinished enclosed area (See Elevation Certificate, Diagram 6) 
Elevating Foundation of 
Building 
Shear walls parallel to the expected flow of floodwaters 
Type of Enclosure Both ends enclosed with breakaway walls (total enclosed area 300 sq. ft. or more) 
Machinery or Equipment 
Servicing Building 
With or without machinery or equipment below elevated floor 
Lowest Floor for Rating Bottom of slab 
In V zones, the lowest floor for rating should reflect the bottom of the lowest horizontal structural member. If the surveyor used item C2.a in 
lieu of C2.c of the Elevation Certificate, and the top of the bottom floor is at or above the lowest adjacent grade (C2.f), deduct (for 1-4 family 
residences) 12 inches from the elevation figure found in item C2.a. For buildings other than 1-4 family, deduct 18 inches from the elevation 
figure found in item C2.a. 
Application Should Show Building Type Two floors 
Is Building Elevated? Yes 
Is area below the elevated floor enclosed? Yes 
V-Zone Rating; 
Construction Date 
October 1, 1981 and After 
Submit the application to the NFIP for a rate.


 LFG 58 May 1, 2008 

LF (C2.c)
ELEVATED BUILDINGS 
POST-FIRM RISKS IN FLOOD ZONES VE AND V1-V30 CONSTRUCTION DATE 
OCTOBER 1, 1981, AND AFTER 

1 4

LF.Lowest Floor HAG.Highest Adjacent Grade 

25

BFE.Base Flood Elevation See page LFG 2 for optional elevation rating 

36

 See page LFG 1 for explanation of proper openings Non-elevated buildings with construction 
dates of October 1, 1981, and after are Submit-for-Rate 

Letters and numbers in parentheses, as (A8.c) or (C2.a), correspond 
to Section A or Section C of the Elevation Certificate 

NOTE: Above references may not apply to this page. 

Building Description One floor and finished or unfinished enclosed area (See Elevation Certificate, Diagram 7) 
Elevating Foundation of 
Building 
Solid perimeter load-bearing walls 
Type of Enclosure Finished or unfinished enclosure 
Machinery or Equipment 
Servicing Building 
With or without machinery or equipment below elevated floor 
Lowest Floor for Rating Bottom of slab 
In V zones, the lowest floor for rating should reflect the bottom of the lowest horizontal structural member. If the surveyor used item C2.a in 
lieu of C2.c of the Elevation Certificate, and the top of the bottom floor is at or above the lowest adjacent grade (C2.f), deduct (for 1-4 family 
residences) 12 inches from the elevation figure found in item C2.a. For buildings other than 1-4 family, deduct 18 inches from the elevation 
figure found in item C2.a. 
Application Should Show Building Type Two floors 
Is Building Elevated? Yes 
Is area below the elevated floor enclosed? Yes 
V-Zone Rating; 
Construction Date 
October 1, 1981 and After 
Submit the application to the NFIP for a rate.


 LFG 59 May 1, 2008 

ELEVATED BUILDINGS 
POST-FIRM RISKS IN FLOOD ZONES VE AND V1-V30 CONSTRUCTION DATE 
OCTOBER 1, 1981, AND AFTER 

1 LF.Lowest Floor 4 HAG.Highest Adjacent Grade 
2 BFE.Base Flood Elevation 5 See page LFG 2 for optional elevation rating 
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction 
dates of October 1, 1981, and after are Submit-for-Rate 

Letters and numbers in parentheses, as (A8.c) or (C2.a), correspond 
to Section A or Section C of the Elevation Certificate 

NOTE: Above references may not apply to this page. 

OPENINGS 
(A8.c) 
LF (C2.a)
Building Description Two floors with crawl space (See Elevation Certificate, Diagram 8) 
Elevating Foundation of 
Building 
Solid perimeter load-bearing walls 
Type of Enclosure Unfinished crawl space 
Machinery or Equipment 
Servicing Building 
With or without machinery or equipment below elevated floor 
Lowest Floor for Rating Top of the bottom floor (crawl space) 
Application Should Show Building Type Three or more floors 
Is Building Elevated? Yes 
Is area below the elevated floor enclosed? Yes 
V-Zone Rating; 
Construction Date 
October 1, 1981 and After 
Submit the application to the NFIP for a rate. 


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SPECIAL CERTIFICATIONS 


This section presents detailed instructions for 
the completion of the National Flood Insurance 
Program (NFIP) Elevation Certificate and the 
NFIP Floodproofing Certificates. 

NOTE: When determining the lowest floor for 

rating, refer to the Lowest Floor Guide 

section of this manual. 

I. NFIP ELEVATION CERTIFICATE 
The NFIP Elevation Certificate (EC) form and 
instructions were revised effective February 13, 
2006. The surveyor, engineer, architect, 
property owner, or owners representative is 
required to provide the square footage of any 
crawl space or enclosure(s) below the lowest 
elevated floor (including an attached garage) 
and generally at least two photographs of the 
building when completing the EC to obtain flood 
insurance through the NFIP. This additional 
information will significantly enhance the agents 
and company underwriters ability to properly 
rate elevation-rated risks. 

The new EC form and instructions (shown on 
pages CERT 11-26) were phased in on a 
voluntary basis through December 31, 2006. 
Elevations certified on or after January 1, 2007, 
must be submitted on the new form. An 
exception is made when the community official 
completes the old EC with elevation data 
received by the community before January 1, 
2007. It must be noted in the Comments area of 
Section G of the old EC that the community had 
the data on file before January 1, 2007. Current 
photograph requirements, and exceptions to 
them, are described in Section II. below. 

When two or more ECs are submitted on one 
property, 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 under any circumstances. 

The EC is required on Post-FIRM construction, 
but is optional on Pre-FIRM construction. The 
EC is required by the NFIP to certify the lowest 
floor of a building so the policy can be properly 
rated, as follows (also see pages LFG 1-2): 

 All Post-FIRM structures 
The EC is to be completed by a land 
surveyor, engineer, or architect who is 
authorized by state or local law to certify 
elevation information when it is required for 
Zones A1-A30, AE, AH, A (with Base Flood 

Elevations [BFEs]), V1-V30, VE, and V (with 
BFEs). Community officials who are 
authorized by local law or ordinance to 
provide floodplain management information 
may also complete this form. For Zones AO 
and A (without BFEs), a building official, a 
property owner, or an owners representative 
may also provide the information on this 
certification. Building elevation information 
may be available through the community 
official if the community is a CRS 
participating community. 

The lowest adjacent grade and diagram 
number are required for all new business 
applications effective on or after October 1, 
1997, if the elevation certification date is on 
or after October 1, 1997. 

 Pre-FIRM structures rated under Post-FIRM 
rates 
Pre-FIRM construction can be elevation rated 
using the Post-FIRM EC rates, which are 
more favorable rates if the lowest floor of the 
building is at or above the BFE for the 
community. In most cases, the lowest floor 
level of a Pre-FIRM building is below the 
BFE, and it would not benefit the insured to 
pay the cost for an 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. 

Detailed instructions for completion are provided 
with the EC. 

The producer is to attach the original of the 
completed EC to the Application. A photocopy 
is to be forwarded to the policyholder and a copy 
is retained by the producer. 

II. PHOTOGRAPH REQUIREMENTS 
Generally, all new business applications for 
elevation-rated risks with a policy effective date 
of January 1, 2007, or later must be submitted 
with a least two 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 earlier). If the 

 CERT 1 May 1, 2008 


building is a split-level or has multi-level areas at 
ground level, at least two additional photographs 
showing views of both sides of the building must 
be submitted. 

 Exception 1: 
When an agent moves his or her book of 
business from one WYO company to 
another, or when one WYO company 
acquires anothers book of business, 
photographs are not required. 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 
and WYO company, that 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 re-rating the policy. 

These new requirements also apply to all 
renewal and endorsement transactions adding 
elevation rating effective on or after January 1, 
2007. 

For the convenience of users, two 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 33, provide a clear image of 
the buildings distinguishing features, and 
include date taken. Analog or digital 
photographs are acceptable. Color photographs 
are preferred. 

An Elevation Certificate submitted without the 
required photographs is not considered valid for 
rating, unless the building is in the course of 
construction. Each 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 
Section A  Property [Owner] Information 

 Section A of the EC includes the building 
use. This information is helpful in validating 
the data collected by the insurance agent, 
and the Flood Insurance Application 
information. 

 On the new 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 new 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 two current 
photographs of the building. (See II. 
PHOTOGRAPH REQUIREMENTS above.) 
 For any crawl space, enclosure(s), or 
attached garage, the new EC collects 
square footage, number of flood openings 
within 1.0 foot above adjacent grade, 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. 

Section B  Flood Insurance Rate Map (FIRM) 
Information 

The Flood Insurance Rate Map (FIRM) 
information includes the following: 

 FIRM panel effective date and revised date; 
 Source of the BFE or base flood depth; 
NOTE: The same elevation datum should 
be used in determining all 
certification elevations as was used 
in determining the BFE (i.e., NGVD 
1929 or NAVD 1988). 

 Coastal Barrier Resources System (CBRS) 
area or Otherwise Protected Area (OPA). 
NOTE: Refer to the Coastal Barrier 
Resources System section of this 
manual for flood insurance 
coverage eligibility. 

Section C  Building Elevation Information 
(Survey Required) 

Responsibilities for building elevation 
information are as follows. 

 CERT 2 May 1, 2008 


 The surveyor, engineer, or architect is For Zone A (without a FEMA-issued or 
required to provide a number of elevations community-issued BFE) and Zone AO, a 
based on the building type selected. property owner or owners authorized 
representative may complete Sections A, B, and 

 From the elevations gathered, the insurance E. 
agent is required to determine the lowest Section F  Property Owner (or Owners 
floor for rating flood insurance. Representative) Certification 
Address and other contact information about the 

As it relates to Section C, information found not 
to be applicable to the property being certified property owner are requested in Section F. The 

should be marked N/A (not applicable) by the party completing Sections A, B, C (on the old 

surveyor, engineer, or architect. If any part of EC, Items C3.h and C3.i only), and E must 

execute Section F as well.

Section C is left blank, critically review it and 
contact the surveyor, engineer, or architect who Section G  Community Information (Optional) 
completed the form and your company 

underwriter with any questions. The local official who is authorized by law or 
ordinance to administer the communitys 
floodplain management ordinance may transfer 

Elevation(s) of machinery and equipment elevation information found on existingservicing the building (e.g., water heater, documentation (i.e., an older elevation 
furnace, a/c compressor, heat pump, water certification form, or surveyor letterhead) topump) must be provided, regardless of its Section C of the EC. The local official must then 
location, whether inside or outside of the certify this information by fully completing

building, elevated on a platform or non-elevated. Section G. A statement advising FEMA of this 
transfer of information must be made in the 
The surveyor, engineer, or architect may not be comment section of the newer EC. Section G 
able to gain access to some crawl spaces to may also be used to certify Item E4.
shoot the elevation of the crawl space floor. In 
this instance, Item C2.a on the new EC (C3.a on IV. FLOODPROOFING CERTIFICATE 

the old EC) may be left blank and the estimated 
measurements entered in the Comments area of A. Purpose and Eligibility 
Section D.  In certain circumstances, floodproofing may 

be permitted as an alternative to elevating to 
Elevations in Section C are based on feet, or above the Base Flood Elevation (BFE); 
except in Puerto Rico, where the metric system however, a floodproofing design certification 
is used. The agent must convert any metric is required. Certified floodproofing may 
elevation readings into feet before calculating result in lower rates. 

the flood insurance premium.  Non-residential buildings in any community, 
in all locations except in V-Zones, may be 

Section D  Surveyor, Engineer, or Architect floodproofed in lieu of elevating.
Certification 

 Residential buildings may be floodproofed 
Section D is the surveyors, engineers, or only if they have basements, are located in 
architects certification that the information Zones A1-A30, AE, AR, AR Dual, AO, and 
provided in Sections A, B, and C is AH, and only if they are located in 
representative of the certifiers best efforts to communities specifically approved and 
interpret the data available. The surveyors, authorized by FEMA. A current list of 
engineers, or architects signature and approved communities appears on page 
identification number are required fields. Some CERT 5. 
States also may require a seal. 

 The allowable methods of floodproofing for 
Section E  Building Elevation Information non-residential buildings differ from those 
(Survey Not Required) for Zone AO and Zone allowed for residential buildings. The 

A (Without BFE) specific requirements should be available 

from the local government.
Building Diagram Number (old EC) and the 
elevation difference between the lowest floor B. Specifications 
and the lowest adjacent grade (new EC) and 

highest adjacent grade are required. The specifications for floodproofing ensure that 
the building is watertight without human 

 CERT 3 May 1, 2008 


intervention, its floodproofed walls will not 
collapse, and the floor at the base of the 
floodproofed walls will resist flotation during 
flooding conditions. 

C. Rating 
In order to be eligible for lower rates, the insured 
must have a registered professional engineer or 
architect certify that the floodproofing conforms 
with the minimum floodproofing specifications of 
FEMA. This means that the building must be 
floodproofed to at least 1 foot above the BFE. If 
floodproofed to 1 foot above the BFE, flood 
depth, or comparable community-approved 
floodplain management standards, it can then 
be treated for rating purposes as having a "0" 
elevation difference from the BFE. This 
certification must be submitted with the Flood 
Insurance Application. 

To further illustrate, if the building is certified to 
be floodproofed to 2 feet above the BFE, flood 
depth, or comparable community approved 
floodplain management standards, whichever is 
highest, then it is credited for floodproofing and 
is to be treated for rating purposes as having a 
"+1" foot elevation. See pages RATE 31-32 for 
information on rounding elevations. 

D. Certification 
 Residential Buildings (With Basements) 
The Residential Basement Floodproofing 
Certificate is available for residential 
buildings with basements located in Zones 
A1-A30, AE, AR, AR Dual, AO, AH, and A 
with estimated BFE and located in a FEMA-
approved community that is listed on the 
next page. To receive credit for flood-
proofing, the completed certificate must be 
submitted. 

 Non-residential Buildings 
A completed Floodproofing Certificate for 
Non-residential Structures is required for all 
such buildings in Regular Program 
communities, located in Zones A1-A30, AE, 
AR, AR Dual, AO, AH, and A with estimated 
BFE, in order to receive credit for 
floodproofing in lieu of elevation. 

 CERT 4 October 1, 2008 


APPROVED COMMUNITIES FOR RESIDENTIAL BASEMENT FLOODPROOFING RATING CREDIT 


COMMUNITY 
NUMBER STATE/COMMUNITY NAME 
EFFECTIVE 
DATE1 
COMMUNITY 
NUMBER STATE/COMMUNITY NAME 
EFFECTIVE 
DATE1 
025009 
160028 
190488 
190031 
190309 
200484 
200323 
200019 
200131 
200215 
200334 
200319 
200316 
200134 
270267 
275235 
270080 
275236 
275244 
270414 
270273 
270274 
310069 
310103 
310100 
310001 
310239 
310046 
310039 
310104 
Alaska 
Fairbanks N. Star Borough 
Idaho 
Ammon, City of 
Iowa 
Clive, City of 
Independence, City of 
La Porte City, City of 
Kansas 
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 
Minnesota 
Alvarado, City of 
Clay County 
Dilworth, City of 
East Grand Forks, City of 
Moorhead, City of 
Roseau, City of 
Stephen, City of 
Warren, City of 
Nebraska 
Fremont, City of 
Grand Island, City of 
Hall County 
Hastings, City of 
North Bend, City of 
Schuyler, City of 
Sidney, City of 
Wood River, City of 
2/28/73 
6/8/90 
4/24/81 
9/7/89 
6/12/89 
1/17/86 
2/15/832 
8/10/83 
7/8/83 
11/7/94 
2/18/92 
3/6/86 
1/14/86 
5/19/862 
2/28/85 
3/28/75 
8/29/83 
5/15/862 
2/12/76 
7/14/92 
5/10/83 
9/24/82 
1/25/79 
7/29/80 
2/10/80 
7/8/83 
10/15/98 
9/17/91 
12/4/84 
1/12/82 
360226 
360232 
380256 
380020 
385364 
380137 
380338 
380259 
380022 
380023 
380681 
380263 
380257 
380324 
380258 
380024 
460044 
550612 
550600 
550020 
550021 
550022 
550023 
550309 
New York 
Amherst, Town of 
Clarence, Town of 
North Dakota 
Barnes, Township of 
Casselton, City of 
Fargo, City of 
Grafton, City of 
Harwood, City of 
Harwood, Township of 
Horace, City of 
Mapleton, City of 
Oxbow, City of 
Pleasant, Township of 
Reed, Township of 
Reiles Acres, City of 
Stanley, Township of 
West Fargo, City of 
South Dakota 
Madison, City of 
Wisconsin 
Allouez, Village of 
Ashwaubenon, Village of 
Brown County 
Depere, City of 
Green Bay, City of 
Howard, Village of 
Shiocton, Village of 
11/20/78 
8/01/00 
1/22/82 
6/18/81 
3/26/752 
5/21/81 
12/19/85 
1/22/82 
1/22/82 
1/22/822 
6/1/922 
5/5/83 
1/22/82 
8/23/82 
2/8/82 
6/5/78 
8/30/83 
1/11/932 
10/27/78 
2/21/792 
10/27/78 
10/27/78 
10/27/78 
8/1/98 

1 

Effective date corresponds to the date of the letter from FEMA that granted the communitys exception 
request.

2 

The date the community adopted floodproofing ordinances. 

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PAPERWORK BURDEN DISCLOSURE NOTICE 
FEMA Form 81-78 


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NEW EDITION 
Voluntary-Use Date: February 13, 2006 
Mandatory-Use Date: January 1, 2007


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 OLD EDITION 


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(TABLE OF CONTENTS) TABLE OF CONTENTS
(PREVIOUS SECTION) PREVIOUS SECTION
(NEXT SECTION) NEXT SECTION 
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(PREVIOUS SECTION) PREVIOUS SECTION
(TABLE OF CONTENTS) TABLE OF CONTENTS
(NEXT SECTION) NEXT SECTION
PREFERRED RISK POLICY


I. GENERAL DESCRIPTION 
The Preferred Risk Policy (PRP) offers low-cost 
coverage to owners and tenants of eligible 
buildings located in the moderate-risk B, C, and 
X Zones in NFIP Regular Program 
communities. 

For residential properties, the maximum 
coverage combination is $250,000 building and 
$100,000 contents. Up to $100,000 contents-
only coverage is available. 

For non-residential properties, the maximum 
coverage combination is $500,000 building and 
$500,000 contents. Up to $500,000 contents-
only coverage is available. 

Only one building can be insured per policy, and 
only one policy can be written on each building. 

II. ELIGIBILITY REQUIREMENTS 
A. Flood Zone 
To be eligible for building/contents coverage or 
contents-only coverage under the PRP, the 
building must be in a B, C, or X Zone on the 
effective date of the policy. However, for the 
purpose of determining the flood zone, the agent 
may use the FIRM in effect at the time of 
application and presentment of premium. The 
flood map available at the time of the renewal 
offer determines a buildings continued eligibility 
for the PRP. (See V. RENEWAL.) NFIP map 
grandfathering rules do not apply to the PRP. 

B. Occupancy 
Combined building/contents amounts of 
insurance are available for owners of all eligible 
occupancy typesone- to four-family properties 
(including individual condominium units in 

condominium buildings), other residential 
properties, and non-residential properties. 

Contents-only coverage is available for tenants 
and owners of all eligible occupancies, except 
when contents are located entirely in a 
basement. 

C. Loss History 
A building's eligibility for the PRP is based on 
the preceding requirements and on the 
buildings flood loss history. If one of the 
following conditions exists within any 10-year 
period, regardless of any change(s) in 
ownership of the building, then the building is 
not eligible for the PRP: 

 2 flood insurance claim payments, each 
more than $1,000; or 
 3 or more flood insurance claim payments, 
regardless of amount; or 
 2 Federal flood disaster relief payments 
(including loans and grants), each more than 
$1,000; or 
 3 Federal flood disaster relief payments 
(including loans and grants), regardless of 
amount; or 
 1 flood insurance claim payment and 1 
Federal flood disaster relief payment 
(including loans and grants), each more than 
$1,000. 
In reviewing a buildings flood loss history for 
PRP eligibility, be aware that: 

 A flood insurance claim payment (building 
and/or contents) and a Federal flood 
disaster relief payment (including loans and 
grants) for the same loss are considered a 
single payment. 
 Federal flood disaster relief payments 
(including loans and grants) are considered 
only if the building sustained flood damage. 
THE PRP AT A GLANCE


COVERAGE TYPE 
MAXIMUM LIMITS BY OCCUPANCY TYPE 
1-4 Family Other Residential Non-Residential 
Combined Building/ 
Contents 
$250,000/ 
$100,000 
$250,000/ 
$100,000 
$500,000/ 
$500,000 
Contents Only $100,000 $100,000 $500,000 

PRP 1 October 1, 2008 


III. INELIGIBILITY 
For help in determining eligibility/ineligibility 
of various condominium risks, use the PRP 
Condominium Rating Chart on the next page. 

 Properties in Special Flood Hazard Areas or 
in Emergency Program communities are not 
eligible for the PRP. 
 Residential condominium associations 
eligible under the Residential Condominium 
Building Association Policy are not eligible 
for the PRP. 
 Individual residential condominium units in 
non-residential condominium buildings are 
not eligible for building coverage. 
 Individual non-residential condominium units 
are not eligible for building coverage. 
 Contents located entirely in a basement are 
not eligible for contents-only coverage. 
However, contents located entirely in an 
enclosure are eligible. 
 Condominium units are not eligible for 
Increased Cost of Compliance (ICC) 
coverage. 
IV. DOCUMENTATION 
All Preferred Risk Policy new business 
applications must include documentation of 
eligibility for the PRP. Such applications must 
be accompanied by one of the following: 

 A Letter of Map Amendment (LOMA) 
 A Letter of Map Revision (LOMR) 
 A Letter of Determination Review (LODR) 
 A copy of the most recent flood map marked 
to show the exact location and flood zone of 
the building 
 A letter indicating the exact location and 
flood zone of the building, and signed and 
dated by a local community official 
 An elevation certificate indicating the exact 
location and flood zone of the building, and 
signed and dated by a surveyor, engineer, 
architect, or local community official 
 A flood zone determination certification that 
guarantees the accuracy of the information. 
An agent writing through a Write Your Own 
(WYO) company should contact that company 
for guidance. 

V. RENEWAL 
An eligible risk renews automatically without 
submission of a new application. If, during a 
policy term, the risk fails to meet the eligibility 
requirements, it cannot be renewed as a PRP. It 
must be nonrenewed or rewritten as a conventional Standard Flood Insurance Policy (SFIP). 

Effective May 1, 2008, if there has been a map 
change during the policy term that may affect 
the insured property, proof of the propertys 
continued eligibility for the PRP must be 
provided for the policy to be renewed. See IV. 
DOCUMENTATION. 

VI. COVERAGE LIMITS 
The elevated building coverage limitation 
provisions do not apply to the PRP. 

VII. REPLACEMENT COST COVERAGE 
Replacement cost coverage applies only if the 
building is the principal residence of the insured 
and the building coverage chosen is at least 80 
percent of the replacement cost of the building 
at the time of the loss, or the maximum 
coverage available under the NFIP. 

VIII. DISCOUNTS/FEES/ICC PREMIUM 
 No Community Rating System discount is 
associated with the PRP. 
 The $50.00 Community Probation Surcharge is added, when applicable. 
 The Federal Policy Fee of $13.00 is included 
in the premium and is not subject to 
commission. 
 The ICC premium of $6.00 is included. 
IX. DEDUCTIBLES 
The standard deductible for PRPs is $500 each 
for building and contents, applied separately. 
Optional deductibles are not available for PRPs. 

X. ENDORSEMENTS 
The PRP may be endorsed to: 

 Increase coverage mid-term, subject to the 
coverage limits in effect when the policy was 
issued or renewed. See page END 5 for an 
example. 
 Correct misratings, such as incorrect 
building description or community number. 
PRP 2 May 1, 2008 


PREFERRED RISK POLICY CONDOMINIUM RATING CHART 

RESIDENTIAL SINGLE UNIT BUILDING OR TOWNHOUSE/ROWHOUSE TYPE.BUILDING WITH SEPARATE ENTRANCE FOR EACH UNIT 

PRP 3 May 1, 2008 

PURCHASER OF POLICY Building Occupancy1 Condo Unit 
Indicator1 
PRP 
Eligibility Rate Table2 Policy Form 
UNIT OWNER SINGLE FAMILY Yes Yes One- to Four-Family Residential DWELLING 
ASSOCIATION 
(SINGLE UNIT ONLY) SINGLE FAMILY Yes Yes One- to Four-Family Residential DWELLING 
ASSOCIATION 
(ENTIRE BUILDING) N/A N/A No N/A N/A 

MULTI-UNIT RESIDENTIAL BUILDING.2 TO 4 UNITS PER BUILDING 

PURCHASER OF POLICY Building Occupancy1 Condo Unit 
Indicator1 
PRP 
Eligibility Rate Table2 Policy Form 
UNIT OWNER 2-4 Yes Yes One- to Four-Family Residential DWELLING 
ASSOCIATION 
(SINGLE UNIT ONLY) 2-4 Yes Yes One- to Four-Family-Residential DWELLING 
ASSOCIATION 
(ENTIRE BUILDING) N/A N/A No N/A N/A 

MULTI-UNIT RESIDENTIAL BUILDING.5 OR MORE UNITS PER BUILDING 

PURCHASER OF POLICY Building Occupancy1 Condo Unit 
Indicator1 
PRP 
Eligibility Rate Table2 Policy Form 
UNIT OWNER OTHER RESIDENTIAL Yes Yes Other Residential DWELLING 
ASSOCIATION 
(SINGLE UNIT ONLY) OTHER RESIDENTIAL Yes Yes Other Residential DWELLING 
ASSOCIATION 
(ENTIRE BUILDING) N/A N/A No N/A N/A 

NON-RESIDENTIAL BUILDING 

PURCHASER OF POLICY Building Occupancy1 Condo Unit 
Indicator1 
PRP 
Eligibility Rate Table2 Policy Form 
UNIT OWNER NON-RESIDENTIAL 
Yes 
(BUILDING 
COVERAGE NOT 
AVAILABLE, 
ONLY 
CONTENTS) 
Yes Non-Residential Contents Only GENERAL PROPERTY 
UNIT OWNER SINGLE FAMILY 
Yes 
(BUILDING 
COVERAGE NOT 
AVAILABLE, 
ONLY 
CONTENTS) 
Yes 
One- to Four-Family Residential 
or 
Other Residential if 5 or more units 
DWELLING 
ASSOCIATION NON-RESIDENTIAL N/A Yes Non-Residential Building and 
Contents GENERAL PROPERTY 

1When there is a mixture of residential and commercial usage within a single building, please refer to the GR Section of the Flood Insurance Manual. 
2All building rates are based on the lowest floor of the building. 


PRP COVERAGES AVAILABLE EFFECTIVE MAY 1, 2008 

ONE- TO FOUR-FAMILY RESIDENTIAL 
BUILDING AND CONTENTS COVERAGE COMBINATIONS1, 2, 3 


With Basement or Enclosure Without Basement or Enclosure 
Building Contents Premium Building Contents Premium 
$ 20,000 $ 8,000 $144 $ 20,000 $ 8,000 $119 
$ 30,000 $ 12,000 $173 $ 30,000 $ 12,000 $148 
$ 50,000 $ 20,000 $221 $ 50,000 $ 20,000 $196 
$ 75,000 $ 30,000 $260 $ 75,000 $ 30,000 $230 
$100,000 $ 40,000 $287 $100,000 $ 40,000 $257 
$125,000 $ 50,000 $307 $125,000 $ 50,000 $277 
$150,000 $ 60,000 $326 $150,000 $ 60,000 $296 
$200,000 $ 80,000 $361 $200,000 $ 80,000 $326 
$250,000 $100,000 $388 $250,000 $100,000 $348 

ALL RESIDENTIAL CONTENTS-ONLY COVERAGE1, 2, 4 

Contents Above Ground Level More Than One Floor All Other Locations (Basement-Only Not Eligible) 
Contents Premium Contents Premium 
$ 8,000 $ 39 $ 8,000 $ 58 
$ 12,000 $ 53 $ 12,000 $ 80 
$ 20,000 $ 81 $ 20,000 $113 
$ 30,000 $ 93 $ 30,000 $130 
$ 40,000 $105 $ 40,000 $147 
$ 50,000 $117 $ 50,000 $164 
$ 60,000 $129 $ 60,000 $181 
$ 80,000 $153 $ 80,000 $201 
$100,000 $177 $100,000 $221 

OTHER RESIDENTIAL BUILDING AND CONTENTS COVERAGE COMBINATIONS1, 2, 3 
With Basement or Enclosure 


Contents 
Coverage $8,000 $12,000 $20,000 $30,000 $40,000 $50,000 $60,000 $80,000 $100,000 
Building Coverage 
$ 20,000 $151 $165 $178 $191 $203 $214 $225 $235 $245 
$ 30,000 $165 $179 $192 $205 $217 $228 $239 $249 $259 
$ 50,000 $199 $213 $226 $239 $251 $262 $273 $283 $293 
$ 75,000 $215 $229 $242 $255 $267 $278 $289 $299 $309 
$100,000 $237 $251 $264 $277 $289 $300 $311 $321 $331 
$125,000 $244 $258 $271 $284 $296 $307 $318 $328 $338 
$150,000 $249 $263 $276 $289 $301 $312 $323 $333 $343 
$200,000 $280 $294 $307 $320 $332 $343 $354 $364 $374 
$250,000 $297 $311 $324 $337 $349 $360 $371 $381 $391 

OTHER RESIDENTIAL BUILDING AND CONTENTS COVERAGE COMBINATIONS1, 2, 3 
Without Basement or Enclosure 


Contents 
Coverage $8,000 $12,000 $20,000 $30,000 $40,000 $50,000 $60,000 $80,000 $100,000 
Building Coverage 
$ 20,000 $123 $135 $146 $157 $167 $177 $186 $195 $203 
$ 30,000 $141 $152 $163 $174 $184 $194 $203 $212 $220 
$ 50,000 $176 $187 $198 $209 $219 $229 $238 $247 $255 
$ 75,000 $196 $207 $218 $228 $238 $248 $257 $266 $274 
$100,000 $214 $225 $236 $246 $256 $266 $275 $284 $292 
$125,000 $223 $234 $245 $255 $265 $274 $283 $292 $300 
$150,000 $230 $241 $252 $262 $272 $281 $290 $299 $307 
$200,000 $258 $269 $280 $290 $300 $309 $318 $326 $334 
$250,000 $273 $284 $295 $305 $315 $324 $333 $341 $349 

1Add the $50.00 Probation Surcharge, if applicable. 
2Premium includes Federal Policy Fee of $13.00. 
3Premium includes ICC premium of $6.00. Deduct this amount if the risk is a condominium unit. 
4Use this All Residential Contents-Only Coverage premium table for individual residential condominium unit contents-only policies.


PRP 4 May 1, 2008 


PRP COVERAGES AVAILABLE EFFECTIVE MAY 1, 2008 (contd.) 

NON-RESIDENTIAL BUILDING AND CONTENTS COVERAGE COMBINATIONS1, 2, 3 
With Basement or Enclosure 

Contents 
Coverage $50,000 $100,000 $150,000 $200,000 $250,000 $300,000 $350,000 $400,000 $450,000 $500,000 
Building Coverage 
$ 50,000 $ 880 $1,139 $1,387 $1,623 $1,848 $2,062 $2,265 $2,456 $2,636 $2,805 
$100,000 $1,254 $1,513 $1,760 $1,996 $2,221 $2,435 $2,638 $2,829 $3,009 $3,178 
$150,000 $1,529 $1,788 $2,035 $2,271 $2,496 $2,710 $2,913 $3,104 $3,284 $3,453 
$200,000 $1,678 $1,937 $2,184 $2,420 $2,645 $2,859 $3,062 $3,253 $3,433 $3,602 
$250,000 $1,783 $2,042 $2,289 $2,525 $2,750 $2,964 $3,167 $3,358 $3,538 $3,707 
$300,000 $1,899 $2,158 $2,405 $2,641 $2,866 $3,080 $3,283 $3,474 $3,654 $3,823 
$350,000 $2,027 $2,286 $2,533 $2,769 $2,994 $3,208 $3,410 $3,601 $3,781 $3,950 
$400,000 $2,111 $2,370 $2,617 $2,853 $3,078 $3,292 $3,494 $3,685 $3,865 $4,034 
$450,000 $2,207 $2,466 $2,713 $2,949 $3,174 $3,388 $3,590 $3,781 $3,961 $4,130 
$500,000 $2,312 $2,571 $2,818 $3,054 $3,279 $3,493 $3,695 $3,886 $4,066 $4,235 

NON-RESIDENTIAL BUILDING AND CONTENTS COVERAGE COMBINATIONS1, 2, 3 
Without Basement or Enclosure 

Contents 
Coverage $50,000 $100,000 $150,000 $200,000 $250,000 $300,000 $350,000 $400,000 $450,000 $500,000 
Building Coverage 
$ 50,000 $ 550 $ 688 $ 820 $ 946 $1,066 $1,180 $1,288 $1,390 $1,486 $1,576 
$100,000 $ 742 $ 880 $1,012 $1,138 $1,258 $1,372 $1,480 $1,582 $1,678 $1,768 
$150,000 $ 885 $1,023 $1,155 $1,281 $1,401 $1,515 $1,623 $1,725 $1,821 $1,911 
$200,000 $1,034 $1,172 $1,304 $1,430 $1,550 $1,664 $1,772 $1,874 $1,970 $2,060 
$250,000 $1,134 $1,272 $1,404 $1,530 $1,650 $1,764 $1,872 $1,974 $2,070 $2,160 
$300,000 $1,240 $1,378 $1,510 $1,636 $1,756 $1,870 $1,978 $2,080 $2,176 $2,266 
$350,000 $1,297 $1,435 $1,567 $1,693 $1,813 $1,927 $2,035 $2,137 $2,233 $2,323 
$400,000 $1,360 $1,498 $1,630 $1,756 $1,876 $1,990 $2,098 $2,200 $2,296 $2,386 
$450,000 $1,429 $1,567 $1,699 $1,825 $1,945 $2,059 $2,167 $2,269 $2,365 $2,455 
$500,000 $1,504 $1,642 $1,774 $1,900 $2,020 $2,134 $2,242 $2,344 $2,440 $2,530 

NON-RESIDENTIAL CONTENTS-ONLY COVERAGE1, 2 

Contents Above Ground Level More Than One Floor All Other Locations (Basement-Only Not Eligible) 
Contents Premium Contents Premium 
$ 50,000 $145 $ 50,000 $ 330 
$100,000 $220 $100,000 $ 500 
$150,000 $295 $150,000 $ 670 
$200,000 $370 $200,000 $ 840 
$250,000 $445 $250,000 $1,010 
$300,000 $520 $300,000 $1,180 
$350,000 $595 $350,000 $1,350 
$400,000 $670 $400,000 $1,520 
$450,000 $745 $450,000 $1,690 
$500,000 $820 $500,000 $1,860 

1Add the $50.00 Probation Surcharge, if applicable. 
2Premium includes Federal Policy Fee of $13.00. 
3Premium includes ICC premium of $6.00. Deduct this amount if the risk is a condominium unit. 


PRP 5 May 1, 2008 


XI. CONVERSION OF STANDARD RATED 
POLICY TO PRP DUE TO MISRATING 
A policy written as a Standard B, C, or X Zone 
policy and later found to be eligible for a PRP 
may be endorsed or rewritten as a PRP for only 
the current policy term. 

When the risk has been rated with other than B, 
C, or X Zone rates, but is later found to be in a 
B, C, or X Zone and eligible for a PRP, the 
writing company will be allowed to endorse or 
cancel/rewrite up to 6 years. 

The policy may be canceled/rewritten using 
Cancellation Reason Code 22 if both of the 
following conditions are met: 

 The request to endorse or cancel/rewrite the 
policy is received during the current policy 
term. 
 The policy has no open claim or closed paid 
claim on the policy term being canceled. 
The new PRP building and/or contents coverage 
will be equal either to the building limit issued 
under the Standard B, C, or X Zone policy or the 
next higher limit available under the PRP if there 
is no PRP option equal to the Standard B, C, or 
X Zone building limit. For a standard contents-
only policy, the contents coverage will be equal 
to the limit issued under the standard policy or 
the next higher limit. If building coverage is 
desired, the policy should be endorsed for 
building and contents coverage with a 30-day 
waiting period applied. 

XII. CONVERSION OF STANDARD RATED 
POLICY TO PRP DUE TO MAP 
REVISION, LOMA, OR LOMR 
A standard rated policy may be canceled and 
rewritten as a PRP as a result of a map revision, 
LOMA, or LOMR if the effective date of the map 
change was on or after February 1, 2005. 

The policy may be canceled/rewritten using 
Cancellation Reason Code 24 under the 
following conditions: 

 The request to cancel/rewrite the standard 
policy must be received during the policy 
term or within 6 months of the policy 
expiration date. 
 The standard policy has no open claim or 
closed paid claim on the policy terms being 
canceled. 
 The property meets all other PRP eligibility 
requirements. 
The building and/or contents coverage on the 
new PRP must be equal either to the building 
limit and/or contents limit issued under the 
standard policy, or to the next higher limit 
available under the PRP if there is no PRP 
option equal to the standard policy building 
and/or contents limit. 

XIII. CONVERSION OF PRP TO STANDARD 
RATED POLICY 
A Preferred Risk Policy must be canceled and 
rewritten to a standard rated policy if the risk no 
longer meets the PRP eligibility requirements. 

The building and/or contents coverage on the 
new standard policy must be equal to the 
building limit and/or contents limit issued under 
the PRP. 

XIV. COMPLETING THE FLOOD INSURANCE 
PREFERRED RISK POLICY APPLICATION 
A. Policy Status 
In the upper right corner of the form, check the 
appropriate box to indicate if the application is 
for a NEW policy or a RENEWAL of an existing 
policy. If the application is for a renewal, enter 
the current NFIP policy number. 

B. Policy Term 
The PRP is available only for 1-year terms. 

1. Check the appropriate box to indicate who 
should receive the renewal bill. If BILL 
FIRST MORTGAGEE is checked, complete 
"First Mortgagee" section. If BILL SECOND 
MORTGAGEE, BILL LOSS PAYEE, or 
BILL OTHER is checked, provide mailing 
instructions in "Second Mortgagee or 
Other" section. 
2. Enter the policy effective date and policy 
expiration date (month-day-year). The 
effective date of the policy is determined by 
adding the appropriate waiting period to the 
date of application in the "Signature" section. 
Above these dates, check the appropriate 
box to indicate whether the waiting period is 
STANDARD 30-DAY or LOANNO 
WAITING. Refer to the General Rules 
section, page GR 8, for the applicable 
waiting period. 
PRP 6 May 1, 2008 


C. Agent Information 
Enter the agent's (producer's) name, agency 
name and number, address, city, state, ZIP 
Code, telephone number, fax number, and Tax 

I.D. Number. 
D. Insureds Mailing Address 
1. Enter the name, mailing address, city, 
state, ZIP Code, and telephone number of 
the insured. 
2. If the insured's mailing address is a post 
office box or a rural route number, or if the 
address of the property to be insured is 
different from the mailing address, 
complete the "Property Location" section of 
the application. 
E. Disaster Assistance 
1. Check YES if flood insurance is being 
required for disaster assistance. Enter the 
insured's Case File Number, Disaster 
Assistance Number, or Tax I.D. Number on 
the line for CASE FILE NUMBER. 
2. In the "Second Mortgagee or Other" block, 
identify the government (disaster) agency, 
and enter the complete name and mailing 
address of the disaster agency. 
3. If NO is checked, no other information is 
required. 
F. First Mortgagee 
Enter the name, mailing address, city, state, ZIP 
Code, telephone number, and fax number of the 
first mortgagee. Enter the loan number. 

G. Second Mortgagee or Other 
1. Identify additional mortgagees by checking 
the appropriate box and entering the loan 
number, mortgagee's name, mailing address, telephone number, and fax number. 
2. If more than one additional mortgagee or 
disaster assistance agency exists, provide 
the requested information on the producer's 
letterhead. 
H. Property Location 
1. Check YES if the location of the property 
being insured is the same as the address 
entered in the "Insureds Mailing Address" 
section. Leave the rest of this section blank 
unless there is more than one building at 
the property location. 
2. If more than one building is at the location 
of the insured property, use this section to 
specifically identify the building to be 
insured. Briefly describe the building or 
submit a sketch showing the location of 
insured buildings to assist the NFIP in 
matching the policy number to the specific 
building insured. 
3. If NO, provide the address or location of the 
property to be insured. 
4. If the insured's mailing address is a post 
office box or rural route number, give the 
street address, legal description, or 
geographic location of the property. 
I. Community 
1. Enter the name of the county or parish 
where the property is located. 
2. Check YES if the property is located in an 
unincorporated area of a county; otherwise, 
check NO. 
3. Enter the community identification number, 
map panel number, and revision suffix for 
the community where the property is 
located. Use the FIRM in effect and that 
has been published at the time of 
presentment of premium and completion of 
application. Community number and status 
may be obtained by calling the writing 
company, consulting a local community 
official, or referencing the NFIP Community 
Status Book online at 
www.fema.gov/fema/csb.shtm. 
4. Enter the Flood Insurance Rate Map zone. 
J. Building and Contents 
Complete all required information in this section. 

1. Check building occupancy: Single Family, 
2-4 Family, Other Residential, or Non-
Residential (incl. Hotel/Motel). 
2. Enter date of construction. 
3. Check building type. If the building has a 
basement or enclosure, count the basement or enclosure as a floor. If the building 
type is a manufactured (mobile) home/ 
PRP 7 May 1, 2008 


travel trailer on foundation, enter the make, 
model, and serial number in the block at 
the bottom of this section. 

4. Check the Y box (YES) or the N box 
(NO) for CONDO UNIT and 
TOWNHOUSE/ROWHOUSE CONDO 
UNIT. 
5. Check location of buildings contents. 
(Contents located entirely in a basement 
are not eligible for contents-only coverage.) 
6. Check YES if the building is the insured's 
principal residence; otherwise, check NO. 
7. Using normal company practice, estimate 
the replacement cost value and enter the 
value in the space provided. Include the 
cost of the building foundation when 
determining the replacement cost value. 
K. Notice 
If the answer to either question A or question B 
is YES, this risk is not eligible for the Preferred 
Risk Policy. 

L. Premium 
1. Enter the coverage selected, and the 
premium, from the appropriate table on the 
back of the application form. 
2. Add the $50.00 Probation Surcharge, if 
applicable. Deduct $6.00 if this is an 
application for a condominium unit. 
M. Signature 
The producer must sign the Preferred Risk 
Policy Application and is responsible for the 
completeness and accuracy of the information 
provided on it. Enter the date of application 
(month/day/year). The waiting period is added to 
this date to determine the policy effective date of 
the policy listed in the Policy Term section. A 
check or money order for the Total Prepaid 
Amount, payable to the NFIP, must accompany 
the application. 

Electronics transactions are permitted if the 
business process includes authentication of 
signatures and dates of receipt of premium. 
WYO companies are responsible for determining 
the business practices and transaction 
authentication methods they will use to ensure 
the security and integrity of such transactions. 

A credit card payment by VISA, MasterCard, 
Diners Club, or American Express will also be 
acceptable if a disclaimer form, signed by the 
insured, is submitted with the Preferred Risk 
Policy Application. The disclaimer will state that 
cancellation of a policy due to a billing dispute 
will be permitted only for a billing error or fraud. If 
the credit card information is taken over the 
telephone by the producer, the producer may 
sign the authorization form on behalf of the payor 
only after having read the disclaimer to the 
payor. 

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MORTGAGE PORTFOLIO PROTECTION PROGRAM


I. BACKGROUND 
The Mortgage Portfolio Protection Program 
(MPPP) was introduced on January 1, 
1991, as an additional tool to assist the 
mortgage lending and servicing industries 
in bringing their mortgage portfolios into 
compliance with the flood insurance 
requirements of the Flood Disaster 
Protection Act of 1973. 

The MPPP is not intended to act as a 
substitute for the need for mortgagees to 
review all mortgage loan applications at the 
time of loan origination and comply with 
flood insurance requirements as 
appropriate. 

Proper implementation of the various 
requirements of the MPPP usually results in 
mortgagors, after their notification of the 
need for flood insurance, either showing 
evidence of such a policy, or contacting 
their local insurance agent or appropriate 
Write Your Own (WYO) company to 
purchase the necessary coverage. It is 
intended that flood insurance policies be 
written under the MPPP only as a last 
resort, and only on mortgages whose 
mortgagors have failed to respond to the 
various notifications required by the MPPP. 

MORTGAGE PORTFOLIO PROTECTION PROGRAM RATE AND
INCREASED COST OF COMPLIANCE (ICC) TABLE 


ZONE 
MPPP Rates per $100 
of Building Coverage 
MPPP Rates per $100 
of Contents Coverage 
ICC Premium for 
$30,000 Coverage 
Emergency Program Community 3.18 3.21 N/A 
A Zones - All building & 
occupancy types, 
except A99, AR, AR Dual Zones 
3.18 / 1.60 3.21 / 1.53 75.00 
V Zones - All building & 
occupancy types 
4.74 / 4.74 4.45 / 4.45 75.00 
A99 Zone, AR, AR Dual Zones .81 / .48 1.09 / .43 6.00 

NOTES: (1) ICC coverage does not apply to contents-only policies or to individually owned condominium units 
insured under the Dwelling Form or General Property Form. 
(2) The ICC premium is not eligible for the deductible discount. First calculate the deductible discount, 
then add in the ICC premium. 
(3) Add Federal Policy Fee and Probation Surcharge, if applicable, when computing the premium. 
(4) MPPP policies are not eligible for Community Rating System premium discounts. 

MPPP 1 May 1, 2008 


II. REQUIREMENTS FOR PARTICIPATING 
IN THE MPPP 
The following paragraphs represent the 
criteria and requirements that must be 
followed by all parties engaged in the sale 
of flood insurance under the National Flood 
Insurance Program's Mortgage Portfolio 
Protection Program. 

A. General 
1. All mortgagors notified, in 
conjunction with this Program, 
of their need to purchase flood 
insurance must be encouraged 
to obtain a Standard Flood 
Insurance Policy (SFIP) from 
their local agent. 
2. When a mortgagee or a 
mortgage servicing company 
discovers, at any time following 
loan origination, that one or 
more of the loans in its portfolio 
is determined to be located in a 
Special Flood Hazard Area 
(SFHA), and that there is no 
evidence of flood insurance on 
such property(ies), then the 
MPPP may be used by such 
lender/servicer to obtain (force 
place) the required flood 
insurance coverage. The MPPP 
process can be accomplished 
with limited underwriting 
information and with special flat 
flood insurance rates. 
3. In the event of a loss, the policy 
will have to be reformed if the 
wrong rate has been applied for 
the zone in which the property is 
located. Also, the amount of 
coverage may have to be 
changed if the building 
occupancy does not support 
that amount. 
4. It will be the WYO company's 
responsibility to notify the 
mortgagor of all coverage 
limitations at the inception of 
coverage and to impose those 
limitations that are applicable at 
the time of loss adjustment. 

B. WYO Arrangement 
Article IIIFees 
With the implementation of the 
MPPP, there is no change in the 
method of WYO company allowance 
from that which is provided in the 
Financial Assistance/Subsidy Arrangement for all flood insurance written. 

C. Use of WYO Company Fees for 
Lenders/Servicers or Others 
1. No portion of the allowance that 
a WYO company retains under 
the WYO Financial Assistance/ 
Subsidy Arrangement for the 
MPPP may be used to pay, 
reimburse or otherwise 
remunerate a lending institution, 
mortgage servicing company, or 
other similar type of company 
that the WYO company may 
work with to assist in its flood 
insurance compliance efforts. 
2. The only exception to this is a 
situation where the lender/ 
servicer may be actually due a 
commission on any flood 
insurance policies written on 
any portion of the institution's 
portfolio because it was written 
through a licensed property 
insurance agent on their staff or 
through a licensed insurance 
agency owned by the institution 
or servicing company. 
D. Notification 
1. WYO Company/Mortgagee 
Any WYO company participating 
in the MPPP must notify the 
lender or servicer, for which it is 
providing the MPPP capability, 
of the requirements of the 
MPPP. The WYO company 
must obtain signed evidence 
from each such lender or 
servicer indicating their receipt 
MPPP 2 May 1, 2008 


of this information, and keep a 
copy in its files. 

2. Mortgagee to MortgagorIn 
order to participate in the 
MPPP, the lender (or its 
authorized representative, which 
will typically 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 in 
Section O. 

E. Eligibility 
1. Type of UseThe 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 PropertyThe 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 
desired, 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). 

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 

MPPP 3 May 1, 2008 


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. UnderwritingApplication 
1. The MPPP will require less 
underwriting data than is 
normally required under the 
standard NFIP rules and 
regulations. The MPPP data 
requirements for rating, 
processing and reporting are, at 
a minimum: 
a. Name and mailing address 
of insured (mortgagor; also 
see Dual Interest), 
b. Address of insured 
(mortgaged) property, 
c. Community information 
(complete NFIP map panel 
number and date; program 
type, Emergency or 
Regular) countywide maps, 
d. Occupancy type (so 
statutory coverage limits are 
not exceeded. This data 
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, 
h. Mortgage loan number, 
i. Policy number. 

2. No elevation certificates will be 
required as there will be no 
elevation rating. 
N. Rates 
(See page MPPP 1.) 

O. Policy Declaration 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 (or the WYO 
company). 
MPPP 4 May 1, 2008 


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 (or WYO 
company) to replace this policy 
with a conventionally underwritten Standard Flood 
Insurance Policy, 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 
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 ReformationPolicy 
Correction 
Section VII.G. of the Dwelling Form 
and of the General Property Form 
will apply as appropriate. 

Examples of circumstances under 
which reformation or correction 
might be needed would be: 

Policy ReformationThe wrong flat 
rate was applied for the zone in 
which the property was actually 
located. Policy CorrectionThe 
amount of coverage exceeds the 
amount available under the NFIP for 
the type of building occupancy that 
represents the building insured. In 
such cases, the amount of coverage 
would have to be adjusted to the 
amount available and any 
appropriate premium adjustments 
made. 

Q. Coverage BasisActual 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 $500 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. 

MPPP 5 May 1, 2008 


U. Cancellations mortgagor or mortgagee. Any such 
assignment must be through an 
The NFIP Flood Insurance Manual endorsement. 
rules for cancellation/nullification are 
to be followed, when applicable. X. Article XIIIRestriction on Other 
Flood Insurance 
V. Endorsement 
Article XIII of the Arrangement is 
An MPPP policy may not be also applicable to the MPPP and, as 
endorsed to convert it directly to a such, does not allow a company to 
conventionally underwritten SFIP. sell other flood insurance that may 
Rather, a new policy application, be in competition with NFIP 
with a new policy number, must be coverage. This restriction, however, 
completed according to the applies solely to policies providing 
underwriting requirements of the flood insurance. It also does not 
SFIP, as contained in the NFIP apply to insurance policies provided 
Flood Insurance Manual. The MPPP by a WYO company in which flood 
policy may be endorsed to assign it is only one of several perils 
under rules of the NFIP. It may also provided, or when the flood 
be endorsed for other reasons such insurance coverage amounts are in 
as increasing coverage. excess of the statutory limits 
provided under the NFIP or when 
W. Assignment to a Third Party the coverage itself is of such a 
nature that it is unavailable under 
Current NFIP rules remain the NFIP, such as blanket portfolio 
unchanged; therefore, an MPPP coverage. 
policy may be assigned to another 


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GENERAL CHANGE ENDORSEMENT 


The NFIP General Change Endorsement form 
cannot be used to renew, extend, or change a 
policy term. However, the General Change 
Endorsement form, or a similar form for WYO 
companies, can be used to make certain types 
of coverage and rating changes or corrections to 
existing policy data. 

I. ENDORSEMENT RULES 
A. Coverage Endorsements 
1. Additional Coverage or Increase in Amount 
of Insurance 
Added coverage, or an increase in the 
amount of insurance, is permitted at any 
time during a policy term. The additional 
premium is calculated pro rata for the 
balance of the policy term, at either the 
rate in effect on the endorsement 
effective date or the rate in effect on the 
policy effective date, in accordance with 
each WYO companys standard business 
practice. (See Examples 1 through 4 at 
the end of this section.) Refer to the 
General Rules section, page GR 8, for 
the applicable waiting period. 

2. Reduction of Insurance 
A reduction in the amount of building 
insurance cannot be made unless part of 
the building has been removed, which 
reduces the buildings value to less than 
the amount of the building insurance, or 
a current appraisal or cost estimate is 
provided which shows that the buildings 
current coverage amount is higher than 
the estimated replacement cost of the 
building. (See Example 6 at the end of 
this section.) 

A reduction in the amount of contents 
insurance cannot be made unless some 
of the contents have been sold or 
removed, which reduces the contents 
value to less than the amount of the 
contents insurance. 

3. Removal of a Coverage 
There is no return premium for the 
removal of building or contents coverage 
unless the property is no longer at the 
described location or the property of the 
policyholder. (See Example 5 at the end 
of this section.) 

B. Rating Endorsements 
1. Rate Reduction 
It is not permissible to revise a policy's 
rating during a policy term, due to a rate 
decrease, unless the effective date of the 
rate change is prior to the policy's effective 
date. 

2. Rating Error 
The NFIP rules require that the policy must 
be in effect in order to process refunds. 

Corrections will be allowed for only the 
current year for failure of the WYO 
company or NFIP Direct to: 

 Use the map grandfather rule. 
 Use the V-Zone Risk Factor Rating 
Form. The endorsement effective date 
is either the date the V-Zone Risk Factor 
Rating Form was certified or the 
effective date of the current policy year, 
whichever is later. 
 Make a timely revision of alternative 
rates (rates used for Pre-FIRM rated 
risks where the zone is unknown). 
 Use Post-FIRM rating for a Pre-FIRM 
structure. The refund will be processed 
if the insured provides an Elevation 
Certificate. The endorsement effective 
date is the effective date of the current 
policy year. 
 Use an Elevation Certificate on Post-
FIRM buildings rated using Without 
Certification of Compliance or Elevation 
Certificate for Zones AO and AH, or 
No Elevation Certificate or No 
Estimated BFE for Unnumbered A 
Zone. The endorsement effective date is 
the effective date of the current policy 
term. 
3. Revision of an Alternative Rating 
Alternative rating is used to compute the 
premium on a Renewal Notice following 
conversion of a community from the 
Emergency Program to the Regular 
Program. Alternative rates are also used 
by producers for the rating of Pre-FIRM 
construction. Alternative rating allows the 
producer and the policyholder 1 year to 
revise the rating, so a premium refund 

 END 1 May 1, 2008 


can be obtained from the renewal or 
inception date if it is determined that the 
insured property is located in a lower 
rated zone. During subsequent policy 
terms, such revisions may also be made 
effective with the start of the policy term. 

4. Map Revision 
A map change (reprinting, Letter of Map 
Amendment [LOMA], Letter of Map 
Revision [LOMR], or Letter of Determination Review [LODR]) may change the 
flood zone in which a property is located to 
a lower rated zone, or it may change the 
Base Flood Elevation. In such cases, the 
policy rating may be revised for the current 
and prior policy years if the change 
occurred prior to the current policy year. 

When a community has been converted 
from the Emergency Program to the 
Regular Program, the policy rating may be 
revised to reflect the correct flood zone. 
However, no premium refund is allowed on 
premium previously paid. 

C. Misrated Policy 
Premium refunds will be allowed with proper 
documentation (see III.B.2.a.) going back a 
maximum of 6 calendar years when there was 
a misrating such as an incorrect building 
description, lowest floor elevation, community 
number, flood zone, or Base Flood Elevation, 
so long as the insured can provide proof of 
the misrating. 

The flood zone and Base Flood Elevation can 
only be corrected using the current FIRM. 

Any lapse in coverage does not extend the 
number of years the premium refund is 
allowed. 

D. Conversion of Standard Rated Policy to 
PRP Due to Misrating or Map Revision 
A policy written as a Standard B, C, or X Zone 
policy and later found to be eligible for a PRP 
may be endorsed or rewritten as a PRP for only 
the current policy term. 

When the risk has been rated with other than B, 
C, or X Zone rates, but is later found to be in a 
B, C, or X Zone and eligible for a PRP, the 
writing company will be allowed to endorse or 
cancel/rewrite up to 6 years. 

The policy may be canceled/rewritten using 
Cancellation Reason Code 22 if both of the 
following conditions are met: 

 The request to endorse or cancel/rewrite the 
policy is received during the current policy 
term. 
 The policy has no open claim or closed paid 
claim. 
The new PRP building coverage will be equal 
either to the building limit issued under the 
Standard B, C, or X Zone policy or the next 
higher limit available under the PRP if there is 
no PRP option equal to the Standard B, C, or X 
Zone building limit. 

E. Changing Deductibles 
Increasing deductibles is permitted during the 
current policy term. (See Example 7 at the end 
of this section.) Deductibles cannot be reduced 
mid-term, unless required by the mortgagee and 
written authorization is provided by the 
mortgagee. A 30-day waiting period will apply 
unless the request to reduce the deductible is in 
connection with making, extending, or renewing 
a loan. 

The ICC premium is not eligible for the 
deductible discount or surcharge. First calculate 
the deductible discount or surcharge, then add 
in the ICC premium. 

F. Correcting Property Address 
A policy cannot be endorsed to change the 
location. This includes relocation from one unit 
to another unit in the same building. 

However, an erroneous address (e.g., through 
typographical error) can be corrected through 
endorsement. The agent must provide proof or a 
reasonable explanation for the error. 

II. ENDORSEMENT PROCESSING PRIOR 
TO POLICY RENEWAL (NFIP DIRECT 
BUSINESS ONLY) 
A. During Last 90 Days of Policy Term 
1. If the premium payment for renewal of the 
policy has not already been processed by 
the NFIP, a General Change Endorsement 
processed will produce a revised Renewal 
Notice for the upcoming term. 
2. If the original Renewal Notice has not been 
paid, the payor may use the revised 
Renewal Notice or subsequent Final 
Notice. 
END 2 May 1, 2008 


B. During Last 75 Days of Policy Term 
1. If the original Renewal Notice has not been 
paid, the producer must submit the General 
Change Endorsement for the current policy 
term only and submit a renewal Application 
for the upcoming term. A separate premium 
payment must be submitted for each 
transaction. (The insured and/or mortgagee, if payor, should be advised not to 
pay the Renewal Notice or Final Notice 
when a renewal Application and premium 
have been submitted.) 
2. If the original Renewal Notice has been 
paid, the producer must submit the General 
Change Endorsement together with any 
required additional premium for the renewal 
policy term and, if applicable, a separate 
General Change Endorsement and 
additional premium for the remainder of the 
current policy term. The effective date of 
the endorsement to increase coverage (up 
to the inflation factor) will be the renewal 
date only if the endorsement and 
additional premium are received within the 
30-day grace period. 
C. Refunds Generated from Endorsement 
Processing 
The return premium is based on rates in effect 
on the effective date of the change or the policy 
effective date, in accordance with the WYO 
companys standard business practice. It is 
calculated by revising the rate, effective from the 
inception date of the current policy term, 
provided the inception date is on or after the 
community conversion date. 

The Federal Policy Fee and Probation 
Surcharge (if applicable) are not subject to 
calculation of return premiums. 

III. PREPARATION OF FORM 
A. General Instructions 
Endorsements are processed by submitting a 
completed General Change Endorsement form 
and proper documentation (see III.B.2.a.) to the 
writing company. 

Instructions for completing the General Change 
Endorsement form are self-explanatory. The 
following items are of special note: 

 The policy term cannot be changed. All 
calculations must reflect the policy term 
shown on the current declarations page. 
 A geographic location must be given for a 
property. For example, the insured's mailing 
address may be shown as: 
Route 4 
Box 179 
Danville, Ohio 43014 

The property location should be completed 
as: Farmhouse on the north side of U.S. 70, 
6 miles west of Danville, Ohio 43014. 

 The contents location section should be 
completed if contents coverage is being 
added/deleted or if the location of the 
contents being insured within the described 
building has changed. Provide an 
explanation of the change of location in the 
description area of the section. 
 All endorsements, whether paper or 
electronic form, must be signed. 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. 
 The insured must sign and date the General 
Change Endorsement form whenever there 
is a request to reduce policy limits, make 
policy assignment, or change the agent of 
record. 
B. Refund Processing Procedures 
1. The current NFIP insurer (WYO Company or 
Direct Business) will be responsible for 
returning the premium for the current and 
prior policy year, provided that it was the 
insurer for that period. If another NFIP 
insurer was the insurer for the prior policy 
year, it will be responsible for returning the 
premium for that year. Agents submit 
requests to their carrier. 
2. Requests for refunds for more than 2 years 
must be processed by the NFIP Bureau. 
a. For requests processed by the Bureau, 
the current NFIP insurer must submit all 
of the documentation necessary to 
make a refund for any period exceeding 
2 years. At a minimum, this documentation will consist of the following: 
END 3 May 1, 2008 


 The companys statistical records or 
declarations pages for each policy 
term and evidence of premium 
payments obtained from the insured 
if these documents are not available 
from the companys records. 
 An endorsement request for each 
year and the premium refund 
calculation for each year that the 
company had the policy. 
 A Letter of Map Amendment 
(LOMA); a Letter of Map Revision 
(LOMR); a Letter of Determination 
Review (LODR); a copy of the most 
recent flood map marked to show 
the exact location and flood zone of 
the building; a letter indicating the 
exact location and flood zone of the 
building, and signed and dated by a 
local community official; an Elevation Certificate indicating the 
exact location and flood zone of the 
building, and signed and dated by a 
surveyor, engineer, architect, or 
local community official; or a flood 
zone determination certification that 
guarantees the accuracy of the 
information. 

b. In order for the Bureau to process a refund 
request, the appropriate documentation 
must be mailed directly to the NFIP Bureau 
and Statistical Agent, Underwriting 
Department, P.O. Box 310, Lanham, MD 
20703. 
3. WYO Companies will be notified of the 
premium refunded and the Expense 
Allowance due to the NFIP. The companies 
must maintain this documentation as part of 
their underwriting files. 
4. Any lapse in coverage does not extend the 
number of years the premium refund is 
allowed. 
The Bureau will return to the sender any 
unauthorized refund requests for more than 
2 years. 

 END 4 May 1, 2008 


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 Removing Contents ................................................................................. END 10 


Example 6 Reducing Building Coverage ................................................................... END 11 


Example 7 Increasing Deductible .............................................................................. END 12 


 END 5 May 1, 2008 


EXAMPLE 1 
INCREASING COVERAGE ON A PREFERRED RISK POLICY


 
 
Policy term is October 15, 2007-2008 
Pre-FIRM, X-Zone, with basement 
 Rates in effect on the effective date of the policy 
are to be used in calculating the premiums. 

 
Present coverage: 
Building $75,000/Contents $30,000 
Premium at policy inception was $232. 
 
 
The difference between these two premiums is 
$99. 
Prorate the difference using the pro rata factor 
below: 
 Endorsement effective date is June 2, 2008. Time period is June 2, 2008, 
to October 15, 2008 
 Coverages added are $125,000 on the building 
and $50,000 on the contents for a total of 
Number of days is 135 
Pro rata factor is .370 
$200,000 on the building and $80,000 on the 
contents. 

SECTION A SECTION B NEW 
INSURANCE 
COVERAGE 
CURRENT COVERAGE + INCREASED  DECREASED COVERAGE 
ONLY 
PREMIUM 
TOTALS 
AMOUNT RATE PREMIUM AMOUNT RATE PREMIUM 
BUILDING BASIC 75,000 . 232 125,000 . 331 331 
BUILDING . 
ADDITIONAL 
CONTENTS BASIC 30,000 50,000 . 
CONTENTS . 
ADDITIONAL 
IF CHANGING AMOUNT OF INSURANCE, ENTER NEW TOTAL AMOUNT BELOW PAYMENT 
OPTION: SUBTOTAL 331 
BUILDING COVERAGE CONTENTS COVERAGE .. CREDIT CARD 
DEDUCT. 
DISCOUNT/SURCHARGE . 
BASIC ADDITIONAL TOTAL BASIC ADDITIONAL TOTAL .. OTHER: SUBTOTAL 331 
200,000 80,000 ICC PREMIUM . 
SUBTOTAL 331 
IF RETURN PREMIUM, MAIL REFUND TO: . INSURED .. AGENT . PAYOR. THE ABOVE CRS PREMIUM DISCOUNT ____% . 
STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT SUBTOTAL 331 
ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER PREMIUM PREVIOUSLY PAID 
APPLICABLE FEDERAL LAW. (Excludes Probation Surcharge/ 
Federal Policy Fee) 232 
DIFFERENCE + (+/-) +99 
SIGNATURE OF INSURED AND DATE SIGNATURE OF INSURANCE AGENT/BROKER DATE (MMDDYY) PRO RATA FACTOR .370 
TOTAL (+/-) +37 

 END 6 May 1, 2008 


EXAMPLE 2 
INCREASING COVERAGE, PROGRAM CONVERSION 


 Policy term is January 15, 2007-2008 
 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, 2007 
 Building located in an A99 Zone 
 Premium rates are: Building .64/.17, Contents 
.99/.30. 
 Endorsement effective date is August 14, 2007. 
(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 August 14, 2007, 
to January 15, 2008 
Number of days is 154 
Pro rata factor is .422 

INSURANCE 
COVERAGE 
SECTION A 
CURRENT COVERAGE + INCREASED 
SECTION B 
 DECREASED COVERAGE 
ONLY 
NEW 
PREMIUM 
TOTALS 
AMOUNT RATE PREMIUM AMOUNT RATE PREMIUM 
BUILDING BASIC 35,000 .76 266 15,000 .64 96 362 
BUILDING 
ADDITIONAL 
35,000 .17 60 60 
CONTENTS BASIC 10,000 .96 96 10,000 .99 99 195 
CONTENTS 
ADDITIONAL 
5,000 .30 15 15 
IF CHANGING AMOUNT OF INSURANCE, ENTER NEW TOTAL AMOUNT BELOW PAYMENT 
OPTION: SUBTOTAL 632 
BUILDING COVERAGE CONTENTS COVERAGE .. CREDIT CARD 
DEDUCT. 
DISCOUNT/SURCHARGE . 
BASIC ADDITIONAL TOTAL BASIC ADDITIONAL TOTAL .. OTHER: SUBTOTAL 632 
50,000 35,000 85,000 20,000 5,000 25,000 ICC PREMIUM 6 
SUBTOTAL 638 
IF RETURN PREMIUM, MAIL REFUND TO: . INSURED . AGENT . PAYOR. THE ABOVE CRS PREMIUM DISCOUNT ____% . 
STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT SUBTOTAL 638 
ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER 
APPLICABLE FEDERAL LAW. 
PREMIUM PREVIOUSLY PAID 
(Excludes Probation Surcharge/ 
Federal Policy Fee) 362 
DIFFERENCE + (+/-) +276 
SIGNATURE OF INSURED AND DATE SIGNATURE OF INSURANCE AGENT/BROKER DATE (MMDDYY) PRO RATA FACTOR .422 
TOTAL (+/-) +116 

 END 7 May 1, 2008 


EXAMPLE 3 
INCREASING COVERAGE 


 Policy term is December 12, 2007-2008  $10,000 of the $15,000 coverage to be added on 
the contents must be calculated under the 
 Single family dwelling, no basement Amount column under Section B, Increased
 
Pre-FIRM Building 
Building located in Zone C 
Decreased Coverage Only (using the applicable 
rate) to amend the present coverage to the 
threshold for the Regular Program basic limits. 
 Present coverage: Building $35,000/ Contents 
$10,000 
 Add Section A and B premiums to obtain the 
New Premium Totals. 
 Add the New Premium Totals to calculate the 
 Endorsement is effective on May 1, 2008, to add 
additional coverage of $65,000 on the building 
and $15,000 on the contents for a total of  
Premium Subtotal. 
Add in the ICC Premium. 
 
$100,000 building coverage and $25,000 
contents coverage. 
Premium rates are: Building .71/.19, Contents 
1.09/.33. 
 The Premium Previously Paid is $358 (excluding 
Probation Surcharge/Federal Policy Fee) which is 
the total current annual premium including ICC 
premium. 
 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. 
 
 
Subtract the Premium Previously Paid from the 
Premium Total to obtain the Difference (should 
be additional/return premium). 
Prorate the Difference 
 $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 
Time period is May 1, 2008, 
to December 12, 2008 
Coverage Only (using the applicable rate) to 
amend the present coverage to the threshold for 
the Regular Program basic limits. 
Number of days is 225 
Pro rata factor is .616 

INSURANCE 
COVERAGE 
SECTION A 
CURRENT COVERAGE + INCREASED 
SECTION B 
 DECREASED COVERAGE 
ONLY 
NEW 
PREMIUM 
TOTALS 
AMOUNT RATE PREMIUM AMOUNT RATE PREMIUM 
BUILDING BASIC 35,000 .71 249 15,000 .71 107 356 
BUILDING 
ADDITIONAL 
50,000 .17 85 95 
CONTENTS BASIC 10,000 1.09 109 10,000 1.09 109 218 
CONTENTS 
ADDITIONAL 
5,000 .33 17 17 
IF CHANGING AMOUNT OF INSURANCE, ENTER NEW TOTAL AMOUNT BELOW PAYMENT 
OPTION: SUBTOTAL 686 
BUILDING COVERAGE CONTENTS COVERAGE .. CREDIT CARD 
DEDUCT. 
DISCOUNT/SURCHARGE . 
BASIC ADDITIONAL TOTAL BASIC ADDITIONAL TOTAL .. OTHER: SUBTOTAL 686 
50,000 50,000 100,000 20,000 5,000 25,000 ICC PREMIUM 6 
SUBTOTAL 692 
IF RETURN PREMIUM, MAIL REFUND TO: . INSURED . AGENT . PAYOR. THE ABOVE CRS PREMIUM DISCOUNT ____% . 
STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT SUBTOTAL 692 
ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER 
APPLICABLE FEDERAL LAW. 
PREMIUM PREVIOUSLY PAID 
(Excludes Probation Surcharge/ 
Federal Policy Fee) 358 
DIFFERENCE + (+/-) +334 
SIGNATURE OF INSURED AND DATE SIGNATURE OF INSURANCE AGENT/BROKER DATE (MMDDYY) PRO RATA FACTOR .616 
TOTAL (+/-) +206 

 END 8 May 1, 2008 


EXAMPLE 4 
INCREASING COVERAGE AFTER A RATE CHANGE 


 Policy term is July 15, 2007-2008 
 Single family dwelling, Regular Program 
 One floor, no basement 
 Current policy limits: Building $30,000 Contents 
$8,000 
 Building located in an AE Zone, Post-FIRM 
 Premium rates are: Building 1.31, Contents 
1.22 

 Post-FIRM construction with a 0 elevation 
difference 
 Endorsement effective date is May 15, 2008 
 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 May 1, 2008. 
 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 (1.31). (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 (1.22). 
 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 $491 
(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 May 15, 2008, 
to July 15, 2008 
Number of days is 61 
Pro rata factor is .167 

INSURANCE COVERAGE 
SECTION A 
CURRENT COVERAGE + INCREASED 
SECTION B 
 DECREASED COVERAGE 
ONLY 
NEW 
PREMIUM 
TOTALS 
AMOUNT RATE PREMIUM AMOUNT RATE PREMIUM 
BUILDING BASIC 30,000 1.31 393 15,000 1.31 197 590 
BUILDING 
ADDITIONAL 
CONTENTS BASIC 8,000 1.22 98 7,000 1.22 85 183 
CONTENTS 
ADDITIONAL 
IF CHANGING AMOUNT OF INSURANCE, ENTER NEW TOTAL AMOUNT BELOW PAYMENT 
OPTION: SUBTOTAL 773 
BUILDING COVERAGE CONTENTS COVERAGE .. CREDIT CARD 
DEDUCT. 
DISCOUNT/SURCHARGE . 
BASIC ADDITIONAL TOTAL BASIC ADDITIONAL TOTAL .. OTHER: SUBTOTAL 773 
45,000 0 45,000 15,000 0 15,000 ICC PREMIUM 6 
SUBTOTAL 779 
IF RETURN PREMIUM, MAIL REFUND TO: . INSURED .. AGENT . PAYOR. THE ABOVE CRS PREMIUM DISCOUNT ____% . 
STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT SUBTOTAL 779 
ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER 
APPLICABLE FEDERAL LAW. 
PREMIUM PREVIOUSLY PAID 
(Excludes Probation Surcharge/ 
Federal Policy Fee) 491 
DIFFERENCE + (+/-) +288 
SIGNATURE OF INSURED AND DATE SIGNATURE OF INSURANCE AGENT/BROKER DATE (MMDDYY) PRO RATA FACTOR .167 
TOTAL (+/-) +48 

 END 9 May 1, 2008 


EXAMPLE 5 
REMOVING CONTENTS 


 Policy term is May 20, 2008-2009  Enter the decrease in contents coverage in 
Section B. 
 Non-residential structure 
 Add all New Premium Totals to obtain the 
 Emergency Program Premium Subtotal. 
 
 
Policy limits: Building $100,000/Contents 
$100,000 
Insured purchased a new business location and 
moved the contents to the new location while still 
 The Premium Previously Paid is $2,450 
(excluding Probation Surcharge/Federal Policy 
Fee), which is the total current premium from 
Section A. 
retaining the old location as rental property. (This 
explanation should be recorded in the Reason for 
Change section of the General Change 
Endorsement form.) 
 
 
Subtract the Premium Previously Paid from the 
Premium Total to obtain the Difference (should 
be additional/return premium). 
Prorate the Difference 
 
 
Present rates for building and contents are 
.83/1.62. 
Removal date and effective date of change is 
January 14, 2009. 
Time period is January 14, 2009, 
to May 20, 2009 
Number of days is 126 
Pro rata factor is .345 
 Enter the current building and contents 
coverages in Section A and the current 
rates (.83/1.62). 

INSURANCE 
COVERAGE 
SECTION A 
CURRENT COVERAGE + INCREASED 
SECTION B 
 DECREASED COVERAGE 
ONLY 
NEW 
PREMIUM 
TOTALS 
AMOUNT RATE PREMIUM AMOUNT RATE PREMIUM 
BUILDING BASIC 100,000 .83 830 0 830 
BUILDING 
ADDITIONAL 
CONTENTS BASIC 100,000 1.62 1,620 -100,000 1.62 -1,620 0 
CONTENTS 
ADDITIONAL 
IF CHANGING AMOUNT OF INSURANCE, ENTER NEW TOTAL AMOUNT BELOW PAYMENT 
OPTION: SUBTOTAL 830 
BUILDING COVERAGE CONTENTS COVERAGE .. CREDIT CARD 
DEDUCT. 
DISCOUNT/SURCHARGE . 
BASIC ADDITIONAL TOTAL BASIC ADDITIONAL TOTAL .. OTHER: SUBTOTAL 830 
. . 100,000 . . 0 ICC PREMIUM . 
SUBTOTAL 830 
IF RETURN PREMIUM, MAIL REFUND TO: . INSURED .. AGENT . PAYOR. THE ABOVE CRS PREMIUM DISCOUNT ____% . 
STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT SUBTOTAL 830 
ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER 
APPLICABLE FEDERAL LAW. 
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 .345 
TOTAL (+/-) -559 

 END 10 May 1, 2008 


EXAMPLE 6 
REDUCING BUILDING COVERAGE 


 Policy term is September 1, 2007-2008 
 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, 2006, 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 .81/.27. 
 Endorsement effective date is July 1, 2008. 
 In Section A, enter the basic building amount 
($50,000) and the applicable rate (.81). 
 In Section B, enter the new additional building 
amount at the same rate of .27. 
 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 $675 (excluding 
Probation Surcharge/Federal Policy Fee), which 
is the total current annual premium including ICC 
premium. 
 Add 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, 2008, 
to September 1, 2008 
Number of days is 62 
Pro rata factor is .170 

INSURANCE 
COVERAGE 
SECTION A 
CURRENT COVERAGE + INCREASED 
SECTION B 
 DECREASED COVERAGE 
ONLY 
NEW 
PREMIUM 
TOTALS 
AMOUNT RATE PREMIUM AMOUNT RATE PREMIUM 
BUILDING BASIC 50,000 .81 405 0 405 
BUILDING 
ADDITIONAL 
100,000 .27 270 -50,000 .27 -135 135 
CONTENTS BASIC . 
CONTENTS 
ADDITIONAL 
. 
IF CHANGING AMOUNT OF INSURANCE, ENTER NEW TOTAL AMOUNT BELOW PAYMENT 
OPTION: SUBTOTAL 540 
BUILDING COVERAGE CONTENTS COVERAGE .. CREDIT CARD 
DEDUCT. 
DISCOUNT/SURCHARGE . 
BASIC ADDITIONAL TOTAL BASIC ADDITIONAL TOTAL .. OTHER: SUBTOTAL 540 
50,000 50,000 100,000 ICC PREMIUM 6 
SUBTOTAL 546 
IF RETURN PREMIUM, MAIL REFUND TO: . INSURED . AGENT .. PAYOR. THE ABOVE CRS PREMIUM DISCOUNT ____% . 
STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT SUBTOTAL 546 
ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER 
APPLICABLE FEDERAL LAW. 
PREMIUM PREVIOUSLY PAID 
(Excludes Probation Surcharge/ 
Federal Policy Fee) 675 
DIFFERENCE (+/-) -129 
SIGNATURE OF INSURED AND DATE SIGNATURE OF INSURANCE AGENT/BROKER DATE (MMDDYY) PRO RATA FACTOR .170 
TOTAL (+/-) -22 

 END 11 May 1, 2008 


EXAMPLE 7 
INCREASING DEDUCTIBLE 


 Policy term is January 15, 2008-2009 
 Single family dwelling 
 Emergency Program (Pre-FIRM) 
 Current policy limits: Building $35,000/Contents 
$10,000 
 Policy deductible: $1,000/$1,000 
 Insured requests to increase deductible to 
$4,000/$2,000 (.825), effective June 15, 2008. 
(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 June 15, 2008, 
to January 15, 2009 
Number of days is 214 
Pro rata factor is .586 

*ICC-N/A in Emergency Program 

INSURANCE 
COVERAGE 
SECTION A 
CURRENT COVERAGE + INCREASED 
SECTION B 
 DECREASED COVERAGE 
ONLY 
NEW 
PREMIUM 
TOTALS 
AMOUNT RATE PREMIUM AMOUNT RATE PREMIUM 
BUILDING BASIC 35,000 .76 266 0 266 
BUILDING 
ADDITIONAL 
. 
CONTENTS BASIC 10,000 .96 96 0 96 
CONTENTS 
ADDITIONAL 
. 
IF CHANGING AMOUNT OF INSURANCE, ENTER NEW TOTAL AMOUNT BELOW PAYMENT 
OPTION: SUBTOTAL 362 
BUILDING COVERAGE CONTENTS COVERAGE .. CREDIT CARD 
DEDUCT. 
DISCOUNT/SURCHARGE -63 
BASIC ADDITIONAL TOTAL BASIC ADDITIONAL TOTAL .. OTHER: SUBTOTAL 299 
ICC PREMIUM N/A 
SUBTOTAL 299 
IF RETURN PREMIUM, MAIL REFUND TO: . INSURED .. AGENT . PAYOR. THE ABOVE CRS PREMIUM DISCOUNT ____% . 
STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT SUBTOTAL 299 
ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER 
APPLICABLE FEDERAL LAW. 
PREMIUM PREVIOUSLY PAID 
(Excludes Probation Surcharge/ 
Federal Policy Fee) 362 
DIFFERENCE (+/-) -63 
SIGNATURE OF INSURED AND DATE SIGNATURE OF INSURANCE AGENT/BROKER DATE (MMDDYY) PRO RATA FACTOR .586 
TOTAL (+/-) -37 

END 12 May 1, 2008 


END 13 May 1, 2008 


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(PREVIOUS SECTION) PREVIOUS SECTION 
POLICY RENEWALS 


I. GENERAL INFORMATION 
The Standard Flood Insurance Policy is not a 
continuous policy. Each policy contract expires at 

12:01 a.m. on the last day of the policy term. 
Renewal of an expiring policy establishes a new 
policy term and new contractual agreement 
between the policyholder and the Federal 
Emergency Management Agency. The NFIP 
must issue a notice of expiration not less than 45 
days before the expiration of the flood insurance 
policy by first class mail to the owner of the 
property, the servicer of any loan secured by the 
property, and (if known) the owner of the loan. 
All policies, including Submit-for-Rate, must be 
renewed using the rates in effect on the renewal 
date. 

Policy renewal documentation and premium 
should be submitted to the NFIP in advance of 
the policy expiration date to ensure there is no 
lapse in coverage. There are two ways to renew 
a policy written directly with the National Flood 
Insurance Program or WYO Company: 

1. The producer should complete the entire 
Flood Insurance Application when 
recertifying or changing policy 
information, and mail it with the Total 
Prepaid Amount to the NFIP. 
The 30-day waiting period applies when 
an additional amount of insurance 
requested at renewal time is higher than 
the amount listed on the renewal bill 
provided by the insurer. The beginning of 
the waiting period is determined by the 
standard rules. 

OR 

2. The payor should respond to a Renewal 
Notice by selecting an option shown on 
the direct mail notice and returning it with 
the Total Prepaid Amount to the NFIP. 
II. RENEWAL NOTICE 
All parties listed on the policy (insured, agent, 
mortgagees) are mailed a Renewal Notice 45 
days prior to the policy expiration date. The party 
designated on the policy record as the payor 
receives the payors copy of the bill; all other 
parties receive a copy that states THIS IS NOT A 
BILL. 

A. Renewing for the Same Coverage  
Option A 
Option A of the Renewal Notice shows current 
amounts of insurance and deductibles at the time 
the Renewal Notice is printed 

B. Inflation Factor  Option B 
Option B shows premium for amounts of 
insurance increased by an inflation factor of 10 
percent for building coverage and 5 percent for 
contents coverage. The current deductible is 
used. For Preferred Risk Policies, Option B is the 
next higher coverage package available. There is 
no waiting period if Option B is chosen. The 
inflation option will be no higher than the 
replacement cost on record for that policy. If 
coverage higher than the current replacement 
cost on record is desired, updated replacement 
cost documentation must be submitted. 

C. Nonrenewal and Cancellation 
Renewal Notices will not be generated and 
policies will not be renewed for the following 
situations: 

1. Building under construction 
2. Tentatively rated policy 
3. Suspended community 
4. Provisional rating 
5. Group Flood Insurance Policy 
6. PRP ineligibility 
7. Section 1316 property 
However, in each of the situations above, any 
mortgagee named on the policy must be notified 
of the nonrenewal or cancellation, as required by 
the Mortgage Clause of the Standard Flood 
Insurance Policy (see General Conditions 
section, condition R). Within 5 days of the policy 
expiration date, an appropriately worded 
expiration notice must be sent to the mortgagee, 
with copies to the agent and the insured. 

III. PREMIUM PAYMENT DUE 
To ensure that the policy is renewed without a 
lapse in coverage, the premium must be received 
by the NFIP within 30 days after the expiration 
date. As an alternative, the premium can be 
mailed by certified mail within 30 days after the 
expiration date. The term certified mail has been 
broadened to include not only the U.S. Postal 
Service but also certain third-party delivery 
services. For details, see the paragraph following 

VIII.B.2. on page GR 8. Use the renewal date 
REN 1 May 1, 2008


plus 29 days to determine if the renewal premium 
was received within 30 days. 

Renewal payments may also be paid by VISA, 
MasterCard, American Express, Discover, or 
Diners Club. Use the detachable payment stub at 
the bottom of the Renewal and Final Notices, or 
use the Credit Card Payment Form at the end of 
this section. The form is also available in the 
Forms Library on the NFIP Servicing Agents web 
site at www.nfipservices.com. If a charge is 
declined, you will be notified by mail. 

IV. FINAL NOTICE 
If the premium payment is not received by the 
NFIP by the date of expiration, a Final Notice is 
produced. This notice is mailed to the producer, 
insured, and mortgagee. The expired policy will 
be reissued with a new effective date if the 
premium payment is not received by the NFIP 
within 30 days following the policy expiration 
date. 

Mortgagee protection under the policy shall 
continue in force after the expiration of the policy 
for 30 days from the mailing date. 

V. RENEWAL EFFECTIVE DATE 
DETERMINATION 
Renewal dates are calculated as follows: 

 If the Final Notice and the premium 
payment are received by the NFIP within 
30 days following the expiration, the policy 
will be issued under the same policy 
number as the previous term, with no 
lapse in coverage. For example, if the 
policy expires on May 1, the Final Notice 
and premium payment must be received 
on or before May 30. 
 If the Final Notice and the premium 
payment are received by the NFIP after 
the 30-day period, but within 90 days 
following the expiration, the policy will be 
placed in force 30 days following receipt 
by the NFIP. 

 If the Final Notice and the premium 
payment are received after 90 days 
following the expiration date, the agent 
must submit a new application with the full 
annual premium. The standard 30-day 
wait rules will apply. 
VI. INSUFFICIENT RENEWAL 
INFORMATION 
To generate Renewal Notices and Final Notices, 
the NFIP must have received acceptable 
application data. A Renewal Notice will not be 
generated in cases where a policy application 
has not been corrected prior to the start of a 
renewal cycle. Therefore, it is important that 
producers respond immediately to the requests 
for additional information. 

VII. ENDORSEMENTS DURING RENEWAL 
CYCLE 
Endorsements received at the NFIP within 75 
days of the policy expiration date may not be 
reflected on the renewal bill. The producer 
should, therefore, ensure that the new policy is 
properly endorsed after renewal. 

The producer should use a renewal application to 
ensure that all changes are reflected on the 
renewal. 

VIII. SEVERE REPETITIVE LOSS 
PROPERTIES 
All policy transactions for Severe Repetitive Loss 
(SRL) properties must be processed by the NFIP 
Special Direct Facility. See the SRL section of 
this manual for information. 

REN 2 May 1, 2008 


SUMMARY OF POLICY NOTICES 


 NOTICES 

RENEWAL NOTICE 

Shown on pages REN 4-5 

FINAL NOTICE 

Shown on pages REN 6-7 

POLICY 
DECLARATIONS PAGE 

Not shown 

 INSURED PRODUCER MORTGAGEE 
NFIP mails notice for NFIP mails notice for NFIP mails notice for 
payment 45 days 
prior to renewal date. 
payment 45 days 
prior to renewal 
date. 
payment 45 days 
prior to renewal date. 
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. 
NFIP mails Policy 
Declarations Page. 
NFIP mails Policy 
Declarations Page. 
NFIP mails Policy 
Declarations Page. 

REN 3 May 1, 2008 


REN 4 May 1, 2008 


REN 5 May 1, 2008 


REN 6 May 1, 2008 


REN 7 May 1, 2008 


(TABLE OF CONTENTS) TABLE OF CONTENTS
(PREVIOUS SECTION) PREVIOUS SECTION
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REN 8 May 1, 2008 


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CANCELLATION/NULLIFICATION


Flood insurance coverage may be terminated at 
any time, by either canceling or nullifying the policy, 
in accordance with a valid reason for the 
transaction, as described in Paragraphs I.B.1 - 24. 
If coverage is terminated, the insured may be 
entitled to a full or partial refund under applicable 
rules and regulations. In some instances, the 
insured might be ineligible for a refund. 

I. PROCEDURES AND VALID REASONS 
Submit a completed Cancellation/Nullification 
Request Form and proper documentation to the 
current NFIP insurer for processing. 

A. Refund Processing Procedures 
1. The current NFIP insurer will be responsible 
for returning the premium for the current 
and 1 prior policy year, provided that it was 
the insurer for that period. If another NFIP 
insurer was the insurer for the prior policy 
year, it will be responsible for returning the 
premium for that year. 
2. Requests for refunds for more than 2 years 
(Reason Codes 4, 6, 10, 16, and 22 only) 
must be processed by the NFIP Bureau. 
a. For requests processed by the Bureau, 
the current NFIP insurer must submit all 
of the documentation necessary to 
make a refund for any period exceeding 
2 years. At a minimum, this documentation will consist of the following: 
 A policy cancellation request and 
the premium refund calculation for 
each year. 
 The companys statistical records or 
declarations pages for each policy 
term and evidence of premium payments obtained from the insured if 
these documents are not available 
from the companys records. 
 Photographs to verify ineligible risks. 
 For Cancellation Reason Code 22 
only (standard policy eligible for PRP): 
A Letter of Map Amendment (LOMA); 
a Letter of Map Revision (LOMR); a 
copy of the most recent flood map 
marked to show the exact location 
and flood zone of the building; a letter 
indicating the exact location and flood 
zone of the building, and signed and 
dated by a local community official; an 
Elevation Certificate indicating the 
exact location and flood zone of the 
building, and signed and dated by a 
surveyor, engineer, architect, or local 
community official; or a flood zone 
determination certification that guarantees the accuracy of the 
information. 

b. Mail the appropriate documentation to the 
NFIP Bureau and Statistical Agent, 
Underwriting Department, P.O. Box 310, 
Lanham, MD 20703. 
3. WYO Companies will be notified of the 
premium refunded and the Expense 
Allowance due to the NFIP. The companies 
must maintain this documentation as part of 
their underwriting files. 
4. The insured must have a current NFIP policy 
to be eligible for a refund of any prior years 
premium. All existing refund rules concerning 
the Federal Policy Fee and producer 
commission remain in effect. 
TRRP reason codes in this section are used for 
reporting purposes only. 

B. Valid Reason Codes for Cancellation/ 
Nullification of NFIP Policies 
1. Building Sold or Removed. (TRRP 
reason 01) 
The insured has sold or transferred 
ownership of the insured property and no 
longer has an insurable interest; the builder 
or developer has requested to cancel the 
policy mid-term because a newly created 
association has purchased a policy under 
its name; or the insured property has been 
removed from the described location. This 
reason code also may be used if the 
building has been foreclosed or if the 
building is considered a total loss because 
the building damage is greater than or 
equal to the replacement cost of the 
building. The effective date of the 
cancellation is the date the insured ceased 
to have an insurable interest in the 
property. For buildings sold, proof-of-sale 
documentation is required. 
y Type of Refund: Pro Rata 
y Years Eligible for Refund: Up to 2 years 
y Cancellation Request: Must be received 
within 1 year of date of sale or removal 
if the policy has expired 

y Documentation: Bill of sale, settlement 
statement, foreclosure notice, proof of 
removal, proof of total loss, or court 
documentation to identify the refund 
recipient if the building is foreclosed 

CN 1 October 1, 2008 


2. Contents Sold or Removed. (TRRP 
reason 02) 
The insured has sold or transferred 
ownership of the insured property and no 
longer has an insurable interest, or the 
insured property has been completely 
removed from the described location. The 
effective date of the cancellation is the date 
the insured ceased to have an insurable 
interest in the property at the described 
location, or the date the property was 
removed from the described location. 

y Type of Refund: Pro Rata 

y Years Eligible for Refund: Up to 2 years 

y Cancellation Request: Must be received 
within 1 year of date of sale or removal 

y Documentation: Bill of sale, proof of 
contents removal, or proof of total loss 

3. Policy Canceled and Rewritten To 
Establish a Common Expiration Date 
with Other Insurance Coverage. (TRRP 
reason 03) 
The new policy must be rewritten within the 
same company for the same or higher 
amounts of coverage. However, if it is 
rewritten for higher amounts of coverage, 
the waiting period rule will apply. The 
producer must submit a new Application 
and premium. Upon receipt of the new 
policy declarations page, the producer 
should request cancellation of the prior 
policy. The effective date of the cancellation 
will be the same as the effective date of the 
new policy. 

y Type of Refund: Pro Rata 

y Years Eligible for Refund: Current year 

y Cancellation Request: Must be received 
within 1 year of the new policy effective 
date 

y Documentation: Copy of new policy 
declarations page 

4. Duplicate NFIP Policies. (TRRP reason 04) 
When a duplicate NFIP policy has been 
issued, only one policy can remain in effect. 
The insured can choose which policy is to 
remain in effect and which policy is to be 
canceled. This does not apply when there 

has been a deliberate creation of duplicate 
policies. If this event does occur, the policy 
with the later effective date must be 
canceled. Losses occurring under such 
circumstances will be adjusted according to 
the terms and conditions of the first policy. 

When coverage has been force-placed by 
a lender using a conventionally written 
standard policy because the required 
underwriting information is available, that 
policy is considered equivalent to the 
MPPP policy. The WYO Company is 
authorized to cancel the standard (forceplaced) policy, provided that a copy of the 
force-placement letter from the mortgagee 
and a copy of the policy declarations page 
are submitted with the Cancellation/ 
Nullification Request Form. The WYO 
Company is authorized to cancel the MPPP 
policy if a copy of the policy declarations 
page is submitted with the Cancellation/ 
Nullification Request Form. 

y Type of Refund: Pro Rata 

y Years Eligible for Refund: Up to 6 years 

y Cancellation Request: Must be received 
within 1 year of the policy expiration 
date 

y Documentation: Copy of declaration 
page(s) and, for the standard force-
placed policy, a copy of the force-
placement letter from the mortgagee 

5. Non-Payment. (TRRP reason 05) 
When a producer accepts a premium 
payment from a client and then submits an 
agency check to the NFIP with the 
application, the policy may be nullified if the 
client's check is returned because of 
insufficient funds or any other reason the 
check is not made good to the producer. 
The bank's notice must be attached to the 
form when this situation occurs. If the 
producer can document this, a full premium 
refund is provided to the producer. If a 
WYO company has covered the premium 
for a prospective insured and then does not 
receive payment, the policy can be nullified. 

This reason cannot be used if the producer 
advanced agency funds and the client 
simply refused to pay the agency. 

y Type of Refund: Full 

CN 2 May 1, 2008 


y Years Eligible for Refund: Current year 

y Cancellation Request: Must be received 
during the policy year 

y Documentation: Bank notice of nonpayment 

6. Risk Not Eligible for Coverage. (TRRP 
reason 06) 
This reason is used to nullify a policy when 
an application was submitted and a policy 
issued on a property not eligible for 
coverage. A clear and precise explanation 
must be included when submitting this type 
of cancellation request. Examples include: 

-Property not located in a community 
participating in the NFIP. (The use of an 
incorrect community number allowed the 
policy to be issued.) 
-Contents located in an open building. 
-Property is located in a Coastal Barrier 
Resources System (CBRS) area. 
y Type of Refund: Full 

y Years Eligible for Refund: No limit, back 
to policy inception 

y Cancellation Request: Must be received 
within 1 year of the policy expiration date 

y Documentation: Tax records, Section 
1316 declaration, or CBRA determination, as appropriate, or photographs 
showing ineligibility 

7. Property Closing Did Not Occur. (TRRP 
reason 08) 
This reason is used to nullify a policy when 
a policy is issued for a closing at the time of 
settlement on a property and the transfer of 
the property does not take place. The client 
does not actually acquire an insurable 
interest in the property. 

y Type of Refund: Full 

y Years Eligible for Refund: Current year 

y Cancellation Request: Must be received 
during the policy year 

y Documentation: Statement from title 
company, lender, or attorney 

representing the interests of title 
company, lender, or insured, that the 
property closing did not occur 

8. Policy Not Required by Mortgagee. 
(TRRP reason 50) 

This provides a means to cancel a policy 
when coverage was required by the 
mortgagee for a closing and it was later 
determined that the property was not 
located in a Special Flood Hazard Area 
(SFHA). As a result, coverage was not 
required by the mortgagee. The 
mortgagees statement to this effect must 
be attached to the Cancellation/Nullification 
Request Form. 

This cancellation reason can be used only if 
the cancellation request was made during 
the initial policy term. The cancellation 
effective date is the date the cancellation 
request is received by the writing company. 
A revised determination from the lender 
may be used to cancel the policy. A FEMA 
Out-As-Shown Determination, as a result of 
a LOMA application, is needed if there is a 
discrepancy between the lenders and the 
insureds determinations. 

NOTE: This cancellation reason may be 
used even if the policy was written as being 
in a non-SFHA. 

y Type of Refund: Pro Rata 

y Years Eligible for Refund: Current year 

y Cancellation Request: Must be received 
during the policy year 

y Documentation: Copy of original 
mandatory purchase document and 
current mortgagee statement that policy 
is not required; a revised determination 
from the lender showing that the 
building is not in an SFHA. 

9. Insurance No Longer Required by 
Mortgagee Because Property Is No 
Longer Located in a Special Flood 
Hazard Area Because of a Physical Map 
Revision. (TRRP reason 09) 
Flood insurance was initially required by the 
mortgagee or other lender because the 
property was determined to be in an SFHA. 
Following the physical revision of a map, if 
the property is no longer located in an 
SFHA, then the policy may be canceled 

CN 3 May 1, 2008 


provided the mortgagee confirms in writing 
that the insurance is no longer required 
because the property was removed from 
the SFHA. 

NOTE: RCBAP policies require a release 
from the mortgagee of every unit owner in 
the association or a statement of the unit 
owner, if no mortgagee. Only after this 
requirement is met can the policy be 
canceled. The condominium association 
must provide a signed letter that lists the 
number of units and specifies the owner of 
each unit. 

y Type of Refund: Full 
y Years Eligible for Refund: Current year 
and for an additional policy year in 
those cases where the insured had 
been required to renew the policy 
during the 6 months before or after the 
effective date of the revised map, 
provided no claim has been paid or is 
pending during the policy year that is 
being canceled 
y Cancellation Request: Must be received 
during the policy year or within 6 
months of the policy expiration date 
y Documentation: Statement from mortgagee that insurance was required as 
part of mortgage but is no longer 

required, and a copy of the revised map 

10. Condominium Policy (Unit or 
Association) Converting to RCBAP. 
(TRRP reason 45) 

This provides a means to cancel a 
condominium policy because coverage is 
being provided under an RCBAP. Duplicate 
coverage occurs when the unit owner policy 
and the RCBAP limits are more than the 
cost of the unit, up to the maximum limits of 
the Program. 

y Type of Refund: A pro rata premium 
refund, including Federal Policy Fee 
and Probation Surcharge, is provided. 

y Years Eligible for Refund: Up to 6 years 

y Cancellation Request: Must be received 
within 1 year of the policy expiration 
date 

.. Documentation: Copy of RCBAP and 
value of unit 

12. Mortgage Paid Off. (TRRP reason 52) 
This reason is used to cancel a policy that 
was obtained due to a requirement by a 
mortgagee or lender as a condition of a 
mortgage loan, and that mortgage loan has 
now been paid off, provided no claim has 
been paid or is pending. 

y Type of Refund: Pro Rata 
y Years Eligible for Refund: Current year 
y Cancellation Request: Must be received 
within 6 months of the date the 
mortgage was paid off for the 
cancellation to be effective on the date 
of payoff. When the request is received 
after 6 months, the effective date for 
cancellation is the receipt date of the 
request. 
y Documentation: Statement from mortgagee that mortgage has been paid off 
and that flood insurance was required 

as part of mortgage 

13. Voidance Prior to Effective Date. (TRRP 
reason 60) 
This reason is used when coverage is not 
mandatory and a policyholder decides 
during the 30-day waiting period, or prior to 
the effective date of a renewal, not to take 
the policy, after submitting a premium 
payment. 

y Type of Refund: Full 

y Years Eligible for Refund: Current year 

y Cancellation Request: Must be received 
prior to the policy effective date 

y Documentation: Policyholders request 

14. Voidance Due to Credit Card Error. 
(TRRP reason 70) 
This reason is used when an error or billing 

dispute occurs (processing error or fraud) 
on a credit card payment. 
y Type of Refund: Full 
y Years Eligible for Refund: Current year 
y Cancellation Request: Must be received 

during the policy year 
y Documentation: Credit card notice of 
non-payment 

 CN 4 October 1, 2008 


15. Insurance No Longer Required Based on 
FEMA Review of Lender's Special Flood 
Hazard Area Determination. (TRRP 
reason 16) 
Flood insurance was initially required by the 
mortgagee or other lender because the 
property was determined to be in a Special 
Flood Hazard Area (SFHA). Following a 
review under the Flood Disaster Protection 
Act of 1973, as amended, FEMA issued a 
Letter of Determination Review (LODR) 
because the building or manufactured 
home is not in an SFHA and insurance is 
not required. The policy may be canceled 
back to inception. 

This cancellation reason can be used only if 
the request from the borrower and lender 
was sent to FEMA for a LODR within 45 
days from the lenders notification to the 
borrower that the building is in an SFHA 
and that flood insurance is required. 

y Type of Refund: Full 
y Years Eligible for Refund: Current year 
provided no claim has been paid or is 
pending 
y Cancellation Request: Must be received 
during the policy year or within 6 
months of the policy expiration date 
y Documentation: Copy of FEMAs Letter 
of Determination Review, and 
statement from the lender that flood 
insurance is not required 

16. Duplicate Policies from Sources Other 
Than the NFIP. (TRRP reason 17) 
This reason code is used to cancel an NFIP 
policy when a duplicate policy has been 
obtained from sources other than the NFIP. 

y Type of Refund: Pro Rata 

y Years Eligible for Refund: Current year 

y Cancellation Request: Must be received 
within 6 months of the new policy 
effective date. When the request is 
received after 6 months, the effective 
date for cancellation is the receipt date 
of the request. 

y Documentation: Copy of declarations 
page of the new policy and a statement 

from the mortgagee, if any, accepting 
the non-NFIP policy as the replacement 

18. Mortgage Paid Off on a Mortgage 
Portfolio Protection Program (MPPP) 
Policy. (TRRP reason 52) 
This reason code is used to cancel an 
MPPP Policy after the mortgage is paid off, 
provided no claim has been paid or is 
pending. 

y Type of Refund: Pro Rata 

y Years eligible for refund: Current year 

 Cancellation Request: Must be received 
within 6 months of the date the 
mortgage was paid off for the 
cancellation to be effective on the date 
of payoff. When the request is received 
after 6 months, the effective date for 
cancellation is the receipt date of the 
request. 
y Documentation: Statement from mortgagee that mortgage has been paid off 
and that flood insurance was required 
as part of mortgage 

19. Insurance No Longer Required by the 
Mortgagee Because the Structure Has 
Been Removed from the Special Flood 
Hazard Area (SFHA) by Means of Letter 
of Map Amendment (LOMA) or Letter of 
Map Revision (LOMR). (TRRP reason 20) 
Where flood insurance was required by the 
mortgagee or other lender because the 
property was determined to be in an SFHA, 
and it is later determined that the property is 
no longer located in an SFHA through the 
issuance of a LOMA or LOMR, the policy 
can be canceled provided the lender 
confirms in writing that the insurance is no 
longer required because the property was 
removed from the SFHA. A copy of the 
LOMA or LOMR must accompany this 
request. 

NOTE: RCBAP policies require a release 
from the mortgagee of every unit owner in 
the association or a statement of the unit 
owner, if no mortgagee. Only after this 
requirement is met can the policy be 
canceled. The condominium association 
must provide a signed letter that lists the 
number of units and the owner of each unit. 

 Type of Refund: Full 
CN 5 May 1, 2008 


 Years Eligible for Refund: Current year 
and, if applicable, 1 prior year provided 
the LOMA became effective 60 days 
before the current policys effective date 
and no claim has been paid or is 
pending during the policy year that is 
being canceled 
 Cancellation Request: Must be received 
during the policy year or within 6 months 
of the policy expiration date 
y Documentation: Statement from mortgagee that flood insurance is no longer 
required because the property was 
removed from the SFHA, and a copy of 
the LOMA/LOMR; OR, in the case of 
multi-property LOMAs or LOMRs that 
do not list the propertys specific 
building, street address, lot number, or 
rural address, any of the following and a 
copy of the LOMA/LOMR: 

- A letter that an insured received from 
their community official stating that 
their structure was removed from the 
SFHA by a multi-property LOMR or 
LOMA. 
- A letter from the applicable 
community official, on official 
letterhead, stating that the building 
was included in the area removed 
from the SFHA by the multi-property 
LOMR or LOMA, which listed only 
boundaries/intersections of streets, 
lot numbers, or rural addresses. 
-In cases, and only in cases, where (1) 
a community official could not or 
would not provide a letter, or (2) the 
structure has a rural address, the 
following set of two documents may 
be submitted: 

 A copy of a legal notice, such as 
a real estate assessment notice 
or a water/sewer notice, that 
shows the lot number, street or 
rural address, or other legal 
designation of the location of the 
structure, and 

.. A letter from the mortgage 
lender that (1) shows the lot 
number, street or rural address, 
or other legal designation of the 
location of the structure, and 
that (2) states that the structure 
was within the boundaries of the 
area removed from the SFHA by 
the LOMR or LOMA. 

Letters from community officials must 
match the street address and lot number 
with a specific multi-property LOMR or 
LOMA, stating that the individual building 
street address, lot number, or rural 
address (e.g., RR, Box #, Hwy) was 
included in the area covered by the 
LOMR or LOMA. 

The NFIP Servicing Agent and the WYO 
Companies may accept zone 
determinations in lieu of the 
documentation cited above for these 
situations. 

20. Policy Was Written to the Wrong Facility 
(Severe Repetitive Loss Property). 
(TRRP reason 21) 

This reason is used to cancel a policy flat 
when coverage was inadvertently written to 
the wrong facility on those structures that 
were identified as part of the Severe 
Repetitive Loss Properties. The 
cancellation effective date must be the 
same as the policy effective date. 

y Type of Refund: Full 
y Years Eligible for Refund: Current year 
y Cancellation Request: Must be received 
during the policy year 
y Documentation: Report provided by the 
NFIP Bureau and Statistical Agent 
identifying the building as a Severe 

Repetitive Loss Property 

21. Other: Continuous Lake Flooding or 
Closed Basin Lakes. (TRRP reason 10) 
This cancellation code is used for 
continuous lake flooding or closed basin 
lakes. The cancellation can be for only one 
term of a policy. The cancellation effective 
date must be after the date of loss. 

y Type of Refund: No refund allowed 

y Years Eligible for Refund: N/A 

y Cancellation Request: N/A 

y Documentation: FEMA notification 

CN 6 October 1, 2008 


22. Cancel/Rewrite Due to Misrating. (TRRP 
reason 22) 
This reason code is used when ineligible 
PRPs or MPPP policies are canceled and 
rewritten within the same company and 
when changes are made due to system 
constraints. The code should also be used 
to cancel a standard policy that is eligible 
for a PRP. Refunds resulting from the 
cancellation must be applied to the 
rewritten policy prior to any refund being 
generated. Use New/Rollover Indicator Z 
to report the new policy. 

y Type of Refund: Full 
y Years Eligible for Refund: Up to 6 years 
y Cancellation Request: N/A 
y Documentation: LOMA, LOMR, zone 
determination, copy of map, etc. 

23. Fraud. (TRRP reason 23) 
This reason code is used when fraud has 
been determined by FEMA. No premium 
refund is allowed with this reason code. The 
agent will retain the full commission, and 
the companys expense allowance will not 
be reduced. 

y Type of Refund: No refund allowed 

y Years Eligible for Refund: N/A 

y Cancellation Request: N/A 

y Documentation: FEMA notification 

24. Cancel/Rewrite Due to Map Revision, 
LOMA, or LOMR. (TRRP reason 24) 
This reason code is used to cancel and 
rewrite a standard flood insurance policy to 
a PRP within the same company as the 
result of a map revision, LOMA, or LOMR. 
The standard policy will be canceled and 
rewritten as a PRP as of inception. Use 
New/Rollover Indicator Z to report the new 
policy. Premium from the canceled policy 
will be applied to the PRP with the 
difference refunded to the policyholder. No 
30-day waiting period will apply to the PRP. 
The agent will retain the full commission, 
and the companys expense allowance 
will not be reduced. This rule applies to 
the current policy year and one prior year 
provided that the effective date of the map 

revision or LOMA/LOMR occurred during 
the prior year. 

y Type of Refund: Full 

y Years Eligible for Refund: 2 

y Cancellation Request: Must be received 
during the policy year or within 6 
months of the policy expiration date 

y Documentation: Copy of revised map, 
LOMA, or LOMR. 

II. COMPLETING THE CANCELLATION/ 
NULLIFICATION REQUEST FORM 
A. Current Policy Number 
In the upper right corner of the form, enter the 
NFIP policy number. 

B. Policy Term 
Enter the policy term and the cancellation 
effective date. 

C. Agent Information 
Enter the complete name, mailing address, 
phone number, and fax number of the producer. 

D. Insured Mail Address 
Enter the complete name, mailing address, and 
phone number of the insured. If the insured has 
moved to a new location, enter the new mailing 
address. 

E. First Mortgagee 
Enter the complete name, mailing address, 
phone number, and fax number of the first 
mortgagee. 

F. Other Parties Notified 
Enter the complete name and mailing address of 
all other interested parties who are to be notified, 
such as any additional insured, the second 
mortgagee, the loss payee, trustee, or disaster 
assistance agency. 

G. Property Location 
Enter the location of the insured property. 

CN 7 May 1, 2008 


H. Cancellation Reason Code 
Check the reason for cancellation of the policy 
and provide any additional information required. 

I. Refund 
Check the appropriate box to indicate to whom 
the refund is to be made payable. 

When a Cancellation/Nullification Request Form 
is received that directs the NFIP to make a 
premium refund to the PAYOR and the policy 
has been endorsed showing the PAYOR as a 
WYO Company or agency, the NFIP will make 
the refund payable to the insured and mail the 
refund in care of the producer. Check the 
appropriate box to indicate to whom the refund 
should be mailed. 

J. Signature 
The insured must sign and date the 
Cancellation/Nullification Request Form for all 
cancellation reason codes except 5, 6, and 22. 
The producer must sign, date, and enter a Tax 

I.D. Number in every case. 
Electronic transactions are permitted if the 
business process includes authentication of 
signatures and dates of receipt of premium. 
WYO companies are responsible for determining 
the business practices and transaction 
authentication methods they will use to ensure 
the security and integrity of such transactions. 

After completing the form, attach all required 
supporting documents and mail the original to 
the NFIP. The producer should retain the second 
copy, give the third copy to the insured, and the 
fourth copy to the mortgagee. 

After processing the Cancellation/Nullification 
Request Form, the NFIP will send the producer, 
mortgagee, and insured a notice of cancellation. 

CN 8 October 1, 2008 


Processing Outcomes for Cancellation/Nullification 
of a Flood Insurance Policy 

CN 9 May 1, 2008 

Reason Code for 
Cancellation/ 
Nullification 
(with TRRP Code) 
PREMIUM REFUND FEDERAL POLICY FEE 
AND PROBATION SURCHARGE 
PRODUCER COMMISSION 
(Direct Business Only) 
Full Pro Rata Full Refund Pro Rata Fully 
Earned 
Full 
Deduction 
Pro Rata Retained 
1 
(01) 9 9 .. 
2 
(02) 9 9 .. 
3 
(03) 9 9 .. 
4 
(04) 9 9 .. 
5 
(05) 9 9 .. 
6 
(06) 9 9 .. 
7 
(08) 9 9 .. 
8 
(50) 9 9 .. 
9 
(09) 9 9 .. 
10 (45) 9 9 .. 
12 (52) 9 9 .. 
13 (60) 9 9 .. 
14 (70) 9 9 .. 
15 (16) 9 9 .. 
16 (17) 9 9 .. 
18 (52) 9 9 .. 
19 (20) 9 9 .. 
20 (21) 9 9 .. 
21 (10) NO REFUND ALLOWED 9 .. 
22 (22) 9 9 .. 
23 (23) NO REFUND ALLOWED 9 .. 
24 (24) 9 9 ..


CN 10 May 1, 2008 


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CLAIMS 

I. INSURED'S RESPONSIBILITIES 
A. Filing a Claim 
In the event of loss, the insured is required to: 

 Give written notice of loss to the National 
Flood Insurance Program (NFIP) or the 
applicable WYO Company, as soon as 
practicable, using the NFIP Notice of Loss 
form or similar form; 
 Exhibit all remains of the property, as 
required; 
 If requested, submit to an examination under 
oath, as required; 
 Provide evidence and documentation to 
substantiate the loss, as required; and 
 File a Proof of Loss within 60 days of the 
loss, unless this requirement is waived by 
the Federal Emergency Management 
Agency (FEMA). 
The NFIP has a standard Proof of Loss form 
which the adjuster assigned to the loss may 
provide and assist the insured in completing. 
However, independent adjusters do not have the 
authority either to approve or to deny claims. 
Adjusters' recommendations for payment or 
denial are not binding on the NFIP or the WYO 
Company and are subject to approval and 
correction by the NFIP or the WYO Company 
staff. 

The Proof of Loss form may be waived on claims 
for less than $7,500. In this case, the insured will 
be required to sign the NFIP Final Report form, 
which summarizes the loss and claim figures. 

B. Appealing a Claim 
Any insured who is dissatisfied with a claim 
settlement offered by the NFIP or the WYO 
Company should follow the procedures below, 
excerpted from the NFIP Flood Insurance Claims 
Handbook. 

Addressing Questions About Your Insurance 
Claim 

The NFIP provides you with a process to appeal 
decisions regarding your flood insurance claim. 
This process will help you resolve claim issues, 
but it cannot give you added coverage or claim 
limits beyond those in your NFIP policy. 

In filing and completing your insurance claim, 
you may have questions, or need further 
explanations of decisions that have been made, 
especially with regard to coverage, dollar 
amount of damages, or your Proof of Loss. 

FOUR STEPS TO APPEALING YOUR CLAIM 

Step 1 

Talk with your adjuster, who has more 
knowledge about your claim than anyone. If you 
dont understand certain decisions regarding, for 
example, application of coverage, timing of the 
filing of Proof of Loss, or the damage estimate, 
contact your adjuster first. 

Step 2 

If you are not satisfied with the adjusters 
answers, or do not agree with decisions, get 
contact information for the adjusters supervisor. 

Step 3 

If the adjusters supervisor cant resolve your 
issues, contact the insurance companys claim 
representative. Ask your insurance agent or your 
insurance company representative for 
assistance. Please refer to your flood policy for 
more information on appeals. See Paragraph R 
of the General Conditions Section. 

Step 4 

If you still have questions or concerns after 
following steps one through three, contact the 
Federal Emergency Management Agency 
(FEMA). 

Write to: 

Federal Emergency Management Agency 
Federal Insurance Administrator 
Mitigation DivisionRisk Insurance Branch 
500 C Street, S.W. 
Washington, DC 20472 

This letter should be written by the Named 
Insured (as it appears on your NFIP policy) or by 
a legal representative, if necessary. The 
representative should clearly identify his/her 
relationship to the Named Insured. (For 
example, a son or daughter could be handling a 
claim for an elderly parent.) 

CL 1 May 1, 2008 


A legal representative may be asked to provide 
authorization from the Named Insured or other 
legal documents verifying the relationship. 

Your letter of appeal must be submitted to 
FEMA within 60 days from the date of the denial 
letter that you receive from your flood insurer. 

WHAT TO INCLUDE IN YOUR LETTER 

The following six items should be in your letter to 
FEMA in order to address your questions. (If for 
some reason, your policy is not available, your 
insurance agent can provide details for the first 
three items.) 

1. The Policy Number, as shown on your NFIP 
policys Declarations Page. 
2. The policyholders name, as shown as the 
Named Insured on the Declarations Page. 
3. The property address, as shown on the 
Declarations Page. (Not your mailing 
address, if it is different from the property 
address.) 
4. How you can be contacted, if you are out of 
your home. 
5. The details of your concern. (Please be as 
complete as possible.) 
6. The dates of contact and contact details for 
the persons with whom you have spoken in 
steps one through three on the previous 
page. 
WHAT TO INCLUDE WITH YOUR LETTER 

Enclose documentation of everything that 
supports your appeal. 

 Provide a copy of the insurers written 
denial, in whole or in part, of the claim; 
 Identify relevant policy and claim information 
and state the basis for the appeal; and 
 Submit relevant documentation to support 
the appeal, but only documentation that 
directly pertains to your claim. 
The following are examples of the kinds of 
documentation that FEMA will require: 

 A copy of the Proof of Loss submitted to the 
insurer, as required in the policy 
 Room-by-room itemized estimates from the 
adjuster (include contractors estimates), 
detailing unit costs and quantities for the 
items needing repair or replacement 
 Replacement cost Proofs of Loss 
 Adjusters Preliminary Report 
 Adjusters Final Report 
 Detailed damaged personal property 
inventories that include the approximate 
ages of the items 
 Completed Mobile Home Worksheet 
 Mobile home title, including salvage title 
 Real estate appraisals that exclude land 
values 
 Advance payment information 
 Clear photographs (exterior and interior) 
confirming damage that resulted from direct 
physical loss by or from flood 
 Proof that prior flood damage has been 
repaired 
 Evidence of insurance and policy 
information, i.e., Declarations Page 
 Elevation Certificate, if the building is 
elevated 
 The communitys determination concerning 
substantial damage 
 Information regarding substantial improvement 
 Zone determinations 
 Pre-loss and post-loss inventories 
 Financial statements 
 Tax records, lease agreements, sales 
contracts, settlement papers, deed, etc. 
 Emergency (911) address change 
information 
 Salvage information (proceeds and sales) 
 Condominium association by-laws 
 Proof of other insurance, including 
homeowners or wind policies, and any claim 
information submitted to the other 
companies 
 Waiver, Letter of Map Revision (LOMR), or 
Letter of Map Amendment (LOMA) 
information 
 Paid receipts and invoices including 
cancelled checks that support an insureds 
out-of-pocket expenses pertaining to the 
claim 
 Underwriting decisions 
 Architectural plans and drawings 
 Death certificates 
 Last Will and Testament 
 Divorce decree 
 Power of attorney 
 Current lienholder information 
 Current loss payee information 
 Paid receipts and invoices documenting 
damaged stock 
 Detailed engineering reports specifically 
addressing flood-related damage and preexisting damage 
 Engineering surveys 
 Market values 
 Documentation of Flood Insurance Rate 
Map (FIRM) dates 
CL 2 May 1, 2008 


 Documentation reflecting date(s) of 
construction and substantial improvement 
 Loan documents including closings 
 Evidence of insurability as a Residential 
Condominium Association 
 Franchise agreements 
 Letters of representation, i.e., attorneys and 
public adjusters 
 Any assignment of interest in a claim 
 And, any other pertinent information that 
FEMA may request in processing a claim. 
A re-inspection of your property may be 
conducted at the discretion of FEMA to gather 
more information. 

A request by FEMA for additional information will 
include the date by which the information must 
be provided, which shall in no case be less than 
14 calendar days. Failure to provide the 
requested information in full within 14 calendar 
days may result in dismissal of your appeal. 
FEMA will ensure that all information necessary 
to rule on the appeal has been provided prior to 
making an appeal decision. 

LIMITATIONS ON APPEALS 

The appeals process is intended to resolve 
claim issues and is not intended to grant 
coverage or limits that are not provided by the 
Standard Flood Insurance Policy (SFIP). Filing 
an appeal does not waive any of the 
requirements for perfecting a claim under the 
SFIP or extend any of the time limitations set 
forth in the SFIP. 

1. Disputes that are or have been subject to 
appraisal as provided for in the SFIP cannot 
be appealed. 
2. If you file an appeal on any issue, that issue 
is no longer subject to resolution by 
appraisal or other pre-litigation remedies. 
3. If you file suit against an insurer on the flood 
insurance claim issue, you are prohibited 
from filing an appeal. All appeals submitted 
for decision but not resolved shall be 
terminated upon notice of the 
commencement of litigation regarding the 
claim. 
APPEALS RESOLUTION 

FEMA will review the appeal documents, 
including any reinspection report, if appropriate. 
FEMA will provide specific information on what 
grounds the claim was initially denied. 

FEMA will provide an appeal decision in writing 
to the policyholder and insurer within 90 days 
from the date that all information has been 
submitted by the policyholder and will include 
specific information for the resolution of the 
appeal. No further administrative review will be 
provided to the insured. 

If you do not agree with the final decision, 
please refer to your flood insurance policy. See 
the GENERAL CONDITIONS Section, 
Paragraph R. Suit Against Us. The 1-year 
period to file suit commences with the written 
denial from the insurer and is not extended by 
the appeals process. 

II. PRODUCER'S RESPONSIBILITIES 
Producers may assign any NFIP Direct claim to 
an NFIP-approved independent adjuster except: 

 When, in major flooding disasters, the Flood 
Insurance Claims Office (FICO) makes all 
assignments. 
 When an Adjuster Control Office is 
established. 
 When a Claims Coordinating Office (CCO) is 
established. 
Failure to indicate the assigned adjuster on the 
loss notice, or assignment of an adjuster who is 
not authorized by the NFIP, will delay the 
adjustment process and may result in duplicate 
adjuster assignments. 

When it appears that a situation is serious 
enough that a FICO may be necessary, the NFIP 
will notify producers and producer trade 
associations in the affected area (using the 
broadcast media and press releases) as soon as 
possible to hold their loss notices unassigned 
until further instructions are received. 

In the case of a WYO Company claim, the WYO 
Company's producer will follow the established 
procedures when assigning an adjuster. 

III. SINGLE ADJUSTER PROGRAM 
IMPLEMENTATION 
A. Schedule and Notification 
FEMA and various Coastal Plans will determine 
whether a catastrophe event will necessitate a 
Single Adjuster Program (SAP) response. The 
National Weather Service declaration of a tropical 

CL 3 May 1, 2008 


storm or hurricane event will begin the watch for 
possible single adjuster response. When the 
storm is 48 hours from landfall, this will initiate 
FEMAs approval of the SAP response. 

During that time, the NFIP Bureau and Statistical 
Agents General Adjusters will be deployed to 
strategic areas close to where the storm is 
predicted to strike. At landfall, they will be able to 
immediately assess the damage impact from the 
storm. No later than 24 hours after landfall, the 
WYO Companies will be advised by telephone, 
fax, or e-mail through their designated Single 
Adjuster Liaison, as to the areas and state(s) that 
will be activated. At that point, the WYO 
Companies will be asked to immediately notify 
their agents of the SAP procedures in reporting 
the claims. 

The NFIP Bureau and Statistical Agent will notify 
the WYO Companies by telephone, fax, or e-mail 
to have their agency staff submit all flood losses 
that are reasonably believed to involve wind and 
flood damage to the State Coastal Plans (i.e., 
Windpool, Fairplan, Beachplan). 

The NFIP will notify all SAP Liaisons of the 
Claims Coordinating Offices (CCO) location, 
telephone number, fax number, and address, if 
the CCO does not co-locate with the State 
Coastal Plans. 

When the CCO is operational, the WYO 
companies will be notified of all assigned claims. 
Notice of losses reflecting the assigned adjusting 
firms will be faxed each day. Once the 
assignment is made and communicated to each 
company, the WYO Company will manage its 
own loss adjustment. However, the Catastrophe 
CCO will ensure that the adjuster receives a copy 
of the loss assignments, the name of the WYO 
Company, and the SAP Liaison telephone 
number. 

B. Training 
The NFIP Bureau and Statistical Agent Claims 
Coordinator and FEMA will annually conduct 
coordination training sessions, both pre- and 
post-event, in conjunction with the State Coastal 
Plans, adjusters, state and local officials, and 
insurers to train all participants. These training 
sessions will include regional issues, the State 
Coastal Plans' procedures, confirmation of 
coverages for SAP losses, closed without 
payment (CWOP) procedures, adjuster 
resources, and duplicate assignments, etc. 

The NFIP Bureau and Statistical Agent will 
continue to provide training for specific problems 

and situations that may arise during a 
catastrophe event. FEMA suggests that within the 
first 48 hours, or whenever applicable, an 
adjuster briefing should be conducted for all SAP 
adjusters and adjusting firms to ensure that they 
understand program procedures. 

Guidelines contained in the NFIP Adjuster Claims 
Manual provide details to address particular 
claims issues. The manual can be accessed at 

http://www.fema.gov/business/nfip/claimsadj.shtm 

under Information for Claims Adjusters. 

C. Producer Responsibilities 
1. When directed by FEMA, the producer will 
have no authority to assign any losses 
involving a flood policy when there is a 
reasonable belief that there is flood and 
wind damage, and will report the losses on 
the combined Wind/Flood loss notice to the 
Stationary CCO, with wind coverage 
information. 
2. NFIP/WYO insurers insuring both the flood 
and the wind loss should not report the 
combined loss to the CCO, but will assign 
their own single adjuster. 
3. The producers will report their flood losses 
via fax to the established CCO, along with 
wind coverage information in every 
instance except those mentioned above. In 
all cases the producer should send a copy 
of the loss notice to the insurer. 
4. All separate wind losses insured by a WYO 
company where a flood policy exists will be 
reported to the CCO for assignment to 
qualified adjusting firms at the CCO. 
5. Upon loss assignment, the insurer will be 
advised of the assigned adjusting firm by 
modem transfer, fax, or mail. 
6. These procedures relate to assignment of 
claims only. Insurers may perform other 
procedures in accordance with their 
standard business practices. 
IV. INCREASED COST OF COMPLIANCE 
(ICC) CLAIMS 
The NFIP policy will pay a qualified policyholder 
up to $30,000 of Increased Cost of Compliance 
(ICC) benefits to bring a flood-damaged, insured 
building into compliance with state or local 
floodplain management laws or ordinances. To 
adequately advise clients at policy inception, 
and to assist them in the event of a claim, the 
producer should become familiar with ICC. 

CL 4 May 1, 2008 


He or she can do this by attending an NFIP 
Agent Workshop. Workshop details and links to 
other training opportunities are available online at 
http://www.fema.gov/business/nfip/trainagt.shtm. 

More information about ICC can be found in the 
POL section of this manual (see III.D., Coverage 
D  Increased Cost of Compliance, in any of the 
policy forms) and online in NFIP brochures 
F-300 and F-663 
(http://www.fema.gov/business/nfip/libfacts.shtm). 

CL 5 May 1, 2008 


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POLICY 

The Standard Flood Insurance Policy (SFIP), 
issued by the Federal Emergency Management 
Agency (FEMA), specifies the terms and 
conditions of the agreement of insurance 
between FEMA as the Insurer and the Named 
Insureds. Named Insureds in participating 
communities include owners, renters, builders of 
buildings that are in the course of construction, 
condominium associations, owners of residential 
condominium units, and mortgagees/trustees 
(applicable for building coverage only). Certain 
terms and conditions of flood insurance (e.g., 
Mortgage Clause, Reformation of Coverage) are 
unique to this policy. 

For information on Group Flood Insurance, see 
the Definitions section. 

There are three policy formsthe Dwelling Form, 
the General Property Form, and the Residential 
Condominium Building Association Policy Form. 
Selection of the applicable form to be used is 
dependent on the type of insurable property to 
be covered. 

Please refer to the SFIP contracts for detailed 
information on the contractual rights and duties 
of the Insurer and Insured(s). 

POL 1 May 1, 2008 


DWELLING FORM 
Summary of Significant Changes, December 31, 2000 


1. Section III. Property Covered, A. Coverage A -
Building Property, 2. 
Additions and extensions to buildings that are connected 
by a rigid exterior wall, a solid load-bearing interior wall, a 
stairway, an elevated walkway, or a roof may be insured 
as part of the dwelling. At the option of the insured, these 
extensions and additions may be insured separately. 
Additions and extensions that are 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 dwelling and cannot be insured 
separately. 

2. Section III. Property Covered, A. Coverage A 
Building Property, 3. 
Coverage for detached carports has been eliminated. 

3. Section III. Property Covered, B. Coverage B 
Personal Property 4. 
Coverage has been extended to include coverage for 
cooking stoves, ranges, or refrigerators belonging to the 
renter, as well as 10 percent of contents coverage for 
improvements made by the renter to the building. 

4. Section III. Property Covered, B. Coverage B 
Personal Property, 5. 
Coverage for condominium unit owners has been 
extended to apply up to 10 percent of the contents 
coverage for losses to interior walls, floors, and ceilings 
not covered by the condominium association's master 
policy. 

5. Section III. Property Covered, B. Coverage B 
Personal Property, 6. Special Limits 
Coverage for fine arts, collectibles, jewelry, and furs, etc. 
has been increased to $2500. Also, personal property 
used in a business has been added under this extension 
of coverage. 

6. Section III. Property Covered, C. Coverage C 
Other Coverages, 2.a. & b. 
Coverage for the two loss avoidance measures 
(sandbagging and relocation of property to protect it from 
flood or the imminent danger of flood) has been increased 
to $1,000 for each. 

7. Section IV. Property Not Covered, 5.a. & b. 
Coverage has been changed to pay for losses to self-
propelled vehicles used to service the described location 
or designed to assist handicapped persons provided that 
the vehicles are in a building at the described location. 

8. Section IV. Property Not Covered, 7. 
Coverage is now specifically excluded for scrip and stored 
value cards. 

9. Section IV. Property Not Covered, 14. 
Coverage for swimming pools, hot tubs and spas (that are 
not bathroom hot tubs or spas), and their equipment is 
now excluded. 

10. Section V. Exclusions, B.1. & 2 
The explanation of when coverage begins as it relates to a 
loss in progress has been simplified. 

11. Section V. Exclusions, C. 
Coverage has been clarified to pay for losses from land 
subsidence under certain circumstances. Subsidence of 
land along a lake shore or similar body of water which 
results from the erosion or undermining of the shoreline 
caused by waves or currents of water exceeding cyclical 
levels that result in a flood continues to be covered. All 
other land subsidence is now excluded. 

12. Section V. Exclusions, D.4.b.(3) 
Coverage is now excluded for water, moisture, mildew, or 
mold damage caused by the policyholder's failure to 
inspect and maintain the insured property after the flood 
waters recede. 

13. Section V. Exclusions, D.6. 
Coverage is now added for damage from the pressure of 
water against the insured structure with the requirement 
that there be a flood in the area and the flood is the 
proximate cause of damage from the pressure of water 
against the insured structure. 

14. Section V. Exclusions, F. 
An exclusion for the cost of testing for or monitoring of 
pollutants unless it is required by law or ordinance has 
been added. 

15. Section VII. General Conditions, G. Reduction and 
Reformation of Coverage, 2.a.(2) 
If it is discovered before a claim occurs that there is 
incomplete rating information, the policyholder has 60 
days to submit the missing rating information. Otherwise, 
the coverage is limited to the amount of coverage that can 
be purchased for the premium originally received and can 
only be increased by an endorsement that is subject to the 
appropriate waiting period (currently 30 days). 

16. Section VII. General Conditions, V. Loss 
Settlement, 3. Special Loss Settlement, b.(1) 
Coverage for a manufactured or mobile home or a travel 
trailer eligible for replacement cost coverage is limited to 

1.5 times its actual cash value. 
POL 2 May 1, 2008 


FEDERAL EMERGENCY MANAGEMENT AGENCY
NATIONAL FLOOD INSURANCE PROGRAM 


STANDARD FLOOD INSURANCE POLICY 


DWELLING FORM 

PLEASE READ THE POLICY CAREFULLY. THE FLOOD INSURANCE PROVIDED IS SUBJECT TO LIMITATIONS, 
RESTRICTIONS, AND EXCLUSIONS. 

THIS POLICY COVERS ONLY: 

1. A NON-CONDOMINIUM RESIDENTIAL BUILDING DESIGNED FOR PRINCIPAL USE AS A DWELLING PLACE FOR 
ONE TO FOUR FAMILIES, OR 
2. A SINGLE-FAMILY DWELLING UNIT IN A CONDOMINIUM BUILDING. 
I. AGREEMENT 
The Federal Emergency Management Agency (FEMA) 
provides flood insurance under the terms of the National 
Flood Insurance Act of 1968 and its amendments, and 
Title 44 of the Code of Federal Regulations (CFR). 

We will pay you for direct physical loss by or from flood 
to your insured property if you: 

1. Have paid the correct premium; 
2. Comply with all terms and conditions of this policy; 
and 
3. Have furnished accurate information and statements. 
We have the right to review the information you give us at 
any time and to revise your policy based on our review. 

II. DEFINITIONS 
A. In this policy, "you" and "your" refer to the insured(s) 
shown on the Declarations Page of this policy and 
your spouse, if a resident of the same household. 
"Insured(s)" includes: Any mortgagee and loss payee 
named in the Application and Declarations Page, 
as well as any other mortgagee or loss payee 
determined to exist at the time of loss in the order of 
precedence. "We," "us," and "our" refer to the insurer. 
Some definitions are complex because they are provided 
as they appear in the law or regulations, or result from 
court cases. The precise definitions are intended to protect 
you. 

Flood, as used in this flood insurance policy, means: 

1. A general and temporary condition of partial or 
complete inundation of two or more acres of normally 
dry land area or of two or more properties (at least 
one of which is your property) from: 
a. Overflow of inland or tidal waters; 
b. Unusual and rapid accumulation or runoff of 
surface waters from any source; 
c. Mudflow. 
2. 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 in A.1.a. above. 
B. The following are the other key definitions that we use 
in this policy: 
1. Act. The National Flood Insurance Act of 1968 and 
any amendments to it. 
2. Actual Cash Value. The cost to replace an insured 
item of property at the time of loss, less the value of 
its physical depreciation. 
3. Application. The statement made and signed by you 
or your agent in applying for this policy. The 
application gives information we use to determine 
the eligibility of the risk, the kind of policy to be 
issued, and the correct premium payment. The 
application is part of this flood insurance policy. For 
us to issue you a policy, the correct premium 
payment must accompany the application. 
4. Base Flood. A flood having a one percent chance of 
being equaled or exceeded in any given year. 
Page 1 of 19 

POL 3 May 1, 2008 


5. 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. 
6. Building. 
a. A structure with two or more outside rigid walls 
and a fully secured roof, that is affixed to a 
permanent site; 
b. A manufactured home (a "manufactured home," 
also known as a mobile home, is a structure: built 
on a permanent chassis, transported to its site in 
one or more sections, and affixed to a permanent 
foundation); or 
c. A travel trailer without wheels, built on a chassis 
and affixed to a permanent foundation, that is 
regulated under the community's floodplain 
management and building ordinances or laws. 
Building does not mean a gas or liquid storage tank 
or a recreational vehicle, park trailer, or other similar 
vehicle, except as described in B.6.c. above. 

7. Cancellation. The ending of the insurance coverage 
provided by this policy before the expiration date. 
8. Condominium. That form of ownership of real 
property in which each unit owner has an undivided 
interest in common elements. 
9. Condominium Association. The entity made up of 
the unit owners responsible for the maintenance and 
operation of: 
a. Common elements owned in undivided shares by 
unit owners; and 
b. Other real property in which the unit owners 
have use rights; 
where membership in the entity is a required condition 
of unit ownership. 

10. Declarations Page. A computer-generated summary 
of information you provided in the application for 
insurance. The Declarations Page also describes the 
term of the policy, limits of coverage, and displays 
the premium and our name. The Declarations Page 
is a part of this flood insurance policy. 
11. Described Location. The location where the insured 
building(s) or personal property are found. The 
described location is shown on the Declarations 
Page. 
12. 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. 
13. Dwelling. A building designed for use as a residence 
for no more than four families or a single-family unit 
in a building under a condominium form of 
ownership. 

14. 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. 
15. Emergency Program. The initial phase of a 
community's participation in the National Flood 
Insurance Program. During this phase, only limited 
amounts of insurance are available under the Act. 
16. Expense Constant. A flat charge you must pay on 
each new or renewal policy to defray the expenses of 
the Federal Government related to flood insurance. 
17. Federal Policy Fee. A flat charge you must pay on 
each new or renewal policy to defray certain 
administrative expenses incurred in carrying out the 
National Flood Insurance Program. This fee covers 
expenses not covered by the expense constant. 
18. Improvements. Fixtures, alterations, installations, or 
additions comprising a part of the insured dwelling or 
the apartment in which you reside. 
19. 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. 
20. National Flood Insurance Program (NFIP). The 
program of flood insurance coverage and floodplain 
management administered under the Act and 
applicable Federal regulations in Title 44 of the Code 
of Federal Regulations, Subchapter B. 
21. Policy. The entire written contract between you and 
us. It includes: 
a. This printed form; 
b. The application and Declarations Page; 
c. Any endorsement(s) that may be issued; and 
d. Any renewal certificate indicating that coverage 
has been instituted for a new policy and new 
policy term. 
Only one dwelling, which you specifically described 
in the application, may be insured under this policy. 

22. 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. 
Page 2 of 19 
POL 4 May 1, 2008 


23. 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. 
24. Probation Premium. A flat charge you 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. 
25. Regular Program. The final phase of a community's 
participation in the National Flood Insurance 
Program. In this phase, a Flood Insurance Rate Map 
is in effect and full limits of coverage are available 
under the Act. 
26. Special Flood Hazard Area. An area having special 
flood, or mudflow, and/or flood-related erosion 
hazards, and shown on a Flood Hazard Boundary 
Map or Flood Insurance Rate Map as Zone A, AO, 
A1-A30, AE, A99, AH, AR, AR/A, AR/AE, AR/AH, 
AR/AO, AR/A1-A30, V1-V30, VE, or V. 
27. Unit. A single-family unit you own in a condominium 
building. 
28. Valued Policy. A policy in which the insured and the 
insurer agree on the value of the property insured, 
that value being payable in the event of a total loss. 
The Standard Flood Insurance Policy is not a valued 
policy. 
III. PROPERTY COVERED 
A. COVERAGE A - BUILDING PROPERTY 
We insure against direct physical loss by or from flood 
to: 

1. The dwelling at the described location, or for a 
period of 45 days at another location as set forth in 
III.C.2.b., Property Removed to Safety. 
2. Additions and extensions attached to and in contact 
with the dwelling by means of a rigid exterior wall, a 
solid load-bearing interior wall, a stairway, an 
elevated walkway, or a roof. At your 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 
dwelling and cannot be separately insured. 
3. A detached garage at the described location. 
Coverage is limited to no more than 10 percent of the 
limit of liability on the dwelling. Use of this insurance 
is at your option but reduces the building limit of 
liability. We do not cover any detached garage used 
or held for use for residential (i.e., dwelling), 
business, or farming purposes. 
4. Materials and supplies to be used for construction, 
alteration, or repair of the dwelling or a detached 
garage while the materials and supplies are stored in 
a fully enclosed building at the described location 
or on an adjacent property. 
5. A building under construction, alteration, or repair at 
the described location. 
a. If the structure is not yet walled or roofed as 
described in the definition for building (see II.B. 
6.a.) then coverage applies: 
(1) Only while such work is in progress; or 
(2) If such work is halted, only for a period of up 
to 90 continuous days thereafter. 
b. However, coverage does not apply until the 
building is walled and roofed if the lowest floor, 
including the basement floor, of a non-elevated 
building or the lowest elevated floor of an 
elevated building is: 
(1) Below the base flood elevation in Zones 
AH, AE, A1-A30, AR, AR/AE, AR/AH, 
AR/A1-A30, AR/A, AR/AO; or 
(2) Below the base flood elevation adjusted to 
include the effect of wave action in Zones VE 
or V1-V30. 
The lowest floor levels are based on the bottom 
of the lowest horizontal structural member of the 
floor in Zones VE or V1-V30 and the top of the 
floor in Zones AH, AE, A1-A30, AR, AR/AE, 
AR/AH, AR/A1-A30, AR/A, AR/AO. 

6. A manufactured home or a travel trailer as described 
in the Definitions section (see II.B.6.b. and II.B.6.c.). 
If the manufactured home or travel trailer is in a 
special flood hazard area, it must be anchored in 
the following manner at the time of the loss: 

a. By over-the-top or frame ties to ground anchors; 
or 
b. In accordance with the manufacturer's specifications; or 
c. In compliance with the community's floodplain 
management requirements; 
Page 3 of 19 
POL 5 May 1, 2008 


unless it has been continuously insured by the NFIP 
at the same described location since September 30, 
1982. 

7. The following items of property which are covered 
under Coverage A only: 
a. Awnings and canopies; 
b. Blinds; 
c. Built-in dishwashers; 
d. Built-in microwave ovens; 
e. Carpet permanently installed over unfinished 
flooring; 
f. Central air conditioners; 
g. Elevator equipment; 
h. Fire sprinkler systems; 
i. Walk-in freezers; 
j. Furnaces and radiators; 
k. Garbage disposal units; 
l. Hot water heaters, including solar water heaters; 
m. Light fixtures; 
n. Outdoor antennas and aerials fastened to 
buildings; 
o. Permanently installed cupboards, bookcases, 
cabinets, paneling, and wallpaper; 
p. Plumbing fixtures; 
q. Pumps and machinery for operating pumps; 
r. Ranges, cooking stoves, and ovens; 
s. Refrigerators; and 
t. Wall mirrors, permanently installed. 
8. Items of property in a building enclosure below the 
lowest elevated floor of an elevated post-FIRM 
building located in Zones A1-A30, AE, AH, AR, 
AR/A, AR/AE, AR/AH, AR/A1-A30, V1-V30, or VE, or 
in a basement, regardless of the zone. Coverage is 
limited to the following: 
a. Any of the following items, if installed in their 
functioning locations and, if necessary for 
operation, connected to a power source: 
(1) Central air conditioners; 
(2) Cisterns and the water in them; 
(3) Drywall for walls and ceilings in a basement 
and the cost of labor to nail it, unfinished and 
unfloated and not taped, to the framing; 
(4) Electrical junction and circuit breaker boxes; 
(5) Electrical outlets and switches; 
(6) Elevators, dumbwaiters, and related equipment, except for related equipment installed 
below the base flood elevation after 
September 30, 1987; 
(7) Fuel tanks and the fuel in them; 
(8) Furnaces and hot water heaters; 
(9) Heat pumps; 
(10) Nonflammable insulation in a basement; 
(11) Pumps and tanks used in solar energy 
systems; 
(12) Stairways and staircases attached to the 
building, not separated from it by elevated 
walkways; 
(13) Sump pumps; 
(14) Water softeners and the chemicals in them, 
water filters, and faucets installed as an 
integral part of the plumbing system; 
(15) Well water tanks and pumps; 
(16) Required utility connections for any item in 
this list; and 
(17) Footings, foundations, posts, pilings, piers, 
or other foundation walls and anchorage 
systems required to support a building. 
b. Clean-up. 
B. COVERAGE B - PERSONAL PROPERTY 
1. If you have purchased personal property coverage, 
we insure against direct physical loss by or from 
flood to personal property inside a building at the 
described location, if: 
a. The property is owned by you or your household 
family members; and 
b. At your option, the property is owned by guests 
or servants. 
Personal property is also covered for a period of 45 
days at another location as set forth in III.C.2.b., 
Property Removed to Safety. 

Personal property in a building that is not fully 
enclosed must be secured to prevent flotation out of 
the building. If the personal property does float out 
during a flood, it will be conclusively presumed that it 
was not reasonably secured. In that case there is no 
coverage for such property. 

2. Coverage for personal property includes the following 
property, subject to B.1. above, which is covered 
under Coverage B only: 
a. Air conditioning units, portable or window type; 
b. Carpets, not permanently installed, over 
unfinished flooring; 
c. Carpets over finished flooring; 
d. Clothes washers and dryers; 
e. "Cook-out" grills; 
f. Food freezers, other than walk-in, and food in 
any freezer; and 
g. Portable microwave ovens and portable 
dishwashers. 
3. Coverage for items of property in a building 
enclosure below the lowest elevated floor of an 
elevated post-FIRM building located in Zones A1A30, AE, AH, AR, AR/A, AR/AE, AR/AH, AR/A1-A30, 
V1-V30, or VE, or in a basement, regardless of the 
zone, is limited to the following items, if installed in 
their functioning locations and, if necessary for 
operation, connected to a power source: 
a. Air conditioning units, portable or window type; 
b. Clothes washers and dryers; and 
c. Food freezers, other than walk-in, and food in 
any freezer. 
Page 4 of 19 
POL 6 May 1, 2008 


4. If you are a tenant and have insured personal 
property under Coverage B in this policy, we will 
cover such property, including your cooking stove or 
range and refrigerator. The policy will also cover 
improvements made or acquired solely at your 
expense in the dwelling or apartment in which you 
reside, but for not more than 10 percent of the limit of 
liability shown for personal property on the 
Declarations Page. Use of this insurance is at your 
option but reduces the personal property limit of 
liability. 
5. If you are the owner of a unit and have insured 
personal property under Coverage B in this policy, 
we will also cover your interior walls, floor, and ceiling 
(not otherwise covered under a flood insurance 
policy purchased by your condominium 
association) for not more than 10 percent of the limit 
of liability shown for personal property on the 
Declarations Page. Use of this insurance is at your 
option but reduces the personal property limit of 
liability. 
6. Special Limits. We will pay no more than $2,500 for 
any one loss to one or more of the following kinds of 
personal property: 
a. Artwork, photographs, collectibles, or 
memorabilia, including but not limited to, 
porcelain or other figures, and sports cards; 
b. Rare books or autographed items; 
c. Jewelry, watches, precious and semiprecious 
stones, or articles of gold, silver, or platinum; 
d. Furs or any article containing fur which 
represents its principal value; or 
e. Personal property used in any business. 
7. We will pay only for the functional value of antiques. 
C. COVERAGE C - OTHER COVERAGES 
1. Debris Removal 
a. We will pay the expense to remove non-owned 
debris on or in insured property and owned 
debris anywhere. 
b. If you or a member of your household perform 
the removal work, the value of your work will be 
based on the Federal minimum wage. 
c. This coverage does not increase the Coverage A 
or Coverage B limit of liability. 
2. Loss Avoidance Measures 
a. Sandbags, Supplies, and Labor 
(1) We will pay up to $1,000 for costs you incur 
to protect the insured building from a flood 
or imminent danger of flood, for the 
following: 
(a) Your reasonable expenses to buy: 
(i) Sandbags, including sand to fill 
them; 
(ii) Fill for temporary levees; 
(iii) Pumps; and 
(iv) Plastic sheeting and lumber used in 
connection with these items. 
(b) The value of work, at the Federal 
minimum wage, that you or a member of 
your household perform. 
(2) This coverage for Sandbags, Supplies, and 
Labor applies only if damage to insured 
property by or from flood is imminent, and 
the threat of flood damage is apparent 
enough to lead a person of common 
prudence to anticipate flood damage. One 
of the following must also occur: 
(a) A general and temporary condition of 
flooding in the area near the described 
location must occur, even if the flood 
does not reach the insured building; or 
(b) A legally authorized official must issue 
an evacuation order or other civil order 
for the community in which the insured 
building is located calling for measures 
to preserve life and property from the 
peril of flood. 
This coverage does not increase the Coverage A 
or Coverage B limit of liability. 

b. Property Removed to Safety 
(1) We will pay up to $1,000 for the reasonable 
expenses you incur to move insured property 
to a place other than the described location 
that contains the property in order to protect 
it from flood or the imminent danger of 
flood. 
Page 5 of 19 
POL 7 May 1, 2008 


Reasonable expenses include the value of 
work, at the Federal minimum wage, that you 
(a) 80 percent or more 
replacement cost; or 
of its full 
or a member of your household perform. 
(2) If you move insured property to a location 
other than the described location that 
(b) The maximum amount 
permitted under the Act; 
of insurance 
contains the property, in order to protect it 
from flood or the imminent danger of flood, 
we will cover such property while at that 
location for a period of 45 consecutive days 
from the date you begin to move it there. The 
personal property that is moved must be 
(5) To the extent that payment under this policy 
for a condominium building loss, in 
combination with payments under any other 
NFIP policies for the same building loss, 
exceeds the maximum amount of insurance 
permitted under the Act for that kind of 
placed in a fully enclosed building or 
otherwise reasonably protected from the 
elements. 
Any property removed, including a moveable 
home described in II.B.6.b. and c., must be 
building; or 
(6) To the extent that payment under this policy 
for a condominium building loss, in 
combination with any recovery available to 
you as a tenant in common under any NFIP 
placed above ground levelspecial flood hazard area. 
or outside of the condominium association policies for the 
same building loss, exceeds the amount of 
insurance permitted under the Act for a 
This coverage does not increase the Coverage A single-family dwelling. 
or Coverage B limit of liability. 
Loss assessment coverage does not increase the 
3. Condominium Loss Assessments Coverage A limit of liability. 
a. If this policy insures a unit, we will pay, up to the 
Coverage A limit of liability, your share of loss 
D. COVERAGE D - INCREASED COST OF COMPLIANCE 
assessments charged against you by the 
condominium association in accordance with 
1. General 
the condominium association's articles 
association, declarations and your deed. 
of This policy pays you to comply with a State or local 
floodplain management law or ordinance affecting 
repair or reconstruction of a structure suffering flood 
The assessment must be made as a result of damage. Compliance activities eligible for payment 
direct physical loss by or from flood during the 
policy term, to the building's common elements. 
are: elevation, floodproofing, relocation, or demolition 
(or any combination of these activities) of your 
structure. Eligible floodproofing activities are limited 
b. We will not pay any loss assessment charged to: 
against you: 
a. Nonresidential structures. 
(1) And the condominium association by any 
governmental body; b. Residential structures with basements that 
satisfy FEMA's standards published in the Code 
(2) That results from a deductible under the 
insurance purchased by the condominium 
of Federal Regulations [44 CFR 60.6 (b) or (c)]. 
association insuring common elements; 2. Limit of Liability 
(3) That results from a loss to personal property, 
including contents of a condominium 
We will pay you up to $30,000 under this Coverage D 
- Increased Cost of Compliance, which only applies to 
building; policies with building coverage (Coverage A). Our 
payment of claims under Coverage D is in addition to 
(4) That results from a loss sustained by the 
condominium association that was not 
reimbursed under a flood insurance policy 
written in the name of the association under 
the Act because the building was not, at the 
time of loss, insured for an amount equal to 
the amount of coverage which you selected on the 
application and which appears on the Declarations 
Page. But the maximum you can collect under this 
policy for both Coverage A - Building Property and 
Coverage D -Increased Cost of Compliance cannot 
exceed the maximum permitted under the Act. We do 
the lesser of: not charge a separate deductible for a claim under 
Coverage D. 

Page 6 of 19 
POL 8 May 1, 2008 


3. Eligibility 
a. A structure covered under Coverage A - Building 
Property sustaining a loss caused by a flood as 
defined by this policy must: 
(1) Be a "repetitive loss structure." A repetitive 
loss structure is one that meets the following 
conditions: 
(a) The structure is covered by a contract of 
flood insurance issued under the NFIP. 
(b) The structure has suffered flood 
damage on two occasions during a 10year period which ends on the date of 
the second loss. 
(c) The cost to repair the flood damage, on 
average, equaled or exceeded 25 
percent of the market value of the 
structure at the time of each flood loss. 
(d) In addition to the current claim, the NFIP 
must have paid the previous qualifying 
claim, and the State or community must 
have a cumulative, substantial damage 
provision or repetitive loss provision in 
its floodplain management law or 
ordinance being enforced against the 
structure; or 
(2) Be a structure that has had flood damage in 
which the cost to repair equals or exceeds 
50 percent of the market value of the 
structure at the time of the flood. The State 
or community must have a substantial 
damage provision in its floodplain 
management law or ordinance being 
enforced against the structure. 
b. This Coverage D pays you to comply with State or 
local floodplain management laws or ordinances 
that meet the minimum standards of the National 
Flood Insurance Program found in the Code of 
Federal Regulations at 44 CFR 60.3. We pay for 
compliance activities that exceed those standards 
under these conditions: 
(1) 3.a.(1) above. 
(2) Elevation or floodproofing in any risk zone to 
preliminary or advisory base flood 
elevations provided by FEMA which the 
State or local government has adopted and 
is enforcing for flood-damaged structures in 
such areas. (This includes compliance 
activities in B, C, X, or D zones which are 
being changed to zones with base flood 
elevations. This also includes compliance 
activities in zones where base flood 
elevations are being increased, and a flood-
damaged structure must comply with the 
higher advisory base flood elevation.) 
Increased Cost of Compliance coverage 
does not apply to situations in B, C, X, or D 
zones where the community has derived its 
own elevations and is enforcing elevation or 
floodproofing requirements for flood-
damaged structures to elevations derived 
solely by the community. 

(3) Elevation or floodproofing above the base 
flood elevation to meet State or local 
"freeboard" requirements, i.e., that a 
structure must be elevated above the base 
flood elevation. 
c. Under the minimum NFIP criteria at 44 CFR 60.3 
(b)(4), States and communities must require the 
elevation or floodproofing of structures in 
unnumbered A zones to the base flood elevation 
where elevation data is obtained from a Federal, 
State, or other source. Such compliance activities 
are also eligible for Coverage D. 
d. This coverage will also pay for the incremental 
cost, after demolition or relocation, of elevating or 
floodproofing a structure during its rebuilding at 
the same or another site to meet State or local 
floodplain management laws or ordinances, 
subject to Exclusion D.5.g. below. 
e. This coverage will also pay to bring a flood-
damaged structure into compliance with State or 
local floodplain management laws or ordinances 
even if the structure had received a variance 
before the present loss from the applicable 
floodplain management requirements. 
4. Conditions 
a. When a structure covered under Coverage A -
Building Property sustains a loss caused by a 
flood, our payment for the loss under this 
Coverage D will be for the increased cost to 
elevate, floodproof, relocate, or demolish (or any 
combination of these activities) caused by the 
enforcement of current State or local floodplain 
management ordinances or laws. Our payment for 
eligible demolition activities will be for the cost to 
demolish and clear the site of the building debris 
or a portion thereof caused by the enforcement of 
current State or local floodplain management 
ordinances or laws. Eligible activities for the cost of 
clearing the site will include those necessary to 
discontinue utility service to the site and ensure 
proper abandonment of on-site utilities. 
b. When the building is repaired or rebuilt, it must be 
intended for the same occupancy as the present 
building unless otherwise required by current 
floodplain management ordinances or laws. 
Page 7 of 19 
POL 9 May 1, 2008 


5. Exclusions 
Under this Coverage D -Increased Cost of 
Compliance, we will not pay for: 

a. The cost to comply with any floodplain 
management law or ordinance in communities 
participating in the Emergency Program. 
b. The cost associated with enforcement of any 
ordinance or law that requires any insured or 
others to test for, monitor, clean up, remove, 
contain, treat, detoxify or neutralize, or in any way 
respond to, or assess the effects of pollutants. 
c. The loss in value to any insured building or other 
structure due to the requirements of any ordinance 
or law. 
d. The loss in residual value of the undamaged 
portion of a building demolished as a consequence of enforcement of any State or local 
floodplain management law or ordinance. 
e. Any Increased Cost of Compliance under this 
Coverage D: 
(1) Until the building is elevated, floodproofed, 
demolished, or relocated on the same or to 
another premises; and 
(2) Unless the building is elevated, floodproofed, 
demolished, or relocated as soon as 
reasonably possible after the loss, not to 
exceed 2 years (see 3.b.). 
f. Any code upgrade requirements, e.g., plumbing or 
electrical wiring, not specifically related to the State 
or local floodplain management law or ordinance. 
g. Any compliance activities needed to bring 
additions or improvements made after the loss 
occurred into compliance with State or local 
floodplain management laws or ordinances. 
h. Loss due to any ordinance or law that you were 
required to comply with before the current loss. 
i. Any rebuilding activity to standards that do not 
meet the NFIP's minimum requirements. This 
includes any situation where you have received 
from the State or community a variance in 
connection with the current flood loss to rebuild 
the property to an elevation below the base flood 
elevation. 
j. Increased Cost of Compliance for a garage or 
carport. 
k. Any structure insured under an NFIP Group Flood 
Insurance Policy. 
l. Assessments made by a condominium 
association on individual condominium unit 
owners to pay increased costs of repairing 
commonly owned buildings after a flood in 
compliance with State or local floodplain 
management ordinances or laws. 
6. Other Provisions 
a. Increased Cost of Compliance coverage will not be 
included in the calculation to determine whether 
coverage meets the 80 percent insurance-to-value 
requirement for replacement cost coverage as set 
forth in VII. General Conditions, V. Loss 
Settlement. 
b. All other conditions and provisions of this policy 
apply. 
IV. PROPERTY NOT COVERED 
We do not cover any of the following property: 

1. Personal property not inside the fully enclosed 
building; 
2. A building, and personal property in it, located 
entirely in, on, or over water or seaward of mean high 
tide if it was constructed or substantially improved 
after September 30, 1982; 
3. Open structures, including a building used as a 
boathouse or any structure or building into which 
boats are floated, and personal property located in, 
on, or over water; 
4. Recreational vehicles other than travel trailers 
described in II.B.6.c., whether affixed to a permanent 
foundation or on wheels; 
5. Self-propelled vehicles or machines, including their 
parts and equipment. However, we do cover self-
propelled vehicles or machines not licensed for use 
on public roads that are: 
a. Used mainly to service the described location, 
or 
b. Designed and used to assist handicapped 
persons, 
while the vehicles or machines are inside a building 
at the described location; 

6. Land, land values, lawns, trees, shrubs, plants, 
growing crops, or animals; 
7. Accounts, bills, coins, currency, deeds, evidences of 
debt, medals, money, scrip, stored value cards, 
postage stamps, securities, bullion, manuscripts, or 
other valuable papers; 
Page 8 of 19 
POL 10 May 1, 2008 


8. Underground structures and equipment, including 
wells, septic tanks, and septic systems; 
9. Those portions of walks, walkways, decks, driveways, 
patios, and other surfaces, all whether protected by a 
roof or not, located outside the perimeter, exterior 
walls of the insured building or the building in which 
the insured unit is located; 
10. Containers, including related equipment, such as, but 
not limited to, tanks containing gases or liquids; 
11. Buildings or units and all their contents if more than 
49 percent of the actual cash value of the building 
or unit is below ground, unless the lowest level is at 
or above the base flood elevation and is below 
ground by reason of earth having been used as 
insulation material in conjunction with energy efficient 
building techniques; 
12. Fences, retaining walls, seawalls, bulkheads, 
wharves, piers, bridges, and docks; 
13. Aircraft or watercraft, or their furnishings and 
equipment; 
14. Hot tubs and spas that are not bathroom fixtures, and 
swimming pools, and their equipment such as, but not 
limited to, heaters, filters, pumps, and pipes, wherever 
located; 
15. Property not eligible for flood insurance pursuant to 
the provisions of the Coastal Barrier Resources Act 
and the Coastal Barrier Improvement Act and 
amendments to these acts; 
16. Personal property you own in common with other unit 
owners comprising the membership of a 
condominium association. 
V. EXCLUSIONS 
A. We only provide coverage for direct physical loss 
by or from flood, which means that we do not pay 
you for: 
1. Loss of revenue or profits; 
2. Loss of access to the insured property or described 
location; 
3. Loss of use of the insured property or described 
location; 
4. Loss from interruption of business or production; 
5. Any additional living expenses incurred while the 
insured building is being repaired or is unable to be 
occupied for any reason; 
6. The cost of complying with any ordinance or law 
requiring or regulating the construction, demolition, 
remodeling, renovation, or repair of property, 
including removal of any resulting debris. This 
exclusion does not apply to any eligible activities that 
we describe in Coverage D - Increased Cost of 
Compliance; or 
7. Any other economic loss. 
B. We do not insure a loss directly or indirectly caused 
by a flood that is already in progress at the time and 
date: 
1. The policy term begins; or 
2. Coverage is added at your request. 
C. We do not insure for loss to property caused directly 
by earth movement even if the earth movement is 
caused by flood. Some examples of earth movement 
that we do not cover are: 

1. Earthquake; 
2. Landslide; 
3. Land subsidence; 
4. Sinkholes; 
5. Destabilization or movement of land that results from 
accumulation of water in subsurface land area; or 
6. Gradual erosion. 
We do, however, pay for losses from mudflow and land 
subsidence as a result of erosion that are specifically 
covered under our definition of flood (see II.A.1.c. and 
II.A.2.). 

D. We do not insure for direct physical loss caused 
directly or indirectly by any of the following: 
1. The pressure or weight of ice; 
2. Freezing or thawing; 
3. Rain, snow, sleet, hail, or water spray; 
4. Water, moisture, mildew, or mold damage that results 
primarily from any condition: 
a. Substantially confined to the dwelling; or 
b. That is within your control, including but not 
limited to: 
(1) Design, structural, or mechanical defects; 
Page 9 of 19 
POL 11 May 1, 2008 


(2) Failure, stoppage, or breakage of water or 
sewer lines, drains, pumps, fixtures, or 
equipment; or 
(3) Failure to inspect and maintain the property 
after a flood recedes; 
5. Water or waterborne material that: 
a. Backs up through sewers or drains; 
b. Discharges or overflows from a sump, sump 
pump, or related equipment; or 
c. Seeps or leaks on or through the covered 
property; 
unless there is a flood in the area and the flood is 
the proximate cause of the sewer or drain backup, 
sump pump discharge or overflow, or seepage of 
water; 

6. The pressure or weight of water unless there is a 
flood in the area and the flood is the proximate 
cause of the damage from the pressure or weight of 
water; 
7. Power, heating, or cooling failure unless the failure 
results from direct physical loss by or from flood to 
power, heating, or cooling equipment on the 
described location; 
8. Theft, fire, explosion, wind, or windstorm; 
9. Anything you or any member of your household do or 
conspire to do to cause loss by flood deliberately; or 
10. Alteration of the insured property that significantly 
increases the risk of flooding. 
E. We do not insure for loss to any building or personal 
property located on land leased from the Federal 
Government, arising from or incident to the flooding of 
the land by the Federal Government, where the lease 
expressly holds the Federal Government harmless 
under flood insurance issued under any Federal 
Government program. 
F. We do not pay for the testing for or monitoring of 
pollutants unless required by law or ordinance. 
VI. DEDUCTIBLES 
A. When a loss is covered under this policy, we will pay 
only that part of the loss that exceeds your deductible 
amount, subject to the limit of liability that applies. The 
deductible amount is shown on the Declarations 
Page. 
However, when a building under construction, 
alteration, or repair does not have at least two rigid 
exterior walls and a fully secured roof at the time of 
loss, your deductible amount will be two times the 
deductible that would otherwise apply to a completed 
building. 

B. In each loss from flood, separate deductibles apply to 
the building and personal property insured by this 
policy. 
C. The deductible does not apply to: 
1. III.C.2. Loss Avoidance Measures; 
2. III.C.3. Condominium Loss Assessments; or 
3. III.D. Increased Cost of Compliance. 
VII. GENERAL CONDITIONS 
A. Pairs and Sets B. Concealment or Fraud and Policy Voidance 
In case of loss to an article that is part of a pair or set, we 1. With respect to all insureds under this policy, this 
will have the option of paying you: policy: 

1. An amount equal to the cost of replacing the lost, a. Is void; 
damaged, or destroyed article, minus its depreciation; 
or b. Has no legal force or effect; 
2. The amount that represents the fair proportion of the c. Cannot be renewed; and 
total value of the pair or set that the lost, damaged, or 
destroyed article bears to the pair or set. d. Cannot be replaced by a new NFIP policy; 
Page 10 of 19 
POL 12 May 1, 2008 


if, before or after a loss, you or any other insured or 
your agent have at any time: 

(1) Intentionally concealed or misrepresented 
any material fact or circumstance; 
(2) Engaged in fraudulent conduct; or 
(3) Made false statements; 
relating to this policy or any other NFIP 
insurance. 

2. This policy will be void as of the date the wrongful 
acts described in B.1. above were committed. 
3. Fines, civil penalties, and imprisonment under 
applicable Federal laws may also apply to the acts of 
fraud or concealment described above. 
4. This policy is also void for reasons other than fraud, 
misrepresentation, or wrongful act. This policy is void 
from its inception and has no legal force under the 
following conditions: 
a. If the property is located in a community that was 
not participating in the NFIP on the policy's 
inception date and did not join or reenter the 
program during the policy term and before the 
loss occurred; or 
b. If the property listed on the application is 
otherwise not eligible for coverage under the 
NFIP. 
C. Other Insurance 
1. If a loss covered by this policy is also covered by 
other insurance that includes flood coverage not 
issued under the Act, we will not pay more than the 
amount of insurance that you are entitled to for lost, 
damaged, or destroyed property insured under this 
policy subject to the following: 
a. We will pay only the proportion of the loss that 
the amount of insurance that applies under this 
policy bears to the total amount of insurance 
covering the loss, unless C.1.b. or c. immediately 
below applies. 
b. If the other policy has a provision stating that it is 
excess insurance, this policy will be primary. 
c. This policy will be primary (but subject to its own 
deductible) up to the deductible in the other flood 
policy (except another policy as described in 
C.1.b. above). When the other deductible amount 
is reached, this policy will participate in the same 
proportion that the amount of insurance under 
this policy bears to the total amount of both 
policies, for the remainder of the loss. 
2. If there is other insurance in the name of your 
condominium association covering the same 
property covered by this policy, then this policy will 
be in excess over the other insurance. 
D. Amendments, Waivers, Assignment 
This policy cannot be changed nor can any of its 
provisions be waived without the express written consent 
of the Federal Insurance Administrator. No action that we 
take under the terms of this policy constitutes a waiver of 
any of our rights. You may assign this policy in writing 
when you transfer title of your property to someone else, 
except under these conditions: 

1. When this policy covers only personal property; or 
2. When this policy covers a structure during the course 
of construction. 
E. Cancellation of Policy by You 
1. You may cancel this policy in accordance with the 
applicable rules and regulations of the NFIP. 
2. If you cancel this policy, you may be entitled to a full 
or partial refund of premium also under the applicable 
rules and regulations of the NFIP. 
F. Nonrenewal of the Policy by Us 
Your policy will not be renewed: 

1. If the community where your covered property is 
located stops participating in the NFIP; or 
2. If your building has been declared ineligible under 
Section 1316 of the Act. 
G. Reduction and Reformation of Coverage 
1. If the premium we received from you was not enough 
to buy the kind and amount of coverage you 
requested, we will provide only the amount of 
coverage that can be purchased for the premium 
payment we received. 
2. The policy can be reformed to increase the amount 
of coverage resulting from the reduction described in 
G.1. above to the amount you requested as follows: 
a. Discovery of insufficient premium or incomplete 
rating information before a loss. 
(1) If we discover before you have a flood loss 
that your premium payment was not enough 
to buy the requested amount of coverage, 
we will send you and any mortgagee or 
trustee known to us a bill for the required 
additional premium for the current policy 
term (or that portion of the current policy 
term following any endorsement changing 
Page 11 of 19 
POL 13 May 1, 2008 


the amount of coverage). If you or the 
mortgagee or trustee pay the additional 
premium within 30 days from the date of our 
bill, we will reform the policy to increase the 
amount of coverage to the originally 
requested amount effective to the beginning 
of the current policy term (or subsequent 
date of any endorsement changing the 
amount of coverage). 

(2) If we determine before you have a flood loss 
that the rating information we have is 
incomplete and prevents us from calculating 
the additional premium, we will ask you to 
send the required information. You must 
submit the information within 60 days of our 
request. Once we determine the amount of 
additional premium for the current policy 
term, we will follow the procedure in 
G.2.a.(1) above. 
(3) If we do not receive the additional premium 
(or additional information) by the date it is 
due, the amount of coverage can only be 
increased by endorsement subject to any 
appropriate waiting period. 
b. Discovery of insufficient premium or incomplete 
rating information after a loss. 
(1) If we discover after you have a flood loss 
that your premium payment was not enough 
to buy the requested amount of coverage, 
we will send you and any mortgagee or 
trustee known to us a bill for the required 
additional premium for the current and the 
prior policy terms. If you or the mortgagee 
or trustee pay the additional premium within 
30 days from the date of our bill, we will 
reform the policy to increase the amount of 
coverage to the originally requested amount 
effective to the beginning of the prior policy 
term. 
(2) If we discover after you have a flood loss 
that the rating information we have is 
incomplete and prevents us from calculating 
the additional premium, we will ask you to 
send the required information. You must 
submit the information before your claim can 
be paid. Once we determine the amount of 
additional premium for the current and prior 
policy terms, we will follow the procedure in 
G.2.b.(1) above. 
(3) If we do not receive the additional premium 
by the date it is due, your flood insurance 
claim will be settled based on the reduced 
amount of coverage. The amount of 
coverage can only be increased by 
endorsement subject to any appropriate 
waiting period. 
3. However, if we find that you or your agent 
intentionally did not tell us, or falsified, any important 
fact or circumstance or did anything fraudulent 
relating to this insurance, the provisions of Condition 
B. Concealment or Fraud and Policy Voidance apply. 
H. Policy Renewal 
1. This policy will expire at 12:01 a.m. on the last day of 
the policy term. 
2. We must receive the payment of the appropriate 
renewal premium within 30 days of the expiration 
date. 
3. If we find, however, that we did not place your 
renewal notice into the U.S. Postal Service, or if we 
did mail it, we made a mistake, e.g., we used an 
incorrect, incomplete, or illegible address, which 
delayed its delivery to you before the due date for the 
renewal premium, then we will follow these 
procedures: 
a. If you or your agent notified us, not later than 1 
year after the date on which the payment of the 
renewal premium was due, of nonreceipt of a 
renewal notice before the due date for the 
renewal premium, and we determine that the 
circumstances in the preceding paragraph apply, 
we will mail a second bill providing a revised due 
date, which will be 30 days after the date on 
which the bill is mailed. 
b. If we do not receive the premium requested in the 
second bill by the revised due date, then we will 
not renew the policy. In that case, the policy 
will remain an expired policy as of the expiration 
date shown on the Declarations Page. 
4. In connection with the renewal of this policy, we may 
ask you during the policy term to recertify, on a 
Recertification Questionnaire we will provide to you, 
the rating information used to rate your most recent 
application for or renewal of insurance. 
I. Conditions Suspending or Restricting Insurance 
We are not liable for loss that occurs while there is a 
hazard that is increased by any means within your control 
or knowledge. 

J. Requirements in Case of Loss 
In case of a flood loss to insured property, you must: 

1. Give prompt written notice to us; 
2. As soon as reasonably possible, separate the 
damaged and undamaged property, putting it in the 
best possible order so that we may examine it; 
3. Prepare an inventory of damaged property showing 
the quantity, description, actual cash value, and 
amount of loss. Attach all bills, receipts, and related 
documents; 
Page 12 of 19 
POL 14 May 1, 2008 


4. Within 60 days after the loss, send us a proof of loss, 
which is your statement of the amount you are 
claiming under the policy signed and sworn to by 
you, and which furnishes us with the following 
information: 
a. The date and time of loss; 
b. A brief explanation of how the loss happened; 
c. Your interest (for example, "owner") and the 
interest, if any, of others in the damaged 
property; 
d. Details of any other insurance that may cover the 
loss; 
e. Changes in title or occupancy of the covered 
property during the term of the policy; 
f. Specifications of damaged buildings and 
detailed repair estimates; 
g. Names of mortgagees or anyone else having a 
lien, charge, or claim against the covered 
property; 
h. Details about who occupied any insured building 
at the time of loss and for what purpose; and 
i. The inventory of damaged personal property 
described in J.3. above. 
5. In completing the proof of loss, you must use your 
own judgment concerning the amount of loss and 
justify that amount. 
6. You must cooperate with the adjuster or 
representative in the investigation of the claim. 
7. The insurance adjuster whom we hire to investigate 
your claim may furnish you with a proof of loss form, 
and she or he may help you complete it. However, 
this is a matter of courtesy only, and you must still 
send us a proof of loss within 60 days after the loss 
even if the adjuster does not furnish the form or help 
you complete it. 
8. We have not authorized the adjuster to approve or 
disapprove claims or to tell you whether we will 
approve your claim. 
9. At our option, we may accept the adjuster's report of 
the loss instead of your proof of loss. The adjuster's 
report will include information about your loss and the 
damages you sustained. You must sign the adjuster's 
report. At our option, we may require you to swear to 
the report. 
K. Our Options After a Loss 
Options we may, in our sole discretion, exercise after loss 
include the following: 

1. At such reasonable times and places that we may 
designate, you must: 
a. Show us or our representative the damaged 
property; 
b. Submit to examination under oath, while not in 
the presence of another insured, and sign the 
same; and 
c. Permit us to examine and make extracts and 
copies of: 
(1) Any policies of property insurance insuring 
you against loss and the deed establishing 
your ownership of the insured real property; 
(2) Condominium association documents 
including the Declarations of the 
condominium, its Articles of Association or 
Incorporation, Bylaws, rules and regulations, 
and other relevant documents if you are a 
unit owner in a condominium building; and 
(3) All books of accounts, bills, invoices and 
other vouchers, or certified copies pertaining 
to the damaged property if the originals are 
lost. 
2. We may request, in writing, that you furnish us with a 
complete inventory of the lost, damaged, or destroyed 
property, including: 
a. Quantities and costs; 
b. Actual cash values or(whichever is appropriate); 
replacement cost 
c. Amounts of loss claimed; 

d. Any written plans and specifications for repair of 
the damaged property that you can reasonably 
make available to us; and 
e. Evidence that prior flood damage has been 
repaired. 
3. If we give you written notice within 30 days after we 
receive your signed, sworn proof of loss, we may: 
a. Repair, rebuild, or replace any part of the lost, 
damaged, or destroyed property with material or 
property of like kind and quality or its functional 
equivalent; and 
b. Take all or any part of the damaged property at 
the value we agree upon or its appraised value. 
L. No Benefit to Bailee 
No person or organization, other than you, having custody 
of covered property will benefit from this insurance. 

Page 13 of 19 
POL 15 May 1, 2008 


M. Loss Payment 
1. We will adjust all losses with you. We will pay you 
unless some other person or entity is named in the 
policy or is legally entitled to receive payment. Loss 
will be payable 60 days after we receive your proof of 
loss (or within 90 days after the insurance adjuster 
files an adjusters report signed and sworn to by you 
in lieu of a proof of loss) and: 
a. We reach an agreement with you; 
b. There is an entry of a final judgment; or 
c. There is a filing of an appraisal award with us, as 
provided in VII.P. 
2. If we reject your proof of loss in whole or in part you 
may: 
a. Accept our denial of your claim; 
b. Exercise your rights under this policy; or 
c. File an amended proof of loss, as long as it is 
filed within 60 days of the date of the loss. 
N. Abandonment 
You may not abandon to us damaged or undamaged 
property insured under this policy. 

O. Salvage 
We may permit you to keep damaged insured property 
after a loss, and we will reduce the amount of the loss 
proceeds payable to you under the policy by the value of 
the salvage. 

P. Appraisal 
If you and we fail to agree on the actual cash value or, if 
applicable, replacement cost of your damaged property to 
settle upon the amount of loss, then either may demand 
an appraisal of the loss. In this event, you and we will 
each choose a competent and impartial appraiser within 
20 days after receiving a written request from the other. 
The two appraisers will choose an umpire. If they cannot 
agree upon an umpire within 15 days, you or we may 
request that the choice be made by a judge of a court of 
record in the State where the covered property is located. 
The appraisers will separately state the actual cash 
value, the replacement cost, and the amount of loss to 
each item. If the appraisers submit a written report of an 
agreement to us, the amount agreed upon will be the 
amount of loss. If they fail to agree, they will submit their 
differences to the umpire. A decision agreed to by any two 
will set the amount of actual cash value and loss, or if it 
applies, the replacement cost and loss. 

Each party will: 

1. Pay its own appraiser; and 
2. Bear the other expenses of the appraisal and umpire 
equally. 
Q. Mortgage Clause 
The word "mortgagee" includes trustee. 

Any loss payable under Coverage A - Building Property 
will be paid to any mortgagee of whom we have actual 
notice as well as any other mortgagee or loss payee 
determined to exist at the time of loss, and you, as 
interests appear. If more than one mortgagee is named, 
the order of payment will be the same as the order of 
precedence of the mortgages. 

If we deny your claim, that denial will not apply to a valid 
claim of the mortgagee, if the mortgagee: 

1. Notifies us of any change in the ownership or 
occupancy, or substantial change in risk of which the 
mortgagee is aware; 
2. Pays any premium due under this policy on demand 
if you have neglected to pay the premium; and 
3. Submits a signed, sworn proof of loss within 60 days 
after receiving notice from us of your failure to do so. 
All of the terms of this policy apply to the mortgagee. 

The mortgagee has the right to receive loss payment even 
if the mortgagee has started foreclosure or similar action 
on the building. 

If we decide to cancel or not renew this policy, it will 
continue in effect for the benefit of the mortgagee only for 
30 days after we notify the mortgagee of the cancellation 
or nonrenewal. 

If we pay the mortgagee for any loss and deny payment to 
you, we are subrogated to all the rights of the mortgagee 
granted under the mortgage on the property. Subrogation 
will not impair the right of the mortgagee to recover the full 
amount of the mortgagee's claim. 

R. Suit Against Us 
You may not sue us to recover money under this policy 
unless you have complied with all the requirements of the 
policy. If you do sue, you must start the suit within 1 year 
after the date of the written denial of all or part of the 
claim, and you must file the suit in the United States 
District Court of the district in which the insured property 
was located at the time of loss. This requirement applies 
to any claim that you may have under this policy and to 
any dispute that you may have arising out of the handling 
of any claim under the policy. 

S. Subrogation 
Whenever we make a payment for a loss under this 
policy, we are subrogated to your right to recover for that 
loss from any other person. That means that your right to 

Page 14 of 19 
POL 16 May 1, 2008 


recover for a loss that was partly or totally caused by (1) Agree to a claim payment that reflects your 
someone else is automatically transferred to us, to the buying back the salvage on a negotiated 
extent that we have paid you for the loss. We may require basis; and 
you to acknowledge this transfer in writing. After the loss, 
you may not give up our right to recover this money or do (2) Grant the conservation easement described in 
anything that would prevent us from recovering it. If you FEMA's "Policy Guidance for Closed Basin 
make any claim against any person who caused your loss Lakes," to be recorded in the office of the local 
and recover any money, you must pay us back first before recorder of deeds. FEMA, in consultation with 
you may keep any of that money. the community in which the property is 
located, will identify on a map an area or 
T. Continuous Lake Flooding areas of special consideration (ASC) in which 
there is a potential for flood damage from 
1. If your insured building has been flooded by rising continuous lake flooding. FEMA will give the 
lake waters continuously for 90 days or more and it community the agreed-upon map showing the 
appears reasonably certain that a continuation of this ASC. This easement will only apply to that 
flooding will result in a covered loss to the insured portion of the property in the ASC. It will allow 
building equal to or greater than the building policy certain agricultural and recreational uses of 
limits plus the deductible or the maximum payable the land. The only structures that it will allow 
under the policy for any one building loss, we will on any portion of the property within the ASC 
pay you the lesser of these two amounts without are certain simple agricultural and recreational 
waiting for the further damage to occur if you sign a structures. If any of these allowable structures 
release agreeing: are insurable buildings under the NFIP and 
are insured under the NFIP, they will not be 
a. To make no further claim under this policy; eligible for the benefits of this paragraph T.2. 
If a U.S. Army Corps of Engineers certified 
b. Not to seek renewal of this policy; flood control project or otherwise certified 
flood control project later protects the 
c. Not to apply for any flood insurance under the property, FEMA will, upon request, amend the 
Act for property at the described location; and ASC to remove areas protected by those 
projects. The restrictions of the easement will 
d. Not to seek a premium refund for current or prior then no longer apply to any portion of the 
terms. property removed from the ASC; and 
If the policy term ends before the insured building (3) Comply with paragraphs T.1.a. through T.1.d. 
has been flooded continuously for 90 days, the above. 
provisions of this paragraph T.1. will apply when the 
insured building suffers a covered loss before the c. Within 90 days of approval of your claim, you must 
policy term ends. move your building to a new location outside the 
ASC. FEMA will give you an additional 30 days to 
2. If your insured building is subject to continuous lake move if you show that there is sufficient reason to 
flooding from a closed basin lake, you may elect to file extend the time. 
a claim under either paragraph T.1. above or 
paragraph T.2. (A "closed basin lake" is a natural lake d. Before the final payment of your claim, you must 
from which water leaves primarily through evaporation acquire an elevation certificate and a floodplain 
and whose surface area now exceeds or has exceeded development permit from the local floodplain 
1 square mile at any time in the recorded past. Most of administrator for the new location of your building. 
the nation's closed basin lakes are in the western half 
of the United States, where annual evaporation e. Before the approval of your claim, the community 
exceeds annual precipitation and where lake levels and having jurisdiction over your building must: 
surface areas are subject to considerable fluctuation 
due to wide variations in the climate. These lakes may (1) Adopt a permanent land use ordinance, or a 
overtop their basins on rare occasions.) Under this temporary moratorium for a period not to 
paragraph T.2. we will pay your claim as if the building exceed 6 months to be followed immediately 
is a total loss even though it has not been continuously by a permanent land use ordinance, that is 
inundated for 90 days, subject to the following consistent with the provisions specified in the 
conditions: easement required in paragraph T.2.b. above. 
a. Lake flood waters must damage or imminently 
threaten to damage your building. 
(2) Agree to declare and report any violations of 
this ordinance to FEMA so that under Section 
1316 of the National Flood Insurance Act of 
b. Before approval of your claim, you must: 1968, as amended, flood insurance to the 
building can be denied; and 

Page 15 of 19 
POL 17 May 1, 2008 


(3) Agree to maintain as deed-restricted, for 
purposes compatible with open space or 
agricultural or recreational use only, any 
affected property the community acquires an 
interest in. These deed restrictions must be 
consistent with the provisions of paragraph 
T.2.b. above, except that, even if a certified 
project protects the property, the land use 
restrictions continue to apply if the property 
was acquired under the Hazard Mitigation 
Grant Program or the Flood Mitigation 
Assistance Program. If a nonprofit land trust 
organization receives the property as a 
donation, that organization must maintain the 
property as deed-restricted, consistent with 
the provisions of paragraph T.2.b. above. 
f. Before the approval of your claim, the affected 
State must take all action set forth in FEMA's 
"Policy Guidance for Closed Basin Lakes." 
g. You must have NFIP flood insurance coverage 
continuously in effect from a date established by 
FEMA until you file a claim under paragraph T.2. If 
a subsequent owner buys NFIP insurance that 
goes into effect within 60 days of the date of 
transfer of title, any gap in coverage during that 
60-day period will not be a violation of this 
continuous coverage requirement. For the purpose 
of honoring a claim under this paragraph T.2., we 
will not consider to be in effect any increased 
coverage that became effective after the date 
established by FEMA. The exception to this is any 
increased coverage in the amount suggested by 
your insurer as an inflation adjustment. 
h. This paragraph T.2. will be in effect for a 
community when the FEMA Regional Director for 
the affected region provides to the community, in 
writing, the following: 
(1) Confirmation that the community and the 
State are in compliance with the conditions in 
paragraphs T.2.e. and T.2.f. above; and 
(2) The date by which you must have flood 
insurance in effect. 
U. Duplicate Policies Not Allowed 
1. We will not insure your property under more than one 
NFIP policy. 
If we find that the duplication was not knowingly 
created, we will give you written notice. The notice will 
advise you that you may choose one of several 
options under the following procedures: 

a. If you choose to keep in effect the policy with the 
earlier effective date, you may also choose to 
add the coverage limits of the later policy to the 
limits of the earlier policy. The change will 
become effective as of the effective date of the 
later policy. 
b. If you choose to keep in effect the policy with the 
later effective date, you may also choose to add 
the coverage limits of the earlier policy to the 
limits of the later policy. The change will be 
effective as of the effective date of the later 
policy. 
In either case, you must pay the pro rata premium for 
the increased coverage limits within 30 days of the 
written notice. In no event will the resulting coverage 
limits exceed the permissible limits of coverage under 
the Act or your insurable interest, whichever is less. 

We will make a refund to you, according to applicable 
NFIP rules, of the premium for the policy not being 
kept in effect. 

2. Your option under Condition U. Duplicate Policies Not 
Allowed to elect which NFIP policy to keep in effect 
does not apply when duplicates have been knowingly 
created. Losses occurring under such circumstances 
will be adjusted according to the terms and conditions 
of the earlier policy. The policy with the later 
effective date will be canceled. 
V. Loss Settlement 
1. Introduction 
This policy provides three methods of settling losses: 
Replacement Cost, Special Loss Settlement, and 
Actual Cash Value. Each method is used for a 
different type of property, as explained in a.-c. below. 

a. Replacement Cost loss settlement, described in 
V.2. below, applies to a single-family dwelling 
provided: 
(1) It is your principal residence, which means 
that, at the time of loss, you or your spouse 
lived there for at least 80 percent of: 
(a) The 365 days immediately preceding 
the loss; or 
(b) The period of your ownership, if you 
owned the dwelling for less than 365 
days; and 
(2) At the time of loss, the amount of insurance 
in this policy that applies to the dwelling is 
80 percent or more of its full replacement 
cost immediately before the loss, or is the 
maximum amount of insurance available 
under the NFIP. 
b. Special loss settlement, described in V.3. below, 
applies to a single-family dwelling that is a 
manufactured or mobile home or a travel trailer. 
c. Actual Cash Value loss settlement applies to a 
single-family dwelling not subject to replacement 
cost or special loss settlement, and to the 
property listed in V.4. below. 
Page 16 of 19 
POL 18 May 1, 2008 


2. Replacement Cost Loss Settlement 
The following loss settlement conditions apply to a 
single-family dwelling described in V.1.a. above: 

a. We will pay to repair or replace the damaged 
dwelling after application of the deductible and 
without deduction for depreciation, but not more 
than the least of the following amounts: 
(1) The building limit of liability shown on your 
Declarations Page; 
(2) The replacement cost of that part of the 
dwelling damaged, with materials of like 
kind and quality, and for like use; or 
(3) The necessary amount actually spent to 
repair or replace the damaged part of the 
dwelling for like use. 
b. If the dwelling is rebuilt at a new location, the 
cost described above is limited to the cost that 
would have been incurred if the dwelling had 
been rebuilt at its former location. 
c. When the full cost of repair or replacement is 
more than $1,000 or more than 5 percent of the 
whole amount of insurance that applies to the 
dwelling, we will not be liable for any loss under 
V.2.a. above or V.4.a.(2) below unless and until 
actual repair or replacement is completed. 
d. You may disregard the replacement cost 
conditions above and make claim under this 
policy for loss to dwellings on an actual cash 
value basis. You may then make claim for any 
additional liability according to V.2.a., b., and c. 
above, provided you notify us of your intent to do 
so within 180 days after the date of loss. 
e. If the community in which your dwelling is 
located has been converted from the Emergency 
Program to the Regular Program during the 
current policy term, then we will consider the 
maximum amount of available NFIP insurance to 
be the amount that was available at the 
beginning of the current policy term. 
3. Special Loss Settlement 
a. The following loss settlement conditions apply to 
a single-family dwelling that: 
(1) Is a manufactured or mobile home or a travel 
trailer, as defined in II.B.6.b. and II.B.6.c.; 
(2) Is at least 16 feet wide when fully assembled 
and has an area of at least 600 square feet 
within its perimeter walls when fully 
assembled; and 
(3) Is your principal residence, as specified in 
V.1.a.(1) above. 
b. If such a dwelling is totally destroyed or 
damaged to such an extent that, in our judgment, 
it is not economically feasible to repair, at least to 
its predamage condition, we will, at our 
discretion, pay the least of the following amounts: 
(1) The lesser of the replacement cost of the 
dwelling or 1.5 times the actual cash 
value, or 
(2) The building limit of liability shown on your 
Declarations Page. 
c. If such a dwelling is partially damaged and, in 
our judgment, it is economically feasible to repair 
it to its predamage condition, we will settle the 
loss according to the Replacement Cost 
conditions in paragraph V.2. above. 
4. Actual Cash Value Loss Settlement 
The types of property noted below are subject to 
actual cash value [or in the case of V.4.a.(2) below, 
proportional] loss settlement. 

a. A dwelling, at the time of loss, when the amount 
of insurance on the dwelling is both less than 80 
percent of its full replacement cost immediately 
before the loss and less than the maximum 
amount of insurance available under the NFIP. 
In that case, we will pay the greater of the 
following amounts, but not more than the amount 
of insurance that applies to that dwelling: 
(1) The actual cash value, as defined in II.B.2., 
of the damaged part of the dwelling; or 
(2) A proportion of the cost to repair or replace 
the damaged part of the dwelling, without 
deduction for physical depreciation and after 
application of the deductible. 
This proportion is determined as follows: If 
80 percent of the full replacement cost of the 
dwelling is less than the maximum amount 
of insurance available under the NFIP, then 
the proportion is determined by dividing the 
actual amount of insurance on the dwelling 
by the amount of insurance that represents 
80 percent of its full replacement cost. But if 
80 percent of the full replacement cost of the 
dwelling is greater than the maximum 
amount of insurance available under the 
NFIP, then the proportion is determined by 
dividing the actual amount of insurance on 
the dwelling by the maximum amount of 
insurance available under the NFIP. 

b. A two-, three-, or four-family dwelling. 
c. A unit that is not used exclusively for single-
family dwelling purposes. 
Page 17 of 19 
POL 19 May 1, 2008 


d. Detached garages. 
e. Personal property. 
f. Appliances, carpets, and carpet pads. 
g. Outdoor awnings, outdoor antennas or aerials of 
any type, and other outdoor equipment. 
h. Any property covered under this policy that is 
abandoned after a loss and remains as debris 
anywhere on the described location. 
i. A dwelling that is not your principal residence. 
5. Amount of Insurance Required 
To determine the amount of insurance required for a 
dwelling immediately before the loss, do not include 
the value of: 

a. Footings, foundations, piers, or any other 
structures or devices that are below the 
undersurface of the lowest basement floor and 
support all or part of the dwelling; 
b. Those supports listed in V.5.a. above that are 
below the surface of the ground inside the 
foundation walls if there is no basement; and 
c. Excavations and underground flues, pipes, 
wiring, and drains. 
The Coverage D - Increased Cost of Compliance limit 
of liability is not included in the determination of the 
amount of insurance required. 

VIII. LIBERALIZATION CLAUSE 
If we make a change that broadens your coverage under change, provided that this implementation date falls within 
this edition of our policy, but does not require any 60 days before, or during, the policy term stated on the 
additional premium, then that change will automatically Declarations Page. 
apply to your insurance as of the date we implement the 

IX. WHAT LAW GOVERNS 
This policy and all disputes arising from the handling of National Flood Insurance Act of 1968, as amended (42 
any claim under the policy are governed exclusively by U.S.C. 4001, et seq.), and Federal common law. 
the flood insurance regulations issued by FEMA, the 

IN WITNESS WHEREOF, we have signed this policy below and hereby enter into this Insurance Agreement. 


David I. Maurstad 
Federal Insurance Administrator 
National Flood Insurance Program 

Page 18 of 19 

POL 20 May 1, 2008 


CLAIM GUIDELINES IN CASE OF A FLOOD 

For the protection of you and your family, the following claim guidelines are provided by the National Flood 
Insurance Program (NFIP). If you are ever in doubt as to what action is needed, consult your insurance 
representative or call the NFIP toll-free at 1-800-638-6620 or on the TDD line at 1-800-447-9487. 

Know your insurance representative's name and telephone number. List them here for fast reference: 

Insurance Representative _________________________________ 

Representative's Phone Number ______________________________ 

 Notify us or your insurance representative, in writing, as soon as possible after the flood. 
 If you report to your insurance representative, remind him or her to assign the claim to an NFIP-
approved claims adjuster. The NFIP pays for the services of the independent claims adjuster assigned 
to your claim. 
 Determine the independent claims adjuster assigned to your claim and contact him or her if you have 
not been contacted within 24 hours after you reported the claim to your insurance representative. 
 As soon as possible, separate damaged property from undamaged property so that damage can be 
inspected and evaluated. 
 Discuss with the claims adjuster any need you may have for an advance or partial payment for your 
loss. 
 To help the claims adjuster, try to take photographs of the outside of the premises showing the flooding 
and the damage and photographs of the inside of the premises showing the height of the water and the 
damaged property. 
 Place all account books, financial records, receipts, and other loss verification material in a safe place 
for examination and evaluation by the claims adjuster. 
 Work cooperatively and promptly with the claims adjuster to determine and document all claim items. 
Be prepared to advise the claims adjuster of the cause and responsible party(ies), if the flooding 
resulted from other than natural cause. 
 Make sure that the claims adjuster fully explains, and that you fully understand, all allowances and 
procedures for processing claim payments on the basis of your proof of loss. This policy requires you to 
send us detailed proof of loss within 60 days after the loss. 
 Any and all coverage problems and claim allowance restrictions must be communicated directly from 
the NFIP. Claims adjusters are not authorized to approve or deny claims; their job is to report to the 
NFIP on the elements of flood cause and damage. 
At our option, we may accept an adjuster's report of the loss instead of your proof of loss. The adjuster's 
report will include information about your loss and the damages to your insured property. You must sign the 
adjuster's report. At our option, we may require you to swear to the report. 

F-122 (10/04) 

Page 19 of 19 
POL 21 May 1, 2008 


GENERAL PROPERTY FORM 
Summary of Significant Changes, December 31, 2000 


1. Section III. Property Covered, A. Coverage A 
Building Property, 3. 
Additions and extensions to buildings that are connected 
by a rigid exterior wall, a solid load-bearing interior wall, a 
stairway, an elevated walkway, or a roof may be insured 
as part of the building. At the option of the insured, these 
extensions and additions may be insured separately. 
Additions and extensions that are 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 insured 
separately. 

2. Section III. Property Covered, B. Coverage B 
Personal Property, 5. Special Limits 
Coverage for fine arts, collectibles, jewelry, and furs, etc., 
has been increased to $2500. 

3. Section III. Property Covered B. Coverage B 
Personal Property, 8. 
Coverage for condominium unit owners has been 
extended to apply up to 10 percent of the contents 
coverage for losses to interior walls, floors, and ceilings 
not covered by the condominium association's master 
policy. 

4. Section III. Property Covered, C. Coverage C 
Other Coverages, 2.a. & b. 
Coverage for the two loss avoidance measures 
(sandbagging and relocation of property to protect it from 
flood or the imminent danger of flood) has been increased 
to $1,000 for each. 

5. Section III. Property Covered, C. Coverage C - 
Other Coverages, 3. Pollution Damage 
Coverage for damage caused by pollutants to covered 
property has been limited to $10,000. This does not cover 
the cost of testing for or monitoring of pollutants unless it 
is required by law or ordinance. 

6. Section IV. Property Not Covered, 5.a. & b. 
Coverage has been changed to pay for losses to self-
propelled vehicles used to service the described location 
or designed to assist handicapped persons provided that 
the vehicles are in a building at the described location. 

7. Section IV. Property Not Covered, 7. 
Coverage is now specifically excluded for scrip and stored 
value cards. 

8. Section IV. Property Not Covered, 14. 
Coverage for swimming pools, hot tubs, and spas (that are 
not bathroom hot tubs or spas), and their equipment is 
now excluded. 

9. Section V. Exclusions, B.1 & 2. 
The explanation of when coverage begins as it relates to a 
loss in progress has been simplified. 

10. Section V. Exclusions, C. 
Coverage has been clarified to pay for losses from land 
subsidence under certain circumstances. Subsidence of 
land along a lake shore or similar body of water which 
results from the erosion or undermining of the shoreline 
caused by waves or currents of water exceeding cyclical 
levels that result in a flood continues to be covered. All 
other land subsidence is now excluded. 

11. Section V. Exclusions, D.4.b.(3) 
Coverage is now excluded for water, moisture, mildew, or 
mold damage caused by the policyholder's failure to 
inspect and maintain the insured property after the flood 
waters recede. 

12. Section V. Exclusions, D.6. 
Coverage is added for damage from the pressure of water 
against the insured structure with the requirement that 
there be a flood in the area and the flood is the proximate 
cause of damage from the pressure of water against the 
insured structure. 

13. Section VII. General Conditions, G. Reduction 
and Reformation of Coverage, 2.a.(2) 
If it is discovered before a claim occurs that there is 
incomplete rating information, the policyholder has 60 days 
to submit missing rating information. Otherwise, the 
coverage is limited to the amount of coverage that can be 
purchased for the premium originally received and can only 
be increased by an endorsement that is subject to the 
appropriate waiting period (currently 30 days). 

POL 22 May 1, 2008 


FEDERAL EMERGENCY MANAGEMENT AGENCY
NATIONAL FLOOD INSURANCE PROGRAM 


STANDARD FLOOD INSURANCE POLICY 


GENERAL PROPERTY FORM 

PLEASE READ THE POLICY CAREFULLY. THE FLOOD INSURANCE PROVIDED IS SUBJECT TO LIMITATIONS, 
RESTRICTIONS, AND EXCLUSIONS. 

THIS POLICY PROVIDES NO COVERAGE: 

1. IN A REGULAR PROGRAM COMMUNITY, FOR A RESIDENTIAL CONDOMINIUM BUILDING, AS DEFINED IN THIS 
POLICY; AND 
2. EXCEPT FOR PERSONAL PROPERTY COVERAGE, FOR A UNIT IN A CONDOMINIUM BUILDING. 
I. AGREEMENT 
The Federal Emergency Management Agency (FEMA) 
provides flood insurance under the terms of the National 
Flood Insurance Act of 1968 and its amendments, and 
Title 44 of the Code of Federal Regulations (CFR). 

We will pay you for direct physical loss by or from flood 
to your insured property if you: 

1. Have paid the correct premium; 
2. Comply with all terms and conditions of this policy; 
and 
3. Have furnished accurate information and statements. 
We have the right to review the information you give us at 
any time and to revise your policy based on our review. 

II. DEFINITIONS 
A. In this policy, "you" and "your" refer to the insured(s) 
shown on the Declarations Page of this policy. 
"Insured(s)" includes: Any mortgagee and loss payee 
named in the Application and Declarations Page, 
as well as any other mortgagee or loss payee 
determined to exist at the time of loss in the order of 
precedence. "We," "us," and "our" refer to the insurer. 
Some definitions are complex because they are provided 
as they appear in the law or regulations, or result from 
court cases. The precise definitions are intended to protect 
you. 

Flood, as used in this flood insurance policy, means: 

1. A general and temporary condition of partial or 
complete inundation of two or more acres of normally 
dry land area or of two or more properties (at least 
one of which is your property) from: 
a. Overflow of inland or tidal waters; 
b. Unusual and rapid accumulation or runoff of 
surface waters from any source; 
c. Mudflow. 
2. 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 in A.1.a. above. 
B. The following are the other key definitions that we use 
in this policy: 
1. Act. The National Flood Insurance Act of 1968 and 
any amendments to it. 
2. Actual Cash Value. The cost to replace an insured 
item of property at the time of loss, less the value of 
its physical depreciation. 
3. Application. The statement made and signed by you 
or your agent in applying for this policy. The 
application gives information we use to determine 
the eligibility of the risk, the kind of policy to be 
issued, and the correct premium payment. The 
application is part of this flood insurance policy. For 
us to issue you a policy, the correct premium 
payment must accompany the application. 
4. Base Flood. A flood having a one percent chance of 
being equaled or exceeded in any given year. 
Page 1 of 18 

POL 23 May 1, 2008 


5. 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. 
6. Building. 
a. A structure with two or more outside rigid walls 
and a fully secured roof, that is affixed to a 
permanent site; 
b. A manufactured home (a "manufactured home," 
also known as a mobile home, is a structure: built 
on a permanent chassis, transported to its site in 
one or more sections, and affixed to a permanent 
foundation); or 
c. A travel trailer without wheels, built on a chassis 
and affixed to a permanent foundation, that is 
regulated under the community's floodplain 
management and building ordinances or laws. 
Building does not mean a gas or liquid storage tank 
or a recreational vehicle, park trailer, or other similar 
vehicle, except as described in B.6.c., above. 

7. Cancellation. The ending of the insurance coverage 
provided by this policy before the expiration date. 
8. Condominium. That form of ownership of real 
property in which each unit owner has an undivided 
interest in common elements. 
9. Condominium Association. The entity made up of 
the unit owners responsible for the maintenance and 
operation of: 
a. Common elements owned in undivided shares by 
unit owners; and 
b. Other real property in which the unit owners 
have use rights ; 
where membership in the entity is a required condition 
of unit ownership. 

10. Declarations Page. A computer-generated summary 
of information you provided in the application for 
insurance. The Declarations Page also describes the 
term of the policy, limits of coverage, and displays 
the premium and our name. The Declarations Page 
is a part of this flood insurance policy. 
11. Described Location. The location where the insured 
building or personal property are found. The 
described location is shown on the Declarations 
Page. 
12. 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. 
13. 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. 
14. Emergency Program. The initial phase of a 
communitys participation in the National Flood 
Insurance Program. During this phase, only limited 
amounts of insurance are available under the Act. 
15. Expense Constant. A flat charge you must pay on 
each new or renewal policy to defray the expenses of 
the Federal Government related to flood insurance. 
16. Federal Policy Fee. A flat charge you must pay on 
each new or renewal policy to defray certain 
administrative expenses incurred in carrying out the 
National Flood Insurance Program. This fee covers 
expenses not covered by the expense constant. 
17. Improvements. Fixtures, alterations, installations, or 
additions comprising a part of the insured building. 
18. 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. 
19. National Flood Insurance Program (NFIP). The 
program of flood insurance coverage and floodplain 
management administered under the Act and 
applicable Federal regulations in Title 44 of the Code 
of Federal Regulations, Subchapter B. 
20. Policy. The entire written contract between you and 
us. It includes: 
a. This printed form; 
b. The application and Declarations Page; 
c. Any endorsement(s) that may be issued; and 
d. Any renewal certificate indicating that coverage 
has been instituted for a new policy and new 
policy term. 
Only one building, which you specifically described in 
the application, may be insured under this policy. 

21. 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. 
22. Post-FIRM Building. A building for which 
construction or substantial improvement occurred 
Page 2 of 18 
POL 24 May 1, 2008 


after December 31, 1974, or on or after the effective 
date of an initial Flood Insurance Rate Map (FIRM), 
whichever is later. 

23. Probation Premium. A flat charge you 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. 
24. Regular Program. The final phase of a community's 
participation in the National Flood Insurance 
Program. In this phase, a Flood Insurance Rate Map 
is in effect and full limits of coverage are available 
under the Act. 
25. Residential Condominium Building. A building, 
owned and administered as a condominium, 
containing one or more family units and in which at 
least 75 percent of the floor area is residential. 
26. Special Flood Hazard Area. An area having special 
flood, or mudflow, and/or flood-related erosion 
hazards, and shown on a Flood Hazard Boundary 
Map or Flood Insurance Rate Map as Zone A, AO, 
A1-A30, AE, A99, AH, AR, AR/A, AR/AE, AR/AH, 
AR/AO, AR/A1-A30, V1-V30, VE, or V. 
27. 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, except the 
following: 
a. Parts and equipment for self-propelled vehicles; 
b. Furnishings and equipment for watercraft; 
c. Spas and hot-tubs, including their equipment; 
and 
d. Swimming pool equipment. 
28. Unit. A unit in a condominium building. 
29. Valued Policy. A policy in which the insured and the 
insurer agree on the value of the property insured, 
that value being payable in the event of a total loss. 
The Standard Flood Insurance Policy is not a valued 
policy. 
III. PROPERTY COVERED 
A. COVERAGE A - BUILDING PROPERTY 
We insure against direct physical loss by or from flood 
to: 

1. The building described on the Declarations Page at 
the described location. If the building is a 
condominium building and the named insured is the 
condominium association, Coverage A includes all 
units within the building and the improvements 
within the units, provided the units are owned in 
common by all unit owners. 
2. We also insure building property for a period of 45 
days at another location, as set forth in III.C.2.b., 
Property Removed to Safety. 
3. 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 your 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. 
4. The following fixtures, machinery, and equipment, 
which are covered under Coverage A only: 
a. Awnings and canopies; 
b. Blinds; 
c. Carpet permanently installed over unfinished 
flooring; 
d. Central air conditioners; 
e. Elevator equipment; 
f. Fire extinguishing apparatus; 
g. Fire sprinkler systems; 
h. Walk-in freezers; 
i. Furnaces; 
j. Light fixtures; 
k. Outdoor antennas and aerials attached to 
buildings; 
l. Permanently installed cupboards, bookcases, 
paneling, and wallpaper; 
m. Pumps and machinery for operating pumps; 
n. Ventilating equipment; 
o. Wall mirrors, permanently installed; and 
p. In the units within the building, installed: 
(1) Built-in dishwashers; 
(2) Built-in microwave ovens; 
(3) Garbage disposal units; 
(4) Hot water heaters, including solar water 
heaters; 
(5) Kitchen cabinets; 
(6) Plumbing fixtures; 
(7) Radiators; 
(8) Ranges; 
(9) Refrigerators; and 
(10) Stoves. 
Page 3 of 18 
POL 25 May 1, 2008 


5. Materials and supplies to be used for construction, 
alteration, or repair of the insured building while the 
materials and supplies are stored in a fully enclosed 
building at the described location or on an adjacent 
property. 
6. A building under construction, alteration, or repair at 
the described location. 
a. If the structure is not yet walled or roofed as 
described in the definition for building (see II.B. 
6.a.), then coverage applies: 
(1) Only while such work is in progress; or 
(2) If such work is halted, only for a period of up 
to 90 continuous days thereafter. 
b. However, coverage does not apply until the 
building is walled and roofed if the lowest floor, 
including the basement floor, of a non-elevated 
building or the lowest elevated floor of an 
elevated building is: 
(1) Below the base flood elevation in Zones 
AH, AE, A1-A30, AR, AR/AE, AR/AH, 
AR/A1-A30, AR/A, AR/AO; or 
(2) Below the base flood elevation adjusted to 
include the effect of wave action in Zones VE 
or V1-V30. 
The lowest floor levels are based on the bottom of 
the lowest horizontal structural member of the floor 
in Zones VE or V1-V30 and the top of the floor in 
Zones AH, AE, A1-A30, AR, AR/AE, AR/AH, 
AR/A1-A30, AR/A, AR/AO. 

7. A manufactured home or a travel trailer as described 
in the Definitions section (see II.B.6.b.and II.B.6.c.). 
If the manufactured home or travel trailer is in a 
special flood hazard area, it must be anchored in 
the following manner at the time of the loss: 

a. By over-the-top or frame ties to ground anchors; 
or 
b. In accordance with the manufacturer's specifications; or 
c. In compliance with the community's floodplain 
management requirements 
unless it has been continuously insured by the NFIP 
at the same described location since September 30, 
1982. 

8. Items of property in a building enclosure below the 
lowest elevated floor of an elevated post-FIRM 
building located in Zones A1-A30, AE, AH, AR, 
AR/A, AR/AE, AR/AH, AR/A1-A30, V1-V30, or VE, or 
in a basement, regardless of the zone. Coverage is 
limited to the following: 

a. Any of the following items, if installed in their 
functioning locations and, if necessary for 
operation, connected to a power source: 
(1) Central air conditioners; 
(2) Cisterns and the water in them; 
(3) Drywall for walls and ceilings in a basement 
and the cost of labor to nail it, unfinished and 
unfloated and not taped, to the framing; 
(4) Electrical junction and circuit breaker boxes; 
(5) Electrical outlets and switches; 
(6) Elevators, dumbwaiters, and related equipment, except for related equipment installed 
below the base flood elevation after 
September 30, 1987; 
(7) Fuel tanks and the fuel in them; 
(8) Furnaces and hot water heaters; 
(9) Heat pumps; 
(10) Nonflammable insulation in a basement; 
(11) Pumps and tanks used in solar energy 
systems; 
(12) Stairways and staircases attached to the 
building, not separated from it by elevated 
walkways; 
(13) Sump pumps; 
(14) Water softeners and the chemicals in them, 
water filters, and faucets installed as an 
integral part of the plumbing system; 
(15) Well water tanks and pumps; 
(16) Required utility connections for any item in 
this list; and 
(17) Footings, foundations, posts, pilings, piers, 
or other foundation walls and anchorage 
systems required to support a building. 
b. Clean-up. 
B. COVERAGE B - PERSONAL PROPERTY 
1. If you have purchased personal property coverage, 
we insure, subject to B.2., 3., and 4. below, against 
direct physical loss by or from flood to personal 
property inside a fully enclosed insured building: 
a. Owned solely by you, or in the case of a 
condominium, owned solely by the condominium association and used exclusively in 
the conduct of the business affairs of the 
condominium association; or 
b. Owned in common by the unit owners of the 
condominium association. 
We also insure such personal property for 45 days 
while stored at a temporary location, as set forth in 

III.C.2.b. Property Removed to Safety. 
Page 4 of 18 
POL 26 May 1, 2008 


2. When this policy covers personal property, coverage 
will be either for household personal property or other 
than household personal property, while within the 
insured building, but not both. 
a. If this policy covers household personal property, 
it will insure household personal property usual to 
a living quarters, that: 
(1) Belongs to you, or a member of your 
household, or at your option: 
(a) Your domestic worker; 
(b) Your guest; or 
(2) You may be legally liable for. 
b. If this policy covers other than household 
personal property, it will insure your: 
(1) Furniture and fixtures; 
(2) Machinery and equipment; 
(3) Stock; and 
(4) Other personal property owned by you and 
used in your business, subject to IV. 
Property Not Covered. 
3. Coverage for personal property includes the following 
property, subject to B.1.a. and B.1.b. above, which is 
covered under Coverage B only: 
a. Air conditioning units installed in the building; 
b. Carpet, not permanently installed, over 
unfinished flooring; 
c. Carpets over finished flooring; 
d. Clothes washers and dryers; 
e. "Cook-out" grills; 
f. Food freezers, other than walk-in, and food in 
any freezer; 
g. Outdoor equipment and furniture stored inside 
the insured building; 
h. Ovens and the like; and 
i. Portable microwave ovens and portable 
dishwashers. 
4. Coverage for items of property in a building 
enclosure below the lowest elevated floor of an 
elevated post-FIRM building located in Zones A1A30, AE, AH, AR, AR/A, AR/AE, AR/AH, AR/A1-A30, 
V1-V30, or VE, or in a basement, regardless of the 
zone, is limited to the following items, if installed in 
their functioning locations and, if necessary for 
operation, connected to a power source: 
a. Air conditioning units, portable or window type; 
b. Clothes washers and dryers; and 
c. Food freezers, other than walk-in, and food in 
any freezer. 
5. Special Limits. We will pay no more than $2,500 for 
any loss to one or more of the following kinds of 
personal property: 
a. Artwork, photographs, collectibles, 
memorabilia, including but not limitedporcelain or other figures, and sports cards; 
or 
to, 
b. Rare books or autographed items; 

c. Jewelry, watches, precious and semiprecious 
stones, or articles of gold, silver, or platinum; 
d. Furs or any article containing fur which 
represents its principal value. 
6. We will pay only for the functional value of antiques. 
7. If you are a tenant, you may apply up to 10 percent of 
the Coverage B limit to improvements: 
a. Made a part of the building you occupy; and 
b. You acquired or made at your expense, even 
though you cannot legally remove them. 
This coverage does not increase the amount of 
insurance that applies to insured personal property. 

8. If you are a condominium unit owner, you may apply 
up to 10 percent of the Coverage B limit to cover loss 
to interior: 
a. Walls; 
b. Floors; and 
c. Ceilings; 
that are not covered under a policy issued to the 
condominium association insuring the condominium building. 

This coverage does not increase the amount of 
insurance that applies to insured personal property. 

9. If you are a tenant, personal property must be inside 
the fully enclosed building. 
C. COVERAGE C - OTHER COVERAGES 
1. Debris Removal 
a. We will pay the expense to remove non-owned 
debris on or in insured property and owned 
debris anywhere. 
b. If you or a member of your household perform 
the removal work, the value of your work will be 
based on the Federal minimum wage. 
c. This coverage does not increase the Coverage A 
or Coverage B limit of liability. 
Page 5 of 18 
POL 27 May 1, 2008 


2. Loss Avoidance Measures (2) If you move insured property to a location 
other than the described location that 
a. Sandbags, Supplies, and Labor contains the property, in order to protect it 
from flood or the imminent danger of flood, 
(1) We will pay up to $1,000 for the costs you 
incur to protect the insured building from a 
flood or imminent danger of flood, for the 
we will cover such property while at that 
location for a period of 45 consecutive days 
from the date you begin to move it there. The 
following: personal property that is moved must be 
(a) Your reasonable expenses to buy: 
placed in a fully enclosed building or 
otherwise reasonably protected from the 
elements. 
(i) Sandbags, including sandthem; 
to fill 
Any property removed, including 
home described in II.B.6.b. and 
a moveable 
c., must be 
(ii) Fill for temporary levees; 
(iii) Pumps; and 
placed above ground level or outside of the 
special flood hazard area. 
This coverage does not increase the Coverage A 
(iv) Plastic sheeting and lumber used in 
connection with these items; and 
or Coverage B limit of liability. 
(b) The value of work, at the Federal 
minimum wage, that you perform. 
3. Pollution Damage 
We will pay for damage caused by pollutants to 
covered property if the discharge, seepage, migration, 
(2) This coverage for Sandbags, Supplies, and 
Labor only applies if damage to insured 
release, or escape of the pollutants is caused by or 
results from flood. The most we will pay under this 
property by or from flood is imminent and coverage is $10,000. This coverage does not 
the threat of flood damage is apparent increase the Coverage A or Coverage B limits of 
enough to lead a person of common 
prudence to anticipate flood damage. One 
liability. Any payment under this provision when 
combined with all other payments for the same loss 
of the following must also occur: cannot exceed the replacement cost or actual cash 
value, as appropriate, of the covered property. This 
(a) A general and temporary condition of 
flooding in the area near the described 
location must occur, even if the flood 
coverage does not include the testing for or the 
monitoring of pollutants unless required by law or 
ordinance. 
does not reach the insured building; or 
D. COVERAGE D - INCREASED COST OF COMPLIANCE 
(b) A legally authorized official must issue 
an evacuation order or other civil order 1. General 
for the community in which the insured 
building is located calling for measures 
to preserve life and property from the 
peril of flood. 
This policy pays you to comply 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 
This coverage does not increase the Coverage A are: elevation, floodproofing, relocation, or demolition 
or Coverage B limit of liability. (or any combination of these activities) of your 
b. Property Removed to Safety 
structure. 
to: 
Eligible floodproofing activities are limited 
(1) We will pay up to $1,000 for the reasonable 
expenses you incur to move insured property 
a. Nonresidential structures. 
to a place other than the described location b. Residential structures with basements that 
that contains the property in order to protect satisfy FEMA's standards published in the Code 
it from flood or the imminent danger of of Federal Regulations [44 CFR 60.6 (b) or (c)]. 
flood. 
Reasonable expenses include the value of 
2. Limit of Liability 
work, at the Federal minimum wage, that you We will pay you up to $30,000 under this Coverage D 
perform. - Increased Cost of Compliance, which only applies to 
policies with building coverage (Coverage A). 

Page 6 of 18 
POL 28 May 1, 2008 


Our payment of claims under Coverage D is in 
addition to the amount of coverage which you 
selected on the application and which appears on 
the Declarations Page. But the maximum you can 
collect under this policy for both Coverage A -
Building Property and Coverage D - Increased Cost of 
Compliance cannot exceed the maximum permitted 
under the Act. We do not charge a separate 
deductible for a claim under Coverage D. 

3. Eligibility 
a. A structure covered under Coverage A - Building 
Property sustaining a loss caused by a flood as 
defined by this policy must: 
(1) Be a "repetitive loss structure." A repetitive 
loss structure is one that meets the following 
conditions: 
(a) The structure is covered by a contract of 
flood insurance issued under the NFIP. 
(b) The structure has suffered flood 
damage on two occasions during a 10year period which ends on the date of 
the second loss. 
(c) The cost to repair the flood damage, on 
average, equaled or exceeded 25 
percent of the market value of the 
structure at the time of each flood loss. 
(d) In addition to the current claim, the NFIP 
must have paid the previous qualifying 
claim, and the State or community must 
have a cumulative, substantial damage 
provision or repetitive loss provision in 
its floodplain management law or 
ordinance being enforced against the 
structure; or 
(2) Be a structure that has had flood damage in 
which the cost to repair equals or exceeds 
50 percent of the market value of the 
structure at the time of the flood. The State 
or community must have a substantial 
damage provision in its floodplain 
management law or ordinance being 
enforced against the structure. 
b. This Coverage D pays you to comply with State 
or local floodplain management laws or 
ordinances that meet the minimum standards of 
the National Flood Insurance Program found in 
the Code of Federal Regulations at 44 CFR 60.3. 
We pay for compliance activities that exceed 
those standards under these conditions: 
(1) 3.a.(1) above. 
(2) Elevation or floodproofing in any risk zone to 
preliminary or advisory base flood 
elevations provided by FEMA which the 
State or local government has adopted and 
is enforcing for flood-damaged structures in 
such areas. (This includes compliance 
activities in B, C, X, or D zones which are 
being changed to zones with base flood 
elevations. This also includes compliance 
activities in zones where base flood 
elevations are being increased, and a flood-
damaged structure must comply with the 
higher advisory base flood elevation.) 
Increased Cost of Compliance coverage 
does not apply to situations in B, C, X, or D 
zones where the community has derived its 
own elevations and is enforcing elevation or 
floodproofing requirements for flood-
damaged structures to elevations derived 
solely by the community. 

(3) Elevation or floodproofing above the base 
flood elevation to meet State or local 
"freeboard" requirements, i.e., that a 
structure must be elevated above the base 
flood elevation. 
c. Under the minimum NFIP criteria at 44 CFR 60.3 
(b)(4), States and communities must require the 
elevation or floodproofing of structures in 
unnumbered A zones to the base flood elevation 
where elevation data is obtained from a Federal, 
State, or other source. Such compliance activities 
are also eligible for Coverage D. 
d. This coverage will also pay for the incremental 
cost, after demolition or relocation, of elevating or 
floodproofing a structure during its rebuilding at 
the same or another site to meet State or local 
floodplain management laws or ordinances, 
subject to Exclusion D.5.g. below. 
e. This coverage will also pay to bring a flood-
damaged structure into compliance with State or 
local floodplain management laws or ordinances 
even if the structure had received a variance 
before the present loss from the applicable 
floodplain management requirements. 
4. Conditions 
a. When a structure covered under Coverage A -
Building Property sustains a loss caused by a 
flood, our payment for the loss under this 
Coverage D will be for the increased cost to 
elevate, floodproof, relocate, or demolish (or any 
combination of these activities) caused by the 
enforcement of current State or local floodplain 
management ordinances or laws. Our payment 
for eligible demolition activities will be for the cost 
to demolish and clear the site of the building 
debris or a portion thereof caused by the 
Page 7 of 18 
POL 29 May 1, 2008 


enforcement of current State or local floodplain 
management ordinances or laws. Eligible activities 
for the cost of clearing the site will include those 
necessary to discontinue utility service to the site 
and ensure proper abandonment of on-site 
utilities. 

b. When the building is repaired or rebuilt, it must be 
intended for the same occupancy as the present 
building unless otherwise required by current 
floodplain management ordinances or laws. 
5. Exclusions 
Under this Coverage D - Increased Cost of Compliance 
we will not pay for: 

a. The cost to comply with any floodplain 
management law or ordinance in communities 
participating in the Emergency Program. 
b. The cost associated with enforcement of any 
ordinance or law that requires any insured or 
others to test for, monitor, clean up, remove, 
contain, treat, detoxify or neutralize, or in any way 
respond to, or assess the effects of pollutants. 
c. The loss in value to any insured building or other 
structure due to the requirements of any ordinance 
or law. 
d. The loss in residual value of the undamaged 
portion of a building demolished as a consequence of enforcement of any State or local 
floodplain management law or ordinance. 
e. Any Increased Cost of Compliance under this 
Coverage D: 
(1) Until the building is elevated, floodproofed, 
demolished, or relocated on the same or to 
another premises; and 
(2) Unless the building is elevated, flood-proofed, 
demolished, or relocated as soon as 
reasonably possible after the loss, not to 
exceed 2 years. 
f. Any code upgrade requirements, e. g., plumbing or 
electrical wiring, not specifically related to the State 
or local floodplain management law or ordinance. 
g. Any compliance activities needed to bring 
additions or improvements made after the loss 
occurred into compliance with State or local 
floodplain management laws or ordinances. 
h. Loss due to any ordinance or law that you were 
required to comply with before the current loss. 
i. Any rebuilding activity to standards that do not 
meet the NFIP's minimum requirements. This 
includes any situation where the insured has 
received from the State or community a variance 
in connection with the current flood loss to rebuild 
the property to an elevation below the base flood 
elevation. 
j. Increased Cost of Compliance for a garage or 
carport. 
k. Any structure insured under an NFIP Group Flood 
Insurance Policy. 
l. Assessments made by a condominium 
association on individual condominium unit 
owners to pay increased costs of repairing 
commonly owned buildings after a flood in 
compliance with State or local floodplain 
management ordinances or laws. 
6. Other Provisions 
All other conditions and provisions of this policy 
apply. 

IV. PROPERTY NOT COVERED 
We do not cover any of the following property: 4. Recreational vehicles other than travel trailers 
described in II.B.6.c., whether affixed to a permanent 

1. Personal property not inside the fully enclosed foundation or on wheels; 
building; 
5. Self-propelled vehicles or machines, including their 
2. A building, and personal property in it, located parts and equipment. However, we do cover self-
entirely in, on, or over water or seaward of mean high propelled vehicles or machines not licensed for use 
tide, if it was constructed or substantially improved on public roads that are: 
after September 30, 1982; 
a. Used mainly to service the described location, 
3. Open structures, including a building used as a or 
boathouse or any structure or building into which 
boats are floated, and personal property located in, 
on, or over water; 
Page 8 of 18 
POL 30 May 1, 2008 


b. Designed and used to assist handicapped 
persons, 
while the vehicles or machines are inside a building 
at the described location; 

6. Land, land values, lawns, trees, shrubs, plants, 
growing crops, or animals; 
7. Accounts, bills, coins, currency, deeds, evidences of 
debt, medals, money, scrip, stored value cards, 
postage stamps, securities, bullion, manuscripts, or 
other valuable papers; 
8. Underground structures and equipment, including 
wells, septic tanks, and septic systems; 
9. Those portions of walks, walkways, decks, driveways, 
patios, and other surfaces, all whether protected by a 
roof or not, located outside the perimeter, exterior 
walls of the insured building; 
10. Containers, including related equipment, such as, but 
not limited to, tanks containing gases or liquids; 
11. Buildings or units and all their contents if more than 
49 percent of the actual cash value of the building 
or unit is below ground, unless the lowest level is at 
or above the base flood elevation and is below 
ground by reason of earth having been used as 
insulation material in conjunction with energy efficient 
building techniques; 

12. Fences, retaining walls, seawalls, bulkheads, 
wharves, piers, bridges, and docks; 
13. Aircraft or watercraft, or their furnishings and 
equipment; 
14. Hot tubs and spas that are not bathroom fixtures, and 
swimming pools, and their equipment such as, but not 
limited to, heaters, filters, pumps, and pipes, wherever 
located; 
15. Property not eligible for flood insurance pursuant to 
the provisions of the Coastal Barrier Resources Act 
and the Coastal Barrier Improvement Act of 1990 and 
amendments to these acts; 
16. Personal property owned by or in the care, custody, 
or control of a unit owner, except for property of the 
type and under the circumstances set forth under 
Coverage B - Personal Property; 
17. A residential condominium building located in a 
Regular Program community. 
V. EXCLUSIONS 
A. We only provide coverage for direct physical loss 
by or from flood, which means that we do not pay 
you for: 
1. Loss of revenue or profits; 
2. Loss of access to the insured property or described 
location; 
3. Loss of use of the insured property or described 
location; 
4. Loss from interruption of business or production; 
5. Any additional living expenses incurred while the 
insured building is being repaired or is unable to be 
occupied for any reason; 
6. The cost of complying with any ordinance or law 
requiring or regulating the construction, demolition, 
remodeling, renovation, or repair of property, 
including removal of any resulting debris. This 
exclusion does not apply to any eligible activities that 
we describe in Coverage D - Increased Cost of 
Compliance; or 
7. Any other economic loss. 
B. We do not insure a loss directly or indirectly caused 
by a flood that is already in progress at the date and 
time: 
1. The policy term begins; or 
2. Coverage is added at your request. 
C. We do not insure for loss to property caused directly 
by earth movement even if the earth movement is 
caused by flood. Some examples of earth movement 
that we do not cover are: 
1. Earthquake; 
2. Landslide; 
3. Land subsidence; 
4. Sinkholes; 
5. Destabilization or movement of land that results from 
accumulation of water in subsurface land areas; or 
Page 9 of 18 
POL 31 May 1, 2008 


6. Gradual erosion. b. Discharges or overflows from a sump, sump 
pump, or related equipment; or 
We do, however, pay for losses from mudflow and land 
subsidence as a result of erosion that are specifically c. Seeps or leaks on or through insured property; 
covered under our definition of flood (see II.A.1.c. and 
II.A.2.). unless there is a flood in the area and the flood is the 

proximate cause of the sewer or drain backup, sump 

D. We do not insure for direct physical loss caused pump discharge or overflow, or the seepage of water; 
directly or indirectly by: 
6. The pressure or weight of water unless there is a 
1. The pressure or weight of ice; flood in the area and the flood is the proximate 
2. Freezing or thawing; cause of the damage from the pressure or weight of 
water; 
3. Rain, snow, sleet, hail, or water spray; 
7. Power, heating, or cooling failure unless the failure 
4. Water, moisture, mildew, or mold damage that results results from direct physical loss by or from flood to 
primarily from any condition: power, heating, or cooling equipment situated on the 
described location; 

a. Substantially confined to the insured building; or 
8. Theft, fire, explosion, wind, or windstorm; 
b. That is within your control including, but not 
limited to: 9. Anything you or your agent do or conspire to do to 
cause loss by flood deliberately; or 

(1) Design, structural, or mechanical defects; 
10. Alteration of the insured property that significantly 
(2) Failure, stoppage, or breakage of water or increases the risk of flooding. 
sewer lines, drains, pumps, fixtures, or 
equipment; or E. We do not insure for loss to any building or personal 
property located on land leased from the Federal 

(3) Failure to inspect and maintain the property Government, arising from or incident to the flooding of 
after a flood recedes; the land by the Federal Government, where the lease 
expressly holds the Federal Government harmless 

5. Water or waterborne material that: under flood insurance issued under any Federal 
Government program. 
a. Backs up through sewers or drains; 
VI. DEDUCTIBLES 
A. When a loss is covered under this policy, we will pay 
only that part of the loss that exceeds the applicable 
deductible amount, subject to the limit of liability that 
applies. The deductible amount is shown on the 
Declarations Page. 
However, when a building under construction, 
alteration, or repair does not have at least two rigid 
exterior walls and a fully secured roof at the time of 
loss, your deductible amount will be two times the 
deductible that would otherwise apply to a completed 
building. 

B. In each loss from flood, separate deductibles apply to 
the building and personal property insured by this 
policy. 
C. No deductible applies to: 
1. III.C.2. Loss Avoidance Measures; or 
2. III.D. Increased Cost of Compliance. 
VII. GENERAL CONDITIONS 
A. Pairs and Sets 1. An amount equal to the cost of replacing the lost, 
damaged, or destroyed article, less depreciation; or 
In case of loss to an article that is part of a pair or set, we 
will have the option of paying you: 2. An amount that represents the fair proportion of the 

total value of the pair or set that the lost, damaged, or 
destroyed article bears to the pair or set. 

Page 10 of 18 

POL 32 May 1, 2008 


B. Concealment or Fraud and Policy Voidance 
1. With respect to all insureds under this policy, this 
policy: 
a. Is void; 
b. Has no legal force or effect; 
c. Cannot be renewed; and 
d. Cannot be replaced by a new NFIP policy; 
if, before or after a loss, you or any other insured or 
your agent have at any time: 

(1) Intentionally concealed or misrepresented 
any material fact or circumstance; 
(2) Engaged in fraudulent conduct; or 
(3) Made false statements; 
relating to this policy or any other NFIP 
insurance. 

2. This policy will be void as of the date the wrongful 
acts described in B.1. above were committed. 
3. Fines, civil penalties, and imprisonment under 
applicable Federal laws may also apply to the acts of 
fraud or concealment described above. 
4. This policy is also void for reasons other than fraud, 
misrepresentation, or wrongful act. This policy is void 
from its inception and has no legal force under the 
following conditions: 
a. If the property is located in a community that was 
not participating in the NFIP on the policy's 
inception date and did not join or reenter the 
program during the policy term and before the 
loss occurred; or 
b. If the property listed on the application is 
otherwise not eligible for coverage under the 
NFIP. 
C. Other Insurance 
1. If a loss covered by this policy is also covered by 
other insurance that includes flood coverage not 
issued under the Act, we will not pay more than the 
amount of insurance that you are entitled to for lost, 
damaged, or destroyed property insured under this 
policy subject to the following: 
a. We will pay only the proportion of the loss that 
the amount of insurance that applies under this 
policy bears to the total amount of insurance 
covering the loss, unless C.1.b. or c. immediately 
below applies. 
b. If the other policy has a provision stating that it is 
excess insurance, this policy will be primary. 
c. This policy will be primary (but subject to its own 
deductible) up to the deductible in the other flood 
policy (except another policy as described in 
C.1.b. above). When the other deductible amount 
is reached, this policy will participate in the same 
proportion that the amount of insurance under 
this policy bears to the total amount of both 
policies, for the remainder of the loss. 
2. If this policy covers a condominium association 
and there is a flood insurance policy in the name of a 
unit owner that covers the same loss as this policy, 
then this policy will be primary. 
D. Amendments, Waivers, Assignment 
This policy cannot be changed nor can any of its 
provisions be waived without the express written consent 
of the Federal Insurance Administrator. No action that we 
take under the terms of this policy can constitute a waiver 
of any of our rights. You may assign this policy in writing 
when you transfer title of your property to someone else, 
except under these conditions: 

1. When this policy covers only personal property; or 
2. When this policy covers a structure during the course 
of construction. 
E. Cancellation of Policy by You 
1. You may cancel this policy in accordance with the 
applicable rules and regulations of the NFIP. 
2. If you cancel this policy, you may be entitled to a full 
or partial refund of premium also under the applicable 
rules and regulations of the NFIP. 
F. Nonrenewal of the Policy by Us 
Your policy will not be renewed: 

1. If the community where your covered property is 
located stops participating in the NFIP; or 
2. If your building has been declared ineligible under 
Section 1316 of the Act. 
G. Reduction and Reformation of Coverage 
1. If the premium we received from you was not enough 
to buy the kind and amount of coverage you 
requested, we will provide only the amount of 
coverage that can be purchased for the premium 
payment we received. 
Page 11 of 18 
POL 33 May 1, 2008 


2. The policy can be reformed to increase the amount 
of coverage resulting from the reduction described in 
G.1. above to the amount you requested as follows: 
a. Discovery of insufficient premium or incomplete 
rating information before a loss. 
(1) If we discover before you have a flood loss 
that your premium payment was not enough 
to buy the requested amount of coverage, 
we will send you and any mortgagee or 
trustee known to us a bill for the required 
additional premium for the current policy 
term (or that portion of the current policy 
term following any endorsement changing 
the amount of coverage). If you or the 
mortgagee or trustee pay the additional 
premium within 30 days from the date of our 
bill, we will reform the policy to increase the 
amount of coverage to the originally 
requested amount effective to the beginning 
of the current policy term (or subsequent 
date of any endorsement changing the 
amount of coverage). 
(2) If we determine before you have a flood loss 
that the rating information we have is 
incomplete and prevents us from calculating 
the additional premium, we will ask you to 
send the required information. You must 
submit the information within 60 days of our 
request. Once we determine the amount of 
additional premium for the current policy 
term, we will follow the procedure in 
G.2.a.(1) above. 
(3) If we do not receive the additional premium 
(or additional information) by the date it is 
due, the amount of coverage can only be 
increased by endorsement subject to any 
appropriate waiting period. 
b. Discovery of insufficient premium or incomplete 
rating information after a loss. 
(1) If we discover after you have a flood loss 
that your premium payment was not enough 
to buy the requested amount of coverage, 
we will send you and any mortgagee or 
trustee known to us a bill for the required 
additional premium for the current and the 
prior policy terms. If you or the mortgagee 
or trustee pay the additional premium within 
30 days from the date of our bill, we will 
reform the policy to increase the amount of 
coverage to the originally requested amount 
effective to the beginning of the prior policy 
term. 
(2) If we discover after you have a flood loss 
that the rating information we have is 
incomplete and prevents us from calculating 
the additional premium, we will ask you to 
send the required information. You must 
submit the information before your claim can 
be paid. Once we determine the amount of 
additional premium for the current and prior 
policy terms, we will follow the procedure in 
G.2.b.(1) above. 

(3) If we do not receive the additional premium 
by the date it is due, your flood insurance 
claim will be settled based on the reduced 
amount of coverage. The amount of 
coverage can only be increased by 
endorsement subject to any appropriate 
waiting period. 
3. However, if we find that you or your agent 
intentionally did not tell us, or falsified, any important 
fact or circumstance or did anything fraudulent 
relating to this insurance, the provisions of Condition 
B. Concealment or Fraud and Policy Voidance apply. 
H. Policy Renewal 
1. This policy will expire at 12:01 a.m. on the last day of 
the policy term. 
2. We must receive the payment of the appropriate 
renewal premium within 30 days of the expiration 
date. 
3. If we find, however, that we did not place your 
renewal notice into the U.S. Postal Service, or if we 
did mail it, we made a mistake, e.g., we used an 
incorrect, incomplete, or illegible address, which 
delayed its delivery to you before the due date for the 
renewal premium, then we will follow these 
procedures: 
a. If you or your agent notified us, not later than one 
year after the date on which the payment of the 
renewal premium was due, of nonreceipt of a 
renewal notice before the due date for the 
renewal premium, and we determine that the 
circumstances in the preceding paragraph apply, 
we will mail a second bill providing a revised due 
date, which will be 30 days after the date on 
which the bill is mailed. 
b. If we do not receive the premium requested in the 
second bill by the revised due date, then we will 
not renew the policy. In that case, the policy will 
remain an expired policy as of the expiration 
date shown on the Declarations Page. 
4. In connection with the renewal of this policy, we may 
ask you during the policy term to recertify, on a 
Recertification Questionnaire that we will provide to 
you, the rating information used to rate your most 
recent application for or renewal of insurance. 
I. Conditions Suspending or Restricting Insurance 
We are not liable for loss that occurs while there is a hazard 
that is increased by any means within your control or 
knowledge. 

Page 12 of 18 
POL 34 May 1, 2008 


J. Requirements in Case of Loss 
In case of a flood loss to insured property, you must: 

1. Give prompt written notice to us; 
2. As soon as reasonably possible, separate the 
damaged and undamaged property, putting it in the 
best possible order so that we may examine it; 
3. Prepare an inventory of damaged property showing 
the quantity, description, actual cash value, and 
amount of loss. Attach all bills, receipts, and related 
documents; 
4. Within 60 days after the loss, send us a proof of loss, 
which is your statement of the amount you are 
claiming under the policy signed and sworn to by 
you, and which furnishes us with the following 
information: 
a. The date and time of loss; 
b. A brief explanation of how the loss happened; 
c. Your interest (for example, "owner") and the 
interest, if any, of others in the damaged 
property; 
d. Details of any other insurance that may cover the 
loss; 
e. Changes in title or occupancy of the insured 
property during the term of the policy; 
f. Specifications of damaged buildings and 
detailed repair estimates; 
g. Names of mortgagees or anyone else having a 
lien, charge, or claim against the insured 
property; 
h. Details about who occupied any insured building 
at the time of loss and for what purpose; and 
i. The inventory of damaged property described in 
J.3. above. 
5. In completing the proof of loss, you must use your 
own judgment concerning the amount of loss and 
justify that amount. 
6. You must cooperate with the adjuster or 
representative in the investigation of the claim. 
7. The insurance adjuster whom we hire to investigate 
your claim may furnish you with a proof of loss form, 
and she or he may help you complete it. However, 
this is a matter of courtesy only, and you must still 
send us a proof of loss within 60 days after the loss 
even if the adjuster does not furnish the form or help 
you complete it. 
8. We have not authorized the adjuster to approve or 
disapprove claims or to tell you whether we will 
approve your claim. 
9. At our option, we may accept the adjuster's report of 
the loss instead of your proof of loss. The adjuster's 
report will include information about your loss and the 
damages you sustained. You must sign the adjuster's 
report. At our option, we may require you to swear to 
the report. 
K. Our Options After a Loss 
Options we may, in our sole discretion, exercise after loss 
include the following: 

1. At such reasonable times and places that we may 
designate, you must: 
a. Show us or our representative the damaged 
property; 
b. Submit to examination under oath, while not in 
the presence of another insured, and sign the 
same; and 
c. Permit us to examine and make extracts and 
copies of: 
(1) Any policies of property insurance insuring 
you against loss and the deed establishing 
your ownership of the insured real property; 
(2) Condominium association documents 
including the Declarations of the 
condominium, its Articles of Association or 
Incorporation, Bylaws, and rules and 
regulations; and 
(3) All books of accounts, bills, invoices and 
other vouchers, or certified copies pertaining 
to the damaged property if the originals are 
lost. 
2. We may request, in writing, that you furnish us with a 
complete inventory of the lost, damaged, or destroyed 
property, including: 
a. Quantities and costs; 
b. Actual cash values; 
c. Amounts of loss claimed; 
d. Any written plans and specifications for repair of 
the damaged property that you can reasonably 
make available to us; and 
e. Evidence that prior flood damage has been 
repaired. 
3. If we give you written notice within 30 days after we 
receive your signed, sworn proof of loss, we may: 
Page 13 of 18 
POL 35 May 1, 2008 


a. Repair, rebuild, or replace any part of the lost, 
damaged, or destroyed property with material or 
property of like kind and quality or its functional 
equivalent; and 
b. Take all or any part of the damaged property at 
the value we agree upon or its appraised value. 
L. No Benefit to Bailee 
No person or organization, other than you, having custody 
of covered property will benefit from this insurance. 

M. Loss Payment 
1. We will adjust all losses with you. We will pay you 
unless some other person or entity is named in the 
policy or is legally entitled to receive payment. Loss 
will be payable 60 days after we receive your proof of 
loss (or within 90 days after the insurance adjuster 
files an adjusters report signed and sworn to by you 
in lieu of a proof of loss) and: 
a. We reach an agreement with you; 
b. There is an entry of a final judgment; or 
c. There is a filing of an appraisal award with us, as 
provided in VII.P. 
2. If we reject your proof of loss in whole or in part you 
may: 
a. Accept such denial of your claim; 
b. Exercise your rights under this policy; or 
c. File an amended proof of loss, as long as it is 
filed within 60 days of the date of the loss. 
N. Abandonment 
You may not abandon damaged or undamaged insured 
property to us. 

O. Salvage 
We may permit you to keep damaged insured property 
after a loss, and we will reduce the amount of the loss 
proceeds payable to you under the policy by the value of 
the salvage. 

P. Appraisal 
If you and we fail to agree on the actual cash value of the 
damaged property so as to determine the amount of loss, 
either may demand an appraisal of the loss. In this event, 
you and we will each choose a competent and impartial 
appraiser within 20 days after receiving a written request 
from the other. The two appraisers will choose an umpire. 
If they cannot agree upon an umpire within 15 days, you 
or we may request that the choice be made by a judge of 
a court of record in the State where the insured property is 

located. The appraisers will separately state the actual 
cash value and the amount of loss to each item. If the 
appraisers submit a written report of an agreement to us, 
the amount agreed upon will be the amount of loss. If they 
fail to agree, they will submit their differences to the 
umpire. A decision agreed to by any two will set the 
amount of actual cash value and loss. 

Each party will: 

1. Pay its own appraiser; and 
2. Bear the other expenses of the appraisal and umpire 
equally. 
Q. Mortgage Clause 
The word "mortgagee" includes trustee. 

Any loss payable under Coverage A- Building Property 
will be paid to any mortgagee of whom we have actual 
notice as well as any other mortgagee or loss payee 
determined to exist at the time of loss, and you, as 
interests appear. If more than one mortgagee is named, 
the order of payment will be the same as the order of 
precedence of the mortgages. 

If we deny your claim, that denial will not apply to a valid 
claim of the mortgagee, if the mortgagee: 

1. Notifies us of any change in the ownership or 
occupancy, or substantial change in risk of which the 
mortgagee is aware; 
2. Pays any premium due under this policy on demand 
if you have neglected to pay the premium; and 
3. Submits a signed, sworn proof of loss within 60 days 
after receiving notice from us of your failure to do so. 
All of the terms of this policy apply to the mortgagee. 

The mortgagee has the right to receive loss payment even 
if the mortgagee has started foreclosure or similar action 
on the building. 

If we decide to cancel or not renew this policy, it will 
continue in effect for the benefit of the mortgagee only for 
30 days after we notify the mortgagee of the cancellation 
or nonrenewal. 

If we pay the mortgagee for any loss and deny payment to 
you, we are subrogated to all the rights of the mortgagee 
granted under the mortgage on the property. Subrogation 
will not impair the right of the mortgagee to recover the full 
amount of the mortgagee's claim. 

R. Suit Against Us 
You may not sue us to recover money under this policy 
unless you have complied with all the requirements of the 
policy. If you do sue, you must start the suit within one 
year of the date of the written denial of all or part of the 

Page 14 of 18 
POL 36 May 1, 2008 


claim, and you must file the suit in the United States 
District Court of the district in which the insured property 
was located at the time of loss. This requirement applies 
to any claim that you may have under this policy and to 
any dispute that you may have arising out of the handling 
of any claim under the policy. 

S. Subrogation 
Whenever we make a payment for a loss under this 
policy, we are subrogated to your right to recover for that 
loss from any other person. That means that your right to 
recover for a loss that was partly or totally caused by 
someone else is automatically transferred to us, to the 
extent that we have paid you for the loss. We may require 
you to acknowledge this transfer in writing. After the loss, 
you may not give up our right to recover this money or do 
anything that would prevent us from recovering it. If you 
make any claim against any person who caused your loss 
and recover any money, you must pay us back first before 
you may keep any of that money. 

T. Continuous Lake Flooding 
1. If your insured building has been flooded by rising 
lake waters continuously for 90 days or more and it 
appears reasonably certain that a continuation of this 
flooding will result in a covered loss to the insured 
building equal to or greater than the building policy 
limits plus the deductible or the maximum payable 
under the policy for any one building loss, we will 
pay you the lesser of these two amounts without 
waiting for the further damage to occur if you sign a 
release agreeing: 
a. To make no further claim under this policy; 
b. Not to seek renewal of this policy; 
c. Not to apply for any flood insurance under the 
Act for property at the described location; and 
d. Not to seek a premium refund for current or prior 
terms. 
If the policy term ends before the insured building 
has been flooded continuously for 90 days, the 
provisions of this paragraph T.1. will apply when the 
insured building suffers a covered loss before the 
policy term ends. 

2. If your insured building is subject to continuous lake 
flooding from a closed basin lake, you may elect to file 
a claim under either paragraph T.1. above or this 
paragraph T.2. (A "closed basin lake" is a natural lake 
from which water leaves primarily through evaporation 
and whose surface area now exceeds or has exceeded 
one square mile at any time in the recorded past. Most 
of the nation's closed basin lakes are in the western 
half of the United States, where annual evaporation 
exceeds annual precipitation and where lake levels and 
surface areas are subject to considerable fluctuation 
due to wide variations in the climate. These lakes may 
overtop their basins on rare occasions.) Under this 
paragraph T.2. we will pay your claim as if the building 
is a total loss even though it has not been continuously 
inundated for 90 days, subject to the following 
conditions: 

a. Lake flood waters must damage or imminently 
threaten to damage your building. 
b. Before approval of your claim, you must: 
(1) Agree to a claim payment that reflects your 
buying back the salvage on a negotiated 
basis; and 
(2) Grant the conservation easement described in 
FEMA's "Policy Guidance for Closed Basin 
Lakes," to be recorded in the office of the local 
recorder of deeds. FEMA, in consultation with 
the community in which the property is 
located, will identify on a map an area or 
areas of special consideration (ASC) in which 
there is a potential for flood damage from 
continuous lake flooding. FEMA will give the 
community the agreed-upon map showing the 
ASC. This easement will only apply to that 
portion of the property in the ASC. It will allow 
certain agricultural and recreational uses of 
the land. The only structures that it will allow 
on any portion of the property within the ASC 
are certain simple agricultural and recreational 
structures. If any of these allowable structures 
are insurable buildings under the NFIP and 
are insured under the NFIP, they will not be 
eligible for the benefits of this paragraph T.2. 
If a U.S. Army Corps of Engineers certified 
flood control project or otherwise certified 
flood control project later protects the 
property, FEMA will, upon request, amend the 
ASC to remove areas protected by those 
projects. The restrictions of the easement will 
then no longer apply to any portion of the 
property removed from the ASC; and 
(3) Comply with paragraphs T.1.a. through T.1.d. 
above. 
c. Within 90 days of approval of your claim, you must 
move your building to a new location outside the 
ASC. FEMA will give you an additional 30 days to 
move if you show that there is sufficient reason to 
extend the time. 
d. Before the final payment of your claim, you must 
acquire an elevation certificate and a floodplain 
development permit from the local floodplain 
administrator for the new location of your building. 
e. Before the approval of your claim, the community 
having jurisdiction over your building must: 
Page 15 of 18 
POL 37 May 1, 2008 


(1) Adopt a permanent land use ordinance, or a 
temporary moratorium for a period not to 
exceed 6 months to be followed immediately 
by a permanent land use ordinance, that is 
consistent with the provisions specified for 
the easement required in paragraph T.2.b. 
above; 
(2) Agree to declare and report any violations of 
this ordinance to FEMA so that under Section 
1316 of the National Flood Insurance Act of 
1968, as amended, flood insurance to the 
building can be denied; and 
(3) Agree to maintain as deed-restricted, for 
purposes compatible with open space or 
agricultural or recreational use only, any 
affected property the community acquires an 
interest in. These deed restrictions must be 
consistent with the provisions of paragraph 
T.2.b. above, except that, even if a certified 
project protects the property, the land use 
restrictions continue to apply if the property 
was acquired under the Hazard Mitigation 
Grant Program or the Flood Mitigation 
Assistance Program. If a nonprofit land trust 
organization receives the property as a 
donation, that organization must maintain the 
property as deed-restricted, consistent with 
the provisions of paragraph T.2.b. above. 
f. Before the approval of your claim, the affected 
State must take all action set forth in FEMA's 
"Policy Guidance for Closed Basin Lakes." 
g. You must have NFIP flood insurance coverage 
continuously in effect from a date established by 
FEMA until you file a claim under this paragraph 
T.2. If a subsequent owner buys NFIP insurance 
that goes into effect within 60 days of the date of 
transfer of title, any gap in coverage during that 
60-day period will not be a violation of this 
continuous coverage requirement. For the purpose 
of honoring a claim under this paragraph T.2., we 
will not consider to be in effect any increased 
coverage that became effective after the date 
established by FEMA. The exception to this is any 
increased coverage in the amount suggested by 
your insurer as an inflation adjustment. 
h. This paragraph T.2. will be in effect for a 
community when the FEMA Regional Director for 
the affected region provides to the community, in 
writing, the following: 
(1) Confirmation that the community and the 
State are in compliance with the conditions in 
paragraphs T.2.e. and T.2.f. above; and 
(2) The date by which you must have flood 
insurance in effect. 
U. Duplicate Policies Not Allowed 
1. We will not insure your property under more than one 
NFIP policy. 
If we find that the duplication was not knowingly 
created, we will give you written notice. The notice will 
advise you that you may choose one of several 
options under the following procedures: 

a. If you choose to keep in effect the policy with the 
earlier effective date, you may also choose to 
add the coverage limits of the later policy to the 
limits of the earlier policy. The change will 
become effective as of the effective date of the 
later policy. 
b. If you choose to keep in effect the policy with the 
later effective date, you may also choose to add 
the coverage limits of the earlier policy to the 
limits of the later policy. The change will be 
effective as of the effective date of the later 
policy. 
In either case, you must pay the pro rata premium for 
the increased coverage limits within 30 days of the 
written notice. In no event will the resulting coverage 
limits exceed the permissible limits of coverage under 
the Act or your insurable interest, whichever is less. 

We will make a refund to you, according to applicable 
NFIP rules, of the premium for the policy not being 
kept in effect. 

2. The insureds option under this Condition U. Duplicate 
Policies Not Allowed to elect which NFIP policy to 
keep in effect does not apply when duplicates have 
been knowingly created. Losses occurring under such 
circumstances will be adjusted according to the terms 
and conditions of the earlier policy. The policy with 
the later effective date must be canceled. 
V. Loss Settlement 
We will pay the least of the following amounts after 
application of the deductible: 

1. The applicable amount of insurance under this policy; 
2. The actual cash value; or 
3. The amount it would cost to repair or replace the 
property with material of like kind and quality within a 
reasonable time after the loss. 
Page 16 of 18 
POL 38 May 1, 2008 


VIII. LIBERALIZATION CLAUSE 
If we make a change that broadens your coverage under change, provided that this implementation date falls within 
this edition of our policy, but does not require any 60 days before, or during, the policy term stated on the 
additional premium, then that change will automatically Declarations Page. 
apply to your insurance as of the date we implement the 

IX. WHAT LAW GOVERNS 
This policy and all disputes arising from the handling of National Flood Insurance Act of 1968, as amended (42 
any claim under the policy are governed exclusively by U.S.C. 4001, et seq.), and Federal common law. 
the flood insurance regulations issued by FEMA, the 

IN WITNESS WHEREOF, we have signed this policy below and hereby enter into this Insurance Agreement. 


David I. Maurstad 
Federal Insurance Administrator 
National Flood Insurance Program 

Page 17 of 18 
POL 39 May 1, 2008 


CLAIM GUIDELINES IN CASE OF A FLOOD 

For the protection of you and your family, the following claim guidelines are provided by the National Flood 
Insurance Program (NFIP). If you are ever in doubt as to what action is needed, consult your insurance 
representative or call the NFIP toll-free at 1-800-638-6620 or on the TDD line at 1-800-447-9487. 

Know your insurance representative's name and telephone number. List them here for fast reference: 

Insurance Representative _________________________________ 

Representative's Phone Number ______________________________ 

 Notify us or your insurance representative, in writing, as soon as possible after the flood. 
 If you report to your insurance representative, remind him or her to assign the claim to an NFIP-
approved claims adjuster. The NFIP pays for the services of the independent claims adjuster assigned 
to your claim. 
 Determine the independent claims adjuster assigned to your claim and contact him or her if you have 
not been contacted within 24 hours after you reported the claim to your insurance representative. 
 As soon as possible, separate damaged property from undamaged property so that damage can be 
inspected and evaluated. 
 Discuss with the claims adjuster any need you may have for an advance or partial payment for your 
loss. 
 To help the claims adjuster, try to take photographs of the outside of the premises showing the flooding 
and the damage and photographs of the inside of the premises showing the height of the water and the 
damaged property. 
 Place all account books, financial records, receipts, and other loss verification material in a safe place 
for examination and evaluation by the claims adjuster. 
 Work cooperatively and promptly with the claims adjuster to determine and document all claim items. 
Be prepared to advise the claims adjuster of the cause and responsible party(ies), if the flooding 
resulted from other than natural cause. 
 Make sure that the claims adjuster fully explains, and that you fully understand, all allowances and 
procedures for processing claim payments on the basis of your proof of loss. This policy requires you to 
send us detailed proof of loss within 60 days after the loss. 
 Any and all coverage problems and claim allowance restrictions must be communicated directly from 
the NFIP. Claims adjusters are not authorized to approve or deny claims; their job is to report to the 
NFIP on the elements of flood cause and damage. 
At our option, we may accept an adjuster's report of the loss instead of your proof of loss. The adjuster's report 
will include information about your loss and the damages to your insured property. You must sign the 
adjuster's report. At our option, we may require you to swear to the report. 

F-123 (10/04) 

Page 18 of 18 
POL 40 May 1, 2008 


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POL 41 May 1, 2008 


RESIDENTIAL CONDOMINIUM BUILDING ASSOCIATION POLICY 
Summary of Significant Changes, December 31, 2000 


1. Section III. Property Covered, A. Coverage A 
Building Property, 3. 
Additions and extensions to buildings that are connected 
by a rigid exterior wall, a solid load-bearing interior wall, a 
stairway, an elevated walkway, or a roof may be insured 
as part of the building. At the option of the insured, these 
extensions and additions may be insured separately. 
Additions and extensions that are 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 insured 
separately. 

2. Section III. Property Covered, B. Coverage B 
Personal Property, 4. Special Limits 
Coverage for fine arts, collectibles, jewelry, and furs has 
been increased to $ 2500. 

3. Section III. Property Covered, C. Coverage C 
Other Coverages, 2.a. & b. 
Coverage for the two loss avoidance measures, 
(sandbagging and relocation of property to protect it from 
flood or the imminent danger of flood) has been increased 
to $1,000 for each. 

4. Section IV. Property Not Covered, 5.a. & b. 
Coverage has been changed to pay for losses to self-
propelled vehicles used to service the described location 
or designed to assist handicapped persons provided that 
the vehicles are in a building at the described location. 

5. Section IV. Property Not Covered, 7. 
Coverage is now specifically excluded for scrip and stored 
value cards. 

6. Section IV. Property Not Covered, 14. 
Coverage for swimming pools, hot tubs, and spas (that are 
not bathroom hot tubs or spas), and their equipment is 
now excluded. 

7. Section V. Exclusions, B.1 & 2. 
The explanation of when coverage begins as it relates to a 
loss in progress has been simplified. 

8. Section V. Exclusions, C. 
Coverage has been clarified to pay for losses from land 
subsidence under certain circumstances. Subsidence of 
land along a lake shore or similar body of water which 
results from the erosion or undermining of the shoreline 
caused by waves or currents of water exceeding cyclical 
levels that result in a flood is now covered. All other land 
subsidence is excluded. 

9. Section V. Exclusions, D.4.b.(3) 
Coverage is now excluded for water, moisture, mildew, or 
mold damage caused by the policyholder's failure to 
inspect and maintain the insured property after the flood 
waters recede. 

10. Section V. Exclusions, D.6. 
Coverage is now added for damage from the pressure of 
water against the insured structure with the requirement 
that there be a flood in the area and the flood is the 
proximate cause of damage from the pressure of water 
against the insured structure. 

11. Section V. Exclusions, F. 
An exclusion for the cost of testing for or monitoring of 
pollutants unless it is required by law or ordinance has 
been added. 

12. Section VIII. General Conditions, G. Reduction 
and Reformation of Coverage, 2.a.(2) 
If it is discovered before a claim occurs that there is 
incomplete rating information, the policyholder has 60 days 
to submit missing rating information. Otherwise, the 
coverage can only be increased by an endorsement that is 
subject to the appropriate waiting period (currently 30 days). 

13. Section VIII. General Conditions, V. Loss 
Settlement, 3. Special Loss Settlement, b.(1) 
Coverage for a manufactured or mobile home or travel 
trailer eligible for replacement cost coverage is limited to 

1.5 times its actual cash value. 
POL 42 May 1, 2008 


FEDERAL EMERGENCY MANAGEMENT AGENCY
NATIONAL FLOOD INSURANCE PROGRAM 


STANDARD FLOOD INSURANCE POLICY 


RESIDENTIAL CONDOMINIUM BUILDING 
ASSOCIATION POLICY


PLEASE READ THE POLICY CAREFULLY. THE FLOOD INSURANCE PROVIDED IS SUBJECT TO LIMITATIONS, 
RESTRICTIONS, AND EXCLUSIONS. 

THIS POLICY COVERS ONLY A RESIDENTIAL CONDOMINIUM BUILDING IN A REGULAR PROGRAM COMMUNITY. IF 
THE COMMUNITY REVERTS TO EMERGENCY PROGRAM STATUS DURING THE POLICY TERM AND REMAINS AN 
EMERGENCY PROGRAM COMMUNITY AT TIME OF RENEWAL, THIS POLICY CANNOT BE RENEWED. 

I. AGREEMENT 
The Federal Emergency Management Agency (FEMA) 
provides flood insurance under the terms of the National 
Flood Insurance Act of 1968 and its amendments, and 
Title 44 of the Code of Federal Regulations (CFR). 

We will pay you for direct physical loss by or from flood 
to your insured property if you: 

1. Have paid the correct premium; 
2. Comply with all terms and conditions of this policy; 
and 
3. Have furnished accurate information and statements. 
We have the right to review the information you give us at 
any time and to revise your policy based on our review. 

II. DEFINITIONS 
A. In this policy, "you" and "your" refer to the insured(s) 
shown on the Declarations Page of this policy. 
"Insured(s)" includes: Any mortgagee and loss payee 
named in the Application and Declarations Page, 
as well as any other mortgagee or loss payee 
determined to exist at the time of loss in the order of 
precedence. "We," "us," and "our" refer to the insurer. 
Some definitions are complex because they are provided 
as they appear in the law or regulations, or result from 
court cases. The precise definitions are intended to 
protect you. 

Flood, as used in this flood insurance policy, means: 

1. A general and temporary condition of partial or 
complete inundation of two or more acres of normally 
dry land area or of two or more properties (at least 
one of which is your property) from: 
a. Overflow of inland or tidal waters; 
b. Unusual and rapid accumulation or runoff of 
surface waters from any source; 
c. Mudflow. 
2. 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 in A.1.a. above. 
B. The following are the other key definitions that we use 
in this policy: 
1. Act. The National Flood Insurance Act of 1968 and 
any amendments to it. 
2. Actual Cash Value. The cost to replace an insured 
item of property at the time of loss, less the value of 
its physical depreciation. 
3. Application. The statement made and signed by you 
or your agent in applying for this policy. The 
application gives information that we use to 
determine the eligibility of the risk, the kind of policy 
to be issued, and the correct premium payment. The 
application is part of this flood insurance policy. For 
us to issue you a policy, the correct premium 
payment must accompany the application. 
4. Base Flood. A flood having a one percent chance of 
being equaled or exceeded in any given year. 
Page 1 of 19 

POL 43 May 1, 2008 


5. 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. 
6. Building. 
a. A structure with two or more outside rigid walls 
and a fully secured roof, that is affixed to a 
permanent site; 
b. A manufactured home (a "manufactured home," 
also known as a mobile home, is a structure built 
on a permanent chassis, transported to its site in 
one or more sections, and affixed to a permanent 
foundation); or 
c. A travel trailer without wheels, built on a chassis 
and affixed to a permanent foundation, that is 
regulated under the community's floodplain 
management and building ordinances or laws. 
Building does not mean a gas or liquid storage tank 
or a recreational vehicle, park trailer, or other similar 
vehicle, except as described in B.6.c. above. 

7. Cancellation. The ending of the insurance coverage 
provided by this policy before the expiration date. 
8. Condominium. That form of ownership of real 
property in which each unit owner has an undivided 
interest in common elements. 
9. Condominium Association. The entity made up of 
the unit owners responsible for the maintenance and 
operation of: 
a. Common elements owned in undivided shares by 
unit owners; and 
b. Other real property in which the unit owners 
have use rights; 
where membership in the entity is a required condition 
of unit ownership. 

10. Declarations Page. A computer-generated summary 
of information you provided in the application for 
insurance. The Declarations Page also describes the 
term of the policy, limits of coverage, and displays 
the premium and our name. The Declarations Page 
is a part of this flood insurance policy. 
11. Described Location. The location where the insured 
building or personal property are found. The 
described location is shown on the Declarations 
Page. 
12. 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. 
13. 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. 
14. Emergency Program. The initial phase of a 
community's participation in the National Flood 
Insurance Program. During this phase, only limited 
amounts of insurance are available under the Act. 
15. Expense Constant. A flat charge you must pay on 
each new or renewal policy to defray the expenses of 
the Federal Government related to flood insurance. 
16. Federal Policy Fee. A flat charge you must pay on 
each new or renewal policy to defray certain 
administrative expenses incurred in carrying out the 
National Flood Insurance Program. This fee covers 
expenses not covered by the expense constant. 
17. Improvements. Fixtures, alterations, installations, or 
additions comprising a part of the residential 
condominium building, including improvements in 
the units. 
18. 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. 
19. National Flood Insurance Program (NFIP). The 
program of flood insurance coverage and floodplain 
management administered under the Act and 
applicable Federal regulations in Title 44 of the Code 
of Federal Regulations, Subchapter B. 
20. Policy. The entire written contract between you and 
us. It includes: 
a. This printed form; 
b. The application and Declarations Page; 
c. Any endorsement(s) that may be issued; and 
d. Any renewal certificate indicating that coverage 
has been instituted for a new policy and new 
policy term. 
Only one building, which you specifically described in 
the application, may be insured under this policy. 

21. 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. 
Page 2 of 19 
POL 44 May 1, 2008 


22. 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. 
23. Probation Premium. A flat charge you 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. 
24. Regular Program. The final phase of a community's 
participation in the National Flood Insurance 
Program. In this phase, a Flood Insurance Rate Map 
is in effect and full limits of coverage are available 
under the Act. 
25. Residential Condominium Building. A building, 
owned and administered as a condominium, 
containing one or more family units and in which at 
least 75 percent of the floor area is residential. 

26. Special Flood Hazard Area. An area having special 
flood, or mudflow, and/or flood-related erosion 
hazards, and shown on a Flood Hazard Boundary 
Map or Flood Insurance Rate Map as Zone A, AO, 
A1-A30, AE, A99, AH, AR, AR/A, AR/AE, AR/AH, 
AR/AO, AR/A1-A30, V1-V30, VE, or V. 
27. Unit. A single-family unit in a residential 
condominium building. 
28. Valued Policy. A policy in which the insured and the 
insurer agree on the value of the property insured, 
that value being payable in the event of a total loss. 
The Standard Flood Insurance Policy is not a valued 
policy. 
III. PROPERTY COVERED 
A. COVERAGE A - BUILDING PROPERTY 
We insure against direct physical loss by or from flood 
to: 

1. The residential condominium building described 
on the Declarations Page at the described location, 
including all units within the building and the 
improvements within the units. 
2. We also insure such building property for a period of 
45 days at another location, as set forth in III.C.2.b., 
Property Removed to Safety. 
3. 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 your 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. 
4. The following fixtures, machinery, and equipment, 
which are covered under Coverage A only: 
a. Awnings and canopies; 
b. Blinds; 
c. Carpet permanently installed over unfinished 
flooring; 
d. Central air conditioners; 
e. Elevator equipment; 
f. Fire extinguishing apparatus; 
g. Fire sprinkler systems; 
h. Walk-in freezers; 
i. Furnaces; 
j. Light fixtures; 
k. Outdoor antennas and aerials fastened to 
buildings; 
l. Permanently installed cupboards, bookcases, 
paneling, and wallpaper; 
m. Pumps and machinery for operating pumps; 
n. Ventilating equipment; 
o. Wall mirrors, permanently installed; and 
p. In the units within the building, installed: 
(1) Built-in dishwashers; 
(2) Built-in microwave ovens; 
(3) Garbage disposal units; 
(4) Hot water heaters, including solar water 
heaters; 
(5) Kitchen cabinets; 
(6) Plumbing fixtures; 
(7) Radiators; 
(8) Ranges; 
(9) Refrigerators; and 
(10) Stoves. 
5. Materials and supplies to be used for construction, 
alteration, or repair of the insured building while the 
materials and supplies are stored in a fully enclosed 
building at the described location or on an 
adjacent property. 
6. A building under construction, alteration, or repair at 
the described location. 
a. If the structure is not yet walled or roofed as 
described in the definition for building (see 
II.B.6.a.), then coverage applies: 
(1) Only while such work is in progress; or 
(2) If such work is halted, only for a period of up 
to 90 continuous days thereafter. 
Page 3 of 19 
POL 45 May 1, 2008 


b. However, coverage does not apply until the 
building is walled and roofed if the lowest floor, 
including the basement floor, of a non-elevated 
building or the lowest elevated floor of an 
elevated building is: 
(1) Below the base flood elevation in Zones 
AH, AE, A1-A30, AR, AR/AE, AR/AH, 
AR/A1-A30, AR/A, AR/AO; or 
(2) Below the base flood elevation adjusted to 
include the effect of wave action in Zones VE 
or V1-V30. 
The lowest floor levels are based on the bottom of 
the lowest horizontal structural member of the floor 
in Zones VE or V1-V30 and the top of the floor in 
Zones AH, AE, A1-A30, AR, AR/AE, AR/AH, 
AR/A1-A30, AR/A, AR/AO. 

7. A manufactured home or a travel trailer as described 
in the Definitions section (see II.B.6.b. and II.B.6.c.) 
If the manufactured home is in a special flood 
hazard area, it must be anchored in the following 
manner at the time of the loss: 

a. By over-the-top or frame ties to ground anchors; 
or 
b. In accordance with the manufacturer's specifications; or 
c. In compliance with the community's floodplain 
management requirements; 
unless it has been continuously insured by the NFIP 
at the same described location since September 30, 
1982. 

8. Items of property in a building enclosure below the 
lowest elevated floor of an elevated post-FIRM 
building located in Zones A1-A30, AE, AH, AR, 
AR/A, AR/AE, AR/AH, AR/A1-A30, V1-V30, or VE, or 
in a basement, regardless of the zone. Coverage is 
limited to the following: 
a. Any of the following items, if installed in their 
functioning locations and, if necessary for 
operation, connected to a power source: 
(1) Central air conditioners; 
(2) Cisterns and the water in them; 
(3) Drywall for walls and ceilings in a basement 
and the cost of labor to nail it, unfinished and 
unfloated and not taped, to the framing; 
(4) Electrical junction and circuit breaker boxes; 
(5) Electrical outlets and switches; 
(6) Elevators, dumbwaiters and related equipment, except for related equipment installed 
below the base flood elevation after 
September 30, 1987; 
(7) Fuel tanks and the fuel in them; 
(8) Furnaces and hot water heaters; 
(9) Heat pumps; 
(10) Nonflammable insulation in a basement; 
(11) Pumps and tanks used in solar energy 
systems; 
(12) Stairways and staircases attached to the 
building, not separated from it by elevated 
walkways; 
(13) Sump pumps; 
(14) Water softeners and the chemicals in them, 
water filters, and faucets installed as an 
integral part of the plumbing system; 
(15) Well water tanks and pumps; 
(16) Required utility connections for any item in 
this list; and 
(17) Footings, foundations, posts, pilings, piers, 
or other foundation walls and anchorage 
systems required to support a building. 
b. Clean-up. 
B. COVERAGE B - PERSONAL PROPERTY 
1. If you have purchased personal property coverage, 
we insure, subject to B.2. and B.3. below, against 
direct physical loss by or from flood to personal 
property that is inside the fully enclosed insured 
building and is: 
a. Owned by the unit owners of the condominium 
association in common, meaning property in 
which each unit owner has an undivided 
ownership interest; or 
b. Owned solely by the condominium association 
and used exclusively in the conduct of the 
business affairs of the condominium 
association. 
We also insure such personal property for 45 days 
while stored at a temporary location, as set forth in 
III.C.2.b., Property Removed to Safety. 

2. Coverage for personal property includes the following 
property, subject to paragraph B.1. above, which is 
covered under Coverage B only: 
a. Air conditioning units, portable or window type; 
b. Carpet, not permanently installed, over 
unfinished flooring; 
c. Carpets over finished flooring; 
d. Clothes washers and dryers; 
e. "Cook-out" grills; 
f. Food freezers, other than walk-in, and food in 
any freezer; 
g. Outdoor equipment and furniture stored inside 
the insured building; 
h. Ovens and the like; and 
i. Portable microwave ovens and portable 
dishwashers. 
Page 4 of 19 
POL 46 May 1, 2008 


3. Coverage for items of property in a building 
enclosure lower than the lowest elevated floor of an 
elevated post-FIRM building located in Zones A1A30, AE, AH, AR, AR/A, AR/AE, AR/AH, AR/A1-A30, 
V1-V30, or VE, or in a basement, regardless of the 
zone, is limited to the following items, if installed in 
their functioning locations and, if necessary for 
operation, connected to a power source: 
a. Air conditioning units, portable or window type; 
b. Clothes washers and dryers; and 
c. Food freezers, other than walk-in, and food in 
any freezer. 
4. Special Limits. We will pay no more than $2,500 for 
any one loss to one or more of the following kinds of 
personal property: 
a. Artwork, photographs, collectibles, or 
memorabilia, including but not limited to, 
porcelain or other figures, and sports cards; 
b. Rare books or autographed items; 
c. Jewelry, watches, precious and semiprecious 
stones, or articles of gold, silver, or platinum; or 
d. Furs or any article containing fur which 
represents its principal value. 
5. We will pay only for the functional value of antiques. 
C. COVERAGE C - OTHER COVERAGES 
1. Debris Removal 
a. We will pay the expense to remove non-owned 
debris on or in insured property and owned 
debris anywhere. 
b. If you or a member of your household perform 
the removal work, the value of your work will be 
based on the Federal minimum wage. 
c. This coverage does not increase the Coverage A 
or Coverage B limit of liability. 
2. Loss Avoidance Measures 
a. Sandbags, Supplies, and Labor 
(1) We will pay up to $1,000 for the costs you 
incur to protect the insured building from a 
flood or imminent danger of flood, for the 
following: 
(a) Your reasonable expenses to buy: 
(i) Sandbags, including sand to fill 
them; 
(ii) Fill for temporary levees; 
(iii) Pumps; and 
(iv) Plastic sheeting and lumber used in 
connection with these items; and 
(b) The value of work, at the Federal 
minimum wage, that you perform. 
(2) This coverage for Sandbags, Supplies, and 
Labor applies only if damage to insured 
property by or from flood is imminent and 
the threat of flood damage is apparent 
enough to lead a person of common 
prudence to anticipate flood damage. One 
of the following must also occur: 
(a) A general and temporary condition of 
flooding in the area near the described 
location must occur, even if the flood 
does not reach the insured building; or 
(b) A legally authorized official must issue 
an evacuation order or other civil order 
for the community in which the insured 
building is located calling for measures 
to preserve life and property from the 
peril of flood. 
This coverage does not increase the Coverage A 
or Coverage B limit of liability. 

b. Property Removed to Safety 
(1) We will pay up to $1,000 for the reasonable 
expenses you incur to move insured property 
to a place other than the described location 
that contains the property in order to protect 
it from flood or the imminent danger of 
flood. 
Reasonable expenses include the value of 
work, at the Federal minimum wage, that you 
perform. 

(2) If you move insured property to a location 
other than the described location that 
contains the property, in order to protect it 
from flood or the imminent danger of flood, 
we will cover such property while at that 
location for a period of 45 consecutive days 
from the date you begin to move it there. The 
personal property that is moved must be 
placed in a fully enclosed building or 
otherwise reasonably protected from the 
elements. 
Page 5 of 19 
POL 47 May 1, 2008 


Any property removed, including a moveable 
home described in Definition 6. Building, 
paragraphs b. and c., must be placed above 
ground level or outside of the special flood 
hazard area. 

This coverage does not increase the Coverage A 
or Coverage B limit of liability. 

D. COVERAGE D - INCREASED COST OF 
COMPLIANCE 
1. General 
This policy pays you to comply 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 your 
structure. Eligible floodproofing activities are limited 
to: 

a. Nonresidential structures. 
b. Residential structures with basements that 
satisfy FEMA's standards published in the Code 
of Federal Regulations [44 CFR 60.6 (b) or 
(c)]. 
2. Limit of Liability 
We will pay you up to $30,000 under this Coverage D 

- Increased Cost of Compliance, which only applies to 
policies with building coverage (Coverage A). Our 
payment of claims under Coverage D is in addition to 
the amount of coverage which you selected on the 
application and which appears on the Declarations 
Page. But the maximum you can collect under this 
policy for both Coverage A - Building Property and 
Coverage D -Increased Cost of Compliance cannot 
exceed the maximum permitted under the Act. We do 
not charge a separate deductible for a claim under 
Coverage D. 
3. Eligibility 
a. A structure covered under Coverage A - Building 
Property sustaining a loss caused by a flood as 
defined by this policy must: 
(1) Be a "repetitive loss structure." A repetitive 
loss structure is one that meets the following 
conditions: 
(a) The structure is covered by a contract of 
flood insurance issued under the NFIP. 
(b) The structure has suffered flood 
damage on two occasions during a 10year period which ends on the date of 
the second loss. 
(c) The cost to repair the flood damage, on 
average, equaled or exceeded 25 
percent of the market value of the 
structure at the time of each flood loss. 
(d) In addition to the current claim, the NFIP 
must have paid the previous qualifying 
claim, and the State or community must 
have a cumulative, substantial damage 
provision or repetitive loss provision in 
its floodplain management law or 
ordinance being enforced against the 
structure; or 
(2) Be a structure that has had flood damage in 
which the cost to repair equals or exceeds 
50 percent of the market value of the 
structure at the time of the flood. The State 
or community must have a substantial 
damage provision in its floodplain 
management law or ordinance being 
enforced against the structure. 
b. This Coverage D pays you to comply with State 
or local floodplain management laws or 
ordinances that meet the minimum standards of 
the National Flood Insurance Program found in 
the Code of Federal Regulations at 44 CFR 60.3. 
We pay for compliance activities that exceed 
those standards under these conditions: 
(1) 3.a.(1) above. 
(2) Elevation or floodproofing in any risk zone to 
preliminary or advisory base flood 
elevations provided by FEMA which the 
State or local government has adopted and 
is enforcing for flood-damaged structures in 
such areas. (This includes compliance 
activities in B, C, X, or D zones which are 
being changed to zones with base flood 
elevations. This also includes compliance 
activities in zones where base flood 
elevations are being increased, and a flood-
damaged structure must comply with the 
higher advisory base flood elevation.) 
Increased Cost of Compliance coverage 
does not apply to situations in B, C, X, or D 
zones where the community has derived its 
own elevations and is enforcing elevation or 
floodproofing requirements for flood-
damaged structures to elevations derived 
solely by the community. 
(3) Elevation or floodproofing above the base 
flood elevation to meet State or local 
"freeboard" requirements, i.e., that a 
structure must be elevated above the base 
flood elevation. 
Page 6 of 19 
POL 48 May 1, 2008 


c. Under the minimum NFIP criteria at 44 CFR 60.3 
(b)(4), States and communities must require the 
elevation or floodproofing of structures in 
unnumbered A zones to the base flood elevation 
where elevation data is obtained from a Federal, 
State, or other source. Such compliance activities 
are also eligible for Coverage D. 
d. This coverage will also pay for the incremental 
cost, after demolition or relocation, of elevating or 
floodproofing a structure during its rebuilding at 
the same or another site to meet State or local 
floodplain management laws or ordinances, 
subject to Exclusion D.5.g. below. 
e. This coverage will also pay to bring a flood-
damaged structure into compliance with State or 
local floodplain management laws or ordinances 
even if the structure had received a variance 
before the present loss from the applicable 
floodplain management requirements. 
4. Conditions 
a. When a structure covered under Coverage A -
Building Property sustains a loss caused by a 
flood, our payment for the loss under this 
Coverage D will be for the increased cost to 
elevate, floodproof, relocate, or demolish (or any 
combination of these activities) caused by the 
enforcement of current State or local floodplain 
management ordinances or laws. Our payment for 
eligible demolition activities will be for the cost to 
demolish and clear the site of the building debris 
or a portion thereof caused by the enforcement of 
current State or local floodplain management 
ordinances or laws. Eligible activities for the cost of 
clearing the site will include those necessary to 
discontinue utility service to the site and ensure 
proper abandonment of on-site utilities. 
b. When the building is repaired or rebuilt, it must be 
intended for the same occupancy as the present 
building unless otherwise required by current 
floodplain management ordinances or laws. 
5. Exclusions 
Under this Coverage D - Increased Cost of Compliance 
we will not pay for: 

a. The cost to comply with any floodplain 
management law or ordinance in communities 
participating in the Emergency Program. 
b. The cost associated with enforcement of any 
ordinance or law that requires any insured or 
others to test for, monitor, clean up, remove, 
contain, treat, detoxify or neutralize, or in any way 
respond to, or assess the effects of pollutants. 
c. The loss in value to any insured building or other 
structure due to the requirements of any ordinance 
or law. 
d. The loss in residual value of the undamaged 
portion of a building demolished as a 
consequence of enforcement of any State or local 
floodplain management law or ordinance. 
e. Any Increased Cost of Compliance under this 
Coverage D: 
(1) Until the building is elevated, floodproofed, 
demolished, or relocated on the same or to 
another premises; and 
(2) Unless the building is elevated, floodproofed, 
demolished, or relocated as soon as 
reasonably possible after the loss, not to 
exceed 2 years. 
f. Any code upgrade requirements, e.g., plumbing or 
electrical wiring, not specifically related to the State 
or local floodplain management law or ordinance. 
g. Any compliance activities needed to bring 
additions or improvements made after the loss 
occurred into compliance with State or local 
floodplain management laws or ordinances. 
h. Loss due to any ordinance or law that you were 
required to comply with before the current loss. 
i. Any rebuilding activity to standards that do not 
meet the NFIP's minimum requirements. This 
includes any situation where the insured has 
received from the State or community a variance 
in connection with the current flood loss to rebuild 
the property to an elevation below the base flood 
elevation. 
j. Increased Cost of Compliance for a garage or 
carport. 
k. Any structure insured under an NFIP Group 
Flood Insurance Policy. 
l. Assessments made by a condominium 
association on individual condominium unit 
owners to pay increased costs of repairing 
commonly owned buildings after a flood in 
compliance with State or local floodplain 
management ordinances or laws. 
6. Other Provisions 
a. Increased Cost of Compliance coverage will not 
be included in the calculation to determine 
whether coverage meets the coinsurance 
Page 7 of 19 
POL 49 May 1, 2008 


requirement for replacement cost coverage under b. All other conditions and provisions of the policy 

VIII. General Conditions, V. Loss Settlement. apply. 
IV. PROPERTY NOT COVERED 
We do not cover any of the following property: 

1. Personal property not inside the fully enclosed 
building; 
2. A building, and personal property in it, located 
entirely in, on, or over water or seaward of mean high 
tide, if constructed or substantially improved after 
September 30, 1982; 
3. Open structures, including a building used as a 
boathouse or any structure or building into which 
boats are floated, and personal property located in, 
on, or over water; 
4. Recreational vehicles other than travel trailers 
described in II.B.6.c., whether affixed to a permanent 
foundation or on wheels; 
5. Self-propelled vehicles or machines, including their 
parts and equipment. However, we do cover self-
propelled vehicles or machines not licensed for use 
on public roads that are: 
a. Used mainly to service the described location, 
or 
b. Designed and used to assist handicapped 
persons, 
while the vehicles or machines are inside a building 
at the described location; 

6. Land, land values, lawns, trees, shrubs, plants, 
growing crops, or animals; 
7. Accounts, bills, coins, currency, deeds, evidences of 
debt, medals, money, scrip, stored value cards, 
postage stamps, securities, bullion, manuscripts, or 
other valuable papers; 

8. Underground structures and equipment, including 
wells, septic tanks, and septic systems; 
9. Those portions of walks, walkways, decks, driveways, 
patios, and other surfaces, all whether protected by a 
roof or not, located outside the perimeter, exterior 
walls of the insured building; 
10. Containers, including related equipment, such as, but 
not limited to, tanks containing gases or liquids; 
11. Buildings and all their contents if more than 49 
percent of the actual cash value of the building is 
below ground, unless the lowest level is at or above 
the base flood elevation and is below ground by 
reason of earth having been used as insulation 
material in conjunction with energy efficient building 
techniques; 
12. Fences, retaining walls, seawalls, bulkheads, 
wharves, piers, bridges, and docks; 
13. Aircraft or watercraft, or their furnishings and 
equipment; 
14. Hot tubs and spas that are not bathroom fixtures, and 
swimming pools, and their equipment such as, but not 
limited to, heaters, filters, pumps, and pipes, wherever 
located; 
15. Property not eligible for flood insurance pursuant to 
the provisions of the Coastal Barrier Resources Act 
and the Coastal Barrier Improvement Act of 1990 and 
amendments to these acts; 
16. Personal property used in connection with any 
incidental commercial occupancy or use of the 
building. 
V. EXCLUSIONS 
A. We only pay for direct physical loss by or from 3. Loss of use of the insured property or described 
flood, which means that we do not pay you for: location; 
1. Loss of revenue or profits; 4. Loss from interruption of business or production; 
2. Loss of access to the insured property or described 5. Any additional living expenses incurred while the 
location; insured building is being repaired or is unable to be 
occupied for any reason; 

Page 8 of 19 
POL 50 May 1, 2008 


6. The cost of complying with any ordinance or law 
requiring or regulating the construction, demolition, 
remodeling, renovation, or repair of property, 
including removal of any resulting debris. This 
exclusion does not apply to any eligible activities that 
we describe in Coverage D - Increased Cost of 
Compliance; or 
7. Any other economic loss. 
B. We do not insure a loss directly or indirectly caused 
by a flood that is already in progress at the time and 
date: 
1. The policy term begins; or 
2. Coverage is added at your request. 
C. We do not insure for loss to property caused directly 
by earth movement even if the earth movement is 
caused by flood. Some examples of earth movement 
that we do not cover are: 
1. Earthquake; 
2. Landslide; 
3. Land subsidence; 
4. Sinkholes; 
5. Destabilization or movement of land that results from 
accumulation of water in subsurface land areas; or 
6. Gradual erosion. 
We do, however, pay for losses from mudflow and land 
subsidence as a result of erosion that are specifically 
covered under our definition of flood (see II.A.1.c. and 
II.A.2.). 

D. We do not insure for direct physical loss caused 
directly or indirectly by: 
1. The pressure or weight of ice; 
2. Freezing or thawing; 
3. Rain, snow, sleet, hail, or water spray; 
4. Water, moisture, mildew, or mold damage that results 
primarily from any condition: 
a. Substantially confined to the insured building; or 
b. That is within your control including, but not 
limited to: 
(1) Design, structural, or mechanical defects; 
(2) Failure, stoppage, or breakage of water or 
sewer lines, drains, pumps, fixtures, or 
equipment; or 
(3) Failure to inspect and maintain the property 
after a flood recedes; 
5. Water or waterborne material that: 
a. Backs up through sewers or drains; 
b. Discharges or overflows from a sump, sump 
pump, or related equipment; or 
c. Seeps or leaks on or through insured property; 
unless there is a flood in the area and the flood is the 
proximate cause of the sewer or drain backup, sump 
pump discharge or overflow, or the seepage of water; 

6. The pressure or weight of water unless there is a 
flood in the area and the flood is the proximate 
cause of the damage from the pressure or weight of 
water; 
7. Power, heating, or cooling failure unless the failure 
results from direct physical loss by or from flood to 
power, heating, or cooling equipment situated on the 
described location; 
8. Theft, fire, explosion, wind, or windstorm; 
9. Anything you or your agents do or conspire to do to 
cause loss by flood deliberately; or 
10. Alteration of the insured property that significantly 
increases the risk of flooding. 
E. We do not insure for loss to any building or personal 
property located on land leased from the Federal 
Government, arising from or incident to the flooding of 
the land by the Federal Government, where the lease 
expressly holds the Federal Government harmless 
under flood insurance issued under any Federal 
Government program. 
F. We do not pay for the testing for or monitoring of 
pollutants unless required by law or ordinance. 
VI. DEDUCTIBLES 
A. When a loss is covered under this policy, we will pay 
only that part of the loss that exceeds the applicable 
deductible amount, subject to the limit of insurance 
that applies. The deductible amount is shown on the 
Declarations Page. 
POL 51 

However, when a building under construction, 
alteration, or repair does not have at least two rigid 
exterior walls and a fully secured roof at the time of 
loss, your deductible amount will be two times the 
deductible that would otherwise apply to a completed 
building. 

Page 9 of 19 

May 1, 2008 


B. In each loss from flood, separate deductibles apply to C. No deductible applies to: 
the building and personal property insured by this 
policy. 1. III.C.2. Loss Avoidance Measures; or 
2. III.D. Increased Cost of Compliance. 
VII. COINSURANCE 
A. This Coinsurance section applies only to coverage on 
the building. 
B. We will impose a penalty on loss payment unless the 
amount of insurance applicable to the damaged 
building is: 
1. At least 80 percent of its replacement cost; or 
2. The maximum amount of insurance available for that 
building under the NFIP, 
whichever is less. 

C. If the actual amount of insurance on the building is 
less than the required amount in accordance with the 
terms of VII.B. above, then loss payment is 
determined as follows (subject to all other relevant 
conditions in this policy, including those pertaining to 
valuation, adjustment, settlement, and payment of 
loss): 
1. Divide the actual amount of insurance carried on the 
building by the required amount of insurance. 
2. Multiply the amount of loss, before application of the 
deductible, by the figure determined in C.1. above. 
3. Subtract the deductible from the figure determined in 
C.2. above. 
We will pay the amount determined in C.3. above, or the 
amount of insurance carried, whichever is less. The 
amount of insurance carried, if in excess of the applicable 
maximum amount of insurance available under the NFIP, 
is reduced accordingly. 

Examples 

Example #1 (Inadequate Insurance) 

Replacement value of the building $250,000 
Required amount of insurance $200,000 
(80% of replacement value of $250,000) 
Actual amount of insurance carried $180,000 
Amount of the loss $150,000 
Deductible $500 

Step 1: 180,000  200,000 = .90 

(90% of what should be carried) 
Step 2: 150,000 X .90 = 135,000 

Step 3: 135,000 - 500 = 134,500 

We will pay no more than $134,500. The remaining 
$15,500 is not covered due to the coinsurance penalty 
($15,000) and application of the deductible ($500). 

Example #2 (Adequate Insurance) 

Replacement value of the building $500,000 
Required amount of insurance $400,000 
(80% of replacement value of $500,000) 
Actual amount of insurance carried $400,000 
Amount of the loss $200,000 
Deductible $500 

In this example there is no coinsurance penalty, because 
the actual amount of insurance carried meets the required 
amount. We will pay no more than $199,500 ($200,000 
amount of loss minus the $500 deductible). 

D. In calculating the full replacement cost of a building: 
1. The replacement cost value of any covered building 
property will be included; 
2. The replacement cost value of any building property 
not covered under this policy will not be included; 
and 
3. Only the replacement cost value of improvements 
installed by the condominium association will be 
included. 
Page 10 of 19 
POL 52 May 1, 2008 


VIII. GENERAL CONDITIONS 
A. Pairs and Sets 
In case of loss to an article that is part of a pair or set, we 
will have the option of paying you: 

1. An amount equal to the cost of replacing the lost, 
damaged, or destroyed article, less depreciation; or 
2. An amount that represents the fair proportion of the 
total value of the pair or set that the lost, damaged, or 
destroyed article bears to the pair or set. 
B. Concealment or Fraud and Policy Voidance 
1. With respect to all insureds under this policy, this 
policy: 
a. Is void; 
b. Has no legal force or effect; 
c. Cannot be renewed; and 
d. Cannot be replaced by a new NFIP policy; 
if, before or after a loss, you or any other insured or 
your agent have at any time: 

(1) Intentionally concealed or misrepresented 
any material fact or circumstance; 
(2) Engaged in fraudulent conduct; or 
(3) Made false statements; 
relating to this policy or any other NFIP 
insurance. 

2. This policy will be void as of the date the wrongful 
acts described in B.1. above were committed. 
3. Fines, civil penalties, and imprisonment under 
applicable Federal laws may also apply to the acts of 
fraud or concealment described above. 
4. This policy is also void for reasons other than fraud, 
misrepresentation, or wrongful act. This policy is void 
from its inception and has no legal force under the 
following conditions: 
a. If the property is located in a community that was 
not participating in the NFIP on the policy's 
inception date and did not join or reenter the 
program during the policy term and before the 
loss occurred; or 
b. If the property listed on the application is 
otherwise not eligible for coverage under the 
NFIP. 
C. Other Insurance 
1. If a loss covered by this policy is also covered by 
other insurance that includes flood coverage not 
issued under the Act, we will not pay more than the 
amount of insurance that you are entitled to for lost, 
damaged, or destroyed property insured under this 
policy subject to the following: 
a. We will pay only the proportion of the loss that 
the amount of insurance that applies under this 
policy bears to the total amount of insurance 
covering the loss, unless C.1.b. or c. immediately 
below applies. 
b. If the other policy has a provision stating it is 
excess insurance, this policy will be primary. 
c. This policy will be primary (but subject to its own 
deductible) up to the deductible in the other flood 
policy (except another policy as described in 
C.1.b. above). When the other deductible amount 
is reached, this policy will participate in the same 
proportion that the amount of insurance under 
this policy bears to the total amount of both 
policies, for the remainder of the loss. 
2. If there is a flood insurance policy in the name of a 
unit owner that covers the same loss as this policy, 
then this policy will be primary. 
D. Amendments, Waivers, Assignment 
This policy cannot be changed nor can any of its 
provisions be waived without the express written consent 
of the Federal Insurance Administrator. No action that we 
take under the terms of this policy constitutes a waiver of 
any of our rights. You may assign this policy in writing 
when you transfer title of your property to someone else, 
except under these conditions: 

1. When this policy covers only personal property; or 
2. When this policy covers a structure during the course 
of construction. 
E. Cancellation of Policy by You 
1. You may cancel this policy in accordance with the 
applicable rules and regulations of the NFIP. 
2. If you cancel this policy, you may be entitled to a full 
or partial refund of premium also under the applicable 
rules and regulations of the NFIP. 
Page 11 of 19 
POL 53 May 1, 2008 


F. Nonrenewal of the Policy by Us 
Your policy will not be renewed: 

1. If the community where your covered property is 
located stops participating in the NFIP; or 
2. If your building has been declared ineligible under 
Section 1316 of the Act. 
G. Reduction and Reformation of Coverage 
1. If the premium we received from you was not enough 
to buy the kind and amount of coverage you 
requested, we will provide only the amount of 
coverage that can be purchased for the premium 
payment we received. 
2. The policy can be reformed to increase the amount 
of coverage resulting from the reduction described in 
G.1. above to the amount you requested as follows: 
a. Discovery of insufficient premium or incomplete 
rating information before a loss. 
(1) If we discover before you have a flood loss 
that your premium payment was not enough 
to buy the requested amount of coverage, 
we will send you and any mortgagee or 
trustee known to us a bill for the required 
additional premium for the current policy 
term (or that portion of the current policy 
term following any endorsement changing 
the amount of coverage). If you or the 
mortgagee or trustee pay the additional 
premium within 30 days from the date of our 
bill, we will reform the policy to increase the 
amount of coverage to the originally 
requested amount effective to the beginning 
of the current policy term (or subsequent 
date of any endorsement changing the 
amount of coverage). 
(2) If we determine before you have a flood loss 
that the rating information we have is 
incomplete and prevents us from calculating 
the additional premium, we will ask you to 
send the required information. You must 
submit the information within 60 days of our 
request. Once we determine the amount of 
additional premium for the current policy 
term, we will follow the procedure in 
G.2.a.(1) above. 
(3) If we do not receive the additional premium 
(or additional information) by the date it is 
due, the amount of coverage can only be 
increased by endorsement subject to any 
appropriate waiting period. 
b. Discovery of insufficient premium or incomplete 
rating information after a loss. 
(1) If we discover after you have a flood loss 
that your premium payment was not enough 
to buy the requested amount of coverage, 
we will send you and any mortgagee or 
trustee known to us a bill for the required 
additional premium for the current and the 
prior policy terms. If you or the mortgagee 
or trustee pay the additional premium within 
30 days from the date of our bill, we will 
reform the policy to increase the amount of 
coverage to the originally requested amount 
effective to the beginning of the prior policy 
term. 
(2) If we discover after you have a flood loss 
that the rating information we have is 
incomplete and prevents us from calculating 
the additional premium, we will ask you to 
send the required information. You must 
submit the information before your claim can 
be paid. Once we determine the amount of 
additional premium for the current and prior 
policy terms, we will follow the procedure in 
G.2.b.(1) above. 
(3) If we do not receive the additional premium 
by the date it is due, your flood insurance 
claim will be settled based on the reduced 
amount of coverage. The amount of 
coverage can only be increased by 
endorsement subject to any appropriate 
waiting period. 
3. However, if we find that you or your agent 
intentionally did not tell us, or falsified, any important 
fact or circumstance or did anything fraudulent 
relating to this insurance, the provisions of Condition 
B. Concealment or Fraud and Policy Voidance apply. 
H. Policy Renewal 
1. This policy will expire at 12:01 a.m. on the last day of 
the policy term. 
2. We must receive the payment of the appropriate 
renewal premium within 30 days of the expiration 
date. 
3. If we find, however, that we did not place your 
renewal notice into the U.S. Postal Service, or if we 
did mail it, we made a mistake, e.g., we used an 
incorrect, incomplete, or illegible address, which 
delayed its delivery to you before the due date for the 
renewal premium, then we will follow these 
procedures: 
a. If you or your agent notified us, not later than 1 
year after the date on which the payment of the 
renewal premium was due, of nonreceipt of a 
renewal notice before the due date for the 
renewal premium, and we determine that the 
circumstances in the preceding paragraph apply, 
we will mail a second bill providing a revised due 
Page 12 of 19 
POL 54 May 1, 2008 


date, which will be 30 days after the date on 
which the bill is mailed. 

b. If we do not receive the premium requested in the 
second bill by the revised due date, then we will 
not renew the policy. In that case, the policy will 
remain an expired policy as of the expiration 
date shown on the Declarations Page. 
4. In connection with the renewal of this policy, we may 
ask you during the policy term to recertify, on a 
Recertification Questionnaire that we will provide you, 
the rating information used to rate your most recent 
application for or renewal of insurance. 
I. Conditions Suspending or Restricting Insurance 
We are not liable for loss that occurs while there is a hazard 
that is increased by any means within your control or 
knowledge. 

J. Requirements in Case of Loss 
In case of a flood loss to insured property, you must: 

1. Give prompt written notice to us; 
2. As soon as reasonably possible, separate the 
damaged and undamaged property, putting it in the 
best possible order so that we may examine it; 
3. Prepare an inventory of damaged personal property 
showing the quantity, description, actual cash value, 
and amount of loss. Attach all bills, receipts, and 
related documents; 
4. Within 60 days after the loss, send us a proof of loss, 
which is your statement of the amount you are 
claiming under the policy signed and sworn to by 
you, and which furnishes us with the following 
information: 
a. The date and time of loss; 
b. A brief explanation of how the loss happened; 
c. Your interest (for example, "owner") and the 
interest, if any, of others in the damaged 
property; 
d. Details of any other insurance that may cover the 
loss; 
e. Changes in title or occupancy of the insured 
property during the term of the policy; 
f. Specifications of damaged insured buildings and 
detailed repair estimates; 
g. Names of mortgagees or anyone else having a 
lien, charge, or claim against the insured 
property; 
h. Details about who occupied any insured building 
at the time of loss and for what purpose; and 
i. The inventory of damaged personal property 
described in J.3. above. 
5. In completing the proof of loss, you must use your 
own judgment concerning the amount of loss and 
justify that amount. 
6. You must cooperate with the adjuster or 
representative in the investigation of the claim. 
7. The insurance adjuster whom we hire to investigate 
your claim may furnish you with a proof of loss form, 
and she or he may help you complete it. However, 
this is a matter of courtesy only, and you must still 
send us a proof of loss within 60 days after the loss 
even if the adjuster does not furnish the form or help 
you complete it. 
8. We have not authorized the adjuster to approve or 
disapprove claims or to tell you whether we will 
approve your claim. 
9. At our option, we may accept the adjuster's report of 
the loss instead of your proof of loss. The adjuster's 
report will include information about your loss and the 
damages you sustained. You must sign the adjuster's 
report. At our option, we may require you to swear to 
the report. 
K. Our Options After a Loss 
Options that we may, in our sole discretion, exercise after 
loss include the following: 

1. At such reasonable times and places that we may 
designate, you must: 
a. Show us or our representative the damaged 
property; 
b. Submit to examination under oath, while not in 
the presence of another insured, and sign the 
same; and 
c. Permit us to examine and make extracts and 
copies of: 
(1) Any policies of property insurance insuring 
you against loss and the deed establishing 
your ownership of the insured real property; 
(2) Condominium association documents 
including the Declarations of the 
condominium, its Articles of Association or 
Incorporation, Bylaws, and rules and 
regulations; and 
(3) All books of accounts, bills, invoices and 
other vouchers, or certified copies pertaining 
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POL 55 May 1, 2008 


to the damaged property if the originals are 
lost. 

2. We may request, in writing, that you furnish us with a 
complete inventory of the lost, damaged, or destroyed 
property, including: 
a. Quantities and costs; 
b. Actual cash values or replacement cost 
(whichever is appropriate); 
c. Amounts of loss claimed; 
d. Any written plans and specifications for repair of 
the damaged property that you can reasonably 
make available to us; and 
e. Evidence that prior flood damage has been 
repaired. 
3. If we give you written notice within 30 days after we 
receive your signed, sworn proof of loss, we may: 
a. Repair, rebuild, or replace any part of the lost, 
damaged, or destroyed property with material or 
property of like kind and quality or its functional 
equivalent; and 
b. Take all or any part of the damaged property at 
the value we agree upon or its appraised value. 
L. No Benefit to Bailee 
No person or organization, other than you, having custody 
of covered property will benefit from this insurance. 

M. Loss Payment 
1. We will adjust all losses with you. We will pay you 
unless some other person or entity is named in the 
policy or is legally entitled to receive payment. Loss 
will be payable 60 days after we receive your proof of 
loss (or within 90 days after the insurance adjuster 
files an adjuster's report signed and sworn to by you 
in lieu of a proof of loss) and: 
a. We reach an agreement with you; 
b. There is an entry of a final judgment; or 
c. There is a filing of an appraisal award with us, as 
provided in VIII.P. 
2. If we reject your proof of loss in whole or in part you 
may: 
a. Accept such denial of your claim; 
b. Exercise your rights under this policy; or 
c. File an amended proof of loss, as long as it is 
filed within 60 days of the date of the loss. 
N. Abandonment 
You may not abandon damaged or undamaged insured 
property to us. 

O. Salvage 
We may permit you to keep damaged insured property 
after a loss, and we will reduce the amount of the loss 
proceeds payable to you under the policy by the value of 
the salvage. 

P. Appraisal 
If you and we fail to agree on the actual cash value or, if 
applicable, replacement cost of the damaged property so 
as to determine the amount of loss, then either may 
demand an appraisal of the loss. In this event, you and we 
will each choose a competent and impartial appraiser 
within 20 days after receiving a written request from the 
other. The two appraisers will choose an umpire. If they 
cannot agree upon an umpire within 15 days, you or we 
may request that the choice be made by a judge of a court 
of record in the State where the insured property is 
located. The appraisers will separately state the actual 
cash value, the replacement cost, and the amount of loss 
to each item. If the appraisers submit a written report of an 
agreement to us, the amount agreed upon will be the 
amount of loss. If they fail to agree, they will submit their 
differences to the umpire. A decision agreed to by any two 
will set the amount of actual cash value and loss, or if it 
applies, the replacement cost and loss. 

Each party will: 

1. Pay its own appraiser; and 
2. Bear the other expenses of the appraisal and umpire 
equally. 
Q. Mortgage Clause 
The word "mortgagee" includes trustee. 

Any loss payable under Coverage A - Building will be paid 
to any mortgagee of whom we have actual notice as well 
as any other mortgagee or loss payee determined to exist 
at the time of loss, and you, as interests appear. If more 
than one mortgagee is named, the order of payment will 
be the same as the order of precedence of the mortgages. 

If we deny your claim, that denial will not apply to a valid 
claim of the mortgagee, if the mortgagee: 

1. Notifies us of any change in the ownership or 
occupancy, or substantial change in risk of which the 
mortgagee is aware; 
Page 14 of 19 
POL 56 May 1, 2008 


2. Pays any premium due under this policy on demand 
if you have neglected to pay the premium; and 
3. Submits a signed, sworn proof of loss within 60 days 
after receiving notice from us of your failure to do so. 
All of the terms of this policy apply to the mortgagee. 

The mortgagee has the right to receive loss payment even 
if the mortgagee has started foreclosure or similar action 
on the building. 

If we decide to cancel or not renew this policy, it will 
continue in effect for the benefit of the mortgagee only for 
30 days after we notify the mortgagee of the cancellation 
or nonrenewal. 

If we pay the mortgagee for any loss and deny payment to 
you, we are subrogated to all the rights of the mortgagee 
granted under the mortgage on the property. Subrogation 
will not impair the right of the mortgagee to recover the full 
amount of the mortgagee's claim. 

R. Suit Against Us 
You may not sue us to recover money under this policy 
unless you have complied with all the requirements of the 
policy. If you do sue, you must start the suit within 1 year 
after the date of the written denial of all or part of the 
claim, and you must file the suit in the United States 
District Court of the district in which the insured property 
was located at the time of loss. This requirement applies 
to any claim that you may have under this policy and to 
any dispute that you may have arising out of the handling 
of any claim under the policy. 

S. Subrogation 
Whenever we make a payment for a loss under this 
policy, we are subrogated to your right to recover for that 
loss from any other person. That means that your right to 
recover for a loss that was partly or totally caused by 
someone else is automatically transferred to us, to the 
extent that we have paid you for the loss. We may require 
you to acknowledge this transfer in writing. After the loss, 
you may not give up our right to recover this money or do 
anything that would prevent us from recovering it. If you 
make any claim against any person who caused your loss 
and recover any money, you must pay us back first before 
you may keep any of that money. 

T. Continuous Lake Flooding 
1. If your insured building has been flooded by rising 
lake waters continuously for 90 days or more and it 
appears reasonably certain that a continuation of this 
flooding will result in a covered loss to the insured 
building equal to or greater than the building policy 
limits plus the deductible or the maximum payable 
under the policy for any one building loss, we will 
pay you the lesser of these two amounts without 
waiting for the further damage to occur if you sign a 
release agreeing: 
a. To make no further claim under this policy; 
b. Not to seek renewal of this policy; 
c. Not to apply for any flood insurance under the 
Act for property at the described location; and 
d. Not to seek a premium refund for current or prior 
terms. 
If the policy term ends before the insured building 
has been flooded continuously for 90 days, the 
provisions of this paragraph T.1. will apply when the 
insured building suffers a covered loss before the 
policy term ends. 

2. If your insured building is subject to continuous lake 
flooding from a closed basin lake, you may elect to file 
a claim under either paragraph T.1. above or this 
paragraph T.2. (A "closed basin lake" is a natural lake 
from which water leaves primarily through evaporation 
and whose surface area now exceeds or has exceeded 
one square mile at any time in the recorded past. Most 
of the nation's closed basin lakes are in the western 
half of the United States, where annual evaporation 
exceeds annual precipitation and where lake levels and 
surface areas are subject to considerable fluctuation 
due to wide variations in the climate. These lakes may 
overtop their basins on rare occasions.) Under this 
paragraph T.2. we will pay your claim as if the building 
is a total loss even though it has not been continuously 
inundated for 90 days, subject to the following 
conditions: 
a. Lake flood waters must damage or imminently 
threaten to damage your building. 
b. Before approval of your claim, you must: 
(1) Agree to a claim payment that reflects your 
buying back the salvage on a negotiated 
basis; and 
(2) Grant the conservation easement described in 
FEMA's "Policy Guidance for Closed Basin 
Lakes," to be recorded in the office of the local 
recorder of deeds. FEMA, in consultation with 
the community in which the property is 
located, will identify on a map an area or 
areas of special consideration (ASC) in which 
there is a potential for flood damage from 
continuous lake flooding. FEMA will give the 
community the agreed-upon map showing the 
ASC. This easement will only apply to that 
portion of the property in the ASC. It will allow 
certain agricultural and recreational uses of 
the land. The only structures that it will allow 
on any portion of the property within the ASC 
are certain simple agricultural and recreational 
structures. If any of these allowable 
structures are insurable buildings under the 
NFIP and are insured under the 
Page 15 of 19 
POL 57 May 1, 2008 


NFIP, they will not be eligible for the benefits 
of this paragraph T.2. If a U.S. Army Corps of 
Engineers certified flood control project or 
otherwise certified flood control project later 
protects the property, FEMA will, upon 
request, amend the ASC to remove areas 
protected by those projects. The restrictions of 
the easement will then no longer apply to any 
portion of the property removed from the 
ASC; and 

(3) Comply with paragraphs T.1.a. through T.1.d. 
above. 
c. Within 90 days of approval of your claim, you must 
move your building to a new location outside the 
ASC. FEMA will give you an additional 30 days to 
move if you show that there is sufficient reason to 
extend the time. 
d. Before the final payment of your claim, you must 
acquire an elevation certificate and a floodplain 
development permit from the local floodplain 
administrator for the new location of your building. 
e. Before the approval of your claim, the community 
having jurisdiction over your building must: 
(1) Adopt a permanent land use ordinance, or a 
temporary moratorium for a period not to 
exceed 6 months to be followed immediately 
by a permanent land use ordinance, that is 
consistent with the provisions specified for 
the easement required in paragraph T.2.b. 
above; 
(2) Agree to declare and report any violations of 
this ordinance to FEMA so that under Section 
1316 of the National Flood Insurance Act of 
1968, as amended, flood insurance to the 
building can be denied; and 
(3) Agree to maintain as deed-restricted, for 
purposes compatible with open space or 
agricultural or recreational use only, any 
affected property the community acquires an 
interest in. These deed restrictions must be 
consistent with the provisions of T.2.b. above, 
except that, even if a certified project protects 
the property, the land use restrictions continue 
to apply if the property was acquired under 
the Hazard Mitigation Grant Program or the 
Flood Mitigation Assistance Program. If a 
nonprofit land trust organization receives the 
property as a donation, that organization must 
maintain the property as deed-restricted, 
consistent with the provisions of paragraph 
T.2.b. above. 
f. Before the approval of your claim, the affected 
State must take all action set forth in FEMA's 
"Policy Guidance for Closed Basin Lakes." 
g. You must have NFIP flood insurance coverage 
continuously in effect from a date established by 
FEMA until you file a claim under this paragraph 
T.2. If a subsequent owner buys NFIP insurance 
that goes into effect within 60 days of the date of 
transfer of title, any gap in coverage during that 
60-day period will not be a violation of this 
continuous coverage requirement. For the purpose 
of honoring a claim under this paragraph T.2., we 
will not consider to be in effect any increased 
coverage that became effective after the date 
established by FEMA. The exception to this is any 
increased coverage in the amount suggested by 
your insurer as an inflation adjustment. 
h. This paragraph T.2. will be in effect for a 
community when the FEMA Regional Director for 
the affected region provides to the community, in 
writing, the following: 
(1) Confirmation that the community and the 
State are in compliance with the conditions in 
paragraphs T.2.e. and T.2.f. above; and 
(2) The date by which you must have flood 
insurance in effect. 
U. Duplicate Policies Not Allowed 
1. We will not insure your property under more than one 
NFIP policy. 
If we find that the duplication was not knowingly 
created, we will give you written notice. The notice will 
advise you that you may choose one of several 
options under the following procedures: 

a. If you choose to keep in effect the policy with the 
earlier effective date, you may also choose to 
add the coverage limits of the later policy to the 
limits of the earlier policy. The change will 
become effective as of the effective date of the 
later policy. 
b. If you choose to keep in effect the policy with the 
later effective date, you may also choose to add 
the coverage limits of the earlier policy to the 
limits of the later policy. The change will be 
effective as of the effective date of the later 
policy. 
In either case, you must pay the pro rata premium for 
the increased coverage limits within 30 days of the 
written notice. In no event will the resulting coverage 
limits exceed the permissible limits of coverage under 
the Act or your insurable interest, whichever is less. 

We will pay a refund to you, according to applicable 
NFIP rules, of the premium for the policy not being 
kept in effect. 

2. Your option under this Condition U. Duplicate Policies 
Not Allowed to elect which NFIP policy to keep in 
effect does not apply when duplicates have been 
knowingly created. Losses occurring under such 
Page 16 of 19 
POL 58 May 1, 2008 


circumstances will be adjusted according to the terms 
and conditions of the earlier policy. The policy with 
the later effective date will be canceled. 

V. Loss Settlement 
1. Introduction 
This policy provides three methods of settling losses: 
Replacement Cost, Special Loss Settlement, and 
Actual Cash Value. Each method is used for a 
different type of property, as explained in a.-c. below. 

a. Replacement Cost loss settlement, described in 
V.2. below, applies to buildings other than 
manufactured homes or travel trailers. 
b. Special loss settlement, described in V.3. below, 
applies to a residential condominium building 
that is a travel trailer or a manufactured home. 
c. Actual Cash Value loss settlement applies to all 
other property covered under this policy, as 
outlined in V.4. below. 
2. Replacement Cost Loss Settlement 
a. We will pay to repair or replace a damaged or 
destroyed building, after application of the 
deductible and without deduction for 
depreciation, but not more than the least of the 
following amounts: 
(1) The amount of insurance in this policy that 
applies to the building; 
(2) The replacement cost of that part of the 
building damaged, with materials of like 
kind and quality, and for like occupancy and 
use; or 
(3) The necessary amount actually spent to 
repair or replace the damaged part of the 
building for like occupancy and use. 
b. We will not be liable for any loss on a 
Replacement Cost Coverage basis unless and 
until actual repair or replacement of the damaged 
building or parts thereof is completed. 
c. If a building is rebuilt at a location other than the 
described location, we will pay no more than it 
would have cost to repair or rebuild at the 
described location, subject to all other terms of 
Replacement Cost loss settlement. 
3. Special Loss Settlement 
a. The following loss settlement conditions apply to 
a residential condominium building that is: 
(1) A manufactured home or a travel trailer, as 
defined in II.B.6.b. and c.; and 
(2) At least 16 feet wide when fully assembled 
and has an area of at least 600 square feet 
within its perimeter walls when fully 
assembled. 
b. If such a building is totally destroyed or 
damaged to such an extent that, in our judgment, 
it is not economically feasible to repair, at least to 
its predamage condition, we will, at our 
discretion, pay the least of the following amounts: 
(1) The lesser of the replacement cost of the 
manufactured home or travel trailer or 1.5 
times the actual cash value; or 
(2) The building limit of liability shown on your 
Declarations Page. 
c. If such a manufactured home or travel trailer is 
partially damaged and, in our judgment, it is 
economically feasible to repair it to its predamage 
condition, we will settle the loss according to the 
Replacement Cost loss settlement conditions in 
V.2. above. 
4. Actual Cash Value Loss Settlement 
a. The types of property noted below are subject to 
Actual Cash Value loss settlement. 
(1) Personal property; 
(2) Insured property abandoned after a loss and 
that remains as debris at the described 
location; 
(3) Outside antennas and aerials, awnings, and 
other outdoor equipment; 
(4) Carpeting and pads; 
(5) Appliances; and 
(6) A manufactured or mobile home or a travel 
trailer as defined in II.B.6.b. or c. that does 
not meet the condition for Special Loss 
Settlement in V.3. above. 
b. We will pay the least of the following amounts: 
(1) The applicable amount of insurance under 
this policy; 
(2) The actual cash value (as defined in 
II.B.2.); or 
(3) The amount it would cost to repair or replace 
the property with material of like kind and 
quality within a reasonable time after the 
loss. 
Page 17 of 19 
POL 59 May 1, 2008 


IX. LIBERALIZATION CLAUSE 
If we make a change that broadens your coverage under change, provided that this implementation date falls within 
this edition of our policy, but does not require any 60 days before, or during, the policy term stated on the 
additional premium, then that change will automatically Declarations Page. 
apply to your insurance as of the date we implement the 

X. WHAT LAW GOVERNS 
This policy and all disputes arising from the handling of National Flood Insurance Act of 1968, as amended (42 
any claim under the policy are governed exclusively by U.S.C. 4001, et seq.), and Federal common law. 
the flood insurance regulations issued by FEMA, the 

IN WITNESS WHEREOF, we have signed this policy below and hereby enter into this Insurance Agreement. 


David I. Maurstad 
Federal Insurance Administrator 
National Flood Insurance Program 

Page 18 of 19 
POL 60 May 1, 2008 


CLAIM GUIDELINES IN CASE OF A FLOOD 

For the protection of you and your family, the following claim guidelines are provided by the National Flood 
Insurance Program (NFIP). If you are ever in doubt as to what action is needed, consult your insurance 
representative or call the NFIP toll-free at 1-800-638-6620 or on the TDD line at 1-800-447-9487. 

Know your insurance representative's name and telephone number. List them here for fast reference: 

Insurance Representative ________________________________ 

Representative's Phone Number______________________________ 

 Notify us or your insurance representative, in writing, as soon as possible after the flood. 
 If you report to your insurance representative, remind him or her to assign the claim to an NFIP-
approved claims adjuster. The NFIP pays for the services of the independent claims adjuster assigned 
to your claim. 
 Determine the independent claims adjuster assigned to your claim and contact him or her if you have 
not been contacted within 24 hours after you reported the claim to your insurance representative. 
 As soon as possible, separate damaged property from undamaged property so that damage can be 
inspected and evaluated. 
 Discuss with the claims adjuster any need you may have for an advance or partial payment for your 
loss. 
 To help the claims adjuster, try to take photographs of the outside of the premises showing the flooding 
and the damage and photographs of the inside of the premises showing the height of the water and the 
damaged property. 
 Place all account books, financial records, receipts, and other loss verification material in a safe place 
for examination and evaluation by the claims adjuster. 
 Work cooperatively and promptly with the claims adjuster to determine and document all claim items. 
Be prepared to advise the claims adjuster of the cause and responsible party(ies), if the flooding 
resulted from other than natural cause. 
 Make sure that the claims adjuster fully explains, and that you fully understand, all allowances and 
procedures for processing claim payments on the basis of your proof of loss. This policy requires you to 
send us detailed proof of loss within 60 days after the loss. 
 Any and all coverage problems and claim allowance restrictions must be communicated directly from 
the NFIP. Claims adjusters are not authorized to approve or deny claims; their job is to report to the 
NFIP on the elements of flood cause and damage. 
At our option, we may accept an adjuster's report of the loss instead of your proof of loss. The adjuster's report 
will include information about your loss and the damages to your insured property. You must sign the 
adjuster's report. At our option, we may require you to swear to the report. 

F-144 (10/04) 

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FLOOD MAPS


I. OVERVIEW 
The Federal Emergency Management Agency 
(FEMA) provides all participating communities 
with copies of their flood maps. The maps are 
generally kept in community planning or building 
permit departments where they should be 
available for review. 

Additional information about flood maps can be 
obtained at the FEMA Map Service Center web 
site (http://msc.fema.gov). 

A. Types of Flood Maps 
FEMA produces two types of maps for rating 
flood insurance. For detailed information, refer 
to "Answers to Questions About the National 
Flood Insurance Program" (MitDiv-2) and "Guide 
to Flood Maps" (FEMA258). 

1. Flood Hazard Boundary Map (FHBM)-
Initial flood hazard identification generally 
used for Emergency Program communities. 
2. Flood Insurance Rate Map (FIRM)-
Generally used for Regular Program 
communities. Some Regular Program communities may use a map originally 
published as an FHBM; however, a letter 
will accompany the map in conjunction with 
conversion to the Regular Program stating 
that the map is to be considered a FIRM. 
Countywide FIRMs are official sources of 
flood risk data for several communities that 
supersede all previous versions of the 
FEMA flood hazard maps for the 
communities covered. Countywide FIRMs 
show flooding information for the entire 
geographic area of a county including the 
incorporated communities within the 
county. 

B. Map Information 
The date of the current effective map version for 
a community can be obtained by calling the 
appropriate community official or by calling the 
National Flood Insurance Program office on the 
toll-free number. Maps provide community 
name, community number, suffix, panel number, 
map type, and the map effective date. 

1. The maps may have one panel or multiple 
panels. Most Z-fold maps have multiple 
panels. Flat maps generally consist of only 
one panel. 

2. For multiple panel maps, individual panels 
are identified on a community map index. 
3. Panel numbers are listed for that 
community's map in numerical sequence. 
FHBMs and FIRMs are drawn to show: 
 Community boundaries 
 Special Flood Hazard Areas (SFHAs) 
 Area not included in a community's 
map. A community may be physically 
located within the overall geographical 
area, but actually stand on its own as a 
separate community. Therefore, this 
community would be shown on a 
separate map. 
4. Each panel has a panel number and 
community number. When there is only one 
panel (i.e., a flat map), the community 
number will consist of only six digits. 
Example: Monterey County, CA . . . 
060195-1025. The first two 
digits of the number identify the 
state, and the next four digits 
identify the community. The last 
four digits identify the map 
panel. 

5. Most FIRMs also show: 
 Rate Zones 
 Base Flood Elevations, and/or 
 Base Flood Depths 
C. Communities Without a Map 
These are communities without formally 
identified SFHAs that chose to have flood 
insurance coverage available even though the 
local flooding problems are too small to map. 
For any such community in the Regular 
Program, all areas within that community are 
treated as Zone C or X. 

MAP 1 May 1, 2008 


II. MAP ZONES 
A. Special Flood Hazard Areas (SFHAs) 
1. Zone A 
The lowest floor elevation is required and the 
Base Flood Elevations (BFEs) are not provided. 

2. Zones A1-A30 
The lowest floor elevation is required and the 
BFEs are provided. 

3. Zone AE 
Used in place of A1-A30 on some maps. 

4. Zone AH 
Shallow water depths (ponding) and/or 
unpredictable flow paths between 1 and 3 feet 
occur. BFEs are provided. 

5. Zone AO 
Shallow water paths (sheet flow) and/or 
unpredictable flow paths between 1 and 3 feet 
occur. BFEs are not provided. Base flood depths 
may be provided. 

6. Zone A99 
Enough progress has been made on a 
protective system such as dikes, dams, and 
levees to consider it complete for insurance 
rating purposes. BFEs are not provided. For the 
purpose of determining Community Rating 
System premium discounts, all AR and A99 
zones are treated as non-SFHAs. 

7. Zone AR 
Area that results from the decertification of a 
previously accredited flood protection system 
that is determined to be in the process of being 
restored to provide base flood protection. For 
the purpose of determining Community Rating 
System premium discounts, all AR and A99 
zones are treated as non-SFHAs. 

8. Zones AR/AE, AR/AH, AR/AO, AR/A1-A30, 
AR/A 
Dual flood zones that, because of flooding from 
other water sources that the flood protection 
system does not contain, will continue to be 
subject to flooding after the flood protection 
system is adequately restored. For the purpose 
of determining Community Rating System 
premium discounts, all AR and A99 zones are 
treated as non-SFHAs. 

9. Zone V 
An area that is inundated by tidal floods with 
velocity (coastal high hazard area). BFEs are 
not provided. 

10. Zones V1-V30 
Identical to V Zone, but BFEs are provided. 

11. Zone VE 
Used in place of V1-V30 on some maps. 

12. Zone VO 
An area having shallow water depths and/or 
unpredictable flow paths between 1 and 3 feet 
with velocity. 

B. Moderate, Minimal Hazard Areas 
1. Zones B, C, X 
Areas of moderate or minimal hazard subject to 
flooding from severe storm activity or local 
drainage problems. These zones may be lightly 
shaded or unshaded on the FIRM. Zone X is the 
designation for B and C Zones and is used in 
place of these zones on some maps. 

2. Zone D 
An area where the flood hazard is undetermined 
and which usually is very sparsely populated. 
The designation of Zone D can also be used for 
rating when one community incorporates 
portions of another community's area where no 
map has been prepared. 

III. LOCATING A SPECIFIC PROPERTY ON 
A MAP 
 Check the map index to identify the correct 
map panel. 
 Directly locate the property by the address 
or other information. It may help to 
compare the FHBM or FIRM to a more 
detailed map, such as an assessor's map 
or community street map. 
 Note the map color where the property is 
located. On FHBMs and FIRMs, areas 
darkly shaded are the SFHAs. On an 
FHBM, no other zone data may be given. 
On a FIRM, the zones are also given an 
MAP 2 May 1, 2008 


alpha designation. All the area within the 
boundaries indicated for a zone carries that 
one zone designation. 

 Base Flood Elevations in SFHA zones (A1A30 [or AE], AH, V1-V30 [or VE]) are 
shown within wavy lines. In some SFHA 
zones, where the BFE does not vary within 
the entire zone, the BFE is indicated in 
parentheses. If required by terrain, a BFE 
for the property may be interpolated using 
the closest BFE indicators. In this case, it is 
important to document the finding. 
IV. CHANGING OR CORRECTING A FLOOD 
MAP 
There are three procedures: 

A. Letter of Map Amendment (LOMA) 
If the applicant/insured believes that the 
requirement to purchase flood insurance was 
made in error and there is evidence that the 
building is not in the Special Flood Hazard Area 
(SFHA) on the effective Flood Insurance Rate 
Map (FIRM), the applicant/insured may apply for 
a Letter of Map Amendment (LOMA). 

A LOMA is a determination made by the Federal 
Emergency Management Agency (FEMA) for 
property and/or building as to whether it is 
located within the SFHA. LOMA determinations 
are based on the following: 

 Comparing the location of the property to the 
SFHA. 
 Comparing the elevation of the property to 
the 1-percent-annual-chance flood elevation. 
If, after plotting the location on the FIRM, the 
FEMA examiner finds that the property and/or 
building is not shown in the SFHA, then the 
Determination will be "Out As Shown," rather 
than "Removed." The FEMA Out-As-Shown 
Determination will state that the property or 
building is correctly shown outside the SFHA 
and, therefore, the mandatory flood insurance 
requirement does not apply. 

An Out-As-Shown Determination does not 
require elevations. The minimum requirements 
to make an Out-As-Shown Determination are as 
follows: 

 A photocopy of the FIRM panel (including 
the title block) that shows the area in which 
the property is located. 
 Section A of the MT-EZ form, which is found 
in the MT-EZ application package and can 
be obtained from the FEMA web site at 
www.fema.gov/plan/prevent/fhm/dl_mt

ez.shtm, or by calling the toll-free number 

listed below. 

 A copy of the subdivision Plat Map of the 
area, showing the recordation data (i.e., 
Book/Volume and Page numbers) and 
containing the recorder's seal. 
OR 

 A copy of the deed for the property, showing 
the recordation information (i.e., Book/ 
Volume and Page numbers) and containing 
the recorder's seal, accompanied by a tax 
assessor's or other suitable map showing 
the surveyed location of the property and at 
least two street intersections that are also 
shown on FEMA's FIRM. 
In some cases, additional information may be 
required to make a determination. 

Questions about LOMAs may be directed to the 
FEMA Map Assistance Center toll-free 
information line at 1-877-FEMA-MAP (1-877336-2627). 

B. Letter of Map Revision (LOMR) 
A LOMR is an official revision to the currently 
effective FEMA map. It is used to change flood 
zones, floodplain and floodway delineations, 
flood elevations, and planimetric features. All 
requests for LOMRs must be made to FEMA 
through the chief executive officer of the 
community, since it is the community that must 
adopt any changes and revisions to the map. A 
LOMR is usually followed by a physical map 
revision. 

C. Physical Map Revision 
A physical map revision is an official 
republication of a map to effect changes to flood 
insurance zones, floodplain delineations, flood 
elevations, floodways, and planimetric features. 

The community's chief executive officer can 
submit scientific and technical data to FEMA to 
support the request for a map revision. The data 
will be analyzed, and the map will be revised if 
warranted. 

NOTE: To verify past rating determinations and 
to establish floodplain management 
compliance requirements, old maps 
should be retained. 

MAP 3 May 1, 2008 


V. ORDERING FLOOD MAPS 
Flood maps and related products may be 
ordered by writing to the FEMA Map Service 
Center (MSC) at P.O. Box 1038, Jessup, MD 
20794-1038. Orders also may be placed by 
calling the MSC's toll-free number, 1-800-3589616, from 8:00 a.m. to 8:00 p.m., Monday 
through Friday. 

Information about flood maps and other products 
also is available at the Map Service Center web 
site (http://msc.fema.gov). Visitors to the site now 
can download and print free FIRMettesuserselected portions of official FEMA Flood 
Insurance Rate Maps. Regular visitors may set 
up accounts to order and pay for fee-based 
products online. 

The MSC distributes Flood Hazard Boundary 
Maps (FHBMs), Flood Insurance Rate Maps 
(FIRMs), and Flood Insurance Studies (FIS) in 
hardcopy format. Digital flood data, known as 
Q3, are available on CD ROM for approximately 
900 counties nationwide. The Q3 data require 
GIS software for use. Call the MSC at 1-800358-9616 for Q3 information for specific areas. 

A. Ordering Instructions 
Z-fold maps may be ordered by community 
number and panel number. Flat map orders 
require a 6-digit community number. When 
ordering maps, be sure to identify specific map 
panels needed. 

B. Prices 
There is a $4.00 charge for each hardcopy map 
panel, including index maps, plus shipping. Q3 
data are $50 per CD-ROM. Federal, state, and 
local governments are exempt from the fees for 
hardcopy maps. However, they must pay for Q3 
CD-ROMs. 

A chart showing MSC products, services, and 
fees is provided on pages MAP 5-6. Orders 
must be prepaid, and all sales are final. 
Overpayments of less than $3 are not refunded. 

The MSC accepts VISA, MasterCard, American 
Express, Discover, and Diners Club; deposit 
accounts (see C., following); and checks. Credit 
card and deposit account orders can be faxed to 
1-800-358-9620. Checks should be made 
payable to "NFIP" and mailed to the address 
above. 

C. Map Revisions 
To automatically receive map revisions, an 
account must be set up by either check or credit 
card. Accounts are established with a check of 
$1,500 minimum. The check should be sent to 
the MSC at the address above, along with a list 
of the required map areas. As the revised maps 
become available, they will be sent 
automatically, and appropriate fees will be 
deducted from the deposit account. 

Revised map information also may be obtained 
from the Flood Map Status Information Service 
(FMSIS) or the Community Status Book. For 
more information, call MSC at 1-800-358-9616. 

MAP 4 October 1, 2008 


MSC Products, Services, and Fees 

http://msc.fema.gov 


MAP 5 October 1, 2008 


MAP 6 May 1, 2008 


MAP 7 May 1, 2008 


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PROVISIONAL RATING 

I. GENERAL DESCRIPTION 
Provisional rating is available to enable the 
placement of coverage prior to receipt of the 
Elevation Certificate. It is expected that an 
Elevation Certificate will be secured and standard 
rating completed within 60 days of the policy 
effective date. Failure to obtain the Elevation 
Certificate 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 CRS 
Premium Discount, Probation Surcharge, and 
optional deductible factors, as applicable. The 
Federal Policy Fee and ICC Premium also apply 
to provisionally rated policies. 

II. ELIGIBILITY REQUIREMENTS 
Provisional rating is available only for newly 
insured risks meeting the following criteria: 

 Post-FIRM 
 1-4 family residential buildings 
 Property located in either 
- Zones AE, A1-A30, or 
- Zone A where the community provides 
estimated 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, standard 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. Prior to any loss, a policy may be reformed 
back to the effective date upon receipt 
of the Elevation Certificate and the 
appropriate actuarial rating. If the additional 
premium that results because of a 
reformation of the policy is not received 
from the insured, the coverage will be 
reduced. 

2. If receipt is within 60 days of the effective 
date, the policy may be reformed back to 
the effective date even if a loss occurred 
before receipt. 
3. After a loss, reformation is not permitted. A 
policy must be rated with an Elevation 
Certificate prior to any claim payment. 
Coverage will be limited to the amount that 
would have been purchased using actuarial 
rating with the amount of premium already 
submitted. The amount of coverage may 
not exceed the amount originally 
requested. 
B. Endorsement Procedure 
The provisionally rated policy may not be 
endorsed to increase coverage until the policy 
has been reformed to a standard 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 
should submit a General Change Endorsement 
form along with the necessary documentation. 
The reason for change should be listed as 
"reforming from provisional to standard rating." 
Any additional premium due should be calculated 
and submitted at that time. 

C. Endorsement Alternative 
Prior to any loss, in the case where the actuarial 
premium is higher than the provisional premium, 
an insured may elect to pay the premium due for 
the remainder of the policy term. In that case, the 
coverage will be restored to the originally 
requested amounts after a 30-day waiting period. 

IV. NOTIFICATION REQUIREMENTS 
When a policy is issued using provisional rating, 
along with the declaration pages, a notice will be 
provided to the insured, the agent, 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. 

PR 1 May 1, 2008


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 estimated BFE, A1-30, and AE where 
there is no Elevation Certificate at the point of 
sale. Eligibility is restricted to 1-4 family buildings. 
The form must be completed and attached to the 
Flood Insurance Application form. 

The following are instructions for completing the 
questionnaire. 

1. Enter the name, 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 in 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 below. 
5. To complete the Flood Insurance Application, 
attach the questionnaire and use the rates in 
the table indicated by the answers to the 
questions 1-4. Then 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 
It is often difficult to recognize when a building 
has been elevated on fill. The following questions 
are provided to help in correctly determining this 
for the questionnaire. 

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 towards 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 is "yes" to one of the above, then 
there is reasonable confidence that the building is 
built on fill. 

PR 2 May 1, 2008 


NATIONAL FLOOD INSURANCE PROGRAM 
PROVISIONAL RATING QUESTIONNAIRE 


1-4 Family Post-FIRM Zones A1, A1-A30, AE 
(To be attached to the Flood Insurance Application) 

NAME POLICY NUMBER _____________________ 
PROPERTY ADDRESS Policy Period is from to ________ 

Answer the questions below. Use the rates associated with the first "yes" response. These rates are to be 
used on the Flood Insurance Application. 

Yes No 
. .. 1. Is there a basement? 
. .. 2. Is the house built on fill2 or with a crawl space? 
. .. 3. Is the house elevated on pilings, piers, or columns? 
If yes, determine if there is an enclosed area underneath the building. 
. .. 4. Were the answers to the previous three questions all no? 
Then the house is assumed to be slab on natural grade. 

FOUNDATION 
TYPE 
BUILDING TYPE* CONTENTS LOCATIONOne Floor 
No Basement 
More Than 
One Floor 
(Basement or 
No Basement) 
Basement 
and Above 
Lowest Floor 
Only - Above 
Ground Level 
(Not in 
Basement) 
Lowest Floor 
Above Ground 
Level and 
Higher (Not in 
Basement) 
Above3 
Ground 
Level -
More Than 
One Full 
Floor 
Basement 1.23/.66 1.29/.13 .96/.13 .68/.13 .35/.12 
Fill or Crawl Space .88/.34 .88/.34 1.49/.62 .95/.45 .35/.12 
Piles, Piers, or 
Columns 
With Enclosure 
No Enclosure 
.88/.08 
.53/.08 
.88/.08 
.46/.08 
1.40/.14 
1.04/.14 
1.09/.13 
.73/.13 
.35/.12 
.35/.12 
On Grade 3.58/2.15 3.58/2.15 6.77/4.07 6.77/4.07 .35/.12

 * Add $6 ICC Premium and $50.00 Probation Surcharge, if applicable, for all provisionally rated policies. 
1 

Provisional Rates are restricted to Unnumbered A Zones where communities provide estimated BFEs. 

2 

For information on how to determine if a house is built on fill, see the guidelines on PR 2. 

3 

The Above Ground Level - More Than One Full Floor'' rates are applicable to 2-4 family structures only. 

PR 3 May 1, 2008 


VI. PROVISIONAL RATING EXAMPLE 
REGULAR PROGRAM, POST-FIRM CONSTRUCTION 

Data Essential To Determine Appropriate Rates and Premium: 

 Regular Program 
 Flood Zone: A with estimated BFE, AE, or A1-A30 
 Occupancy: Single Family Dwelling 
 # of Floors: 3 Floors 
 Basement/Enclosure: Basement 
 Deductible: $3,000/$2,000 
 Deductible Factor: .850 
 Contents Location: Basement and Above 
 Date of Construction: Post-FIRM 
 Elevation Difference: N/A 
 Flood Proofed Yes/No: No 
 Building Coverage: $250,000 
 Contents Coverage: $100,000 
 ICC Premium: $6 
 CRS Rating: N/A 
 CRS Discount: N/A 
 Probation Surcharge: $50 
Determined Rates: 

Building: 1.23/.66 Contents: 1.29/.13 

COVERAGE 
BASIC LIMITS ADDITIONAL LIMITS 
(REGULAR PROGRAM ONLY) DEDUCTIBLE 
BASIC AND 
ADDITIONAL 
TOTAL 
PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
AMOUNT OF 
INSURANCE RATE 
ANNUAL 
PREMIUM 
PREM. 
REDUCTION/ 
INCREASE 
TOTAL 
AMOUNT OF 
INSURANCE 
BUILDING 50,000 1.23 615 200,000 .66 1,320 290 250,000 1,645 
CONTENTS 20,000 1.29 258 80,000 .13 104 54 100,000 308 
RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) 
.. MANUAL .. SUBMIT FOR RATING 
.. ALTERNATIVE .. V-ZONE RISK RATING FORM 
.. MORTGAGE PORTFOLIO PROTECTION PROGRAM 
.. PROVISIONAL RATING 
PAYMENTOPTION: 
.. CREDIT CARD 
.. OTHER: 
ANNUAL SUBTOTAL 1,953 
ICC PREMIUM 6 
SUBTOTAL 1,959 
CRS PREMIUM DISCOUNT % . 
SUBTOTAL 1,959 
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND PROBATION SURCHARGE 50 
THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER FEDERAL POLICY FEE 35 
APPLICABLE FEDERAL LAW. 
SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) 
TOTAL PREPAID AMOUNT 2,044 

Premium Calculation: 

1. Multiply Rate x $100 of Coverage: Building: $1,935 / Contents: $362 
2. Apply Deductible Factor: Building: .850 x $1,935 = $1,645 / Contents: .850 x $362 = $308 
3. Premium Reduction: Building: $290 / Contents: $54 
4. Subtotal: $1,953 
5. Add ICC Premium: $6 
6. Subtract CRS Discount: N/A 
7. Subtotal: $1,959 
8. Probation Surcharge: $50 
9. Add Federal Policy Fee: $35 
10. Total Prepaid Amount: $2,044 
PR 4 May 1, 2008 


SAMPLE NOTICE TO ACCOMPANY PROVISIONALLY RATED POLICIES 

At the request of you and your agent, 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 within 60 days of your policy 
becoming effective. Your agent can assist you in obtaining a certificate. 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 within 60 days of the policy effective date, we receive from you a valid Elevation Certificate with any 
additional premium due as a result of using actuarial rates, the coverage limits on the enclosed 
declarations page will be in force from the effective date. 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 two 
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. 
If you have any questions, please contact your insurance agent for assistance. 


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PR 5 May 1, 2008 


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COASTAL BARRIER RESOURCES SYSTEM 

The Coastal Barrier Resources Act (Pub. L. 97348) 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 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 if a building is eligible for flood 
insurance coverage, the 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 an OPA. 

A listing of map panels that have CBRS areas is 
available for review on the FEMA website at 
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 Flood Insurance Rate Map (FIRM) 
panel contains a portion of the CBRS or an OPA. 
Further study of the FIRM and property location 
and/or the buildings 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 OPA requires that: 

 For CBRS areas: 
- A legally valid building permit for the 
construction of the building was issued 
prior to November 16, 1990; and 

- The actual start of construction of the 
building was prior to November 16, 1990; 
and 

- The building was not substantially 
improved or substantially damaged on or 
after November 16, 1990. 

 For OPAs: 
- A legally valid building permit for the 
construction of the building was issued 
prior to November 16, 1991; and 

- A building in an OPA was built (walled and 
roofed) no later than November 16, 1991; 
and 

- The building was not substantially 
improved or substantially damaged after 
November 16, 1991. 

OR 

- 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. 

CBRS 1 May 1, 2008 


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 producer writing through the NFIP 
Direct: 

 For buildings built on or after the date the 
insurance prohibition became effective, a 
legible copy of the current map panel 
indicating that the building is not in a CBRS 
area or OPA. 
 For buildings in CBRS areas and OPAs 
- A legally valid building permit, or if the 
building permit was lost or destroyed, a 
written statement to this effect signed by 
the community official responsible for the 
building permits will be accepted in lieu of 
the building permit; and 

- A statement by a responsible community 
official that: 

1. The walls and roof of the building were 
in place (1982 Act) or the start of 
construction took place (1990 Act), 
before the date the insurance 
prohibition became effective, and 
2. The building was not substantially 
improved or substantially damaged on 
or after the date the insurance 
prohibition became effective. 
- Other forms of acceptable documentation 
include: 

1. First mortgage financing records 
2. Property tax records 
3. Electrical permit records 
4. On-site septic or sewer system records 
5. State Coastal Zone Management 
Agency records 
6. State Wetlands Program permit 
records 
 For structures in OPAs only 
- Certification from the governmental body 
overseeing the area indicating that a 
building in an OPA is used in a manner 
consistent with the purpose for which the 
area is protected may be submitted in lieu 
of the above documentation. 

If a producer writing through the NFIP Direct is 
uncertain whether a building is located in a CBRS 
area or an OPA, the following procedure should 
be used: 

 Do not collect the premium. 
 Mark the Application Possible CBRS. 
 Attach a legible copy of the map panel 
showing the community number, map suffix, 
and FIRM date. Mark the risks location on 
the FIRM. 
 Attach a copy of a plat survey or tax map. 
 Provide a copy of a county or municipal street 
map that shows the area surrounding the 
property location and has the risks location 
clearly marked. Also provide, if available, an 
aerial photograph that shows the property in 
question, a metes and bounds description of 
the location, and/or the latitude and longitude 
of the property. 
 Provide a statement explaining the 
mechanism used to identify whether the 
property is located inside or outside the 
CBRS/OPA (e.g., contacted communitys Tax 
Office). 
 Mail all documentation listed above and a 
readable photocopy of the Application to the 
NFIP Servicing Agent, P.O. Box 29138, 
Shawnee Mission, KS 66201-9138. 
An agent writing through a Write Your Own 
Company should contact that company for 
guidance. 

CBRS 2 May 1, 2008 


COASTAL BARRIER RESOURCES SYSTEM


LIST OF COMMUNITIES 

COMMUNITY NAME STATE 
COMMUNITY 
NUMBER 
COASTAL 
BARRIER 
AREA(S) 
OTHERWISE 
PROTECTED 
AREA(S) 
Baldwin County (Uninc. Areas) AL 015000 Y Y 
Dauphin Island (Town) AL 010418 Y Y 
Gulf Shores (Town) AL 015005 N Y 
Mobile County (Uninc. Areas) AL 015008 Y Y 
Orange Beach (City) AL 015011 N Y 
Branford (Town) CT 090073 Y N 
Bridgeport (City) CT 090002 Y Y 
Clinton (Town) CT 090061 Y Y 
East Lyme (Town) CT 090096 Y N 
Fenwick (Borough) CT 090187 Y N 
Groton (City) CT 090126 Y N 
Groton (Town) CT 090097 Y Y 
Groton Long Point Association CT 090167 Y N 
Madison (Town) CT 090079 Y N 
Milford (City) CT 090082 Y Y 
New Haven (City) CT 090084 N Y 
New London (City) CT 090100 Y N 
Norwalk (City) CT 090012 Y Y 
Old Lyme (Town) CT 090103 Y N 
Old Saybrook (Town) CT 090069 Y N 
Stonington (Borough) CT 090193 Y N 
Stonington (Town) CT 090106 Y N 
Stratford (Town) CT 090016 N Y 
Waterford (Town) CT 090107 Y N 
West Haven (City) CT 090092 N Y 
Westbrook (Town) CT 090070 Y N 
Westport (Town) CT 090019 Y Y 
Kent County (Uninc. Areas) DE 100001 Y Y 
Lewes (City) DE 100041 N Y 
Little Creek (Town) DE 100015 N Y 
Rehoboth Beach (City) DE 105086 Y Y 
Slaughter Beach (Town) DE 100050 Y Y 
Sussex County (Uninc. Areas) DE 100029 Y Y 
Bay County (Uninc. Areas) FL 120004 N Y 
Bradenton Beach (City) FL 125091 N Y 
Brevard County (Uninc. Areas) FL 125092 N Y 
Cedar Key (City) FL 120373 N Y 
Charlotte County (Uninc. Areas) FL 120061 N Y 
Clearwater (City) FL 125096 N Y 
Collier County (Uninc. Areas) FL 120067 N Y 
Dania Beach (City) FL 120034 N Y 
Destin (City) FL 125158 N Y 
Dixie County (Uninc. Areas) FL 120336 N Y 
Dunedin (City) FL 125103 N Y 

CBRS 3 May 1, 2008 


COASTAL BARRIER RESOURCES SYSTEM


LIST OF COMMUNITIES

COMMUNITY NAME STATE 
COMMUNITY 
NUMBER 
COASTAL 
BARRIER 
AREA(S) 
OTHERWISE 
PROTECTED 
AREA(S) 
Escambia County (Uninc. Areas) FL 120080 Y Y 
Fernandina Beach (City) FL 120172 N Y 
Flagler County (Uninc. Areas) FL 120085 N Y 
Fort Lauderdale (City) FL 125105 N Y 
Fort Pierce (City) FL 120286 N Y 
Franklin County (Uninc. Areas) FL 120088 Y Y 
Gulf Breeze (City) FL 120275 Y Y 
Gulf County (Uninc. Areas) FL 120098 Y Y 
Hillsborough County (Uninc. Areas) FL 120112 Y Y 
Hollywood (City) FL 125113 N Y 
Indian River County (Uninc. Areas) FL 120119 N Y 
Islamorada (Village) FL 120424 Y Y 
Islandia (City) FL 120647 Y Y 
Jacksonville (City) FL 120077 N Y 
Jupiter (Town) FL 125119 N Y 
Jupiter Island (Town) FL 120162 Y Y 
Key Biscayne (Village) FL 120648 N Y 
Layton (City) FL 120169 N Y 
Lee County (Uninc. Areas) FL 125124 Y Y 
Levy County (Uninc. Areas) FL 120145 N Y 
Longboat Key (Town) FL 125126 N Y 
Malabar (Town) FL 120024 N Y 
Manatee County (Uninc. Areas) FL 120153 Y Y 
Marathon (City) FL 120681 Y N 
Martin County (Uninc. Areas) FL 120161 Y Y 
Miami (City) FL 120650 N Y 
Miami-Dade County (Uninc. Areas) FL 120635 Y Y 
Monroe County (Uninc. Areas) FL 125129 Y Y 
Naples (City) FL 125130 N Y 
Nassau County (Uninc. Areas) FL 120170 N Y 
New Smyrna Beach (City) FL 125132 N Y 
North Palm Beach (Village) FL 120217 N Y 
Oak Hill (City) FL 120624 N Y 
Okaloosa County (Uninc. Areas) FL 120173 N Y 
Orchid (Town) FL 120122 N Y 
Palm Bay (City) FL 120404 N Y 
Palm Beach County (Uninc. Areas) FL 120192 N Y 
Pasco County (Uninc. Areas) FL 120230 N Y 
Pensacola Beach-SRIA FL 125138 Y Y 
Pinellas County (Uninc. Areas) FL 125139 N Y 
Ponce Inlet (Town) FL 120312 N Y 
Port St. Joe (City) FL 120099 N Y 
Port St. Lucie (City) FL 120287 N Y 
Riviera Beach (City) FL 125142 N Y 
Sanibel (City) FL 120402 N Y 

 CBRS 4 May 1, 2008 


COASTAL BARRIER RESOURCES SYSTEM


LIST OF COMMUNITIES 

COMMUNITY NAME STATE 
COMMUNITY 
NUMBER 
COASTAL 
BARRIER 
AREA(S) 
OTHERWISE 
PROTECTED 
AREA(S) 
Santa Rosa County (Uninc. Areas) FL 120274 Y Y 
Sarasota (City) FL 125150 N Y 
Sarasota County (Uninc. Areas) FL 125144 N Y 
Sewall's Point (Town) FL 120164 N Y 
St. Augustine (City) FL 125145 N Y 
St. Augustine Beach (City) FL 125146 N Y 
St. Johns County (Uninc. Areas) FL 125147 N Y 
St. Lucie County (Uninc. Areas) FL 120285 Y Y 
St. Petersburg (City) FL 125148 N Y 
Titusville (City) FL 125152 N Y 
Venice (City) FL 125154 N Y 
Volusia County (Uninc. Areas) FL 125155 N Y 
Wakulla County (Uninc. Areas) FL 120315 N Y 
Walton County (Uninc. Areas) FL 120317 Y Y 
Bryan County (Uninc. Areas) GA 130016 N Y 
Camden County (Uninc. Areas) GA 130262 Y Y 
Chatham County (Uninc. Areas) GA 130030 Y Y 
Glynn County (Uninc. Areas) GA 130092 Y Y 
Jekyll Island State Park Authority GA 130201 N Y 
Liberty County (Uninc. Areas) GA 130123 N Y 
McIntosh County (Uninc. Areas) GA 130130 N Y 
Cameron Parish (Uninc. Areas) LA 225194 Y Y 
Grand Isle (Town) LA 225197 Y Y 
Iberia Parish (Uninc. Areas) LA 220078 N Y 
Jefferson Parish (Uninc. Areas) LA 225199 Y Y 
La Fourche Parish (Unincorp.) LA 225202 Y N 
Plaquemines Parish (Unincorp.) LA 220139 Y Y 
St. Bernard Parish (Unincorp.) LA 225204 Y Y 
St. Mary Parish (Uninc. Areas) LA 220192 Y N 
Terrebonne Parish (Unincorp.) LA 225206 Y N 
Vermilion Parish (Unincorp.) LA 220221 Y Y 
Aquinnah (Town) MA 250070 Y Y 
Barnstable (Town) MA 250001 Y Y 
Beverly (City) MA 250077 Y N 
Boston (City) MA 250286 Y Y 
Bourne (Town) MA 255210 Y N 
Brewster (Town) MA 250003 Y N 
Chatham (Town) MA 250004 Y Y 
Chilmark (Town) MA 250068 Y Y 
Cohasset (Town) MA 250236 Y N 
Dartmouth (Town) MA 250051 Y Y 
Dennis (Town) MA 250005 Y Y 
Duxbury (Town) MA 250263 Y N 
Eastham (Town) MA 250006 Y Y 
Edgartown (Town) MA 250069 Y Y 

CBRS 5 May 1, 2008 


COASTAL BARRIER RESOURCES SYSTEM


LIST OF COMMUNITIES 

COMMUNITY NAME STATE 
COMMUNITY 
NUMBER 
COASTAL 
BARRIER 
AREA(S) 
OTHERWISE 
PROTECTED 
AREA(S) 
Essex (Town) MA 250080 Y N 
Fairhaven (Town) MA 250054 Y N 
Falmouth (Town) MA 255211 Y N 
Gloucester (City) MA 250082 Y N 
Gosnold (Town) MA 250071 Y Y 
Hull (Town) MA 250269 Y N 
Ipswich (Town) MA 250086 Y Y 
Kingston (Town) MA 250270 Y N 
Manchester (Town) MA 250090 Y N 
Marion (Town) MA 255213 Y N 
Marshfield (Town) MA 250273 Y N 
Mashpee (Town) MA 250009 Y Y 
Mattapoisett (Town) MA 255214 Y N 
Nantucket (Town) MA 250230 Y N 
Newbury (Town) MA 250096 N Y 
Oak Bluffs (Town) MA 250072 Y Y 
Orleans (Town) MA 250010 Y Y 
Plymouth (Town) MA 250278 Y N 
Provincetown (Town) MA 255218 N Y 
Quincy (City) MA 255219 N Y 
Rockport (Town) MA 250100 Y N 
Rowley (Town) MA 250101 N Y 
Salisbury (Town) MA 250103 N Y 
Sandwich (Town) MA 250012 Y Y 
Scituate (Town) MA 250282 Y N 
Swampscott (Town) MA 250105 Y N 
Swansea (Town) MA 255221 Y N 
Tisbury (Town) MA 250073 Y N 
Truro (Town) MA 255222 Y Y 
Wareham (Town) MA 255223 Y N 
Wellfleet (Town) MA 250014 N Y 
West Tisbury (Town) MA 250074 Y N 
Westport (Town) MA 255224 Y Y 
Winthrop (Town) MA 250289 N Y 
Yarmouth (Town) MA 250015 Y Y 
Calvert County (Uninc. Areas) MD 240011 Y Y 
Crisfield (City) MD 240062 N Y 
Dorchester County (Uninc. Areas) MD 240026 Y Y 
Kent County (Uninc. Areas) MD 240045 Y Y 
Queen Annes County (Uninc. Areas) MD 240054 Y N 
Somerset County (Uninc. Areas) MD 240061 Y Y 
St. Marys County (Unin. Areas) MD 240064 Y Y 
Talbot County (Uninc. Areas) MD 240066 Y N 
Wicomico County (Uninc. Areas) MD 240078 Y N 

CBRS 6 May 1, 2008 


COASTAL BARRIER RESOURCES SYSTEM


LIST OF COMMUNITIES 

COMMUNITY NAME STATE 
COMMUNITY 
NUMBER 
COASTAL 
BARRIER 
AREA(S) 
OTHERWISE 
PROTECTED 
AREA(S) 
Worcester County (Uninc. Areas) MD 240083 N Y 
Andrews Island ME 230967 Y N 
Cape Elizabeth (Town) ME 230043 Y Y 
Cranberry Isles (Town) ME 230278 Y N 
Cumberland (Town) ME 230162 Y N 
Cutler (Town) ME 230310 Y Y 
Georgetown (Town) ME 230209 N Y 
Harpswell (Town) ME 230169 Y N 
Harrington (Town) ME 230314 Y N 
Islesboro (Town) ME 230256 Y N 
Jonesport (Town) ME 230138 Y N 
Kennebunk (Town) ME 230151 Y N 
Kittery (Town) ME 230171 Y N 
Lubec (Town) ME 230139 Y N 
Machiasport (Town) ME 230141 Y N 
Milbridge (Town) ME 230142 N Y 
Ogunquit (Town) ME 230632 N Y 
Perry (Town) ME 230319 Y N 
Phippsburg (Town) ME 230120 Y Y 
Portland (City) ME 230051 Y N 
Roque Bluffs (Town) ME 230322 Y Y 
Scarborough (Town) ME 230052 Y N 
Steuben (Town) ME 230323 Y Y 
Wells (Town) ME 230158 Y Y 
York (Town) ME 230159 Y N 
Alpena (City) MI 260010 Y N 
Alpena (Township) MI 260011 Y N 
Arcadia (Township) MI 260306 Y N 
Bay De Noc (Township) MI 260685 Y N 
Blaine (Township) MI 260027 Y N 
Brownstown (Charter Township) MI 260218 Y N 
Cedarville (Township) MI 260659 Y N 
Clark (Township) MI 260759 Y N 
Detour (Township) MI 260775 Y N 
Drummond Island (Township) MI 260803 Y N 
Ensign (Township) MI 260752 Y N 
Frenchtown (Charter Township) MI 260146 Y N 
Garfield (Township) MI 260766 Y N 
Hendricks (Township) MI 260806 Y N 
Houghton (Township) MI 260799 Y N 
Hudson (Township) MI 260807 Y N 
Huron (Township) MI 260415 Y N 
LaSalle (Township) MI 260148 Y N 
Luna Pier (City) MI 260150 Y N 

CBRS 7 May 1, 2008 


COASTAL BARRIER RESOURCES SYSTEM


LIST OF COMMUNITIES 

COMMUNITY NAME STATE 
COMMUNITY 
NUMBER 
COASTAL 
BARRIER 
AREA(S) 
OTHERWISE 
PROTECTED 
AREA(S) 
Moran (Township) MI 260443 Y N 
Onota (Township) MI 260345 Y N 
Port Austin (Township) MI 260290 Y N 
Powell (Township) MI 260452 Y N 
St. Ignace (Township) MI 260444 Y N 
White River (Township) MI 260299 Y N 
Whitefish (Township) MI 260321 Y N 
Whitney (Township) MI 260018 Y N 
Duluth (City) MN 270421 Y N 
Gautier (City) MS 280332 Y N 
Hancock County (Uninc. Areas) MS 285254 Y N 
Harrison County (Uninc. Areas) MS 285255 Y Y 
Jackson County (Uninc. Areas) MS 285256 Y Y 
Ocean Springs (City) MS 285259 Y N 
Bald Head Island (Village) NC 370442 N Y 
Brunswick County (Uninc. Areas) NC 370295 Y Y 
Carolina Beach (Town) NC 375347 Y N 
Carteret County (Uninc. Areas) NC 370043 N Y 
Currituck County (Uninc. Areas) NC 370078 Y Y 
Dare County (Uninc. Areas) NC 375348 Y Y 
Hyde County (Uninc. Areas) NC 370133 N Y 
Kill Devil Hills (Town) NC 375353 Y N 
Kure Beach (Town) NC 370170 N Y 
Nags Head (Town) NC 375356 Y Y 
New Hanover County (Uninc. Areas) NC 370168 Y Y 
North Topsail Beach (Town) NC 370466 Y N 
Onslow County (Uninc. Areas) NC 370340 Y Y 
Pender County (Uninc. Areas) NC 370344 Y N 
Pine Knoll Shores (Town) NC 370267 N Y 
Sunset Beach (Town) NC 375359 Y N 
Swansboro (Town) NC 370179 N Y 
Wilmington (City) NC 370171 Y Y 
Wrightsville Beach (Town) NC 375361 Y N 
Aberdeen (Township) NJ 340312 N Y 
Bass River (Township) NJ 340085 N Y 
Berkeley (Township) NJ 340369 N Y 
Brick (Township) NJ 345285 Y Y 
Brigantine (City) NJ 345286 N Y 
Cape May City (City) NJ 345288 N Y 
Dennis (Township) NJ 340552 Y Y 
Galloway (Township) NJ 340008 N Y 
Highlands (Borough) NJ 345297 N Y 
Keyport (Borough) NJ 340304 Y N 
Lacey (Township) NJ 340376 N Y 

CBRS 8 May 1, 2008 


COASTAL BARRIER RESOURCES SYSTEM


LIST OF COMMUNITIES 

COMMUNITY NAME STATE 
COMMUNITY 
NUMBER 
COASTAL 
BARRIER 
AREA(S) 
OTHERWISE 
PROTECTED 
AREA(S) 
Little Egg Harbor (Township) NJ 340380 N Y 
Long Beach (Township) NJ 345301 N Y 
Lower (Township) NJ 340153 N Y 
Maurice River (Township) NJ 340172 Y Y 
Middle (Township) NJ 340154 Y Y 
Middletown (Township) NJ 340313 Y N 
Monmouth Beach (Borough) NJ 340315 Y N 
North Wildwood (City) NJ 345308 Y N 
Ocean City (City) NJ 345310 N Y 
Old Bridge (Township) NJ 340265 Y N 
Port Republic (City) NJ 340016 N Y 
Rumson (Borough) NJ 345316 Y N 
Sea Bright (Borough) NJ 345317 Y Y 
Stafford (Township) NJ 340393 Y Y 
Stone Harbor (Borough) NJ 345323 Y N 
Union Beach (Borough) NJ 340331 Y N 
Upper (Township) NJ 340159 N Y 
West Cape May (Borough) NJ 340160 N Y 
Asharoken (Village) NY 365333 Y N 
Babylon (Town) NY 360790 Y Y 
Bayville (Village) NY 360988 N Y 
Belle Terre (Village) NY 361532 Y N 
Brookhaven (Town) NY 365334 Y Y 
Brownville (Town) NY 361063 Y N 
Cape Vincent (Town) NY 361062 Y N 
East Hampton (Town) NY 360794 Y Y 
East Hampton (Village) NY 360795 Y N 
Ellisburg (Town) NY 360334 Y N 
Evans (Town) NY 360240 Y N 
Freeport (Village) NY 360464 Y N 
Glen Cove (City) NY 360465 N Y 
Head of the Harbor (Village) NY 361513 Y N 
Hempstead (Town) NY 360467 Y Y 
Henderson (Town) NY 360338 Y N 
Hounsfield (Town) NY 360340 Y N 
Huntington (Town) NY 360796 Y Y 
Huntington Bay (Village) NY 361543 Y N 
Islip (Township) NY 365337 Y Y 
Lattingtown (Village) NY 360474 Y Y 
Lloyd Harbor (Village) NY 360799 Y Y 
Lyme (Town) NY 360343 Y N 
New Haven (Town) NY 360655 Y N 
New York (City) NY 360497 N Y 
Nissequogue (Village) NY 361510 Y N 

CBRS 9 May 1, 2008 


COASTAL BARRIER RESOURCES SYSTEM


LIST OF COMMUNITIES 

COMMUNITY NAME STATE 
COMMUNITY 
NUMBER 
COASTAL 
BARRIER 
AREA(S) 
OTHERWISE 
PROTECTED 
AREA(S) 
North Haven (Village) NY 360800 Y Y 
Old Field (Village) NY 361545 Y N 
Oswego (City) NY 360656 Y N 
Oswego (Town) NY 360657 Y N 
Oyster Bay (Town) NY 360483 Y Y 
Parma (Town) NY 360425 Y N 
Poquott (Village) NY 361518 Y N 
Port Jefferson (Village) NY 360804 Y Y 
Richland (Town) NY 360660 Y N 
Riverhead (Town) NY 360805 Y Y 
Sands Point (Village) NY 360492 Y Y 
Sandy Creek (Town) NY 360661 Y N 
Scriba (Town) NY 360663 Y N 
Shelter Island (Town) NY 360809 Y N 
Smithtown (Town) NY 360810 Y N 
Sodus (Town) NY 360898 Y N 
Southampton (Town) NY 365342 Y Y 
Southampton (Village) NY 365343 Y N 
Southold (Town) NY 360813 Y Y 
Sterling (Town) NY 360126 Y N 
Wolcott (Town) NY 360901 Y N 
Erie County (Uninc. Areas) OH 390153 Y N 
Grand River (Village) OH 390315 Y N 
Kelleys Island (Village) OH 390738 Y N 
Lake County (Uninc. Areas) OH 390771 Y N 
Mentor (City) OH 390317 Y N 
Ottawa County (Uninc. Areas) OH 390432 Y N 
Puerto Rico (Commonwealth) PR 720000 N Y 
Barrington (Town) RI 445392 Y N 
Bristol (Town) RI 445393 Y N 
Charlestown (Town) RI 445395 Y Y 
Jamestown (City) RI 445399 Y Y 
Little Compton (Town) RI 440035 Y Y 
Middletown (Town) RI 445401 N Y 
Narragansett (Town) RI 445402 Y Y 
New Shoreham (Town) RI 440036 Y Y 
Newport (City) RI 445403 Y Y 
North Kingstown (Town) RI 445404 Y N 
Portsmouth (Town) RI 445405 Y Y 
South Kingstown (Town) RI 445407 Y Y 
Tiverton (Town) RI 440012 Y N 
Warren (Town) RI 445408 Y N 
Warwick (City) RI 445409 Y Y 
Westerly (Town) RI 445410 Y Y 

CBRS 10 May 1, 2008 


COASTAL BARRIER RESOURCES SYSTEM


LIST OF COMMUNITIES 

COMMUNITY NAME STATE 
COMMUNITY 
NUMBER 
COASTAL 
BARRIER 
AREA(S) 
OTHERWISE 
PROTECTED 
AREA(S) 
Awendaw (Town) SC 450262 N Y 
Beaufort County (Uninc. Areas) SC 450025 Y Y 
Briarcliffe Acres (Town) SC 450232 Y N 
Charleston (City) SC 455412 Y N 
Charleston County (Uninc. Areas) SC 455413 Y Y 
Colleton County (Uninc. Areas) SC 450056 Y Y 
Edisto Beach (Town) SC 455414 N Y 
Folly Beach (City) SC 455415 Y Y 
Georgetown County (Uninc. Areas) SC 450085 Y Y 
Horry County (Uninc. Areas) SC 450104 Y N 
Jasper County (Uninc. Areas) SC 450112 N Y 
Kiawah Island (Town) SC 450257 Y N 
McClellanville (Town) SC 450039 N Y 
Mount Pleasant (Town) SC 455417 Y N 
North Myrtle Beach (Town) SC 450110 Y N 
Pawleys Island (Town) SC 450255 Y N 
Seabrook Island (Town) SC 450256 Y N 
Aransas County (Uninc. Areas) TX 485452 Y Y 
Aransas Pass (City) TX 485453 N Y 
Brazoria County (Uninc. Areas) TX 485458 Y Y 
Calhoun County (Uninc. Areas) TX 480097 Y Y 
Cameron County (Uninc. Areas) TX 480101 Y Y 
Chambers County (Uninc. Areas) TX 480119 Y N 
Corpus Christi (City) TX 485464 Y Y 
Galveston (City) TX 485469 N Y 
Galveston County (Uninc. Areas) TX 485470 Y Y 
Jefferson County (Uninc. Areas) TX 480385 Y Y 
Kenedy County (Uninc. Areas) TX 481230 N Y 
Kleberg County (Uninc. Areas) TX 480423 Y Y 
Matagorda County (Uninc. Areas) TX 485489 Y Y 
Nueces County (Uninc. Areas) TX 485494 N Y 
Port Aransas (City) TX 485498 N Y 
Port Arthur (City) TX 485499 Y Y 
Quintana (Village) TX 481301 Y N 
South Padre Island (Town) TX 480115 N Y 
Texas City (City) TX 485514 Y Y 
Willacy County (Uninc. Areas) TX 480664 Y Y 
Accomack County (Uninc. Areas) VA 510001 Y Y 
Gloucester County (Uninc. Areas) VA 510071 Y N 
Hampton (City) VA 515527 Y Y 
Lancaster County (Uninc. Areas) VA 510084 Y N 
Mathews County (Uninc. Areas) VA 510096 Y N 
Middlesex County (Uninc. Areas) VA 510098 Y N 
Northampton County (Uninc. Areas) VA 510105 Y Y 

CBRS 11 May 1, 2008 


COASTAL BARRIER RESOURCES SYSTEM


LIST OF COMMUNITIES 

COMMUNITY NAME STATE 
COMMUNITY 
NUMBER 
COASTAL 
BARRIER 
AREA(S) 
OTHERWISE 
PROTECTED 
AREA(S) 
Northumberland County (Uninc. Areas) VA 510107 Y N 
Poquoson (City) VA 510183 N Y 
Tangier (Town) VA 510004 Y N 
Virginia Beach (City) VA 515531 N Y 
Westmoreland County (Uninc. Areas) VA 510250 Y N 
Virgin Islands (Territory) VI 780000 Y Y 
Bayfield County (Uninc. Areas) WI 550539 Y N 
Brown County (Uninc. Areas) WI 550020 Y N 
Manitowoc County (Uninc. Areas) WI 550236 Y N 
Marinette County (Uninc. Areas) WI 550259 Y N 


(TABLE OF CONTENTS) TABLE OF CONTENTS
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CBRS 12 May 1, 2008 


(PREVIOUS SECTION) PREVIOUS SECTION
(TABLE OF CONTENTS) TABLE OF CONTENTS
(NEXT SECTION) NEXT SECTION
COMMUNITY RATING SYSTEM 

I. GENERAL DESCRIPTION 
The Community Rating System (CRS) is a 
voluntary program for NFIP-participating communities. (See list, following.) The goals of the CRS 
are to reduce flood damages to insurable 
property, strengthen and support the insurance 
aspects of the NFIP, and encourage a comprehensive approach to floodplain management. 

The CRS has been developed to provide 
incentives in the form of premium discounts for 
communities to go beyond the minimum floodplain 
management requirements to develop extra 
measures to provide protection from flooding. 

II. ELIGIBILITY 
For a community to be eligible, the community 
must be in full compliance with the NFIP and be 
in the Regular phase of the program. 

The following categories are not eligible for CRS 
premium discounts: 

 Emergency Program communities 
 Preferred Risk Policies 
 Mortgage Portfolio Protection Program policies 
 Post-FIRM structures located in a Special Flood 
Hazard Area (SFHA) where the lowest floor elevation used for rating is at least 1 foot or more 
below the Base Flood Elevation (BFE), with the 
exception of (1) Post-FIRM V-Zone buildings with 
unfinished breakaway wall enclosures and 
machinery or equipment at or above the BFE, 
and (2) subgrade crawl spaces with certification 
from a community official (see IV.M., page APP 6). 
III. CLASSIFICATIONS AND DISCOUNTS 
All communities start out with a Class 10 rating 
(which provides no discount). There are 10 CRS 
classes: Class 1 requires the most credit points 
and gives the greatest premium discount; Class 
10 identifies a community that does not apply for 
the CRS, or does not obtain a minimum number 
of credit points and receives no discount. There 
are 18 activities recognized as measures for 
eliminating exposure to floods. Credit points are 

assigned to each activity. The activities are 
organized under four main categories: Public 
Information, Mapping and Regulation, Flood 
Damage Reduction, and Flood Preparedness. 
Once a community applies to the appropriate 
FEMA region for the CRS program and its 
implementation is verified, FEMA sets the CRS 
classification based upon the credit points. This 
classification determines the premium discount 
for policyholders. Premium discounts ranging 
from 5 percent to a maximum of 45 percent will 
be applied to every policy written in a community 
as recognition of the floodplain management 
activities instituted. The table below shows 
premium discounts for CRS Classes 1-10 within 
different flood zones. 

IV. CRS ACTIVITIES THAT CAN DIRECTLY 
BENEFIT INSURANCE AGENTS 
Certain activities credited under the CRS provide 
direct benefit to agents writing flood insurance. 

All CRS communities must maintain completed 
FEMA elevation and floodproofing certificates for 
all new and substantially improved construction in 
the Special Flood Hazard Area after the date of 
application for CRS classification. These certificates must be available upon request. 
Therefore, in writing a policy, an agent should be 
able to get these certificates from any CRS 
community. In addition, some CRS communities 
receive credit for having completed certificates for 
Post-FIRM buildings constructed prior to the CRS 
application date. If they do receive this credit, 
then these certificates should also be available to 
agents writing flood insurance. The community 
may charge a fee for copying certificates. 

Many CRS communities receive credit for 
providing inquirers with information from the 
community's FIRM. This includes a property's 
flood risk zone and the Base Flood Elevation. The 
service must be publicized once a year. If a 
community is receiving this credit, then agents 
should be able to use the service. A fee may be 
charged for the service. 

CRS PREMIUM DISCOUNTS 

Class Discount Class Discount 
1 
2 
3 
4 
5 
45% 
40% 
35% 
30% 
25% 
6 
7 
8 
9 
10 
20% 
15% 
10% 
5% 
--
SFHA (Zones A, AE, A1-A30, V, V1-V30, AO, and AH): Discount varies depending on class. 
SFHA (Zones A99, AR, AR/A, AR/AE, AR/A1-A30, AR/AH, and AR/AO): 10% discount for 
Classes 1-6; 5% discount for Classes 7-9.* 
Non-SFHA (Zones B, C, X, D): 10% discount for Classes 1-6; 5% discount for Classes 7-9. 

*In determining CRS Premium Discounts, all AR and A99 zones are treated as non-SFHAs. 

CRS 1 October 1, 2008 


COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES 


COMMUNITY 
NUMBER COMMUNITY NAME 
CRS 
ENTRY 
CURRENT 
EFFECTIVE 
CURRENT 
CLASS 
% DISCOUNT 
FOR 
% DISCOUNT 
FOR STATUS3 
DATE DATE SFHA1 NON-SFHA2 
010146 
010071 
015000 
010116 
010418 
010176 
015005 
015006 
010123 
010153 
015007 
015011 
010189 
010002 
010070 
020005 
020012 
020003 
020069 
020113 
020094 
040013 
040014 
040131 
040080 
040040 
040094 
040095 
040012 
040019 
040061 
040020 
040028 
040044 
040045 
040067 
040037 
040048 
040058 
040066 
040051 
040073 
040098 
040090 
045012 
040130 
Alabama 
Athens, City of 
Atmore, City of 
Baldwin County 
Birmingham, City of 
Dauphin Island, Town of 
Decatur, City ofGulf Shores, Town of 
Homewood, City of 
Hoover, City of 
Huntsville, City of 
Mobile, City of 
Orange Beach, City of 
Pell City, City of 
Prattville, City of 
Wetumpka, City of 
Alaska 
Anchorage, Municipality of 
Kenai Peninsula, Borough of 
Ketchikan, Borough of 
Nome, City of 
Seward, City of 
Valdez, City of 
Arizona 
Benson, Town of 
Bisbee, City of 
Camp Verde, Town of 
Casa Grande, City of 
Chandler, City of 
Chino Valley, Town of 
Clarkdale, Town ofCochise County 
Coconino County 
Dewey-Humboldt, Town of 
Flagstaff, City of 
Gila County 
Gilbert, Town of 
Glendale, City of 
Holbrook, City of 
Maricopa County 
Mesa, City of 
Mohave County 
Navajo County 
Phoenix, City of 
Pima County 
Prescott, City of 
Santa Cruz County 
Scottsdale, City of 
Sedona, City of 
10/1/91 
05/1/02 
10/1/95 
10/1/94 
04/1/01 
10/1/91 
10/1/93 
10/1/01 
10/1/91 
10/1/91 
10/1/92 
10/1/91 
10/1/92 
10/1/91 
10/1/91 
10/1/95 
04/1/00 
10/1/05 
10/1/05 
10/1/05 
10/1/92 
10/1/91 
10/1/91 
10/1/91 
10/1/91 
10/1/91 
10/1/91 
10/1/91 
10/1/91 
10/1/91 
10/1/07 
10/1/91 
10/1/91 
10/1/91 
10/1/91 
10/1/95 
10/1/91 
10/1/91 
10/1/95 
10/1/92 
10/1/92 
10/1/91 
10/1/91 
10/1/03 
10/1/91 
10/1/91 
10/1/98 
05/1/02 
10/1/08 
10/1/05 
04/1/01 
10/1/05 
10/1/93 
10/1/01 
10/1/91 
05/1/03 
10/1/93 
10/1/07 
10/1/92 
05/1/08 
10/1/91 
10/1/04 
04/1/00 
10/1/05 
10/1/07 
10/1/05 
10/1/92 
10/1/92 
10/1/92 
10/1/96 
10/1/01 
05/1/04 
10/1/93 
10/1/96 
10/1/91 
10/1/99 
10/1/07 
10/1/07 
10/1/92 
10/1/92 
10/1/99 
10/1/00 
05/1/02 
04/1/98 
10/1/05 
05/1/08 
10/1/02 
05/1/07 
10/1/01 
05/1/08 
10/1/07 
10/1/91 
10 
8 
7 
6 
8 
10 
9 
9 
9 
7 
10 
7 
9 
8 
9 
7 
8 
9 
8 
9 
9 
10 
10 
8 
8 
7 
8 
8 
9 
8 
8 
7 
10 
8 
8 
8 
5 
10 
8 
8 
6 
5 
8 
7 
6 
9 
0 
10 
15 
20 
10 
0 
5 
5 
5 
15 
0 
15 
5 
10 
5 
15 
10 
5 
10 
5 
5 
0 
0 
10 
10 
15 
10 
10 
5 
10 
10 
15 
0 
10 
10 
10 
25 
0 
10 
10 
20 
25 
10 
15 
20 
5 
0 
5 
5 
10 
5 
0 
5 
5 
5 
5 
0 
5 
5 
5 
5 
5 
5 
5 
5 
5 
5 
0 
0 
5 
5 
5 
5 
5 
5 
5 
5 
5 
0 
5 
5 
5 
10 
0 
5 
5 
10 
10 
5 
5 
10 
5 
R 
C 
C 
C 
C 
R 
C 
C 
C 
C 
R 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
R 
R 
C 
C 
C 
C 
C 
C 
C 
C 
C 
R 
C 
C 
C 
C 
R 
C 
C 
C 
C 
C 
C 
C 
C 

1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 
2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 
3Status: C = Current, R = Rescinded


CRS 2 October 1, 2008 


COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES 


COMMUNITY 
NUMBER COMMUNITY NAME 
CRS 
ENTRY 
CURRENT 
EFFECTIVE 
CURRENT 
CLASS 
% DISCOUNT 
FOR 
% DISCOUNT 
FOR STATUS3 
DATE DATE SFHA1 NON-SFHA2 
Arizona (continued) 
040069 Show Low, City of 10/1/91 10/1/91 9 5 5 C 
040054 Tempe, City of 10/1/91 05/1/02 8 10 5 C 
040076 Tucson, City of 10/1/91 10/1/07 6 20 10 C 
040056 Wickenburg, Town of 10/1/92 10/1/07 10 0 0 R 

040031 Winkelman, Town of 10/1/91 10/1/95 10 0 0 R 
040093 Yavapai County 10/1/91 10/1/07 7 15 5 C 
Arkansas 
050029 Arkadelphia, City of 10/1/91 10/1/05 8 10 5 C 
050192 Benton, City of 10/1/93 10/1/93 9 5 5 C 
050419 Benton County 05/1/05 05/1/05 8 10 5 C 
050012 Bentonville, City of 10/1/92 10/1/02 8 10 5 C 
050140 Blytheville, City of 10/1/95 10/1/95 9 5 5 C 
050046 Bono, City of 10/1/92 05/1/02 8 10 5 C 
050308 Bryant, City of 10/1/92 10/1/92 9 5 5 C 
050433 Garland County 10/1/93 10/1/93 9 5 5 C 
050168 Helena, City of 10/1/93 10/1/99 10 0 0 R 
050084 Hot Springs, City of 10/1/93 10/1/06 8 10 5 C 
050180 Jacksonville, City of 10/1/94 10/1/04 8 10 5 C 
050048 Jonesboro, City of 10/1/92 10/1/92 9 5 5 C 
050181 Little Rock, City of 10/1/91 10/1/01 8 10 5 C 
050088 Malvern, City of 10/1/91 10/1/96 10 0 0 R 
050109 Pine Bluff, City of 10/1/94 10/1/95 10 0 0 R 
050055 West Memphis, City of 10/1/92 10/1/02 8 10 5 C 
California 
060001 Alameda County 10/1/92 10/1/99 7 15 5 C 
060213 Anaheim, City of 10/1/91 05/1/07 8 10 5 C 
060714 Clearlake, City of 05/1/03 10/1/08 10 0 0 R 
065022 Concord, City of 10/1/08 10/1/08 8 10 5 C 
060025 Contra Costa County 10/1/91 04/1/01 6 20 10 C 
065023 Corte Madera, Town of 10/1/03 05/1/08 8 10 5 C 
060339 Cupertino, City of 10/1/05 10/1/05 8 10 5 C 
060370 Fairfield, City of 10/1/92 05/1/02 8 10 5 C 
060218 Fountain Valley, City of 10/1/96 04/1/98 8 10 5 C 
065028 Fremont, City of 04/1/01 04/1/01 7 15 5 C 
060048 Fresno, City of 10/1/92 10/1/07 8 10 5 C 
065029 Fresno County 10/1/91 10/1/07 8 10 5 C 
060340 Gilroy, City of 05/1/07 05/1/07 8 10 5 C 
065034 Huntington Beach, City of 10/1/95 10/1/00 7 15 5 C 
060222 Irvine, City of 10/1/91 05/1/02 8 10 5 C 
060075 Kern County 10/1/91 05/1/08 8 10 5 C 
060090 Lake County 10/1/95 10/1/06 8 10 5 C 
060738 Lathrop, City of 10/1/08 10/1/08 8 10 5 C 
060136 Long Beach, City of 10/1/93 05/1/08 7 15 5 C 
060341 Los Altos, City of 10/1/91 10/1/96 8 10 5 C 
060137 Los Angeles, City of 10/1/91 10/1/05 7 15 5 C 
065043 Los Angeles County 10/1/91 10/1/96 8 10 5 C 
060344 Milpitas, City of 10/1/91 05/1/07 6 20 10 C 
060735 Mission Viejo, City of 10/1/05 10/1/05 9 5 5 C 

1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 
2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 
3Status: C = Current, R = Rescinded


CRS 3 October 1, 2008 


COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES 


COMMUNITY 
NUMBER COMMUNITY NAME 
CRS 
ENTRY 
CURRENT 
EFFECTIVE 
CURRENT 
CLASS 
% DISCOUNT 
FOR 
% DISCOUNT 
FOR STATUS3 
DATE DATE SFHA1 NON-SFHA2 
California (continued) 
060195 Monterey County 10/1/91 05/1/07 5 25 10 C 
065074 Moreno Valley, City of 10/1/91 10/01/96 8 10 5 C 
060346 Morgan Hill, City of 05/1/03 05/1/03 7 15 5 C 
060347 Mountain View, City of 05/1/02 05/1/08 8 10 5 C 
060751 Murrieta, City of 10/1/97 10/1/97 9 5 5 C 
060207 Napa, City of 04/1/01 10/1/06 8 10 5 C 
060227 Newport Beach, City of 10/1/93 05/1/08 8 10 5 C 
060178 Novato, City of 10/1/95 05/1/07 8 10 5 C 
060294 Oceanside, City of 10/1/91 10/1/96 8 10 5 C 
060228 Orange, City of 10/1/92 05/1/08 9 5 5 C 
060212 Orange County 10/1/91 05/1/08 7 15 5 C 
060257 Palm Springs, City of 10/1/92 10/1/00 8 10 5 C 
060348 Palo Alto, City of 10/1/91 10/1/01 7 15 5 C 
060379 Petaluma, City of 10/1/91 10/1/96 6 20 10 C 
060239 Placer County 10/1/91 10/1/07 8 10 5 C 
060034 Pleasant Hill, City of 05/1/03 05/1/08 8 10 5 C 
060012 Pleasanton, City of 10/1/92 10/1/97 8 10 5 C 
060702 Poway, City of 05/1/08 05/1/08 8 10 5 C 
060360 Redding, City of 10/1/96 05/1/08 6 20 10 C 
060279 Redlands, City of 10/1/07 10/1/07 9 5 5 C 
060035 Richmond, City of 10/1/95 10/1/95 9 5 5 C 
060243 Roseville, City of 10/1/92 10/1/06 1 45 10 C 
060266 Sacramento, City of 10/1/91 10/1/08 5 25 10 C 
060262 Sacramento County 10/1/92 10/1/02 5 25 10 C 
060202 Salinas, City of 10/1/91 10/1/02 7 15 5 C 
060284 San Diego County 10/1/94 05/1/08 9 5 5 C 
060299 San Joaquin County 10/1/93 05/1/03 6 20 10 C 
060349 San Jose, City of 10/1/91 10/1/01 7 15 5 C 
060231 San Juan Capistrano, City of 10/1/91 10/1/02 8 10 5 C 
060013 San Leandro, City of 10/1/06 10/1/06 8 10 5 C 
060310 San Luis Obispo, City of 10/1/91 10/1/96 8 10 5 C 
060710 San Ramon, City of 10/1/91 10/1/06 8 10 5 C 
060331 Santa Barbara County 10/1/91 05/1/06 6 20 10 C 
060350 Santa Clara, City of 05/1/02 05/1/08 8 10 5 C 
060337 Santa Clara County 05/1/04 10/1/07 7 15 5 C 
060729 Santa Clarita, City of 10/1/01 10/1/01 9 5 5 C 
060355 Santa Cruz, City of 10/1/92 05/1/02 7 15 5 C 
060421 Simi Valley, City of 10/1/93 10/1/93 9 5 5 C 
060631 Solano County 10/1/91 10/1/07 7 15 5 C 
060375 Sonoma County 10/1/91 10/1/92 10 0 0 R 
060302 Stockton, City of 10/1/96 10/1/97 8 10 5 C 
060352 Sunnyvale, City of 10/1/98 05/1/08 8 10 5 C 
060394 Sutter County 10/1/08 10/1/08 8 10 5 C 
060400 Tehema, City of 10/1/03 10/1/08 6 20 10 C 
060373 Vacaville, City of 10/1/95 10/1/00 8 10 5 C 
065070 Walnut Creek, City of 10/1/91 04/1/01 7 15 5 C 
060357 Watsonville, City of 10/1/92 10/1/02 7 15 5 C 
060238 Yorba Linda, City of 10/1/93 10/1/04 10 0 0 R 
060396 Yuba City, City of 10/1/07 10/1/08 7 15 5 C 
060427 Yuba County 10/1/03 05/1/08 8 10 5 C 

1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 
2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 
3Status: C = Current, R = Rescinded


CRS 4 October 1, 2008 


COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES 


COMMUNITY 
NUMBER COMMUNITY NAME 
CRS 
ENTRY 
CURRENT 
EFFECTIVE 
CURRENT 
CLASS 
% DISCOUNT 
FOR 
% DISCOUNT 
FOR STATUS3 
DATE DATE SFHA1 NON-SFHA2 
Colorado 
080001 Adams County 10/1/93 10/1/03 10 0 0 R 
080010 Alamosa, City of 10/1/91 10/1/91 9 5 5 C 
080009 Alamosa County 10/1/96 10/1/96 9 5 5 C 
080011 Arapahoe County 10/1/91 10/1/92 8 10 5 C 
080273 Archuleta County 10/1/92 10/1/98 10 0 0 R 
085072 Arvada, City of 10/1/91 05/1/06 6 20 10 C 
080002 Aurora, City of 10/1/92 05/1/08 8 10 5 C 
080024 Boulder, City of 10/1/92 10/1/08 7 15 5 C 
080023 Boulder County 10/1/91 10/1/06 7 15 5 C 
080130 Brush, City of 10/1/94 10/1/94 9 5 5 C 
080068 Canon City, City of 10/1/92 05/1/08 9 5 5 C 
080013 Cherry Hills Village, City of 10/1/96 10/1/01 8 10 5 C 
080060 Colorado Springs, City of 10/1/92 05/1/07 8 10 5 C 
080043 Delta, City of 10/1/96 10/1/00 7 15 5 C 
080046 Denver, City and County of 10/1/96 05/1/06 8 10 5 C 
080049 Douglas County 10/1/96 10/1/96 9 5 5 C 
080099 Durango, City of 10/1/92 10/1/92 9 5 5 C 
080051 Eagle County 10/1/08 10/1/08 8 10 5 C 
080059 El Paso County 10/1/92 05/1/07 8 10 5 C 
085074 Englewood, City of 10/1/95 10/1/96 8 10 5 C 
080102 Fort Collins, City of 10/1/91 10/1/01 4 30 10 C 
080061 Fountain, City of 10/1/92 05/1/07 8 10 5 C 
080067 Fremont County 10/1/93 05/1/08 9 5 5 C 
080245 Frisco, Town of 10/1/93 10/1/98 8 10 5 C 
080090 Golden, City of 10/1/96 10/1/96 9 5 5 C 
080062 Green Mountain Falls, Town of 10/1/03 10/1/03 9 5 5 C 
080080 Gunnison, City of 10/1/95 10/1/95 9 5 5 C 
080078 Gunnison County 10/1/94 10/1/94 9 5 5 C 
080087 Jefferson County 10/1/05 10/1/05 9 5 5 C 
085075 Lakewood, City of 10/1/91 10/1/05 6 20 10 C 
080101 Larimer County 10/1/92 10/1/97 10 0 0 R 
080017 Littleton, City of 10/1/92 10/1/97 7 15 5 C 
080027 Longmont, City of 10/1/92 10/1/97 8 10 5 C 
085076 Louisville, City of 10/1/91 10/1/05 8 10 5 C 
080063 Manitou Springs, City of 10/1/92 05/1/07 8 10 5 C 
080115 Mesa County 05/1/06 05/1/06 9 5 5 C 
080064 Monument, Town of 10/1/03 10/1/03 9 5 5 C 
080092 Morrison, Town of 10/1/96 10/1/96 9 5 5 C 
080065 Palmer Lake, Town of 10/1/03 10/1/03 9 5 5 C 
080310 Parker, Town of 10/1/92 05/1/07 6 20 10 C 
080287 Pitkin County 10/1/92 10/1/97 8 10 5 C 
080153 Rio Grande County 10/1/92 10/1/97 10 0 0 R 
080018 Sheridan, City of 10/1/93 10/1/03 10 0 0 R 
080201 Silverthorne, Town of 10/1/96 10/1/96 9 5 5 C 
080159 Steamboat Springs, Town of 10/1/93 10/1/93 9 5 5 C 
080168 Telluride, Town of 10/1/94 10/1/05 8 10 5 C 
080007 Thornton, City of 10/1/94 10/1/06 7 15 5 C 
080054 Vail, Town of 10/1/91 10/1/01 7 15 5 C 
080008 Westminster, City of 10/1/91 05/1/06 6 20 10 C 
085079 Wheat Ridge, City of 10/1/91 10/1/96 7 15 5 C 

1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 
2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 
3Status: C = Current, R = Rescinded


CRS 5 October 1, 2008 


COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES 


COMMUNITY 
NUMBER COMMUNITY NAME 
CRS 
ENTRY 
CURRENT 
EFFECTIVE 
CURRENT 
CLASS 
% DISCOUNT 
FOR 
% DISCOUNT 
FOR STATUS3 
DATE DATE SFHA1 NON-SFHA2 
090074 
090076 
090096 
090078 
090011 
090012 
090015 
090193 
090106 
095082 
090070 
090019 
100056 
105084 
100041 
100026 
100025 
105086 
100048 
100051 
120001 
120290 
125087 
120180 
120075 
120193 
120676 
120419 
120636 
120004 
120637 
125089 
120195 
120680 
120196 
120155 
125091 
125092 
125093 
120005 
125094 
125095 
120090 
120061 
120063 
120064 
Connecticut 
Cheshire, Town of 
East Haven, Town of 
East Lyme, Town of 
Hamden, Town of 
Newtown, Town ofNorwalk, City of 
Stamford, City of 
Stonington, Borough ofStonington, Town ofWest Hartford, Town of 
Westbrook, Town ofWestport, Town of 
Delaware 
Dewey Beach, Town of 
Fenwick Island, Town of 
Lewes, City of 
New Castle, City ofNewark, City of 
Rehoboth Beach, City of 
Seaford, City ofSouth Bethany, Town of 
Florida 
Alachua County 
Altamonte Springs, City of 
Anna Maria, City ofApopka, City of 
Atlantic Beach, City of 
Atlantis, City of 
Aventura, City ofBaker County 
Bal Harbour, Village of 
Bay County 
Bay Harbor Islands, Town of 
Belleair Beach, City of 
Boca Raton, City of 
Bonita Springs, City of 
Boynton Beach, City of 
Bradenton, City ofBradenton Beach, City of 
Brevard County 
Broward County 
Callaway, City of 
Cape Canaveral, City of 
Cape Coral, City of 
Carrabelle, City of 
Charlotte County 
Citrus County 
Clay County 
10/1/93 
10/1/03 
10/1/91 
10/1/93 
10/1/91 
10/1/93 
10/1/02 
10/1/04 
05/1/04 
10/1/91 
05/1/05 
10/1/95 
10/1/94 
10/1/94 
10/1/92 
10/1/94 
10/1/92 
10/1/94 
10/1/96 
10/1/07 
10/1/95 
10/1/94 
10/1/91 
10/1/93 
10/1/05 
10/1/92 
10/1/00 
10/1/01 
10/1/96 
10/1/93 
10/1/94 
10/1/92 
10/1/92 
05/1/06 
10/1/91 
10/1/91 
10/1/91 
10/1/91 
10/1/92 
10/1/93 
10/1/93 
10/1/91 
10/1/93 
10/1/92 
10/1/01 
10/1/96 
10/1/03 
10/1/04 
10/1/91 
10/1/06 
10/1/91 
10/1/98 
10/1/02 
10/1/04 
05/1/04 
10/1/07 
05/1/05 
10/1/00 
10/1/99 
10/1/04 
10/1/92 
10/1/99 
10/1/01 
10/1/95 
10/1/96 
10/1/07 
10/1/06 
10/1/96 
10/1/07 
10/1/07 
10/1/05 
05/1/08 
05/1/05 
10/1/01 
10/1/97 
10/1/08 
10/1/99 
10/1/01 
05/1/08 
05/1/06 
10/1/93 
10/1/00 
05/1/08 
10/1/06 
10/1/96 
05/1/08 
05/1/08 
05/1/07 
10/1/93 
05/1/04 
10/1/01 
10/1/05 
10 
8 
9 
10 
9 
10 
7 
9 
9 
8 
9 
8 
8 
8 
9 
8 
7 
8 
9 
8 
7 
8 
5 
7 
8 
8 
7 
8 
8 
5 
7 
7 
8 
7 
8 
7 
6 
7 
8 
8 
8 
6 
9 
5 
7 
7 
0 
10 
5 
0 
5 
0 
15 
5 
5 
10 
5 
10 
10 
10 
5 
10 
15 
10 
5 
10 
15 
10 
25 
15 
10 
10 
15 
10 
10 
25 
15 
15 
10 
15 
10 
15 
20 
15 
10 
10 
10 
20 
5 
25 
15 
15 
0 
5 
5 
0 
5 
0 
5 
5 
5 
5 
5 
5 
5 
5 
5 
5 
5 
5 
5 
5 
5 
5 
10 
5 
5 
5 
5 
5 
5 
10 
5 
5 
5 
5 
5 
5 
10 
5 
5 
5 
5 
10 
5 
10 
5 
5 
R 
C 
C 
R 
C 
R 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 

1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 
2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 
3Status: C = Current, R = Rescinded


CRS 6 October 1, 2008 


COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES 


COMMUNITY 
NUMBER COMMUNITY NAME 
CRS 
ENTRY 
CURRENT 
EFFECTIVE 
CURRENT 
CLASS 
% DISCOUNT 
FOR 
% DISCOUNT 
FOR STATUS3 
DATE DATE SFHA1 NON-SFHA2 
125096 
120198 
120020 
125097 
120031 
120067 
120070 
120032 
120639 
120033 
120034 
120035 
125099 
125100 
125101 
125102 
125158 
125103 
120308 
120080 
120146 
120120 
120172 
120087 
125105 
125106 
120673 
120286 
120174 
120088 
125107 
120200 
120642 
120275 
120098 
125109 
125108 
125110 
120103 
120107 
120110 
120643 
125111 
120111 
120040 
120112 
125112 
125113 
125114 
120645 
Florida (continued) 
Clearwater, City ofCloud Lake, Town of 
Cocoa, City of 
Cocoa Beach, City of 
Coconut Creek, City of 
Collier County 
Columbia County 
Cooper City, City of 
Coral Gables, City of 
Coral Springs, City of 
Dania Beach, City of 
Davie, Town of 
Daytona Beach, City of 
Daytona Beach Shores, City of 
Deerfield Beach, City of 
Delray Beach, City of 
Destin, City of 
Dunedin, City of 
Edgewater, City ofEscambia County 
Fanning Springs, Town of 
Fellsmere, City of 
Fernandina Beach, City of 
Flagler Beach, City of 
Fort Lauderdale, City of 
Fort Myers, City of 
Fort Myers Beach, Town of 
Fort Pierce, City of 
Fort Walton Beach, City of 
Franklin County 
Gainesville, City of 
Glen Ridge, Town of 
Golden Beach, Town of 
Gulf Breeze, City of 
Gulf County 
Gulf Stream, Town of 
Gulfport, City of 
Hallandale Beach, City of 
Hardee County 
Hendry County 
Hernando County 
Hialeah, City ofHighland Beach, Town of 
Highlands County 
Hillsboro Beach, Town of 
Hillsborough County 
Holly Hill, City of 
Hollywood, City ofHolmes Beach, City of 
Homestead, City of 
10/1/91 
10/1/94 
10/1/94 
10/1/94 
10/1/92 
10/1/92 
10/1/96 
10/1/92 
10/1/93 
10/1/92 
10/1/93 
10/1/94 
10/1/94 
10/1/92 
10/1/92 
10/1/94 
10/1/94 
10/1/92 
10/1/92 
10/1/91 
10/1/93 
10/1/99 
10/1/92 
10/1/95 
10/1/92 
10/1/93 
10/1/99 
10/1/92 
10/1/92 
10/1/93 
10/1/92 
10/1/94 
10/1/93 
10/1/93 
10/1/93 
10/1/99 
10/1/93 
10/1/94 
10/1/96 
10/1/00 
10/1/92 
10/1/93 
10/1/93 
10/1/94 
10/1/94 
10/1/92 
10/1/94 
10/1/92 
10/1/91 
05/1/06 
10/1/00 
10/1/96 
10/1/04 
10/1/04 
10/1/01 
10/1/95 
10/1/05 
05/1/08 
10/1/98 
10/1/94 
10/1/93 
10/1/05 
10/1/08 
05/1/07 
10/1/93 
10/1/94 
05/1/04 
05/1/07 
10/1/97 
10/1/05 
10/1/08 
10/1/04 
10/1/02 
10/1/00 
05/1/08 
10/1/98 
10/1/99 
10/1/01 
10/1/02 
10/1/02 
10/1/06 
10/1/06 
10/1/02 
05/1/08 
05/1/07 
10/1/99 
10/1/03 
10/1/08 
05/1/04 
10/1/00 
10/1/05 
05/1/08 
10/1/93 
10/1/04 
10/1/94 
10/1/07 
10/1/94 
10/1/07 
05/1/06 
05/1/06 
7 
8 
10 
10 
7 
7 
8 
8 
8 
8 
9 
7 
6 
7 
8 
9 
7 
7 
8 
7 
8 
9 
7 
7 
7 
8 
7 
8 
7 
8 
7 
10 
10 
8 
8 
8 
7 
6 
10 
8 
7 
7 
9 
8 
9 
5 
9 
7 
7 
8 
15 
10 
0 
0 
15 
15 
10 
10 
10 
10 
5 
15 
20 
15 
10 
5 
15 
15 
10 
15 
10 
5 
15 
15 
15 
10 
15 
10 
15 
10 
15 
0 
0 
10 
10 
10 
15 
20 
0 
10 
15 
15 
5 
10 
5 
25 
5 
15 
15 
10 
5 
5 
0 
0 
5 
5 
5 
5 
5 
5 
5 
5 
10 
5 
5 
5 
5 
5 
5 
5 
5 
5 
5 
5 
5 
5 
5 
5 
5 
5 
5 
0 
0 
5 
5 
5 
5 
10 
0 
5 
5 
5 
5 
5 
5 
10 
5 
5 
5 
5 
C 
C 
R 
R 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
R 
R 
C 
C 
C 
C 
C 
R 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 

1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 
2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 
3Status: C = Current, R = Rescinded


CRS 7 October 1, 2008 


COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES 


COMMUNITY 
NUMBER COMMUNITY NAME 
CRS 
ENTRY 
CURRENT 
EFFECTIVE 
CURRENT 
CLASS 
% DISCOUNT 
FOR 
% DISCOUNT 
FOR STATUS3 
DATE DATE SFHA1 NON-SFHA2 
120207 
120119 
120121 
125117 
125118 
120125 
120077 
120078 
120331 
120208 
125119 
120162 
120245 
120648 
125121 
120168 
120190 
120211 
120421 
120212 
120213 
120267 
120214 
125122 
125123 
120044 
120169 
125124 
120145 
125125 
125126 
120292 
120009 
125127 
120149 
120215 
120153 
120216 
120426 
120047 
120160 
120161 
120337 
120025 
120650 
120635 
120651 
120686 
120652 
120276 
Florida (continued) 
Hypoluxo, Town ofIndian River County 
Indian River Shores, Town of 
Indian Rocks Beach, City of 
Indian Shores, Town of 
Jackson County 
Jacksonville, City ofJacksonville Beach, City of 
Jefferson County 
Juno Beach, Town of 
Jupiter, Town of 
Jupiter Island, Town of 
Kenneth City, Town ofKey Biscayne, Village of 
Key Colony Beach, City of 
Key West, City of 
Kissimmee, City ofLake Clarke Shores, Town of 
Lake County 
Lake Park, Town of 
Lake Worth, City ofLakeland, City ofLantana, Town of 
Largo, City of 
Lauderdale by the Sea, City of 
Lauderhill, City of 
Layton, City of 
Lee County 
Levy County 
Lighthouse Point, City of 
Longboat Key, Town of 
Longwood, City of 
Lynn Haven, City ofMadeira Beach, City of 
Madison County 
Manalapan, Town of 
Manatee County 
Mangonia Park, Town of 
Marco Island, City of 
Margate, City ofMarion County 
Martin County 
Mary Esther, City of 
Melbourne, City of 
Miami, City of 
Miami-Dade County 
Miami Beach, City of 
Miami Lakes, Town of 
Miami Shores Village, Village of 
Milton, City of 
10/1/94 
10/1/92 
10/1/94 
10/1/92 
10/1/93 
10/1/02 
10/1/91 
10/1/92 
10/1/96 
10/1/93 
10/1/94 
10/1/95 
10/1/92 
04/1/98 
10/1/92 
10/1/92 
10/1/96 
10/1/94 
10/1/94 
10/1/92 
10/1/96 
10/1/04 
10/1/94 
10/1/92 
04/1/00 
10/1/92 
10/1/01 
10/1/91 
10/1/94 
10/1/93 
10/1/91 
10/1/96 
10/1/92 
10/1/92 
10/1/94 
10/1/92 
10/1/91 
10/1/94 
10/1/00 
10/1/92 
10/1/94 
10/1/92 
10/1/07 
10/1/93 
10/1/94 
10/1/94 
10/1/96 
10/1/06 
10/1/00 
10/1/07 
10/1/96 
10/1/07 
10/1/95 
10/1/93 
10/1/05 
05/1/07 
10/1/02 
10/1/02 
10/1/96 
10/1/07 
10/1/00 
10/1/00 
05/1/06 
10/1/07 
05/1/08 
10/1/99 
10/1/01 
10/1/94 
10/1/97 
10/1/92 
10/1/96 
10/1/04 
10/1/94 
10/1/08 
05/1/05 
05/1/08 
05/1/08 
10/1/07 
10/1/99 
10/1/94 
10/1/05 
10/1/96 
05/1/07 
10/1/93 
10/1/00 
05/1/08 
10/1/05 
10/1/94 
10/1/05 
10/1/95 
10/1/94 
10/1/00 
10/1/07 
05/1/08 
10/1/99 
10/1/03 
10/1/01 
10/1/06 
10/1/00 
10/1/07 
8 
6 
8 
8 
6 
8 
7 
8 
9 
5 
7 
8 
8 
7 
8 
10 
8 
9 
8 
9 
9 
8 
9 
6 
8 
9 
8 
5 
8 
8 
6 
9 
8 
8 
8 
9 
6 
9 
6 
8 
9 
7 
8 
8 
8 
5 
7 
6 
8 
8 
10 
20 
10 
10 
20 
10 
15 
10 
5 
25 
15 
10 
10 
15 
10 
0 
10 
5 
10 
5 
5 
10 
5 
20 
10 
5 
10 
25 
10 
10 
20 
5 
10 
10 
10 
5 
20 
5 
20 
10 
5 
15 
10 
10 
10 
25 
15 
20 
10 
10 
5 
10 
5 
5 
10 
5 
5 
5 
5 
10 
5 
5 
5 
5 
5 
0 
5 
5 
5 
5 
5 
5 
5 
10 
5 
5 
5 
10 
5 
5 
10 
5 
5 
5 
5 
5 
10 
5 
10 
5 
5 
5 
5 
5 
5 
10 
5 
10 
5 
5 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
R 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 

1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 
2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 
3Status: C = Current, R = Rescinded


CRS 8 October 1, 2008 


COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES 


COMMUNITY 
NUMBER COMMUNITY NAME 
CRS 
ENTRY 
CURRENT 
EFFECTIVE 
CURRENT 
CLASS 
% DISCOUNT 
FOR 
% DISCOUNT 
FOR STATUS3 
DATE DATE SFHA1 NON-SFHA2 
Florida (continued) 
120048 Miramar, City of 10/1/93 10/1/94 8 10 5 C 
125129 Monroe County 10/1/91 05/1/97 10 0 0 R 
125130 Naples, City of 10/1/92 10/1/02 6 20 10 C 
120079 Neptune Beach, City of 10/1/94 10/1/04 8 10 5 C 
120232 New Port Richey, City of 10/1/93 10/1/07 7 15 5 C 
125132 New Smyrna Beach, City of 10/1/91 10/1/00 7 15 5 C 
120338 Niceville, City of 10/1/93 04/1/98 8 10 5 C 
120049 North Lauderdale, City of 10/1/93 10/1/93 9 5 5 C 
120655 North Miami, City of 10/1/94 10/1/01 5 25 10 C 
120656 North Miami Beach, City of 10/1/93 10/1/98 8 10 5 C 
120217 North Palm Beach, Village of 10/1/94 10/1/99 8 10 5 C 
120279 North Port, City of 10/1/92 05/1/07 7 15 5 C 
125133 North Redington Beach, 10/1/92 05/1/08 8 10 5 C 
Town of 
120050 Oakland Park, City of 10/1/94 10/1/05 8 10 5 C 
120330 Ocala, City of 10/1/91 10/1/01 8 10 5 C 
125134 Ocean Ridge, Town of 10/1/92 01/1/98 8 10 5 C 
120173 Okaloosa County 10/1/95 10/1/05 6 20 10 C 
120177 Okeechobee County 10/1/96 10/1/00 8 10 5 C 
120250 Oldsmar, City of 10/1/92 05/1/06 6 20 10 C 
120179 Orange County 10/1/91 05/1/08 5 25 10 C 
120186 Orlando, City of 10/1/93 05/1/08 6 20 10 C 
125136 Ormond Beach, City of 10/1/92 05/1/07 7 15 5 C 
120189 Osceola County 10/1/94 10/1/03 7 15 5 C 
120293 Oviedo, City of 10/1/08 10/1/08 8 10 5 C 
120404 Palm Bay, City of 10/1/93 10/1/07 7 15 5 C 
120220 Palm Beach, Town of 10/1/92 05/1/08 7 15 5 C 
120192 Palm Beach County 10/1/91 10/1/06 6 20 10 C 
120221 Palm Beach Gardens, City of 10/1/03 05/1/08 7 15 5 C 
125137 Palm Beach Shores, Town of 10/1/94 10/1/94 9 5 5 C 
120684 Palm Coast, City of 05/1/04 05/1/04 7 15 5 C 
120223 Palm Springs, Village of 10/1/92 05/1/08 8 10 5 C 
120159 Palmetto, City of 10/1/91 10/1/93 8 10 5 C 
120012 Panama City, City of 10/1/93 10/1/02 7 15 5 C 
120011 Parker, City of 10/1/94 05/1/08 8 10 5 C 
120230 Pasco County 10/1/92 10/1/07 7 15 5 C 
120053 Pembroke Pines, City of 10/1/94 10/1/98 7 15 5 C 
120082 Pensacola, City of 10/1/02 10/1/06 7 15 5 C 
125138 Pensacola Beach-Santa Rosa 10/1/91 05/1/03 8 10 5 C 
Island Authority 
125139 Pinellas County 10/1/93 10/1/94 8 10 5 C 
120251 Pinellas Park, City of 10/1/91 10/1/96 7 15 5 C 
120054 Plantation, City of 10/1/92 10/1/02 7 15 5 C 
120261 Polk County 10/1/92 10/1/03 7 15 5 C 
120055 Pompano Beach, City of 10/1/93 10/1/94 8 10 5 C 
120312 Ponce Inlet, Town of 05/1/04 05/1/04 7 15 5 C 
120313 Port Orange, City of 10/1/92 05/1/03 7 15 5 C 
120234 Port Richey, City of 10/1/92 10/1/07 7 15 5 C 
120099 Port St. Joe, City of 10/1/94 10/1/94 9 5 5 C 
120287 Port St. Lucie, City of 10/1/91 10/1/96 8 10 5 C 

1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 
2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 
3Status: C = Current, R = Rescinded


CRS 9 October 1, 2008 


COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES 


COMMUNITY 
NUMBER COMMUNITY NAME 
CRS 
ENTRY 
CURRENT 
EFFECTIVE 
CURRENT 
CLASS 
% DISCOUNT 
FOR 
% DISCOUNT 
FOR STATUS3 
DATE DATE SFHA1 NON-SFHA2 
120062 
125140 
125141 
120027 
125143 
120402 
120274 
125150 
125144 
120028 
120123 
120289 
120164 
120579 
120314 
120658 
120227 
125151 
125145 
125146 
120191 
125147 
120285 
120316 
125149 
125148 
120296 
120688 
120328 
120659 
120300 
120144 
120058 
120114 
120259 
120302 
120115 
120228 
125152 
125153 
125154 
120124 
125155 
120315 
125157 
120229 
120295 
120147 
Florida (continued) 
Punta Gorda, City of 
Redington Beach, Town of 
Redington Shores, Town of 
Rockledge, City of 
Safety Harbor, City of 
Sanibel, City of 
Santa Rosa County 
Sarasota, City of 
Sarasota County 
Satellite Beach, City of 
Sebastian, City of 
Seminole County 
Sewalls Point, Town of 
Shalimar, Town of 
South Daytona, City of 
South Miami, City of 
South Palm Beach, Town of 
South Pasadena, City of 
St. Augustine, City of 
St. Augustine Beach, City of 
St. Cloud, City of 
St. Johns County 
St. Lucie County 
St. Marks, Town of 
St. Pete Beach, City of 
St. Petersburg, City of 
Sumter County 
Sunny Isles Beach, City of 
Sunrise, City ofSurfside, Town of 
Suwannee County 
Tallahassee, City of 
Tamarac, City of 
Tampa, City of 
Tarpon Springs, City of 
Taylor County 
Temple Terrace, City of 
Tequesta, Village ofTitusville, City of 
Treasure Island, City of 
Venice, City of 
Vero Beach, City of 
Volusia County 
Wakulla County 
Wellington, Village ofWest Palm Beach, City of 
Winter Springs, City of 
Yankeetown, Town of 
10/1/92 
10/1/93 
10/1/92 
10/1/91 
10/1/92 
10/1/91 
10/1/93 
10/1/91 
10/1/92 
10/1/92 
10/1/92 
10/1/91 
10/1/96 
10/1/95 
10/1/92 
10/1/93 
10/1/93 
10/1/92 
10/1/92 
10/1/93 
10/1/93 
10/1/95 
10/1/94 
10/1/93 
10/1/91 
10/1/92 
10/1/95 
10/1/07 
10/1/92 
10/1/93 
10/1/96 
10/1/94 
10/1/92 
10/1/91 
10/1/92 
10/1/96 
10/1/93 
10/1/92 
10/1/92 
10/1/92 
10/1/91 
10/1/93 
10/1/93 
10/1/93 
10/1/03 
10/1/92 
10/1/93 
10/1/94 
10/1/02 
05/1/08 
10/1/93 
10/1/96 
10/1/96 
10/1/96 
10/1/08 
10/1/96 
05/1/07 
10/1/92 
10/1/06 
10/1/00 
10/1/97 
10/1/00 
10/1/02 
10/1/95 
10/1/08 
10/1/98 
10/1/97 
05/1/08 
05/1/08 
05/1/07 
10/1/96 
10/1/08 
10/1/92 
05/1/02 
05/1/97 
10/1/07 
10/1/02 
10/1/08 
10/1/00 
10/1/06 
05/1/06 
10/1/00 
10/1/93 
10/1/96 
10/1/03 
05/1/07 
10/1/97 
10/1/99 
10/1/05 
10/1/98 
10/1/08 
10/1/08 
10/1/08 
10/1/06 
05/1/08 
10/1/08 
6 
8 
8 
8 
8 
5 
6 
7 
5 
9 
8 
7 
8 
8 
7 
8 
8 
8 
8 
8 
8 
6 
8 
8 
8 
7 
8 
8 
7 
10 
8 
6 
7 
7 
8 
9 
8 
10 
8 
7 
6 
8 
6 
7 
7 
6 
7 
6 
20 
10 
10 
10 
10 
25 
20 
15 
25 
5 
10 
15 
10 
10 
15 
10 
10 
10 
10 
10 
10 
20 
10 
10 
10 
15 
10 
10 
15 
0 
10 
20 
15 
15 
10 
5 
10 
0 
10 
15 
20 
10 
20 
15 
15 
20 
15 
20 
10 
5 
5 
5 
5 
10 
10 
5 
10 
5 
5 
5 
5 
5 
5 
5 
5 
5 
5 
5 
5 
10 
5 
5 
5 
5 
5 
5 
5 
0 
5 
10 
5 
5 
5 
5 
5 
0 
5 
5 
10 
5 
10 
5 
5 
10 
5 
10 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
R 
C 
C 
C 
C 
C 
C 
C 
R 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 

1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 
2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 
3Status: C = Current, R = Rescinded


CRS 10 October 1, 2008 


COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES 


COMMUNITY 
NUMBER COMMUNITY NAME 
CRS 
ENTRY 
CURRENT 
EFFECTIVE 
CURRENT 
CLASS 
% DISCOUNT 
FOR 
% DISCOUNT 
FOR STATUS3 
DATE DATE SFHA1 NON-SFHA2 
130075 
130093 
130209 
130030 
130424 
130052 
130086 
130059 
135158 
130144 
130504 
135159 
130065 
130074 
130306 
130098 
130432 
130431 
135160 
130092 
130165 
130322 
130201 
130147 
130078 
130261 
130088 
135163 
130171 
135164 
130025 
130196 
150003 
160001 
160009 
165167 
160002 
160206 
160209 
160003 
160212 
160004 
160127 
160022 
160131 
160023 
Georgia 
Albany, City of 
Brunswick, City of 
Cartersville, City ofChatham County 
Cherokee County 
Cobb County 
College Park, City of 
Columbia County 
Columbus, City of 
Covington, City of 
Crisp County 
Decatur, City ofDekalb County 
Dougherty County 
Douglas County 
Duluth, City of 
Fayette County 
Fayetteville, City of 
Fulton County 
Glynn County 
Griffin, City of 
Gwinnett County 
Jekyll Island, State Park Auth 
Paulding County 
Peachtree City, City of 
Pooler, Town of 
Roswell, City ofSavannah, City of 
Tifton, City of 
Tybee Island, City of 
Waynesboro, City of 
Worth County 
Hawaii 
Maui County 
Idaho 
Ada County 
Bannock County 
Blaine County 
Boise, City of 
Bonner County 
Caribou County 
Eagle, City of 
Elmore County 
Garden City, City ofGem County 
Hailey, City of 
Kellogg, City of 
Ketchum, City of 
10/1/94 
10/1/93 
05/1/05 
10/1/91 
05/1/05 
10/1/91 
10/1/92 
04/1/99 
10/1/91 
10/1/93 
05/1/05 
10/1/93 
10/1/92 
10/1/93 
10/1/95 
10/1/97 
05/1/04 
05/1/06 
04/1/00 
10/1/92 
10/1/08 
10/1/94 
10/1/93 
10/1/91 
10/1/93 
10/1/93 
10/1/91 
10/1/92 
10/1/08 
10/1/93 
10/1/91 
05/1/03 
10/1/95 
10/1/94 
10/1/94 
10/1/94 
10/1/91 
10/1/05 
05/1/06 
04/1/00 
10/1/94 
10/1/98 
05/1/08 
10/1/92 
10/1/92 
10/1/92 
10/1/94 
10/1/93 
05/1/05 
05/1/04 
05/1/05 
10/1/97 
10/1/02 
05/1/04 
10/1/93 
10/1/93 
05/1/05 
10/1/05 
10/1/08 
10/1/03 
10/1/00 
10/1/08 
05/1/04 
05/1/06 
04/1/00 
10/1/96 
10/1/08 
05/1/04 
05/1/06 
10/1/96 
10/1/03 
10/1/95 
10/1/96 
10/1/98 
10/1/08 
10/1/07 
10/1/97 
05/1/03 
10/1/00 
10/1/99 
10/1/99 
10/1/99 
04/1/01 
10/1/05 
05/1/06 
04/1/00 
04/1/01 
10/1/08 
05/1/08 
10/1/97 
10/1/07 
10/1/07 
9 
9 
9 
7 
8 
8 
6 
8 
8 
9 
9 
7 
7 
7 
8 
8 
7 
8 
9 
8 
7 
8 
6 
10 
7 
8 
7 
8 
8 
7 
10 
9 
8 
7 
8 
8 
6 
9 
9 
6 
8 
9 
9 
8 
9 
9 
5 
5 
5 
15 
10 
10 
20 
10 
10 
5 
5 
15 
15 
15 
10 
10 
15 
10 
5 
10 
15 
10 
20 
0 
15 
10 
15 
10 
10 
15 
0 
5 
10 
15 
10 
10 
20 
5 
5 
20 
10 
5 
5 
10 
5 
5 
5 
5 
5 
5 
5 
5 
10 
5 
5 
5 
5 
5 
5 
5 
5 
5 
5 
5 
5 
5 
5 
5 
10 
0 
5 
5 
5 
5 
5 
5 
0 
5 
5 
5 
5 
5 
10 
5 
5 
10 
5 
5 
5 
5 
5 
5 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
R 
C 
C 
C 
C 
C 
C 
R 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 

1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 
2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 
3Status: C = Current, R = Rescinded


CRS 11 October 1, 2008 


COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES 


COMMUNITY 
NUMBER COMMUNITY NAME 
CRS 
ENTRY 
CURRENT 
EFFECTIVE 
CURRENT 
CLASS 
% DISCOUNT 
FOR 
% DISCOUNT 
FOR STATUS3 
DATE DATE SFHA1 NON-SFHA2 
160076 
160090 
160058 
160101 
160012 
160114 
160024 
160120 
160220 
170001 
170198 
170059 
170072 
170298 
170322 
170078 
170361 
170182 
170081 
170204 
170091 
170206 
170107 
170357 
170481 
170400 
170116 
170378 
170211 
170129 
170213 
170822 
170132 
170214 
170172 
175170 
170533 
170919 
170387 
170582 
170912 
170163 
170330 
170333 
170169 
170173 
170687 
170222 
Idaho (continued) 
Kootenai County 
Moscow, City of 
Mountain Home, City of 
Nez Perce County 
Pocatello, City of 
Shoshone County 
Sun Valley, City of 
Twin Falls, City of 
Valley County 
Illinois 
Adams County 
Addison, Village ofBartlett, Village of 
Calumet City, City of 
Carbondale, City ofCarpentersville, Village of 
Country Club Hills, City of 
Deerfield, Village of 
DeKalb, City of 
Des Plaines, City of 
Downers Grove, Village of 
Flossmoor, Village ofGlendale Heights, Village of 
Hoffman Estates, Village of 
Lake County 
Lake in the Hills, Village of 
LaSalle County 
Lansing, Village of 
Lincolnshire, Village of 
Lisle, Village of 
Mount Prospect, Village of 
Naperville, City of 
North Utica, Village of 
Northbrook, Village of 
Oak Brook, Village ofOrland Hills, Village of 
Palatine, Village of 
Peoria County 
Prospect Heights, City of 
Riverwoods, Village of 
Rock Island County 
Sangamon County 
South Holland, Village of 
St. Charles, City of 
Sugar Grove, Village of 
Tinley Park, City of 
Wheeling, Village of 
Whiteside County 
Willowbrook, Village of 
10/1/92 
10/1/94 
10/1/94 
10/1/01 
10/1/94 
10/1/94 
10/1/94 
10/1/94 
10/1/94 
10/1/96 
10/1/91 
10/1/91 
10/1/00 
10/1/02 
10/1/06 
10/1/93 
10/1/95 
05/1/05 
10/1/93 
10/1/91 
10/1/93 
10/1/94 
10/1/92 
10/1/08 
05/1/08 
05/1/05 
10/1/93 
10/1/93 
10/1/91 
10/1/91 
10/1/91 
05/1/05 
10/1/94 
10/1/92 
10/1/96 
10/1/94 
10/1/92 
10/1/94 
05/1/07 
10/1/06 
04/1/00 
10/1/92 
10/1/94 
10/1/06 
10/1/05 
10/1/91 
10/1/07 
10/1/91 
10/1/08 
10/1/99 
10/1/99 
10/1/06 
10/1/99 
10/1/94 
10/1/99 
10/1/94 
10/1/99 
10/1/01 
10/1/97 
05/1/04 
05/1/03 
10/1/08 
10/1/06 
10/1/94 
05/1/08 
05/1/05 
10/1/03 
10/1/08 
05/1/08 
05/1/04 
10/1/02 
10/1/08 
05/1/08 
05/1/05 
10/1/01 
10/1/03 
10/1/08 
10/1/02 
10/1/97 
05/1/05 
05/1/04 
10/1/97 
10/1/02 
05/1/04 
10/1/97 
05/1/04 
05/1/07 
10/1/06 
04/1/00 
10/1/02 
10/1/04 
10/1/06 
10/1/05 
05/1/07 
10/1/07 
10/1/02 
10 
8 
8 
7 
8 
9 
8 
9 
7 
8 
7 
7 
6 
10 
8 
8 
6 
8 
7 
8 
8 
7 
7 
7 
7 
9 
7 
5 
6 
7 
10 
9 
7 
7 
5 
7 
8 
8 
8 
7 
8 
5 
8 
7 
7 
7 
8 
6 
0 
10 
10 
15 
10 
5 
10 
5 
15 
10 
15 
15 
20 
0 
10 
10 
20 
10 
15 
10 
10 
15 
15 
15 
15 
5 
15 
25 
20 
15 
0 
5 
15 
15 
25 
15 
10 
10 
10 
15 
10 
25 
10 
15 
15 
15 
10 
20 
0 
5 
5 
5 
5 
5 
5 
5 
5 
5 
5 
5 
10 
0 
5 
5 
10 
5 
5 
5 
5 
5 
5 
5 
5 
5 
5 
10 
10 
5 
0 
5 
5 
5 
10 
5 
5 
5 
5 
5 
5 
10 
5 
5 
5 
5 
5 
10 
R 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
R 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
R 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 

1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 
2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 
3Status: C = Current, R = Rescinded


CRS 12 October 1, 2008 


COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES 


COMMUNITY 
NUMBER COMMUNITY NAME 
CRS 
ENTRY 
CURRENT 
EFFECTIVE 
CURRENT 
CLASS 
% DISCOUNT 
FOR 
% DISCOUNT 
FOR STATUS3 
DATE DATE SFHA1 NON-SFHA2 
170224 
180302 
180150 
180006 
180007 
180001 
180257 
180003 
180080 
180419 
180159 
180093 
180121 
180382 
180082 
180465 
180122 
180256 
180263 
190169 
190242 
190227 
200250 
200095 
200096 
200090 
200215 
200201 
200173 
200298 
200177 
205187 
210017 
210010 
210219 
210227 
210062 
210075 
210280 
210051 
210055 
210067 
Illinois (continued) 
Wood Dale, City of 
Indiana 
Allen County 
Anderson, City ofBartholomew County 
Columbus, City of 
Decatur, City ofEvansville, City ofFort Wayne, City of 
Hamilton County 
Hancock County 
Indianapolis, City of 
Kokomo, City of 
Kosciusko, County ofMilford Junction, City of 
Noblesville, City of 
North Webster, City of 
Syracuse, City of 
Vanderburgh County 
Vigo County 
Iowa 
Coralville, City of 
Davenport, City of 
Des Moines, City of 
Kansas 
Carbondale, City ofEllis, City of 
Hayes, City of 
Lawrence, City ofLindsborg, City of 
Lyon County 
Olathe, City of 
Riley County 
Shawnee, City of 
Topeka, City of 
Kentucky 
Ashland, City of 
Bell County 
Bowling Green, City of 
Corbin, City of 
Daviess County 
Frankfort, City of 
Franklin County 
Grayson, City of 
Hopkinsville, City of 
Lexington-Fayette Urban County 
10/1/99 
10/1/02 
05/1/07 
10/1/93 
10/1/98 
10/1/93 
10/1/99 
10/1/91 
10/1/91 
10/1/03 
10/1/07 
10/1/95 
10/1/97 
10/1/97 
10/1/91 
10/1/97 
10/1/97 
04/1/99 
10/1/95 
10/1/92 
10/1/95 
10/1/91 
10/1/92 
10/1/07 
10/1/92 
10/1/04 
10/1/92 
10/1/07 
10/1/93 
10/1/92 
10/1/91 
10/1/92 
10/1/92 
10/1/94 
10/1/91 
10/1/93 
05/1/03 
10/1/92 
10/1/93 
10/1/92 
10/1/91 
10/1/91 
10/1/04 
05/1/08 
05/1/07 
10/1/93 
10/1/98 
05/1/08 
10/1/04 
05/1/07 
05/1/04 
10/1/06 
10/1/07 
10/1/96 
05/1/08 
05/1/08 
10/1/06 
05/1/08 
05/1/08 
04/1/99 
10/1/05 
10/1/96 
05/1/08 
05/1/08 
10/1/96 
10/1/07 
10/1/03 
10/1/04 
10/1/92 
10/1/07 
10/1/93 
10/1/93 
10/1/01 
10/1/01 
10/1/97 
10/1/97 
10/1/06 
10/1/94 
05/1/05 
10/1/92 
10/1/97 
10/1/92 
10/1/96 
10/1/07 
5 
9 
8 
9 
9 
8 
8 
8 
7 
8 
8 
8 
9 
8 
5 
8 
8 
8 
10 
10 
8 
7 
10 
9 
10 
8 
9 
9 
9 
10 
8 
10 
10 
10 
7 
10 
8 
9 
10 
9 
10 
7 
25 
5 
10 
5 
5 
10 
10 
10 
15 
10 
10 
10 
5 
10 
25 
10 
10 
10 
0 
0 
10 
15 
0 
5 
0 
10 
5 
5 
5 
0 
10 
0 
0 
0 
15 
0 
10 
5 
0 
5 
0 
15 
10 
5 
5 
5 
5 
5 
5 
5 
5 
5 
5 
5 
5 
5 
10 
5 
5 
5 
0 
0 
5 
5 
0 
5 
0 
5 
5 
5 
5 
0 
5 
0 
0 
0 
5 
0 
5 
5 
0 
5 
0 
5 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
R 
R 
C 
C 
R 
C 
R 
C 
C 
C 
C 
R 
C 
R 
R 
R 
C 
R 
C 
C 
R 
C 
R 
C 

1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 
2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 
3Status: C = Current, R = Rescinded


CRS 13 October 1, 2008 


COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES 


COMMUNITY 
NUMBER COMMUNITY NAME 
CRS 
ENTRY 
CURRENT 
EFFECTIVE 
CURRENT 
CLASS 
% DISCOUNT 
FOR 
% DISCOUNT 
FOR STATUS3 
DATE DATE SFHA1 NON-SFHA2 
210120 
210126 
210063 
210127 
210298 
210193 
210072 
210366 
210203 
210312 
210097 
220013 
225193 
220033 
220361 
220037 
220200 
220116 
220027 
220058 
220117 
220015 
225198 
225200 
220220 
225199 
225201 
225202 
220040 
220113 
220248 
220202 
220136 
220196 
225203 
220135 
220119 
220008 
220347 
220036 
220204 
220016 
220160 
220261 
220164 
225205 
220206 
Kentucky (continued) 
Louisville-Jefferson County 
Metro Government 
Nicholasville, City of 
Owensboro, City ofPaintsville, City of 
Pike County 
Pikeville, City of 
Prestonsburg, City of 
Radcliff, City of 
Rowan County 
Warren County 
West Point, City of 
Louisiana 
Ascension Parish 
Baker, City of 
Bossier City, City of 
Caddo Parish 
Calcasieu Parish 
Covington, City of 
Denham Springs, City of 
Deridder, City ofEast Baton Rouge Parish 
French Settlement, Village of 
Gonzales, City of 
Gretna, City of 
Harahan, City ofHouma, City of 
Jefferson Parish 
Kenner, City of 
Lafourche Parish 
Lake Charles, City of 
Livingston Parish 
Lutcher, Town of 
Mandeville, Town of 
Monroe, City of 
Morgan City, City ofNew Orleans/Orleans Parish 
Ouachita Parish 
Port Vincent, Village of 
Rayne, City of 
Ruston, City of 
Shreveport, City of 
Slidell, City of 
Sorrento, Town of 
St. Charles Parish 
St. James Parish 
St. John The Baptist Parish 
St. Tammany Parish 
Tangipahoa Parish 
10/1/91 
10/1/91 
05/1/03 
10/1/92 
10/1/95 
10/1/92 
10/1/92 
10/1/95 
10/1/94 
10/1/91 
10/1/95 
10/1/92 
10/1/91 
10/1/92 
10/1/95 
10/1/91 
10/1/95 
10/1/91 
10/1/95 
10/1/91 
10/1/92 
10/1/92 
10/1/00 
10/1/08 
10/1/92 
10/1/92 
10/1/92 
01/1/92 
10/1/04 
10/1/92 
10/1/92 
10/1/92 
10/1/03 
10/1/91 
10/1/91 
10/1/02 
10/1/92 
10/1/91 
10/1/92 
10/1/91 
10/1/92 
10/1/92 
10/1/91 
10/1/91 
10/1/94 
10/1/92 
10/1/96 
05/1/08 
10/1/97 
05/1/05 
10/1/92 
10/1/95 
10/1/92 
10/1/92 
10/1/95 
10/1/94 
10/1/06 
10/1/00 
05/1/08 
10/1/91 
05/1/08 
10/1/07 
10/1/07 
10/1/96 
10/1/91 
10/1/95 
10/1/94 
10/1/07 
05/1/08 
10/1/08 
10/1/08 
10/1/04 
05/1/03 
10/1/93 
05/1/04 
10/1/04 
10/1/92 
10/1/92 
10/1/08 
10/1/03 
05/1/06 
10/1/01 
05/1/08 
10/1/97 
10/1/91 
10/1/92 
05/1/08 
10/1/08 
05/1/08 
10/1/07 
10/1/97 
10/1/94 
10/1/92 
10/1/96 
5 
8 
8 
9 
9 
9 
9 
9 
9 
7 
10 
8 
9 
8 
8 
8 
10 
9 
9 
7 
9 
9 
9 
8 
8 
7 
8 
10 
9 
9 
9 
7 
9 
8 
8 
9 
10 
9 
9 
7 
8 
9 
8 
8 
9 
9 
9 
25 
10 
10 
5 
5 
5 
5 
5 
5 
15 
0 
10 
5 
10 
10 
10 
0 
5 
5 
15 
5 
5 
5 
10 
10 
15 
10 
0 
5 
5 
5 
15 
5 
10 
10 
5 
0 
5 
5 
15 
10 
5 
10 
10 
5 
5 
5 
10 
5 
5 
5 
5 
5 
5 
5 
5 
5 
0 
5 
5 
5 
5 
5 
0 
5 
5 
5 
5 
5 
5 
5 
5 
5 
5 
0 
5 
5 
5 
5 
5 
5 
5 
5 
0 
5 
5 
5 
5 
5 
5 
5 
5 
5 
5 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
R 
C 
C 
C 
C 
C 
R 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
R 
C 
C 
C 
C 
C 
C 
C 
C 
R 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 

1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 
2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 
3Status: C = Current, R = Rescinded


CRS 14 October 1, 2008 


COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES 


COMMUNITY 
NUMBER COMMUNITY NAME 
CRS 
ENTRY 
CURRENT 
EFFECTIVE 
CURRENT 
CLASS 
% DISCOUNT 
FOR 
% DISCOUNT 
FOR STATUS3 
DATE DATE SFHA1 NON-SFHA2 
225206 
220121 
220239 
220094 
220061 
230191 
230208 
230001 
230043 
230116 
230057 
230018 
230209 
230069 
230004 
230178 
230632 
230153 
230112 
230120 
230051 
230155 
230128 
230157 
230293 
230158 
230159 
240042 
240011 
240130 
240015 
240040 
240044 
240012 
245207 
245208 
250286 
250233 
250004 
250082 
250008 
250085 
250269 
250273 
Louisiana (continued) 
Terrebonne Parish 
Walker, Town of 
West Baton Rouge Parish 
Westwego, City ofZachary, City of 
Maine 
Alfred, Town of 
Arrowsic, Town of 
Auburn, City of 
Cape Elizabeth, Town of 
Dover-Foxcroft, Town of 
Farmington, Town of 
Fort Fairfield, Town of 
Georgetown, Town ofHallowell, City of 
Lewiston, City of 
Norridgewock, City of 
Ogunquit, Town of 
Old Orchard Beach, Town of 
Old Town, City of 
Phippsburg, Town of 
Portland, City of 
Saco, City of 
Skowhegan, Town of 
South Berwick, Town of 
Southwest Harbor, Town of 
Wells, Town of 
York, Town of 
Maryland 
Bel Air, Town of 
Calvert County 
Caroline County 
Carroll County 
Harford County 
Howard County 
North Beach, City of 
Ocean City, Town of 
Prince Georges County 
Massachusetts 
Boston, City of 
Braintree, Town of 
Chatham, Town of 
Gloucester, City of 
Harwich, Town of 
Haverhill, City of 
Hull, Town of 
Marshfield, Town of 
10/1/92 
10/1/92 
10/1/93 
10/1/07 
10/1/92 
10/1/91 
10/1/93 
10/1/92 
10/1/94 
10/1/07 
10/1/94 
10/1/02 
10/1/01 
10/1/96 
10/1/93 
10/1/97 
10/1/92 
10/1/93 
10/1/05 
10/1/93 
10/1/93 
10/1/92 
10/1/91 
10/1/94 
10/1/96 
10/1/91 
10/1/01 
10/1/93 
10/1/91 
10/1/96 
10/1/07 
10/1/91 
10/1/07 
01/1/92 
10/1/92 
10/1/91 
10/1/92 
10/1/92 
10/1/92 
10/1/92 
10/1/95 
10/1/92 
05/1/08 
10/1/91 
10/1/04 
05/1/08 
10/1/96 
10/1/07 
10/1/07 
10/1/93 
10/1/93 
10/1/92 
10/1/94 
10/1/07 
10/1/94 
10/1/02 
10/1/08 
10/1/96 
05/1/97 
10/1/07 
05/1/03 
10/1/93 
10/1/05 
10/1/08 
10/1/01 
10/1/99 
10/1/03 
05/1/05 
10/1/02 
10/1/06 
10/1/01 
10/1/03 
10/1/96 
10/1/96 
10/1/07 
10/1/00 
10/1/07 
10/1/08 
10/1/02 
10/1/01 
10/1/97 
05/1/08 
10/1/93 
10/1/97 
10/1/95 
10/1/92 
05/1/08 
05/1/07 
8 
9 
8 
8 
8 
8 
9 
9 
9 
9 
9 
8 
10 
9 
8 
10 
8 
9 
8 
10 
8 
8 
8 
8 
9 
9 
8 
8 
10 
9 
8 
7 
8 
10 
7 
5 
10 
9 
8 
10 
9 
9 
8 
8 
10 
5 
10 
10 
10 
10 
5 
5 
5 
5 
5 
10 
0 
5 
10 
0 
10 
5 
10 
0 
10 
10 
10 
10 
5 
5 
10 
10 
0 
5 
10 
15 
10 
0 
15 
25 
0 
5 
10 
0 
5 
5 
10 
10 
5 
5 
5 
5 
5 
5 
5 
5 
5 
5 
5 
5 
0 
5 
5 
0 
5 
5 
5 
0 
5 
5 
5 
5 
5 
5 
5 
5 
0 
5 
5 
5 
5 
0 
5 
10 
0 
5 
5 
0 
5 
5 
5 
5 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
R 
C 
C 
R 
C 
C 
C 
R 
C 
C 
C 
C 
C 
C 
C 
C 
R 
C 
C 
C 
C 
R 
C 
C 
R 
C 
C 
R 
C 
C 
C 
C 

1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 
2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 
3Status: C = Current, R = Rescinded


CRS 15 October 1, 2008 


COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES 


COMMUNITY 
NUMBER COMMUNITY NAME 
CRS 
ENTRY 
CURRENT 
EFFECTIVE 
CURRENT 
CLASS 
% DISCOUNT 
FOR 
% DISCOUNT 
FOR STATUS3 
DATE DATE SFHA1 NON-SFHA2 
250167 
250060 
250010 
250278 
255219 
250282 
250218 
250349 
260142 
260473 
260221 
260172 
260657 
260226 
260118 
260150 
260140 
260175 
260185 
260577 
260190 
260305 
260128 
260243 
260728 
260503 
260208 
260285 
275228 
275236 
275240 
270307 
275246 
270729 
285251 
285252 
280016 
280366 
280332 
280179 
285253 
285255 
280053 
280070 
Massachusetts (continued) 
Northampton, City of 
Norton, Town of 
Orleans, City of 
Plymouth, Town of 
Quincy, City of 
Scituate, Town of 
Tewksbury, Town of 
Worcester, City of 
Michigan 
Bedford, Township of 
Commerce, Township of 
Dearborn Heights, City of 
Farmington Hills, City of 
Fraser, Township of 
Gibraltar, City of 
Hamburg, Township of 
Luna Pier, City of 
Midland, City of 
Novi, City of 
Park, Township of 
Portage, City of 
Saginaw, Township of 
Saugatuck, City ofSterling Heights, City of 
Sumpter, Township of 
Taylor, City of 
Taymouth, Township of 
Vassar, City of 
Zilwaukee, City of 
Minnesota 
Austin, City of 
East Grand Forks, City of 
Lake St. Croix Beach, City of 
Mower County 
Rochester, City of 
West St. Paul, City of 
Mississippi 
Bay St. Louis, City of 
Biloxi, City of 
Cleveland, City ofDlberville, City of 
Gautier, City ofGreenville, City of 
Gulfport, City of 
Harrison County 
Hattiesburg, City ofHinds County 
05/1/03 
10/1/91 
10/1/93 
10/1/91 
10/1/93 
10/1/91 
10/1/93 
10/1/95 
05/1/02 
05/1/03 
10/1/92 
10/1/94 
05/1/03 
10/1/92 
10/1/99 
05/1/02 
10/1/92 
10/1/99 
05/1/03 
10/1/92 
10/1/06 
10/1/06 
10/1/95 
10/1/95 
05/1/03 
05/1/03 
10/1/06 
05/1/04 
10/1/91 
10/1/91 
10/1/95 
10/1/95 
10/1/91 
10/1/91 
10/1/95 
10/1/96 
10/1/93 
10/1/07 
10/1/94 
10/1/93 
10/1/96 
10/1/03 
10/1/94 
10/1/93 
05/1/03 
10/1/91 
10/1/93 
10/1/91 
05/1/97 
05/1/07 
10/1/93 
10/1/95 
05/1/08 
05/1/03 
05/1/08 
10/1/95 
05/1/03 
10/1/02 
10/1/99 
05/1/08 
10/1/08 
10/1/99 
05/1/03 
05/1/08 
10/1/06 
10/1/06 
05/1/05 
10/1/04 
05/1/03 
05/1/03 
10/1/06 
05/1/04 
05/1/08 
10/1/98 
10/1/00 
04/1/00 
10/1/96 
10/1/96 
10/1/00 
10/1/03 
04/1/99 
10/1/07 
04/1/00 
05/1/03 
10/1/01 
10/1/03 
05/1/02 
10/1/93 
8 
9 
9 
9 
7 
9 
9 
9 
8 
9 
7 
10 
9 
8 
8 
8 
5 
7 
9 
8 
9 
8 
7 
10 
9 
9 
6 
8 
5 
10 
8 
8 
10 
10 
7 
7 
8 
7 
8 
8 
8 
8 
7 
9 
10 
5 
5 
5 
15 
5 
5 
5 
10 
5 
15 
0 
5 
10 
10 
10 
25 
15 
5 
10 
5 
10 
15 
0 
5 
5 
20 
10 
25 
0 
10 
10 
0 
0 
15 
15 
10 
15 
10 
10 
10 
10 
15 
5 
5 
5 
5 
5 
5 
5 
5 
5 
5 
5 
5 
0 
5 
5 
5 
5 
10 
5 
5 
5 
5 
5 
5 
0 
5 
5 
10 
5 
10 
0 
5 
5 
0 
0 
5 
5 
5 
5 
5 
5 
5 
5 
5 
5 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
R 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
R 
C 
C 
C 
C 
C 
R 
C 
C 
R 
R 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 

1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 
2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 
3Status: C = Current, R = Rescinded


CRS 16 October 1, 2008 


COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES 


COMMUNITY 
NUMBER COMMUNITY NAME 
CRS 
ENTRY 
CURRENT 
EFFECTIVE 
CURRENT 
CLASS 
% DISCOUNT 
FOR 
% DISCOUNT 
FOR STATUS3 
DATE DATE SFHA1 NON-SFHA2 
280072 
280304 
285257 
280229 
280096 
285259 
285260 
285261 
280130 
280110 
280100 
280176 
285262 
290188 
290351 
290172 
290362 
290315 
300009 
300028 
300008 
300108 
300023 
300010 
300038 
300014 
300049 
300048 
300029 
300142 
310069 
315273 
310078 
320001 
320003 
320008 
320005 
325276 
320035 
320007 
320033 
Mississippi (continued) 
Jackson, City ofLamar County 
Long Beach, City of 
Madison, City ofMeridian, City of 
Ocean Springs, City of 
Pascagoula, City ofPass Christian, City of 
Picayune, City of 
Ridgeland, City ofTupelo, City of 
Vicksburg, City ofWaveland, City of 
Missouri 
Arnold, City of 
Ferguson, City of 
Independence,City ofKirkwood, City of 
St. Charles County 
Montana 
Belt, Town of 
Bozeman, City of 
Cascade County 
Circle, Town of 
Flathead County 
Great Falls, City of 
Lewis and Clark County 
Miles City, City of 
Missoula, City ofMissoula County 
Three Forks, Town of 
Yellowstone County 
Nebraska 
Fremont, City of 
Lincoln, City ofValley, City of 
Nevada 
Carson City, City of 
Clark County 
Douglas County 
Henderson, City ofLas Vegas, City of 
Mesquite, City of 
North Las Vegas, City of 
Storey County 
10/1/91 
10/1/08 
10/1/00 
10/1/96 
10/1/92 
10/1/92 
10/1/07 
10/1/93 
05/1/08 
10/1/94 
05/1/03 
10/1/93 
10/1/93 
10/1/91 
10/1/95 
10/1/91 
10/1/91 
10/1/01 
10/1/91 
10/1/92 
10/1/91 
10/1/91 
10/1/93 
10/1/91 
10/1/91 
10/1/91 
10/1/91 
10/1/91 
10/1/93 
05/1/03 
10/1/91 
10/1/91 
10/1/08 
10/1/94 
10/1/92 
10/1/93 
10/1/91 
10/1/91 
10/1/02 
10/1/91 
10/1/94 
10/1/96 
10/1/08 
10/1/08 
10/1/01 
05/1/08 
05/1/08 
10/1/07 
10/1/03 
05/1/08 
10/1/04 
05/1/03 
04/1/01 
10/1/06 
05/1/04 
04/1/01 
10/1/01 
10/1/96 
05/1/08 
10/1/92 
05/1/03 
04/1/01 
10/1/93 
10/1/07 
10/1/06 
10/1/02 
10/1/94 
05/1/02 
05/1/02 
10/1/98 
05/1/03 
10/1/91 
05/1/03 
10/1/08 
04/1/99 
05/1/08 
10/1/04 
05/1/08 
05/1/08 
05/1/07 
05/1/08 
10/1/99 
8 
9 
7 
8 
8 
7 
7 
6 
8 
8 
8 
7 
5 
10 
10 
7 
10 
7 
8 
7 
8 
8 
8 
8 
8 
9 
8 
8 
8 
8 
9 
7 
8 
8 
6 
6 
6 
6 
7 
6 
8 
10 
5 
15 
10 
10 
15 
15 
20 
10 
10 
10 
15 
25 
0 
0 
15 
0 
15 
10 
15 
10 
10 
10 
10 
10 
5 
10 
10 
10 
10 
5 
15 
10 
10 
20 
20 
20 
20 
15 
20 
10 
5 
5 
5 
5 
5 
5 
5 
10 
5 
5 
5 
5 
10 
0 
0 
5 
0 
5 
5 
5 
5 
5 
5 
5 
5 
5 
5 
5 
5 
5 
5 
5 
5 
5 
10 
10 
10 
10 
5 
10 
5 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
R 
R 
C 
R 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 

1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 
2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 
3Status: C = Current, R = Rescinded


CRS 17 October 1, 2008 


COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES 


COMMUNITY 
NUMBER COMMUNITY NAME 
CRS 
ENTRY 
CURRENT 
EFFECTIVE 
CURRENT 
CLASS 
% DISCOUNT 
FOR 
% DISCOUNT 
FOR STATUS3 
DATE DATE SFHA1 NON-SFHA2 
New Hampshire 
330023 Keene, City of 05/1/02 05/1/08 8 10 5 C 
330024 Marlborough, Town of 10/1/94 10/1/94 9 5 5 C 
330101 Peterborough, Town of 05/1/04 05/1/04 8 10 5 C 
330141 Rye, Town of 05/1/05 05/1/05 9 5 5 C 
330028 Winchester, Town of 05/1/02 05/1/02 9 5 5 C 
New Jersey 
345278 Atlantic City, City of 10/1/92 10/1/00 9 5 5 C 
345279 Avalon, Borough of 10/1/96 10/1/07 6 20 10 C 
340396 Barnegat, Township of 10/1/92 10/1/97 10 0 0 R 
345280 Barnegat Light, Borough of 10/1/92 10/1/01 8 10 5 C 

345281 Bay Head, Borough of 10/1/93 10/1/98 8 10 5 C 
345282 Beach Haven, Borough of 10/1/91 05/1/04 7 15 5 C 
340427 Bedminster, Township of 10/1/96 05/1/07 6 20 10 C 
340369 Berkeley, Township of 10/1/92 10/1/08 7 15 5 C 
340459 Berkeley Heights, Township of 10/1/94 04/1/99 10 0 0 R 
340178 Bloomfield, Township of 10/1/92 10/1/97 10 0 0 R 
340289 Bradley Beach, Borough of 10/1/95 10/1/00 7 15 5 C 
345286 Brigantine, City of 10/1/92 10/1/01 7 15 5 C 
345287 Burlington, City of 04/1/98 10/1/03 8 10 5 C 
345288 Cape May City, City of 10/1/94 10/1/99 8 10 5 C 
345289 Cape May Point, Borough of 10/1/93 10/1/94 7 15 5 C 
340031 Englewood, City of 10/1/91 10/1/01 10 0 0 R 
340204 Greenwich, Township of 05/1/07 05/1/07 9 5 5 C 
340246 Hamilton, Township of 10/1/92 10/1/02 8 10 5 C 
345296 Harvey Cedars, Borough of 10/1/91 10/1/99 8 10 5 C 
340376 Lacey, Township of 10/1/92 10/1/93 10 0 0 R 
340379 Lavallette, Borough of 05/1/04 05/1/05 8 10 5 C 
345300 Lincoln Park, Borough of 10/1/91 10/1/06 10 0 0 R 
340467 Linden, City of 10/1/91 10/1/02 8 10 5 C 
340046 Little Ferry, Borough of 10/1/93 10/1/94 10 0 0 R 
340047 Lodi, Borough of 10/1/92 10/1/93 10 0 0 R 
345301 Long Beach, Township of 10/1/92 10/1/08 6 20 10 C 
345302 Longport, Borough of 10/1/95 10/1/00 8 10 5 C 
345303 Manasquan, Borough of 10/1/92 10/1/98 8 10 5 C 
340383 Mantoloking, Borough of 10/1/92 10/1/08 6 20 10 C 
345304 Margate City, City of 10/1/92 10/1/99 7 15 5 C 
340188 Montclair, Township of 10/1/94 10/1/95 10 0 0 R 
340517 Mullica, Township of 10/1/94 05/1/08 10 0 0 R 
340570 New Jersey Meadowlands 10/1/92 05/1/08 8 10 5 C 
Commission 
345307 North Plainfield, Borough of 10/1/92 10/1/92 9 5 5 C 
345308 North Wildwood, City of 10/1/00 10/1/00 7 15 5 C 
345309 Oakland, Borough of 10/1/95 10/1/96 10 0 0 R 
340518 Ocean, Township of 10/1/95 10/1/95 9 5 5 C 
345310 Ocean City, City of 10/1/92 10/1/01 7 15 5 C 
340355 Parsippany-Troy Hills, 10/1/91 10/1/91 9 5 5 C 
Township of 
340512 Pennsville, Township of 10/1/92 10/1/97 10 0 0 R 
345311 Pequannock, Village of 10/1/91 10/1/97 10 0 0 R 

1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 
2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 
3Status: C = Current, R = Rescinded


CRS 18 October 1, 2008 


COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES 


COMMUNITY 
NUMBER COMMUNITY NAME 
CRS 
ENTRY 
CURRENT 
EFFECTIVE 
CURRENT 
CLASS 
% DISCOUNT 
FOR 
% DISCOUNT 
FOR STATUS3 
DATE DATE SFHA1 NON-SFHA2 
345312 
345313 
340388 
345528 
345314 
340067 
340359 
340070 
340472 
340474 
345317 
345318 
345319 
345320 
340329 
340393 
345323 
345324 
345293 
340395 
340331 
345326 
345327 
345328 
345330 
345331 
350045 
350002 
350001 
350010 
350012 
350067 
350029 
355332 
350054 
350006 
350064 
360226 
360147 
360790 
360988 
360148 
361342 
360570 
361055 
New Jersey (continued) 
Plainfield, City of 
Point Pleasant, Borough of 
Point Pleasant Beach, 
Borough of 
Pompton Lakes, Borough of 
Rahway, City of 
Ridgewood, Village ofRiverdale, Borough of 
Rochelle Park, Township of 
Roselle, Borough of 
Scotch Plains, Township of 
Sea Bright, Borough of 
Sea Isle City, City of 
Seaside Park, Borough of 
Ship Bottom, Borough of 
Spring Lake, Borough of 
Stafford, Township of 
Stone Harbor, Borough of 
Surf City, Borough of 
Toms River, Township of 
Tuckerton, Borough of 
Union Beach, Borough of 
Ventnor, City of 
Wayne, Township of 
West Wildwood, Borough of 
Wildwood Crest, Borough of 
Woodbridge, Township of 
New Mexico 
Alamogordo, City ofAlbuquerque, City of 
Bernalillo County 
Clovis, City of 
Dona Ana County 
Farmington, City ofHobbs, City of 
Las Cruces, City of 
Portales, City of 
Roswell, City ofSan Juan County 
New York 
Amherst, Town of 
Ashland, Town of 
Babylon,Town of 
Bayville, Village of 
Big Flats, Town of 
Brightwaters, Village of 
Camillus, Town of 
Catlin, Town of 
10/1/91 
10/1/93 
10/1/92 
10/1/91 
10/1/92 
10/1/92 
10/1/94 
10/1/06 
10/1/92 
10/1/94 
10/1/92 
10/1/92 
10/1/92 
10/1/92 
10/1/94 
10/1/91 
10/1/94 
10/1/92 
10/1/92 
10/1/93 
10/1/03 
10/1/92 
10/1/91 
10/1/93 
10/1/93 
10/1/92 
10/1/91 
10/1/93 
10/1/93 
10/1/91 
10/1/03 
10/1/91 
10/1/92 
10/1/91 
10/1/95 
10/1/92 
05/1/08 
10/1/95 
10/1/91 
10/1/92 
10/1/92 
10/1/91 
10/1/93 
10/1/96 
10/1/91 
10/1/98 
10/1/93 
10/1/97 
10/1/96 
10/1/02 
10/1/02 
10/1/94 
10/1/06 
01/1/98 
10/1/95 
10/1/97 
10/1/95 
10/1/06 
10/1/02 
10/1/99 
05/1/08 
10/1/96 
10/1/08 
10/1/92 
10/1/98 
10/1/03 
10/1/99 
10/1/00 
10/1/05 
10/1/03 
10/1/97 
10/1/91 
10/1/08 
05/1/08 
10/1/91 
10/1/08 
10/1/91 
05/1/08 
10/1/08 
10/1/95 
10/1/92 
05/1/08 
05/1/97 
05/1/08 
10/1/93 
10/1/03 
10/1/96 
10/1/98 
10/1/01 
10/1/97 
10 
9 
10 
10 
8 
7 
9 
8 
8 
10 
10 
10 
8 
8 
8 
6 
8 
7 
9 
10 
8 
8 
8 
10 
8 
10 
9 
9 
9 
9 
8 
9 
8 
6 
9 
9 
9 
8 
9 
10 
8 
8 
10 
10 
10 
0 
5 
0 
0 
10 
15 
5 
10 
10 
0 
0 
0 
10 
10 
10 
20 
10 
15 
5 
0 
10 
10 
10 
0 
10 
0 
5 
5 
5 
5 
10 
5 
10 
20 
5 
5 
5 
10 
5 
0 
10 
10 
0 
0 
0 
0 
5 
0 
0 
5 
5 
5 
5 
5 
0 
0 
0 
5 
5 
5 
10 
5 
5 
5 
0 
5 
5 
5 
0 
5 
0 
5 
5 
5 
5 
5 
5 
5 
10 
5 
5 
5 
5 
5 
0 
5 
5 
0 
0 
0 
R 
C 
R 
R 
C 
C 
C 
C 
C 
R 
R 
R 
C 
C 
C 
C 
C 
C 
C 
R 
C 
C 
C 
R 
C 
R 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
R 
C 
C 
R 
R 
R 

1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 
2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 
3Status: C = Current, R = Rescinded


CRS 19 October 1, 2008 


COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES 


COMMUNITY 
NUMBER COMMUNITY NAME 
CRS 
ENTRY 
CURRENT 
EFFECTIVE 
CURRENT 
CLASS 
% DISCOUNT 
FOR 
% DISCOUNT 
FOR STATUS3 
DATE DATE SFHA1 NON-SFHA2 
New York (continued) 
360149 Chemung, Town of 10/1/91 05/1/08 9 5 5 C 
360772 Corning, City of 10/1/91 05/1/08 9 5 5 C 
360463 East Rockaway, Village of 10/1/92 10/1/92 9 5 5 C 
360150 Elmira, City of 10/1/91 05/1/97 8 10 5 C 
360151 Elmira, Town of 10/1/91 10/1/91 9 5 5 C 
360774 Erwin, Town of 10/1/91 05/1/08 8 10 5 C 
360464 Freeport, Village of 10/1/92 10/1/97 8 10 5 C 
360417 Greece, Town of 10/1/92 10/1/92 9 5 5 C 
360777 Hornellsville, Town of 10/1/91 10/1/92 10 0 0 R 
360153 Horseheads, Town of 10/1/91 10/1/91 9 5 5 C 
360154 Horseheads, Village of 10/1/91 10/1/91 9 5 5 C 

360308 Ilion, Village of 10/1/00 10/1/00 9 5 5 C 
360047 Johnson City, Village of 10/1/91 10/1/91 9 5 5 C 
360247 Lackawanna, City of 05/1/03 05/1/03 9 5 5 C 
360476 Lawrence, Village of 10/1/92 05/1/07 7 15 5 C 
360506 Niagara Falls, City of 10/1/92 10/1/02 8 10 5 C 
360801 Northport, Village of 10/1/94 10/1/08 10 0 0 R 
360667 Oneonta, City of 10/1/94 05/1/04 8 10 5 C 
360780 Pulteney, Town of 10/1/91 10/1/93 10 0 0 R 
360932 Scarsdale, Village of 10/1/93 10/1/98 8 10 5 C 
365342 Southampton, Town of 10/1/95 10/1/05 8 10 5 C 
365343 Southampton, Village of 10/1/92 10/1/93 10 0 0 R 
360156 Southport, Town of 10/1/91 10/1/91 9 5 5 C 
360595 Syracuse, City of 10/1/93 10/1/93 9 5 5 C 
360056 Union, Town of 10/1/91 10/1/08 8 10 5 C 
361057 Veteran, Town of 10/1/91 10/1/96 10 0 0 R 
360157 Wellsburg, Village of 10/1/91 10/1/91 9 5 5 C 
North Carolina 
370404 Alliance, Town of 10/1/92 10/1/92 9 5 5 C 
370044 Atlantic Beach, Town of 10/1/92 10/1/93 8 10 5 C 
370183 Bayboro, Town of 10/1/92 10/1/92 9 5 5 C 
375346 Beaufort, City of 10/1/94 10/1/05 8 10 5 C 
370015 Belhaven, Town of 10/1/93 10/1/94 8 10 5 C 
370253 Boone, Town of 10/1/91 10/1/00 7 15 5 C 
370231 Brevard, City of 10/1/92 10/1/07 8 10 5 C 
370036 Cabarrus County 10/1/91 05/1/07 8 10 5 C 
370039 Caldwell County 04/1/00 04/1/00 9 5 5 C 
370046 Cape Carteret, Town of 10/1/93 10/1/03 8 10 5 C 
375347 Carolina Beach, Town of 10/1/93 04/1/99 7 15 5 C 
370043 Carteret County 10/1/91 10/1/92 8 10 5 C 
370238 Cary, Town of 10/1/92 10/1/96 10 0 0 R 
370391 Caswell Beach, City of 10/1/94 10/1/00 7 15 5 C 
370465 Cedar Point, Town of 10/1/92 10/1/07 8 10 5 C 
370159 Charlotte, City of 10/1/91 05/1/06 5 25 10 C 
370263 Clinton, City of 10/1/94 10/1/94 9 5 5 C 
370037 Concord, City of 10/1/93 10/1/03 8 10 5 C 
370072 Craven County 10/1/91 10/1/01 8 10 5 C 
370443 Creswell, Town of 10/1/94 10/1/99 8 10 5 C 
370076 Cumberland County 10/1/96 10/1/96 9 5 5 C 

1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 
2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 
3Status: C = Current, R = Rescinded


CRS 20 October 1, 2008 


COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES 


COMMUNITY 
NUMBER COMMUNITY NAME 
CRS 
ENTRY 
CURRENT 
EFFECTIVE 
CURRENT 
CLASS 
% DISCOUNT 
FOR 
% DISCOUNT 
FOR STATUS3 
DATE DATE SFHA1 NON-SFHA2 
370078 
375348 
370085 
370062 
370047 
370190 
375349 
370255 
370191 
370192 
370111 
370265 
375352 
370133 
370178 
375353 
370145 
370439 
370144 
370081 
375355 
370158 
370418 
370048 
375356 
370167 
370074 
370168 
370049 
370466 
370523 
375357 
370279 
370181 
370267 
370160 
370372 
370249 
370243 
370092 
370421 
370220 
370430 
370028 
370437 
375359 
370094 
370187 
370438 
370368 
North Carolina (continued) 
Currituck County 
Dare County 
Durham County 
Edenton, Town of 
Emerald Isle, Town of 
Farmville, Town of 
Forsyth County 
Goldsboro, City of 
Greenville, City of 
Grifton, Town of 
Guilford County 
Havelock, City of 
Holden Beach, Town of 
Hyde County 
Jacksonville, City ofKill Devil Hills, City of 
Kinston, City ofKitty Hawk, Town of 
Lenoir County 
Lexington, City ofManteo, Town of 
Mecklenburg County 
Minnesott Beach, Town of 
Morehead City, Town of 
Nags Head, City ofNashville, Town of 
New Bern, City of 
New Hanover County 
Newport, Town of 
North Topsail Beach, Town of 
Oak Island, Town of 
Ocean Isle Beach, Town of 
Oriental, Town of 
Pamlico County 
Pine Knoll Shores, Town of 
Pineville, Town of 
Pitt County 
Plymouth, Town of 
Raleigh, City of 
Rocky Mount, City of 
Roper, Town of 
Sampson County 
Southern Shores, Town of 
Southport, City ofStonewall, Town of 
Sunset Beach, Town of 
Tarboro, Town of 
Topsail Beach, Town of 
Vandemere, Town of 
Wake County 
10/1/93 
10/1/91 
10/1/92 
10/1/93 
10/1/93 
10/1/04 
10/1/93 
10/1/93 
10/1/92 
10/1/04 
10/1/93 
10/1/95 
10/1/91 
10/1/92 
10/1/91 
10/1/91 
10/1/94 
10/1/91 
10/1/94 
10/1/93 
10/1/91 
10/1/91 
10/1/92 
10/1/92 
10/1/91 
10/1/94 
10/1/92 
10/1/91 
10/1/92 
10/1/92 
10/1/91 
10/1/92 
10/1/92 
10/1/92 
10/1/92 
10/1/91 
10/1/02 
10/1/94 
10/1/91 
10/1/92 
10/1/94 
10/1/94 
10/1/92 
10/1/91 
10/1/92 
10/1/91 
10/1/06 
10/1/92 
10/1/92 
10/1/91 
05/1/08 
05/1/08 
10/1/08 
05/1/08 
10/1/03 
10/1/04 
05/1/08 
05/1/03 
10/1/07 
05/1/08 
10/1/08 
10/1/99 
10/1/92 
10/1/92 
10/1/05 
10/1/01 
05/1/06 
10/1/02 
05/1/06 
05/1/08 
05/1/08 
05/1/06 
10/1/92 
10/1/93 
10/1/01 
05/1/05 
05/1/04 
05/1/08 
10/1/07 
10/1/02 
05/1/08 
05/1/08 
10/1/97 
10/1/97 
10/1/02 
05/1/06 
10/1/04 
10/1/99 
10/1/06 
05/1/08 
10/1/99 
10/1/99 
10/1/96 
10/1/05 
10/1/92 
10/1/00 
10/1/06 
10/1/02 
10/1/92 
10/1/96 
8 
8 
8 
9 
7 
8 
8 
8 
7 
5 
8 
8 
8 
9 
8 
7 
5 
6 
7 
7 
8 
6 
9 
8 
6 
8 
10 
8 
8 
7 
8 
8 
9 
9 
7 
6 
8 
8 
7 
7 
8 
10 
6 
8 
9 
8 
8 
6 
9 
10 
10 
10 
10 
5 
15 
10 
10 
10 
15 
25 
10 
10 
10 
5 
10 
15 
25 
20 
15 
15 
10 
20 
5 
10 
20 
10 
0 
10 
10 
15 
10 
10 
5 
5 
15 
20 
10 
10 
15 
15 
10 
0 
20 
10 
5 
10 
10 
20 
5 
0 
5 
5 
5 
5 
5 
5 
5 
5 
5 
10 
5 
5 
5 
5 
5 
5 
10 
10 
5 
5 
5 
10 
5 
5 
10 
5 
0 
5 
5 
5 
5 
5 
5 
5 
5 
10 
5 
5 
5 
5 
5 
0 
10 
5 
5 
5 
5 
10 
5 
0 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
R 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
R 
C 
C 
C 
C 
C 
C 
C 
R 

1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 
2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 
3Status: C = Current, R = Rescinded


CRS 21 October 1, 2008 


COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES 


COMMUNITY 
NUMBER COMMUNITY NAME 
CRS 
ENTRY 
CURRENT 
EFFECTIVE 
CURRENT 
CLASS 
% DISCOUNT 
FOR 
% DISCOUNT 
FOR STATUS3 
DATE DATE SFHA1 NON-SFHA2 
370017 
370247 
370268 
370251 
370254 
370464 
370071 
370270 
375360 
370193 
375361 
385364 
385365 
390183 
390038 
390110 
390412 
390328 
390378 
390071 
390176 
390737 
390472 
390432 
390460 
390479 
390131 
390419 
400220 
400207 
400078 
400236 
400234 
400221 
400252 
400062 
400049 
400245 
400211 
400053 
405380 
405381 
North Carolina (continued) 
Washington, City ofWashington County 
Washington Park, Town of 
Watauga County 
Wayne County 
Whispering Pines, Village of 
Whiteville, City of 
Wilson, City of 
Winston-Salem, City of 
Winterville, Town of 
Wrightsville Beach, Town of 
North Dakota 
Fargo, City of 
Grand Forks, City of 
Ohio 
Delta, Village ofFairfield, City of 
Highland Heights, City of 
Kettering, City of 
Licking County 
Medina County 
New Richmond, Village of 
Obetz, Village of 
Orange, Village of 
Ottawa, Village of 
Ottawa County 
Preble County 
Shelby, City of 
South Euclid, City of 
West Carrollton, City of 
Oklahoma 
Bartlesville, City ofBixby, Town of 
Blackwell, City of 
Broken Arrow, City of 
Chickasha, City ofDewey, City of 
Edmond, City of 
Enid, City of 
Lawton, City of 
Lindsay, City of 
Sand Springs, City of 
Sapulpa, City of 
Stillwater, City of 
Tulsa, City of 
10/1/92 
10/1/94 
10/1/92 
10/1/91 
10/1/93 
10/1/91 
10/1/96 
10/1/91 
10/1/93 
10/1/93 
10/1/91 
05/1/06 
10/1/91 
10/1/92 
10/1/93 
10/1/91 
10/1/95 
10/1/93 
05/1/07 
10/1/92 
10/1/96 
10/1/91 
10/1/95 
10/1/92 
10/1/98 
10/1/92 
10/1/91 
05/1/02 
10/1/92 
10/1/93 
10/1/91 
10/1/93 
10/1/92 
10/1/92 
10/1/93 
10/1/93 
10/1/91 
10/1/92 
10/1/91 
10/1/92 
10/1/91 
10/1/91 
10/1/02 
10/1/99 
10/1/07 
10/1/91 
05/1/03 
10/1/96 
10/1/05 
10/1/05 
05/1/08 
10/1/97 
05/1/08 
05/1/06 
10/1/01 
10/1/92 
10/1/98 
10/1/92 
10/1/00 
10/1/97 
05/1/07 
10/1/02 
10/1/96 
10/1/91 
10/1/95 
10/1/92 
10/1/98 
10/1/92 
10/1/91 
05/1/02 
10/1/02 
10/1/98 
10/1/93 
10/1/08 
10/1/08 
10/1/92 
10/1/08 
10/1/93 
10/1/04 
10/1/93 
10/1/06 
10/1/93 
10/1/06 
10/1/03 
8 
8 
8 
9 
7 
10 
8 
7 
8 
10 
8 
7 
5 
9 
8 
10 
8 
8 
9 
8 
9 
9 
9 
9 
9 
9 
9 
9 
7 
10 
8 
5 
8 
9 
7 
9 
7 
10 
6 
10 
8 
2 
10 
10 
10 
5 
15 
0 
10 
15 
10 
0 
10 
15 
25 
5 
10 
0 
10 
10 
5 
10 
5 
5 
5 
5 
5 
5 
5 
5 
15 
0 
10 
25 
10 
5 
15 
5 
15 
0 
20 
0 
10 
40 
5 
5 
5 
5 
5 
0 
5 
5 
5 
0 
5 
5 
10 
5 
5 
0 
5 
5 
5 
5 
5 
5 
5 
5 
5 
5 
5 
5 
5 
0 
5 
10 
5 
5 
5 
5 
5 
0 
10 
0 
5 
10 
C 
C 
C 
C 
C 
R 
C 
C 
C 
R 
C 
C 
C 
C 
C 
R 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
R 
C 
C 
C 
C 
C 
C 
C 
R 
C 
R 
C 
C 

1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 
2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 
3Status: C = Current, R = Rescinded


CRS 22 October 1, 2008 


COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES 


COMMUNITY 
NUMBER COMMUNITY NAME 
CRS 
ENTRY 
CURRENT 
EFFECTIVE 
CURRENT 
CLASS 
% DISCOUNT 
FOR 
% DISCOUNT 
FOR STATUS3 
DATE DATE SFHA1 NON-SFHA2 
Oregon 
410137 Albany, City of 10/1/91 10/1/06 7 15 5 C 
410090 Ashland, City of 10/1/91 10/1/07 7 15 5 C 
410043 Bandon, City of 05/1/05 05/1/05 9 5 5 C 
410240 Beaverton,City of 10/1/91 10/1/94 10 0 0 R 
410008 Benton County 10/1/02 10/1/07 6 20 10 C 

410029 Cannon Beach, City of 10/1/94 10/1/99 7 15 5 C 
410092 Central Point, City of 10/1/92 05/1/02 7 15 5 C 
415588 Clackamas County 10/1/04 10/1/04 5 25 10 C 
410009 Corvallis, City of 10/1/91 10/1/01 7 15 5 C 
410059 Douglas County 10/1/00 10/1/00 8 10 5 C 
410122 Eugene, City of 10/1/91 10/1/01 7 15 5 C 
410108 Grants Pass, City of 10/1/92 05/1/02 8 10 5 C 
410175 Heppner, City of 05/1/06 05/1/06 8 10 5 C 
415589 Jackson County 10/1/91 05/1/02 7 15 5 C 
410154 Marion County 04/1/01 05/1/07 6 20 10 C 
410096 Medford, City of 10/1/94 10/1/94 9 5 5 C 
410064 Myrtle Creek, City of 05/1/03 05/1/08 10 0 0 R 
410200 Nehalam, City of 10/1/03 05/1/08 7 15 5 C 
410021 Oregon City, City of 10/1/03 05/1/08 7 15 5 C 
410186 Polk County 10/1/91 10/1/01 8 10 5 C 
410183 Portland, City of 10/1/01 10/1/07 5 25 10 C 
410201 Rockaway Beach, City of 10/1/04 10/1/04 8 10 5 C 
410098 Rogue River, City of 10/1/92 05/1/02 7 15 5 C 
410067 Roseburg, City of 10/1/94 10/1/99 8 10 5 C 
410167 Salem, City of 05/1/08 05/1/08 8 10 5 C 
410039 Scappoose, City of 10/1/93 05/1/08 7 15 5 C 
410144 Scio, City of 05/1/04 05/1/04 9 5 5 C 
410257 Sheridan, City of 10/1/01 10/1/01 8 10 5 C 
410213 Stanfield, City of 10/1/91 10/1/03 8 10 5 C 
410100 Talent, City of 10/1/00 05/1/06 9 5 5 C 
410202 Tillamook, City of 10/1/06 10/1/06 8 10 5 C 
410196 Tillamook County 04/1/01 04/1/01 6 20 10 C 
410021 Troutdale, City of 05/1/08 05/1/08 8 10 5 C 
Pennsylvania 
420339 Bloomsburg, Town of 10/1/93 10/1/03 8 10 5 C 
422034 Chapman, Township of 10/1/07 10/1/07 9 5 5 C 
420714 Danville, Borough of 10/1/06 10/1/06 8 10 5 C 
421062 Etna, Borough of 10/1/96 05/1/04 8 10 5 C 
421134 Granville, Township of 10/1/93 10/1/93 9 5 5 C 
420380 Harrisburg,City of 10/1/91 05/1/06 6 20 10 C 
420735 Herndon, Borough of 10/1/07 10/1/07 8 10 5 C 
420642 Jersey Shore, Borough of 10/1/93 10/1/93 9 5 5 C 
420612 Kingston, Borough of 10/1/92 10/1/92 9 5 5 C 
420613 Kingston, Township of 10/1/92 04/1/93 10 0 0 R 
420831 Lewisburg, Borough of 10/1/93 10/1/03 8 10 5 C 
420687 Lewistown, Borough of 10/1/93 10/1/93 9 5 5 C 
422105 Limestone, Township of 10/1/93 10/1/98 10 0 0 R 
421040 Loyalsock, Township of 10/1/94 04/1/01 10 0 0 R 
425384 Milton, Borough of 10/1/92 05/1/08 8 10 5 C 

1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 
2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 
3Status: C = Current, R = Rescinded


CRS 23 October 1, 2008 


COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES 


COMMUNITY 
NUMBER COMMUNITY NAME 
CRS 
ENTRY 
CURRENT 
EFFECTIVE 
CURRENT 
CLASS 
% DISCOUNT 
FOR 
% DISCOUNT 
FOR STATUS3 
DATE DATE SFHA1 NON-SFHA2 
421020 
420754 
420739 
421024 
421026 
425387 
421101 
420743 
420834 
420372 
420745 
421119 
420631 
445401 
445402 
445404 
440022 
450002 
450262 
450026 
450025 
450029 
455412 
455413 
450056 
455414 
450078 
455415 
450087 
450091 
450089 
450250 
455416 
450257 
450129 
450039 
450040 
455417 
450109 
450042 
450110 
450255 
450166 
450043 
450170 
450249 
Pennsylvania (continued) 
Monroe, Township of 
Newport, Borough of 
Northumberland, Borough of 
Penn, Township of 
Point, Township of 
Selinsgrove, Borough of 
Shaler, Township of 
Sunbury, City of 
Union, Township of 
Upper Allen, Township of 
Upper Augusta, Township of 
Upper St. Clair, Township of 
Wilkes-Barre, City of 
Rhode Island 
Middletown, Town of 
Narragansett, Town ofNorth Kingstown, Town of 
Pawtucket, City ofSouth Carolina 
Aiken County 
Awendaw, Town of 
Beaufort, City of 
Beaufort County 
Berkeley County 
Charleston, City ofCharleston County 
Colleton County 
Edisto Beach,Town of 
Florence, City of 
Folly Beach, Township of 
Georgetown, City ofGreenville, City of 
Greenville County 
Hilton Head Island, Town of 
Isle of Palms, City of 
Kiawah Island, Town of 
Lexington County 
McClellanville, Town of 
Meggett, City of 
Mount Pleasant, City of 
Myrtle Beach, City of 
North Charleston, City of 
North Myrtle Beach, Town of 
Pawleys Island, Town of 
Pickens County 
Ravenel, Town of 
Richland County 
Rockville, Town of 
10/1/07 
10/1/94 
10/1/07 
10/1/07 
10/1/07 
10/1/07 
10/1/94 
10/1/07 
10/1/93 
10/1/92 
10/1/07 
10/1/98 
10/1/92 
10/1/91 
10/1/92 
10/1/93 
10/1/02 
10/1/93 
10/1/96 
10/1/92 
10/1/91 
05/1/08 
10/1/93 
10/1/95 
05/1/05 
10/1/92 
10/1/91 
10/1/96 
10/1/93 
10/1/91 
10/1/93 
10/1/91 
10/1/94 
10/1/96 
10/1/91 
10/1/00 
10/1/96 
10/1/94 
10/1/91 
05/1/03 
10/1/91 
10/1/05 
04/1/99 
10/1/96 
10/1/95 
10/1/98 
10/1/07 
10/1/94 
10/1/07 
10/1/07 
10/1/07 
10/1/07 
10/1/04 
10/1/07 
10/1/98 
10/1/97 
10/1/07 
10/1/03 
05/1/08 
04/1/00 
10/1/07 
10/1/93 
10/1/07 
10/1/93 
10/1/05 
05/1/08 
10/1/07 
05/1/08 
05/1/05 
10/1/05 
05/1/07 
10/1/96 
10/1/97 
10/1/01 
10/1/03 
10/1/04 
10/1/03 
10/1/97 
10/1/04 
10/1/00 
10/1/07 
10/1/07 
10/1/05 
10/1/08 
05/1/03 
10/1/07 
10/1/97 
05/1/07 
05/1/04 
10/1/05 
10/1/95 
10/1/05 
9 
9 
8 
8 
8 
7 
8 
8 
10 
10 
8 
8 
7 
8 
8 
9 
10 
9 
6 
8 
7 
9 
7 
5 
7 
8 
8 
8 
8 
7 
8 
6 
7 
6 
8 
7 
6 
7 
5 
7 
7 
8 
8 
6 
9 
6 
5 
5 
10 
10 
10 
15 
10 
10 
0 
0 
10 
10 
15 
10 
10 
5 
0 
5 
20 
10 
15 
5 
15 
25 
15 
10 
10 
10 
10 
15 
10 
20 
15 
20 
10 
15 
20 
15 
25 
15 
15 
10 
10 
20 
5 
20 
5 
5 
5 
5 
5 
5 
5 
5 
0 
0 
5 
5 
5 
5 
5 
5 
0 
5 
10 
5 
5 
5 
5 
10 
5 
5 
5 
5 
5 
5 
5 
10 
5 
10 
5 
5 
10 
5 
10 
5 
5 
5 
5 
10 
5 
10 
C 
C 
C 
C 
C 
C 
C 
C 
R 
R 
C 
C 
C 
C 
C 
C 
R 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 

1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 
2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 
3Status: C = Current, R = Rescinded


CRS 24 October 1, 2008 


COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES 


COMMUNITY 

CRS 

CURRENT 

CURRENT 

% DISCOUNT 

% DISCOUNT 

COMMUNITY NAME 

STATUS3 

FOR

NUMBER 

ENTRY 

EFFECTIVE 

CLASS 

FOR 

NON-SFHA2

DATE 

DATE 

SFHA1 

South Carolina (continued) 

450256 

Seabrook Island, Town of 

10/1/95 

10/1/00 

6 

20 

10 

C 

455418 

Sullivans Island, Town of 

05/1/04 

05/1/04 

8 

10 

5 

C 

450184 

Sumter, City of 

10/1/92 

10/1/92 

9 

5 

5 

C 

450182 

465420 

470211 
470182 
470176 
475425 
470105 
475426 
470059 
470184 
475433 
475434 
470070 
470040 

470100 
475448 
470204 

485454 
480624 
481193 
485456 
485457 
480289 
480586 
480082 
485459 
480167 
485462 
480484 
480170 
485464 
480171 
480291 
480194 
480774 
480173 
480214 
485468 
485471 
485472 

Sumter County 

South Dakota 

Rapid City, City of

Tennessee 

Athens, City of 
Bristol, City of 
Carthage, City of 
Elizabethton, City ofFayetteville, City of 
Gatlinburg, City of 
Humboldt, City of 
Kingsport, City of 
Knox County 
Knoxville, City of 
Morristown, City ofNashville, City of 
& Davidson County 
Ripley, Town of 
Spring City, Town of 
Williamson County 

Texas 

Arlington, City of 
Austin, City of 
Bastrop County 
Baytown, City ofBeaumont, City of 
Bellaire, City of 
Benbrook, City ofBryan, City of 
Burleson, City of 
Carrollton, City of 
Cleburne, City of 
Conroe, City of 
Coppell, City of 
Corpus Christi, City of 
Dallas, City of 
Deer Park, City of 
Denton, City of 
Denton County 
Duncanville, City of 
El Paso, City of 
Friendswood, City of 
Garland, City of 
Grand Prairie, City of 

10/1/92 

10/1/92 

9 

5 

5 

C 

10/1/92 

10/1/02 

8 

10 

5 

C 

10/1/93 

10/1/93 

9 

5 

5 

C 

05/1/06 

10/1/07 

8 

10 

5 

C 

10/1/92 

10/1/02 

8 

10 

5 

C 

10/1/93 

10/1/93 

9 

5 

5 

C 

10/1/92 

10/1/93 

10 

0 

0 

R 

10/1/93 

10/1/93 

9 

5 

5 

C 

10/1/93 

10/1/96 

10 

0 

0 

R 

10/1/92 

10/1/97 

10 

0 

0 

R 

10/1/02 

10/1/02 

9 

5 

5 

C 

10/1/92 

10/1/06 

8 

10 

5 

C 

10/1/92 

10/1/93 

10 

0 

0 

R 

10/1/91 

10/1/06 

8 

10 

5 

C 

10/1/91 

10/1/96 

10 

0 

0 

R 

10/1/92 

10/1/97 

10 

0 

0 

R 

10/1/08 

10/1/08 

9 

5 

5 

C 

10/1/91 

05/1/05 

8 

10 

5 

C 

10/1/91 

10/1/06 

7 

15 

5 

C 

10/1/04 

10/1/04 

8 

10 

5 

C 

10/1/91 

05/1/06 

6 

20 

10 

C 

10/1/08 

10/1/08 

8 

10 

5 

C 

10/1/93 

10/1/08 

8 

10 

5 

C 

10/1/91 

10/1/06 

6 

20 

10 

C 

10/1/95 

05/1/08 

7 

15 

5 

C 

10/1/91 

05/1/07 

8 

10 

5 

C 

10/1/91 

10/1/01 

7 

15 

5 

C 

10/1/92 

10/1/92 

9 

5 

5 

C 

10/1/92 

05/1/02 

7 

15 

5 

C 

10/1/93 

10/1/08 

7 

15 

5 

C 

10/1/91 

10/1/91 

9 

5 

5 

C 

10/1/91 

05/1/02 

7 

15 

5 

C 

10/1/00 

10/1/00 

9 

5 

5 

C 

10/1/91 

05/1/07 

6 

20 

10 

C 

10/1/92 

10/1/93 

10 

0 

0 

R 

10/1/91 

10/1/01 

8 

10 

5 

C 

10/1/91 

10/1/91 

9 

5 

5 

C 

10/1/91 

10/1/03 

5 

25 

10 

C 

10/1/91 

10/1/97 

7 

15 

5 

C 

10/1/91 

05/1/05 

7 

15 

5 

C 

1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 
2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 
3Status: C = Current, R = Rescinded


CRS 25 October 1, 2008 


COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES 


COMMUNITY 
NUMBER COMMUNITY NAME 
CRS 
ENTRY 
CURRENT 
EFFECTIVE 
CURRENT 
CLASS 
% DISCOUNT 
FOR 
% DISCOUNT 
FOR STATUS3 
DATE DATE SFHA1 NON-SFHA2 
480287 
480296 
480601 
485481 
485487 
485488 
480195 
480452 
480477 
485491 
480607 
480206 
480307 
480077 
480140 
485499 
480184 
485505 
485507 
480502 
485513 
481585 
480662 
490039 
490074 
490040 
490019 
490072 
490214 
490216 
490159 
490178 
490177 
490052 
500013 
500126 
505518 
510001 
515519 
515520 
510134 
510002 
515525 
510054 
Texas (continued) 
Harris County 
Houston, City of 
Hurst, City of 
Kemah, City of 
LaPorte, City of 
League City, City of 
Lewisville, City of 
Lubbock, City of 
Midland, City of 
Nassau Bay, City ofNorth Richland Hills, City of 
Odessa, City of 
Pasadena, City of 
Pearland, City of 
Plano, City of 
Port Arthur, City of 
Richardson, City ofSan Marcos, City of 
Seabrook, City ofSweetwater, City ofTaylor Lake Village, City of 
Tiki Island, Village of 
Wichita Falls, City of 
Utah 
Bountiful, City ofCedar City, City of 
Centerville, City of 
Logan, City of 
Moab, City of 
North Ogden, City of 
Orem, City of 
Provo, City of 
Santa Clara, Town of 
St. George, City of 
West Bountiful, City of 
Vermont 
Bennington, Town of 
Brattleboro, Town of 
Montpelier, City ofVirginia 
Accomack County 
Alexandria, City of 
Arlington County 
Bridgewater, Town of 
Chincoteague, City of 
Fairfax County 
Falls Church, City of 
05/1/04 
05/1/02 
10/1/92 
10/1/92 
10/1/99 
10/1/92 
10/1/91 
10/1/92 
10/1/92 
10/1/92 
10/1/91 
10/1/92 
10/1/91 
05/1/05 
10/1/92 
10/1/91 
10/1/91 
10/1/92 
10/1/02 
10/1/91 
10/1/96 
10/1/01 
10/1/91 
10/1/91 
10/1/94 
05/1/02 
10/1/93 
04/1/01 
10/1/93 
10/1/93 
10/1/91 
10/1/95 
10/1/94 
10/1/96 
10/1/93 
10/1/91 
10/1/98 
10/1/92 
10/1/92 
10/1/92 
10/1/96 
10/1/00 
10/1/93 
05/1/07 
05/1/04 
10/1/07 
10/1/02 
10/1/00 
10/1/99 
10/1/92 
10/1/96 
10/1/93 
10/1/94 
10/1/94 
10/1/99 
10/1/08 
10/1/92 
05/1/05 
10/1/08 
10/1/91 
10/1/97 
10/1/02 
10/1/02 
05/1/08 
05/1/02 
05/1/06 
10/1/07 
10/1/91 
10/1/96 
10/1/08 
10/1/03 
10/1/06 
10/1/08 
05/1/08 
10/1/96 
10/1/95 
05/1/04 
10/1/96 
10/1/93 
10/1/91 
10/1/98 
10/1/96 
10/1/02 
10/1/08 
05/1/06 
10/1/03 
10/1/03 
05/1/07 
8 
6 
8 
5 
8 
9 
7 
8 
8 
8 
7 
7 
10 
8 
5 
9 
8 
7 
9 
9 
8 
8 
8 
9 
10 
7 
8 
8 
9 
7 
8 
9 
7 
9 
9 
9 
9 
8 
8 
8 
8 
8 
8 
8 
10 
20 
10 
25 
10 
5 
15 
10 
10 
10 
15 
15 
0 
10 
25 
5 
10 
15 
5 
5 
10 
10 
10 
5 
0 
15 
10 
10 
5 
15 
10 
5 
15 
5 
5 
5 
5 
10 
10 
10 
10 
10 
10 
10 
5 
10 
5 
10 
5 
5 
5 
5 
5 
5 
5 
5 
0 
5 
10 
5 
5 
5 
5 
5 
5 
5 
5 
5 
0 
5 
5 
5 
5 
5 
5 
5 
5 
5 
5 
5 
5 
5 
5 
5 
5 
5 
5 
5 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
R 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
R 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 

1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 
2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 
3Status: C = Current, R = Rescinded


CRS 26 October 1, 2008 


COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES 


COMMUNITY 
NUMBER COMMUNITY NAME 
CRS 
ENTRY 
CURRENT 
EFFECTIVE 
CURRENT 
CLASS 
% DISCOUNT 
FOR 
% DISCOUNT 
FOR STATUS3 
DATE DATE SFHA1 NON-SFHA2 
510071 
510201 
510090 
510104 
510183 
515529 
510119 
510130 
510190 
510053 
510005 
510182 
530073 
530074 
530153 
530103 
530104 
530024 
530051 
530200 
530140 
530166 
530079 
530071 
530156 
530102 
530316 
530169 
530158 
530085 
530143 
530138 
530088 
530151 
535534 
530090 
530173 
530204 
530188 
530193 
530198 
530217 
540199 
540065 
540004 
Virginia (continued) 
Gloucester County 
James City County 
Loudoun County 
Norfolk, City ofPoquoson, City ofPortsmouth, City ofPrince William County 
Roanoke, City of 
Roanoke County 
Vienna, Town of 
Wachapreague, Town of 
York County 
Washington 
Auburn, City of 
Bellevue, City ofBurlington, City of 
Centralia, City of 
Chehalis, City of 
Clark County 
Ephrata, City of 
Everson, City ofFife, City of 
Index, Town of 
Issaquah, City ofKing County 
La Conner, Town of 
Lewis County 
Lower Elwha Klallam Tribe 
Monroe, City of 
Mount Vernon, City of 
North Bend, City ofOrting, City of 
Pierce County 
Renton, City of 
Skagit County 
Snohomish County 
Snoqualmie, City ofSultan, City of 
Sumas, City of 
Thurston County 
Wahkiakum County 
Whatcom County 
Yakima County 
West Virginia 
Buckhannon, City ofJefferson County 
Philippi, City of 
10/1/95 
10/1/92 
10/1/92 
10/1/92 
10/1/92 
10/1/92 
10/1/96 
10/1/96 
10/1/91 
10/1/96 
10/1/96 
10/1/05 
10/1/92 
10/1/92 
10/1/94 
10/1/94 
10/1/94 
10/1/04 
10/1/00 
10/1/94 
05/1/06 
04/1/98 
10/1/92 
10/1/91 
10/1/96 
10/1/94 
10/1/00 
10/1/91 
05/1/97 
10/1/95 
05/1/08 
10/1/95 
10/1/94 
04/1/98 
05/1/06 
10/1/92 
10/1/03 
10/1/93 
10/1/00 
10/1/07 
10/1/96 
10/1/07 
05/1/07 
10/1/06 
05/1/03 
10/1/95 
10/1/92 
05/1/03 
10/1/92 
10/1/97 
10/1/00 
10/1/01 
10/1/08 
10/1/06 
10/1/96 
10/1/96 
10/1/05 
05/1/08 
05/1/06 
04/1/99 
10/1/99 
05/1/04 
10/1/04 
10/1/00 
10/1/99 
05/1/06 
05/1/08 
05/1/08 
10/1/07 
10/1/97 
10/1/99 
05/1/05 
05/1/06 
10/1/07 
05/1/06 
05/1/08 
05/1/08 
10/1/99 
10/1/08 
05/1/06 
05/1/02 
05/1/08 
05/1/08 
10/1/00 
10/1/07 
10/1/06 
10/1/07 
05/1/07 
10/1/06 
05/1/03 
9 
9 
10 
9 
9 
9 
8 
7 
8 
9 
9 
9 
5 
5 
6 
7 
6 
7 
8 
8 
7 
6 
5 
2 
8 
7 
7 
5 
7 
6 
7 
3 
7 
4 
5 
5 
7 
7 
5 
8 
6 
8 
8 
9 
8 
5 
5 
0 
5 
5 
5 
10 
15 
10 
5 
5 
5 
25 
25 
20 
15 
20 
15 
10 
10 
15 
20 
25 
40 
10 
15 
15 
25 
15 
20 
15 
35 
15 
30 
25 
25 
15 
15 
25 
10 
20 
10 
10 
5 
10 
5 
5 
0 
5 
5 
5 
5 
5 
5 
5 
5 
5 
10 
10 
10 
5 
10 
5 
5 
5 
5 
10 
10 
10 
5 
5 
5 
10 
5 
10 
5 
10 
5 
10 
10 
10 
5 
5 
10 
5 
10 
5 
5 
5 
5 
C 
C 
R 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 

1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 
2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 
3Status: C = Current, R = Rescinded


CRS 27 October 1, 2008 


COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES 


COMMUNITY 
NUMBER COMMUNITY NAME 
CRS 
ENTRY 
CURRENT 
EFFECTIVE 
CURRENT 
CLASS 
% DISCOUNT 
FOR 
% DISCOUNT 
FOR STATUS3 
DATE DATE SFHA1 NON-SFHA2 
550001 
550612 
550128 
550578 
550022 
555562 
550085 
550487 
550310 
550660 
550107 
550108 
550537 
560037 
560030 
560013 
560029 
560085 
560044 
Wisconsin 
Adams County 
Allouez, Village of 
Eau Claire, City of 
Elm Grove, Village ofGreen Bay, City of 
La Crosse, City ofMazomanie, Village ofNew Berlin, City of 
Ozaukee County 
Suamico, Village ofWatertown, City ofWaupun, City of 
Winnebago County 
Wyoming 
Casper, City of 
Cheyenne, City ofDouglas, City of 
Laramie County 
Park County 
Sheridan, City of 
10/1/91 
10/1/92 
10/1/91 
04/1/01 
10/1/91 
10/1/91 
10/1/91 
10/1/05 
10/1/91 
05/1/08 
10/1/91 
10/1/91 
10/1/91 
10/1/00 
05/1/03 
10/1/93 
05/1/03 
10/1/91 
10/1/95 
05/1/07 
10/1/02 
10/1/08 
10/1/06 
10/1/01 
10/1/02 
10/1/91 
10/1/05 
10/1/07 
05/1/08 
10/1/07 
10/1/01 
10/1/01 
10/1/00 
05/1/03 
10/1/93 
05/1/03 
10/1/96 
10/1/95 
8 
7 
7 
6 
7 
8 
9 
8 
8 
8 
7 
8 
8 
9 
7 
9 
8 
10 
9 
10 
15 
15 
20 
15 
10 
5 
10 
10 
10 
15 
10 
10 
5 
15 
5 
10 
0 
5 
5 
5 
5 
10 
5 
5 
5 
5 
5 
5 
5 
5 
5 
5 
5 
5 
5 
0 
5 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
C 
R 
C 

1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 
2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 
3Status: C = Current, R = Rescinded



(TABLE OF CONTENTS) TABLE OF CONTENTS
(PREVIOUS SECTION) PREVIOUS SECTION
(NEXT SECTION) NEXT SECTION
CRS 28 October 1, 2008 


(PREVIOUS SECTION) PREVIOUS SECTION
(TABLE OF CONTENTS) TABLE OF CONTENTS
(NEXT SECTION) NEXT SECTION
GUIDANCE FOR SEVERE REPETITIVE LOSS PROPERTIES


I. GENERAL DESCRIPTION 
The primary objective of the severe repetitive loss 
(SRL) properties strategy is to eliminate or reduce 
the damage to property and the disruption to life 
caused by repeated flooding. Approximately 
8,000 insured properties have been identified with 
a high frequency of losses or a high value of 
claims. As these policies come up for renewal, 
they will be transferred to the NFIP Servicing 
Agents 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 strategys 
primary objective. The SRL group consists of any 
NFIP-insured residential property that has met at 
least one of the following paid flood loss criteria 
since 1978, regardless of ownership: 

1. Four or more separate claim payments of 
more than $5,000 each (including building 
and contents payments); or 
2. Two or more separate claim payments 
(building payments only) where the total of 
the payments exceeds the current value of 
the property. 
In either case, two of the claim payments must 
have occurred within 10 years of each other. 
Multiple losses at the same location within 10 
days of each other are counted as one loss, with 
the payment amounts added together. 

The loss history includes all ownership of the 
property since 1978 or since the buildings 
construction if built after 1978. 

Severe repetitive loss properties with renewal 
dates of January 1, 2007, and later will be 
afforded coverage (new business or renewal) 
only through the SDF. 

The agent of record will remain in that capacity 
while the policy is in the SDF. The NFIP Servicing 
Agent will pay the agent of record the standard 15 
percent commission that is paid on all NFIP 
Direct business. 

II. NOTIFICATION REQUIREMENTS 
Policies that renew on or after January 1, 2007, 
and meet the criteria for severe repetitive loss will 
be transferred to the SDF for policy issuance. 

Any policy that meets the SRL criteria during the 
current term will be transferred to the SDF with 
the subsequent renewal. As requests for review 
(discussed in III. Dispute Resolution below) are 
successful, and FEMA or its designee approves 
properties for mitigation, policies will be 
transferred out of the SDF. 

When policies are to be transferred to the SDF, 
the NFIP Bureau and Statistical Agent will notify 
WYO companies and the NFIP Servicing Agent 
at least 150 days prior to the expiration date. The 
companies will notify the affected policyholders, 
their agents, and their lenders 90 days before 
expiration of the policy. This notice will explain 
that the policies are ineligible for coverage 
outside of the SDF. (See agent, lender, and 
policyholder SDF Notification Letters on pages 
SRL 3-8.) Offers to renew will be issued by the 
SDF approximately 45 days prior to the 
expiration date. 

III. DISPUTE RESOLUTION 
The designation of a property as SRL is based 
on the data on file with the NFIP. If the 
policyholder believes the claims history is 
inaccurate, or if the property has already been 
mitigated to reduce future flooding, the 
designation may be challenged. 

When a policyholder has documentation that the 
NFIP-insured property has not sustained the 
losses reported, a request for review may be 
presented, in writing, to the NFIP Bureau and 
Statistical Agent. All documentation to 
substantiate the review must be included with the 
request letter. The policy will remain in the SDF 
during the review. 

The policyholder and agent will be notified of the 
results of the review. If the policyholders 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 SDFs 
effective dates. If, however, a loss occurs both in 
the current term and before the policy can be 
returned to the former carrier, the SDF will 
continue to service the claim and will return the 
policy at the next renewal cycle, unless the new 
claim qualifies the property for the SDF. 

SRL 1 October 1, 2008 


If FEMA has approved the property for mitigation 
efforts other than buyout or demolition, the 
property will be removed from the SDF at the next 
renewal. 

If the property is bought out or demolished under 
an approved FEMA mitigation project, and the 
mitigation efforts for the specific property are 
FEMA approved, the policy will be canceled and 
the pro-rata premium (less Federal Policy Fee 
and, if applicable, Probation Surcharge) will be 
refunded. When a property is bought out or 
demolished, any commission chargeback to the 
agent will be forgiven. 

IV. SEVERE REPETITIVE LOSS PILOT 
GRANT PROGRAM 
Through the Flood Insurance Reform Act of 
2004 (FIRA 2004), Congress directed FEMA to 
develop a program to reduce future flood losses. 
The SRL Pilot Grant Program makes pre-
disaster mitigation grant funding available for a 
variety of flood mitigation activities. Under this 
program, FEMA provides funds to State and 
local governments to make offers of assistance 
to NFIP-insured SRL residential property owners 
for mitigation projects that reduce future flood 
losses through: 

 Acquisition or relocation of at-risk structures 
and conversion of the property to open 
space; 
 Elevation of existing structures; or 
 Dry floodproofing of historic properties. 
SRL mitigation grants are provided to eligible 
applicant States/Tribes/Territories that, in turn, 
provide subgrants to local governments or 
communities. The applicant must have a FEMA- 
approved mitigation program in place that 
includes SRL properties. 

State and local officials will prioritize SRL 
properties within their jurisdictions for SRL 
grants. They may contact the policyholder 
directly to determine the appropriate mitigation 
activity that will most effectively reduce future 
flood losses and to advise them of their inclusion 
in the SRL grant application. If a grant is 
awarded, a written offer will be made to the 
policyholder. 

Participation in the SRL program is voluntary. 
However, SRL policyholders who refuse an offer 
of mitigation will be subject to an increase in 
their flood insurance premium rate equal to 150 
percent of the chargeable rate for the property at 
the time the offer was made, as adjusted by any 
other premium adjustments otherwise applicable 
to the property. This increase will more 
accurately reflect the flood risk to the SRL 
property. Upon notification from FEMA of an 
SRL policyholders declining an offer of 
mitigation under this program, the SDF will send 
a Premium Increase Notification Letter (pages 
SRL 9-10) to notify all holders of recorded 
interest for the property. 

An SRL policyholder who has declined a 
mitigation offer may appeal the insurance 
premium rate increase within 90 days of the 
notification. The appeal must be based on one 
of the six provisions for appeal specified in the 
FIRA 2004. The SDF will postpone all rate 
increases for which a valid appeal was filed and 
will monitor the appeals progress. If the policy 
renewal falls within the appeal period, the SDF 
will send the Renewal Billing Letter shown on 
page SRL 11. However, if the policy renewal 
falls after the appeal period, the SDF will send 
the Renewal Billing Letter shown on page SRL 

12. 
The law also provides for increased insurance 
premium rates if an SRL property whose owner 
declined an offer of mitigation incurs any 
subsequent flood loss with resulting NFIP 
payments in excess of $1,500 in aggregate. In 
this case, the premium rate will be increased an 
additional 50 percent, and the SDF will send the 
Renewal Billing Letter shown on page SRL 13. 
In no case will rate increases exceed the current 
actuarial rating for the structure. 

More detailed information regarding SRL grants 
availability, eligibility requirements, tools, and 
application instructions is available on the FEMA 
website at http://www.fema.gov/government/ 
grant/srl/index.shtm. 

SRL 2 October 1, 2008 


U.S. Department of Homeland Security 
500 C Street, SW 
Washington, DC 20472 


IMPORTANT FLOOD INSURANCE POLICY INFORMATION 

Insureds Name: 

Property Address: 

Policy Number: 

Dear Agent: 

As you may be aware, your clients property, which is covered by flood insurance, has 
experienced repetitive flood losses under FEMAs National Flood Insurance Program (NFIP). 
This letter is to inform you that your clients property meets the criteria for a new subset of 
repetitive loss structures: insured residential properties with a high frequency of losses or a high 
value of claims. These properties are designated Severe Repetitive Loss (SRL) properties. 

Congress recognized that SRL properties represent the greatest risk of sustaining repeated flood 
losses and, through the Flood Insurance Reform Act of 2004 (FIRA 2004), made it a top priority 
to reduce the number of SRL properties nationwide. As of May 2008, FEMA has identified 
approximately 8,000 properties that meet the standard for SRL. The loss characteristics of an 
SRL property must meet one of the following criteria based on paid flood losses since 1978, 
regardless of ownership: 

(1) Four or more separate claim payments of more than $5,000 each (building and/or 
contents payments); or 
(2) Two or more separate claim payments (building payments only) where the total of the 
payments exceeds the current value of the property. 
In either case, two of the claim payments must have occurred within 10 years of each other. If 
there are multiple losses at the same location within 10 days of each other, they are counted as 
one loss, with the payment amounts added collectively. 

The strategy for reducing the number of SRL properties is twofold: First, the NFIP has 
centralized the processing of all flood insurance policies of SRL properties in order for FEMA to 
obtain additional underwriting information, verify loss information, and collect information 
about the flood risk to the SRL properties. Second, FEMA is implementing a new mitigation 
grant program authorized by FIRA 2004 to mitigate SRL properties. You need to be aware of 
the following: 

 The Write Your Own (WYO) Insurance Companies that sell and service flood insurance 
under the NFIP will assign flood insurance policies for SRL properties, upon renewal, to 
a centralized processing center operated by the NFIPs Servicing Agent. This center is 
the Special Direct Facility (SDF). 
www.fema.gov 

Agent SDF Notification Letter, Page 1 

SRL 3 October 1, 2008 


Agent 
Date 
Page 2 

 As a result, your clients policy will not be processed by the chosen WYO Company or 
by the traditional NFIP Direct Program. You will, however, continue to be the agent of 
record throughout the process. While the policy remains in the SDF, you will receive the 
same 15 percent commission that the NFIP Direct agents are given. 
 Approximately 45 days prior to the renewal date of the policy, your client will receive a 
premium bill from the NFIP Servicing Agent. This bill is the only bill that should be 
paid by your client. 
 For the time being, the SDF will be the only source for NFIP flood insurance coverage 
for your clients property. As always, the full premium amount and any related fees 
should be paid by the date indicated. The policy sent to your client will meet all the 
requirements of any mortgage company to the same extent as the current policy. 
 You should encourage your client to continue to contact you directly for any service 
needs on the policy because you will remain the agent of record. 
 The NFIP provides a procedure for your client to follow if he or she believes that FEMA 
has incorrectly included his or her insured property on its list of SRL properties. 
The new mitigation grant program authorized by FIRA 2004 may provide Federal grant funds to 
pay for up to 75 percent (up to 90 percent if certain state mitigation floodplain requirements are 
met) of the cost of eligible mitigation activities, such as elevating your clients NFIP-insured 
structure. Mitigated properties may qualify for reduced flood insurance rates. You should 
encourage your client to obtain additional information and refer them to the appropriate local 
floodplain manager or state hazard mitigation official. 

FEMAs goal is to reduce the devastating effects of repetitive flood losses. If you have questions 
about this letter and the SRL procedures, please contact the NFIP Help Center by telephone at 
the toll-free number 1-866-395-7496. 

Sincerely, 


David I. Maurstad 
Assistant Administrator 
Mitigation Directorate 

Agent SDF Notification Letter, Page 2 

SRL 4 October 1, 2008 


U.S. Department of Homeland Security 
500 C Street, SW 
Washington, DC 20472 


IMPORTANT FLOOD INSURANCE POLICY INFORMATION 

Insureds Name: 

Property Address: 

Policy Number: 

Dear Lender: 

As you may be aware, your clients property, which is covered by flood insurance, has 
experienced repetitive flood losses under FEMAs National Flood Insurance Program (NFIP). 
This letter is to inform you that your clients property meets the criteria for a new subset of 
repetitive loss structures: insured residential properties with a high frequency of losses or a high 
value of claims. These properties are designated Severe Repetitive Loss (SRL) properties. 

Congress recognized that SRL properties represent the greatest risk of sustaining repeated flood 
losses and, through the Flood Insurance Reform Act of 2004 (FIRA 2004), made it a top priority 
to reduce the number of SRL properties nationwide. As of May 2008, FEMA has identified 
approximately 8,000 properties that meet the standard for SRL. The loss characteristics of an 
SRL property must meet one of the following criteria based on paid flood losses since 1978, 
regardless of ownership: 

(1) Four or more separate claim payments of more than $5,000 each (building and/or 
contents payments); or 
(2) Two or more separate claim payments (building payments only) where the total of the 
payments exceeds the current value of the property. 
In either case, two of the claim payments must have occurred within 10 years of each other. If 
there are multiple losses at the same location within 10 days of each other, they are counted as 
one loss, with the payment amounts added collectively. 

The strategy for reducing the number of SRL properties is twofold: First, the NFIP has 
centralized the processing of all flood insurance policies of SRL properties in order for FEMA to 
obtain additional underwriting information, verify loss information, and collect information 
about the flood risk to the SRL properties. Second, FEMA is implementing a new mitigation 
grant program authorized by FIRA 2004 to mitigate SRL properties. You need to be aware of 
the following: 

 The Write Your Own (WYO) Insurance Companies that sell and service flood insurance 
under the NFIP will assign flood insurance policies for SRL properties, upon renewal, to 
a centralized processing center operated by the NFIPs Servicing Agent. This center is 
the Special Direct Facility (SDF). 
www.fema.gov 

Lender SDF Notification Letter, Page 1 

SRL 5 October 1, 2008 


Lender 
Date 
Page 2 

 As a result, your clients policy will not be processed by the chosen WYO Company or 
by the traditional NFIP Direct Program. 
 Approximately 45 days prior to the renewal date of the policy, your client will receive a 
premium bill from the NFIP Servicing Agent. This bill is the only bill that should be 
paid by your client. 
 For the time being, the SDF will be the only source for NFIP flood insurance coverage 
for your clients property. As always, the full premium amount and any related fees 
should be paid by the date indicated. The policy sent to your client will meet all the 
requirements of any mortgage company to the same extent as the current policy. 
 The NFIP provides a procedure for your client to follow if he or she believes that FEMA 
has incorrectly included his or her insured property on its list of SRL properties. 
The new mitigation grant program authorized by FIRA 2004 may provide Federal grant funds to 
pay for up to 75 percent (up to 90 percent if certain state mitigation floodplain requirements are 
met) of the cost of eligible mitigation activities, such as elevating your clients NFIP-insured 
structure. Mitigated properties may qualify for reduced flood insurance rates. You should 
encourage your client to obtain additional information and refer them to the appropriate local 
floodplain manager or state hazard mitigation official. 

FEMAs goal is to reduce the devastating effects of repetitive flood losses. If you have questions 
about this letter and the SRL procedures, please contact the NFIP Help Center by telephone at 
the toll-free number 1-866-395-7496. 

Sincerely, 


David I. Maurstad 
Assistant Administrator 
Mitigation Directorate 

Lender SDF Notification Letter, Page 2 

SRL 6 October 1, 2008 


U.S. Department of Homeland Security 
500 C Street, SW 
Washington, DC 20472 


IMPORTANT FLOOD INSURANCE POLICY INFORMATION 

Insureds Name: 

Property Address: 

Policy Number: 

Dear Policyholder: 

As you may be aware, your property, which is covered by flood insurance, has experienced 
repetitive flood losses under FEMAs National Flood Insurance Program (NFIP). This letter is 
to inform you that your property meets the criteria for a new subset of repetitive loss structures: 
insured residential properties with a high frequency of losses or a high value of claims. These 
properties are designated Severe Repetitive Loss (SRL) properties. 

Congress recognized that SRL properties represent the greatest risk of sustaining repeated flood 
losses and, through the Flood Insurance Reform Act of 2004 (FIRA 2004), made it a top priority 
to reduce the number of SRL properties nationwide. As of May 2008, FEMA has identified 
approximately 8,000 properties that meet the standard for SRL. The loss characteristics of an 
SRL property must meet one of the following criteria based on paid flood losses since 1978, 
regardless of ownership: 

(1) Four or more separate claim payments of more than $5,000 each (building and/or 
contents payments); or 
(2) Two or more separate claim payments (building payments only) where the total of the 
payments exceeds the current value of the property. 
In either case, two of the claim payments must have occurred within 10 years of each other. If 
there are multiple losses at the same location within 10 days of each other, they are counted as 
one loss, with the payment amounts added collectively. 

The strategy for reducing the number of SRL properties is twofold. First, the NFIP has 
centralized the processing of all flood insurance policies of SRL properties in order for FEMA to 
obtain additional underwriting information, verify loss information, and collect information 
about the flood risk to the SRL properties. Second, FEMA is implementing a new mitigation 
grant program authorized by FIRA 2004 to mitigate SRL properties. You need to be aware of 
the following: 

 The Write Your Own (WYO) Insurance Companies that sell and service flood 
insurance under the NFIP will assign flood insurance policies for SRL properties, upon 
renewal, to a centralized processing center operated by the NFIPs Servicing Agent. This 
center is the Special Direct Facility (SDF). 
www.fema.gov 

Policyholder SDF Notification Letter, Page 1 

SRL 7 October 1, 2008 


Policyholder 
Date 
Page 2 

 As a result, your policy will not be processed by your chosen WYO Company or by the 
traditional NFIP Direct Program. Your agent, however, will continue to be the agent of 
record throughout the process. 
 Approximately 45 days prior to the renewal date of your policy, you will receive a 
premium bill from the NFIP Servicing Agent. This bill is the only bill that you should 
pay. 
 For the time being, the SDF will be the only source for NFIP flood insurance coverage 
for your property. As always, the full premium amount and any related fees should be 
paid by the date indicated. The policy sent to you will meet all the requirements of any 
mortgage company to the same extent as your current policy. 
 You may continue to contact your agent directly for any service needs on the policy 
because he or she will remain the agent of record. 
 The NFIP provides a procedure for you to follow if you believe that FEMA has 
incorrectly included your insured property on its list of SRL properties. 
The new mitigation grant program authorized by FIRA 2004 may provide Federal grant funds to 
pay for up to 75 percent (up to 90 percent if certain state mitigation floodplain requirements are 
met) of the cost of eligible mitigation activities, such as elevating your NFIP-insured structure. 
Mitigated properties may qualify for reduced flood insurance rates. To obtain additional 
information, please contact your local floodplain manager or state hazard mitigation official. 

FEMAs goal is to reduce the devastating effects of repetitive flood losses. If you have questions 
about this letter and the SRL procedures, please contact the NFIP Help Center by telephone at 
the toll-free number 1-866-395-7496. 

Sincerely, 


David I. Maurstad 
Assistant Administrator 
Mitigation Directorate 

Policyholder SDF Notification Letter, Page 2 

SRL 8 October 1, 2008 


National Flood Insurance Program 

U.S. Department of Homeland Security 
P.O. Box 2966 
Shawnee Mission, KS 66201-1366 
DATE 
<Name> 
<Address> 
<City, State ZIP> 

Re.: Policy Number RL000 

Dear <Name>: 

In June 2004, Congress passed the Flood Insurance Reform Act of 2004 (FIRA 2004), which 
contains provisions to develop a Grant Program for the mitigation of Severe Repetitive Loss 
(SRL) properties. FIRA 2004 requirements dictate that flood insurance premium rates for a 
policy increase when a property owner declines a qualified mitigation offer. 

Previously, we informed you that your building insured under the above-referenced policy 
number is an SRL property. A qualified mitigation offer was made to you in a letter from your 
community, < >, dated < >. We have been notified that you refused to accept that qualified 
mitigation offer by your response dated < >. 

Because a qualified mitigation offer was made to you for your insured building, and because you 
declined that offer, FIRA 2004 requires the premium rate upon renewal of your flood policy to 
reflect a 50-percent increase over the premium rate in effect at the time that the qualified 
mitigation offer was made to you. In addition, this rate may be adjusted by other premium 
adjustments otherwise applicable to the property. Our records show that the premium rates on 
your flood policy for the last policy term (when the mitigation offer was made to you, and 
refused) were $00.83/00.89 for Building Coverage and $01.62/00.79 for Contents Coverage. 
The new premium rates for your flood policy will now be $([00.83/00.89] x 1.5) for Building 
Coverage and $([01.62/00.79] x 1.5) for Contents Coverage, before the addition of other 
applicable flood policy fees. Also, other information may impact the rating of your flood 
insurance policy. 

Below is a summary of your current coverages and rates: 

Premium Increase Notification Letter, Page 1 
www.fema.gov 
SRL 9 October 1, 2008 


<Name> 
DATE 
Page 2 

Below is a summary of your estimated renewal coverages and rates: 


Please note that this is not a bill; it is only an estimate of premium based on current coverages 
and underwriting information. You will be billed for the next policy term 45 days prior to the 
current term expiration. 

The offer of mitigation you received may still be an active offer while funding remains available. 
Please contact FEMA Region < > if you would now like to accept that qualified mitigation 
offer. 

If you do not wish to accept the mitigation offer, your policy will be subject to a rate increase 
unless you file an appeal to the proposed rate increase. See the enclosed document for more 
information regarding the appeal process. If you choose to appeal, please continue to keep your 
policy in force so that you may continue to receive protection under the National Flood 
Insurance Program. 

Sincerely, 

Underwriting Department 
800-638-6620 

Enclosure 

Premium Increase Notification Letter, Page 2 

SRL 10 October 1, 2008 


National Flood Insurance Program 

U.S. Department of Homeland Security 
P.O. Box 2966 
Shawnee Mission, KS 66201-1366 
DATE 
<Name> 
<Address> 
<City, State ZIP> 

YOUR FLOOD INSURANCE RENEWAL BILLING IS ENCLOSED 

Re.: Policy Number RL000 

Dear <Name>: 

As previously communicated to you, your property insured by a National Flood Insurance Program 
flood insurance policy was identified as a Severe Repetitive Loss property. You were offered an 
opportunity to accept mitigation assistance. Because you declined the offer for mitigation assistance, 
the premium rates on the flood insurance policy renewal will reflect a 50-percent increase over the 
premium rates in effect at the time that the qualified mitigation offer was made to you, in accordance 
with the Flood Insurance Reform Act of 2004. 

As you were previously informed, you have the right to appeal the increase in premium. Your appeal 
must be received by the FEMA regional office by < >. We have enclosed a brochure that details 
the appeal procedure. 

We have enclosed two renewal bills for your policy. The total premium due on the $< > bill 
reflects the described rate increase. However, if you choose to appeal the rate increase within the 
allotted timeframe, please pay the $< > amount. 

PLEASE NOTE: If you do choose to appeal, in addition to paying the $< >, you must also submit 
an appeal with the FEMA regional office in accordance with the procedure detailed in the attached 
brochure. If you pay the smaller premium of $< > AND do not submit an appeal within the allotted 
time frame, the amount of coverage on your policy will be reduced to the amount that can be 
purchased with the premium that we receive. 

In addition to your appeal option, the original mitigation offer may still be active. Please contact 
FEMA Region < > if you would now like to accept that qualified offer of mitigation. Also note 
that this policy may be subject to additional premium increases in the future if the property has an 
additional paid NFIP flood loss in excess of $1,500. 

Because you have an insurable interest in a property that has had multiple flood losses, you are 
certainly aware of the benefit of keeping your flood insurance policy in force. Please pay your 
renewal premium promptly, regardless of any appeal status, to keep the flood insurance coverage on 
your property in force. 

Sincerely, 

Underwriting Department 
800-638-6620 

Enclosures 

www.fema.gov 

Renewal Billing Letter Within Appeal Period 

SRL 11 October 1, 2008 


National Flood Insurance Program 

U.S. Department of Homeland Security 
P.O. Box 2966 
Shawnee Mission, KS 66201-1366 
DATE 

<Name> 
<Address> 
<City, State ZIP> 

YOUR FLOOD INSURANCE RENEWAL BILLING IS ENCLOSED 

Re.: Policy Number RL000 

Dear <Name>: 

As previously communicated to you, your property insured by a National Flood Insurance 
Program flood insurance policy was identified as a Severe Repetitive Loss property. You were 
offered an opportunity to accept mitigation assistance. Because you declined the offer for 
mitigation assistance, the premium rates on the flood insurance policy renewal are subject to a 
50-percent increase over the premium rates in effect at the time that the qualified mitigation offer 
was made to you, in accordance with the Flood Insurance Reform Act of 2004. 

The enclosed renewal bill reflects this increased premium. 

Please note that this policy may be subject to additional premium increases in the future if the 
property has an additional paid NFIP flood loss in excess of $1,500. 

If the funding remains available, the original mitigation offer may still be active. You can 
contact FEMA Region < > if you now wish to accept that qualified offer of mitigation. 

Because you have an insurable interest in a property that has had multiple flood losses, you are 
certainly aware of the benefit of keeping your flood insurance policy in force. Please pay the 
enclosed bill promptly to continue the flood insurance coverage on your property. 

Sincerely, 

Underwriting Department 
800-638-6620 

Enclosure 

www.fema.gov 

Renewal Billing Letter After Appeal Period 

SRL 12 October 1, 2008 


National Flood Insurance Program 

U.S. Department of Homeland Security 
P.O. Box 2966 
Shawnee Mission, KS 66201-1366 
DATE 

<Name> 
<Address> 
<City, State ZIP> 

YOUR FLOOD INSURANCE RENEWAL BILLING IS ENCLOSED 

Re.: Policy Number RL000 

Dear <Name>: 

As previously communicated to you, your property insured by a National Flood Insurance 
Program flood insurance policy was identified as a Severe Repetitive Loss property. You were 
offered an opportunity to accept mitigation assistance. Because you declined the offer of 
mitigation assistance, the premium rates on the flood insurance policy were increased by 50 
percent, in accordance with the Flood Insurance Reform Act of 2004, over the premium rates in 
effect at the time that the qualified mitigation offer was made. 

Your property has had an additional paid NFIP loss in excess of $1,500 and therefore is subject 
to an additional 50-percent increase over the current rate. The enclosed renewal bill reflects this 
increased premium. 

Please note that this policy may be subject to additional premium increases in the future, if the 
property continues to have additional paid NFIP flood losses in excess of $1,500. 

If the funding remains available, the original mitigation offer may still be active,. You can 
contact FEMA Region < > if you now wish to accept that qualified offer of mitigation. 

Since you have an insurable interest in a property that has had multiple flood losses, you are 
certainly aware of the benefit of keeping your flood insurance policy in force. Please pay the 
enclosed bill to continue the flood insurance coverage on your property. 

Sincerely, 

Underwriting Department 
800-638-6620 

Enclosure 

www.fema.gov 

Renewal Billing Letter After Additional Loss 

SRL 13 October 1, 2008 


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DEFINITIONS 


This list of terms is intended to include those that have specific meaning to the National Flood Insurance 
Program (NFIP). In a few instances, standard industry terms have been added for additional focus and


emphasis. 

Act. The National Flood Insurance Act of 1968 and 
any amendments to it. 

Actual Cash Value (ACV). The cost to replace an 
insured item of property at the time of loss, less the 
value of its physical depreciation. 

Adjuster Control Office. An NFIP claims office 
similar to a Flood Insurance Claims Office (FICO) 
with the exception that the Adjuster Control Office 
does not house insured files, maintain a claims 
examiner staff at the site, or issue claim payments. 

Alternative Rating. A rating method used when a 
building is Pre-FIRM, the FIRM zone is unknown, 
and the community in which the building is located 
has no V zones. May also be used for renewal of 
policies in communities that have converted from 
the Emergency Program to the Regular Program 
during a policys term. 

Anchored. Adequately secured to prevent 
flotation, collapse, or lateral movement. 

Application. The statement made and signed by 
the prospective policyholder or the agent in 
applying for an NFIP flood insurance policy. The 
application gives information used to determine the 
eligibility of the risk, the kind of policy to be issued, 
and the correct premium payment. The application 
is part of the flood insurance policy. For a policy to 
be issued, the correct premium payment must 
accompany the application. 

Appurtenant Structure. A detached garage 
servicing a 1-4 family dwelling. 

Assignment. The transfer by a policyholder of 
his/her legal right or interest in a policy contract to 
a third party. In the NFIP, written assignment of a 
policy is permissible upon transfer of title, without 
the consent of the Federal Emergency 
Management Agency (FEMA), except in the case 
where a residential (household) contents-only 
policy is involved or a policy was issued to cover a 
building in the course of construction. 

Base Flood. A flood having a 1 percent chance of 
being equaled or exceeded in any given year. 

Base Flood Depth (BFD). The depth shown on the 
Flood Insurance Rate Map for Zone AO that indicates 
the depth of water above highest adjacent grade 
resulting from a flood that has a 1 percent chance of 
equaling or exceeding that level in any given year. 

Base Flood Elevation (BFE). The elevation 
shown on the Flood Insurance Rate Map for Zones 
AE, AH, A1-A30, AR, AR/A, AR/AE, AR/A1-A30, 
AR/AH, AR/AO, V1-V30, and VE that indicates the 
water surface elevation resulting from a flood that 
has a one percent chance of equaling or 
exceeding that level in any given year. 

Basement. Any area of the building, including any 
sunken room or sunken portion of a room, having 
its floor below ground level (subgrade) on all sides. 

Binder or Certificate of Insurance. A temporary 
agreement between company, producer, and insured 
that the policy is in effect. The NFIP does not 
recognize binders. However, the NFIP recognizes 
Certificates of Insurance for renewal policies. 

Blanket Insurance. A single amount of insurance 
applying to more than one building and/or contents. 
Blanket insurance is not permitted under the NFIP. 

Breakaway Wall. A wall that is not part of the 
structural support of the building and is intended 
through its design and construction to collapse 
under specific lateral loading forces, without 
causing damage to the elevated portion of the 
building or supporting foundation system. 

Building. 

 A structure with two or more outside rigid walls 
and a fully secured roof, that is affixed to a 
permanent site; or 
 A manufactured home (a manufactured 
home, also known as a mobile home, is a 
structure built on a permanent chassis, 
transported to its site in one or more sections, 
and affixed to a permanent foundation); or 
 A travel trailer without wheels, built on a 
chassis and affixed to a permanent 
foundation, that is regulated under the 
communitys floodplain management and 
building ordinances or laws. 
Building does not mean a gas or liquid storage 
tank or a recreational vehicle, park trailer, or 
other similar vehicle, except as described above. 

DEF 1 May 1, 2008 


Building in the Course of Construction. A 
walled and roofed building (see page GR 4 for 
exception) that is principally above ground and 
affixed to a permanent site. It does not include 
building materials or supplies intended for use in 
construction, alteration, or repair unless such 
materials or supplies are within an enclosed 
building on the premises. 

Cancellation. The ending of the insurance 
coverage provided by a policy before the 
expiration date. 

Cistern. Covered cisterns and the water in them 
are defined as an integral part of an insurable 
building, meaning under the building or above 
ground and physically attached to a side of the 
building with one of the walls of the building and 
cistern being common to each other. 

Claims Coordinating Office (CCO). A 
clearinghouse for the various insurers who are 
responding to a multi-peril catastrophe. Through 
voluntary participation, all losses are reported to 
the Claims Coordinating Office and are 
processed to locate address matches among the 
reported claims. The interest of each carrier is 
protected as the Claims Coordinator maintains 
sole control over the policy and loss information. 
If a match is found, special care is taken to 
direct the assigned adjuster(s) to a mutually 
agreeable adjustment or to have one adjuster 
surrender his/her loss with the assurance that 
every effort will be made to replace it. 

Closed Basin Lake. A natural lake from which 
water leaves primarily through evaporation and 
whose surface area exceeds or has exceeded 
1 square mile at any time in the recorded past. 
NFIP-insured buildings that are subject to 
continuous lake flooding from a closed basin 
lake are covered under the provisions of 
Standard Flood Insurance Policy. 

Coastal Barrier. A naturally occurring island, 
sandbar, or other strip of land, including coastal 
mainland, that protects the coast from severe 
wave wash. 

Coastal Barrier Improvement Act of 1990 
(CBIA). Enacted on November 16, 1990, the Act 
greatly expanded the identified land in the 
Coastal Barrier Resources System established 
pursuant to the Coastal Barrier Resources Act of 
1982. 

Coastal Barrier Resources Act of 1982 
(CBRA). For the purposes of the NFIP, the 
Coastal Barrier Resources Act of 1982 
designated certain portions of the Gulf and East 
Coasts as undeveloped coastal barriers. These 

areas are shown on appropriate flood insurance 
map panels and have certain coverage 
restrictions. 

Coastal Barrier Resources System (CBRS). 

Communities, coastal barriers, and other 
protected areas identified by the Department of 
the Interior legislation defined above. 

Coastal High Hazard Areas. Special Flood 
Hazard Areas along the coasts that have 
additional hazards due to wind and wave action. 
These areas are identified on Flood Insurance 
Rate Maps as Zones V, V1-V30, and VE. 

Coinsurance. A penalty imposed on the loss 
payment unless the amount of insurance carried 
on the damaged building is at least 80 percent of 
its replacement cost or the maximum amount of 
insurance available for that building under the 
NFIP, whichever is less. Coinsurance applies 
only to building coverage under the Residential 
Condominium Building Association Policy. 

Community. A political entity that has the 
authority to adopt and enforce floodplain 
ordinances for the area under its jurisdiction. 

Community Number. A 6-digit designation 
identifying each NFIP community. The first two 
numbers are the state code. The next four are 
the FEMA-assigned community number. An 
alphabetical suffix is added to a community 
number to identify revisions in the Flood 
Insurance Rate Map for that community. 

Community Rating System (CRS). A program 
developed by FEMA to provide incentives for 
those communities in the Regular Program that 
have gone beyond the minimum floodplain 
management requirements to develop extra 
measures to provide protection from flooding. 

Condominium. That form of ownership of real 
property in which each unit owner has an 
undivided interest in common elements. 

Condominium Association. The entity made 
up of the unit owners responsible for the 
maintenance and operation of: 

 Common elements owned in undivided 
shares by unit owners; 
 Other real property in which the unit owners 
have use rights; 
where membership in the entity is a required 
condition of unit ownership. 

Contract Agent. An employee of a WYO 
Company, or an agent under written contract 
with a WYO Company, empowered to act on the 
companys behalf and with authority to advise an 

DEF 2 May 1, 2008 


applicant for flood insurance that the company 
will accept the risk. 

Countywide Map. A Flood Insurance Rate Map 
that shows flooding information for the entire 
geographic area of a county, including the 
incorporated communities within the county. 

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 
insurers name. The Declarations Page is a part 
of the flood insurance policy. 

Deductible Buyback. The option whereby, for 
an additional premium, policyholders who wish 
to reduce their deductibles from the standard 
deductibles of $1,000 per building loss and per 
contents loss for Pre-FIRM risks may purchase 
separate $500 deductibles for building and 
contents coverages. 

Described Location. The location where the 
insured building or personal property is found. 
The described location is shown on the 
Declarations Page. 

Diagram Number. Any of the numbers used in 
the instructions to the FEMA Elevation 
Certificate to identify the diagrams of the eight 
main types of buildings. 

Direct Physical Loss By or From Flood. Loss 
or damage to insured property, directly caused 
by a flood. There must be evidence of physical 
changes to the property. 

Doublewide Manufactured (Mobile) Home. A 
manufactured (mobile) home that, when 
assembled as a nonmovable, permanent 
building, is at least 16 feet wide and has an area 
within its perimeter walls of at least 600 square 
feet. 

Dwelling. A building designed for use as a 
residence for no more than four families or a single-
family unit in a building under the condominium 
form of ownership. 

Dwelling Form. See Standard Flood Insurance 
PolicyDwelling Form. 

Elevated Building. A building that has no 
basement and that has its lowest elevated floor 
raised above ground level by foundation walls, 
shear walls, posts, piers, pilings, or columns. 
Solid perimeter foundations walls are not an 
acceptable means of elevating buildings in V 
and VE zones. 

Emergency Program. The initial phase of a 
communitys participation in the National Flood 
Insurance Program. During this phase, only 
limited amounts of insurance are available under 
the Act. 

Enclosure. That portion of an elevated building 
below the lowest elevated floor that is either 
partially or fully shut in by rigid walls. 

Erosion. The collapse, undermining, or 
subsidence of land along the shore of a lake or 
other body of water. Erosion is a covered peril if 
it is caused by waves or currents of water 
exceeding their cyclical levels which result in 
flooding. 

Expense Constant. A flat fee formerly charged 
on each new and renewal policy, the Expense 
Constant was eliminated effective May 1, 2003, 
and no longer affects the premium calculation 
for new and renewal business. However, the 
Expense Constant may affect the calculation of 
refunds going back prior to May 1, 2003, for 
policy cancellations and endorsements. 

Federal Emergency Management Agency 
(FEMA). The federal agency under which the 
National Flood Insurance Program (NFIP) is 
administered. In March 2003, FEMA became 
part of the newly created U.S. Department of 
Homeland Security. 

Federal Policy Fee. A flat charge that the 
policyholder must pay on each new or renewal 
policy to defray certain administrative expenses 
incurred in carrying out the National Flood 
Insurance Program. 

Financial Assistance/Subsidy Arrangement. 

The arrangement between an insurance 
company and FEMA to initiate the companys 
participation in the Write Your Own (WYO) 
Program. It establishes the duties of the 
company and the government. 

Finished (Habitable) Area. An enclosed area 
having more than 20 linear feet of finished walls 
(paneling, etc.) or used for any purpose other 
than solely for parking of vehicles, building 
access, or storage. 

DEF 3 May 1, 2008 


Flood. 

 A general and temporary condition of partial 
or complete inundation of two or more acres 
of normally dry land area or of two or more 
properties (at least one of which is the 
policyholders property) from: 
 Overflow of inland or tidal waters; 
 Unusual and rapid accumulation or 
runoff of surface waters from any 
source; or 
 Mudflow; or 
 Collapse or subsidence of land along the 
shore of a lake or similar body of water as a 
result of erosion or undermining caused by 
waves or currents of water exceeding 
anticipated cyclical levels that result in a 
flood as defined above. 
Flood Hazard Boundary Map (FHBM). Official 
map of a community issued by FEMA, where the 
boundaries of the flood, mudflow, and related 
erosion areas having special hazards have been 
designated. 

Flood Insurance Claims Office (FICO). An 
NFIP claims processing office set up in a 
catastrophe area when a sufficient number of 
flood claims result from a single event. 

Flood Insurance Rate Map (FIRM). Official 
map of a community on which FEMA has 
delineated both the special hazard areas and 
the risk premium zones applicable to the 
community. 

Flood Response Office (FRO). The FRO 
provides a local presence in the affected area 
and supports the WYO companies, the NFIP 
Servicing Agent, and various federal, state, and 
local officials in providing answers to claims 
coverage questions, forms for claims handling, 
and survey and statistical input. One of the key 
requirements of personnel at the FRO is to 
coordinate and conduct reinspections of WYO 
and NFIP Direct losses. The FRO also tracks 
adjuster performance and provides such 
information to interested WYO and NFIP Direct 
companies. 

Floodplain. Any land area susceptible to being 
inundated by flood waters from any source. 

Floodplain Management. The operation of an 
overall program of corrective and preventive 
measures for reducing flood damage, including 
but not limited to, emergency preparedness 
plans, flood control works, and floodplain 
management regulations. 

Floodproofing. Any combination of structural 
and nonstructural additions, changes, or 
adjustments to structures, which reduce or 

eliminate risk of flood damage to real estate or 
improved real property, water and sanitation 
facilities, or structures with their contents. 

Freeboard. An additional amount of height 
above the Base Flood Elevation used as a factor 
of safety (e.g., 2 feet above the Base Flood) in 
determining the level at which a structure's 
lowest floor must be elevated or floodproofed to 
be in accordance with State or community 
floodplain management regulations. 

General Property Form. See Standard Flood 
Insurance PolicyGeneral Property Form. 

Grade Elevation. The lowest or highest finished 
ground level that is immediately adjacent to the 
walls of the building. Use natural (preconstruction), ground level, if available, for Zone 
AO and Zone A (without BFE). 

Grandfathering. An exemption based on 
circumstances previously existing. Under the 
NFIP, buildings located in Emergency Program 
communities and PreFIRM buildings in the 
Regular Program are eligible for subsidized 
flood insurance rates. PostFIRM buildings in 
the Regular Program built in compliance with the 
floodplain management regulations in effect at 
the start of construction will continue to have 
favorable rate treatment even though higher 
base flood elevations or more restrictive, greater 
risk zone designations result from FIRM 
revisions. 

Group Flood Insurance. Issued by the NFIP 
Direct Program in response to a Presidential 
disaster declaration. Disaster assistance 
applicants, in exchange for a modest premium, 
receive a minimum amount of building and/or 
contents coverage for a 3-year policy period. An 
applicant may cancel the group policy at any 
time and secure a regular Standard Flood 
Insurance Policy through the NFIP. 

High-Rise Building. High-rise condominium 
buildings have five or more units and at least 
three floors excluding enclosure even if it is the 
lowest floor for rating purposes. An enclosure 
below an elevated building, even if it is the 
lowest floor for rating purposes, cannot be 
counted as a floor to avoid classifying the 
building as low rise. 

Historic Building. Any building that is: 

 Listed individually in the National Register of 
Historic places (a listing maintained by the 
Department of the Interior) or preliminarily 
determined by the Secretary of the Interior 
DEF 4 May 1, 2008 


as meeting the requirements for individual 
listing on the National Register; or 

 Certified or preliminarily determined by the 
Secretary of the Interior as contributing to 
the historical significance of a registered 
historic district or a district preliminarily 
determined by the Secretary to qualify as a 
registered historic district; or 
 Individually listed in a state inventory of 
historic places in states with preservation 
programs that have been approved by the 
Secretary of the Interior; or 
 Individually listed on a local inventory of 
historic places in communities with historic 
preservation programs that have been 
certified either: 
 By an approved state program as 
determined by the Secretary of the 
Interior, or 
 Directly by the Secretary of the Interior 
in states without approved programs. 
Improvements and Betterments. Fixtures, 
alterations, installations, or additions made or 
acquired solely at a tenants expense and 
comprising part of an insured building. 

Increased Cost of Compliance. Coverage for 
expenses that a property owner must incur, 
above and beyond the cost to repair the physical 
damage the structure actually sustained from a 
flooding event, to comply with mitigation 
requirements of State or local floodplain 
management ordinances or laws. Acceptable 
mitigation measures are elevation, floodproofing, 
relocation, demolition, or any combination 
thereof. 

Letter of Determination Review (LODR). 

FEMAs ruling on the determination made by a 
lender or third party that a borrowers building is 
in a Special Flood Hazard Area (SFHA). A 
LODR deals only with the location of a building 
relative to the SFHA boundary shown on the 
Flood Insurance Rate Map. 

Letter of Map Amendment (LOMA). An 
amendment to the currently effective FEMA map 
which establishes that a property is not located 
in a Special Flood Hazard Area. A LOMA is 
issued only by FEMA. 

Letter of Map Revision (LOMR). An official 
amendment to the currently effective FEMA 
map. It is issued by FEMA and changes flood 
zones, delineations, and elevations. 

Loss in Progress. A loss that is already 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 next to the building. 

Lowest Floor. The lowest floor of the lowest 
enclosed area (including a basement). An 
unfinished or flood-resistant enclosure, usable 
solely for parking of vehicles, building access, or 
storage in an area other than a basement area, 
is not considered a building's lowest floor 
provided that such enclosure is not built so as to 
render the structure in violation of requirements. 

Lowest Floor Elevation (LFE). The measured 
distance of a buildings lowest floor above the 
National Geodetic Vertical Datum (NGVD) or 
other datum specified on the FIRM for that 
location. 

Low-Rise Building. Low-rise condominium 
buildings have fewer than five units regardless 
of the number of floors or five or more units with 
fewer than three floors including basement. All 
townhouses/rowhouses, regardless of the 
number of floors or units, and all single-family 
detached condominium buildings are classified 
as low rise. An enclosure below an elevated 
building, even if it is the lowest floor for rating 
purposes, cannot be counted as a floor to avoid 
classifying the building as low rise. 

Mandatory Purchase. Under the provisions of 
the Flood Disaster Protection Act of 1973, 
individuals, businesses, and others buying, 
building, or improving property located in 
identified areas of special flood hazards within 
participating communities are required to 
purchase flood insurance as a prerequisite for 
receiving any type of direct or indirect federal 
financial assistance (e.g., any loan, grant, guaranty, 
insurance, payment, subsidy, or disaster 
assistance) when the building or personal property 
is the subject of or security for such assistance. 

Manufactured (Mobile) Home. A structure built 
on a permanent chassis, transported to its site in 
one or more sections, and affixed to a 
permanent foundation. Manufactured (mobile) 
home does not include recreational vehicles. 

Manufactured (Mobile) Home Park or 
Subdivision, Existing. A manufactured 
(mobile) home park or subdivision for which the 
construction of facilities for servicing the lots on 
which the manufactured (mobile) homes are to 
be affixed (including, at a minimum, the 
installation of utilities, the construction of streets, 
and either final site grading or the pouring of 
concrete pads) is completed on or before 
December 31, 1974, or before the effective date 
of the communitys initial FIRM, whichever is 
later. 

DEF 5 May 1, 2008 


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 
communitys initial FIRM, whichever is later. 

Map Revision. A change in the FHBM or FIRM 
for a community which reflects revised zone, 
base flood, or other information. 

Mean Sea Level. See National Geodetic 
Vertical Datum (NGVD). 

Modular Building. A building that is usually 
transported to its site on a steel frame or special 
trailer because it does not have a permanent 
chassis like a manufactured (mobile) home. A 
modular building is classified and rated under 
one of the other building types. 

Mortgage Portfolio Protection Program(MPPP). A program designed to help lending 
institutions maintain compliance with the Flood 
Disaster Protection Act of 1973, as amended. 
Policies written under the MPPP can be placed 
only through a WYO Company. 

Mudflow. A river of liquid and flowing mud on 
the surfaces of normally dry land areas, as when 
earth is carried by a current of water. Other 
earth movements, such as landslide, slope 
failure, or a saturated soil mass moving by 
liquidity down a slope, are not mudflows. 

National Flood Insurance Program (NFIP).

The program of flood insurance coverage and 
floodplain management administered under the 
Act and applicable Federal regulations 
promulgated in Title 44 of the Code of Federal 
Regulations, Subchapter B. 

National Geodetic Vertical Datum (NGVD).

National standard reference datum for 
elevations, formerly referred to as Mean Sea 
Level (MSL) of 1929. NGVD is used as the 
reference datum on most FIRMs. 

Natural Grade. The grade unaffected by 
construction techniques such as fill, 
landscaping, or berming. 

New Construction. Buildings for which the 
start of construction commenced on or after 
the effective date of an initial FIRM or after 
December 31, 1974, whichever is later, including 
any subsequent improvements. 

NFIP Bureau and Statistical Agent. A 
corporation, partnership, association, or any 
other organized entity that contracts with the 
Federal Emergency Management Agency to be 
the focal point of support operations for the 
NFIP. 

NFIP Servicing Agent. A corporation, 
partnership, association, or any other organized 
entity that contracts with the Federal Emergency 
Management Agency to service insurance 
policies as direct business. 

NFIP Special Direct Facility (SDF). Formed in 
2000, a branch of the NFIP Servicing Agent to 
which WYO companies transfer renewals for 
identified properties in the Repetitive Loss 
Target Group so that mitigation assistance can 
be offered to the policyholders. 

Non-Residential. Includes, but is not limited to: 
small business concerns, churches, schools, 
farm buildings (including grain bins and silos), 
poolhouses, clubhouses, recreational buildings, 
mercantile structures, agricultural and industrial 
structures, warehouses, hotels and motels with 
normal room rentals for less than 6 months 
duration, and nursing homes. 

Nullification. The act of declaring an insurance 
contract invalid from its inception so that, from a 
legal standpoint, the insurance contract never 
existed. 

Other Residential. Hotels or motels where the 
normal occupancy of a guest is 6 months or 
more; a tourist home or rooming house which 
has more than four roomers. A residential 
building (excluding hotels and motels with 
normal room rentals for less than 6 months 
duration) containing more than four dwelling 
units. Incidental occupancies such as office, 
professional private school, or studio occupancy, 
are permitted if the total area of such incidental 
occupancies is limited to less than 25 percent of 
the total floor area within the building. 

Out-As-Shown Determination. An alternative 
outcome of the FEMA Letter of Map Amendment 
(LOMA) review process stating that a specific 
property is located outside the Special Flood 

DEF 6 May 1, 2008 


Hazard Area as indicated on the Flood Hazard 
Boundary Map or Flood Insurance Rate Map. 

Participating Community. A community for 
which FEMA has authorized the sale of flood 
insurance under the NFIP. 

Policy. The entire written contract between the 
insured and the insurer. It includes: 

 The printed policy form; 
 The application and Declarations Page; 
 Any endorsement(s) that may be issued; 
and 
 Any renewal certificate indicating that 
coverage has been instituted for a new 
policy and new policy term. 
Only one dwelling, specifically described by the 
prospective policyholder in the application, may 
be insured under a policy. 

Pollutants. Substances that include, but are not 
limited to, any solid, liquid, gaseous, or thermal 
irritant or contaminant, including smoke, vapor, 
soot, fumes, acids, alkalis, chemicals, and 
waste. Waste includes, but is not limited to, 
materials to be recycled, reconditioned, or 
reclaimed. 

Ponding Hazard. A flood hazard that occurs in 
flat areas when there are depressions in the 
ground that collect ponds of water. The 
ponding hazard is represented by the zone 
designation AH on the FIRM. 

Post-FIRM Building. A building for which 
construction or substantial improvement 
occurred after December 31, 1974, or on or after 
the effective date of an initial Flood Insurance 
Rate Map (FIRM), whichever is later. 

Pre-FIRM Building. A building for which 
construction or substantial improvement 
occurred on or before December 31, 1974, or 
before the effective date of an initial Flood 
Insurance Rate Map (FIRM). 

Preferred Risk Policy (PRP). A policy that 
offers fixed combinations of building/contents 
coverage or contents-only coverage at modest, 
fixed premiums. The PRP is available for 
property located in B, C, and X Zones in Regular 
Program communities that meets eligibility 
requirements based on the propertys flood loss 
history. 

Prepaid Amount (Total). The total amount that 
must be submitted with an application or 
renewal in order to be acceptable for coverage. 
It is determined by adding the Federal Policy 
Fee to the Total Prepaid Premium. 

Prepaid Premium (Total). The amount on the 
application (excluding the Preferred Risk 
Application) that includes the Annual Subtotal, 
the ICC Premium, the CRS Premium Discount (if 
applicable), and the Probation Surcharge (if 
applicable). 

Presentment of Payment (Premium). The date 
of receipt of premium at the office of the NFIP or 
the date of certified mail. In the case of transfer 
of title, the date of settlement or closing, when 
the premium is paid at that time. 

Principal Residence. A single-family dwelling in 
which, at the time of loss, the named insured or 
the named insureds spouse has lived for either 
80 percent of the 365 days immediately 
preceding the loss, or 80 percent of the period of 
ownership, if less than 365 days. 

Principally Above Ground Building. A building 
that has at least 51 percent of its actual cash 
value, including machinery and equipment, 
above ground. 

Probation. A FEMA-imposed change in a 
communitys status resulting from violations and 
deficiencies in the administration and 
enforcement of NFIP local floodplain 
management regulations. 

Probation Surcharge (Premium). A flat charge 
that the policyholder must pay on each new or 
renewal policy issued covering property in a 
community that the NFIP has placed on 
probation under the provisions of 44 CFR 59.24. 

Proper Openings - Enclosures (Applicable to 
Zones A, A1-A30, AE, AO, AH, AR, and AR 
Dual). All enclosures below the lowest elevated 
floor must be designed to automatically equalize 
hydrostatic flood forces on exterior walls by 
allowing for the entry and exit of floodwaters. A 
minimum of two openings, with positioning on at 
least two walls, having a total net area of not less 
than 1 square inch for every square foot of 
enclosed area subject to flooding must be 
provided. The bottom of all openings must be no 
higher than 1 foot above grade. 

Property Removed to Safety Expense. Up to 
$1,000 of reasonable expenses incurred by the 
insured to temporarily remove insured property 
from the described location because of flood or 
the imminent danger of flood. 

Provisional Rating. A method for placing flood 
coverage prior to the receipt of a FEMA 
Elevation Certificate. 

DEF 7 May 1, 2008 


Regular Program. The final phase of a 
communitys participation in the National Flood 
Insurance Program. In this phase, a Flood 
Insurance Rate Map is in effect and full limits of 
coverage are available under the Act. 

Regular Program Community. A community 
wherein a FIRM is in effect and full limits of 
coverage are available under the Act. 

Repetitive Loss Structure. An NFIP-insured 
structure that has had at least two paid flood 
losses of more than $1,000 each in any 10-year 
period since 1978. 

Replacement Cost Value (RCV). The cost to 
replace property with the same kind of material 
and construction without deduction for 
depreciation. 

Residential Condominium Building. A 
building, owned and administered as a condominium, containing one or more family units and 
in which at least 75 percent of the floor area is 
residential. 

Residential Condominium Building 
Association Policy (RCBAP). See Standard 
Flood Insurance PolicyResidential Condominium Building Association Policy (RCBAP). 

Scheduled Building Policy. A policy that 
requires a specific amount of insurance to be 
designated for each building and its contents. 

Section 1316. Section of the National Flood 
Insurance Act of 1968, as amended, which 
states that no new flood insurance coverage 
shall be provided for any property that FEMA 
finds has been declared by a duly constituted 
state or local zoning authority or other 
authorized public body to be in violation of state 
or local laws, regulations, or ordinances that are 
intended to discourage or otherwise restrict land 
development or occupancy in flood-prone areas. 

Severe Repetitive Loss (SRL) Properties. 

NFIP-insured buildings that, on the basis of paid 
flood losses since 1978, meet either of the loss 
criteria described on page SRL 1. SRL properties with policy effective dates of January 1, 
2007, and later will be afforded coverage (new 
business or renewal) only through the NFIP 
Servicing Agents Special Direct Facility so that 
they can be considered for possible mitigation 
activities. 

Shear Walls. Walls used for structural support 
but not structurally joined or enclosed at the 
ends (except by breakaway walls). Shear walls 

are parallel, or nearly parallel, to the flow of the 
water and can be used in any flood zone. 

Sheet Flow Hazard. A type of flood hazard with 
flooding depths of 1 to 3 feet that occurs in 
areas of sloping land. The sheet flow hazard is 
represented by the zone designation AO on the 
FIRM. 

Single Adjuster Program. A procedure 
implemented among the NFIP, various wind 
pools, and WYO Companies to allow one 
adjuster to represent both carriers in adjusting a 
combined wind-water loss where the NFIP has 
the flood coverage and another carrier has the 
wind coverage. 

Single Building. A building that is separated 
from other buildings by intervening clear space 
or solid, vertical, load-bearing division walls. 

Single-Family Residence. A residential single-
family dwelling. Incidental office, professional, 
private school, or studio occupancies, including 
a small service operation, are permitted if such 
incidental occupancies are limited to less than 
50 percent of the building's total floor area. 

Solid Perimeter Foundation Walls. Walls that 
are used as a means of elevating a building in 
A Zones and that must contain sufficient 
openings to allow for the unimpeded flow of 
floodwaters more than 1 foot deep. 

Special Flood Hazard Area (SFHA). An area 
having special flood, mudflow, or flood-related 
erosion hazards, and shown on a Flood Hazard 
Boundary Map or Flood Insurance Rate Map as 
Zone A, AO, A1-A30, AE, A99, AH, AR, AR/A, 
AR/AE, AR/AH, AR/AO, AR/A1-A30, V1-V30, 
VE, or V. For the purpose of determining 
Community Rating System premium discounts, 
all AR and A99 zones are treated as non-
SFHAs. 

Standard Flood Insurance PolicyDwelling 
Form. Policy issued to insure a building and/or 
residential contents on a single-family or a 2-4 
family dwelling. 

Standard Flood Insurance PolicyGeneral 
Property Form. Policy issued to insure a 
building and/or contents on other residential or 
non-residential buildings. 

Standard Flood Insurance PolicyResidential 
Condominium Building Association Policy 
(RCBAP). Policy issued to insure a residential 
condominium building and all units within the 

DEF 8 May 1, 2008 


building, provided that the building is located in a 
Regular Program community and at least 75 
percent of the total floor area is residential. 

Start of Construction. For other than new 
construction or substantial improvements, under 
the Coastal Barrier Resources Act, this is the 
date when the building permit was issued, 
provided that the actual start of construction, 
repair, rehabilitation, addition, placement, or 
other improvement was within 180 days of the 
permit date. The actual start means either the 
first placement of permanent construction of a 
building on site, such as the pouring of a slab or 
footing, the installation of piles, the construction 
of columns, or any work beyond the stage of 
excavation; or the placement of a manufactured 
(mobile) home on a foundation. For a substantial 
improvement, actual start of construction means 
the first alteration of any wall, ceiling, floor, or 
other structural part of a building, whether or not 
that alteration affects the external dimensions of 
the building. 

Stock. Merchandise held in storage or for sale, 
raw materials, and in-process or finished goods, 
including supplies used in their packing or 
shipping. Stock does not include any property 
not covered under Section IV. Property Not 
Covered of the General Property Form, except 
the following: 

 Parts and equipment for self-propelled 
vehicles; 
 Furnishings and equipment for watercraft; 
 Spas and hot-tubs, including their 
equipment; and 
 Swimming pool equipment. 
Submit-for-Rate. An application for flood 
insurance on a building for which no risk rate is 
published in the Flood Insurance Manual. 
Insurance coverage can be obtained only after 
the NFIP has approved the application and has 
established the risk premium rate. 

Substantial Damage. Damage of any origin 
sustained by a building whereby the cost of 
restoring the building to its before-damaged 
condition would equal or exceed 50 percent of 
the market value of the building before the 
damage occurred. 

Substantial Improvement. Any reconstruction, 
rehabilitation, addition, or other improvement of 
a building, the cost of which equals or exceeds 
50 percent of the market value of the building 
before the start of construction of the 
improvement. Substantial improvement includes 
buildings that have incurred substantial 

damage, regardless of the actual repair work 
performed. The term does not, however, include 
either any project for improvement of a building 
to correct existing state or local code violations 
or any alteration to a historic building, provided 
that the alteration will not preclude the buildings 
continued designation as a historic building. 

Suspension. FEMAs removal of an NFIP 
participating community from the Program 
because the community has not enacted and/or 
enforced the proper floodplain management 
regulations required for participation. 

Tentative Rates. Unpublished NFIP rates used 
to issue policies for applications that fail to 
provide the NFIP with valid actuarial rating 
information. 

Travel Trailer. Under the NFIP, a travel trailer 
can be considered a building only if it is without 
wheels, built on a chassis and affixed to a 
permanent foundation, and regulated under the 
communitys floodplain management and 
building ordinances or laws. 

2- to 4-Family Residence. A residential building 
(excluding hotels and motels with normal room 
rentals for less than 6 months duration) 
containing no more than four dwelling units. 
Incidental occupancies such as office, 
professional, private school, or studio space are 
permitted if the total area of such occupancies is 
limited to less than 25 percent of the total floor 
area within the building. 

Underground Building. A building for which 50 
percent or more of the actual cash value, 
including machinery and equipment that are part 
of the building, is below ground. 

Unfinished Area. An enclosed area that is used 
only for the parking of vehicles, building access, 
or storage purposes and that does not meet the 
definition of a finished (habitable) area. Drywall 
used for fire protection is permitted in unfinished 
areas. 

Unit. A single-family unit owned by the 
policyholder in a condominium building. 

Valued Policy. A policy in which the insured 
and the insurer agree on the value of the 
property insured, that value being payable in the 
event of a total loss. The Standard Flood 
Insurance Policy is not a valued policy. 

Variance. A grant of relief by a participating 
community from the terms of its floodplain 
management regulations. 

DEF 9 May 1, 2008 


Waiting Period. The time between the date of 
application and the policy effective date. 

Walled and Roofed. A building that has two or 
more exterior rigid walls and a fully secured roof 
and that is affixed to a permanent site. 

Wave Height Adjustment. A measurement that 
is added to the base flood elevation for V Zones 
shown on the Flood Insurance Rate Map 
published prior to 1981. For coastal 
communities, the base flood elevation shown on 
Flood Insurance Rate Maps published prior to 
1981 are still-water elevations, which include 

only the effects of tide and storm surge, and not 
the height of wind-generated waves. 

Write Your Own (WYO) Program. A 
cooperative undertaking of the insurance 
industry and the Federal Emergency 
Management Agency begun in October 1983. 
The WYO Program operates within the context 
of the NFIP and involves private insurance 
carriers who issue and service National Flood 
Insurance Program policies. 

Zone. A geographical area shown on a Flood 
Hazard Boundary Map or a Flood Insurance 
Rate Map that reflects the severity or type of 
flooding in the area. 

DEF 10 May 1, 2008 


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INDEX

 A 

ABOVE GROUND BUILDING, PRINCIPALLY ...GR 3, DEF 7 
ACT........................................................ REF 1, GR 6, DEF 1 
ACTUAL CASH VALUE (ACV) ..................................... DEF 1 
ADDITIONS AND EXTENSIONS 
(TO BUILDING)............................................ GR 5, RATE 16 
ADJUSTER CONTROL OFFICE ........................ CL 3, DEF 1 
ALTERNATIVE RATES ................RATE 21, END 1-2, DEF 1 
ANCHORED ................................................... GR 3-4, DEF 1 
APPLICATION ...................................... GR 11-13, APP 1-11, 
CONDO 8-9, PRP 6-8, DEF 1 
Binder or Certificate of Insurance...................GR 8, DEF 1 
Flood Insurance Application Form ......................APP 9-11 
Incomplete/Incorrect Applications ............................ APP 8 
Mailing Instructions...................................GR 8, 13, APP 8
APPURTENANT STRUCTURE ..........................GR 3, DEF 1 
ASSESSMENT COVERAGE ................ GR 11-12, CONDO 7 
ASSIGNMENT OF POLICY .............. GR 13, MPPP 6, DEF 1 


B 

BASE FLOOD ............................................................... DEF 1 
BASE FLOOD DEPTH................................. RATE 18, DEF 1
BASE FLOOD ELEVATION (BFE) ........ GR 13, RATE 17-21, 
MAP 2, 3, DEF 1
BASEMENT ........... APP 1, 3, RATE 25, CERT 3, 4-5, DEF 1 
BINDER OR CERTIFICATE OF INSURANCE ...GR 8, DEF 1 
BLANKET INSURANCE ............................................... DEF 1 
BOATHOUSES...............................................................GR 4 
BREAKAWAY WALLS ....................... GR 5, RATE 20, DEF 1 
BUILDING.................................GR 3-6, 6-7, APP 3-4, DEF 1 
Additions and Extensions ......................... GR 5, RATE 16 
Building Coverage Limits........................................RATE 1 
Building in the Course of Construction......................GR 4, 
APP 5, CONDO 6, DEF 2 
Buildings in More Than One Flood Zone.................GR 13, 
RATE 17 
Building on Fill ............................................................ PR 2 
Building Over Water ...............................................GR 4, 7 
Building Partially Underground...................................GR 7 
Container-Type Building.............................................GR 7 
Contents .......................GR 6, 7, 8, APP 4, RATE 1, 26-29 
Elevated Building................................. APP 1, 3, 4, 5, 6, 7, 
RATE 19-21, DEF 3 
Floodproofed Building ...... RATE 31-32, CERT 3-8, DEF 4 
Manufactured (Mobile) Home/Travel Trailer...........GR 3-4, 
APP 1, 4, 5, 8, RATE 15, 16, PR 1, DEF 3, 5, 9 
Section 1316...................................................GR 6, DEF 8 
Single Building................................................GR 5, DEF 8 
Start of Construction........................... RATE 15-16, DEF 9 
Substantial Improvement........ APP 5, RATE 15-16, DEF 9 
Types of Buildings ...................... APP 1, 3-7, CONDO 6, 8 
BUILDING DIAGRAMS 1-8.................. LFG 4-7, CERT 18-19 
BUILDING DRAWINGS ........................................... LFG 8-59 
BUILDING OCCUPANCY ............................................GR 5-6 
BUSINESS ANALYST, WYO........................................REF 2 


C 

CANCELLATION/NULLIFICATION .......... CONDO 8, PRP 6, 
MPPP 6, CN 1-11, DEF 2, 6 
Cancellation/Nullification Request Form .............CN 10-11 
Form Completion.....................................................CN 7-8 
Processing Outcomes Table ...................................... CN 9 
Valid Reason Codes for Cancellation/Nullification..CN 1-7 
Refunds...................................................................CN 1-8 
CERTIFICATIONS ................................................ CERT 1-37 

CISTERNS ..................................................... GR 4, 6, DEF 2 
CLAIMS ........................................................................ CL 1-5 
Appealing a Claim....................................................CL 1-3 
Filing a Claim .............................................................. CL 1 
Increased Cost of Compliance (ICC) Claims...........CL 4-5 
Insured's Responsibilities ........................................ CL 1-3 
Producer's Responsibilities......................................CL 3,4 
Single Adjuster Program ..............................CL 3-4, DEF 8 
Training ....................................................................... CL 4 
CLAIMS COORDINATING OFFICE (CCO).........CL 4, DEF 2 
CLOSED BASIN LAKE....................................... CN 6, DEF 2 
COASTAL BARRIER.....................................................DEF 2 
COASTAL BARRIER RESOURCES 
SYSTEM (CBRS) ................................... CBRS 1-12, DEF 2 
Coastal Barrier Improvement Act 
of 1990 (CBIA) ........................................CBRS 1, DEF 2 
Coastal Barrier Resources Act 
of 1982 (CBRA) .......................... GR 1, CBRS 1, DEF 2 
List of CBRS Communities................................CBRS 3-12 
COASTAL HIGH HAZARD AREA ...........RATE 30-31, DEF 2 
COINSURANCE ......................................... CONDO 7, DEF 2 
COMMERCIAL CONTENTS ........................GR 6, CONDO 2
COMMISSION, PRODUCERS ...GR 13-14, CONDO 8, CN 8 
COMMON INTERIOR WALLS ....................................... GR 5 
COMMUNITY (See also PROBATION and 
SUSPENSION)..................................GR 1, APP 2-3, DEF 2 
Community Eligibility.................................................. GR 1 
Community Number ..................................... APP 3, DEF 2 
Community Status.....................................................APP 3 
Non-Participating Community ........................ GR 1, APP 3 
Participating Community................................GR 1, DEF 7 
Regular Program Community ...................................DEF 8 
COMMUNITY RATING SYSTEM (CRS)......................APP 6, 
CRS 1-28, DEF 2 
CONDOMINIUM ASSOCIATION ............CONDO 1-2, DEF 2 
CONDOMINIUMS..................................CONDO 1-31, DEF 2 
CONSTRUCTION DATA........................................... APP 4-6 
CONTACT INFORMATION, NFIP............................. REF 3-6 
CONTENTS...................... GR 6, 7, 8, APP 4, RATE 1, 26-29 
CONTINUOUS LAKE FLOODING ..................................CN 6 
CONTRACT AGENT.....................................GR 14, DEF 2-3
COOPERATIVES ........................................................... GR 6 
COUNTYWIDE MAP ........................................MAP 1, DEF 3 
COURSE OF CONSTRUCTION .....GR 4, APP 5, CONDO 6, 
DEF 2 
COVERAGE ...........GR 10-11, RATE 1-10, CONDO 6-7, 8-9, 
PRP 1, 4-5, MPPP 3-4, END 1 
Additional Coverage or Increase in Coverage ......... END 1 
Amount of Insurance Available .............................. RATE 1 
Building Coverage............................ GR 3-6, 6-7, RATE 1, 
CONDO 8, PRP 1, 4-5 
Contents Coverage .................GR 6, 7, 8, APP 4, RATE 1, 
CONDO 9, PRP 1, 4-5 
Contents-Only Coverage ..................RATE 57, PRP 1, 4-5 
Limits of Coverage ....................................GR 10, RATE 1,
CONDO 7, 8-9, PRP 1, 4-5, MPPP 3-4 
Reduction or Reformation/Removal 
of Insurance .....................GR 11, END 1, MPPP 5, PR 1 
CRAWL SPACE ............................ RATE 25, LFG 2, CERT 2 
CREDIT CARD PAYMENT.......... APP 6, 7, REN 2, 8, MAP 4 
CREDIT CARD PAYMENT FORM...........................REN 2, 8 


D 

DATE OF CONSTRUCTION................APP 4-5, RATE 15-16 
DEF 3 
DECLARATIONS PAGE............................. MPPP 4-5, DEF 3 
DEDUCTIBLE BUYBACK.............................RATE 12, DEF 3
DEDUCTIBLE FACTORS.....................RATE 13, CONDO 22 


IND 1 October 1, 2008 


DEDUCTIBLES...................GR 10, APP 4, RATE 12, 13, 17, 
CONDO 8, 22, PRP 2, MPPP 5, END 2 
DEFINITIONS ..........................................................DEF 1-10 
DESCRIBED LOCATION.............................................. DEF 3 
DIAGRAM NUMBER..................................................... DEF 3 
DIRECT PHYSICAL LOSS BY OR FROM FLOOD ...... DEF 3 
DIRECT PROGRAM ....................................REF 2, 3, GR 12, 
APP 8, CONDO 7 
DISASTER ASSISTANCE ................. GR 3, APP 2, PRP 1, 7 
DOUBLEWIDE MANUFACTURED (MOBILE) 
HOME .............................................................APP 1, DEF 3 
DUPLICATE POLICIES .............................................. CN 2, 5 
DWELLING .................................................................. DEF 3 
DWELLING FORM (See also STANDARD FLOOD 
INSURANCE POLICY) ..... GR 1, 2, CONDO 8, POL 1, 2-21

 E 

EFFECTIVE DATE........................................ GR 8-10, REN 2 
ELEVATED BUILDING (See also LOWEST FLOOR GUIDE).... 
APP 1, 3, 4, 5, 6, 7, RATE 19-21, DEF 3 
ELEVATION CERTIFICATE ..................APP 5-6, LFG 2, 3-7, 
CERT 1-3, 11-37 
ELEVATION DIFFERENCE.......................... RATE 17-19, 30 
ELIGIBLE BUILDINGS.............................. GR 3-6, CONDO 6 
ELIGIBLE COMMUNITY (See PARTICIPATING 
COMMUNITY) 
ELIGIBLE CONTENTS ...................................................GR 6 
EMERGENCY PROGRAM .................. GR 1, RATE 1, DEF 3 
ENCLOSED AREA ........................................APP 3, LFG 1-2 
ENCLOSURE/ENCLOSED AREA (See also LOWEST 
FLOOR GUIDE) ............................... APP 1, 3, RATE 19-20, 
LFG 1-2, 3, 5, 7, DEF 3 
ENDORSEMENT ................................... GR 9-10, CONDO 8, 
PRP 2, MPPP 6, END 1-14, PR 1 
Endorsement Processing Prior to Policy Renewal ... END 2-3 
Endorsement Rules: Changing Deductibles.............END 2 
Endorsement Rules: Conversion of Standard Rated 
Policy to PRP Due to Misrating or Map Revision ...END 2 
Endorsement Rules: Correcting Property Address ..END 2 
Endorsement Rules: Coverage Endorsements ........END 1 
Endorsement Rules: Misrated Policy .......................END 2 
Endorsement Rules: Rating Endorsements ......... END 1-2 
Endorsements During Renewal Cycle......................REN 2 
General Change Endorsement Form ............... END 13-14 
Preparation of Form ............................................. END 3-4 
Rating Examples ................................................ END 5-12 
Refund Processing ............................................... END 3-4 
EQUIPMENT (See MACHINERY AND EQUIPMENT) 
EROSION ..................................................................... DEF 3 
ERRORS, RATING ................................................... END 1-2 
EVIDENCE OF INSURANCE .........................................GR 8 
EXPENSE CONSTANT ................................................ DEF 3 

F 

FEDERAL LAND.............................................................GR 1 
FEDERAL POLICY FEE .....RATE 12, 17, CONDO 8, PRP 2, 
MPPP 5, DEF 3 
FEMA............................................................REF 1, SRL 1-2, 
DEF 1, 2, 3, 4, 5, 6, 7, 9, 10 
FHBM (See FLOOD HAZARD BOUNDARY MAP) 
FICO (See FLOOD INSURANCE CLAIMS OFFICE) 
FINANCIAL ASSISTANCE/SUBSIDY 
ARRANGEMENT.....................................MPPP 2, 6, DEF 3 
FINISHED (HABITABLE) AREA ................................... DEF 3 
FINISHED BASEMENT ................................................ APP 1 
FIRM (See FLOOD INSURANCE RATE MAP) 
FIRM ZONES............................................................... MAP 2 
FLOOD.......................................................................... DEF 4 
FLOOD DISASTER PROTECTION 
ACT OF 1973.......................................................MPPP 1, 3 

FLOOD HAZARD BOUNDARY MAP (FHBM)............... GR 1, 
MAP 1, 2, 4-6, 8, DEF 4 
FLOOD INSURANCE CLAIMS OFFICE (FICO) ............ CL 3, 
DEF 4 
FLOOD INSURANCE RATE MAP (FIRM) .................... GR 1, 
CERT 2, MAP 1, 3, 4-6, 7, DEF 4 
FLOOD MAP GRANDFATHERING.................RATE 21-23, 
PRP 1, DEF 4 
FLOOD MAPS ................................................ GR 1, MAP 1-8 
Changing or Correcting a Flood Map.......................MAP 3 
Countywide Map..........................................MAP 1, DEF 3 
FEMA Map Assistance Center.................................MAP 3 
FEMA Map Service Center ......................REF 4, MAP 4, 5 
FIRMettes..............................................................MAP 4 
General Rule of Rating ........................................ RATE 22 
Letter of Map Amendment (LOMA) ................ CN 5-6, 6-7, 
MAP 3, DEF 5 
Letter of Map Revision (LOMR) ..................... CN 5-6, 6-7, 
MAP 3, DEF 5 
Locating a Specific Property .................................MAP 2-3 
Map "Grandfather" Rules ....... RATE 21-23, PRP 1, DEF 4 
Map Panel Number .................................................MAP 1 
Map Revision ..................... PRP 2, 6, END 2, CN 3-4, 6-7, 
MAP 3, 4, DEF 6 
Map Zones (Flood Zones) .......................................MAP 2 
Ordering Information and Prices.......................MAP 4, 5-6 
Physical Map Revision ...........................................MAP 3 
FLOOD RESPONSE OFFICE (FRO)............................DEF 4 
FLOOD VENTS (See PROPER OPENINGS) 
FLOODPLAIN................................................................DEF 4 
FLOODPLAIN MANAGEMENT.....................................DEF 4 
FLOODPROOFING APP 6, RATE 31-32, CERT 3-10, DEF 4 
FLOODPROOFING CERTIFICATE FOR 
NON-RESIDENTIAL STRUCTURES ..................CERT 9-10 
FLOODPROOFING CERTIFICATE, 
RESIDENTIAL BASEMENT ..................................CERT 7-8 
FORCED PLACEMENT (MANDATORY PURCHASE)........... 
GR 2, MPPP 2, CN 2, DEF 5 
FREEBOARD ................................................................DEF 4 

G 

GARAGES.......................................................... GR 3, LFG 1 
GENERAL CHANGE ENDORSEMENT 
(See ENDORSEMENT) 
GENERAL PROPERTY FORM (See also STANDARD 
FLOOD INSURANCE POLICY).........GR 1, 2, POL 1, 22-40 
GENERAL RULE OF RATING ................................. RATE 22 
GENERAL RULES .................................................... GR 1-14 
GRADE ELEVATION.....................................................DEF 4 
GRANDFATHERING (See FLOOD MAP 
GRANDFATHERING) 
GROUP FLOOD INSURANCE .......................... GR 3, DEF 4 

H 

HABITABLE AREA (See FINISHED AREA) 
HISTORIC BUILDING ...............................RATE 15, DEF 4-5 
HIGH-RISE BUILDING...............................CONDO 6, DEF 4 
HOMELAND SECURITY, U.S. DEPARTMENT OF....REF 1, DEF 3 

I 

ICC (See INCREASED COST OF COMPLIANCE) 
IMPROVEMENTS AND BETTERMENTS........GR 12, DEF 5 
INCIDENTAL OCCUPANCY ....................................... GR 5-6 
INCREASED COST OF COMPLIANCE (ICC) 
COVERAGE .............. GR 10-11, RATE 14, 17, CONDO 21, 
MPPP 1, CL 4-5, DEF 5 
INELIGIBLE COMMUNITY (See NON-PARTICIPATING 
COMMUNITY) 
INELIGIBLE PROPERTY ............................................ GR 6-8 
INFLATION FACTOR.......................................GR 10, REN 1 

IND 2 October 1, 2008 


INSECT SCREENING (BELOW LOWEST ELEVATED 
FLOOR) ......................................... RATE 7, 20, CONDO 19 
INSURANCE PRODUCTS, NFIP ................................GR 2-3 

L 

LAPSE IN COVERAGE ............................................ REN 1-2 
LATTICE (BELOW LOWEST ELEVATED FLOOR) ............... 
RATE 7, 20, 48, CONDO 19 
LETTER OF DETERMINATION REVIEW (LODR)................. 
CN 5, DEF 5 
LETTER OF MAP AMENDMENT 
(LOMA) ............PRP 6, END 2, CN 1, 5-6, 7, MAP 3, DEF 5 
LETTER OF MAP REVISION 
(LOMR) ............PRP 6, END 2, CN 1, 5-6, 7, MAP 3, DEF 5 
LOSS ASSESSMENT COVERAGE ..... GR 11-12, CONDO 7 
LOSS HISTORY ...............................................PRP 1, SRL 1 
LOSS IN PROGRESS .................................................. DEF 5 
LOWEST ADJACENT GRADE ..................................... DEF 5 
LOWEST FLOOR ......APP 6, RATE 17-21, LFG 1-59, DEF 5 
Building Diagrams 1-8 ..................... LFG 4-7, CERT 18-19 
Building Drawings ............................................... LFG 8-59 
Lowest Floor Determination .................................. LFG 1-7 
Lowest Floor Elevation ........... APP 6, RATE 17-21, DEF 5 
Use of Elevation Certificate ...................................... LFG 2 
LOWEST FLOOR GUIDE ........................................ LFG 1-59 
LOW-RISE BUILDING ...............................CONDO 6, DEF 5 

M 

MACHINERY AND EQUIPMENT ...................... RATE 19-20, 
LFG 1, 2, CERT 2 
MANDATORY PURCHASE (FORCED PLACEMENT) .......... 
GR 2, MPPP 2, CN 2, DEF 5 
MANUFACTURED (MOBILE) HOMES/ 
TRAVEL TRAILERS .................. GR 3-4, APP 1, 4, 8, PR 1, 
DEF 3, 5, 9 
Date of Construction................................ APP 5, RATE 15 
Doublewide...................................................APP 1, DEF 3 
MANUFACTURED (MOBILE) HOME PARK OR 
SUBDIVISION.........................................................DEF 5- 6 
MAP GRANDFATHERING (See FLOOD MAP 
GRANDFATHERING) 
MAPS (See FLOOD MAPS) 
MEAN SEA LEVEL (See NATIONAL GEODETIC 
VERTICAL DATUM [NGVD]) 
MISCELLANEOUS RULES .....................................GR 13-14 
Application Submission ............................................GR 13 
Assignment of Policy................................................GR 13 
Commission, Producers .....................................GR 13-14 
Contract Agent Rule.................................................GR 14 
Delivery of Policy......................................................GR 13 
Policy Term...............................................................GR 13 
MITIGATION, SEVERE REPETITIVE LOSS.............SRL 1-2 
MODULAR BUILDING .................................................. DEF 6 
MORTGAGE PORTFOLIO PROTECTION 
PROGRAM (MPPP).......................GR 2, MPPP 1-6, DEF 6 
MORTGAGEE... APP 2, RATE 17, PRP 7, MPPP 1-6, REN 1 
MUDFLOW ................................................................... DEF 6 
MULTI-FAMILY RESIDENCE (DWELLING) (See 
2-4 FAMILY RESIDENCE [DWELLING]) 
MULTI-PROPERTY LETTER OF MAP AMENDMENT 
(LOMA) OR LETTER OF MAP REVISION (LOMR) ..... CN 6 

N 

NATIONAL FLOOD INSURANCE ACT OF 1968 (See ACT) 
NATIONAL FLOOD INSURANCE PROGRAM (NFIP) ........... 
REF 1, DEF 6 
NATIONAL GEODETIC VERTICAL DATUM (NGVD) .. DEF 6 
NATURAL GRADE ....................................................... DEF 6 
NEW CONSTRUCTION................................................ DEF 6 

NFIP BUREAU AND STATISTICAL AGENT........ REF 2, 5-6, 
SRL 1, DEF 6 
NFIP CONTACT INFORMATION.............................. REF 3-6 
NFIP SERVICING AGENT ............... REF 2, 3, SRL 1, DEF 6 
NFIP SPECIAL DIRECT FACILITY (SDF) ...................REF 2, 
SRL 1-2, DEF 6 
NON-PARTICIPATING COMMUNITY ........................... GR 1 
NON-PAYMENT .......................................................... CN 2-3 
NON-RESIDENTIAL..................GR 6, 7-8, CONDO 2, DEF 6 
NOTICE OF LOSS .......................................................... CL 1 
NULLIFICATION (See CANCELLATION/NULLIFICATION) 

O 

OCCUPANCY CLASSIFICATION...................GR 5-6, APP 3 
OTHER INSURANCE...................................... MPPP 6, CN 2 
OTHER RESIDENTIAL ...................................... GR 6, DEF 6 
OTHERWISE PROTECTED AREAS ......................CBRS 1-2 
OUT-AS-SHOWN DETERMINATION CN 3, MAP 3, DEF 6-7 
OVER WATER ........................................................... GR 4, 7 


P 

PAPERWORK BURDEN DISCLOSURE 
NOTICE ........................................................ REF 7, APP 11 
PARTICIPATING COMMUNITY......................... GR 1, DEF 7 
PHOTOGRAPH REQUIREMENTS (FOR ELEVATION 
CERTIFICATE)......................................................CERT 1-2 
PHYSICAL MAP REVISION (PMR) .............................MAP 3 
POLICIES AVAILABLE................................................ GR 1-2 
POLICY .........................................................................DEF 7 
POLICY RENEWALS........GR 10, PRP 2, MPPP 5, REN 1-8 
Credit Card Payment Form .................................. REN 1, 8 
Endorsements During Renewal Cycle ..................... REN 2 
Expiration Notice to Mortgagee................................ REN 1 
Final Notice...................................................REN 2, 3, 6-7 
Insufficient Renewal Information..............................REN 2 
Renewal Effective Date Determination .................... REN 2 
Renewal Notice.........................................REN 1, 2, 3, 4-8
Severe Repetitive Loss Policies..............REN 2, SRL 1-13
Waiting Period...................................................... REN 1, 2 
POLICY TERM .................. GR 13, APP 1-2, PRP 6, MPPP 3
POLLUTANTS...............................................................DEF 7 
PONDING HAZARD......................................................DEF 7 
POST-FIRM BUILDING (CONSTRUCTION) .......... RATE 16, 
DEF 7 
PRE-FIRM BUILDING (CONSTRUCTION)........RATE 15-16, 
DEF 7 
PREFERRED RISK POLICY (PRP).............................. GR 2, 
PRP 1-10, DEF 7 
Completing PRP Application Form ....................... PRP 6-8 
Condominium Rating Chart...................................... PRP 3 
Conversion of PRP to Standard Rated Policy.......... PRP 6 
Conversion of Standard Rated Policy to PRP Due to 
Map Revision, LOMA, or LOMR ............................ PRP 6 
Conversion of Standard Rated Policy to PRP Due to 
Misrating ................................................................ PRP 6 
Coverage Limits ....................................................... PRP 2 
Coverage/Premium Tables ................................... PRP 4-5 
Deductibles .............................................................. PRP 2 
Discounts/Fees/ICC Premium.................................. PRP 2 
Documentation......................................................... PRP 2 
Eligibility Requirements........................................ PRP 1, 3 
Endorsements.......................................................... PRP 2 
General Description ................................................. PRP 1 
Ineligibility ................................................................ PRP 2 
PRP Application Form......................................... PRP 9-10 
Renewal ................................................................... PRP 2 
Replacement Cost Coverage................................... PRP 2 
PREMIUM............................................................RATE 16-17
Credit Card Payment ...........................APP 6, 7, REN 2, 8 
Credit Card Payment Form .................................. REN 2, 8 
Premium Calculation.......................................RATE 16-17


IND 3 October 1, 2008 


Premium Discounts ..................................... APP 6, CRS 1 
Premium Payment.........................APP 6, 7, RATE 16-17, 
CONDO 9, PRP 8, MPPP 4, REN 1-2 
Prepaid Amount (Total) ............................................ DEF 7 
Prepaid Premium (Total) .......................................... DEF 7 
Presentment of Payment (Premium) ........................ DEF 7 
Refunds............................................END 1-2, 3-4, CN 1-6 
PREPAID AMOUNT (TOTAL) ...................................... DEF 7 
PREPAID PREMIUM (TOTAL) .................................... DEF 7 
PRESENTMENT OF PAYMENT (PREMIUM) ............. DEF 7 
PRINCIPAL RESIDENCE ............................................. DEF 7 
PRINCIPALLY ABOVE GROUND BUILDING .............. DEF 7 
PROBATION.......................................................GR 1, DEF 7 
PROBATION SURCHARGE..............GR 1, RATE 12, DEF 7 
PROOF OF INSURANCE...............................................GR 8 
PROOF OF LOSS........................................................CL 1, 2 
PROPER OPENINGS (FLOOD VENTS) ..... LFG 1, 2, 3, 5, 7, 
DEF 7 
PROPERTY LOCATION...................APP 2-3, PRP 7, END 3 
PROPERTY REMOVED TO SAFETY EXPENSE ........ DEF 7 
PROVISIONAL RATING ..................... GR 13, PR 1-5, DEF 7 
Completing the Provisional Rating Questionnaire: 
General Directions.................................................... PR 2 
Completing the Provisional Rating Questionnaire: 
Guidance for Determining Building Elevated on Fill .... PR 2 
Eligibility Requirements .............................................. PR 1 
General Description.................................................... PR 1 
Notification Requirements .......................................... PR 1 
Provisional Rating Example ....................................... PR 4 
Provisional Rating Questionnaire ............................... PR 3 
Reformation: Endorsement Procedure.......................PR 1 
Reformation: Endorsement Alternative ...................... PR 1 
Reformation: Limitations............................................. PR 1 
Sample Notice to Accompany 
Provisionally Rated Policies ..................................... PR 5 


R 

RATE TABLES......................RATE 1-14, 33, CONDO 10-22, 
PRP 4-5, MPPP 1, PR 3, CRS 1 
RATING ........................... GR 11, RATE 1-63, CONDO 1-31,
CERT 4, END 1-2 
Alternative Rates ..................................... RATE 21, END 2
Amount of Insurance Available...............................RATE 1 
AR, AR Dual Zones ..............................................RATE 19 
Buildings in More Than One Flood Zone ..GR 13, RATE 17 
Condominiums...............................................CONDO 1-31 
Contents Location .......................................... RATE 26-29
Crawl Space .........................................................RATE 25 
Deductibles.................................. RATE 12, 13, CONDO 7 
Different Base Flood Elevations Reported ....GR 13, RATE 17
Effect of Map Revisions on Rates .................. RATE 21-23
Elevation Difference ....................................... RATE 17-19
FIRMs with Wave Heights .............................. RATE 30-31
Flood Map Grandfathering...RATE 21-23, PRP 1, DEF 4 
Flood Zone Discrepancies....................... GR 13, RATE 17
Floodproofed Buildings................................... RATE 31-32
General Rule of Rating.........................................RATE 22 
Key Points for Rating............................................RATE 17 
Multiple Elevation Certificates ............................... CERT 1 
Optional Elevation Rating ........................RATE 19, LFG 2
Premium Calculation ...................................... RATE 16-17
Provisional Rates ........................... GR 13, PR 1-5, DEF 7 
Rate Reduction.........................................................END 1 
Rate Tables ...... RATE 1-14, 33, CONDO 10-22, PRP 4-5, 
MPPP 1, PR 3, CRS 1 
Rating Error .......................................................... END 1-2 
Rating Examples ............... RATE 17-19, 22-23, 30, 49-63, 
CONDO 23-31, END 5-12, PR 4
Rating Steps................................................... RATE 15-16 
Re-Rating ....................................................... RATE 23-24
Special Rating Situations ....................................GR 12-13 
Submit-for-Rate......................GR 13, RATE 24-25, DEF 9 


Tentative Rates.........GR 12, RATE 21, CONDO 8, DEF 9 
V-Zone Optional Rating ....................................... RATE 23 
V-Zone Risk Factor Rating Form....................RATE 35-48 
RCBAP (See RESIDENTIAL CONDOMINIUM BUILDING 
ASSOCIATION POLICY) 
RECREATIONAL VEHICLE ..........................................DEF 1 
REFORMATION..................................GR 11, MPPP 5, PR 1 
REFUNDS ............................................ END 1-2, 3-4, CN 1-7 
REGIONAL OFFICES, NFIP ..................................... REF 5-6 
REGULAR PROGRAM.........................GR 1, RATE 1, DEF 8 
RENEWALS (See POLICY RENEWALS) 
REPETITIVE LOSS... GR 5, 11, REN 2, CN 6, SRL 1-13, DEF 8 
REPLACEMENT COST....................APP 4, RATE 20-21, 31, 
CONDO 7, 8, PRP 2, DEF 8 
RESIDENTIAL ........................................GR 5-6, CONDO 1-2 
RESIDENTIAL BASEMENT FLOODPROOFING 
CERTIFICATE.......................................................CERT 7-8 
RESIDENTIAL CONDOMINIUM BUILDING ...... CONDO 1-2, 
DEF 8 
RESIDENTIAL CONDOMINIUM BUILDING ASSOCIATION 
POLICY (RCBAP) (See also STANDARD FLOOD 
INSURANCE POLICY) ........GR 1, 2, APP 4, CONDO 1-31, 
POL 1, 42-61 
Application Form ............................................. CONDO 8-9 
Assessment Coverage....................................... CONDO 7 
Building Type ................................................. CONDO 6, 8 
Cancellation or Endorsement of Existing 
Unit Owners Dwelling Policies ........................ CONDO 8 
Coinsurance....................................................... CONDO 7 
Commission, Producers .................................... CONDO 8 
Condominium Building in the Course 
of Construction................................................. CONDO 6 
Coverage, Building.......................................... CONDO 8-9 
Coverage, Contents........................................CONDO 8-9 
Coverage Limits .......................................... CONDO 7, 8-9 
Deductibles .................................................. CONDO 8, 22 
Determining Rates and Fees ............................. CONDO 9 
Eligibility Requirements...................................... CONDO 6 
Federal Policy Fee ............................................. CONDO 8 
Property Covered............................................... CONDO 6 
Rate Tables................................................. CONDO 10-22 
Rating Examples.........................................CONDO 23-31 
Replacement Cost ......................................... CONDO 7, 8 
Tentative Rates and Scheduled Buildings ......... CONDO 8 
ROWHOUSES/TOWNHOUSES ................CONDO 6, PRP 8 

S 

SCHEDULED BUILDING POLICY .................... GR 2, APP 1, 
CONDO 8, DEF 8 
SCREENING, INSECT (BELOW LOWEST ELEVATED 
FLOOR) ..........................................RATE 7, 20, CONDO 19 
SECTION 1316................................................... GR 6, DEF 8 
SEPARATE BUILDING (See SINGLE BUILDING) 
SEVERE REPETITIVE LOSS PROPERTIES ............... GR 5, 
REN 2, CN 6, SRL 1-13, DEF 8 
SFIP (See STANDARD FLOOD INSURANCE POLICY) 
SHEAR WALLS..................................................GR 5, DEF 8 
SHEET FLOW HAZARD ...............................................DEF 8 
SILOS ......................................................................... GR 4, 6 
SINGLE ADJUSTER PROGRAM.....................CL 3-4, DEF 8 
SINGLE BUILDING ............................................ GR 5, DEF 8 
SINGLE-FAMILY RESIDENCE (DWELLING)............... GR 5, 
DEF 8 
SLATS OR SHUTTERS (BELOW LOWEST ELEVATED 
FLOOR)..........................................RATE 7, 20, CONDO 19 
SOLID PERIMETER FOUNDATION WALLS................ GR 5, 
RATE 20, DEF 8 
SPECIAL CERTIFICATIONS ................................CERT 1-37 
SPECIAL DIRECT FACILITY (See NFIP SPECIAL 
DIRECT FACILITY) 
SPECIAL FLOOD HAZARD AREA (SFHA) .....MAP 2, DEF 8 

IND 4 October 1, 2008 


SPECIAL RATING SITUATIONS.......GR 12-13, RATE 21-25 
Alternative Rates ..................................................RATE 21 
Buildings in More Than One 
Flood Zone ............................................ GR 13, RATE 17
Crawl Space .........................................................RATE 25 
Different Base Flood Elevations Reported ....GR 13, RATE 17
Flood Zone Discrepancies .............................GR 13, RATE 17
Map Grandfather Rules: Effect of Map Revisions 
on Rates ....................................................... RATE 21-23
Policies Requiring Re-Rating ......................... RATE 23-24
Post-81 V Zone Optional Rating..........................RATE 23 
Provisional Rates .........................................GR 13, DEF 7 
Submit-for-Rate......................GR 13, RATE 24-25, DEF 9 
Tentative Rates .........GR 12, RATE 21, CONDO 8, DEF 9 
STANDARD FLOOD INSURANCE POLICY (SFIP)..GR 1, 2, 
POL 1-61, DEF 8-9 
Agreement....................................................POL 3, 23, 43 
Claim Guidelines in Case of a Flood .......... POL 21, 40, 61 
Coinsurance ........................................................... POL 52 
Deductibles............................................POL 12, 32, 51-52
Definitions....................................... POL 3-5, 23-25, 43-45 
Dwelling Form..........................................POL 2-21, DEF 8
Exclusions .................................. POL 11-12, 31-32, 50-51 
General Conditions..................... POL 12-20, 32-38, 53-59 
General Property Form..........................POL 22-40, DEF 8 
Liberalization Clause .................................. POL 20, 39, 60 
Property Covered ......................... POL 5-10, 25-30, 45-50 
Property Not Covered.......................POL 10-11, 30-31, 50 
Residential Condominium Building Association 
Policy............................................... POL 42-61, DEF 8-9 
Summary of Significant Changes, December 2000 ...........
POL 2, 22, 42 
What Law Governs.....................................POL 20, 39, 60 
START OF CONSTRUCTION ...................................... DEF 9 
STOCK.......................................................................... DEF 9 
SUBMIT-FOR-RATE...................GR 13, RATE 23-24, DEF 9 
SUBSTANTIAL DAMAGE.....GR 11, RATE 16, 23-24, DEF 9 
SUBSTANTIAL IMPROVEMENT................................. APP 5, 
RATE 15-16, 23, DEF 9 
SUSPENSION ....................................................GR 1, DEF 9 


T 

TECHNICAL ASSISTANCE..........................................REF 2 
TELEPHONE NUMBERS..........................................REF 3-6 


TENTATIVE RATES...... GR 12, RATE 21, CONDO 8, DEF 9 
TIMESHARES ................................................................ GR 6 
TOWNHOUSES/ROWHOUSES ................CONDO 6, PRP 8 
TRANSFER OF TITLE ................................................. GR 12 
TRAVEL TRAILERS (See MANUFACTURED [MOBILE] 

 HOMES/TRAVEL TRAILERS) 
2-4 FAMILY RESIDENCE (DWELLING).........GR 5-6, DEF 9 

U 

UNDERGROUND BUILDING........................................DEF 9 
UNFINISHED AREA......................................................DEF 9 
UNFINISHED BASEMENT............................................APP 1 
UNIT ..............................................................................DEF 9 


V 

VALUED POLICY..........................................................DEF 9 
VARIANCE ....................................................................DEF 9 
VEHICLES AND EQUIPMENT....................................... GR 6 
V-ZONE OPTIONAL RATING .................................. RATE 23 
V-ZONE RISK FACTOR RATING FORM............RATE 35-48


 W 

WAITING PERIOD ................... GR 8-10, MPPP 4, REN 1, 2, 
PR 1, DEF 10 
WALLED AND ROOFED.................................. GR 3, DEF 10 
WALLS .............................. GR 5, RATE 20, LFG 2, 3, DEF 8 
Breakaway Walls .......... GR 5, RATE 20, LFG 2, 3, DEF 1 
Common Interior Walls .............................................. GR 5 
Shear Walls.................................................... GR 5, DEF 8 
Solid Perimeter Foundation Walls.............GR 5, RATE 20, 
LFG 7, DEF 8 
WAVE HEIGHT .........................APP 6, RATE 30-31, DEF 10 
Calculating Wave Height Adjustment.....RATE 30, DEF 10 
WHOLE DOLLAR PREMIUM...................................RATE 17 
WIND LOSSES................................................................ CL 4 
WRITE YOUR OWN (WYO) PROGRAM .... REF 1-2, DEF 10

 Z 

ZONE (See also Map Zones under FLOOD MAPS) ...MAP 2, 
DEF 10 
Discrepancies ..........................................GR 13, RATE 17 

IND 5 October 1, 2008 


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